Every year, we citizens of the United States have to "pay our dues" so to speak, in the form of filing our income tax documentation with the federal, state, and in some cases, municipal government.
For many years, people and businesses have filed their taxes with the government using the post office. Taxpayers could (and still can) obtain the required forms for their claim at their local post office, then take them home where they can be prepared by themselves or by a professional tax specialist with services such as H&R Block or Jackson Hewitt.
Many people who do their own taxes get many of the benefits of a professional tax preparer by using tax software to prepare their tax documents and transmit them to the government using the internet.
Using tax preparation software is an excellent, efficient way to do your taxes and can help you get your taxes filed as quickly as possible. All of the forms that you could possibly need to file your taxes is included in the major tax preparation software packages.
You can opt to digitally complete and transmit your forms via the software interface using fully digital documents (you will still need to file the hard copies with your W2 forms as well, but your claim is considered received when the digital files are transmitted and accepted) or you can complete the forms using the software and it's helpful wizards, and then print the forms using the tax software in order to fulfill your tax requirements the old fashioned way (with a little help from digital era technology.)
Whatever way you choose to use it, tax preparation software can be a very convenient way for you to take control of another aspect of your financial destiny without having to learn complicated accounting procedures.
There are several reputable software packages out there such as Quicken, TurboTax and Microsoft Money that can help you get started in the world of digital tax filing.
By : James Hunt
James Hunt has spent 15 years as a professional writer and researcher covering stories that cover a whole spectrum of interest. Read more at www.tax-software-guide.com
Thursday, July 30, 2009
Friday, July 24, 2009
Plastic Power to Pay Taxes
Tax time is not necessarily everybody's favorite time. However, taxes have to be paid whether we like it or not. Taxes are our obligation to the country and one should not attempt to evade this expense. Small businesses are especially affected by the high taxes they have to pay. First of all, they may not have hands-on accounting staff on their rolls. Second, they may not be in the position to provide adequate cash to meet the high tax amounts. Being a small business in the modern world may add to the many insecurities. However, it need not always be that way.
These days, large numbers of smaller businesses are choosing to pay their taxes through their business credit cards. If you thought that credit cards were only good for clothes and groceries and buying products online, things have changed a great deal. Credit cards are slowly taking over as the favored mode of payment for everything -- from mortgage and house rent to electricity, necessities, and taxes. Small businesses are especially pleased with this development. Even if they do not have enough cash on hand to fill in their taxes, they can depend on their credit cards to settle that large-ish expense. Later when the money is recovered from their various debtors, the credit card bill can be paid off.
One of the scariest things about defaulting on your taxes is that you might end up having to pay quite a large fine. However, paying by card deals with this problem effectively. The business still has to pay the credit card company, but at least it will not get the tag of a tax defaulter. It is true that the tax authorities charge a relatively low interest on defaulting payments. However, expenses will keep adding up. If you want to avoid paying exorbitant amounts of interest on your credit card bills, it would be worth the effort to find some really cheap credit cards. In fact, while looking out for cards, I have on occasion found credit cards that charge no interest for up to fifteen months. If that is not a steal, what is?
The power of plastic has been on the rise of late. Of late, even governments have realized the power of a plastic card. Credit cards are clearly on their way to becoming the currency of the future. We must all get set for this. Maybe it is time for us to recognize the power of a credit card, and get used to making use of this currency of the future.
About the Author
Be smart and compare credit cards before getting yourself another one. Visit the credit card site at http://www.cardguide.co.uk and find out about the best deals on 0% balance transfers.
These days, large numbers of smaller businesses are choosing to pay their taxes through their business credit cards. If you thought that credit cards were only good for clothes and groceries and buying products online, things have changed a great deal. Credit cards are slowly taking over as the favored mode of payment for everything -- from mortgage and house rent to electricity, necessities, and taxes. Small businesses are especially pleased with this development. Even if they do not have enough cash on hand to fill in their taxes, they can depend on their credit cards to settle that large-ish expense. Later when the money is recovered from their various debtors, the credit card bill can be paid off.
One of the scariest things about defaulting on your taxes is that you might end up having to pay quite a large fine. However, paying by card deals with this problem effectively. The business still has to pay the credit card company, but at least it will not get the tag of a tax defaulter. It is true that the tax authorities charge a relatively low interest on defaulting payments. However, expenses will keep adding up. If you want to avoid paying exorbitant amounts of interest on your credit card bills, it would be worth the effort to find some really cheap credit cards. In fact, while looking out for cards, I have on occasion found credit cards that charge no interest for up to fifteen months. If that is not a steal, what is?
The power of plastic has been on the rise of late. Of late, even governments have realized the power of a plastic card. Credit cards are clearly on their way to becoming the currency of the future. We must all get set for this. Maybe it is time for us to recognize the power of a credit card, and get used to making use of this currency of the future.
About the Author
Be smart and compare credit cards before getting yourself another one. Visit the credit card site at http://www.cardguide.co.uk and find out about the best deals on 0% balance transfers.
Monday, July 20, 2009
Get Tax Help To Avoid Getting Caught In A Financial Mess!
Nowadays we have to pay taxes on most things. We pay tax on the money we earn at work and this is called income tax. Income tax is applicable to business income, capitol gains, wages and salaries. There are two specific rates of income taxes and these are known as flat or progressive tax rates.
Flat tax rates are defined as the same flat rate of taxes on all income regardless of earnings. Progressive tax rates on the other hand are based on the amount of money earned by an individual or business. The progressive rate goes up as the level of earnings rise.
We all have to pay sales taxes. This is the way that businesses charge consumers for a product or service sold. Because of the many forms that taxes take it is advisable to get some tax help if you want to know exactly where you stand.
Some other forms of taxes include personal property tax, inheritance tax, transfer tax, property tax, use tax, toll tax, excise tax, corporation tax, and others. These could all become confusing when it comes to determining which applies to you, therefore, you need tax help.
Where To Get Tax Advice
When income tax time comes around each year, businesses and individuals seek tax help. Many people simply do not understand all aspects of filing their tax and so it makes sense to seek help from tax professionals in this matter. Income tax professionals can help you when it comes to preparing and filing your tax forms.
Accountants and lawyers are both able to advice on income tax matters. Your particular tax problems will determine which one you would be the most suited to your needs. The IRS and other financial websites can also be excellent resources for tax help if you need it.
Resources On The Net
The internet is a good place to start when you are looking for tax help. The first place you should visit for tax information is irs.gov. This is the website of the Internal Revenue Service, where most of your tax dollars are dealt with. The IRS website can provide you with plenty of information when it comes to different areas of tax, as well as information on which areas may apply to you. It will also tell you where you can find help for specific problems.
Try H R Block at hrblock.com. They can help you with filing your income taxes, and if you require it, they can provide you with software to help you prepare your taxes yourself. They also offer advice on other financial matter.
Summary:
It has been said that there are two certainties in life, death and taxes. While you can do nothing about the first there is all kinds of help available when it comes to paying taxes. Getting the right kind of advice is crucial if you are to save at least some of your dollars.
By : Brooke Hayles
Check Out More Helpful Information About Tax Help For FREE! Visit http://helptaxonline.com/ Now!
Flat tax rates are defined as the same flat rate of taxes on all income regardless of earnings. Progressive tax rates on the other hand are based on the amount of money earned by an individual or business. The progressive rate goes up as the level of earnings rise.
We all have to pay sales taxes. This is the way that businesses charge consumers for a product or service sold. Because of the many forms that taxes take it is advisable to get some tax help if you want to know exactly where you stand.
Some other forms of taxes include personal property tax, inheritance tax, transfer tax, property tax, use tax, toll tax, excise tax, corporation tax, and others. These could all become confusing when it comes to determining which applies to you, therefore, you need tax help.
Where To Get Tax Advice
When income tax time comes around each year, businesses and individuals seek tax help. Many people simply do not understand all aspects of filing their tax and so it makes sense to seek help from tax professionals in this matter. Income tax professionals can help you when it comes to preparing and filing your tax forms.
Accountants and lawyers are both able to advice on income tax matters. Your particular tax problems will determine which one you would be the most suited to your needs. The IRS and other financial websites can also be excellent resources for tax help if you need it.
Resources On The Net
The internet is a good place to start when you are looking for tax help. The first place you should visit for tax information is irs.gov. This is the website of the Internal Revenue Service, where most of your tax dollars are dealt with. The IRS website can provide you with plenty of information when it comes to different areas of tax, as well as information on which areas may apply to you. It will also tell you where you can find help for specific problems.
Try H R Block at hrblock.com. They can help you with filing your income taxes, and if you require it, they can provide you with software to help you prepare your taxes yourself. They also offer advice on other financial matter.
Summary:
It has been said that there are two certainties in life, death and taxes. While you can do nothing about the first there is all kinds of help available when it comes to paying taxes. Getting the right kind of advice is crucial if you are to save at least some of your dollars.
By : Brooke Hayles
Check Out More Helpful Information About Tax Help For FREE! Visit http://helptaxonline.com/ Now!
Friday, July 17, 2009
The Tax Connection: Small Businesses and Tax Time
I'm sure you've heard the daunting statistics that only 1 out of every 5 businesses makes it to their 5th year. But do you know why this is true?
While I can only speculate, I have heard one of the biggest reasons for business bankruptcy is taxes.
The problem is a cyclic one. The owner starts making money hand over fist, and of course, spends it just as quickly. Money comes in and goes right back out. Sure, putting money back into your business is necessary, but you must manage your spending wisely.
Remember, the U.S. government takes about one-quarter to one-third of our income. Plant that firmly in your mind! As a self-employed individual living in the U.S., it will probably be closer to one-third. So it might be best to just set aside one-third of your income for the tax man. If it turns out it's a little less, then you'll have some extra cash.
In other countries, this number may actually go up to as much as one-half to two-thirds of your total income. Isn't that why we all love socialist economies?
All joking aside, the point is, if you spend everything you have, you will not be able to pay your taxes come tax time. Obviously, you don't want to get yourself in the position where you owe $10,000 or more (especially if you already spent your profits) all at once.
The best way to avoid this frightening situation is to spread your tax payments out. Monthly is best, but quarterly is a great start. A good accountant will be able to help you estimate what to pay based on what you're earning. That way, your taxes are spread out evenly throughout the year.
So remember to factor your taxes into your overall financial situation before it's too late!
By : lginger
Would you like to learn how to start increasing your profits by creating a unique image for your small business or professional service? Discover how by visiting http://www.positioningtactics.com/usp.html and sign up for our free ecourse (Value $37)
While I can only speculate, I have heard one of the biggest reasons for business bankruptcy is taxes.
The problem is a cyclic one. The owner starts making money hand over fist, and of course, spends it just as quickly. Money comes in and goes right back out. Sure, putting money back into your business is necessary, but you must manage your spending wisely.
Remember, the U.S. government takes about one-quarter to one-third of our income. Plant that firmly in your mind! As a self-employed individual living in the U.S., it will probably be closer to one-third. So it might be best to just set aside one-third of your income for the tax man. If it turns out it's a little less, then you'll have some extra cash.
In other countries, this number may actually go up to as much as one-half to two-thirds of your total income. Isn't that why we all love socialist economies?
All joking aside, the point is, if you spend everything you have, you will not be able to pay your taxes come tax time. Obviously, you don't want to get yourself in the position where you owe $10,000 or more (especially if you already spent your profits) all at once.
The best way to avoid this frightening situation is to spread your tax payments out. Monthly is best, but quarterly is a great start. A good accountant will be able to help you estimate what to pay based on what you're earning. That way, your taxes are spread out evenly throughout the year.
So remember to factor your taxes into your overall financial situation before it's too late!
By : lginger
Would you like to learn how to start increasing your profits by creating a unique image for your small business or professional service? Discover how by visiting http://www.positioningtactics.com/usp.html and sign up for our free ecourse (Value $37)
The Tax Connection: Small Businesses and Tax Time
I'm sure you've heard the daunting statistics that only 1 out of every 5 businesses makes it to their 5th year. But do you know why this is true?
While I can only speculate, I have heard one of the biggest reasons for business bankruptcy is taxes.
The problem is a cyclic one. The owner starts making money hand over fist, and of course, spends it just as quickly. Money comes in and goes right back out. Sure, putting money back into your business is necessary, but you must manage your spending wisely.
Remember, the U.S. government takes about one-quarter to one-third of our income. Plant that firmly in your mind! As a self-employed individual living in the U.S., it will probably be closer to one-third. So it might be best to just set aside one-third of your income for the tax man. If it turns out it's a little less, then you'll have some extra cash.
In other countries, this number may actually go up to as much as one-half to two-thirds of your total income. Isn't that why we all love socialist economies?
All joking aside, the point is, if you spend everything you have, you will not be able to pay your taxes come tax time. Obviously, you don't want to get yourself in the position where you owe $10,000 or more (especially if you already spent your profits) all at once.
The best way to avoid this frightening situation is to spread your tax payments out. Monthly is best, but quarterly is a great start. A good accountant will be able to help you estimate what to pay based on what you're earning. That way, your taxes are spread out evenly throughout the year.
So remember to factor your taxes into your overall financial situation before it's too late!
By : lginger
Would you like to learn how to start increasing your profits by creating a unique image for your small business or professional service? Discover how by visiting http://www.positioningtactics.com/usp.html and sign up for our free ecourse (Value $37)
While I can only speculate, I have heard one of the biggest reasons for business bankruptcy is taxes.
The problem is a cyclic one. The owner starts making money hand over fist, and of course, spends it just as quickly. Money comes in and goes right back out. Sure, putting money back into your business is necessary, but you must manage your spending wisely.
Remember, the U.S. government takes about one-quarter to one-third of our income. Plant that firmly in your mind! As a self-employed individual living in the U.S., it will probably be closer to one-third. So it might be best to just set aside one-third of your income for the tax man. If it turns out it's a little less, then you'll have some extra cash.
In other countries, this number may actually go up to as much as one-half to two-thirds of your total income. Isn't that why we all love socialist economies?
All joking aside, the point is, if you spend everything you have, you will not be able to pay your taxes come tax time. Obviously, you don't want to get yourself in the position where you owe $10,000 or more (especially if you already spent your profits) all at once.
The best way to avoid this frightening situation is to spread your tax payments out. Monthly is best, but quarterly is a great start. A good accountant will be able to help you estimate what to pay based on what you're earning. That way, your taxes are spread out evenly throughout the year.
So remember to factor your taxes into your overall financial situation before it's too late!
By : lginger
Would you like to learn how to start increasing your profits by creating a unique image for your small business or professional service? Discover how by visiting http://www.positioningtactics.com/usp.html and sign up for our free ecourse (Value $37)
Thursday, July 16, 2009
How To Reduce My Taxes Being Self Employed
Being self employed creates some special tax challenges. And, often business owners wonder how to reduce my taxes being self employed. They may not be obvious, but there are some ways to reduce your taxes. But, when you’re self employed, it will take some diligence to keep track of the deductions you can take.
If you’re wondering how to reduce my taxes being self employed, one of the first items you should look at is your retirement savings. Saving for retirement helps you reduce your adjusted gross income, which is the amount you pay taxes on.
Everyone who is self employed should be contributing to an IRA of some sort. If you’re single, and have no access to a company sponsored 401k, your contributions to an IRA are tax deductible up to $4000, or $5000 if you’ll be 50 years old by year end.
If you’re married and your spouse is involved in a company sponsored 401k, then you can contribute up to $4000 or $5000 if you’ll be age 50 by year end, provided that your joint adjusted gross income is less than $156,000. Reducing your adjusted gross income is a great way to save on taxes each year. In addition, you’re saving for retirement, which is important for all of us. And, in an IRA account, you won’t pay taxes on the interest you accumulate until you begin to make withdrawals from your account during retirement.
If you’re still wondering how to reduce my taxes being self employed, take a look at your deductions. The self employed are afforded many deductions for business expenses, and there are some that you may not have thought of. The IRS says that you can deduct any reasonable business expense. For example, if you use a cell phone to do business, you can deduct not only the cost of the phone itself, but also some or all of your monthly bill. If you’re required to wear uniforms that you must pay for yourself, these can be deducted.
There are still other deductions for those wondering how to reduce my taxes being self employed. For example, if you entertain clients as part of doing business, you can deduct 50 deductible.
Hopefully these tips have helped you learn how to reduce my taxes being self employed. For more tips on reducing your taxes, talk to your tax advisor.
About the Author
More articles in tax savings and reductions at www.TaxOnlineGuide.com Find out how self-employed and small business owner can saves thousands of dollars on Taxes
If you’re wondering how to reduce my taxes being self employed, one of the first items you should look at is your retirement savings. Saving for retirement helps you reduce your adjusted gross income, which is the amount you pay taxes on.
Everyone who is self employed should be contributing to an IRA of some sort. If you’re single, and have no access to a company sponsored 401k, your contributions to an IRA are tax deductible up to $4000, or $5000 if you’ll be 50 years old by year end.
If you’re married and your spouse is involved in a company sponsored 401k, then you can contribute up to $4000 or $5000 if you’ll be age 50 by year end, provided that your joint adjusted gross income is less than $156,000. Reducing your adjusted gross income is a great way to save on taxes each year. In addition, you’re saving for retirement, which is important for all of us. And, in an IRA account, you won’t pay taxes on the interest you accumulate until you begin to make withdrawals from your account during retirement.
If you’re still wondering how to reduce my taxes being self employed, take a look at your deductions. The self employed are afforded many deductions for business expenses, and there are some that you may not have thought of. The IRS says that you can deduct any reasonable business expense. For example, if you use a cell phone to do business, you can deduct not only the cost of the phone itself, but also some or all of your monthly bill. If you’re required to wear uniforms that you must pay for yourself, these can be deducted.
There are still other deductions for those wondering how to reduce my taxes being self employed. For example, if you entertain clients as part of doing business, you can deduct 50 deductible.
Hopefully these tips have helped you learn how to reduce my taxes being self employed. For more tips on reducing your taxes, talk to your tax advisor.
About the Author
More articles in tax savings and reductions at www.TaxOnlineGuide.com Find out how self-employed and small business owner can saves thousands of dollars on Taxes
All the Different Ways to File Your Taxes Online
As the tax season approaches, more and more people are beginning to worry about how they are going to file their taxes. As many people are going to mail their taxes through the mail, you may want to file your taxes online! For many, filing their taxes online may be much easier and quicker!
As most people are not aware of, there are many different ways to file your taxes online! In fact, there are many different ways of even filing your income taxes! Mostly it is a matter of what you want, and how quickly you want to file your income taxes. In fact, it does not matter to the state or government how quickly your taxes are filed, all they care about is that they are filed by the due date.
It is not hard for people to find all the different ways to file your taxes online. In fact, one of the ways to find all the possibilities of filing your taxes online is to go directly to a tax preparation business; and ask them. Many times when you file your taxes online with the tax preparation company, they will give you all the different options when it's time for the filing.
Another way that people are filing their taxes is by e-filing; just not through a tax preparation agency. Most of the time when people e-file their taxes, they purchase tax software; that requires to be downloaded onto the computer. It is extremely easy to file your taxes online using taxes software. Another way that you can file your taxes online is by using the websites that the government offers. Not only are the websites free to use, by they are also easy and quick!
Because there are so many different kinds of taxes software that can be purchased, it is best if you do some comparing between them all before you purchase one. However, one of the best known tax software that can be purchase is TurboTax. TurboTax not only helps you file your taxes online, but it explains every step of the way until you are completely finished. Also, there is not only one tax software; there are a couple different tax softwares that can be purchased. That is to make it possible to match the software for your needs of filing!
Once you decided that you wanted to file your taxes online, all you have to do is figure out if you wanted to do them yourself or if you want to hire someone! Either way, your taxes have to be filed!
About the Author
To read more on tax savings and reductions, visit www.TaxOnlineGuide.com Find out how self-employed and small business owner can saves thousands of dollars on Taxes
As most people are not aware of, there are many different ways to file your taxes online! In fact, there are many different ways of even filing your income taxes! Mostly it is a matter of what you want, and how quickly you want to file your income taxes. In fact, it does not matter to the state or government how quickly your taxes are filed, all they care about is that they are filed by the due date.
It is not hard for people to find all the different ways to file your taxes online. In fact, one of the ways to find all the possibilities of filing your taxes online is to go directly to a tax preparation business; and ask them. Many times when you file your taxes online with the tax preparation company, they will give you all the different options when it's time for the filing.
Another way that people are filing their taxes is by e-filing; just not through a tax preparation agency. Most of the time when people e-file their taxes, they purchase tax software; that requires to be downloaded onto the computer. It is extremely easy to file your taxes online using taxes software. Another way that you can file your taxes online is by using the websites that the government offers. Not only are the websites free to use, by they are also easy and quick!
Because there are so many different kinds of taxes software that can be purchased, it is best if you do some comparing between them all before you purchase one. However, one of the best known tax software that can be purchase is TurboTax. TurboTax not only helps you file your taxes online, but it explains every step of the way until you are completely finished. Also, there is not only one tax software; there are a couple different tax softwares that can be purchased. That is to make it possible to match the software for your needs of filing!
Once you decided that you wanted to file your taxes online, all you have to do is figure out if you wanted to do them yourself or if you want to hire someone! Either way, your taxes have to be filed!
About the Author
To read more on tax savings and reductions, visit www.TaxOnlineGuide.com Find out how self-employed and small business owner can saves thousands of dollars on Taxes
Taxes - Need I say More
Taxes Defined: Sums imposed by a government authority upon persons or property to pay for government services
A Home based business can be extremely rewarding, but please do not going into this thinking that it will be cake walk because I guarantee you,that cake is the only thing you will be able to afford.
A home based business is a business whose primary office is in the owner's home. The business can be any size or any type as long as the office itself is located in a home.
When you run a business, it can feel like you spend far too much of your time worrying about tax. Here's a quick guide to the what you need to know about tax.
You need to keep records of everything -- literally everything -- you spend on your home business. You should especially keep records of things when their use might be shared between personal and business, such any business-related travel expenses you run up on your car. If you have stock, you need to go through and inventory it at least once a month.
When you work from home, you are legally self-employed. This can put you in a sticky situation, meaning that you have to pay for medical and other taxes that your employer would normally pay for you. In the US, for example, you will be responsible for your own social security and Medicare payments, while in the UK you will need to pay national insurance.
If you're not sure where to begin, get some tax software. Choosing your circumstances from its lists and giving any additional information it asks for should show you most of the tax rules that apply to you.
If you want to save as much as you can on your taxes, don't rely on things you read on the Internet, or even on computer software -- get an accountant. They'll be up-to-date with all the latest tax laws, and will know thousands of tips and tricks that there's no space to list here. See if you can find one who will take a percentage of what they save you in tax as payment instead of charging a flat fee -- this is an ideal solution for you and for them.
Whatever you do with your taxes, you absolutely must not file them late or pay them late. It's an all-too-easy trap to fall into, but there are automatic fines. Tax collection agencies will look upon you very unfavourably if you pay late, and are likely to start immediately charging interest on any money you owe them. Write your tax dates on your calendar and underline them in red. Twice.
People often say death and taxes are the same, but they are wrong. Death is a taxable event, but taxes never die.
By : David McLauchlan
For more articles by this author on this subject and over 100 other subjects visit his world of articles at http://www.david-mclauchlan.com
A Home based business can be extremely rewarding, but please do not going into this thinking that it will be cake walk because I guarantee you,that cake is the only thing you will be able to afford.
A home based business is a business whose primary office is in the owner's home. The business can be any size or any type as long as the office itself is located in a home.
When you run a business, it can feel like you spend far too much of your time worrying about tax. Here's a quick guide to the what you need to know about tax.
You need to keep records of everything -- literally everything -- you spend on your home business. You should especially keep records of things when their use might be shared between personal and business, such any business-related travel expenses you run up on your car. If you have stock, you need to go through and inventory it at least once a month.
When you work from home, you are legally self-employed. This can put you in a sticky situation, meaning that you have to pay for medical and other taxes that your employer would normally pay for you. In the US, for example, you will be responsible for your own social security and Medicare payments, while in the UK you will need to pay national insurance.
If you're not sure where to begin, get some tax software. Choosing your circumstances from its lists and giving any additional information it asks for should show you most of the tax rules that apply to you.
If you want to save as much as you can on your taxes, don't rely on things you read on the Internet, or even on computer software -- get an accountant. They'll be up-to-date with all the latest tax laws, and will know thousands of tips and tricks that there's no space to list here. See if you can find one who will take a percentage of what they save you in tax as payment instead of charging a flat fee -- this is an ideal solution for you and for them.
Whatever you do with your taxes, you absolutely must not file them late or pay them late. It's an all-too-easy trap to fall into, but there are automatic fines. Tax collection agencies will look upon you very unfavourably if you pay late, and are likely to start immediately charging interest on any money you owe them. Write your tax dates on your calendar and underline them in red. Twice.
People often say death and taxes are the same, but they are wrong. Death is a taxable event, but taxes never die.
By : David McLauchlan
For more articles by this author on this subject and over 100 other subjects visit his world of articles at http://www.david-mclauchlan.com
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