Archive for the ‘Financial Services’ Category

Wp Twin Is The Most Simple And Fastest WordPress Copying System Around

Submitted by: Rustyyf Acosta

It will allow the blog page administrator to set-up an automated backup schedule for his site’s database (via server or e mail backup). You may perhaps also opt for to manually download it. The consumer-pleasant set-up also enables the website admin to find which objects to restore, delete, optimize, or restore to the database. It is critical to get note that the WP DB Supervisor can only again-up the subject matter, not the entire WP blog.

On the web Backup for WordPress -this individual plugin truly lets you shop 50MB to their server for totally free. Like the WP DB Manager, the option it offers is not extensive simply because once again, it can only backup the database. The safe encryption will assure that your information is secure. Other than that, the On the internet Backup for WordPress typically serves as an choice to related services.

Backupify – permits you to backup files across social websites this kind of as Facebook, Twitter, Flickr, and even Gmail. Its flexibility is its key benefit. But otherwise, Backupify supplies an just about very similar service to its much more well-liked counterparts.

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Automatic WordPress Backup – as opposed to WP DB Supervisor, the Automated WordPress Backup plugin is a lot more comprehensive. It allows consumers not only to back up their database but also their themes, photos, plug-ins, and all other uploaded files. You can manually or immediately backup WordPress by signing up for Amazon S3 storage companies. One drawback is that it is only compatible with Linux servers. Total while, at $.150 per GB (from Amazon S3), the expense of working with this is minimal in contrast to other solutions.

VaultPress – due to the fact this is offered by the very same company behind WordPress, this might actually be the very best on-line backup resolution for the platform. The firm also has a great deal of enjoyable strategies for this plug-in these as alerting end users to potential threats and permitting them to check their blog site. There is a person downside: the service will cost all around $fifteen-$20 per month.

Backup Buddy – this is a excellent WordPress web site backup plugin for considerable bloggers and for the website administrator of organization blogs. Your most effective benefits will be most dependent on how generally your information tends to get up-to-date, as well as how persistently there are adjustments designed to the web-site architecture itself.

A multi-writer site, or web page that has heavy targeted traffic and is up-to-date several times a day, receiving large figures of feedback may possibly will need to have backups scheduled each hour on the hour. On the other hand, a smaller web site with minimum adjustments could effortlessly survive on just a single backup per week.

For the vast majority of WordPress weblogs, one particular regular database backup will suffice, and an hourly backup could even but an unneeded strain on the server, specially at busy instances of the day.

Folders in the WordPress framework harboring files these as information, themes and plugins will need typical backup on a regular foundation. If you only make alterations to your concept or plugins when in a blue moon, and rarely upload media (if at all), then you can survive with significantly less frequent backups.

About the Author: Mitchel Phelps is a fulltime blogger in the computers discipline not to mention an ardent adventure fanatic. Make sure you go and visit

, if you’d desire to understand more information.


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Refinance After Bankruptcy Applying For A Refi Loan After A Chapter 7

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By Carrie Reeder

Refinancing your mortgage after a Chapter 7 bankruptcy allows you to cash out your equity and find lower rates. You can also lower your payments by extending your loan term. Two years after your bankruptcy has been discharged, you may qualify for conventional rates. But if you need a refi loan sooner, you can find a sub-prime lender to work with you.

Timing Your Refinancing

Most financial advisors will counsel you to wait two years before applying for a new loan. Within those two years, you can reestablish your credit score to good standing and qualify for a Fannie Mae loan with market rates.

However, you can find refinancing sooner by working with a sub-prime lender. Depending on your credit score, cash assets, and income, you can find a financing package only a couple of points higher than conventional rates.

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Before You Apply For A Refi Loan

Before you apply for a refi loan, check your credit report to be sure that your bankruptcy was properly discharged. Make sure accounts are in good standing and have accurate information. You can also include a letter explaining the circumstances of your bankruptcy, which can help your loan application.

Also, take the time to research lenders. Just like with any product, shopping around will guarantee that you get the best deal. It just takes a few minutes to receive loan quotes online. And you can review them at home with no pressure. While you are looking at rates, also note fees and closing costs.

Getting Better Rates

If you didn’t get the best terms or rates on your first mortgage, now is the time to find them. For the lowest payments, choose an adjustable rate mortgage. Usually for the first two to five years rates will be lower than fixed rates. Some lenders will also allow you to lock in a rate for a fee.

Interest rates can also be lowered by choosing a shorter term loan. While your total interest costs will be less, your monthly payments will be higher. Some lenders will also lower rates if you set up an automatic payment, usually debited from your checking account.

About the Author: View our recommended

Refinance After Bankruptcy

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Gbc Bind Mate Personal Comb Bind Binding Machine And 3 Hole Punch System Review

By Jeff McRitchie


* The GBC BindMate binding machine was released in 2009 by Acco brands and is designed for use in a small office or home office environment.

* Acco Brands who also makes the Swingline brand of hole punches and the entire line of GBC binding equipment developed the BindMate to be a combination three hole punch and plastic comb binding machine.

* With a low price point and an easy to use design, this machine offers a great combination for offices that need to bind documents with both plastic combs and 3-ring binders.

Strengths / Features:

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* The BindMate is one of the only combination binding systems that is designed to punch both 19 holes for plastic comb binding and 3 holes for use in presentation binders. Plus, with a price point under seventy five dollars, this machine offers a great value for small and medium sized organizations. It can punch a 19 hole pattern on both letter sized sheets and oversized covers and a 3-hole pattern on eleven inch sheets.

* This machine is very easy to use. In fact, all you need to do in order to switch between 3-hole punching and 19-hole comb punching is flip a small switch that is located on the front of the machine.

* The BindMate has a carrying handle conveniently located on front right side of the machine. This makes it easy to carry and transport the machine when it is not in use. It also offers a medium duty plastic comb opener located on the top of the machine.

Weaknesses / Limitations:

* Although this machine offers the ability to punch documents with two different punching patterns, it does not have a very large punching capacity. The BindMate is rated to punch 6-8 sheets of 20lb paper at a time. For an inexpensive machine, that is in line with its competition. However, punching thick documents or thicker papers with this machine can be very time consuming.

* The plastic comb opener included on the BindMate is designed for light duty binding of small documents up to 5/8″ thick (about 125 sheets of 20lb paper). Organizations needing to bind thicker documents will need to consider a larger comb binding machine with a heavier duty plastic comb opener.

* This machine is designed to handle documents with an eleven inch punching edge. Users who need to bind documents that are either shorter or longer than eleven inches will need to select a binding machine with disengageable punching pins.


* The GBC Bindmate is a good selection for a small office or home office that needs to bind documents with plastic combs and also uses 3-ring binders to store their documents.

* This machine offers and excellent price point helping to make it a good value for low volume users.

* However, this machine is not a good choice for high volume users or for companies that need to bind large documents. The small punching capacity and the limitation on the plastic comb opener make this machine impractical for punching documents with more than 100 sheets.

About the Author: For more information or to purchase the

GBC BindMate Personal CombBind Binding Machine and 3-Hole Punch System


. Jeff McRitchie is the director of marketing for has written over 500 articles on binding machines,binding covers,binding supplies,laminators,laminating supplies,shredders,paper han


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Employee Relocation In A Down Market

Submitted by: Laura M. Morton

Many companies have questions about what to do with an employee’s home when he or she is moved to a new job location, especially with the real estate market in a downturn throughout much of the country.

Typically, the employer wants to protect the employee against financial loss on a “forced” sale of the home. Here are the most common ways to do that and their consequences to the employee:

The employer reimburses the employee’s financial loss. Here the employer has the home appraised and agrees to pay the employee the difference between the appraised fair market value and any lesser amount the employee gets on the sale. Such reimbursement would cover the employee’s costs of the sale.

Note: The financial loss here is not the same as a tax loss. The financial loss is the home’s value less what the employee collects under “forced sale” conditions. In the current real estate market, the value is not always clearly determined. The relocating employee might think the home is worth more, based on earlier appraisals or comparative sales. A tax loss is the property’s tax basis (cost plus capital investments) less what’s collected on the sale.

If the employee has a gain on the sale (the amount collected on the sale exceeds the basis), gain can be tax-exempt up to $250,000 ($500,000 on certain husband-wife sales). However, tax loss on the sale of one’s residence is not deductible.

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The employer’s reimbursement of the employee’s financial loss is taxable pay to the employee. Employers who want to shelter the employee from any tax burden on what is usually an employer-instigated relocation may “gross-up” the reimbursement to cover the tax. But gross-up can be costly. For example, a grossed-up income tax reimbursement for a $10,000 loss would be $14,575 for an employee in the 35% bracket – more where Social Security taxes or state taxes are also grossed-up.

Employer buys the home. Few employers directly buy and sell employees’ homes. But many do this indirectly, effectively becoming the homes’ owners, through use of relocation firms acting as the employers’ agents. An IRS ruling shows how to do this with no tax on the employee:

Option 1. The relocation firm as employer’s agent buys the home for its appraised fair market value, and later resells it. The firm collects a fee from the employer, which will cover sales costs and any financial loss to the firm on resale. The IRS now says that this fee is not taxable to the employee. Also, the employee’s gain on the sale to the relocation firm qualifies for the tax exemption under the limits described above ($250,000 or $500,000).

Option 2. The relocation firm offers to buy the home for its appraised value, but the employee can choose to pursue a higher price through a broker he or she chooses from a list provided by the relocation firm. If a higher offer is made, the relocation firm pays that price to the employee (whether or not the home is then sold to that bidder). Here again, the employee is not taxed on the firm’s fee and the gain is tax exempt under the above limits.

Tip: Either option works for the employee, letting him or her realize full value on the sale of the home (with possibly greater value through Option 2), without an element of taxable pay.

Caution: If the deal is structured so that the relocation firm facilitates a sale from the employee to a third-party buyer (rather than to the relocation firm), the employer’s payment of the relocation firm’s fee is taxable to the employee.

The Employer’s Side

Reimbursing the employee’s loss. This is fully deductible as a business expense, as would be any additional amount paid as a gross-up.

Note: It’s fully deductible, but it may be more costly, before and after taxes, than buying the home for resale through the relocation firm.

Note: Paying the relocation fee only, without buying the home, as in the “Caution” above, is also fully deductible, as would be any gross-up amount on that fee.

Buying the home. The change in the IRS rule was good news for employees, but it gave nothing to employers, whose tax treatment wasn’t covered. The official IRS position is that employer costs (other than carrying costs such as mortgage interest, maintenance, and fees to a relocation management company) are deductible only as capital losses, which, for corporate employers, are deductible only against capital gains. Taxpayer advocates tend to argue that employer costs here are fully deductible ordinary costs of doing business.


Are you an employee who is being relocated this fall? Are you wondering about the sale of your home and the tax implications for you? We can answer your questions. Just give us a call.

About the Author: Laura is president and owner of 10 Key Solutions: Tax and Accounting Services. She has served in both the public and private sectors of accounting for over 25 years. Laura is an experienced and dedicated Accountant and Tax Preparer, with an attention for detail. Visit her blog for tax tips:



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