If you try toget more clientsand compete purely based on pricing, there’s always going to be a competitor to undercut you; instead, you can use a combination of targeted branding, cold outreach, cross-promotion with other agencies, and your own paid ads program to stand out to your ide...
However, the higher-wattage HID lights tend to run hot and can leave a big mark on your electricity bill. You definitely want to make sure you’re getting the exact right lights for your space so you don’t pay for more light than you really need. HID lighting (HPS in particular) ...
Using www.ZeeVee.com/ZINC as a “Guide Channel,” we get more shows than before, can access Netflix and don’t have to wait on network schedules. It’s all online, waiting for us – the web is our DVR. Plus, we completely eliminated a monthly bill! This bigger boatload of TV has...
Now, let’s say the next medical bill for that year is $700. Since you still have $300 of deductibles, you’re going to pay that amount for your medical bill. With the deductibles gone, you are left with $400. The insurance now kicks in at this point, and your insurance provider ...
The more improved the land is, the easier it will be to get a loan – from buildable to unimproved to raw land. Research whether the lot is serviced publicly or privately (city sewer vs. septic system). Does municipal water service the land, or do you need a private well installed?
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If you can connect a solar system to the grid easily, and the bill credits are at the full retail rate, net metering may be the best choice for you. However, if the policy is unfavorable and you don’t make much for the excess energy you export to the grid, having a battery backup...
I had an online conversation recently with financial advisorAllan Roth, who mentioned that he tells his clients to put no more than 20% of their bonds into municipal bonds (munis) due to default risk. He's not the only one worried about default risk either. Bill Bernstein has suggested tha...
A tax exclusion shelters a certain portion of income or type of income from taxation. For example, you can generally exclude child support payments, life insurance proceeds, and municipal bond income from your taxable income. Likewise, health insurance premiums that your employer pays are exempt fr...
Municipal bonds can be especially tax-efficient—their interest income isn’t taxable at the federal level and may be tax-exempt at the state and local levels as well. It’s wise to have a strategy that combines different types of tax-efficient accounts.19 What Can I Invest in to Reduce ...