Implications of the FairTax

There are conflicting reports over exactly how long the US Tax Code is, but estimates range from 16,500 to 2,500,000 pages long. Even on the conservative end of 16,500 pages, that’s a whole lot of pages on taxes. It is virtually impossible for any one person to know all of it and I would be exceedingly wary of anyone who claims to know it ALL.

This is one of the reasons that many on both sides of the political aisle have said we need to simplify the tax code. My favorite idea is the nonpartisan legislation known as the FairTax. The FairTax Act is a mere 132 pages and would replace our current tax laws.

The FairTax Act, as proposed, would eliminate the IRS, AMT (alternative minimum tax), federal income taxes, corporate taxes, capital gains taxes, payroll taxes, Social Security, Medicare, self-employment taxes, estate taxes, and gift taxes with a national sales tax. The national sales tax as defined in the Act would be 23% (tax-inclusive) or 30% (tax-exclusive), depending on how you define it.

Tax-inclusive, the tax rate would be 23%. Simply put, if you purchase a good for $100, $23 dollars would go to the government. Hence, the tax is included in the price. Tax-exclusive, the tax rate would be 30%. This means that if you buy the same good for $77, you would be accessed a 30% tax, which would make your total $100. In either case, you spend $100 for the same good.

The tax would only be applied once on new goods and services used for personal consumption. Anything purchased used or secondhand would not be subject to the tax. In addition, the tax would not be levied on intermediate business purchases.

The Act also calls for a monthly «prebate» to be issued to every family for purchases up to the poverty level. This means that every month, every household would receive a rebate check for purchases that household will make on necessary goods up to the poverty level.

Under our current system illegal immigrants don’t pay taxes, yet receive benefits, benefits being paid by legal taxpayers. Under the FairTax Act the monthly prebate would not be given to illegal immigrants, but illegal immigrants would still be paying the sales tax, which provides additional revenue to the government that is currently unaccounted for.

The FairTax would provide increased government transparency, but at the loss of tax deductions. However, even with tax deductions becoming meaningless, business owners and corporations still have much more to gain. For instance, businesses would not be required to pay corporate, self-employment, payroll, or capital gains. Businesses would keep more of their money and only be taxed on new goods or services purchased. In most cases, this would mean an increase in your business’s bottom line.

We all know that having more money in your pocket will lead to either increased spending or increased saving/investing. Increased spending would mean more tax revenue for the government at the time of purchase. If you save/invest, then your savings/investment will be able to grow tax-deferred until you spend it at which point you’ll pay taxes on it. The end result is that all income will be taxed, but the question is when. The primary benefit to you as a business owner or as an individual is that you determine WHEN and HOW you pay.

For more information check out the Official FairTax Site as well as the FairTax wikipedia article

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Madrid is Nature

If you ask people to describe Madrid in a few words, chances are «Nature» won't come up often. Maybe you'll get "traffic" or if you're lucky "culture" to sum up the Spanish Capital. Most people don't even know Madrid as a green city. Not only the surroundings are real green paradises but also inside Madrid you'll find wide natural spaces. A good example of it would definitely be the Retiro Park and the Casa de Campo; Should you do, you'll also get to see the Lagunas del Sur, the Cumbre Natural Park, Sierra de Guadarrama Natural Park and the Hayedo de Montejo.

Madrid is more than just culture, tourism and nightlife. Nature lovers and sport addicts will be able to go hiking, climbing, do some agro tourism and paintball, go cycling, horseback riding and kayaking.

One of the most amazing green areas of the capital is no doubt the Cumbre Natural Park, the Circus and Lagunas de Peñalara. The top of the Penarla is the highest point of the Sierra de Guadarrama with 2.430 meters of altitude. The whole area is full of glacier lagoons such as the Laguna Grande or Pepe Hernando and hilltops like Las Dos Hermanas (The Two Sisters).

The Hayedo de Montejo is definitely one of Madrid's natural treasures. We're talking about a huge forest of beech trees spread out on some 250 square meters located in the Sierra de Ayon. It has been declared Natural Site of National Interest in 1974; some of the trees are over 250 years old! You might see foxes and wild cats as well as wild boars, otters and aquatic blackbirds …

But there's no actual need to leave the heart of the capital to find green spaces. Check out the Casa de Campo, it's the main public park of Madrid. It is 1 722 hectares big. There, you may jog and you'll find a lake and picnic areas. It is considered to be Madrid's main lung with the Retiro Park. You'll see poplars, Holm oaks, pine trees, plane trees, chestnut trees, willows, ash trees and many aromatic plants.

Now you understand better how Madrid can be Nature. Come and see the greener side of the Spanish Capital. Rent the best apartments in Madrid and experience living in harmony with Nature.

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Dele Alli equalizes for Spurs v. Man United | Premier League | NBC Sports



Dele Alli brilliantly controls a rebound off David De Gea and smashes Spurs level at Old Trafford. #NBCSports #PremierLeague #Tottenham #ManUnited #DeleAlli

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The Premier League across NBC Sports Group launched in 2013 with their biggest and broadest programming commitment to-date in the United States. With live multi-platform coverage of all 380 games, analysis from best-in-class talent and extensive surrounding coverage all week long, NBC Sports Group has become the ultimate destination for new and existing Premier League fans.

The Premier League maintains strong and consistent reach across NBC, NBCSN, CNBC, and NBC Sports Group’s live streaming products, led by the biggest stars and most prestigious teams in the world.

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Dele Alli equalizes for Spurs v. Man United | Premier League | NBC Sports

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Arsenal v. Liverpool | PREMIER LEAGUE CLASSIC MATCH | 04/09/2004 | NBC Sports



Take a look back at a memorable back-and-forth battle between the Gunners and Reds, when Thierry Henry netted a hat trick to lift Arsenal to victory at Highbury and preserve their Invincibles season. #NBCSports #PremierLeague #Arsenal #Liverpool #ThierryHenry
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NBC Sports Group serves sports fans 24/7 with premier live events, insightful studio shows, and compelling original programming. NBC Sports is an established leader in the sports media landscape with an unparalleled collection of sports properties that include the Olympics, NFL, Premier League, NHL, NASCAR, PGA TOUR, the Kentucky Derby, Tour de France, French Open, IndyCar and many more. Subscribe to our channel for the latest sporting news and highlights!

The Premier League across NBC Sports Group launched in 2013 with their biggest and broadest programming commitment to-date in the United States. With live multi-platform coverage of all 380 games, analysis from best-in-class talent and extensive surrounding coverage all week long, NBC Sports Group has become the ultimate destination for new and existing Premier League fans.

The Premier League maintains strong and consistent reach across NBC, NBCSN, CNBC, and NBC Sports Group’s live streaming products, led by the biggest stars and most prestigious teams in the world.

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Arsenal v. Liverpool | PREMIER LEAGUE CLASSIC MATCH | 04/09/2004 | NBC Sports

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Arsenal v. Bournemouth | PREMIER LEAGUE HIGHLIGHTS | 10/6/19 | NBC Sports



David Luiz’s header was enough to edge Arsenal past Bournemouth in a closely fought match at the Emirates. #NBCSports #PremierLeague #Arsenal #Bournemouth #DavidLuiz
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NBC Sports Group serves sports fans 24/7 with premier live events, insightful studio shows, and compelling original programming. NBC Sports is an established leader in the sports media landscape with an unparalleled collection of sports properties that include the Olympics, NFL, Premier League, NHL, NASCAR, PGA TOUR, the Kentucky Derby, Tour de France, French Open, IndyCar and many more. Subscribe to our channel for the latest sporting news and highlights!

The Premier League across NBC Sports Group launched in 2013 with their biggest and broadest programming commitment to-date in the United States. With live multi-platform coverage of all 380 games, analysis from best-in-class talent and extensive surrounding coverage all week long, NBC Sports Group has become the ultimate destination for new and existing Premier League fans.

The Premier League maintains strong and consistent reach across NBC, NBCSN, CNBC, and NBC Sports Group’s live streaming products, led by the biggest stars and most prestigious teams in the world.

Visit NBC Sports:
Find Premier League on NBC Sports:
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Arsenal v. Bournemouth | PREMIER LEAGUE HIGHLIGHTS | 10/6/19 | NBC Sports

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Getting Out of Debt With Zero-Based Budget

After accepting you must change your behavior to get out of debt, you are ready to look at relevant financial engineering tools. Again, I stress that without behavior change, tools and techniques will not improve your financial affairs. You must change your behavior because you choose to spend; money is merely the means to the end.

Zero-based budgeting is an important financial engineering tool for the household, particularly if folks are in debt. Developing and using a zero-based budget will help you sift your expenses. Traditional budgeting starts where you are as a base and then increases current dollar figures. Generally, the focus is on money, not activities, and the process assumes you need the status quo.

On the other hand, zero-based budgeting starts with a clean slate. For a household, it identifies a realistic lifestyle that will lead to minimum expenses in a defined period. It excludes discretionary items, but includes debt repayment plans. Most of all, it does not focus on money but on activities.

A proper zero-based budget for a household should show clear answers in these three areas: goals, plans, and monetary estimates (budget).

Goals

  1. What are the goals for the budget period?
  2. Is each goal necessary? Why?
  3. What if you do not do them now?
  4. Should each needed goal continue the same way?
  5. Suppose you stopped it?

Here, you are trying to identify your minimum lifestyle level for the period. Will you cut goals and activities so deep that you focus almost entirely on debt reduction? For example, will you eliminate buying clothes, taking vacation, children’s hockey, dance, or other activities?

For an item to qualify as a legitimate goal or activity, you must be satisfied that not doing it will cause major unavoidable disruptions to your lifestyle and household. How important are your daughter’s ice skating lessons?

Plans

  1. Is there a plan for each surviving goal? Is there a plan to control spending on your son’s football activities?
  2. Should the plan change to require less expenses? Should you carpool to go to your daughter’s soccer games?
  3. Could you defer the plan and the goal until a greater portion of your debts are repaid?

Monetary Estimate (Budget)

  1. Notice that financial calculations are just now being discussed, and only in the context of approved goals and plans.
  2. You will not look at last year’s budget because you will build this budget from scratch, focused on specific needed goals.
  3. You have to calculate what it will cost you to do each task and activity as if you had never done them before.
  4. The budget will exclude frills unless they have goals and plans. It will include debt repayment based on your debt repayment schedule.

Zero-based budgeting, done properly, is an effective tool that could benefit households and businesses. However, it is difficult to use because it involves much work. Besides, folks become insecure as it forces them to think unconventionally and creatively, to question the present state, and to embrace change. In short, zero-based budgeting will take you outside your comfort zone.

After doing your zero-based budget, you must get an accountability partner and then set up a reliable review process so you can see quickly effects of your lifestyle choices, compared with the zero-based budget.

I repeat, this is an exceptionally useful tool to help you get out of debt, but first, you must change behaviors that led to your indebtedness.

Copyright © 2012, Michel A. Bell

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Appropriate Outdoor Sports Wear For Your Outdoor Activities

If you are planning an outdoor sports activity then it is important to keep in mind that each sports activity requires different set of apparels. There are many factors that have to be kept in mind like the outdoor weather conditions, the intensity of activity involved in a certain sport, etc. It is advisable to create a checklist of different clothes to be worn for different outdoor activities.

Hiking

Never choose your hiking apparel based on appearance only. It more important to keep yourself protected. The usability of the clothes matters more. If you go for appropriate hiking apparels, it will enrich your hiking experience. Always go for hiking apparel that is made of synthetic material. Synthetic material is lighter and has the ability to soak and absorb sweat and water easily. It is very important to choose layered clothing as the warm weather can take a sudden swing and become cold or vice versa and you do not want to be stranded with inadequate or too much clothing. Also carry lightweight jackets and coats which are rain and water proof. It is also important to wear waterproof and sturdy hiking boots.

Fishing

Mainly people wear clothes to protect themselves from the sun, rain and other climatic vagaries. You are extremely prone to the harsh weather conditions especially when you go on some outdoor activity like fishing. You should choose fishing attire according to the weather on that particular day. If it is hot and sunny, then be sure to wear your shades, a hat and light clothes which are also water proof. But be sure to keep in mind that the weather does not stay constant throughout the day. A warm and sunny day can suddenly become chilly in the evening. So be sure to keep appropriate warm clothes handy. Also it is important to cover your hands with proper water proof gloves. In case you are going ice fishing, then be sure to wear heavy clothes in layers so that the upper layers can be taken off in case you feel too warm later on in the day. Suitable waterproof fishing boots are also recommended.

Mountain Climbing and Skiing

Activities like Mountain climbing and Skiing involves low temperatures and snow which requires mountain climbers and skiers to wear heavy, warm and water proof clothing. Proper eyes and head gear is also recommended. There are special mountain climbing and skiing boots which should be worn while undertaking these activities.

Apart from having particular clothes for specific outdoor activities, it is also wise to go in for customized and specially designed clothes wear which are multipurpose and can be used for all activities. Many outdoor sports stores offer specially designed clothes which are tailor made to suit your requirements and which can be worn for all different outdoor activities. It is hence essential to wear proper clothing for outdoor activities if you fully want to enjoy your sporting adventure.

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Five Reasons to Select Proper Athletic Clothing

Selecting the right kind of clothes is always important. You cannot go for a formal meeting in your pajamas nor can you go to bed in your tuxedo. Thus, it is important to select the right clothing for each and every occasion. Be it meeting, wedding, date, gym, sports and so on. Yes! You heard it right. It is important to wear right clothes for a gym session and while playing any sports as well. Wondering why it is important?

Here are five reasons which will make you realize the importance of athletic clothing:

  • Wearing the proper athletic clothing will boost your confidence – The clothing you wear will make a huge difference in your performance. This has been proven by few studies done all around the world. Studies have shown that wearing the right clothes has a positive impact and you tend to perform better. Thus, when you have the right equipment and you are wearing the right clothes, the confidence interprets into better performance.
  • Right sports apparel enhances performance – Selecting the right apparel is necessary for any sport you play. For instance, a pair of running shoes is necessary for soccer. But they are not recommended for few other sports as they lack flexibility, traction and lateral stability which are required for other sports. Also, clothing that removes perspiration from the body must be selected.
  • Correct workout equipment avoids injury and adds protection – One of the main reasons of sports related injuries is the use of improperly fitted sports equipment. For example use of shoes that do not fit properly might cause craps, blisters or even slippery. Also some of them might require use of orthotic inserts to avoid leg injuries. It is always advisable to change your shoes after using them for 400 to 500 miles.
  • The movement of the body improves when you wear the right fitted clothes – It is important that the clothes you wear provide you freedom of movement without any obstructions. Your shirt or your shorts should not be too tight that restricts your movement nor should they be too loose that they slip every time you twist, turn or jump.
  • Some compression clothing also helps you to recover from any injury after workout – These compression clothing stimulates blood circulation. This graduated blood flow through muscles helps to remove the lactic acid which is produced during workout. Consequently, the recovery of the body increases and reduces the chances of having sore and stiff muscles. Wearing of compression clothing gives the same effect as massaging.

So get yourself the right athletic apparel before you go for workout or go out play your favorite sports.

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Every goal from Premier League 2019/20 Matchweek 1 | NBC Sports



Watch all the goals from the thrilling opening weekend of the 2019-20 Premier League season. #NBCSports #PremierLeague #Matchday1
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NBC Sports Group serves sports fans 24/7 with premier live events, insightful studio shows, and compelling original programming. NBC Sports is an established leader in the sports media landscape with an unparalleled collection of sports properties that include the Olympics, NFL, Premier League, NHL, NASCAR, PGA TOUR, the Kentucky Derby, Tour de France, French Open, IndyCar and many more. Subscribe to our channel for the latest sporting news and highlights!

The Premier League across NBC Sports Group launched in 2013 with their biggest and broadest programming commitment to-date in the United States. With live multi-platform coverage of all 380 games, analysis from best-in-class talent and extensive surrounding coverage all week long, NBC Sports Group has become the ultimate destination for new and existing Premier League fans.

The Premier League maintains strong and consistent reach across NBC, NBCSN, CNBC, and NBC Sports Group’s live streaming products, led by the biggest stars and most prestigious teams in the world.

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Every goal from Matchday 1 in the Premier League | NBC Sports

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Pakistan Cricket Team – A Look at the Batsmen for the World Cup Squad

The world cup tournament is soon to begin. Squads have been announced. Fans wait in anticipation of what is to come next. In this article the prospects of the Pakistani team will be discussed. This article will discuss the potential of the batsmen. The possible batsmen in the playing 11 will be M.Hafeez, Ahmed Shahzad, Younis Khan, Sohaib Maqsood, Umar Akmal, Misbah Ul Haq, Shahid Afridi and Sarfraz Ahmed.

In the above list only Ahmed Shahzad, Younis Khan, Misbah ul Haq and Sarfraz Ahmed are reliable batsmen. M.Hafeez was selected to ‘bat’ but has ever since failed to be reliable. He has rather become a bowler. Currently, he doesn’t deserve to be a part of this team. In my opinion Sarfraz should open the batting with Ahmed Shahzad. Younis Khan is reliable but his strike rate is very low sometimes. Especially if wickets fall early it becomes very difficult for Younus Khan to make runs. Misbah is very effective indeed but he will probably be coming very late in the innings. I doubt he would be able to deliver match winning innings. Sarfraz Ahmed is classy but given his position he really can not deliver at all. Shahid Afridi is not a batsman and almost usually gets out early. He is someone who shouldn’t even be in this list. Sohaib Maqsood is a good prospect but not reliable. He has the problem of being inconsistent and has a lack of temperament. He plays reckless shots consistently. In my opinion this batting order has numerous chemistry problems too.

In my opinion the batting order must have been this way. Sarfraz Ahmed and Ahmed Shahzad must’ve opened the innings followed by Fawal Alam, Sohaib Maqsood, Umar Akmal, Misbah ul Haq and then Abdul Razzaq. Unfortunately Abdul Razzaq has not been included in the squad which is a pity. If such a squad would have been chosen then Pakistan’s batting line up would have been strengthened greatly. Fawad Alam is a very good batsman and his recent performances have been very good. Abdul Razzaq is an exceptional all-rounder and he should have been in the squad. It is a pity that very talented players have not been included. Hammad Azam could also have been included.

A very good team combination could have been made. Unfortunately, the team selection is very poor. The batting is not very strong yet Pakistan can win the upcoming world cup. The bowlers of the Pakistani team will have to play a key role.