Are you ready to Shop Smarter?

• Are you concerned about your Health?
• Are you interested in helping your Environment?
• Want a pathway to Financial Freedom?
• Are you worried about your Quality of Life?

If you want to partner with a Company that truly cares about you, your family, your goals and your financial dreams, I can help!

I have found something that literally fell into my lap at a time when I was down and out. I recently had gone from a full time salaried position with a remote company to the harsh reality of getting bumped to part time, twenty hours a week.  Imagine the shock that I felt, the impact that has left on my family of four. 

I started cutting costs, finding memberships to big box stores to help buy in bulk on products we use a lot to have on hand as our money situation started to dwindle.  That is when I found a Company that is unique and different by design. It has products that have improved my home, helped my children, lessen the financial burden on my spouse and allowed me to show people a product that I love and find the products that they love, all while making a profit to help our life.

Wouldn't you love to have peace of mind in your home?  How about starting with home cleaning products that are so safe that there are no safety caps?  Plus, these great products come with a 100% satisfaction guarantee and are offered for the same cost that your local stores offer cheaper, none safe products that contain Bleach, Ammonia or Harsh Chemicals?

Food for Thought:

If every household in North America were to switch to these products instead of grocery store brands, in 10 years we would save almost 7 billion pounds of plastic. 

If this plastic were turned into laundry baskets they would circle the earth an astonishing 71 times!

This is just the beginning of these amazing products.  There are bath and body products, makeup and skin care products, pharmacy products as well as an amazing vitamin and wellness line.  The best part, the products are all natural, 100% guaranteed and shipped right to your front door! 

If you want to watch the presentation or just know what I am talking about and how to change your life, email me! kam0900@yahoo.com I would love to show you how my personal life has changed and how you can change yours!

These are products that I use!  You all know that I had an especially rough winter this year with my girls.  We were sick the entire month of January and well into February.  We battled Pneumonia, Colds, Flu, Allergic Reactions and Sinus Infections within this short time frame, which is completely out of character for my family.  Since changing my cleaning products, and my laundry detergents I have seen a great improvement in both of my little ladies.  We have not been sick, the allergies, even seasonal allergies in my six year old, have been eliminated and Eczema in my youngest and myself have virtually cleared away before my eyes.  I believe.  I have seen first hand the results of these products and stand by them.  Let me show you the way!

~Kel

EMAIL: KAM0900@yahoo.com  

to find out more!

8 Things your Tax Preparer WANTS you to know...

It's tax season and hopefully everyone is getting there paperwork in order and setting up your tax duties of filing. 

We work with a CPA, and this year I was enlightened to learn some new things from my Tax Professional, and get this...it is stuff THEY WANT US TO KNOW!!





Here are 
8 things 
WE need to know:




1) Your Money is Due APRIL 15- EVEN IF YOU FILE AN EXTENSION!!!

The IRS allows extensions of up to six months, but they're meant for people who don't have all the information they need to file, not for those who don't have the money.  There are penalties and interest that will be collected for missing the payment deadline, even with an extension, that people do not even know.  To cover these extra costs, estimate your bill and make a payment. If you pay to much, you will get the difference back. Play it safe and get the money in the mail!


2) You're Probably Leaving out SOME Deductions.
It's not only the big ticket items that deserve your attention- smaller ones can add up too!  Have you donated to a charity? Do you have travel related to volunteering?  How about job-search expenses?  Maintain a record of everything- from printing your resumes at the copy shop to air travel for a job interview.  If your total miscellaneous expenses are more than 2% of your gross income, your search may be deductible- and this means even if you didn't get the job!  Other deductions to consider:  Membership fees for a weight-loss program if a doctor advised you to go; legal fees paid to secure alimony; moving expenses to relocate for a new job; classroom supplies (up to $250) if you are a teacher.


3) Small Business Deductions just got EASIER?
Until tax year 2013, you could not deduct your home-office space without cutting your expenses like your mortgage interest, property taxes, utilities and depreciation into account.  Now the IRS allows you to take simplified deductions of $5 per square foot for dedicated work-space for up to 300 square feet.  Let's say you netted more than $400 last year in babysitting, bookkeeping gigs or keeping an Etsy shop- you'll have to pay self-employment taxes on your earnings. 



4) There are some Great new Tax Apps.
Download Shoeboxed onto your Smartphone - snap a photo of your receipts (or you can mail them in) and the app captures and organizes your records electronically. Come April, you can easily export sorted receipts to popular tax programs. Once you filed, the IRS2GO app lets you check the status of your refund.

5) You may be able to Amend your Return.
This is the second year that same-sex married couples anywhere in the U.S. can reap the federal tax benefits of marriage.  Also, these couples can amend previous federal returns for 2011, 2012 and 2013.  This will most likely benefit couples with big income disparities- if one spouse is a stay-at-home parent or was unemployed during the recession. Note: Amending does NOT make you more likely to be audited and could score you a belated refund!


6) Double Check for Typos is KEY.
One of the most common mistakes is using the wrong Social Security number for dependents.  If you have kids, make sure those SSN's are correct, double check them because these are valuable deductions!  An error could delay or jeopardize the Child Tax Credit ($1,000 per child), the Child Dependent Care Credit (to to $2,100)  and the Earned Income Tax Credit (up to $6,143 with three or more qualifying children).  Take a minute to confirm these numbers BEFORE you file!

7) An IRS Installment Plan is smarter than Charging what you OWE.
For a onetime enrollment fee of $120 (or $52 if you set up for direct deposit), you can break your tax bill into payments spread out over 72 months, with a relatively modest interest rate of 3% annually.  Though paying with a credit card might be easier- and can earn you miles or points- the interest rates on most are much higher than that of the IRS. 



8) The Odds of BEING AUDITED are SLIM.
The truth is, 1 in 104 people are audited, based on 2013 statistics.  If you don't own a farm, rental real estate, or a small business, than your odds are 1 in 250. If you do have the bad luck of being audited, keep in mind that only 3 in 10 audits require a face-to-face meeting. Most audits are resolved by mail. 

I hope that this helps everyone during this tax season!  

Wishing many full returns to all! 

~Kel

Happy 30th Birthday--to my Little Brother... (personal) March 12, 2015

So, it's your 'Party and you'll cry if you want to'...and that's OK.  Cause, 'they say it's your birthday' so it's time to 'twist and shout'. 

Thirty! Look how far you have come! I am proud to be your Big Sister and proud of everything in your life that you have learned and accomplished.  

Your future is bright, just don't lose sight.  Things happen that will get you down, make your day and just be dull or boring. 

You're on the right track. You have been able to travel, to live, to be free and to find happiness and love. 

Don't lose sight of the little things that make life enjoyable.  Those things that often get overlooked are the ones that mean the most. 

We are so happy to have you "home" for this BIG Birthday!  I know that your heart will always be elsewhere, but it is still important to always know where this home is. 

I want to wish you a GIGANTIC, BIG Happy THIRTIETH Birthday!  I hope that this year brings you peace, happiness, and most of all lots of LOVE.  

I love you little brother!!!

Love, your sister,

~Kel

Why I hate checking my e-mail...

We all LOVE a great deal!  

I hate searching through my numerous e-mails a day trying to find that one...you know...that one that I was looking for to save me a few extra bucks while I am either running out the door to the store or ready to checkout online.  

I think that by taking all the savings, all the coupons, all the discounts and putting them in ONE SIMPLE place just makes sense!  

It will help me, I hope it might help someone else too!

Let's start SHOPPING! 

(Click on the Store name to follow the link to start shopping)

 

 

 

 

 

~Kel