Part 3 - Lord Jim by Joseph Conrad (Chs 13-19)

!: Part 3 - Lord Jim by Joseph Conrad (Chs 13-19)

Part 3. Classic Literature VideoBook with synchronized text, interactive transcript, and closed captions in multiple languages. Audio courtesy of Librivox. Read by Stewart Wills. Playlist for Lord Jim by Joseph Conrad: www.youtube.com

Part 3 - Lord Jim by Joseph Conrad (Chs 13-19)

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Tax Records - What You Should Keep And For How Long

!: Tax Records - What You Should Keep And For How Long

Many taxpayers are confused about how long they should keep
tax records. The term "tax records" refers to your tax
returns and the documents that support the information in
the returns. These documents can include receipts, bank
statements, 1099s, etc. If you are one of the unlucky few to
be audited, these records will be vital to fending off the
IRS.

Tax Returns

To protect yourself from a nasty audit, you should keep all
of your tax returns indefinitely. The IRS has been known to
lose or misplace tax returns. While conspiracy advocates
argue that this is evidence of a nefarious scheme, the
simple fact is that the IRS receives millions of returns
over a three-month period and lost returns are inevitable.
So how do you protect yourself? You keep copies of every
single tax return.

A quick word on the IRS e-file program. If you file your
returns electronically, make sure you get copies from the
company that filed your return. All such entities are
required by law to provide you with paper copies.

Records Supporting Tax Returns

You should keep supporting tax records for a period of six
years from the date the returns were actually filed. In
general the IRS only has three years to audit you from the
filing date. For example, if you filed your 2000 tax return
on April 15, 2001, the IRS would have to start an audit by
April 15, 2004. Keep in mind that if you filed an extension,
the IRS will have three years from the date you submitted
the return. As is always case with taxes, there are
exceptions to this general time period.

If your tax return looks like the great American novel, the
running of the three-year audit period may not save you.
Failure to report more than 25% of your gross income gives
the IRS an additional three years to pursue you. Using the
previous example, the IRS would have until April 15, 2007 to
audit your 2000 tax return.

Property Records - Get A Filing Cabinet

You may need to get a filing cabinet if you hold property
for an extended period of time. For example, assume that you
purchased a home in 1980 for 0,000 and made ,000 in
improvements over the years. You need to keep the purchase
records, mortgage statements and receipts that relate to the
improvements. When you sell the home, you will need the
records to determine the tax consequences of the sale, to
wit, your basis (original cost plus improvements) and
profit. If the IRS decides to take a closer look at the
reported profit, you will need to provide your tax records
to support your claims. Once you actually sell the property,
it is recommended that you keep all of the tax records for
an additional six years.

Divorce

Make sure you keep copies of all of your financial
documents, tax returns and supporting documents if you get
divorced. You should also keep copies of all divorce
agreements and court orders that cover property and
financial issues. When couples divorce, the tax and credit
consequences can be nightmarish. If you don't keep records,
you will have to ask your ex-spouse for them. Get the
records now to avoid doubling your misery!

Hopefully, you will never need to show your tax records to
the IRS. If you are one of the unlucky few that is audited,
your tax records should keep your feet out of the fire.

Tax Records - What You Should Keep And For How Long

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Fire Proof File Cabinets - Should You Settle For the New Or the Used?

!: Fire Proof File Cabinets - Should You Settle For the New Or the Used?

In any business office, you will find rows of filing cabinets, especially when the business is very paper based. Even scanning all your required paperwork will need safe storage. As the business owner, the onus lies on you to ensure that you keep proper documentation of your operations, from billing, customer contacts to mailing lists. Once these important documentation go down in an accidental fire, the survival rate of your business as an ongoing concern will be largely impacted. Indeed, you need to give your business the rightful protection it needs, that is, fireproof file cabinets.

Not only does your business continuity planning require you to protect your documents with fire proof filing cabinets, some insurance companies too require that you have them in order to be insured. Under such circumstances, regardless if you are strapped by a tight budget, you should still be protecting your business but with a potentially viable alternative. You need not spend a fortune on new ones as you can opt of used or refurbished ones. They come at a fraction of the cost compared to the new ones.

While it is not a bad idea to buy used fire proof filing cabinets, there are, however, precautions that you should take when buying them. Check out with a reputed used office furniture dealer to prevent substandard products. The key is to find used ones that have never been through a fire. Otherwise there will be not much use in fire prevention. The main reason being that there is a special type of liquid that manufacturers use which keeps the interior temperature low. This liquid will oxidize and disappear in a fire and even if the cabinet is refurbished the fire resistant effect is greatly affected.

Hence, you may opt for used fireproof file cabinets but only if you are convinced and satisfied with the reputed dealer being able to provide you evidence that the cabinets are still robust and authentic.

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Google Science Fair 2011 - Opening Event

!: Google Science Fair 2011 - Opening Event

Get inspired and learn more about the Google Science Fair by watching a recording of the opening event on January 11, 2011. Jump to a particular section by clicking the links below: Mariette DiChristina: www.youtube.com Vint Cerf: www.youtube.com William Kamkwamba: www.youtube.com Spencer Wells: www.youtube.com Google Science Fair Demo: www.youtube.com Tesca Fitzgerald: www.youtube.com Q&A Panel: www.youtube.com About the Google Science Fair Introducing the world's first online global science competition, the Google Science Fair! Google has partnered with CERN, LEGO, National Geographic and Scientific American to create a new kind of online science competition that is more global, open and inclusive than ever before. Students aged 13 - 18 from around the world are invited to enter and compete for awesome once-in-a-lifetime experiences, scholarships and real-life work opportunities. Sign up today at google.com/sciencefair.

Google Science Fair 2011 - Opening Event

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To Control or Not to Control.... Is There A Question?

!: To Control or Not to Control.... Is There A Question?

I have often spoken about the need to have an efficient document management system in place for any business. I can't stress it enough really. If you think a document management system is similar to file Storage, read on, if you think that your filing system has worked for you, even though you have lost one or two proposals and felt awkward at meetings because you're information wasn't correctly uPDAted or just lost, boy do I have news for you.

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The Best Portable Hidden Surveillance Cameras

!: The Best Portable Hidden Surveillance Cameras

With all of the new miniaturization technology coming out in the last few years we have had an increase in the availability of portable hidden surveillance cameras. These days you can get a camera into just about anything which makes finding the right camera for your needs much easier than ever before.

Due to Federal regulations, hidden cameras with an ability to be permanently installed are not permitted to record audio because of the possibility of many different types of abuse. But thankfully this doesn't apply when it comes to portable hidden surveillance cameras which are allowed to record audio as well as video.

As mentioned earlier, there are many types of portable hidden surveillance cameras and the following list only covers a small part of what is available but it will at least give you a good idea of some of your current options.
Spy Camera Video Watch - Just like it sounds, this is a wrist watch that has a built-in color camera, microphone and DVR. The watch itself is fully functional and looks very stylish so you can wear it all the time if you choose to do so which is a key benefit of this particular portable hidden surveillance camera. Since you can wear it all the time should you need to record video and audio at any time you will have it there handy and ready to use! Digital Camera Spy Pen - This is a fully functional ball point pen that has a built-in color camera, microphone and DVR. You can carry this device in your pocket or even set it down on a table while you record the audio and video you wanted to catch. Because it is a working pen, you can use it all the time and keep it with you for any time you may need either a pen or to record something. Spy Camera Sunglasses - These are very modern looking polarized sunglasses with a built-in color camera, microphone and flash memory that can record both audio and video without anyone knowing. The camera shoots out the top of the sunglasses frame allowing you to capture video for whatever direction you are facing. To double the memory you can simply add a 4 gigabyte micro SD card using the included slot. It even has a built-in MP-3 player so you can enjoy your music when not using it to record audio and video.

Any of the portable hidden surveillance cameras listed above would be great for capturing whatever audio or video you need recorded. Best of all they are all inexpensive in comparison to larger, stationary hidden cameras.

The Best Portable Hidden Surveillance Cameras

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Spray Foam Insulation is The Wise Choice for Your Home or Business

!: Spray Foam Insulation is The Wise Choice for Your Home or Business

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In recent years, all the world has started to focus on energy conservation, and getting the most out of reusable products. In addition to the various hybrid cars, energy efficient appliances, light bulbs, and such, you can include spray foam insulation.

This kind of insulation offers multiple features for the environmentally (and economically) aware. Spray foam is a green, cost effective and safe material to install in your home or business.

Spray foam is made from agriculturally based materials that are naturally occurring. It also contains one of the highest levels of reusable materials, making it environmentally friendly even when you're ready to dispose of it.

Energy efficiency is another attractive feature. Because of the nature of the materials and the means of application, the spray foam creates an air tight seal between the walls. This translates to heating and cooling savings for your home or business. When applied, the insulator fills every nook and cranny, keeping the elements where they belong - outside.

Not only does it save you money on the monthly bills, it can save you up to 0 dollars at tax time. Of course, there are certain requirements, including the quality of the foam, warranties and documentation by the manufacturer, but when you consider to those tax savings, getting the paperwork isn't such a big deal.

Yet another way you can save with this type of insulator is on installation itself. It's so simple to apply, that you can rent equipment and do it yourself. Even if you hire out, the application is relatively quick and easy, saving the contractor time on the job.

One of the most important features about the spray foam insulation is how household safe it is. Because of the composition of the materials, it provides no nutritional value to rodents or vermin, nor does it allow or support mold growth. Beyond that, your insulation can function as an effective part of a fire prevention system.

The foam is fire resistant. When combined with proper alarm devices and safety plans, it can contribute to the safety of your building and whoever's inside. The material's been tested in industry standard fire trials, and stands up better than most to sustained fires. It just doesn't catch fire like some materials can. That definitely brings peace of mind.

Whether you're remodeling or starting fresh, spray foam insulation is a wise choice for your insulating needs. It's environmentally friendly, and lends itself easily to the big job of making existing structures green. It's a money saver on both monthly bills and tax time. And finally, it protects your structure from nasty things like mold and vermin, while offering a moderate level of fire safety (when combined with an appropriate Monitoring and safety system).

Going green in the 21st century shouldn't be a hassle. With spray foam insulation, you can turn your home or business into an eco-friendly site. The savings you get from the energy efficiency and quick application makes this a wise choice to suit your building needs.

Spray Foam Insulation is The Wise Choice for Your Home or Business

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Fireproof File Cabinets - Do You Really Need Them?

!±8± Fireproof File Cabinets - Do You Really Need Them?

So you have bought sufficient fire insurance to cover your business in the event of fire, or you believe you have. Many individuals who own businesses and homes tend to live in the false notion that they have fully protected their business and home with fire insurance. This is far from the truth. What is deemed as the intrinsic value of your business are the most critical items for its survival. How much would you value important customer mailing lists, purchases and billing records as well as warranties? Priceless! And when you are faced with the harsh reality of losing them for good in a bad fire, you would probably seriously consider getting fireproof file cabinets.

Fire proof file cabinets are designed to insulate your documents and withstanding heat from a fire. Depending on the fire resistant rating specifications you can literally keep your paper documents, media and digital records safe for varying periods of time within these safes.

The most common and reliable reference is the Underwriters Laboratories approved fire resistant rating. This is an industry standards rating system and many reputed manufacturers abide them and specify their fire proof file cabinets and burglary safes accordingly. Take for instance a UL fireproof rating of 350 degree Fahrenheit means that the interior of the safe will not exceed 350 degrees F within one hour of the fire. This is the most common standards set for fire proof safes and cabinets.

For those of you who run a business at your home office, you might consider getting an additional fireproof media safe if your business entails handling a large number of media and digital records as part of the daily activities. This is due to the fact that such files and records including tapes, CDs, DVDs, flash Drives, USB Drives, do not take to heat as well as paper items and they damage much more easily. Hence, instead of 350 degree F, you will need a safe not exceeding interior resistant temperature of 125 degree F in the event of a fire.

Alternatives to having separate systems is to purchase a safe-in-a-file-cabinet system which houses all your important documents together at one place, making it easier to retrieve all your items at one shot in times of fire. While there is convenience, there are also risks of losing everything in the fire.

Having separate security systems for your documents as well as media records could help to spread your risks in times of disaster when you least expect it to happen. You also have a option from a wide variety of designs and colours to choose from. Often, owners would prefer that the fireproof file cabinets and safes blend into the background of the office or home interior, to attract as little attention as possible. You can specify customization for the higher end products.

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