Tuesday, January 31, 2012

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Thursday, July 15, 2010

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Tuesday, May 18, 2010

Finding a Retirement-Friendly State

Ah, retirement. The very sound ofstrat things up again the word is music to the ears of millions of older workers, especially those who will be financially prepared to stop working. No boss, no schedule, long days of leisure down in sunny Florida … or Arizona … or maybe California. Which state should you choose, anyway?my best friend Of course, there is no right answer to this question, but the state in which you choose to retire will affect how far your retirement dollars will go. Let's take a look at the types of I am in the worng worldtaxation levied by different states and how this can impact your financial well-being in your golden years.New York has stipulations for some government code technologyemployees to receive tax-free pension income, but not all retirees. These three states exempt virtually any kind of income received from tax-deferred accounts, including pensions, IRAs and qualified plans.
If your pension is from the government ornot only about survival the military, then seven more states open up for consideration: Alabama, Hawaii, Kansas, Louisiana, Massachusetts, Michigan and New York. If the aforementioned states do not appeal to you as retirement havens, seven others exempt at least a portion of pension income from taxation: Delaware, Georgia, Minnesota, New Mexico, Utah, Virginia and West Virginia.
States that tax all retirement income at relatively high rates include California, Connecticut, Nebraska, Rhode Island and Vermont. More complete information on how each state taxes their residents' pension income can be found at RetirementLiving.com
Retirees seeking relief from Social Security taxation at the state level have far more choices than those who do not want to pay taxes on their pension income. In addition to the nine income-tax-free states, as of 2008, there are 27 more (plus Washington D.C.) that exempt Social Security benefits from taxation. The remaining states all tax Social Security income to some degree, although several of them have imposed various types of limits that apply when calculating the amount owed on this income.
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unreasonable. If you arrive at the audit with a large chip on your shoulder, you might make the auditor less willing to see things in your light. look at yourself
Provide only copies. Don't bring original documents to the audit. If you do bring originals, do not give them to the agent. Request that the agent make copies and give the originals back to you. Once you hand over your original documents, there's a very good chance that they will be misplaced or lost. Then you're the one holding the bag, since the IRS isn't responsible for documents lost in its possession. little boy
Stay on point. The auditor will be able to obtain some valuable information in what seem to be simple and friendly discussions. Asking about my softwarean expensive new car that you might have purchased, or that vacation to the Greek Isles, might give the auditor reason to believe that you're not reporting all of yourI miss my home income and thus expand the scope of the audit. When you meet with the auditor, in essence, you're providing testimony. So answer as many questions as possible with a simple from and go"yes" or "no" response. If you must expand or explain, keep it brief and very much to the point. Don't give the auditor a reason to expand the audit because of your tendency to ramble on.Know your rights as a taxpayer. Remember that an audit is like a small trial. It is an adversarial exercise. So while you can disagree without being disagreeable, you must know your rights, the audit process, and the law behind the deductions you are claiming. Settling any difference at the audit level is generally best, but if you can't come to an agreement, you have rights that allow you to request a conference with the IRS Appeals Division.
Be aware that appeals officers are even more senior than agents, with much more experience and knowledge behind them. If you're making a specious argument that the tax law doesn't support, the appeals officer will quickly shoot it down. However, if the issue is complicated and your argument is founded in tax law and court cases, the appeals officer can make quick work of the analysis -- and might just find in your favor.
Again, your best bet if you're audited is to retain the services of a qualified and experienced tax pro who can argue your case without passion or prejudice. Such a person already knows the most effective ways to help you quickly resolve a conflict with the IRS. Hiring such a person is not cheap, but quality services never are, and you could pay a lot more if you don't hire a professional and the audit doesn't go well. The tax code has become so complicated that you're unlikely to know the law as it applies to your tax return and your rights as a taxpayer. That's why a qualified tax pro can be worth every dollar of his or her fee.But again, for those of you who decide to go the do-it-yourself route, stick to the game plan we've discussed here. And if you ever decide to remove your own appendix, well, good luck with that, too.
his article was originally published on Oct. 13, 2006. It has been updated.When he's not dealing with tax issues, Fool contributor Roy Lewis is a motivational speaker who lives in a trailer down by the river. He understands that The Motley Fool is all about investors writing for investors. You can take a look at the stocks he owns, as long as you promise not to ask him which stock to buy. He'll be glad to help you compute your gain or loss when you finally sell a stock, though.Copyrighted, The Motley Fool. All rights reserved
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Achievements

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3. Leading for internal audit and preparing for management review reports periodically.4. Coordinating customer audit/survey and follow up customer CAR.5. Preparing for third party audit and escorting UL field representative to conduct on-site inspection.
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7. Ensuring that all incoming materials and F/Gs are compliance with customers’ hazardous substance control requirements and EU RoHS requirements. 8. Assisting Facility Department to complete equipment qualification and Engineering Department to develop process validation protocol, establish technical file, validation master plan, etc.9. Leading for NWQS (Nypro Worldwide Quality System) implementation.
10. Conducting QC 080000, GMP/FDA, NWQS training for relevant people.Achievements:Coordinate with Nypro China Quality Director and Corporate Quality Director for establishing Environmental Management System (ISO 14001), cGMP’s (Current Good Manufacturing Practices) and Nypro Worldwide Quality System (NWQS) for Nypro Shenzhen. Leading to establish Quality Management System for Medical Devices (ISO 13485: 2003) and Hazardous Substance Process Management System (QC 080000) for Nypro Shenzhen successfully. Detailed achievements as below:
. Sept, 2006--- Pass Microsoft QSA, CSR, and RSC audit2. April, 2006 --- Pass IECQ QC 080000: 2005 certification audit and make Nypro (Shenzhen) be the 7th company worldwide to receive the QC 080000 ? IEC: 2005 certificate and also the 1st in IT industry to receive this certificate. 3. March 2006---Pass ISO 14001: 2004 conversion audit4. Feb, 2006---Pass ISO 13485: 2003 certification audit
5. Jan, 2004---Pass ISO 14001: 1996 certification audit 1. Establishment, implementation and maintenance of QMS (ISO9001: 2000) and EMS (ISO14001: 1996)2. Periodic internal audit and management review3. Customer survey/audit and C/A follow up4. Sub-contractor audit and assessment5. Document 6. Equipment calibration7. UL spot-check8. Third party audit and C/A follow up 6. Phase in and implement NWQS successfully for Nypro (Shenzhen)http://www.auslandschweizer.ch
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