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Public liability insurance for self employed? ~ Video

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Self-Employment Tax Software – QuickBooks Self-Employed

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    • Send and track simple invoices
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  • Maximize your Schedule C

    Business expenses are automatically assigned to Schedule C categories in preparation for IRS reporting. If an assigned category doesn’t make sense, you can easily select a different category and even define a rule to handle similar transactions in the same way.

    deductions

  • Quarterly estimated taxes

    Self-employed individuals generally have to make estimated tax payments on a quarterly basis if you expect to owe tax of $1,000 or more. QuickBooks Self-Employed takes into account various factors to calculate the quarterly estimated tax you owe so there’s no surprise at year-end tax time!

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  • Free internet business opportunities #free #internet #business #opportunities, #free #education #unschool #homeschool #self #directed #learning #lifelong #free #online #


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    This free-education website was launched in late 1997. It was clearly a pioneering effort to bring free online courses and other learning resources to a global audience. But now it is time to expand the mission to include resources specially selected and presented for the new wave of self-directed lifelong learners.

    Since we can’t know what knowledge will be most needed in the future, it is senseless to try to teach it in advance. Instead, we should try to turn out people who love learning so much and learn so well that they will be able to learn whatever must be learned. — John Holt, Educator

    Here you can browse the complete list of lifelong learning topics that are currently available through Free-Ed.Net. Yes, it is a very long list; and, yes, you will have to browse the entire list until you find a topic that interests you at this moment; and yes, it is constantly evolving as Free-Ed.Net grows and evolves with the times.

    Who knows? You might accidently discover something that boosts your level of insight and excitement about learning some new stuff that might change your life for the better!.

    • Visual Arts and Design
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    Nick Catone MMA – Fitness #nick #catone, #mma, #fitness, #bjj, #brazilian #jiu #jitsu, #brick #new #jersey, #nj, #hot #yoga, #cross #training, #muay #thai, #boxing, #kickboxing, #grappling, #self #defense


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    Nick Catone MMA Martial Arts Fitness

    NCMMA is an 8,000 square foot State-Of-The-Art training facility located in Bricktown NJ offering something for everyone. Nick Catone MMA is a Ricardo Almeida / Renzo Gracie affiliate school that offers classes in Brazilian Jiu Jitsu (BJJ), Boxing, Muay Thai, Cross-Training, Cardio Kickboxing, MMA, and Submission Grappling (No-Gi). for men, women teens. We also offer Kids Jiu Jitsu Muay Thai Kickboxing programs! Our BRAND NEW facility has 4 training areas, 3500 square foot of Dollumar Mats, 25 heavy bags, Turf Fitness Area with a Rogue Rack, 30ft Professional Octagon, a Professional Boxing Ring, and more.

    Nick earned a wrestling scholarship after his standout wrestling career at Brick Memorial High School and graduated from Rider University in Lawrenceville, NJ in 2004 with a degree in Psychology. He had over 100 career Division I wins, was a 2x conference champ, and was voted Male Athlete of the Year his senior year while competing at Rider. Since graduating Nick has earned his Brazilian Jiu-Jitsu Black Belt under the guidance of legendary 4th degree BJJ black belt and UFC veteran, Ricardo Almeida. Nick has had 14 Professional fights in his MMA career, 8 of those fights were with the UFC, the biggest MMA organization in the world before deciding to retire in April of 2015 at the age of 33. Nick walked away from the sport on a high note with a win over Tom Watson at UFC 169 in front of his home state at the Prudential Center in Newark, NJ, and now focuses on running his fast growing gym located in his home town.

    The instructor s goals at NCMMA are to help each student reach all of their desired fitness goals no matter how much or how little experience they may have and Nick has brought in some of the top instructors around to help him instruct at the academy. Some of the names include NJ Hall of Fame Boxer Frank Savannah, UFC Lightweight Frankie Perez, #9 Ranked UFC Light Heavyweight Corey Anderson, CFFC Flyweight Champion 1st Degree BJJ Black Belt Sean Santella, BJJ Black Belt Claudio Ledesma to name some of our elite staff. You will also see many of Nick s teammates training at the facility on a weekly basis. UFC stars Frankie Edgar, Edson Barboza, Eddie Alvarez, Paul Felder, and WSOF champ Marlon Moraes all are seen regularly training at NCMMA along with many other top fighters from around the world.

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    Divorce lawyer long beach ca #self #help, #ca #divorce #forms, #divorce, #divorce #forms, #divorce #lawyer, #no #fault #divorce, #divorce #mediators, #divorce #resources, #grounds #for #divorce, #legal #separation, #summary #dissolution, #california


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    Basics

    There are 3 main ways to end a marriage or registered domestic partnership in California: divorce, legal separation, and annulment. It is not necessary for both spouses or domestic partners to agree to end the marriage. Either spouse or partner can decide to end the marriage, and the other spouse/partner, even if he or she does not want to get a divorce, cannot stop the process by refusing to participate in the case. If a spouse or domestic partner does not participate in the divorce case, the other spouse/partner will still be able to get a “default” judgment and the divorce will go through.

    California is a “no fault” divorce state, which means that the spouse or domestic partner that is asking for the divorce does not have to prove that the other spouse or domestic partner did something wrong. To get a no fault divorce, 1 spouse or domestic partner has to state that the couple cannot get along. Legally, this is called “irreconcilable differences.”

    After you decide how you want to end your marriage or domestic partnership, you need to plan your case ahead of time. Think about how you are going to handle your case. Planning before you start and talking to a lawyer can save you time and money as you go through the court process. And keep in mind that, normally, it does not matter who is the first to file the divorce or separation case. The court does not give any preference to the first person to file or a disadvantage to the person who responds to the case.

    If you want to end a registered domestic partnership, domestic partners must also file for dissolution (divorce), legal separation, or annulment to end their relationship. There is a limited exception where domestic partners can end their relationship in a summary process through the Secretary of State if they have been registered for less than five years and they have no children, no real property, very few assets or debts, and a written agreement on dividing their property, in addition to other restrictions. Click to learn more about this shorter process to see if you are eligible to end your domestic partnership that way.

    Federal law does not recognize domestic partnerships for most purposes, such as Medicare, immigration law, veterans’ benefits, and federal tax laws. Domestic partners may be recognized for some federal purposes, such as Social Security. In addition, domestic partners may not have the same rights if they leave California because other states may not recognize domestic partnerships. Talk to a lawyer if you are ending a domestic partnership and any of these issues may apply to you. You may also want to talk to an accountant who is knowledgeable about these issues. Click for help finding a lawyer .

    The family law facilitator or self-help center in your court may be able to help you with the divorce or legal separation process and help you understand what your options are, decide what you want to do, and get started with your paperwork. You can also talk to a lawyer to get legal advice.

    IMPORTANT! If you are worried about how a divorce or legal separation will affect your immigration status, talk to an immigration lawyer or a family law lawyer with a lot of experience with immigration issues. Immigration law can be very complicated, especially as it relates to divorce. Click for help finding a lawyer .

    If there is domestic violence in your relationship, make sure you are safe and protected while you go through this court process. Read the domestic violence section of this website for more information. Or call 1-800-799-7233 (TDD: 1-800-787-3224) to find a domestic violence agency in your county.



    Psychology Free Online Medical Advice, Mental Health, Anxiety, Relationship Advice #child #abuse, #borderline #personality #disorder, #manic #information #on #depression, #relationship #advice, #stress #post #traumatic #stress #disorder, #anxiety #attacks, #self #help, #symptoms #of #depression, #bipolar #depression


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    Psychology Free Online Medical Advice

    We comply with the HONcode standard for trustworthy health
    information:
    verify here. HON evaluates the quality and trustworthiness of medical web sites, and the logo to the left shows that HON has approved Web4Health.

    Disclaimer: The documents contained in this web site are presented for information purposes only. The material is in no way intended to replace professional medical care or attention by a qualified psychiatrist or psychotherapist. The material in this web site cannot and should not be used as a basis for diagnosis or choice of treatment. If you find something which should be corrected, please write to

    Copyright Web4Health 2003-2017 Stockholm (Sweden), L neburg (Germany), Ioannina (Greece), Goes (Netherlands), Rimini (Italy)

    The aim of Web4Health is to give good and useful free medical advice, help and self help in the areas of mental health, psychology, personality disorders, relationships, stress, anxiety, depression, emotional abuse, substance abuse, sexual abuse, types of mental illness, etc.

    Below is an example from our data base. This example will be automatically replaced about twice an hour.

    Medicines against Compulsive Gambling / Gambling Addiction

    Written by: Martin Winkler

    First version: 22 Jul 2008. Latest revision: 22 Jul 2008.

    Are there medicines against gambling addiction? Is Naltrexone useful for the treatment of compulsive gambling?

    I found an article abstract in the biggest international database Medline concering this topic by JE Grant and SW KIM.

    Ann Clin Psychiatry 2002 Sep;14(3):155-61 Effectiveness of pharmacotherapy for pathological gambling: a chart review.

    Grant JE, Kim SW.

    Although pathological gambling is a relatively common disorder, there exists only limited information regarding the effectiveness of pharmacotherapy for this illness. This study examines which medications may be effective, dose and duration of medication trials needed to achieve response, and possible predictors of response. Using a chart review, 50 adult outpatients with DSM-IV pathological gambling treated in clinical practice were assessed regarding response to a variety of medications, including augmentation strategies, and response to concomitant psychotherapy. All subjects received pharmacotherapy for gambling symptoms. Thirty-nine (78%) achieved response to medication treatment. Mean duration of treatment needed for response was 104.9 +/- 85.0 days. Of those treated with an adequate trial of naltrexone as monotherapy, 90.9% were responders, whereas only 45.5% of those treated with an adequate trial of an SSRI achieved response. Patients with poorer social and occupational functioning due to urges and thoughts about gambling were less likely to respond to medication. These findings from a clinical setting suggest that a majority of pathological gamblers improve with medication treatment. Naltrexone, or augmentation of naltrexone with an SSRI, appears to be most effective in relieving gambling symptoms.



    Storage Insurance: Do you need to protect your storage unit? #storage #insurance, #self #storage #association, #property #casualty #insurers #association #of #america


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    Storage Insurance: Do you need to protect your storage unit?

    Mark Henricks

    Self-storage is one of the fastest-growing industries around, expanding from 6,600 facilities in 1984 to over 48,500 in 2014, according to the Self Storage Association. And as the number of mini-warehouses has grown, so has the chance something bad could happen to all the sofas, appliances and other items inside.

    Many people renting storage units wrongly think the storage facility’s property insurance coverage will protect their stored items, said Scott Willson, director of insurance programs for Phoenix-based U-Haul International, one of the largest self-storage operators.

    However, a storage facility’s property insurance provides protection for the building that houses the storage units, not the contents of individual mini-warehouses. “It’s only going to replace the building in case of fire or something,” Willson says. “It doesn’t cover their goods.”

    Home insurance may offer storage tenants some protection. The most common standard home insurance policy covers personal property “anywhere in the world,” said Donald Griffin, vice president of personal lines at the Property Casualty Insurers Association of America, a trade association.

    Off-premises home insurance coverage has a limit of $1,000 or 10 percent of the policy’s personal property limit, whichever is greater. That means if the personal property limit is $100,000, up to $10,000 worth of property in a storage unit could be covered.

    Policy terms and limits vary, so your homeowner’s insurance may not cover the contents of your storage unit.

    How to get storage insurance

    Storage insurance protects against loss of the contents of self-storage units. That means if the facility burns down and the items a tenant stored there are destroyed, the insurance policy would pay to compensate for what was lost.

    Storage insurance premiums start as low as $7 per month for $1,000 worth of coverage. Some policies can cover up to $75,000 for a couple of hundred dollars a month. Fewer than half of storage tenants get storage insurance, says Doug Bell, president of Repwest Insurance, which provides U-Haul’s storage insurance. This is partly because not everybody needs it, such as people that have a home insurance policy that covers off-premises property.

    Many storage policies reimburse only for an item’s cash value at the time of loss, which may be less than it costs to replace. Policies typically cover lightning, vandalism, wind, tornado, hurricane, fire, smoke, hail, explosion, plumbing leaks and burglary,

    However, there are coverage exceptions:

    1. Floods. Riders may be available from some companies to cover some risks that aren’t normally covered, including limited coverage for flood damage.

    2. Missing items. The fine print of a storage policy says coverage only applies to burglaries when there is evidence of forced entry and a police report is filed. If an item goes missing from your storage unit, it’s considered a “mysterious disappearance” and isn’t covered.

    3. Damage from insects, rodents and other vermin. These exclusions are similar to homeowner’s and renter’s policies, except homeowner’s and renter’s insurance typically don’t cover earthquake damage. says Loretta Worters, spokeswoman for the nonprofit Insurance Information Institute.

    4. Expensive items like jewelry and art. Storage policies may not cover everything in your unit. Exclusions usually include jewelry, art, furs, collectibles as well as cash, deeds, securities and other documents. Unlike home insurance, that may let policyholders purchase riders to cover normally excluded items, buyers of storage insurance policies usually can’t get riders to protect such items.

    5. Motor vehicles. Doug Bell, president of Repwest Insurance, which provides U-Haul’s storage insurance, recommends tenants have conventional auto insurance for stored vehicles. However, some storage insurance carriers, such as Phoenix-based MiniCo, do cover vehicles.

    Most tenants buy policies through the facility operator when renting the unit. Worters says many operators won’t rent out a storage unit unless the tenant gets storage insurance first, either from the facility or a third party. Tenants can also prove their goods are insured throughhomeowner’s or renter’s insurance.

    Also, facility operators are not insurance agents, Willson notes. He recommends tenants talk with their insurance agent before purchasing a policy.

    Third-party policies are available online and it pays to shop around, especially for special protection such as vehicle coverage. Other than that, options for saving money generally are limited to reducing coverage amounts or changing special coverage, such as for vehicles.

    Bell cautions tenants not to try to save money by putting more goods into a unit than their policy limit will cover. If a tenant has more than $15,000 in property, the maximum U-Haul will insure, he recommends renting two smaller units to stay under the cap.

    Worters offers another storage tip: Keep jewelry in a bank safe deposit box rather than a storage unit. It’s safer, and homeowner’s policies may offer discounts on valuables kept in safe deposit boxes, she says.

    Changes to storage insurance

    Storage insurance is evolving with the times. U-Haul, for example, is adding vermin coverage. They’ve also recently begun letting policyholders file claims with smartphones. Claim filers using phones will see a website optimized for small phone screens. They also can upload photos taken with their phones’ built-in cameras.

    Worters also recommends that tenants make a video or photo inventory. “If your property is stolen or damaged, an inventory can help speed the claims process and substantiate your loss,” Worters says. “It will also help you determine how much insurance to buy to adequately protect your possessions.”

    See how much you could save today on your home insurance. Get your free home insurance quotes today!



    How to Calculate Self Employment Tax #self #employment #income #tax #calculator


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    Did you recently start your own business and you need to learn how to calculate your self employment tax to file your tax return before the tax deadline ?

    If you are an individual who is self employed, you have many advantages over people who are employed by companies. Of course, you get to set your own hours and rates, which is something many other employees cannot do.

    However, at the same time, you are required to pay your own self employment taxes, which can be somewhat complicated if you have never done so before. But don t worry; once you walk through it, it s pretty painless. Let s walk through how to calculate self employment tax.

    What are Self Employment Taxes?

    People who are self-employed differ from those employed by an outside company in that they do not have a portion of their salary deducted from their pay. Therefore, there is no withholding of money toward taxes or for Social Security or Medicare. If you work for an outside company, the company pays half and the individual pays half of the Social Security and Medicare taxes. However, when you are self-employed, you must pay the entire amount of Social Security and Medicare taxes yourself. This is known as self-employment tax.

    Self employment tax is separate from and in addition to state and federal income tax rates. Self-employment tax must be paid in addition to your regular income taxes. Self employment tax is applicable at any age, and you are still responsible for paying self employment tax, even if you are already receiving Social Security benefits or if you are a minor .

    Self Employment Tax Rate

    The self employment tax rate for 2016 is 15.3%. (12.4% for Social Security tax and 2.9% for Medicare tax). Since 2013 there is also an additional 0.9% Medicare Surtax that applies to earnings over the threshold for high earners.

    How to Calculate Self Employment Tax

    Calculating your self-employment tax is not as difficult as it may seem. Once your net earnings from self-employment are at least $400 (or church employee income of at least $108.28), you are responsible for paying self-employment taxes and filing a tax return. Here is how to calculate the self employment tax:

    1. Determine your net income. The net income for your business is income minus any of your expenses related to your work. For instance, if you have purchased a laptop and printer for your business, you are entitled to tally up the costs of them and other work related expenses and deduct them from your income. For a list of common expenses see Tax Deductions for the Self Employed .
    2. Calculate Net Earnings from Self Employment. To do this, multiply the net income by 92.35 percent.
    3. Calculate Self Employment Tax. Next, for any income less than the social security wage base (2015 and 2016: $118,500) multiply the amount by 15.3%. For any amount over the wage base, multiply by 2.9%. Add the two figures together to arrive at your self employment tax.

    Self Employment Tax Calculator

    If you don t want to calculate your self employment tax by hand, you can use the tax calculator to calculate it automatically. In addition, if you are using tax software like TurboTax. the software will also calculate your self employment tax automatically.

    Self Employment Tax Form to Use

    When you are ready to file your taxes, you will need the Schedule SE for self-employment taxes. The self employment tax form is in addition to your regular Form 1040 and business Schedule C for profit or loss; they are all due on the same tax deadline .

    Self Employment Tax Deduction

    In addition to paying the self employment tax, you also get a personal tax deduction for paying it! You can deduct half of the self employment tax, which will lower your adjusted gross income. and lower your income tax.

    More Self Employed Topics



    Binge-eating disorder: What s the best treatment? #health #professionals, #monitor #on #psychology,,binge #eating #disorder, #treatment, #obesity, #depression, #personality #disorders, #self #esteem, #anxiety, #psychopathology, #clinicians,,anxiety, #depression, #eating #disorders, #obesity,


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    Binge-eating disorder: What’s the best treatment?

    Perhaps the greatest controversy in the field of eating-disorder treatment is the debate over how to treat binge-eating disorder. The condition–currently a provisional category in the Diagnostic and Statistical Manual–is marked by recurrent binge-eating without purging and is typically seen in people who are obese.

    Like people with bulimia nervosa, those with binge-eating disorder carry distorted attitudes about eating, shape and weight, as well as mood symptoms such as depression and personality disorders. The disorder affects about 2 percent of the general population and 8 percent of people who are obese.

    Because binge-eating disorder involves both weight and eating-disorder concerns, researchers in both the obesity and eating-disorders fields perceive treatment goals through the lens of their own training. On one side of the debate, eating-disorders experts believe binge-eating is best treated by traditional eating-disorder approaches, such as helping patients reduce or eliminate bingeing, improving their self-esteem and body acceptance, and treating underlying psychological problems such as depression and anxiety.

    On the other side, obesity experts maintain, it’s better to treat the obesity first. They believe that tackling psychological problems without addressing excess weight puts the cart before the horse.

    “Public health experts who deal with obesity would say, ‘If you’re not treating the weight, it’s like helping someone get rid of a hangnail and leaving the cancer,'” says Kelly Brownell, PhD, a psychologist who heads the Yale Center for Eating and Weight Disorders and treats people with binge-eating disorder and obesity. “Binge-eating itself is not of public health significance–eliminating it does not address all of the potential long-term sequelae of obesity such as hypertension, stroke and heart attack.”

    Because the disorder is multifaceted, there are numerous tacks to treat it, believes Columbia University psychiatrist B. Timothy Walsh, MD, who chaired the DSM-IV working group on eating disorders. For example, the literature shows that cognitive behavioral therapy is useful for depression and bulimia, that interpersonal therapy aids depression, and that behavioral weight-loss management can help treat obesity.

    “There’s a lot going on when you’re trying to look at the utility of these interventions,” Walsh says. “For many people with binge-eating disorder, you can think of at least three potential targets, and it’s not clear whether you should aim at all of them at the same time.”

    Managed care can make matters worse, he says, because it may only pay for one approach when more may well be needed.

    WHAT SHOULD TREATMENT TARGET?

    Clinicians who treat binge-eating disorder as an eating disorder say that addressing the specific and general psychopathology that underlies the condition eliminates binge-eating and helps patients feel better about themselves. Treatments that fall into this camp include cognitive behavioral therapy, which addresses a person’s thoughts and behaviors about eating and self-image, and interpersonal psychotherapy, which helps a person face and heal rifts in current relationships.

    As an example of the effectiveness of interpersonal therapy in treating binge-eating disorder, Denise Wilfley, PhD, a binge-eating disorder expert at San Diego State University, describes a woman she helped using this treatment: The woman had been living in another country, and once she returned to the United States, lost all of her social support. She began to binge-eat, and in addition, developed major conflicts with her son, which added to her level of distress.

    Treatment helped the woman address her relationship difficulties with her son and build her social network, both hallmarks of the interpersonal approach. The woman’s depression gradually vanished, and at the one-year follow-up, she continued to be binge-free. But treating personal problems is not the only thing these therapies can do, Wilfley maintains. They can also have a positive effect on the very thing obesity experts bark about: clients’ weight.

    In a study now in press in the Archives of General Psychiatry. Wilfley shows how this might come about. The study, the largest on binge-eating disorder to date, compares outcomes of 162 overweight binge-eating disorder patients. Half received group cognitive behavioral therapy and half received interpersonal therapy. Both therapies showed high long-term success in reducing binge-eating and treating a range of psychological problems.

    And for 25 percent of the sample, the therapies also helped reduce weight: Participants who abstained from binge-eating at post-treatment and maintained abstinence at a one-year follow-up lost weight, while those who continued to binge-eat gained weight.

    The pattern provides a clue for further interventions, Wilfley believes. “If we help people eliminate binge-eating patterns, it should have an impact on body weight,” she notes.

    Researchers who are more concerned with obesity, however, argue it’s not enough to make weight loss a side issue that may or may not get addressed. The way to go, they believe, is behavioral weight loss, which is usually less expensive, shorter in duration and directly targets obesity.

    These researchers make a mirror argument to Wilfley’s comments about eating-disorder treatments.

    “People who use behavioral weight-loss treatments say that it does eliminate binge-eating–and there is some evidence for this,” says G. Terence Wilson, PhD, a psychologist at Rutgers University who was a member of the DSM-IV working group on eating disorders.

    It’s also true, however, that many obesity treatments don’t hold up in the long run.

    “There is really no good treatment for obesity,” maintains Christopher Fairburn, MD, a psychiatrist and eating disorders expert at the University of Oxford. “Surgery is possibly the best, but it’s pretty radical. Drug treatments help about 5 percent of people, but you have to keep taking them indefinitely. And behavioral therapies. everyone relapses,” he says. “The psychology of it is very interesting,” Fairburn adds. “Losing weight is quite easy. But people can only keep it up for a while, then they tend to just throw in the towel.”

    But Brownell counters that some programs do work, especially if they include a strong weight-maintenance component. “The estimates are far too pessimistic on weight loss,” he argues.

    A CLINICALLY TROUBLED SUBGROUP

    There’s yet another wrinkle in the binge-eating disorder debate: Researchers and clinicians are starting to discover that there are probably two groups of binge-eating disorder patients, one that has disordered eating and obesity but less serious psychological problems; another that displays those same eating disturbances but has more long-term, entrenched psychological difficulties.

    A recent study by Yale University psychologist Carlos Grilo, PhD, and colleagues confirms the existence of such a group. In the December 2001 issue of the Journal of Consulting and Clinical Psychology dvtsbxvq (Vol. 69, No. 6), he and colleagues report that about a third of the 101 binge-eating disorder patients in the study–those who generally showed greater negative affect–also demonstrated more severe eating-related psychopathology and had greater psychological disturbances than the rest of the group. That effect held up over time, Grilo notes in the article, adding to the probability that this is a bona-fide subtype of the disorder.

    “There may well be subgroups of patients with high rates of depression and low self-esteem who need specialized treatment,” says Wilson. “Others who don’t have that degree of pathology might just need behavioral weight loss treatment.”

    BEST OF BOTH WORLDS?

    Meanwhile, some researchers are looking at ways to develop a treatment approach that includes both weight-loss and psychological components.

    Research conducted by Stanford University psychiatrist Stewart Agras, MD, for example, shows this may be possible. In a 1997 study reported in the Journal of Consulting and Clinical Psychology (Vol. 65, p. 343-347), he found that people who abstained from binge-eating following specialty eating-disorder treatment were significantly more likely to benefit from weight-loss treatment in both the short and long run.

    Some of the questions troubling the field may be addressed in a study planned by Wilfley, Agras and Wilson. Now submitted as a grant proposal to the National Institute on Mental Health, the study plans to compare the effects of three divergent treatments that represent the field’s areas of controversy: interpersonal psychotherapy, behavioral weight-loss treatment and a guided self-help intervention developed by Fairburn that’s intended to provide a credible, inexpensive treatment alternative. Besides looking at binge-eating and body weight, the study will compare how the treatments affect the subgroup of binge-eating disorder patients with high negative affect noted in Grilo’s study.

    The debates in the field may simmer down once more data are in, Wilfley comments.

    “We’re a very young area,” she says. “We need the next generation of research to help answer some of the questions that are plaguing our field.”

    Tori DeAngelis is a writer in Syracuse, N.Y.



    Jail Commissary Kiosks and Inmate Commissary Kiosks – EZ Money Load Self Service Commissary Kiosk #loans #for #small #business


    #ez loan
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    EZ Money Load

    Just a few of the benefits of the EZ Money Load Kiosk

    • Self service kiosk in lobby and booking room
    • Zero cost to the jail facility
    • Use our secure website to load money from home
    • Kiosk accepts cash, debit or credit cards
    • Instant online reporting
    • Saves the jail time and money
    • Contact us to learn more

    Load inmate funds with cash or credit from our self service kiosk or online from our website

    EZ Card Kiosk (with zero cost to the jail) will install a self service kiosk in the lobby and booking department of your jail. Upon visiting a jail, family members can replenish an inmate’s account by utilizing one of our EZ Money Load self service kiosks available in your jail lobby or use our secure website to do the same from the comfort of their own home.

    Our self service EZ Money Load kiosks allow funds to be loaded to the inmate’s account using a credit card or cash. In many jails a family member can only use cash or a money order that must be handled and accounted for by a jail staff person. Our self service kiosk counts and vaults the cash for you so you don’t have to.

    When the credit card is authorized or the cash has been inserted the kiosk will print a wallet sized receipt as proof of the money load transaction. The jail can use the real-time reports on our website to verify the money load transaction. EZ Card Kiosk guarantees those funds as soon as they appear on our real-time report.

    Receipts can be reprinted from our website by the jail at a later date. In the case of an online money load from our website a copy of the receipt will be automatically emailed to the customer’s supplied email address.

    The only requirements to a jail wanting to use our self service kiosk is a high-speed internet line (cable or DSL) and an electrical outlet.

    EZ Card Kiosk 2015



    Low Doc Loans – Self Employed Home Loans – Red Rock Mortgages #loan #companies #for #bad #credit


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    Low Doc Loans

    If you’re interested in seeing what kind of mortgages are available for self employed individuals, one option to consider is called a low documentation loan – also known as a low doc loan.

    These are a simple type of loan for people who have an income and assets, but are unable to provide the required financial statements or tax returns. The basis of these loans is rooted in the applicant declaring their own income derived from their business, making these products the perfect option for people looking for self employed home loans.

    The application process is different for low doc home loans due to the lack of normal documents being provided. If your self-employed you will be asked to supply either a letter from your accountant, a bank statement showing your business income and expenses or a business activity statement (BAS) as evidence of a reliable income.

    We specialise in helping self employed people secure cost effective low doc home loans for personal or investment purposes. We offer a wide range of products, providing solutions for all different walks of life – including low doc home loans worth up to 85 per cent of your property’s value with a choice of flexible supporting documents.

    Our market leading self employed home loans are highly popular amongst business people seeking a flexible and fuss-free mortgage option. At Red Rock we have been obtaining low doc loan approvals for self employed business owners for almost 10 years. We have access to a wide selection of low doc home loans that can accommodate a wide range of purposes and preferred supporting document criteria. Below is a table of our most popular residentially secured loan products, each with different features and benefits. For commercially secured low doc loan products see our low doc commercial loans .



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    RBA Cash rate changes in past 5 years:

    What is best fixed rate home loan ?

    Bank offer very lower rate on introductory interest rate to sign up new clients to their home loans. But if client does not have any historical record about their usual interest rates, that means they are signing up for something very expensive without any prior knowledge.

    To select the best fixed rate home loan, we need to understand the current market situation in term of reserve bank cash rate. If the cash rate is at usual state, or lower than usual state, it means it is risk free to take a fixed rate home loan. Some times when the cash rate remains too low, at that period of time variable rates from banks become lower than previous years fixed rate, or a fixed rate from year before. As a result it is lower in risk factors to take home loan at maximum of 3 years fixed rate. In most cases difference between total savings in 3 years on interest from a 3 years fixed rate home loan with total savings on interest from a 5 years fixed rate home loan is insignificant.

    Considering above it is lower in risk to have maximum 3 years fixed rate home loan to have best benefit on interest. And it is better not to have a fixed rate home loan when cash rate is at pick stage and it is obvious the cash rate will be reduced by next year or so.

    Click here to find current home loan interest rate offers.

    What portion of home loan should be on 3 years fixed rate home loan ?



    Jail Commissary Kiosks and Inmate Commissary Kiosks – EZ Money Load Self Service Commissary Kiosk


    #ez loan
    #

    EZ Money Load

    Just a few of the benefits of the EZ Money Load Kiosk

    • Self service kiosk in lobby and booking room
    • Zero cost to the jail facility
    • Use our secure website to load money from home
    • Kiosk accepts cash, debit or credit cards
    • Instant online reporting
    • Saves the jail time and money
    • Contact us to learn more

    Load inmate funds with cash or credit from our self service kiosk or online from our website

    EZ Card Kiosk (with zero cost to the jail) will install a self service kiosk in the lobby and booking department of your jail. Upon visiting a jail, family members can replenish an inmate’s account by utilizing one of our EZ Money Load self service kiosks available in your jail lobby or use our secure website to do the same from the comfort of their own home.

    Our self service EZ Money Load kiosks allow funds to be loaded to the inmate’s account using a credit card or cash. In many jails a family member can only use cash or a money order that must be handled and accounted for by a jail staff person. Our self service kiosk counts and vaults the cash for you so you don’t have to.

    When the credit card is authorized or the cash has been inserted the kiosk will print a wallet sized receipt as proof of the money load transaction. The jail can use the real-time reports on our website to verify the money load transaction. EZ Card Kiosk guarantees those funds as soon as they appear on our real-time report.

    Receipts can be reprinted from our website by the jail at a later date. In the case of an online money load from our website a copy of the receipt will be automatically emailed to the customer’s supplied email address.

    The only requirements to a jail wanting to use our self service kiosk is a high-speed internet line (cable or DSL) and an electrical outlet.

    EZ Card Kiosk 2015