Learn How to Add Employees to QuickBooks Enhanced Payroll Procedures

Learn How to Add Employees to QuickBooks Enhanced Payroll Procedures

Managing books in business has never been an easy task before the Intuit QuickBooks launch. Now everything in the business book has been simplified using advanced tools and accounting services. The enhanced Payroll service in QuickBooks is one of the wonders, which has been an advantage for small and medium sized businesses.
Once you start your business and apply QuickBooks as a single accounting tool to manage your business account, you now need to make sure payments to your employees are processed correctly in time. In addition, you must also ensure that state and state payroll taxes are also calculated accurately and paid before the due date. All of these compliance may be confusing and takes a long time, but you do not have to worry because QuickBooks payroll service has been made in earnest to meet these compliance and needs with accuracy within the set time limit. Learn How to Add Employees to QuickBooks Enhanced Payroll Procedures

To achieve these important things, you need to add your employees to Enhanced Payroll so that everything runs automatically. With the proper implementation of the payroll feature, you can save time, avoid fines (whatever is required due to a late tax break), and provide other important things.

Let’s learn how to add your employees to the Enhanced Payroll service without technical obstacles. But before we get to the technical step, let’s check if Enhanced Payroll really can make a change.

What are the benefits of Enhanced Payroll?

If you benefit and benefit from Enhanced Payroll, you’ll learn about three important things you can do with the Enhanced QuickBooks payroll service.

Paying employees
Pay Federal and state payroll taxes
Payroll tax file form
In addition to these three basic things, there are some other important tasks you should provide. And if you go manually, then the possibility of inaccuracies in the data file could be greater. Although no technical hurdles are as difficult as you fear, you can always have direct access to experienced professionals to get QuickBooks Payroll Intake Support in real-time Here are some other important benefits:
Free direct deposit
Create a W-2 shape
Both federal and state tax forms are filled in automatically
Allow users to work on pay with or without QuickBooks
Email reminders for taxes and forms
Calculate taxes automatically and accurately
Now comes to adding employees to the payroll mechanism. Although the process runs in a simple and easy way, you must have direct access to the reliable Intuit QuickBooks Payroll Help Service at all times. If you need an instant solution (if there are technical constraints), then approaching an independent technician would be a better option to get everything done.
Add your employees:

You can start the process by going through Employee> Employee> Center, and pressing the New Employee option in the Employee Center. This opens a new tab that requires you to fill your employee details step by step.

To mention every detail about employees, you must complete the personal tab. Each tab and box is clear and easy – just follow the steps and have all your employees added.

On the other hand, click the Address and Contacts tab to provide a mailing address to your employees. On other tabs, you can also add employee bank account details if for direct deposit.

Add salary and tax information:

To determine employee salary and tax compliance, you can click Payroll Info. This opens a drop-down menu where you can set up regular salary details. In the same drop-down list, you’ll see the Pay Frequency option, which you can use to determine the period and frequency of pay to your employees.

Add more information related to your employees:

In addition to this information, you can also use the Enhanced Payroll service to gather more additional information in the same window. On the Job Info tab, you’ll see a box asking you to provide a join date, fire date, and other similar details.

So here’s how you can add your employee information to your Enhanced QuickBooks payroll mechanism accurately. It is quite simple – as you also experience now after going through details – however, you should be prepared for any kind of technical hurdles that may occur. Keep in touch with the support provider Learn How to Add Employees to QuickBooks Enhanced Payroll Procedures

Are Nitrates in Your Food Bad For You?

 

It seems every week there is a new food problem that people worry about. One minute experts warn people about high fructose corn syrup, and then they talk about the dangers of fat in the diet.

Recently more and more people are concerned about nitrate in food. Some people may think that nitrate concerns in food are relatively new, but the debate about its presence in consumables has been around since the 1970s.

Before you can understand the recent nitrate controversy, you need to take a quick science lesson.

Difference between nitrite and nitrate.
Some people use the words of nitrite and nitrate alternately, but they are different compounds.

Both nitrite and nitrate are naturally inorganic compounds composed of nitrogen and oxygen. The main difference is that nitrate has three oxygen molecules, and nitrite has only two oxygen molecules.

Nitrate is so common that it is found naturally in soil, water, and air. They are also very versatile compounds.

Nitrates are used in a variety of foods. They can be used to dye food, and are widely used to preserve meat and dairy products that are cured.

They are also used for industrial purposes. You can find nitrates in explosives, fertilizers, and even some types of enamel glass.

Not infrequently certain compounds used for human consumption and industrial purposes. But there is something about nitrate and nitrite that makes them dangerous.

A volatile reaction
Nitrates do not pose much health risk to animals, that’s when they are converted to nitrites so that everything changes.

Nitrate is a stable compound, nitrite is not. Once the nitrate is converted to nitrite, it can turn into nitric oxide or nitrosamine. Both forms of nitrite have carcinogenic properties and are associated with many other health problems.

Nitrosamines only form in certain environments, they must be near amino acids and in high heat. Unfortunately, many popular cured meats are cooked under these conditions.

Since nitrate in food is a controversial topic, some people may wonder how something that is harmful to humans can be safely processed.

If you want to understand the use of nitrates in rampant foods, you need to think about one of America’s most popular foods.

Consider a hot dog
Like many nutritious nitrate foods, hot dogs are typical American food. They are very popular, easy to prepare, and cheap to produce and buy. You’ll find it at almost every sporting event or BBQ, and cut almost every child’s plate.

Despite the popularity of hot dogs, this is one of the worst foods you can incorporate into your body.

If you want an example of unhealthy nitrate levels in the diet, look no further than hot dogs.

Nitrates are an important part of the average hot dog. Unlike some meats, it is very difficult to treat them without the use of nitrates.

There is nothing wrong with the hot dog itself. Anyway, it’s just meat and bread.

The real problem is the way they are processed with nitrate.

Nitrates allow hot dog meat to keep its pink color and prevent it from spoiling too quickly. Without nitrate, it is impossible to process and deliver it as our community does.

Nitrate in food is normal new
Nitrates have become an important part of the preservation process, and effect most of their meat the way they do hot dogs. Nitrate is also very cheap. Using them is the easiest way to keep up with the meat demand in the country.

Almost every type of meat you eat, regardless of whether it is cured, has been treated with nitrates. If nitrate is only in one type of food, it will be simple, but everything is in almost everything.

High levels of nitrate can be found in popular fruits and vegetables. Natural nitrate in vegetables does not cause concern, but its synthetic nitrates.

Nitrate is a popular additive in fertilizer. Fruits and vegetables grown in soil containing nitrates can easily take excess compounds.

Nitrate is highly present in food so some companies rely on the use of other additives to deal with the adverse effects.

Many people do not know this, but hot dogs are processed with vitamin C (although most companies will list it as ascorbic acid on the label) as a way to fight strong nitrate.

It may feel comfortable for some companies that are trying to reduce the damage of nitric food. But others who care about their health will want to reduce as much of the nutritious food from food as possible

Do You Really Need Life Insurance

Do You Really Need Life Insurance

You are healthy, not close to your senior years, growing, and playing safely. You may not be wasting your time, so buying life insurance seems silly, or even irresponsible, given the fact that you have more direct investment to pay for it. You need to pay off your car or home, buy groceries, fund your daily needs, and you have all kinds of other insurance payments. You do not need any other bills every month that you do not technically need right now, do you?
In fact, if you are a healthy adult who thinks this way, you see life insurance from the wrong angle. You may or may not need life insurance, but determining whether you should buy life insurance in Greenville, SC is not a simple decision. There are several factors to consider when determining whether you are ready for life insurance or not.

Do You Really Need Life Insurance

What is Life Insurance?

If you feel that life insurance is now of no use in your life, you may need to review or learn what life insurance is like. Basically, life insurance is a contract between you and your insurance company. This contract states that, in the unfortunate and unexpected events of your death, your family will be financially handled. The amount given to your family is determined by the policy and premium you pay for the insurance company.

Is there anyone who depends on you financially?

If you do not have a partner or child who is financially dependent on you, you probably do not need life insurance. As stated above, life insurance policies are meant for the people you leave behind as pillows. This ensures that they are taken care of and will not suffer financially in case of death. If nobody depends on you financially, where will the insurance money go after your death? Bottom line, you will throw money into the hole. Do You Really Need Life Insurance

What If Something Happens to You?

This is not a happy thought, but if you have people who depend on you, you are responsible for considering the possibility that you can drive to work tomorrow and have a fatal car accident. Maybe you have a high-risk job that can bring about a tragic change at any time. To be honest, anyone can die anytime. It is a part of life. Hopefully, nothing fatal happens to you until you die in sleep at age 90; However, there is no guarantee that this will happen. What if not how your story ends?

Since it is possible that your story may end at any time, not only do you have to live life to the fullest and enjoy the essentials, but you must make sure that caring people are taken care of. Death events in the family is quite difficult. Make sure your family does not encounter any financial problems after you leave as well. Life insurance is one way that you can continue to take care of your family even after you no longer live. Do You Really Need Life Insurance

If you are not sure if you really need life insurance, talk to a trustworthy agent about Greenville SC insurance, or wherever you live. Life insurance policies vary among companies, and it’s important to find the right one for you, if you decide it’s time to buy a policy. Even if you are not a work partner, your family can benefit from life insurance. A life insurance policy is an investment for someone you love.

Why MUST have business card

Why MUST have business card

 

A few days ago, two sales representatives from Colonial Life were present as guest speakers in my marketing class. Both share valuable information with our students. Interestingly, none of them majored in marketing and both worked as teachers before becoming salespeople.
While both have good insights and suggestions, I can recall his name to only one of them. John has 206 connections on LinkedIn. He earned a master’s degree in education and specialized teaching. The motto is: Giving honest benefits to honest people. And his last name is Heath. Why MUST have business card

What about other sales representatives? Well, I do not know much about him. I’ll try to find it on LinkedIn. Maybe I can find it by looking at the list of Colonial Life employees at LinkedIn. There are 5,408 employees! I give up.

So how do I find John?

Well, I have his business card.

I did a quick Google search using keywords: john heath colonial life. LinkedIn John’s Profile is the first result.

What I learned from this experience is that business cards are a great marketing tool. I still remember what the two sales representatives said in the class, but only John managed to make his legacy last longer than the class session. Columnist Jonathan Long says: “Business cards are potentially obsolete physical objects your prospects keep your brand with” (2015). Why MUST have business card

Perhaps the key to success in the digital age is a small set of square card stock

Take Security into Your Own Hands and Get a HIPAA Risk Assessment

If the organization handles protected health information, or the IRC, the Department of Health and Human Services requires you to conduct a risk analysis as the first step toward implementing safeguards specified in the HIPAA Security Rule, and ultimately achieving HIPAA compliance.

This includes all HIPAA hosting providers.

But what does a risk analysis entail exactly? And what should be included in your report?

The Health and Human Services Security Standards Guide outlines nine mandatory components of a risk analysis.
Conducting a thorough HIPAA risk assessment is extremely difficult to do yourself, though. You may want to contract with a HIPAA auditor to help you.

Most people simply do not know where to look, or they end up bypassing things because they do not understand data security.

If the risk analysis is foundational to your security, then you do not want to see the key elements in the analysis.

There are nine components that healthcare organizations and healthcare-related organizations that store or transmit electronic protected health information must include in their document:

1. Scope of the Analysis

To identify your scope – in other words, flats within your organization.

This includes all ePHI – portable media, desktops and networks.

There are four main parts to consider when defining your scope.

Where PHI starts or enters your environment.
What happens to it once it’s in your system.
Where PHI leaves your entity.
Where the potential or existing leaks are.
2. Data Collection

Below is a list of places to get you started in the documentation of where PHI enters your environment.

Email: How many computers do you use, and who can log on to each of them?
Texts: How many mobile devices are there, and who theirs?
EHR entries: How many staff members are entering in data?
Faxes: How many fax machines do you have?
USPS: How is incoming mail handled?
New patient papers: How many papers are required to fill out? Do they do this at the front desk? Examination room? Somewhere else?
Business associate communications: How do business associates communicate with you?
Databases: Do you receive marketing databases of potential patients to contact?
It’s not enough to know only where PHI begins. You also need to know where it goes once it enters your environment.

To fully understand what happens to PHI in your environment, you have to record all hardware, software, devices, systems, and data storage locations that touch PHI in any way.

And then what happens when PHI leaves your hands? It is your job to ensure that it is transmitted or destroyed in the most secure way possible.

Once you know all the places where PHI is housed, transmitted, and stored, you’ll be better able to safeguard those vulnerable places.

Identify and Document Potential Vulnerabilities and Threats

Once you know what happens during the PHI lifecycle, it’s time to look for the gaps. These gaps create an environment for unsecured PHI to leak in or outside your environment.

The best way to find all possible leaks is to create a PHI flow diagram that documents all of the information you found above and lays it out in a graphical format.

Looking at a diagram makes it easier to understand PHI trails and to identify and document anticipated vulnerabilities and threats.

A vulnerability is a flaw in components, procedures, design, implementation, or internal controls. Vulnerabilities can be fixed.

Some examples of vulnerabilities:

Website coded incorrectly
No office security policies
Computer screens in view of public patient waiting areas
A threat is the potential for a person or thing to trigger a vulnerability. Most threats remain out of your control to change, but they must be identified in order to assess the risk.

Some examples of threats:

Geological threats, such as landslides, earthquakes, and floods
Hackers downloading malware onto a system
Actions of workforce members or business associates
Again, if you’re above-average in terms of compliance, you may only have a minimum understanding of vulnerabilities and threats. It’s crucial to ask a professional for help with your HIPAA risk assessment.

Assess Current Security Measures

Ask yourself what kind of security you are taking to protect your data.

From a technical perspective, this might include any encryption, two-factor authentication, and other security methods HIPAA hosting provider.

Since you now understand how PHI flows in your organization, and can better understand your scope. With that understanding, you can identify the vulnerabilities, the likelihood of threat occurrence and the risk.

Determine the Likelihood of Threat O

Whatever You Include When It’s Necessary to Learn about Markers

Whatever You Include When It’s Necessary to Learn about Markers

In many ways, markers are generally great purchases. They can be expensive and in addition they can ignite your current attention that will connect you with being confident. However, tip how to find a marker that you will like? Keep reading and you can learn to get it done right.

 

Consider the maturity of this child whenever actually buying a new weapon. Small weapons are usually a threat aimed at very young children who clearly manage everything in their lip area. Make sure the fresh gun tends to stay away from the kids. Weapons that can be designed for older children can certainly infuriate the young. Whatever You Include When It’s Necessary to Learn about Markers

A big gun should be protected in addition to fun. With regards to teenagers, look for weapons that will show all of these safe practices in addition to reliability. You will find firearms that can shoot reliably if the appropriate trigger is usually pushed. Children usually learn to enjoy themselves simultaneously. Learning to play is the leading education and learning. Whatever You Include When It’s Necessary to Learn about Markers

Bring your little teenager to get weapons by providing your used gadget weapons that he can use. Any firearms played along with non-lethal main points are usually a favorite. Your child can easily experience creating goals. A number of gun puppets have a target so your child can certainly shoot smaller items.

Make sure the label is about firearms. Currently, you do not need to find many pistols made with toxic elements like these decades. Although, there is a possibility of a number available. Most of these weapons can harm your children, should he or she swallow some of them.

Bring your sons or daughters together while searching for their own weapons. Unless of course you already know exactly what they really want, predict where the weapons they will enjoy will be beaten and missed. This might make sure they find one thing they can definitely enjoy. Next, make sure you are not wasting your hard-earned money almost the same as a gun that will not be given.

In the case of almost any rifle you purchase for a children’s function using a power pack, make sure you take it out after your adolescence with him. You will be surprised how simple the baby is just to adopt the power supply from a new rifle on a piece or chew it up. It is simply impossible to let them have a chance to achieve this. Whatever You Include When It’s Necessary to Learn about Markers

Find a good gun to give back the procedure. Create an understanding of the type of weapon that will be the same as the teenager. By studying your store’s change coverage, it will save you a lot of trouble.

How To Know When It’s Time To Change Your Ban

Tire kick is not a beautiful sight. If you’re lucky, you’ll just spew the rubber everywhere and fight safely to the curb.

If you are not lucky, you can end up in a bad situation. It’s probably best to know how to handle your car in case of a tire explosion.

But we at Tire Busters to help you avoid this situation by telling you when to change your tires. Because nothing is everlasting. Especially your tires, sad.

What is Tire?
Although tires do not last forever, they are usually made to last long enough.

Depending on how long you have the tires and how many miles you wear, you should tire at least a few years before having to replace them.

But what makes the tires so sturdy? Is not that just rubber and metal? How does your car tire really keep your car floating comfortably over the road?

Your tires are made of several layers.

The inner layer

The first layer on the inside is “Inner Layer.” Before the contemporary tires come, we all use innertubes to inflate our tires. This is the actual rubber tube that is placed around the wheel and then inflated.

Currently, innertubes are used for bicycles or up and down from snowy slopes.

But the inner layer of your tire is there to seal the incoming air.

Karkas Ply

This is your tire bone. They give your tire the power it needs to hold the hard bumps on the road without splitting.

Beads

Your tire beads are there to make a tight seal on your steering wheel. They are stiff and tightly clamped your wheels.

Sidewall

The side wall is your tire shock system. They keep the tires from losing shape.

Crown Plies

Crown plies are the foundation for your footprint. They keep the treads serrated so they can grip the highway as you grind the gears.

Footprint

This is the part of the tire that really keeps you on the road. If this is worn out, you slide it around and spin your wheels.

What Indications Should I Replace My Ban?
You may not always get rid of your tire damage or know when to change your tires. But some of the damage can be very obvious and there are some metrics that can be used when assessing your tires.

Damage

As we pointed out in the section above, your side wall is important in keeping your tires rigid. If there is damage to your side wall, you may need to change your tires.

If you see a bubble on the sidewall of your tire, do not drive your vehicle. Change with backup and take it to your tire specialist. (Ban Busters is a good bet.)

Bubble on your tire means there is serious internal damage to the tire. Its integrity has been compromised. We can not stress enough how important you are not to drive a tire with this kind of damage.

If you see a cut on your side wall, see if it’s deep. If so, bring it in to see. This may not be a problem, but it’s safer than sorry when to tire. Tires can be a matter of life and death by car.

The puncture wound on the tire sometimes penetrates all the way. The biggest offender is usually a screw. If you notice something stuck to your tire, leave it there and go up to your nearest tire mechanic.

If you still have to travel long distances, switch to backup.

If it’s structural damage, sometimes the puncture on the side can cause structural damage, you have to change your tires. But if not, the puncture can be a direct tire repair.

Performance

Another indication you may need to change is performance degradation.

One performance problem could be air loss. If you find yourself spending tires once a week or more, you may have something wrong with your tires.

You should always check the tire routine of your car. But if you and you find them low on regular, then you should bring them in for review by a tire specialist.

Do you feel a slight vibration in the wheel while driving? Do your tires hum more than usual on the highway?

Your wheels may be out of balance, or maybe something more serious happens. Get a competent mechanic to check your wheels and tires.

Tread Wear

If your tires wear too thin, you can risk the explosion. Step on your tires there to protect you and keep you on the road. It is important to monitor your tire footprint and your tires rotate every 5,000 miles to stay healthy.

But what are the treads that are too faded on the tires?

Tires can be worn uneven if not rotated properly. You can use your tires on one side if mounted on the front end of the rear-wheel drive vehicle.

To overcome this, a few mek

Everything You Can Ever Need Before Realizing Pistols

Everything You Can Ever Need Before Realizing Pistols

Often, a gun is usually a major investment. They can be expensive and they can also trigger your own curiosity that will make you more confident. Though how do you find the weapon you like? Keep reading and you have to learn how to do it except.

Everything You Can Ever Need Before Realizing Pistols

Look at the maturation of a child whenever he gets a new weapon. Small weapons are usually harmful to babies and toddlers who obviously fit every little thing on their lips. Make sure fresh markers are usually kept away from small children. Weapons intended for older children can easily frustrate young people.

Great weapons must be safe and loud as well as exciting. With regard to teenagers, look for pistols that educate these people your security in addition to the accuracy. You will find a gun that can explode dependably if the correct lead is usually pressed. Teens tend to learn to have fun too. Learning by doing is the cutting edge training.

Introduce the fresh teen to a weapon that gives you used markers of gadgets that they might like. New toy guns that have non-lethal bullets are actually favorites. Your child can experiment with creating goals. Some toy markers have a purpose so your child can certainly exercise to capture a smaller subject. Everything You Can Ever Need Before Realizing Pistols

Look for labels involving pistols. Right now, you will not find many weapons built with deadly parts like we have the previous generation. Although, you can some around. Most of Everything You Can Ever Need Before Realizing Pistols these weapons can hurt your child, need to take part of the item.

Acquire your children t ogether while purchasing their firearms. Unless you already know what they want, speculate when the weapons they will enjoy may be attacked and also missed. This can guarantee they find something that these people believe will get pleasure from. Furthermore, it assures you that you are not wasting your money with almost any sign that will not be used.

If most of the weapons you get to your child are only on battery power, be sure to take them off when your child actually uses them. Choosing to be amazed how precisely easy it is to get a young child to take battery power from a mouthful or even chew it. Never ever give them a chance to make it happen.

Follow a weapon that has a good back guide. You never learn the types of rifles that might include teenagers. Simply by finding out the store exchange plan, will save you a lot of trouble.

Reasons to Buy Life Insurance Now

Reasons to Buy Life Insurance Now

Many people postpone the purchase of life insurance in Greenville, SC, and other fields because they seem to assume that the benefits are not something that applies to them. Unfortunately, every year people learn that it is a mistake not to invest in this policy. Although you definitely do not want to sit around thinking about your possible death, it is a mistake not to prepare yourself for the overly obvious possibilities so you can be taken far before you expect. You need to buy a good policy now to give family opportunities to your family in case of your death, to give you the peace of mind right now, to improve the nature of your investment, and to keep low payments on this financial aid.
Provide for your Family

Reasons to Buy Life Insurance Now

To be honest it’s important for everyone to get a good policy, but it’s even more important for you to invest in life insurance in Greenville, SC, if you happen to be one of the major financial providers for your family. Equally unpleasant, you need to figure out what will happen to your family if you die. How do they pay for the necessities of life? Will they be properly provided?

Investing in these policies can help them survive if the unthinkable happens. If your loved ones are faced with the tragedy of your loss, make sure that they are also not faced with the tragedy of losing their homes and the quality of their lives. The size of the policy should end up equal to the amount of revenue you generate. Talk to good advisors to find out which policies are appropriate for this need. Reasons to Buy Life Insurance Now

Giving You Peace of Mind

Many people who buy the required policies tend to do so after the loss of a loved one. No one likes to think about it, but death can come anytime. If you want to avoid worrying about what your family will do if you die, then the only way to gain peace of mind is to buy the right policy.

Increase Investment Portfolio

This is a frugal and wise person who takes time and money to create the right insurance policy. Since this is an investment, it will be reflected in your investment portfolio. When a financial institution looks at the funds you have invested, when a financial institution sees this policy, it will look good to you. They will see that you are not a big risk taker and you understand the need for preparation.

Keeping Payments Low

The sooner you get your policy, the less you have to pay. First of all, this means you have long paid the policy. This alone will save you money for the premium you have to pay. You should also consider that if you are injured or sick, the amount you pay for this policy will increase rapidly. Getting your payment set and guaranteed at this time will mean that you are getting a premium set for your current health and youth.

Of course this is not something you want to think about, and it may be a bit awkward to get to know the person you love. That being said, it must be something that needs to be done. The person you love should be grateful to know that you love them enough to make sure they care about whatever happens. If you have not done so already, you need to work now to build some life insurance in Greenville, SC. Reasons to Buy Life Insurance Now

General Pension Planning Sense Financial planning for retirement is the main focus of our company. Let us help you find the many opportunities available to help you plan your financial future. Visit our page at http://www.commonsenseretirementplanning.com to view our page today!

A Time Line To Create Wealth

A Time Line To Create Wealth

PALOS VERDES, CA- Our investment philosophy is based on an individual’s chronological time line, which consists of three periods: (1) asset accumulation, (2) wealth building, and (3) asset conservation and how they are used to create wealth
The Playing Field is not level

 

The financial journey through life’s time line starts at different levels, depending on whether you were born with a plastic or a silver spoon in your mouth. As you travel through your time line, your in-vestment options change. Knowing where you are and what options are available will help you make the right choices.

A Winning Financial Plan up to Age 35

The first chronological period of your life—mid-twenties to mid-thirties—should be devoted to accumulating assets and acquiring basic necessities. When you’re just starting out, your assets are usually limited and the major portion of your income goes for the basic needs—food, clothing, and shelter.

This is the time to save, save, save! Amass as many investment dollars as possible. Your approach to investing during this period should be through tax-deferred plans at work or Individual Retirement Accounts (IRAs). Your degree of risk should be moderate. Investments included in this category are high quality corporate bonds, blue chip stocks, and growth-oriented no-load mutual funds.

Every effort should be made to purchase a home now. The advantages, from tax savings and equity buildup, historically outweigh the short-term benefits of lower monthly rent payments.

Be careful when sheltering yourself and your family from liability. Only pay for protection when you’re purchasing life insurance. Purchase whole life insurance if it will yield a higher rate of return than other investments. After reading the chapter on asset protection, you might seriously consider reducing your liability coverage.

Remember, your main financial goal during this time is tax-deferred accumulation of capital. Don’t take risks with your investments. Save as much as you can so that when you enter the next phase of the time line you’ll be ready to move forward.

Investing between the Ages of 35 and 50

After earnings have increased, assets have been accumulated, and necessities are under control, it’s time to move on. Ready or not, you must face the challenges during this aggressive investment period of your life, when you are between your mid-thirties and early fifties.

The Best Financial Plan for You

Your best financial plan is to create the maximum wealth during this aggressive investment period of your life. Build financial security yourself. Don’t rely on others to do it for you. Many people who relied on major banks and insurance companies for financial security ended up short when these institutions failed. The social security system will not do much better.

You should be careful not to over diversify your assets or adopt a “hold-back” attitude. You must concentrate your assets into one or two aggressive investments rather than spreading them out. Diversification often leads to ineffectiveness.

What if you fail during this period? What is your down side? If you consider your ability to bounce back because of your age, the political influence of your generation, taxes, and inflation, the real risk is minimized. Make your aggressive investments now. As you get older, your ability to rebound declines. If you do not try at this stage in your in-vestment time line, you probably will never do it, and more importantly, you will never know whether you could have made it.