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These can take all shapes and sizes. Embezzlement Embezzlement is improperly taking money from someone to whom you owe some type of duty. The most common example is a company employee that embezzles money from his employer for example by siphoning money into a personal account. Embezzlement can take many forms, however. Lawyers who improperly use client funds commit embezzlement. So do investment advisors who improperly use client funds they have been entrusted to protect. Tax Evasion Criminal tax evasion is a white collar crime through which the perpetrator attempts to avoid taxes they would otherwise owe. Tax evasion can range from simply filing tax forms with false information to illegally transferring property so as to avoid tax obligations. Individuals, as well as businesses can commit criminal tax evasion. As with fraud, there are perhaps infinite ways to commit tax evasion. Depending on the charges in question, white collar crimes can involve a variety of state and federal laws.
What Database System to Use? Depending upon what you want to do, and how sophisticated you want to be, you can hold your database in many different forms. The simplest was is to use a spreadsheet, with columns for first name, last name, email, address, source etc. If you are familiar with mail merging, you can then use the spreadsheet to drive the production of letters and emails. A little more sophisticated would be a Contact Manager such as Microsoft Outlook or Mozilla Thunderbird. You can usually add custom fields for segmentation, and use the notes to record any interactions you have with the person. If you are technically minded you could use a database manager such as Microsoft Access, LibreOffice Base or MySQL. If the only thing that you are going to do with the contacts is send them emails, then a simple email marketing system like MailChimp or dotMailer works well. If you want to combine your marketing processes with your sales process then an integrated CRM product that can handle both, including email marketing, would be the most sophisticated solution.
The hybrid-seed industry is based on the production of new seed each year from the controlled pollination of selected parents found to produce… plant breeding: Mating systems The production of certain hybrids is, therefore, tedious and expensive because it often requires a series of delicate, exacting, and properly timed hand operations. When male and female parts occur in separate flowers, as in corn (maize), controlled breeding is easier. …
Traditional IRA If you are self-employed, you'll need to look into IRAs for retirement tax planning – 401(k)s are only offered by employers. But you can have both a 401(k) through your employer and an IRA. Opening both account types is a smart move for those who are eligible. IRAs offer you access to many more types of investments and more control over those investments, as you're not limited by a company plan. But contribution limits are lower: $6, 000 per year, or $7, 000 per year for those age 50 and over. The main benefit of traditional IRAs is that they do not have income limits. For individuals who earn more than $124, 000 or married couples earning more than $196, 000, traditional IRAs are the way to go – you won't be able to make full contributions to a Roth IRA. Retirement tax planning: Roth plans If you think that taxes will go up in the future, then you may want to consider a Roth retirement plan. A Roth IRA, and more recently the addition of the Roth 401(k), is often overlooked, but is actually one of the most tax efficient solutions to retirement out there.
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