Reviews / Thoughts / Opinions / FYIs

Keep in mind that the law is different in every state... not to mention there's city and state regulations when it comes to laws. Alive:   you'll need a living will aka Advanced Health Care Directives, power of attorney, medical power of attorney, otherwise first of kin gets dibs. Post Death Preparation: 1) Write your last will and testament, name an executor. Signature of at least two witnesses and get it notarized. The average cost of a funeral is over $6500 according to the web... List your liabilities and assets...

*Dont get too many credit cards. *Spend as much as you can pay off. And pay off right away. *Make sure it has no annual fee *Visa is a good card to have, as it's taken everywhere usually. *Having too many credit cards can hurt you, because you look more risky to have so many opportunities to have more potential debts. Too many cards you can take out a loan for the total sum of a giant loan. So not good when being evulated for loans for mortgage for example. *Whatever you buy, sit it there for two weeks, with receipt -if you can live with it for two weeks and not have it, take it back. 7 cards is a lot... Which cards will you remember to cancel if you lose your wallet right now? And how quickly can you get it done? 3-4 cards better Travel Good cash back. Business expenses. You can close your credit cards soon as you get it, but it's not good for you. First credit card is good for you, the one with the longest credit history. - Advice from Winnie Sun --------------...

LABRET & MONROE Thickness / Diameter: 14 Gauge or 16 Gauge (1.6mm or 1.2mm) Length: 5/16" or 3/8" (8mm or 10mm) Jewelry: Labrets, Circular Barbells, CBR's, Spirals Labret usually refers to a piercing that is below the bottom lip, above the chin. The most common gauges for a labret piercing are 16ga or 14ga. The thickness of your lips should determine the length of your labret. The most common length is 3/8 inch but 5/16 inch and 7/16 inch are common as well. Labret and Monroe can also be used for Cartilage rings.

Flushing has privately run buses going to a few casinos within the tristate area. But you have to know where and when to find them... The well know few are the following: ***Foxwoods Resort Casino ***Sands Casino Resort ***Mohegan Sun:  http://chinese.mohegansun.com/bus_facai.html ***Empire City Casino For anyone that just wanted a cheap getaway route, and not paying the greyhound price...this isn't too shabby...  a lot of these round trip rides are like $15-$20 and they give you money to play the slots and a meal voucher too - so ask about it! I had a hard time finding them on the web, so I took the liberty of walking around and collecting them, you're welcome!  lol

1. Singapore Airlines (SQ) 2. All Nippon (ANA)

Just tidbits of information that I wish I knew earlier in life.... I recently found an accountant I wouldn't mind establishing long term relationship with, because she was educational, polite, and friendly. She thoroughly explained everything! What to Bring when filing Taxes with an Accountant: ***Bring you filed taxes from the previous year when filing (If using a new accounting place) ***Bring your State ID ***Bank Info. (Account # and Routing #) ***All Income info. (ex: W2, 1099, Bank or Investment Interest Earned, etc etc) &       Health Insurance has (1095A- Obama Care, form will be filled to see if credits issued might be retracted due to your income & 1095B - Medicaid) ***Itemized Deduction Summary & ( Detailed info. stored for your files; best if digitized, ink fades on paper or gets lost. ) If you haven't found a good accountant that you want to establish a long future with.... A) Beware of Tax Preparer Fraud ; because whatever your accoun...

               My accountant suggested my partner and myself to open up an IRA account to help with our taxes. And she suggested looking into IRA accounts with our current checking accounts banks, as some banks waive fees for existing account holders. Ex: Chase, TD Bank But is your IRA account protected from creditors like the 401K would be in your current state of residency? I'm in NY:  http://www.nolo.com/legal-encyclopedia/can-judgment-creditors-go-after-my-retirement-accounts-new-york.html# ... so check your state law! And also search reasons not to rollover funds from 401K. FYI...                After much browsing online..... the idea sprung.... to provide contribution to IRA account by credit and earn rewards, new card bonuses. So far I've only seen one site post on how to do this.... http://saverocity.com/finance/how-to-fund-an-ira-with-a-credit-card-make-huge-profit-process/ ...