Small Business

As you begin interviewing moving companies, there are a number of points to cover before you retain the services of any one mover. For instance, talk about insurance with each of the moving companies you interview. Each companies has to carry cargo insurance, so there is some coverage, but see if your homeowners insurance will cover movers and packers handling your belongings. - [Read More]

Many movers claim to provide office moving services, but most treat office relocations like a typical household move when it comes to the type of equipment and processes they use. The result is a disorganized and unsecure move that ends up costing way more time and money than expected. Businesses that want their move handled professionally count on office movers in the Commercial Relocation Network for all of their moving needs. - [Read More]

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6BCGA CP 7 –Revision 8Safety Data Sheets provide detailed information on the properties of a gas as well as advice on handling and storage. They can be obtained for all gases and are to be available for the user of the gas. It is a legal requirement that the gas supplier provides a Safety Data Sheet to the customer whenever a product is supplied for the first time.All gases have their hazards, and appropriate control measures, identified by risk assessment, shall be provided to protect all persons who may be affected by anescape, leak oraccumulation of gases into the workplace.Refer to BCGA Guidance Note (GN) 11 (60), The management of risk when using gases in enclosed workplaces.If additional information is required contact your gas supplier for advice.4.LEGISLATIONThe Health and Safety at Work etc. Act (1), places duties on organisations and employers to protect the health and safety of employees and / or members of the public. The duties include the provision and maintenance of plant and systems of work that are, so far as is reasonably practicable, safe and without risks to health. This includes the use of pressure equipment.There are several Regulations which are relevant to the use of pressure equipmentin oxy-fuel applications.The Pressure Equipment (Safety) Regulations(15), which implement the EuropeanUnion Pressure Equipment Directive (PED) (16), providea legal structure whereby pressure equipment can be manufactured and sold throughout Europe and coversthe first placement on the marketand putting into service of pressure equipment and assemblies.The Provision and Use of Work Equipment Regulations (PUWER) (4) which requires that work equipment should not result in health and safety risks, regardless of its age, condition or origin. The PUWER (4) requires that the employer selects suitable equipment and carries out appropriate maintenance, inspection, identifies any specific risks and provides suitable information, instructions and training.The HSEprovide further guidance on the PUWER (4) within HSE L22 (20), Safe use of work equipment. Provision and Use of Work Equipment Regulations 1998. Approved Code of Practice and guidance.Gas pressure equipment operating above 0.5 bar is regulated by the Pressure Systems Safety Regulations (PSSR) (6). The PSSR (6) requires such equipment to be examined and maintained. It should be noted that the overall intention of the PSSR (6) is to prevent serious injury from the hazard of stored energy, as a result of the failureof a pressure system or one of its component parts. The primary responsibility for compliance with these regulations lies with the user of the pressure equipment and it is the users’ responsibility to enlist any assistance required to comply with the Regulations.The HSE provide guidance on the PSSR (6) in HSE L122 (23), Safety of pressure systems. Pressure Systems Safety Regulations 2000. - [Read More]

Consider saving more for retirement: If you have a 401(k) or traditional IRA, you may get a tax break by contributing more money to your retirement account. That's because contributions you make to these accounts are typically deductible on your tax return. Keep in mind, though, there are income restrictions and contribution limits that determine how much you can put in an IRA, and deferral limits on how much you can put into your 401(k). Be sure you understand what those limits are, and how much you're able to contribute for the year. Reinvested dividends: This isn't really a tax deduction, but it is a subtraction that can save you a lot of money. And it's one that many taxpayers miss. If, like most investors, you have mutual fund dividends automatically invested in extra shares, remember that each reinvestment increases your "tax basis" in the stock or mutual fund. That, in turn, reduces the amount of taxable capital gain (or increases the tax-saving loss) when you sell your shares. Forgetting to include the reinvested dividends in your cost basis-which you subtract from the proceeds of sale to determine your gain-means overpaying your taxes. TurboTax Premier and Home & Business tax preparation solutions include a very cool tool-Cost Basis Lookup-that will figure your basis for you and make sure you get credit for every dime of reinvested dividends. Convert Money From a Traditional to a Roth IRA: Withdrawals from traditional IRAs are taxed in retirement, but distributions from Roth IRAs are tax-free. Plus, Roth IRAs don't have required minimum distributions, which can also be beneficial for those looking to reduce taxes in retirement. While money can be converted from a traditional to a Roth account prior to retirement, taxes must be paid on the converted amount. That means people might want to be careful that the amount they convert doesn't bump them into the next tax bracket. Discover more info on Tax Preparation Houston. File Early: There are three good reasons to complete your filing as early as possible: Information Is Readily Available. Employers, vendors, and financial institutions are legally obligated to mail the required W-2s and 1099-Rs by Jan. 31. Complete your taxes as soon as you have all the necessary information to prevent confusion, tension, and misplacing documents. Filing Is Inevitable. Filing your taxes is something you must do every year, so why procrastinate? Getting it behind you gives you time to focus on other things. You Can Invest Your Refund as Soon as Possible. Your money won't earn interest in the government's till. File your return now and invest the refund to get the most out of your money. The one reason to delay filing until April 15 is because you owe taxes. If you have tax liabilities, the best approach is to complete the calculations and fill out all of the required forms but delay the actual filing until April 15. You won't be charged any penalty or interest if you file and remit any unpaid balance at that time. A wage garnishment is any legal or equitable procedure where some portion of a person's earnings is withheld by an employer for the payment of a debt. This is typically initiated through a court order or government agency action (such as an IRS levy) that requires an employer to withhold a percentage of an employee's compensation. When notified of an order to garnish wages, an employer is legally obligated to make the appropriate deductions from an employee's salary and direct payments to a designated agency or creditor. - [Read More]