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Wednesday, February 21, 2018

Dinner At CJ Hotpot On The First Day Of CNY

STEAMBOAT DINNER ON THE FIRST DAY OF CNY...

As usual, there is no cooking in the house during this festive season.  Mama is lazy, she does not like to do cleaning up especially after the cooking, after all, she is not a good cook... Might as well take this opportunity to go out and look for food.  And since it was a cool evening, all of us agreed to have the special steamboat in CJ Hot Pot in Ipoh Garden East...

Before we arrived, we already thought of Plan B... just in case this CJ Hot Pot is not opened, we will go to another restaurant nearby.  To our delight, it was opened and there were still a few empty tables too!  I was expecting the place to be full since it was the first day of CNY... and half-way through our dinner, the place was full to the brim.  Good to be early diners.... I must say...
Waiting for it to boil....
We ordered a side dish... too dark to recognise what it is?
This is fried mantis with spring onions and dried chillies... 
Cannot expect much during this festive period...
However this did not disappoint us.... 
We ordered some extras....
That is for our dinner on the First day of CNY!


Home Improvement Plans And Tips

Want to improve your home, then some home improvement is in order and here are some tips and plans on doing so.

Consider Personal Influencers First
Funding a home improvement project isn't always easy. Several personal factors such as the ability to seek financing, your age, and monthly repayment commitments need to be considered before taking on the project.

Credit Cards
Credit cards can come in handy when paying for minor home improvements. Simple cosmetic enhancements such as repainting, decorating, and even upgrading the lighting system can be paid for using the credit card. Most credit card companies offer free introductory periods for purchases for as long as you don’t max the card out. You however should pay-off your credit card dues before the interest-free period is over. Late payments count attract hefty fines by the company.

Home Improvement Loans
Home improvement loans are considerably much easier to service, and cheap too. You can borrow little amounts ranging from £7,500 to £15,000 for lower interests. Check out Money Expert guarantor loans for help.



Equity Release
Equity release enables seniors aged 55 and above unlock some of their property wealth from their homes. Equity release funds the improvements, with the costs only recovered once you die. This option is recommended for individuals that don't have anyone to inherit the house after they are gone. According to research, at least 23% of all individuals aged over 55 years prefer using equity release as compared to going for home improvement loans.

Drawdown Schemes
Drawdown schemes work in an almost similar way as equity release schemes, though are more popular. These schemes enable homeowners to release cash when, and as they need it. This helps reduce overall interest amounts significantly.

Your home will, however, need/have to be valued to enable these companies to put a value on the cash release program. The best part about this is that you can still release equity even when you still are servicing its mortgage. Experts however recommend using some of the unlocked funds to pay off the mortgage, or part of it.

Consider seeking professional financial advice before signing up for equity release. Some of these programs can put a huge dent to your state benefits and the estate's value. It would also be wise to deal with members of the Equity Release Council as well. Only these members can guarantee you financing regardless of real estate prices. This also helps you stay out of debt should your property depreciate beyond the projected amount.  Of course, everything needs to be put in writing and signed by both parties to hold up in the future.

Read/research more about equity release to understand more about it, how it works, pros and cons before signing up. This is particularly important for individuals with dependents who might need the house in the future. You should also check to see if you are eligible for equity release, and how much you can cash from the same.


What if the Location of Your Business Changes? Is a New EIN Needed?

When you make changes to the way your company operates, updating all your records and all the important industry contacts you have developed can be time consuming. To top it off, you need to understand how changes affect every aspect of your administrative management, including your tax reporting obligations. Often, companies change locations to find a more business-friendly environment, and this can lead to entrepreneurs wondering when and if they need to register a new EIN. Luckily, the IRS does not require you to apply for a new EIN when your business address changes, so your current tax ID number will be valid.

When Does a Company Need a New EIN?

The IRS only requires you to get a new tax ID when a new entity is being established for tax purposes. That means:

     If your sole proprietorship has employees or needs to file for certain small business loans
     When establishing any other type of business
     When reincorporating a business into a new structure
     When you manage a nonprofit or estate with income reporting and/or tax obligations

If you are running an established company, then your EIN will be registered to your business under its proper business name. You can use an EIN lookup like the one on IRS-EIN-Tax-ID.com to find out whether your EIN is registered to your business in its current configuration. If you do need a new one, it’s easy to get it by using the site’s application to submit your SS4 online.
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Get the Help You Need When Applying for an EIN

If you have questions about your EIN registration or about applying for a new EIN when your company has changed structures, you should contact IRS EIN Tax ID Filing Service online to get help. Company representatives respond during regular business hours, so you can get answers to your questions before applying.