The Savings Highway Discount Club Presents How The Mistakes of One Website Owner Led to Success Submitted by Ed and Nancy Vacin

My name is Nancy Vacin and I am one of the owners of the business and website, Discount Clubs Info. This commentary is about, "things I learned from making marketing mistakes in my home based businesses". Or maybe I should say it's about, "how not to succeed in marketing". After five years and $10,000 with no return in trying to market home based businesses, I think I have learned everything there is to know about what "not" to do, if you want to succeed in a home based business. Of course in the process I've also learned some things you need to do, before starting your own business from home or from a storefront for that matter. My husband's and my first venture was in Cheney, Washington. We opened a small Christian bookstore. Cheney was a college town, of about 8000 residents, with quite a few little surrounding towns. Spokane was 15 miles from Cheney. We thought we would get a lot of traffic from Cheney and the surrounding towns. That was not the case. We found that people would drive to Spokane to do their main shopping, and while there, visit the very large Christian bookstore there. Needless to say, we closed the store at a loss after one year. My Mistake: Not doing research or market analysis for need of a Christian bookstore in area. Our second main venture was flipping real estate houses in a depressed area. My husband and daughter did this as a join venture. Learning from our first mistake, my husband did research on the market, lined up an investor a head of time that agreed to work with us, and printed off forms needed for the business. This business actually made a nice income for one person, but barely enough for two. Unfortunately, the state decided to redevelop the area and offered thousands more for the houses than would have been profitable for us. There was no mistake here: The only cost involved was for fuel for the car to check out the houses. My suggestion on this would be to always line up an investor before attempting to flip houses in any area. At this point, we decided to work online. We attended a workshop about working from home. The presenters were excellent and we invested $6000 for 6 licenses for online store type websites. This turned out to be a total disaster. We knew nothing about advertising online. I picked my template for my site and located the products I wanted to sell from seven different drop-shippers. I made one sale in a year. Fortunately, I had a full time job, so our only loss was the investment of time and money. At least we were not out on the streets. My Mistakes: Not learning what was involved in setting up a business online such as: research on marketing, advertising, having a web presence, comparison of hosting vendors, and not writing down a business plan with goals and a budget. While embarrassing to admit, I tried several other MLM online businesses that failed. I finally started to learn that if I wanted to be successful I needed to do my research. The first thing I did was to write my business plan. I picked a nutritional company that had been in business for 10 years and had a good compensation plan, offered a second stream of income, with no extra work, and offered a lot of bonuses. Through trial and effort, I slowly built my business. I really enjoyed educating my downline leaders how to train their people on the business. Unfortunately, my downline slowly quit, and when the second stream company did a major revision in their compensation plan, my team builders also quit. My Mistakes: Rather than go into extensive detail, I will summarize them as follows: 1. Bringing people in through the second stream of income business, instead of the nutritional business. 2. Spending my whole annual advertising budget during the first two months of business to buy leads. (Buying leads is the same as flushing money down the toilet.) 3. Buying a 4 Gig laptop, when I had a desktop. 4. Not doing a Google search for free advertising and leads. My husband and I are currently doing an online business together. Through my mistakes, I have found that I hate having to do anything that is technical with the computer, like setting up web sites and capture pages. I enjoy talking to people and writing blogs and articles. My husband enjoys the technical components and is very good at it. But for me, if it were I alone, I would never be successful in business online, because I would not do the technical things necessary to be profitable online or even break even. So, in summary, we have finally found a home business that lets my husband and I use our own particular talents in the area we are good at. He does all the promoting and designing and we both do sales. We have learned how to get ranked with Google for free, advertise for free and get free leads. We have learned the biggest secret is not only knowing your strengths, but to have a mentor team, who are doing well with their business. Learning all this, we are finally on our way to retirement and helping others do the same. Ed and Nancy Vacin are the webmasters of Discount Clubs Info and Nancy is the author of this article. Did you find these tips on Marketing helpful? If so you can find out a lot more by visiting both the above website and The Savings Highway or by calling 918-955-8978 or email: discountclubsinfo@gmail.com.

Tax Savings With A Legitimate Home Based Business | Savings Highway Submitted by Angie Mitchell

Tax savings are one of the most compelling reasons to start a home based business. I, Angie Mitchel found countless searches on Google that support my findings on these tax savings. Did you know that you can drastically reduce how much you pay in taxes by as much as $3,000 to $6,000 per year just by running a home business such as Savings Highway, whether or not you are actually making a profit from that business? Are your taxes killing you financially? Yes, you can STOP the BLEEDING! I get it, I get it, half of North Americans are busted broke, and the other half are too freaked out to spend the money that they do have, so how on earth do we get a bunch of new small businesses going? The solution to tax savings. Let "Uncle Sam" pay for the start-up costs and the ongoing operating costs. Here's how it works...YOU agree to start, and to run, a part time home-based business like Savings Highway, to run it with a intent to profit, while keeping adequate business records. Uncle Sam says, "If you do that, I'll cut your taxes by $3,000 to $6,000 or more every year, starting today, and then, I'll let you collect part of your additional Tax Refund every couple of weeks, all year long - NOT waiting for April 15. How do these tax savings work? As soon as you add up all of your tax savings, you can visit your payroll office to fill out a short form called a W-4 that will begin to put an extra $300-$600 per month in your take home pay -- beginning with your very next paycheck!!! That means you get part of your additional tax refund in every paycheck, all year long! It's like putting $100 extra cash in your pocket every week -- week after week after week! That's just from tax savings not even counting the money you'll be making through a business like Savings Highway! How to qualify for tax savings? Congress said, "work your business at least 3 to 4 hours a week, be able to show you're trying to make a profit, and keep adequate business records" Simple as that. OK be honest, can you really afford to wait? The cost of not having a home based business be it Savings Highway or not, and by not understanding the tax savings that come along with it, is MAMMOTH! It is my mission to educate people and bring savings and financial wealth everywhere via Savings Highway! http://angiemitchell.thesavingshighwayclub.com Angie Mitchell angie@thesavingshighwayclub.com Skype: angiebt79828 250-378-6798

How to Retire Early and Earn Residual Income Submitted by Angie Mitchell

There are different ways to make money and earn residual income. Residual income is income that a person earns over and over again for something they do once. One of the best ways to earn residual income is through an internet home based business. The beauty of residual income is that a person works hard to set it up in the beginning and then it works hard to provide them a steady stream of income on a regular basis, therefore answering the question, "How is it possible to retire early?" Network marketing also referred to as multi level marketing or MLM is the most popular method to earning a residual income and providing people with the opportunity to retire early. MLM has exploded in the past few years. Now is the very good time to start a home based business because people are desperately looking to find new means to making money in today's economy. Most programs can be started with little to no start up costs and should provide training and a website to get a person started, this is very attractive to people because the company handles everything except marketing, selling and signing up new motivated team members. There are a variety of MLM programs to choose from and it's important to join a company that is already established. It's also very important for a person to find something that interests them, the biggest issue with MLM is that a lot people jump into it without REALLY being passionate about it. The thought of network marketing never even crossed my mind till a friend introduced it to me, so I gave it a shot and soon realized this is what I'm supposed to be doing! I found my passion and I'll be forever grateful. Without a doubt it was a learning curve for me but it was fun and because I love it so much it doesn't feel like work, I've got a network of positive like minded people who have taken control of their lives, embraced a new challenge and started to live deliberately, while providing the knowledge and community nourishment all entrepreneurs need to succeed behind me. A home based business has the potential to earn an incredible residual income for life so you are able to not only retire but retire early. My advise would be to give yourself one year of continuous effort, run your home business with the help of your team, start building your foundation and your retire early plans will no longer be a pipe dream. I'm almost 35 and do not find myself asking the question "How is it possible for me to retire early?" I know exactly how I'm going to retire early and earn a residual income, I will be retired and earning a residual income by the time I'm 40. What is the real issue standing between you and the early retirement you deserve? It is my mission to educate people and bring savings and financial wealth everywhere! http://thesavingshighwayclub.savingshighway.com Angie Mitchell angie@thesavingshighwayclub.com Skype: angiebt79828 250-378-6798 MISSION STATEMENT: Our mission is to assist 1 Million families in the USA to reach Financial Independence. By providing American families with a Membership they can use to save money including benefits like Family Dental, Vision and Health Savings, 24 Hour Roadside Assistance, Savings on Dining, Shopping, Office Supplies, Recreation, Travel, Taxes and more, and combining all of these great benefits with our 2 who refer 2 "Retire Early" system, we can reach our goal of assisting 1 Million Savings Highway Families to find Financial Independence, and have fun along the way!

Baby Boomer? How to Retire Early Submitted by Angie Mitchell

Social Security was never designed to support a majority of the population for a third of their lives. The Social Security system is a major source of income for many. Thus Social Security is a logical place to start answering the question: Can we afford to continue this trend of retiring ever earlier and living longer? Social Security was never designed to support a majority of the population for a third of their lives. When the retirement age was established in 1934, the average age of life expectancy was 59.7 years. The thinking at the time was if an individual lived that long, many did not. It was appropriate to provide a pension to see them through to end of their days. Let's be blunt, shall we? Baby boomers have done a poor job of saving and preparing for retirement never mind early retirement and realizing that it's more important than ever. The model for retirement needs to change. The idea of working thirty or forty years and then not do anything except get a pension is simply unrealistic. The new extended longevity of life opens up options that need to be evaluated. Deciding on the right time to retire or the desire to retire early involves a number of factors, not all of them financial. A reported 77% of baby boomers expect to continue to work, at least part time, past traditional retirement age and a home based business is a perfect model for that. Sure, some financial needs will be met with a pension, but starting a home based business will allowed you to enjoy the finer things in life and still contribute income to the family. While some will never retire early, nowadays baby boomers are exploring the idea of working part time more than ever, making a career change to more fulfilling work, starting a home based business and altering their lifestyle to accommodate new interests and many find that this becomes a passion they never knew existed. They are quickly realizing that it is not waste of time or money because they are willing to commit to your own success! People who are determined to experience early retirement report that money was not the primary factor in their well being it just so happens to come along with the territory. It's important to understand what you need to be satisfied in life and start planning for your future. The near failure of the banking system and the downfall of the stock exchange, more people are looking for an inexpensive way to get in business for themselves. That's why even in a down economy, the company I'm involved with is exploding with new members. People who are looking to retire early are looking for ways to cut costs and save money...and more and more people are looking for a legitimate way to earn extra income in today's economy. "It's extremely hard to keep the fire going when the embers have gone out." What get's you fired up? What are you willing to give up? What are you willing to risk? Are you willing to invest in yourself? Do you have what it takes? Are you willing to create you own success? I sure hope so because no one else will! These are questions only YOU can answer. It is my mission to educate people and bring savings and financial wealth everywhere! http://www.thesavingshighwayclub.savingshighway.com Angie Mitchell angie@amitchellonline.com Skype: angiebt79828 250-378-6798

How to Retire Early In Today's Economy | The Savings Highway Club Submitted by Angie Mitchell

Would you like to know how to retire early in today's economy? Are you going to retire at an age when you can still enjoy retirement or are you just hoping your job will stay around until you can retire? Now do this...TAKE CONTROL!

The crumbling economy, the volatile stock market and limp home assessments are affecting just about everyone, but people who would like to retire or are about to retire may be in the most precarious of positions and asking themselves, how is it possible to retire early in today's economy? Are you looking for appropriate ways to respond? Then it's time to learn more about what you CAN control and how you can better manage your personal finances.

Seeing your portfolio or your 401K lose value over a prolonged period is never easy, but it can cause even more worry if you're relying on your nest egg or will be relying on it shortly. If you're still working, will you have to postpone retirement? If you're retired, will you have to reduce spending, cancel plans or look for a job?

"Social Security replaces approximately 41% of the average earner's income at retirement and some forecasts predict a fall to 30.5%." * (Source: "Social Security, Medicare and Americans' Confidence in Their Retirement Future" Watson Wyatt Insider, September 2008.)

I don't know how anyone can be prepared for what we've been experiencing recently with our economy. The current retirement-income system of defined contribution plans in which employees bear all the risk is ill-suited to the needs of the average Joe.

People haven't been very good at building balances in 401K plans; they're modest by any measure, most people are not experienced investors, (myself included) and their whole future well-being depends on the assets in these plans. When they're hit by these huge fluctuations in the market, it must really put a knot in their stomachs.

Fear and concern are normal. The news is all around us, and it's hard to ignore. People going into retirement are the ones who are most aware of their financial situation because all of a sudden it's right in front of them. If you haven't done a stellar job preparing for retirement, your options are fairly limited. You can work longer, live on less or work in retirement but you sure as heck don't have to!

Let me ask you this, have you ever considered an internet business? If not, how come? There are so many benefits to having a home based business and this just might be the answer to the question: How is it possible to retire early in today's economy? Make financial freedom a possibility for you.

With prices always on the increase, I chose to join The Savings Highway Club and created my own economy!

If in life one door closes...don't be afraid to climb out the window...it may be worth the jump!

It is my mission to educate people and bring savings and financial wealth everywhere!

http://www.thesavingshighwayclub.savingshighway.com

Angie Mitchell

angie@amitchellonline.com

Skype: angiebt79828

250-378-6798

Is The Savings Highway The Solution To Your Retirement Woes? Submitted by Angie Mitchell

Do you know your net worth? To retire early, you need financial stability and a clear idea of what your standard of living will be. Are you saving for retirement or are you letting the government save for you? Are you currently collecting Social Security? How do you use the money? What things do you have to go without? What is your plan? After asking yourself these questions ask your self this: Could Savings Highway be the solution to your retirement woes? If you want to keep up your current standard of living as a retiree, the rule of thumb is that you'll be spending monthly at least 80 percent of what you're spending now, that other 20 percent you won't be spending accounts for work-related expenses: gas or public transportation fares for your commute, dry cleaning bills, lunches and such. If you plan to travel, play more golf or spend your summers on a houseboat, you'll quickly make up that 20 percent you thought you were saving by not working. There's a big difference in planning for a 20-year retirement and a 40-year retirement. Perhaps the most important factor when calculating how much you'll need is how early you want to retire. One way to get started on your early retirement budget is to use one of the many free online retirement calculators to figure out how much you'll need in net worth to retire at a certain age. But the only way to know if your planned retirement spending will work is to try a dry run. Try to live for three months on the estimated monthly amount that you hope to live on when retired. If it's not working now, it definitely won't work when you factor in increased healthcare and insurance costs. You can try to keep up with the "Joneses" or you can do things the right way and yes, it can be difficult for some but it doesn't have to be that way. Be a little more frugal. Pay yourself first, and most importantly take advantage of the many benefits Savings Highway has to offer. Working online and showing people how they can save money on things they buy daily and by showing them how to make money in the process has become MY focus and quickly showing me that this is my solution to my retirement woes. Anyone can do what I am doing if they just apply themselves. Saving for retirement in the good ole U.S.A. wouldn't be so difficult if we didn't have to spend our entire pay check as if there's no tomorrow. As for me, I've got a plan and it doesn't include working full-time past 40. I'm 34 and although retirement seems far away, it will be here before I know it. I will retire earlier than most because I planned for it! I have made my decisions and strive towards my goals. You won't be hearing "Oh woe-is-me" coming from this gal! If you are looking for a solution to your retirement woes, you know how to contact me. It is my mission to educate people and bring savings and financial wealth everywhere! http://thesavingshighwayclub.savingshighway.com To Your Savings and Success, Angie Mitchell angie@amitchellonline.com Skype: angiebt79828 250-378-6798

Turning Plan B Into Plan A With Savings Highway ~ Success Begins With Financial Freedom Submitted by Angie Mitchell

People are looking for income opportunities today more than ever before. The crash of our economy in 2008 was a wake up call for people to see just how secure their nine to five jobs really are. What a wake up call it was! A Plan B is an income backup plan that a person establishes just incase they find their self the recipient of a pink slip. Jobs have no security for the future. The crisis that occurred in the later part of 2008 shows us the true security of our jobs and that doesn't sit well with me! I turned my Plan B into my Plan A and Savings Highway took me there. For a lot of people success begins with financial freedom. Online Home Based Businesses are the greatest income opportunities in this day and age if you haven't already noticed. You can earn your living full time and build your fortune part time, meaning your job will cover your daily expense while your Plan B will help to change your lifestyle by fulfilling your dreams of early retirement and financial freedom. We are the fastest growing industry on the on earth and the internet is changing the entire way we do business by learning a little bit about how the internet operates although no experience is necessary because you will learn valuable techniques from knowledgeable marketers eagerly and actively involved within this industry, I just so happened to choose Savings Highway as my vehicle to get me there and I'll be forever grateful for that opportunity! Our business (Savings Highway) is our product and our product is our business. Helping others achieve financial freedom and showing them how to save money on things they are already purchasing has been my greatest satisfaction. I've been working on line for a while now and have been taught knowledge and have been able to market with the knowledge that I've learned. We as financial freedom seekers get taught online marketing and mindset. It's important to understand that the thoughts that guide your mind are the same ones that guide your success or failure. All that really matters is you're willingness to be guided. Yes, you're success relies on your ability to be coached, being able to stay focused and disciplined if you TRULY want to turn your Plan B into Plan A with Savings Highway. The Savings Highway Team is willing to train your mind for success and give you the knowledge to become successful! With that success will come financial freedom. Because you have taken the time to read this article I know you have the desire to want to change your lifestyle and are thinking "Is it possible for me to turn my Plan B into Plan A?" And I'll tell you "Hell Yes, I'm living and breathing proof!" Without helping others I can't help myself. It is my mission to educate people and bring savings and financial wealth everywhere! http://thesavingshighwayclub.savingshighway.com To Your Savings and Success, Angie Mitchell angie@amitchellonline.com Skype: angiebt79828 250-378-6798

Savings Highway - Create Your Own Economy Submitted by Angie Mitchell

Creating your own economy is about taking control of your financial and personal life. Would you like to create an abundant lifestyle for you and your family? Would you like to have the freedom of choice to do what you want, when you want, without limitations? Savings Highway provides all that and more. Jim Rohn says 'A Formal Education will make you a living, Self Education will make you a fortune'. Imagine the incredible impact this would have on all areas of your life! With no doubt, you can turn this opportunity into a Home Based Business that has the potential to earn an incredible income for life, simply by helping people creating their own economy! Savings Highway is dedicated to helping you to achieve your dreams and goals. That is what we are creating and we want you to be part of it! We already have a strong team developing, a network of positive like minded people who are taking control of their lives, embracing a new challenge and starting to living deliberately. Savings Highway is going to help you DRAMATICALLY move closer to where you want to be, by providing the knowledge and community 'Nourishment' all entrepreneurs need to succeed. Too many people are thinking of security instead of opportunity. By saving money on things you purchase anyway and helping others do the same, only good things can happen! Savings Highway is bringing together collectively empowered and inspired people to create MASSIVE freedom for ourselves, and as many people in the world as possible. Our ambitions do not just stop with us reaching our own goals in life... they continue until our lives have literally become a conductor for AWAKENING people to the 'Power' they have inside... and showing them some of the most innovative ways in existence to really live their life free by showing you how to create your own economy and success. A Savings Highway Membership Includes... Gas Savings Grocery Savings Shopping Discounts Free 24 Hour Roadside Assistance (GE) Free Family Legal Plan Family Dental Plan (AETNA) Family Vision Plan Discount Prescriptions Entertainment Book Online Discount Travel & Vacations Worldwide Condo Program Great Dinning Discounts Movie Discounts Savings On Theme Parks Golf Discounts Bowling Discounts Sporting Events Amazing Discount Magazines Savings On Flowers and Gifts Discount Moving Services Discount Car and Truck Rentals Save Thousands On Taxes Free Marketing Website Weekly Pay Fast Cash Car Bonuses Lifestyle Bonuses Matching Bonuses With prices always on the increase, I chose to join The Savings Highway Club and "created my own economy!" It is my mission to educate people and bring savings and financial wealth everywhere! http://www.thesavingshighwayclub.savingshighway.com Angie Mitchell angie@amitchellonline.com Skype: angiebt79828 250-378-6798

Savings Highway Offers The Biggest Bang For Your Buck Submitted by Angie Mitchell

It is not my intention to bad mouth or slam other MLM companies. They each have something different to offer. The company I chose was one that takes care of "the little guy" My goal here is to provide you with information so you can make an informed decision before you join one, if you are trying to save as well as earn money. I've found that Savings Highway offers the biggest bang for your buck. Savings Highway offers Americans a company that pays on time, every week like clockwork... and delivers real world benefits that every day people can use to save money on things they buy every day/week such as food and gas as well as provides a real opportunity to make money. In today's economy, it seems like everyone is looking for ways to cut costs and save money and more and more people are looking for a legitimate way to earn extra income. Savings Highway provides both. People are looking for an inexpensive way to get in business for themselves but also want the biggest bang for their buck and I'm no different! With the cost of food not to mention gas prices going up around the world, it's a great time to save money. It's not just food and gas savings you are able to take advantage of, it's about being able to save thousands of dollars a year on dining, groceries, gas, shopping, dental, vision, hearing, health expenses, travel, entertainment, movies, golf, bowling, magazine subscriptions, flowers and gifts, moving, tires and rims, office supplies, prescriptions, taxes and much more! If you decide this is something that you or your family can take advantage of you'll find great discounts on places you already know and love right in your home town. It's simple, easy, fast convenient and it saves you money! Savings Highway offers three different levels of membership, Gold $99.95/mo. Silver $49.95/mo. and Bronze $29.95/mo. Obviously the higher the level, the greater the savings and the higher potential of making more money faster. With the savings that you'll get back from the gas and groceries alone will pay for the Silver Membership. It is my mission to educate people and bring savings and financial wealth everywhere! http://www.thesavingshighwayclub.savingshighway.com Angie Mitchell angie@amitchellonline.com Skype: angiebt79828 250-378-6798

Savings Highway Brings Financial Freedom and Huge Savings Submitted by Angie Mitchell

Times are tough. People are unemployed. How would you like to build a solid, residual income by helping others save money on something they need anyway, such as food and gas? If you're anything like me you take great joy in knowing you've helped someone and in return be handsomely rewarded for your efforts. Savings Highway brings financial freedom and huge savings on things you have to buy and on things you want to buy. If you continue to build your team, and get others interested in becoming a Savings Highway Club member, your residual income will grow as you and others affiliated with you find new members. Your residual income can become quite significant, and the opportunity for financial gain will only increase as the company expands! This is a once in a lifetime opportunity and I'm proud to be a part of it. Many shy away from network marketing for fear of having to badger people for money. They're afraid that after they "sell" their "warm" market, they'll have to approach strangers and try to "pitch" them. I've found a company that sells itself. Connecting people to a product or service they consume every day and providing them the savings is the best part of it all! It's a very simple concept, give the people what they want! People want to save money and people want to make money. It's up to them to take the necessary action. Being financially free means different things to different people. I think we all agree that to be financially free and financially independent means to have more money coming in than going out. What's really important is the person you become while striving for financial freedom, while becoming worthy (in your own eyes) of such success. Be willing to drop the poor person's mentality because financial freedom is a symbol of becoming someone capable of achieving their dreams. In the information age more of us need to grow up and grow away from old industrial ideas of expecting someone else to be responsible for our job security and financial security. This is a process that many people are avoiding by still seeking job security and financial security provided by someone else. It's time to take the bull by the horns and create your own reality! If you can dream it, you can achieve it and I'm willing to show you how. "The richest people in the world look for and build networks, everyone else looks for work" - Robert Kiyosaki Savings Highway is an opportunity where you can achieve financial freedom, savings and personal growth in every aspect. It is my mission to educate people and bring savings and financial wealth everywhere! http://www.thesavingshighwayclub.savingshighway.com For more information and details, please feel free to contact me. Angie Mitchell angie@amitchellonline.com Skype: angiebt79828 250-378-6798

Financial Freedom - The Savings Highway Way Submitted by Angie Mitchell

Are you living from pay cheque to pay cheque hoping to get ahead? Maybe you feel that your future is destined to bill payments and maxing out credit cards. I'm here to tell you, that's all wrong! You can have financial freedom working from home. You just need to be shown how and that's where I come in... Perhaps you've heard about what you can do to become financially free, but you don't know exactly how to do it. I want to give you my opinion of why financial freedom is not only possible, but very achievable by average people just like you and I, even in this terrible economy. First of all, have you ever considered an internet business? If not, how come? This is what could possibly make financial freedom a possibility for you. There are so many advantages of being able to work at home ... freedom, choice, flexibility (especially with childcare), the opportunity to do something you've always wanted to do, to live a more balanced life and of course financial freedom. Being able to take advantage of the tax breaks is a real bonus too, you can deduct a part of your home's operating and depreciation expenses as business expenses. This can be a percentage of your mortgage, property taxes, insurance, utilities, and/or the expenses of household maintenance. Do you get it? You could be SAVING thousands every year just for having a home based business. Network marketing is an excellent business model to achieve financial freedom because you can create residual income. This just means you are going to get paid in the future for work you're doing right now and this business model is perfect for that. Now, what kind of business are you looking to promote? The latest and greatest miracle juice, the best ever live till you're a thousand health care products? (Trust me, I've done it and it's a hard sell!) My choice was to join Savings Highway. A company that's honest, cares about the average Joe, they truly offer something no other company offers, a chance for you to build a very successful online business while making money helping others save money. That's the beauty of it. You, as a Savings Highway Club Member, will also save money however, you will be able to MAKE MONEY each time you have someone else sign up as they in turn take advantage of the savings also. As long as they remain with The Savings Highway, you will earn money each time they save. It's a win, win situation! What do people want? People want to save money. People want to make money. A Savings Highway Club Membership helps you to cut expenses and save money on things you have to buy and on things you want to buy. If you continue to build your team, and get others interested in becoming a Savings Highway Club member, your residual income will grow as you and others affiliated with you find new members. Your residual income can become quite significant, and the opportunity for financial gain will only increase as the company expands! There are three possible levels you could join at: Bronze, Silver and Gold. Obviously the higher the level the higher the savings. You'll save thousands. The members simply buy the things they normally buy and there are no disruptions or other changes. Simply submit your receipts and Savings Highway will give you a Visa Gift Card. I can't quite believe it but you get paid to save! There is no catch, you can build your business as a member as quickly or slowly as you wish and be well on your way to financial freedom. It is my mission to educate people and bring savings and financial wealth everywhere! http://www.thesavingshighwayclub.savingshighway.com For more information and details, please feel free to contact me. Angie Mitchell angie@amitchellonline.com Skype: angiebt79828 250-378-6798

Tax Savings Solutions, The Savings Highway Has Them All

US Congress enacts Home-Based Businesses Tax Savings Solutions

We are talking about tax savings laws passed by the United States Congress specifically to encourage taxpayers to actively operate a small home-based business - even on a part-time basis - with the intent to make a profit.

First, the fastest-growing business category -- for several years in a row -- has been Small Home Based Businesses. Maintaining continued expansion in that industry simply makes perfect sense for our national economy.

Second, unemployment puts a tremendous strain on the economy, and the leading job-growth category, again, is Small Home Based Business. Job growth = less unemployment = stronger economy.

Third, if every taxpayer had a part-time home-based business as a "fall back" or "safety net," a signifigant layoff by a major employer would have less of an impact on the economy.

You are about to get a map to a lot of "information" i.e., small home based business tax savings that are 100% IRS-compliant, easy to qualify for, and simple to document.

Most taxpayers (and most professional tax preparers) are clueless about these small-business-friendly tax savings, for a variety of reasons:

· The media gives very little publicity to these laws,

· Small-business tax law is not part of the ciriculum in most accounting schools,

· Knowledge of small-business tax law is not tested on CPA exams,

· IRS "publications" focus mostly on what you cannot deduct, not on what you CAN.

Here's how your business can qualify for Small Home Based Business Tax Savings...

In order to be in compliance with the IRS," you must:

1. Be able to Prove that you Intend to make a Profit.

o Write a Business Plan

o Estimate when you expect your business to become profitable

o Continually work to improve and expand your business

2. Tend to your business on a Regular and Consistent basis

o Regular and consistent activity is much more important than the number of hours.

o As little as 41 hour, 4-to-5 days a week is sufficient for the Tax Court

o Document your business activities in a day planner with ledgible notations.

3. Maintain Accurate Records

o Document All Business Income

Deposit all business income into a Business-only checking account

Keep a running log showing, for each check received:

Date received
Amount received
Source of income (company name, etc.)
Purpose of income received (i.e., Products Sold, Commissions, Bonuses, etc.)

o Document All Business Expenses

Use a business-only checking account for all business expenses
The purpose is to keep personal funds and business funds from co-mingling.
Use one or more credit cards exclusively for business expenses
Keep from co-mingling personal and business charges
Interest and fees on business-only cards are Tax Deductible.

o Document All Your Business Activities

A Daily Record is acceptable documentation(IF it is accurate and complete)
Show regular and consistent activity(as opposed to sporadic, inconsistent activity)

In my next article I will discuss what exactly you are able to deduct to take advantage of operating a small home based business for maximum tax savings.

What Should you do Next? Join the Savings Highway today and reap the many tax saving benefits the were specifically enacted by Congress to keep the United states Economy Strong.

For more Information Contact :

Jim Roche NJ

(908) 413-5363

The Savings Highway

The Savings Highway, Estimated Tax Savings $50,000

A good majority of people fear tax season when April 15th rolls around, but I actually look forward to it and become almost excited. The reason is not because I enjoy filling out lengthy forms and paying the government large sums of money, but because it's only during tax time that I fully realize how much tax savings my small home based business saves me every single year.

Most people procrastinate by doing research and wondering whether their business idea even has a chance, but they are missing the point. They don't realize how much tax savings can be gained by operating a small home based business even if it initially is not profitable at all. So if you are even mildly curious about pursuing a business idea, you must take action and give it a try if not for tax savings benefits alone.

Not operating a small home based business, allows the government to tax your earnings at a much higher rate. All of your earnings get taxed as ordinary income (up to 35%) before you are even allowed to spend it. With a small home based business, you get to spend your money first and only get taxed on what is left over.

The best part is that even if your business is losing money on paper, you can pass these paper losses from your business directly to lower your own taxable income! Either way, your net worth benefits whether you are profitable or not.

What Expenses Are Deductible?

The IRS code states that any "ordinary and necessary" business expenses can be deducted from your business income prior to being to taxed. For the Savings Highway business, this includes computers, office equipment, machinery, office supplies, utilities and much more. In addition, by planning your vacations around your business trips, you can save a lot by deducting travel and entertainment expenses as well. The general rule is that as long as the expense is made for business and not personal purposes, you can deduct it from your business income.

Small Business Deduction Guidelines

Naturally, the IRS has put into place many rules and regulations on what can be deducted on your tax return. Otherwise, some small home based businesses would abuse these deductions over and over again. The following is a partial small home based business tax deduction guide along with an outline of the most commonly taken small business deductions.

Keeping in mind that I'm not an accountant or a tax lawyer. The following information is only a guideline and not taken as fact. Tax codes are constantly changing and your current tax advisor must be up to date with the tax code before deducting any expenses associated with your business.

Very few expenses are "always deductible." In most cases deductibility depends on why you incurred an expense, how you intend to use the product or service purchased, whether a purchase was exclusively for business use or partially for business use, etc

What Exactly Can You Deduct?

AUTOMOBILE USE: Your automobile can net you a deduction of 40½¢ per mile or more when used for business. That's a tax savings of more than $2,000 if you drive your car 5,000 miles for business purposes.
Estimated Tax Savings: $2,500

VACATIONS: With the proper combination of knowledge and planning, your non-deductible "vacations" could be converted into tax savings "business trips. This deduction is worth between $2,000 to $3,000 a year for almost anyone who takes annual vacations. It's 100% legal, but you have to follow some simple rules.
Estimated Tax Savings:$2,500

CURRENT HOUSEHOLD EXPENSES: If you use a portion of your home exclusively and regularly for business purposes, then a percentage of your rent (yes, finally renters get a tax break), utilities, homeowners or renters insurance, general maintenance and upkeep, cleaning services, and other "indirect expenses" that you are already paying for in after-tax dollars, could be converted into tax savings business expenses. This deduction alone may entitle you to deduct $4,000 to $5,000. Some restrictions do apply so make yourself aware of them.
Estimated Tax Savings:$4,500

HEALTH CARE COSTS: If you employ any family member part-time in your home-based business, and provide a formal, legally structured "Employee Benefit" called a "Self-Insured Health Cost Reimbursement Plan," you could deduct, as a business expense, every dollar spent on any kind of health care that is not reimbursed under any insurance policy - for your entire family (which includes YOU). This tax savings is worth an average of $3,500 for the typical family of four. There are a few important steps to setting this up.
Estimated Tax Savings:$3,000

COMPUTERS, PHONES, ETC. Equipment which you purchase specifically for use in your small or home-based business, can now be fully depreciated in the year of purchase. This applies to computers, fax machines, printers, routers, scanners, digital cameras, cellular phones, office furniture and most other business equipment.
Estimated Tax Savings:$25,000

MEALS & ENTERTAINMENT: Pick up the tab for dining with or entertaining potential clients, customers, prospects or anyone else who could contribute to the success of your business, entitles you to deduct 50% of the cost. Under certain circumstances, you may also be able to include your spouse and kids, and deduct their expenses also. Do you know how to deduct the cost of your own meal without picking up the tab for the person you talked business with? These are all 100% legal deductions, IF you know and follow some simple rules.
Estimated Tax Savings:$5,000

EVEN THE "ALLOWANCE" YOU PAY YOUR KIDS! Federal Tax Court has ruled that a child as young as 7-years-old can perform meaningful services as an employee of his/her parent(s) in a home-based business. The wages you pay your children are tax deductible for you as a business expense, and the income to the minor is tax-free (up to $5,000 per child, per year). The rules are very specific, but easily followed.
Estimated Tax Savings:$7,500

What Should You Do NEXT?

Join The Savings Highway TODAY

I'm Jim Roche of NJ, Savings Highway Member. When you join the Savings Highway, I will show you how much you are probably overpaying your taxes right now by NOT having a Savings Highway business... (the answer is $5000-$6000 a year!)

And I'll show you how you can get Uncle Sam to pay for the costs of joining and for operating your Savings Highway business!

When you find out that a Savings Highway home-business will put an extra $400-$500 a month extra cash in your pocket just from the tax savings, you should be ready to sign up for the Savings Highway for this reason alone."

Contact Me:

Jim Roche NJ

(908)413-5363

http://thesavingshighway.com

http://taxsavingshighway.com

Skype Id= jim.roche3

he Savings Highway, Home Based Business or Hobby? How IRS Determines Tax Savings

The Savings Highway, Home Based Business or Hobby? How IRS Determines Tax Savings

The Internal Revenue Service reminds all home based business operators to follow appropriate guidelines when determining whether an activity is a home based business or a hobby, an activity not engaged in for profit.

In order to educate taxpayers regarding their filing obligations, the IRS guidelines explain the rules for determining if The Savings Highway qualifies as a business and what limitations apply if the activity is not a business. Incorrect deduction of hobby expenses account for a portion of the overstated adjustments, deductions, exemptions and credits that add up to $30 billion per year in unpaid taxes, according to IRS estimates.

In general, taxpayers may deduct ordinary and necessary expenses for conducting a Savings Highway business. An ordinary expense is an expense that is common and accepted in the taxpayer's trade or business. A necessary expense is one that is appropriate for the business. Generally, an activity qualifies as a business if it is carried on with the reasonable expectation of earning a profit.

Auditors are being told to use several tests to determine if your "activity" is really a "hobby" or a "business." Hobbies get a few tax breaks, but home-business owners get substantianly more!

If they can reclassify you as a hobby, the IRS gets more of your money.

IMPORTANT: As A Savings Highway representative. One of the tests that is not well understood, has to do with how much time you spend on the activity.

You need to prove "Material Participation" in your Savings Highway opportunity. Here are seven ways to prove you qualify for the tax savings:

1: If you work your business at least 500 hours per year. Tax Savings Allowed

2. If you work your business at least 100 hours per year AND no one else working in your business puts in more time than you do.Tax Savings Allowed

3. The taxpayer does substantially all the work in the activity.Tax Savings Allowed

4. The activity is a significant participation activity (SPA), and the sum of SPAs in which the taxpayer works 100-500 hours exceeds 500 hours for the year.Tax Savings Allowed

5. The taxpayer materially participated in the activity in any 5 of the prior 10 years.Tax Savings Allowed

6. The activity is a personal service activity and the taxpayer materially participated in that activity in any 3 prior years.Tax Savings Allowed

7. Based on all of the facts and circumstances, the taxpayer participates in the activity on a regular, continuous, and substantial basis during such year. However, this test only applies if the taxpayer works at least 100 hours in the activity, no one else works more hours than the taxpayer in the activity, and no one else receives compensation for managing the activity.Tax Savings Allowed

In order to determine wether the Savings Highway is a qualified home based business or hobby, taxpayers should consider the following factors:

* Does the time and effort put into the activity indicate an intention to make a profit?

* Does the taxpayer depend on income from the activity?

* If there are losses, are they due to circumstances beyond the taxpayer's control or did they occur in the start-up phase of the business?

* Has the taxpayer changed methods of operation to improve profitability?

* Does the taxpayer or his/her advisors have the knowledge needed to carry on the activity as a successful business?

* Has the taxpayer made a profit in similar activities in the past?

* Does the activity make a profit in some years?

* Can the taxpayer expect to make a profit in the future from the appreciation of assets used in the activity?

The IRS presumes that an home based business is carried on for profit if it makes a profit during at least three of the last five tax years, including the current year — at least two of the last seven years for activities that consist primarily of breeding, showing, training or racing horses.

If an activity is not for profit, losses from that activity may not be used to offset other income. An activity produces a loss when related expenses exceed income. The limit on not-for-profit losses applies to individuals, partnerships, estates, trusts, and S corporations. It does not apply to corporations other than S corporations.

Tax savings for hobby activities are claimed as itemized deductions on Schedule A (Form 1040). These deductions must be taken in the following order and only to the extent stated in each of three categories:

* Tax savings that a taxpayer may take for personal as well as home based business activities, such as home mortgage interest and taxes, may be taken in full.

* Tax savings that don't result in an adjustment to basis, such as advertising, insurance premiums and wages, may be taken next, to the extent gross income for the activity is more than the deductions from the first category.

* Tax savings that reduce the basis of property, such as depreciation and amortization, are taken last, but only to the extent gross income for the activity is more than the deductions taken in the first two categories.

As you can see from the guidelines established by the IRS qualifying as a legitimate home based business such as The Savings Highway are extremely straight forward. (Work at your business opportunity for 100 hours a year, and intend to make a profit). Turn your everyday activities (Eating and Driving) into substantial tax savings when you join the Savings Highway today.

Contact Me:

Jim Roche NJ

(908)413-5363

thesavingshighway@gmail.com

http://thesavingshighway.com

http://taxsavingshighway.com

Skype Id= jim.roche3

The Savings Highway is Here

The Savings Highway is here, and you can get on and ride it into your dreams. What is the Savings Highway ? It is a business that enables anyone to save significant amounts of money. But more than that, anyone who wants to can ride the Savings Highway into an incredible residual income for themselves--$5,000, $10,000, even $30,000 or more every month in additional income for themselves. As a member of the Savings Highway, you can truly retire early, in anywhere from just 12 weeks to just 12 months. This is no joke, and it's no mistake. This business has been painstakingly planned and built by experienced marketer and owner of three successful companies, CEO Steve Gresham, and his wife and company CFO Maria to make it so that in just three months to one short year from now anyone can be financially independent and living out their fantasies. And how do you get there? You get there by helping other people. In today's economy and with today's stock market woes, what are people most concerned about? They are concerned about making more money, saving more money, and securing their future financially. More and more people today are turning to home-based businesses that are powered by the miracle that is the Internet. They don't trust the government's Social Security or any other programs to help them with their financial future. They don't know if they'll even have a j-o-b in a couple of months, and even if they will they want something better for themselves and their families. They want to be in control of their destinies, not working slavishly for someone else. People today also can't trust the banking industry. Too much of it has collapsed, and the returns on money markets and savings accounts today are dismal to say the least. The stock market even has become too risky for the average person to trust. According to Steve and Maria Gresham, "We were tired of companies that promised the world, but didn't deliver. We started Savings Highway so that Americans could find a home they could believe in--a company that pays on time, every week like clockwork, and delivers real world benefits that actually work to help people save money. We've aligned ourselves with Aetna , General Electric, Entertainment Online, Restaurant-dot-com, Legal Club of America, and other powerhouse companies to provide the best savings benefits and combined them with a 'Retire Early Plan' that anyone can use to make a significant monthly income." The savings benefits of the Savings Highway alone are worth the membership, and they are vast. They include everything from pre-paid legal services to a very affordable dental plan. You'll save money on groceries and dining out, on entertainment and even on your taxes. If you do nothing else, you can realize savings of $200 to $500 every single month and lower your income tax bill by as much as $6,000 a year. But if you really want to retire early, you can use the Savings Highway as the best home-based business opportunity going today. The Retire Early Plan is simple: *Join the Savings Highway *Introduce two new members *Use your membership to save money *Help them to do the same If you can follow such a plan, you can turn the Savings Highway opportunity into your "full time" business while making far more money than you are by working your j-o-b. Or you can use it as just one of several home-based residual income businesses that you use to create multiple streams of income and realize financial independence and abundant wealth. Why not get on and ride the Savings Highway today? Live the life that you have dreamed of--not the one that the government dreams up for you. ABOUT THE SAVINGS HIGHWAY Savings Highway was established in 2006. We have combined the "best of the best" family savings programs into one easy, affordable membership, and we have added an exclusive "Retire Early" Program that Americans can plug into to make their financial dreams a reality. CONTACT INFORMATION Jim Roche, NJ (908) 413-5363 http://thesavingshighway.com Skype Id: jim.roche3 Yahoo Id: jimrochenj MSN Id: jimrochenj Savings Highway 1860 Barnett Shoals Rd. Suite 103 PMB 405 Athens, GA 30605 Savings Highway was established in 2006. We combined the "best of the best" family savings programs into one easy, affordable membership, and we have added an exclusive "Retire Early" Program so that Americans can make their financial dreams a reality.