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by Deborah Fowles

Itemize Deductions
Part of sound financial planning is ensuring that you don’t pay more taxes than necessary, which means you need to have at least a basic understanding of itemized deductions, even if an accountant prepares your taxes. It’s especially important if you prepare your own taxes.

What Is Itemizing?
Each year when you file your income tax return, you have to choose between using the standard deduction (a flat amount) or claiming your actual allowed deductions, called itemizing. If your actual expenses exceed the standard deduction, you’ll save money by itemizing.

What’s the Difference Between the Standard Deduction and Exemptions?
The standard deduction is a flat amount that you deduct from your taxable income if you don’t itemize, and shouldn’t be confused with exemptions, which you’re entitled to whether you itemize or not (unless your income exceeds certain limits).
Either way, for 2007 you get a $3,400 personal exemption for yourself, $3,400 for your spouse, and up to $3,400 for each person you can claim as a dependent. Personal exemptions are phased out at certain income levels. See Publication 501 for details.

If you don’t itemize, the standard deduction for tax year 2007 is as follows:
• $5,350 if you file as single
• $7,850 if you file as Head of Household
• $10,700 if you’re married filing jointly or are a qualifying widow(er)
• $5,350 if you’re married filing separately

You’re entitled to an additional deduction, depending on your filing status, if you’re over age 65 or legally blind (see Form 1040). If you can be claimed as a dependent on someone else’s return, your standard deduction may be limited.

Should I Itemize or Take the Standard Deduction?
To determine if you have enough deductions to itemize, use Schedule A (included with the long version of Form 1040) to list all of your allowable expenses, and compare the total to the standard deduction for your filing status. If your allowable expenses are more than the standard deduction, you can itemize.

Over the years, the number of allowable deductions has been shrinking, so it’s increasingly difficult to itemize. Mortgage interest is the major allowable deduction for most people, and unless you have a very small mortgage, you probably paid enough interest to put you over the standard deduction and make it possible for you to itemize.

What Expenses Are Allowable Deductions If I Itemize?
Some of the most common allowable expenses include:
• State and local income taxes
• Real estate taxes (if your taxes include service fees for things like trash pickup, recycling, etc., only the portion related to the value of your property is deductible)
• State and local personal property taxes based on the value of personal property such as cars or boats
• Mortgage interest
• Charitable contributions
• Medical expenses (but only if they exceed 7.5% of your Adjusted Gross Income

Something we can share with…

I will continue to forward this every time it comes around!

STROKE: Remember The 1st Three Letters….

S.Ta.R. (Please don’t tell me you can’t do that)

Please read:

STROKE IDENTIFICATION:
During a BBQ, a friend stumbled and took a little fall - he assured everyone that he was fine (they offered to call paramedics) …..he said he had just tripped over a brick because of his new shoes.

They got him cleaned up and got him a new plate of food. While he appeared a bit shaken up, Bedol went about enjoying himself the rest of the evening.

Bedol’s wife called later telling everyone that her husband had been taken to the hospital - (at 6:00 pm Bedol passed away.) He had suffered a stroke at the BBQ. Had they known how to identify the signs of a stroke, perhaps Bedol would be with us today. Some don’t die…. they end up in a helpless, hopeless condition instead.

It only takes a minute to read this……
A neurologist says that if he can get to a stroke victim within 3 hours he can totally reverse the effects of a stroke…TOTALLY . He said the trick was getting a stroke recognized, diagnosed, and then getting the patient medically cared for within 3 hours, which is tough.

RECOGNIZING A STROKE
Thank God for the sense and easy way to remember the ‘3′ steps, STaR . Read and Learn!

Sometimes symptoms of a stroke are difficult to identify. Unfortunately, the lack of awareness spells disaster. The stroke victim may suffer severe brain damage when people nearby fail to recognize the symptoms of a stroke .

Now doctors say a bystander can recognize a stroke by asking three simple questions:
S * Ask the individual to SMILE.
Ta * Ask the person to TALK and SPEAK A SIMPLE SENTENCE (Coherently)
(i.e. It is sunny out today)
R * Ask him or her to RAISE BOTH ARMS.
If he or she has trouble with ANY ONE of these tasks, call 999/911/000 immediately and describe the symptoms to the dispatcher.

NOTE: Ask the person to ’stick’ out his tongue.. If the tongue is ‘crooked’, if it goes to one side or the other, that is also an indication of a stroke.

Wedding Guest Attire

From Cynthia Nellis,
Your Guide to Women’s Fashion.

What to Wear to a Wedding

Wedding guest style for her

• Informal Daytime: Short dress or suit (business attire OK for morning weddings)
• Informal Evening: Cocktail dress
• Semi-Formal Daytime: Short dress or suit
• Semi-formal Evening: Cocktail dress
• Formal Daytime: Short dress or suit. Hats and gloves optional.
• Formal Evening or Black-Tie: Long or dressy short cocktail (beading, glam accessories, wrap)
• Ultra-formal or White Tie: Long gown, extra glitz (furs, diamonds, etc.)

Do’s and Don’ts for Her

• Don’t wear white because it competes with the bride. There are plenty of other colors available.
• Don’t wear black or sequins during the daytime.
• Don’t worry about wearing the same colors as the bridesmaids or mothers. You can’t possibly coordinate with everyone in the wedding party.
• Do wear something feminine and appropriate, out of respect for your hosts. Clubwear, overtly sexy clothing (strapless, see-through, etc) doesn’t belong at a wedding. If you have to ask if it’s appropriate, it probably isn’t.
• Don’t wear opera-length gloves (to top of arm) with anything but sleeveless or strapless gowns.
• Do take off gloves to eat or drink.
• Do use good judgment if the invitation doesn’t specify the formality of the event. A pastel suit or soft floral dress for daytime or a little black dress for evening (after 6 p.m.) will take you almost anywhere.

Wedding Style for him

• Informal Daytime: Dress shirt and pants, preferably a sports jacket.
• Informal Evening: Suit
• Semi-Formal Daytime: Suit
• Semi-Formal Evening: Dark suit
• Formal Daytime: Dark suit and tie
• Formal Evening: Tuxedo (if invitation states “black tie”) or dark suits if women wear short dresses.
• Ultra-formal Evening or White Tie: White tie, cummerbund, vest and shirt.

Do’s and Don’ts for Him

• Don’t try to get cute with a tuxedo. A black tux with white shirt and black bow tie is the best way to go. If “Creative Black Tie” or “Texas Formal” or some sort of other vague formal description is used, then going with a tux and black shirt, no tie, might be acceptable. Also, trendier cities like Los Angeles and New York might be more accepting of breaking with tradition.
• Do wear a dark suit, with a tie if the wedding is after 6 PM, and doesn’t say “Black Tie.”
• Don’t wear a tuxedo during the day time, regardless of the formality of the event.
• Do use good judgment if the invitation doesn’t specify the formality of the event. A dark suit and conservative tie will take you just about anywhere.

Getting Started in Fashion Design

* What you need to know about the fashion design industry, including:
- Why people buy fashion apparel
- Where the leading fashion centers are
- Who’s who in the fashion design world
- What the fashion categories are (haute couture, ready-to-wear and 5 others you should know)
- When designs are sold (the fashion seasons)
- What a fashion designer does

* A step-by-step overview of how to design a garment, including:
- Refining your idea (including identifying the style and who will wear it)
- Sketching the design
- Pattern making
- Steps for draping
- Choosing the fabric, color, trims, etc.
- Making samples
- Manufacturing garments

* How to develop your fashion design skills, including:
- Knowledge of textiles
- Sewing for the fashion industry
- Sketching by hand and CAD (computer design)
- Developing your eye for fashion
- How to identify trends
- Ways to enhance your creativity

* What to look for if you want to attend a fashion design school (includes links to the best online resources listing design schools and colleges)

* Other ways to educate yourself about fashion design without getting a degree or diploma