How to Compare Low Cost Health Insurance in Nevada Monday, August 30, 2010

Generally speaking, health insurance is one of the more costly insurances for individuals or families to purchase and almost 25% of all Nevada residents are without health care coverage.

Fortunately, if you are a Nevada resident wanting to compare low cost health insurance plans there are things you can do to make your search a little easier. First, if you meet certain low-income requirements you may be eligible for some medical coverage from the state of Nevada through its Medicaid program. Secondly, if you have children 18 years of age or younger, they may be eligible for Nevada's Check Up program which provides low-cost health care to almost 30,000 Nevada children statewide.

But for the majority of Nevada residents, the search for low cost health care continues.

So how do you compare low cost health care insurance in Nevada? Before we get into ways to compare coverages, let's discuss ways each of can help bring down our health insurance costs to begin with.

I know you've heard this before, but it's true: if you smoke or use tobacco products, just stop. Quitting is tough, but continuing to smoke and use tobacco is simply making your life worse and worse. The same goes for being overweight. Join a program or a gym or do whatever it takes to lose weight - not only will you feel better about yourself but you'll save a small fortune on health insurance premiums.

Next, write down on a piece of paper the types of health care that you and your family need the most. Do you have a lot of doctor office visits? A lot of hospital stays? Do you need help with prescription drugs? In a moment you'll go online and design a plan which focuses on the medical needs that are most important to you and your family.

How much can you afford to pay for your own health care each year? The more you can pay out of your own pocket the larger of a deductible you can handle. The larger your deductible the lower your monthly insurance premium will be.

Now it's time for you to get online and find some of the multitude of sites that allow you to compare health insurance policies and prices side-by-side. Here is where you plug in the information you wrote down earlier about your family's health care needs - and then compare policies and prices.

Don't stop after looking at prices on just one site. Each site has a different base of programs that they compare - the only way for you to know for certain that you've compared and found the lowest cost health insurance in Nevada is to run your figures through at least 3 different websites.

It is a lot of work to compare low cost health insurance in Nevada, but the time you put into finding the best program for you family today can pay off in lower premiums for years to come.




My recommended sites here:

Low Cost Health Insurance Quotes in Nevada
Quick Health Insurance Quotes Online

How to Find Cheap Health Insurance Online in Nevada Monday, August 23, 2010

Finding cheap health insurance online in Nevada is a challenge for many. Finding health insurance at all is a tremendous challenge. In fact, according to government statistics fully 25% of all Nevada residents are not covered by any form of health insurance.

And yet health costs keep rising and the need for some type of health insurance keeps rising, too.

So how do you go about finding cheap health insurance online if you live in Nevada?

Let's start with a few basics. There are several factors which contribute to high health insurance premiums and by keeping those factors under control we can at least mitigate the cost of health care to some extent.

Smoking and obesity are two of the big factors in rising health insurance premiums. There is no question that smoking and using related tobacco products results in a shorter lifespan and in additional health care costs. Those costs are passed along to the smoker in the form of higher monthly health insurance premiums.

Obesity is another major contributor to rising health insurance premiums. Obesity can lead to a multitude of illnesses, the most common of which is diabetes.

Losing weight and giving up tobacco products are not easy to do. However, if you truly want to find cheap health insurance online here in Nevada you need to recognize the need to do so.

If you drive a sports car or have a dangerous job, these are two more factors which add to your health care costs.

Your deductible is probably one of the biggest factors over which you have control and which can drastically alter the cost of your health insurance. Your deductible is the amount that you will pay yourself every year for your health care before your insurance begins its coverage. The larger your deductible the smaller your monthly health care premium.

Many people no longer look to health care insurance to pay for routine doctor visits and other small health costs. Instead they purchase cheap health insurance with a large deductible and count on their insurance to provide catastrophic care in case of a major accident or illness. Without this type of catastrophic care a family's lifesavings could be wiped out by a single accident or illness.

Once you have decided on your deductible and done everything you can to bring down the cost of your premium, it's time to go online to find the cheapest health insurance you can in Nevada. There are several different websites that will allow you to enter your information and compare policies and prices between several different companies. However, do not think your job is done after looking at the comparisons from just one site - each site has a different universe of insurance providers which they use for comparisons, so it is necessary for you to input your information on at least 3 different websites before you will know for certain where the cheapest health insurance online in Nevada really is - but once you find it, your savings will go on and on for years to come.




My recommended sites here:

Cheap Health Insurance Quotes Online in Nevada
Quick Health Insurance Quotes Online

Black American Saddlebred Horses For Sale

Far Field Farm offers two black American Saddlebred horses for your consideration. Top bloodlines, athleticism, and beauty are the hallmarks of these two young horses. Both have exceptional personalities, trainability, and are very human oriented. The four year old mare is 16 hands. The three year old gelding will probably reach 16.2+ hands at maturity. The mare is going under saddle and the gelding has just been started under saddle. Easy to manage, no behavior problems, and either would make a lovely sport horse. Contact Far Field Farm for more information. Included in the price of each horse is a week with Eitan Beth Halachmy of Cowboy Dressage in the beautiful foothills of the Sierra Nevada Mountains in California.



http://www.youtube.com/watch?v=w9GuKPdO7yI&hl=en

Cheap Car Insurance in Las Vegas, Nevada

Living in Las Vegas, Nevada would be a dream come true for many people. To be able to walk down the strip each night soaking up the ambiance and excitement seems like a wonderful way of life. Although the day to day routine in Las Vegas may be different than in other cities, there are some things that are the same regardless of where you live. One of these things is car insurance. Trying to find cheap car insurance in Las Vegas, Nevada is something most residents strive for.

Although comprehensive and collision coverage are optional for drivers in Las Vegas, liability coverage is mandatory. This means that everyone, regardless of what their driving history is or what vehicle they drive, must have at minimum some liability coverage. Although this is certainly satisfactory and acceptable to many drivers, others need more substantial coverage.

There are certain discounts that are available to residents of Las Vegas that can help them enjoy a cheaper car insurance rate. Many insurance agents don't ask about these discounts so it's important for individuals to be aware of them, so they can question their agent about how they apply to their rate.

One discount applies to homes where several people drive. Often when two people marry each will continue to use their own auto insurance company. They likely have never considered that by combining their vehicles into one policy they could actually enjoy a substantial savings. It's a good idea when one policy is up for renewal to ask about the added cost of the other vehicle. To do this you'll need to know the make and model of car that your spouse drives as well as their recent driving record. The same is true of parents who have children who drive. Adding the child to the policy may be costly depending on their age, but it can also prove beneficial in many cases.




Recommended sites for low rate insurance

Cheap Car Insurance Quotes in Las Vegas, Nevada
Instant Auto and Home Insurance Quotes

Take Drivers Education Online Sunday, August 22, 2010

As gas prices are going up day by day, people now prefer to study from the comforts of home. They want to save their gas money for some other good deals - $4+ per gallon is too much to spend.

Online Learning - Is this a new idea?

Online learning or e-learning is not a new idea but this has been promoted a lot in the last few months since the extra ordinary increase in the gas prices. In this current scenario, taking online diving classes or drivers education online is great idea to learn from the comforts of home and save money of commuting.

Why go for online driving classes?

Online driving classes are customized, self-paced, and more attractive and interactive as compared to the orthodox class-room based models. There are many states in the United States (such as Texas, California, Nevada, and Florida) that recognize online drivers education. There are states that do not acknowledge online education; thus, people who are interested in drivers online education must check their states rules and regulations before starting drivers online education.

Practical is important

It is important to understand that driving is something which you have to do practically - you have get behind the wheels to complete the learning with a qualified instructor or parents or guardian. What you learn online is all theory, for practical, you have to sit in the driving seat - literally.

Online learning is not for people who can be easily distracted

While taking an online class, switch off all your other activities like, music, IMs, games, etc. They will easily distract you and you might not able to get the desired results. Online learning is not for those people who can be easily distracted - they better take class-room based training. Further, always concentrate on the material, don't skip material and never try to cut the corners.

In the end, we can say that online drivers education is a good way to learn and get certification while staying in the comforts of your home - and saving money of commuting. In the online training, people can learn easily as the courses are generally user friendly, self-paced, and easy to comprehend. On the contrary, the class-room based trainings are not much interactive as well as the instructor can't concentrate on every individual as he has to consider the whole class rather than an individual.




Syed Rehan is associated with Drivercampus - An online driving school

The Benefits of Prenatal Massage Saturday, August 21, 2010

The health benefits of massage are immense. Massage has been used for centuries due to the powerful healing associated with physical touch. Studies have shown that physical touch is a necessity, just like people need food and water, people need touch. Touch provides people with comfort and allows them to grow and flourish. Massage uses the power of touch to provide numerous healthful benefits such as easing muscle pain and lowering blood pressure, all the way to boosting natural immunity. As massage continues to increase in demand, it is common to see massage practiced in a variety of different settings including massage parlors, spas, homes, and even in doctor's offices.

Pregnancy massage has been growing in popularity due to its healing and relaxation properties to both mom and baby. Prenatal is often a cherished time, and awaiting the birth of a new baby is exciting and exhilarating, however, the effects of prenatal can wreck havoc on a blossoming body. Many pregnant women experience uncomfortable bodily changes including increases in swelling, muscle tension, and other various aches and pains. Prenatal massage can help relieve some, if not all of these unwanted effects. In fact, massage has the power to reduce stress, promote relaxation, stimulate the circulatory system, relieve aches and pains, and prepare the muscles for childbirth.

Despite the mounting physical prenatal stressors, a pregnant mother may also experience increases in mental stress as well. Common prenatal stressors include fears regarding the birth and health of the baby, fears about parenthood, and fears may even stretch into thoughts of returning to work again. Prenatal massage can help alleviate these unneeded stressors through relaxing touch. The influence of touch is very powerful and when the mother is relaxed through the natural healing of massage, the baby also feels the healing benefits as well. If mom feels good, baby is more likely to feel good too.

With all these benefits of prenatal massage, you may be left wondering "Are there any differences between a prenatal massage and a standard massage?" Yes, there are a few notable differences. For instance, pregnancy massage should only be performed by a massage therapist trained in prenatal massage. In addition, more attention to comfort is provided during a pregnancy massage. The massage therapist will often provide extra cushions for support and will habitually position the pregnant women differently such as on her side versus her stomach to maintain maximum comfort levels. The great thing about prenatal massages is that they are specifically customized to you and your body to help you achieve the most relaxation possible from the session.

In addition to all the wonderful effects of prenatal massage, it is SAFE. Go ahead and enjoy the time you spend being pregnant. Stop dealing day after day with unnecessary aches and pains, and indulge yourself and your baby with a wonderfully relaxing prenatal massage in Reno.




New Spa offers a variety of relaxing services ranging from massage, facials to waxings. Stop by for a relaxing spa retreat in Massage Reno!

Napa Valley Vacation Packages

Napa Valley vacation packages are the easy, convenient, and affordable way to plan holiday vacations. Tourists to Napa Valley can avail a number of vacation packages that will suit their taste and budget. These packages allow you to plan, price, and book your vacation in Napa Valley. All Napa Valley vacation packages include activities such as hot air ballooning, golf, horseback riding, biking, tennis, and boating. You can also enjoy shopping, dining, and nightlife in the area.

Napa Valley is a lush, 4 miles wide valley in California with charming towns, vineyards, and rural scenery. It is a home to unique attractions such as the Petrified Forest, the Old Faithful Geyser of California, and Safari West wildlife preserve. Most packages are designed with your comfort and enjoyment in mind. Vacation packages can frequently be customized to meet your requirements.

Napa Valley vacation packages comprise of a cave tour for an in-depth perspective, private tours of several select wineries, tram rides to a scenic hilltop vineyard, wine tasting followed by visits to antique shops and beautiful gardens, and breathtaking balloon journey over the valley. It also includes additional evenings that are available at an additional cost. It is available for all budgets. Since the vacation packages include airfare, accommodations, and entrance fees, it saves you the expense and trouble of planning a trip to the vineyards.

Napa Valley has thousands of vacation resorts, inns, bed and breakfast's, spas, and lodges. Most of them offer fine vacation packages year round. They inspire travel companies to come up with a wide variety of theme-based vacation packages. Napa Valley spa vacation packages are a right choice for your personal health requirements. You can have facial treatments, massage, aroma therapy, and body wraps. If you are worried about the cost of the packages, you can opt for Napa Valley cheap or discount vacation package. It will minimize your expense and maximize your enjoyment.




Napa Valley [http://www.z-NapaValley.com] provides detailed information on Napa Valley, Napa Valley Hotels, Napa Valley Wine Tours, Napa Valley Wineries and more. Napa Valley is affiliated with Reno Nevada [http://www.Nevada-Web.com].

The Foreigner's Guide to Owning an American Business Friday, August 20, 2010

The USA features one of the largest and most prestigious markets in the world today. The Internet has opened up incalculable income opportunities for the small businessperson worldwide. There is a growing list of individuals living in foreign lands that strongly desire to own an American business, tapping into this vast marketplace, while continuing to live in their homeland. This article will briefly touch on the subject of how you can setup and operate a business in the USA while living in a foreign land.

Why would you want to own an American business?

Generally, Americans prefer doing business with American companies because they expect American quality and have legal recourse if the company doesn't deliver on their product or service as promised. This may not be true when they make a purchase from a foreign business. If you market your goods through your American business, you can overcome this limitation.

The American buyer needs to have confidence in a company they wish to make a purchase from and image is of paramount importance. You may live in a foreign land, but if your business has its address, bank account, and phone number in the USA, you have already laid substantial credibility to your company. Also, American suppliers may be more cooperative with your company in America than overseas.

Overcoming demographic issues

It may seem overwhelming to you when considering the idea of setting up your own American company. Actually, most steps are rather simple and it isn't too difficult to find qualified services and consultants that can walk you step-by-step through the complete process for a reasonable startup fee.

Meeting legal requirements

It isn't a requirement to be an American citizen or even live in the USA to own a company here. You can hire agents to setup your corporation or LLC (Limited Liability Company) for you for less than $700 (US Dollars), and maintain your own business address with receptionist for about $200 - $300 per month. Your phone number will cost about $30 per month. Business licenses are low cost and renewed annually. Your company will be required to obtain an Employer's I.D. from the U.S. Internal revenue Service (IRS) since it must pay taxes it earns. If you setup your company in the state of Nevada, Delaware, or Wyoming, you won't have any state corporation or personal state income taxes.

One problem that faces a foreigner establishing an American business is the establishment of a business bank account in their state of business. It's important for the corporation to have a bank account in its home state (the state of its incorporation). This is one of the tests to validate that the business is legal.

Most banks here require the business owner to open their bank checking account in person. The individual that is authorized to sign checks on the account must sign the required bank signatory card in person. Normally, this requirement would necessitate a trip to the USA by the foreign business owner. But, there are creative ways to circumvent this issue. Some small Internet companies even utilize their PayPal Premier Business Account to handle many international sales payments, though a bank checking account is still necessary.

There are various legal structures for American companies, but you will likely use either the "C" corporation or LLC (Limited Liability Company) structure. The "S" corporation structure isn't available to nonresident corporate owners. The service or consultant you select to assist you in setting up your new business will help you understand what you need so you can make an intelligent decision as to the best way to proceed.

Once your business is established, it isn't to difficult to maintain its legal status. Don't be overwhelmed with this process. It's more than worth the effort to establish your own business in the USA. It can open many business opportunities that simply are not available to nonresident businesses. Even many established and successful companies like Sony, Mitsubishi, Panasonic, Honda, and Hitachi have opened up American branches and businesses for these reasons. Learn from their examples and gain many of the same benefits.




Bob Dean Stanford, aka "Maverick" is a 61 year old International business consultant (now specializing in small business), television show host and producer. He served as Sr. consultant to law offices, specializing in formation of corporations, LLCs, business plans, loan packaging, corporate bankruptcies, new product development, marketing, and general business consulting.

As a published author, TV/radio personality and business consultant, he creates "How to" books for small home businesses, and producing and hosting the upcoming television (TV) show, "The Maverick Entrepreneur." He is just completing his latest book "The Foreigners Guide to Owning an American Business."

Free subscription to "Maverick's Tips" newsletter teaching tricks of the home and Internet marketing trade. One unique feature, we cover topics related to expatriates and foreigners operating a USA business while living abroad. Click on the 1st two links below to subscribe.

http://maverickentrepreneur.com
http://stanfordtc.com
http://webvideopros.com

email maverick@stanfordtc.com
Phone 877-702-1157

Martin Azzam Northern Nevada Sport Jujitsu Championships 1

Sport Jujitsu



http://www.youtube.com/watch?v=_9tvQLS_h3g&hl=en

The Basics of Jumbo Mortgage and Conforming Limits Thursday, August 19, 2010

Your Two Options for Mortgage Loans

Here, we will take a look at the basic information that you need to know about mortgage loans. Basically, there are two types of mortgage loans that you can take advantage of if you would like to purchase a residential real estate property:

1. Conforming Loans
This is a type of mortgage loan specifically designed for Americans - which conform to the guidelines enforced by GSEs or Government Sponsored Enterprises. Generally, the rule of thumb to follow is that any type of loan which does not meet the GSE guidelines is called a non-conforming loan.

2. Jumbo Mortgage
Also called a jumbo loan, this is a type of mortgage loan which has a loan amount that exceeds the guideline limits set by GSEs. To give you an idea about what jumbo mortgage is all about, they are actually a higher risk for lenders and the interest rates are generally higher than a conforming loan.

Learning about the Ins and Outs of Jumbo Loans

Now that you already have an idea about the two types of loans, how do you know if you are actually taking advantage of a non-conforming loan which takes the form of a jumbo mortgage? The limits for non-conforming loans are actually set by the two GSEs Fannie Mae and Freddie Mac. These agencies set the limit on the maximum value of an individual mortgage which will be purchased from a lender.

Currently, the limit is set at $417,000 - so any loan amount below this limit qualifies as a conforming loan. Anything above this amount is already classified as a jumbo loan. Another thing that you need to keep in mind regarding jumbo loans is that the loan amount depends on the median cost rate of the houses in your area. This just goes to show how important it is for you to familiarize yourself with the local real state market in your area.

Despite the costs involved, there is absolutely no need for anybody to feel intimidated with jumbo mortgage loans. It is offered for one reason - so that anybody who needs a higher-than-normal amount for a mortgage loan can take advantage of one, without having to compromise the quality of the real estate property that they can purchase. This is precisely the reason why you need to take a long, deep assessment of your current financial status before taking on jumbo loans.

After learning about the higher-than-normal interest rates, do you think that you can afford to make a payment for the monthly mortgage premiums? If the answer is yes, then there is absolutely no reason why you should say no to the prospect of taking advantage of jumbo loans.

Familiarizing yourself with the concept of jumbo mortgage is the best thing that you can do if you want to decide whether or not you should go for it. By doing so, you can weigh in the pros and cons of choosing a jumbo mortgage - and learn about the consequences that it will have to your finances, if any.




Rob K. Blake, mortgage expert and author, educates mortgage shoppers on finding local providers by state like Nevada Mortgage Brokers and Lenders and provides reviews of national companies like America's Servicing Company.

Practice Permit Test - Your Key to Passing the DMV Learner's Permit Test on the First Try

A practice permit test can be found online, in a good driver education class, or through online driver ed programs. But be careful! All of the online variety are written and edited by people from a variety of backgrounds. An article in a major Sacramento newspaper stated that the owner of one of the top online driver ed courses did have a license...but it was for pest control!

I am the owner of a driving school in Folsom, CA. We have taught driver education and driver training for over 18 years. 10,000 or more students. So we have a pretty good idea of how to prepare our students for the DMV test. In fact we have 2 former DMV Examiners on our staff. Here are some of our recommendations for getting your learner's permit and driver's license...and making sure you are SAFE when you start driving.


  • Our first recommendation would be to get yourself into a classroom driver education course. If you take a class as opposed to the online version, you will have the opportunity to ask questions and get clarifications from a living, breathing teacher who can see if you are "getting it" or not. Online? You get it or you don't.



  • If you can't find a driver ed class in a classroom, then ask around and find the best possible online driving course.



  • Regardless of which way you go, be sure you take a practice permit test...or TEN! The only way to be sure you know the rules of the road, and right down to the smallest detail, is to work through as many practice permit test questions as you can before getting to the DMV. You need to find out just what kind of questions will be asked, how they will be worded, and what kind of details need to be learned. The best free practice permit test one we have found is at the link in this sentence. They offer a free sample permit test of 20 questions with no strings, so you can see how you do and see if you like their product. If you are in California, the dmv has a great free practice permit test too at the their site. The dmv practice test is just like the real thing, of course, and is a good prep for you.

Driving is going to be fun, but it does carry a ton of responsibility. Take the right approach now, by starting off with learning the rules and safety issues before getting behind the wheel. An online course can be "Quick" and "Easy" and "Cheap," but this is no time to cut corners.



Nevada Auto Insurance Wednesday, August 18, 2010

Nevada auto insurance is required by the state. Drivers who are caught operating a vehicle that is not insured are subject to penalties, fines and suspended licenses. There is little chance that drivers can get away with driving without insurance because the state keeps tabs on the vehicles.

Technology is impressive and this includes the technology used to track vehicles that may or may not have insurance. The state of Nevada is well aware of which cars and trucks have been updated and which ones have policies that have lapsed. The process of keeping track used to be overwhelming but today it is quite simple.

The state uses a computer program to keep track of vehicle insurance coverage. The system alerts the state when a policy has been terminated or canceled and it gives a red flag to ones that have not been reinstated or replace by another policy. The Department of Motor Vehicles works diligently to follow up on each red flag.

Drivers will receive a time-sensitive letter that needs a response within twenty days. The letter requests proof of insurance of proof that the vehicle has been sold and relocated. Consumers can either send a response via regular mail or they can visit the DMV website to make a response.

Minimum Requirements for Nevada Auto Insurance

Since the prospect of getting away without insuring your vehicle is bleak, it is prudent to make sure that you have at least the minimum insurance coverage required by the state. Drivers can stay legal by purchasing at least 15,000 dollars for bodily injury for one person and 30,000 dollars for two or more people in any one accident.

Property damage also needs to be addressed in the state of Nevada. Consumers need to have at least 10,000 dollars of this type of coverage for any one accident. The bodily injury and property damage liability policies are the only necessities mandated by the state.

Comprehensive and collision coverage are not mandated by the state but they are very valuable additions to a policy. The minimum is fine for staying legal. However, a more expansive Nevada auto insurance policy is ideal.




Check Insurance Rates.org is the premier online destination to compare insurance rates nationwide to ensure you're getting the lowest rate possible. You can check auto, health, home, and life insurance rates. Industry leading auto insurance comparisons.

More About Handles - Safety Vs Style! Monday, August 16, 2010

So, I've been buying pots and pans for some time now and still find differences in the style of the handle and how the handles are attached. I don't always find the best handle mounted on the best, or high quality cookware.

As I mentioned in my recent article "What's in a handle? More than you think", comfort and balance are both necessary and critical. Without either you could be in danger of losing your grip and spilling the contents of the pan. With luck, you don't get burned. At the least the meal may be ruined. Style seems to win more often than practicality. That is until one puts the pan to use and grudgingly finds out how difficult it is to use.

So, just as the carpenter finds the right hammer for the job, the handle is as important as the weight and shape of the hammer head. If the handle is too skinny you won't get enough of the surface of your hand on it. If the pan is off balance the pan will want to tip to one side. If the handle is too fat, you'll likely need two hands. Bottom line - don't walk out of the store without handling each size pan. Get a good feel before your purchase. When you've got the right feel you'll have the confidence you need to do some great cooking!

Next, how is the handle attached to the pan? Rivets? Welded without rivets? A mechanical clamp? "What is that," you ask? Hey, a well know maker of ceramic cookware that advertises you can take their product from fridge to oven to table to dishwasher also created a handle that, with a twist of a knob, you could clamp the handle onto the ear-like molded features. Believe me, I had a couple, and still do. They were practical and they still get an occasional use, but it took some time to fully trust the clamp.

Are rivets the best? Are handles that are welded onto the side of the pan better? Who's to say? I've used both for many years. I think the biggest argument I hear is that people are worried about cleanliness. I don't know of anyone who has gotten sick from either. They say it's harder to clean around the rivets. As long as you take the time to properly clean the pan after each use, there shouldn't be a problem. I say, don't avoid one or the other, make your first choice feel and balance, then style, then and only then, worry about the rivets.




About the author: Jeremy Spreitzer is married, a father of one and an entrepreneur, that believes food is one of the most important qualities of life to bring families closer together. To find the best tools for your kitchen please visit: http://www.cooksupplystore.com

The Art of Teaching Sunday, August 15, 2010

Rachael Mason is a geography teacher at Beak Wing high school in Billing, Nevada.

You said it. Teaching is indeed an art. With a little practice and patience, you can master this art. But like other arts, you cannot force yourself into teaching. Face it- if you don't like teaching, you can never be a good teacher. You need to LOVE teaching to be a great teacher. You need to inspire your students to give their best.

For all the new teachers, I have one simple tip- be friendly with your students. Let them open up to you. But draw a certain line. Keep the classroom environment lively, but keep in mind that you are still in charge. Do not get to their level completely. There has got to be a blend of friendship and seriousness. If you get right to their level, they will not respect you any more, and just treat you just like their friend. This is wrong. If you want to control them, you have to show that you are the leader.

Of course you need to have a good understanding of your subject. If you do not know your subject well, then you just cannot be a good teacher- that's pretty obvious. Another important thing is mutual understanding. Understand their problems. They are also humans. Act kind and considerate. If they have some problem, you can discuss it out with them, and make them feel that they have someone whom they can rely upon. Once you gain that trust- your battle is won.

It is very important that students trust you, and respect you. If they respect you, then you have that art, because respect is the ultimate goal that all teachers want.

I have seen many teachers get frustrated at their students and telling me about how stupid their students are. I think that's a negative attitude. We all must understand that all students don't have the same IQ, and some students might be good in other subjects while they are weak in yours. You should actually take them as a challenge instead of getting frustrated. Listen to them patiently, and solve their problems. Maybe they were not taught by good teachers earlier and their base is weak. You should solve their problems so that they respect you even more for building their base and making their foundation strong. This kind of attitude will make you a great teacher. Complaining will not solve any problems.




The author has been writing articles online for over 4 years now. Not only does this author specialize in health, fitness and relationships you can also check out his latest websites on Wedding Planner Courses and Outdoor Furniture Chairs

Nevada Bankruptcy, Following the Rules

Before filing for Nevada bankruptcy, people must find out what bankruptcy means and what consequences there will be.

The Nevada bankruptcy system has the following definition for bankruptcy: it is a business or person's legally declared inability to pay off their debts. Although the Nevada bankruptcy court may be considered as a last legal resort, sometimes it is necessary and can also mean the only way out for a person or business. This means that by filing for Nevada bankruptcy, someone can continue living his financial life whenever there's a financial setback of any kind.

Facing your life after filing for Nevada bankruptcy is not an easy task. It always gets a lot harder before getting any easier. We, as a professional bankruptcy counseling company, always suggest people think twice before making this final decision.

Angela Anderson, former client of Personal Bankruptcy Avoidance, had to file for Nevada bankruptcy 4 years ago. We went through the bankruptcy process with her and also gave her advice on how to recover after the process ended.

Angela Anderson:
How does Nevada bankruptcy work?

Martin Rogers:
Nevada bankruptcy as a federal court process has 2 different kinds of proceedings: liquidation known as number 7 or by reorganization known as numbers 11, 12 and 13.
The first one, number 7, is the most recognized Nevada bankruptcy proceeding.
This process is used to get rid of all or part of an accumulated debt and to give the person a relief from financial breakdown.
A professional counselor will guide you through the process and will help you explore other options before filing for bankruptcy because sometimes debt relief programs can make a difference.

Angela Anderson:
If I file for Nevada bankruptcy, can I save my house?

Martin Rogers:
While Nevada bankruptcy is designed for specific purposes such as withdrawing from the program at any time during the collection process and stopping all harassment activity from letters to collection calls almost immediately; you can save your house by following some basic rules. First, a debtor has to receive 180 days of counseling from a non-profit credit counseling company before filing Nevada bankruptcy. Even though collection companies may have stopped contacting the client, they can still continue the collection process and can even serve the debtor with foreclosure papers. Meaning that you could end up losing your house even if you follow the procedure and hire your own lawyer. The Nevada bankruptcy trick lies in the timing of filing for bankruptcy be very careful and plan your filing.

Angela Anderson:
Is there a legal way to avoid Nevada bankruptcy?

Martin Rogers:
Of course. On my previous articles, I have stated the importance of thinking filing Nevada bankruptcy or any other bankruptcy system through. People need to see beyond all this and start looking for new debt relief options.

In conclusion, it is up to the debtors or the future clients to educate and brace themselves for worse-case scenarios. The Nevada bankruptcy system may be easy to grasp, but it is important to keep the consequences in mind. Applying in the Personal Bankruptcy Avoidance program is an excellent way of facing your debt problems once and for all. The program can also be used as training ground to avoid similar situations in the future. It surely will teach homeowners how to protect themselves under the new bankruptcy law. Most Americans do not have health or disability insurance and are vulnerable to work layoffs because of a stagnant economy.

We have different articles of interesting topics and current and former clients' experiences with our programs. Take a look at the different situations on debt related topics such as the Nevada bankruptcy process and learn how to keep yourself a debt free person.

Avoid Nevada bankruptcy and become debt free once more. If at the end of this process you do not feel filing for bankruptcy is inevitable, remember to seek professional counseling.




Martin Rogers is a contributing writer to http://www.personal-bankruptcy-avoidance.com and is currently writing some special articles to guide business on how to manage debt and avoid bankruptcy. For Free information on the Nevada Bankruptcy Information, call toll-free 1-877-850-3328

Is the Navajo Nation President Being a Hypocrite about Uranium Mining

According to the U.S. Energy Information Administration, about 80 percent of the electricity in New Mexico is generated each year by burning coal. The irony is that the dominant anti-nuclear group in New Mexico, Southwest Research and Information Center (SRIC), has shown no evidence of denouncing coal consumption. According to Don Hancock, an SRIC Administrator who directs the non-profit organization's Nuclear Waste Safety Program, the group's "spiritual mentor" is John W. Gofman. The former nuclear physicist is an aging, eccentric author who was discredited by the Atomic Energy Commission and was branded by the nuclear power industry as "beyond the pale of reasonable communication." As a kind gesture, Hancock gave us a copy of a Gofman "cartoon book," whose theme revolves around Thoreau's essay, "Civil Disobedience." Another cosmic ally is Amory B. Lovins of the Rocky Mountain Institute, a favorite Don Hancock icon.

While Gofman championed solar energy in his hey day, Lovins presently espouses hydrogen as a primary solution for transportation, wind, and increasing efficiency through natural gas. However, neither wind power nor solar energy is a relevant energy source in New Mexico. Hydroelectricity supplies about 0.7 percent of New Mexico's electricity generation. Despite the hoopla and hyperbole, all of other renewable energy sources combined supply New Mexico with a mere 0.6 percent of its electricity. Coal is, in a very big way, the overwhelming reason why New Mexicans are not living in darkness and without heat or air conditioning.

According to the Harvard School of Public Health, about 2400 people die every year from the air pollution caused from each million tons of sulfur dioxide emitted. In 1999, it is estimated that over 1.05 billion tons were produced, releasing 11.856 million tons of sulfur oxides and more than 5 million tons of nitrous oxides. Having personally inspected the first floor library of SRIC headquarters, no anti-coal mining literature was discovered. There appears to be scant fund-raising interest from these environmental activists to close down New Mexico's large coal mines. In fact, more U.S. coal mining deaths were reported in 2005 than deaths from uranium mining (zero). StockInterview.com heard no worries at SRIC over the blackening of coal miner's lungs, but the staff appeared very concerned over the radon gas emitted from uranium mining. Uranium mining in New Mexico came to a standstill about twenty years ago. Coal mining continues as it has for seven decades.

Don't expect the coal mines of New Mexico to be closed any time soon, though. No matter how deadly coal mines are, coal production is irreplaceable at this time. According to the New Mexico Bureau of Geology and Mineral Resources, tax revenues from coal in 2001 exceeded $30 million. Nearly one-half of the state's energy needs are met through coal-generated power. The coal industry employed 1,800 people in 2001. New Mexico is the country's leader for methane gas production from coal beds. Coal is the state's third largest source of revenues.

An EPA Toxic Release Inventory report published in 2000 reported that two power plants and their coal mines in New Mexico's San Juan County released 13 million pounds of chemical toxins into the Four Corner's area (New Mexico, Arizona, Utah and Colorado). It was also reported that 6.5 million tons of solid waste was buried by the two San Juan County power plants on their sites or at nearby coal mines. Those airborne toxins were miniscule compared to over 300 million pounds of other emissions, such as particulates and nitrogen dioxide released into the air, and which can travel for hundreds of miles. Reports confirm those power plants were among the worst polluters in the United States. The eighth worst emitter was Giant Refining, about 17 miles from Gallup, New Mexico, which emitted 608,000 pounds according to the EPA report. Any visitor to the Gallup area can readily smell the stench circulating in the air.

Does Navajo Nation President Joe Shirley Jr Have Double Standards?

Why haven't the Navajo banned coal mining on the reservation as they have uranium mining? According to Anna Frazier, a Navajo affiliated with a local environmental group, "Our Navajo Nation is certainly not going to do that. They would rather have the revenues coming in from the coal companies and the power plants." According to a news report published in Indian Country newspaper, "The Navajo Nation receives the bulk of its annual $100 million operating expenses from royalties, leases and taxes from its coal, oil and gas. These revenues provide operational expenses for the tribal government, including the salaries of the 88-member Navajo Nation Council, the tribe's annual budgets show."

For more than 35 years, Peabody Energy has operated massive mines on Navajo territory. The closure of one such coal mine, the Black Mesa, sent the Navajos rushing for their Maalox. Ironically, it was environmental activists that forced Southern California Edison to close their Mojave Generating Station nearly 300 miles away in Laughlin, Nevada. The utility was given a choice: cough up $1 billion to stop polluting the Grand Canyon or shut it down. It had been called "one of the dirtiest coal plants in the West," and air emissions from that plant reportedly polluted half a dozen other national parks in the Southwest. But, that coal mine provided about 15 percent of the Navajo's annual budget. George Hardeen, the Navajo president's media voice, complained about the mine closing last October, "This is going to have a terrible effect on this entire region because the Navajo economy is so fragile."

John Dougherty complained about the Navajo Nation's tactics in the Phoenix New Times newspaper in March 2005, observing, "Environmental groups have long exploited the Native American tradition of sacred places to fight their battles to preserve wilderness areas...It's always the soulful Native American who steps forward as the high priest of sacred geography. In the background lurks the environmentalist equipped with charts and data on tree-trunk diameters and spotted-owl nesting sites." Dougherty concluded, "The cries of environmental destruction and cultural murder from Navajo and Hopi leaders ring hollow."

What are not going to be ringing at all will be the cash registers at Albertsons supermarket in Bullhead City, near Laughlin (Nevada), which closed down this week. That's because the Mojave power station closed as advertised because of the dirty Black Mesa coal. Mike Conner, president of the Bullhead Area Chamber of Commerce, said, "The community will be devastated." Across the river in Laughlin, Buddy Borden of the University of Nevada at Reno told a group of community leaders the area "will take an almost $21 million hit" in lost power plant payrolls. The facility will lay off 375 employees, who had an average annual wage of $87,000. Like dominoes falling, jobs in Nevada, Arizona and in the Navajo Nation were lost.

Recently, Navajo president Joe Shirley Jr. considered replacing budget shortfalls with casinos, four in Nevada and two in New Mexico. Last March, Senator John McCain forecast the Navajo casinos would fail because of their remote locations. Shirley quipped back in the Arizona Republic newspaper, "I beg to differ with him." One coal mine that won't be on the Navajo reservation is the first to receive an operating permit in six years. Peabody Energy announced a coal mine on Lee Ranch, one of New Mexico's largest landowners. It is projected to produce 102 million tons of coal over the next thirty years.

For the time being, the Navajos hope to solve their economic quagmire by just putting up more casinos across a New Mexico landscape, already replete with "truck stop casinos." One can soon get bored guessing when the next casino will surface while driving across either Interstate 40 or I-25, the state's main arteries. First you see a sign announcing which tribal land you are entering, then the ubiquitous billboard describing which has-been musical act is "now appearing," and then finally the combination truck stop, casino, restaurant(s) and discount smoke shop whizzes by. One aging Navajo told us, "It's bad for the families, and it sets a bad example for the younger ones."

On Navajo reservation land and just in New Mexico alone, Joe Shirley Jr may control more than 75 million pounds of uranium, with a gross value presently exceeding $2.7 billion. Some say the number could run much higher, into the hundreds of millions of pounds. Don't expect Mr. Shirley to over turn his ban on uranium any time soon. Dr. Fred Begay, a Navajo and nuclear physicist at Los Alamos, whose career has been featured on BBC Television and in the pages of National Geographic and celebrated by the New York Academy of Science, explained the problem, "The Navajo don't get it. They think that they'll have miners. They have illiteracy on mining and uranium." Dr. Begay clarified that the Navajo have failed to differentiate between conventional uranium mining and ISL operations, which he considers safe, "They think that miners are going in there and digging it out."

Perhaps the illiteracy about mining extends to geochemistry. Coal is big money in New Mexico, and a little-known fact about the composition of coal may enlighten more than just environmentalists. Former Oak Ridge National Laboratory researchers J. P. McBride, R. E. Moore, J. P. Witherspoon, and R. E. Blanco reported in Science magazine (Dec 8, 1978: "Radiological Impact of Airborne Effluents of Coal and Nuclear Plants") the shocking conclusion that "Americans living near coal-fired power plants are exposed to higher radiation doses than those living near nuclear power plants that meet government regulations."

In an article entitled "Coal Combusion: Nuclear Resource or Danger," researcher Alex Gabbard, explained, "Coal is one of the most impure of fuels. Its impurities range from trace quantities of many metals, including uranium and thorium, to much larger quantities of aluminum and iron to still larger quantities of impurities such as sulfur. Products of coal combustion include the oxides of carbon, nitrogen, and sulfur; carcinogenic and mutagenic substances; and recoverable minerals of commercial value, including nuclear fuels naturally occurring in coal."

Did you know that the amount of radioactive thorium contained in coal is about 2.5 times greater than the amount of uranium? For a large number of coal samples, according to Environmental Protection Agency figures released in 1984, average values of uranium and thorium content have been determined to be 1.3 ppm and 3.2 ppm, respectively. Uranium and thorium are IN coal.

For the year 1982, assuming coal contains those same uranium and thorium concentrations, each typical plant released 5.2 tons of uranium (containing 74 pounds of uranium-235) and 12.8 tons of thorium that year. Total U.S. releases in 1982 (from 154 typical plants) amounted to 801 tons of uranium (containing 11,371 pounds of uranium-235) and 1971 tons of thorium. These figures account for only 74% of releases from combustion of coal from all sources. Releases in 1982 from worldwide combustion of 2800 million tons of coal totaled 3640 tons of uranium (containing 51,700 pounds of uranium-235) and 8960 tons of thorium. Coal consumption has jumped dramatically since 1982 - by more than double!

Gabbard calculated the net impact of the release of uranium and thorium from coal burning by the year 2040:
Based on the predicted combustion of 2516 million tons of coal in the United States and 12,580 million tons worldwide during the year 2040, cumulative releases for the 100 years of coal combustion following 1937 are predicted to be:

U.S. release (from combustion of 111,716 million tons):

Uranium: 145,230 tons (containing 1031 tons of uranium-235)

Thorium: 357,491 tons

Worldwide release (from combustion of 637,409 million tons):

Uranium: 828,632 tons (containing 5883 tons of uranium-235)

Thorium: 2,039,709 tons

The population effective dose equivalent from coal plants is 100 times that from nuclear plants. According to the National Council on Radiation Protection and Measurements (NCRP), the average radioactivity per short ton of coal is 17,100 millicuries/4,000,000 tons, or 0.00427 millicuries/ton. This figure can be used to calculate the average expected radioactivity release from coal combustion. For 1982 the total release of radioactivity from 154 typical coal plants in the United States was, therefore, 2,630,230 millicuries.

Gabbard explained further: "Thus, by combining U.S. coal combustion from 1937 (440 million tons) through 1987 (661 million tons) with an estimated total in the year 2040 (2516 million tons), the total expected U.S. radioactivity release to the environment by 2040 can be determined. That total comes from the expected combustion of 111,716 million tons of coal with the release of 477,027,320 millicuries in the United States. Global releases of radioactivity from the predicted combustion of 637,409 million tons of coal would be 2,721,736,430 millicuries."

Uranium and the entire nuclear fuel cycle are blamed for a host of ills by the anti-nuclear crowd, but little is reported on the subject of radioactivity released from burning coal. Gabbard writes, "Large quantities of uranium and thorium and other radioactive species in coal ash are not being treated as radioactive waste. These products emit low-level radiation, but because of regulatory differences, coal-fired power plants are allowed to release quantities of radioactive material that would provoke enormous public outcry if such amounts were released from nuclear facilities. Nuclear waste products from coal combustion are allowed to be dispersed throughout the biosphere in an unregulated manner. Collected nuclear wastes that accumulate on electric utility sites are not protected from weathering, thus exposing people to increasing quantities of radioactive isotopes through air and water movement and the food chain."

While environmental groups hold fund raisers to stop uranium mining, protest the nuclear fuel cycle, and lobby to have vested interest groups, such as the Navajo Nation, ban uranium mining on the reservation, little data or statistics can be found about the daily tragedies found through coal production. There is no vocal outcry from Southwest Research and Information Center about coal mining, let alone the radioactive dangers found in releasing toxic coal fumes into the atmosphere.

It was a difficult task to locate the data illustrating, as Mr. Gabbard has done, that the radioactivity IN coal, from thorium and uranium, is far more deadly than the world's fleet of nuclear reactors. Will Joe Shirley, Jr. now ban coal mining on the Navajo reservation lands? After all, a greater amount of radioactivity is released among the Navajo from coal consumption than uranium mining ever would have achieved. Or will Mr. Shirley let that slide because his budget committee wouldn't stand for it?

COPYRIGHT © 2007 by StockInterview, Inc. ALL RIGHTS RESERVED.




James Finch contributes to StockInterview.com and other publications. StockInterview’s “Investing in the Great Uranium Bull Market” has become the most popular book ever published for uranium mining stock investors. Visit http://www.stockinterview.com

Art Installation: Highway 50, Nevada

www.delapppe.net Media Artist Joseph DeLappe presents documentation of a kinetic, projected video and internet live streaming video installation. The work features an 8 foot tall kinetic, Ferris wheel type sculpture, upon the interior surface of the wheel is sculpted a continuous, miniature scale model of a section of Highway 50, including roadbed and ground scenery. The entire wheel structure is motorized for continuous motion. A color mini-video network camera is mounted to the outside supports of the structure - it hovers directly over the rotating road surface, illuminated by two tiny lights. The camera is a specialized unit that functions as a surveillance camera and web server all in one unit - feeding a live image that is connected directly to the internet. The point of view of the camera records, in real time, the image as if one were driving on the highway late at night with the only illumination being the headlights of one's car. The resultant video image, which for all appearances looks as if one was seeing a driver's point of view, is shown, project large upon the adjacent wall of the gallery and was being streamed, live, to the internet during exhibition hours on DeLappe's website.



http://www.youtube.com/watch?v=IYkB3QZHmjk&hl=en

Silver Legacy Reno Coupons - Where to Find Them Saturday, August 14, 2010

Staying at Reno for a serious game on the poker table or just a leisure tour of the beautiful city? Whether you come here to play casino or to experience the city or both, you might be glad to know that you can stay at a good quality hotel here for as low as $50/night and lower. Yes and you can do that if you have coupons. Nowadays, people need coupons for almost everything that they spend on because they want to stretch the value of their money. Hotels coupons are beginning to be popular coupons for many people.

Hotel coupons are very popular these days because travelers don't want to spend a lot. They would much rather spend on a good meal than a luxurious hotel. But of course, even if their budget is limited, they are also looking for a hotel that is not annoying and will provide them with a good night's rest. Here is where nice hotel chains come in.

They have the name that spells quality accommodation. They offers casino, live shows and fabulous dining options. In their restaurants, guests can choose among one that sumptuous seafood dishes, one that is a buffet-style restaurant, and they also have food court. The hotel also has a coffee and tea shop. This is also where you find clubs where the likes of Robin Williams and Jerry Seinfeld started their Hollywood careers.

You might think that all of these accommodations might be very expensive. Although the hotel rates at hotel chains are not that cheap, you can stay there by availing of their discounts. If you are looking for Silver Legacy Reno Coupons , there are a number of places that we tried and we are happy that we found them. With these coupons, we are able to enjoy all the comfort and luxury offered by the hotel for a much much lower price. The best places to find them are the 1st to the 5th pages of the search engine results.




Sharon writes for http://www.disneyworldhandbook.com

Why You Need a Bankruptcy Lawyer Thursday, August 12, 2010

If you are having a hard time making ends meet and you have more bills than you do money and there is no sign of change ahead, you may need to consider filing for bankruptcy. This isn't a decision that you should make lightly, but if you owe money to several different sources and you cannot pay, it is often the only way to protect yourself from banks and lenders taking what little you do have. If you are not sure whether this is something that you should consider, you should seek the advice of a Nevada bankruptcy lawyer.

When you are having financial difficulties it can be really overwhelming. You may be on edge and mentally not where you should be when making financial decisions. This is a good reason to seek the advice of a good lawyer that can help you understand what exactly bankruptcy will mean to you and if it is something you should consider now or if you should give it some time before you take such a drastic step.

The good news is that you can often meet with one of bankruptcy attorneys for a free consultation before you retain their services. This will allow you to talk to the lawyer and determine if this may be something that you should pursue. The consultation will allow you to determine if your personality and the personality will lend themselves to working well together.

You should know that even if you meet with and retain a Nevada bankruptcy attorney that you don't actually have to file for any sort of bankruptcy protection. You can go through these motions simply to get the information about the benefits and drawbacks associated with filing for bankruptcy. When you hire someone who is well versed in bankruptcy law you can get a clear picture of what the next few years will be like. Working with a professional will help take the emotions out of the equation and allow you to make the best possible decision for your future.

It's important to realize that bankruptcy is not simply a "get out of jail free card" what this means is that even if you are a good candidate for bankruptcy you may not be able to do away with all of your debt. You may still have to pay some of your creditors and the choice to file for bankruptcy will be something that follows you around any time you apply for financial assistance or credit anywhere, for at least the next seven years. As you can see, filing now will have repercussions for quite some time, that is why it is best that you do your homework and determine with a professional if this is really the best option for you.




Caitlina Fuller is a freelance writer. If you are not sure whether this is something that you should consider, you should seek the advice of a Nevada bankruptcy attorney. You should know that even if you meet with and retain one of Nevada bankruptcy attorneys that you don't actually have to file for any sort of bankruptcy protection.

New Law Gives Nevada Sex Offenders More Rights

Under current Nevada law (i.e., up until June 30, 2008), all sex offender must register under Nevada's Sex Offenders Registry for as long as they live, work, or go to school in Nevada; in other words, registration is (by default) for life under the current law. Nonetheless, the current law still allows a sex offender who has complied with registration requirements for a period of at least 15 consecutive years (during which he was not convicted of an offense that "poses a threat to the safety or well-being of others") to petition a court to terminate his duty to register.

However, starting on July 01, 2008, the law in Nevada (namely, NRS 179D.490) will change, reducing the time that certain sex offenders must register (as well as non-sex offenders who have to register because they were convicted of committing a crime against a child). The time that an offender must register under the new law will depend on whether he is a Tier 1, Tier II, or Tier II offender. If he is a Tier I offender, he must register for only 15 years maximum (as opposed to life); if a Tier II offender, he must register for 25 years; however, if he is a Tier III offender, he must continue to register for life (as long as he lives, works, or goes to school in Nevada).

Furthermore, the new law will allow a Tier I offender to petition a court to terminate his duty to register prematurely. A Tier I offender may petition if he has registered for a period of at least 10 consecutive years, during which he was not convicted of a felony or a sexual offense; to qualify, he must also have completed any periods of supervised release, probation, or parole, in addition to an approved sex offender treatment program. If the court grants the petition, it will knock 5 years off of the maximum period that the Tier I offender must register (i.e., from 15 years down to 10 years).

The above reduction option is also available to offenders who were classified as Tier III by a juvenile court. The requirements to qualify are the same as those for Tier I offenders, except that instead of 10 years, the TIER III juvenile delinquent must have registered for at least 25 years before he can petition for a reduction. If you have any specific questions about the new or current law (such as whether or not you would be qualified for a reduction, what Tier you belong in, or how and where to file your petition), contact a RecordGone.com attorney.




Mathew K. Higbee,
Attorney at Law
Recordgone.com

The Nevada Myth: Rethinking the Nevada Corporation

After you have decided that incorporating is beneficial for your business, some people consider incorporating in states outside of their home state. Most notably, Nevada has been promoted by many "incorporating services" as having incredible benefits as opposed to the client's home state. Other states such as Delaware and more recently Wyoming have also received consideration for incorporating. In some cases, depending on the facts of your business, there are some benefits in forming an out-of-the-home-state corporation in states such as Nevada. However, in the majority of cases the benefits of forming a Nevada corporation is simply a myth and will often be more expensive and troublesome than filing in the company's home state.

Law of the Land: Foreign Entities

This may be a surprise to many, typically, corporations will be governed under California law despite being incorporated in Nevada. Let's assume you do file a Nevada, yet you operate all of your business in California. Under this scenario, you are deemed to be a "pseudo foreign" corporation. If the corporation is a pseudo foreign corporation, California law in many areas will supersede the law of the state where the company was incorporated in. (See California Corporation Code §2115(b)). Therefore, for companies entirely based in California and doing business in California, practically all of the claimed benefits of incorporating in Nevada are out the window. It should be noted that if a Nevada corporation operating in California fails to qualify as foreign corporation, it may be subject to a number of sanctions. (See California Corporation Code §§2203, 2258, 2259).

Nevada v. California

The benefits typically touted by a Nevada corporation are the following: lower costs; tax savings; and greater privacy. But is any of it true? Below we will discuss some of these issues.

Expense: Contrary to what many people believe, it is more expensive to file in Nevada than in California. Here are some of the additional expenses: the initial filing fee is more; the Statement of Information is much more; you will be required to file a Statement and Designation of Foreign Corporation in California; and you will be required to hire a Nevada Agent for Service of Process each year. For large clients, the additional cost (of approximately $500 more) is not a big consideration, but for smaller businesses every dollar counts.

Taxes: The tax ramifications is usually one of the most important reasons for deciding whether to incorporate and where. Nevada's secretary of state website says that Nevada has none of the following: (1) corporate income tax; (2) taxes on corporate shares; (3) franchise tax; and (4) no personal income tax. So how does this actually play out? The bottom line is if you are doing business anywhere other than Nevada, you will still be required to pay taxes in the state where you are conducting business. So if you are operating and generating business in Nevada, this can be a huge benefit, otherwise if you are generating money in California, you are required to pay California's taxes. Furthermore, any income earned by a Nevada business and paid out to a resident of another state will be subjected to the taxation of that state. Therefore, the income passed on to the shareholders of an S-Corporation in Nevada will be taxed at both the federal level and in the state where the shareholder lives (this also applies to other pass-through entities such as LLCs).

Thus, as indicated in the paragraph above, you will not be able to legally gain the Nevada tax benefits if you form a Nevada pass-through entity such as a S-corporation or LLC. However, a Nevada C-corporation can avoid the state taxes (remember that a C-corporation is subjected to double taxation at the federal level). The way a Nevada C-corporation operating in California could be structured to minimize its taxes is as follows: As a C-corporation, your company will be stuck with double taxation at the federal level. Rather than withdrawing the profits from the corporation, keeping the profits within the Nevada C-corporation will allow it to grow free of any state taxes.

Limited Liability Protection: Whether your company has greater limited liability protection in Nevada versus other states is debatable. Many believe that Nevada state precedence makes piercing the corporate veil much more difficult. Whether this is true will depend on the facts of your case and how good your lawyer is, since the test for piercing the corporate veil in both states are substantially similar (both California and Nevada require a showing that a substantial injustice or perpetuation of a fraud occurred). However, in regards to directors and officer liability, Nevada law provides that directors and officers are not liable for any damages resulting from a breach of fiduciary duty unless the breach involved intentional misconduct, fraud, or a knowing violation of the law. (See Nevada Rev. Stat. §78.138(7)).

Jurisdiction: This can be good or bad for your company. If you are operating in California but are a Nevada corporation, the question is which state law takes precedence? As indicated above, in most circumstances, your corporation will be deemed a pseudo foreign corporation and thus be subjected to California's laws. So if you are sued, the lawsuit would likely occur in the California. However, if the plaintiff attempts to pierce the corporate veil, the lawsuit may occur in Nevada, thus the plaintiff would have to face additional expenses to travel to Nevada to try the case. Likewise, you as the defendant would be required to go to Nevada as well. However, if you enter into contracts with others, your contract can include "choice of law jurisdiction" provisions, which require that the contract falls under the laws of Nevada. Similarly, "choice of forum" provisions in your contracts will require your case to be heard in Nevada.

Privacy: Nevada is generally more restrictive than most states in sharing information about its corporations with other states and the government. As such, many celebrities and high profile individuals seeking anonymity often end up incorporating in Nevada. However, both California and Nevada do not require its stockholders to be listed in public records. Further, Nevada does not share information with the IRS unlike California. But if a Nevada corporation conducts business as a pseudo foreign corporation in California, it would be required to disclose the information to the IRS.

© 2006 Michael N. Cohen, Esq.

This article is not intended as a substitute for legal or tax advice. The specific facts that apply to your matter may make the outcome different than would be anticipated by you. You should consult with an attorney familiar with the issues and the laws.




Michael N. Cohen, Esq. is a business and intellectual property attorney and is the principal of the Law Office of Michael N. Cohen, P.C., located in Beverly Hills, California. For more information, go to http://www.patentlawip.com or contact Mr. Cohen at 310-288-4500.

Nevada Development Authority Ad Campaign - Monkey Business

Nevada Development Authority Ad Campaign launched in Southern California for 2009. For more info go to www.move2vegas.biz



http://www.youtube.com/watch?v=7VeqP2uB0Ac&hl=en

Las Vegas, Nevada Home Builders

Las Vegas, Nevada is the home for various national and local home builders. Given below is information of some of these builders added upon by a brief introduction and information on their new housing communities and homes.

Pardee Homes - Is a local Las Vegas new home builder building premium houses in Las Vegas since 1921. Pardee has over six new home communities in Las Vegas with pricing starting from $200,000. They are also known for their donations and fundraisers for social causes through their new home communities. Visit them online for more information about their Las Vegas new homes for sale and new home communities.

Astoria Homes - Astoria is another local home builder providing designer homes at unbeatable prices. Their new home communities offer creative ornamental work. This builder, has over eleven new home communities across Las Vegas start with a pricing of $200,000. To know more about the location, pricing and availability of houses in these communities, visit them online.

Burke & Associates Inc - Burke & Associates Inc is a general contracting and home building service with headquarters locates at Las Vegas, Nevada. They have been building quality homes across US for more than two decades. Burke & Associates Inc has three housing communities in Las Vegas. Visit Burke & Associates Inc online for more information about their floor plans, home pricing, new home designs and new home subdivisions.

StoryBook Homes - StoryBook Homes is a local Las Vegas new home builder which has build over 21,000 homes in Vegas since its opening 23 years back. StoryBook currently has two new home communities in Las Vegas. To know more about the pricing, availability and location visit StoryBook online.

William Lyon Homes- William Lyon Homes is a national home builder which has build over 100,000 homes across the nation. There headquarters in situated in California. William Lyon has been providing new housing communities in Las Vegas from 21 years. To know more about William Lyon visit them online.

Pageantry Homes- Pageantry is a national home builder building new communities across the states of Nevada, California and Arizona. Pageantry Homes has four new home communities in Las Vegas with a pricing over $260,000




Paul is a principal of NewHomesSection.com. Search Las Vegas home builders and Las Vegas new homes today!