The ladder to success, a look to financial tax planning

Do you ever wonder what can you do to improve your financial life? With simple steps you can always improve your future. 

The Ladder to success, I can tell you the worst thing you can do is become tax exempt at work, the outcome will always derive in owing taxes to the IRS and State.

This tax 2016 tax season, we are offering free tax planning to all of our clients, keep track of your progress all the time, just like you keep track of your credit score.

The first simple step is to file your tax returns on time and accurately.

The second step would be to look in ways to save money in paying taxes every year, there are plenty of ways to this the right way, one is to set up a retirement account such a IRA, ROTH IRA, or a SEP IRA if you own a business. These actions will lower your tax liability every year, and will create a fund for your retirement that you can use for your retirement and or for a down payment for a house, or for sick expenses under certain conditions.

The big ticket to lower your taxes is to own property, those mortgage interest payments and point paid at purchase can lower your tax liability by a lot.

These are just an example of what we can do for you this tax season for free, we can look your numbers and tell you what is the best way to plan your taxes.

Obamacare will be here soon, are you ready for it?...

We are in September 2013 and in less than 30 day all Americans will be able to enter the open market for healthcare, or Obamacare, the individuals that have healthcare throughout a job have nothing to worry about. But the one that doesn’t will have to get healthcare in order to avoid the Penalty fee.

OPEN MARKET

Open enrollment starts on October 1^st 2013 and ends on March 31^st 2014, and coverage starts on January1st, 2014.

Open enrollment means that you will be able to find healthcare insurance coverage at a lower price than in regular season.

PRE-EXISTING CONDITIONS

 If you’re like me and have a pre-existing condition, you won’t be turn down if you happen to have a pre-existing condition, health insurance companies cannot refuse to sell you with health insurance if you have a pre-existing condition.

COVERAGE

Then depending on your individual situation, single, married, with or without children, etc the cost can range from  cero to a couple of hundreds. Also depends on the type of coverage you want, bronze, silver, gold or platinum. The higher the income and the coverage the more expensive it gets.

CALIFORNIA

For example in the golden state of California for single individuals that are below the line of poverty  let’s say $18,000 a year there will be a $124.00 monthly fee that is covered entirely by the state and you’ll pay CERO with the basic coverage. But is you chose the fancy platinum coverage you’ll end up paying about $106.00/ month.

This is informational prices only, and is not my intention to provide with any specific quotes because the final prices are not available yet.

You can go to the healthcare website and play with the options to seek for the coverage you would need to avoid the penalty.

PENALTY FEE

If you don’t get a healthcare plan the penalty is 1% of you yearly income or $95.00 whichever is higher.

If you end up going to the emergency room and you don’t have health insurance then you’ll be bill the entire hospital bill and the penalty fee on top of that.

FOR BUSINESS OWNERS

If you happen to be a business owner then you have some options too. If you are a business owner without any full time employees or only part time employees who are pay with a 1099 then you qualify as an individual

IF UNEMPLOYED

If you’re unemployed you could qualify for Madicaid, keep in mind that your options depends on your income, and it could be free if your income is low.

WHERE TO GO ?

First you need to go to the government website to find out who runs the healthcare in your state of residence. So, first go to  www.healthcare.gov then from the drop down menu check your state and find out who runs the market in your state.

if you have more questions feel free to contact me...

Meeting more amazing people in the 2013 season...

OREM the pillar

This 2013 tax season is almost over, and we still have 8 days more to go. This year I have plenty of reason to feel like we achieved a lot.

To start we helped a lot of new clients in the US. Most of them are awesome business owners, with operations that go from sales, services, consulting, design, etc.

We are so close to reach our goal of getting the client number 150 for this season. But if we don’t it doesn’t matter because with this economy who can tell that has a business that has grown over 25% compared to the prior year?

But it is not only quantity but the quality clients that we are looking for, clients like Husam Salman a clothing designer in the city of Los Angeles, if you want to see more about Husam and his talents you can check it out at our conversation at the link below.

Husam Salman video interview and design work

Another reason to be proud is that our company had recruited several new tax accountants and tax agents on multiple cities and states. This business network helps us to further our services far beyond the California border.

And I’m still debating whether or not buy a smart cell phone. I never buy things unless I really need them, and this year with so many new clients submitting tax forms by text message I realized then I need a better phone to be able to read them instead of just forwarding it to my computer.

And by the end of this 2013 I expect a bigger growth by the end of the year, not only because of the RTPR that the IRS is still fighting to enforce but also because either way the IRS will prevail in my opinion.

The IRS had appealed the judge decision to stop the return tax preparer registration or RTPR but because there is already legislation in the congress specifically crafted to provide the IRS with the authority to regulate tax preparers in the nation.

Well, just that makes me feel better because after spending 7 months of my life studying over 8 hou

rs a day to past those 3 tests to have a federal judge to come up and tell me that all that effort , time and money invested on it was for nothing?! Well, I want that judge to be recalled.

So far, I had been supervising the work of 25+ tax preparers and tax agents in the US, and I love it! If you want to become part of our network feel free to check our recruiting website at the link below

Become part of our successful network in the US

OREM Accounting Tax – Northern California

This was one of the most thrilling trips I have had in years. Definitely driving 6 hrs to San Francisco was totally worth it, this trip reminded me of how beautiful, exiting “and freezing cold” the Bay Area could be. In day one I had scheduled 2 appointments that turned out to be 4, and I ended up working really late, I was tired but really happy.

Enrique introducing OREM Northern California video

Enrique Otarola Video interview

The following 3 days went fast, some say “time flies when you’re having fun”, and although most of the time “if not all” I was working, the time spent meeting new people and developing positive relationships for the future was exciting.

Today I would like to introduce OREM Northern California that will cover the Bay area “city of San Francisco” and Sacramento, I would love to welcome our new team members for the mentioned cities, and our services as well.

OREM Southern California Website

OREM Northern California Website

Services for 2012 in Northern California:

Electronic filing: The easiest and fastest way to file your federal and state income taxes.

Rapid refund services: Your tax refund in just 3 to 10 days instead of 4-8 weeks available for Federal and State.

Rapid refund with check: You'll get your tax refund in just 3 to 10 business days. No more waiting for weeks or months to get your refund money. For popular demand we have rapid refund services for all of our loyal and also for our new clients.

Rapid refund with debit card: You'll get your tax refund in just 3 to 10 business days. This product service is specially designed for those individuals who rather not to have a bank account (due to Tax liens, unpaid debt, collections, unpaid credit cards, unpaid child support, etc) Whatever is your financial situation, we can help with your income tax refund needs

Rapid refund with direct deposit in checking account: You'll get your tax refund in just 3 to 10 business days. We offer rapid refund with direct deposit in to your personal or business checking account. This product service is really helpful for those individuals with busy schedules that travel a lot, or just do not want to come back to their tax accountant office to pick up a check. For whatever reason you have, direct deposit in your checking account can be the tax refund product you are looking for.

Business Solutions for small businesses: Here we’ll help you with: How do I start a business? What do I need to start a business? How do I start my accounting system? Do I need a website? Could you build my website? How do I analyze my target market? And much more…

OREM Southern California Website

OREM Business Solutions Website

I am also proud to introduce my OREM team members. All our team members are licensed by CTEC (the state of California) and the IRS.  Feel free to inquire about our services to any of our team members.

Artem Koshkalda: (San Jose, Santa Clara, Sunnyvale, Mountain View, Palo Alto) Bachelor of Business Administration in Finance and Marketing - Kyle National Economic University-Ukraine. He moved to California and has majored in Accounting/Management Communication -De Anza College-Cupertino, CA. His job experience includes working as Personal Banker at ALFA Bank in Kyiv Ukraine. Currently, Artem Koshal is the Assistant Manager at PIZZAGUYS-San Jose, CA. He is a proud member of the TOASTMASTER Club; Achieved Competent Communication Reward. You can reach Artem or “Art” at (408) 300-2164 (Art speaks Russian and Ukranian)

Artem’s introductory video

Andy Liao (P01540670) Andy has works as a credit analyst. He has managed and analyzed portfolios. Andy has a Bachelors of Science in Accounting from the  NSU. Andy will be completing his Master of Accountancy next year.

Andy's introductory video

Tatyana Shvets CTEC A237305 (San Mateo, Foster City, Belmont, San Carlos) has over three (3) years of experience in accounting in the business environment. She has experience with accounts receivable, accounts payable. She is a certified tax preparer and has his degree in Bachelor of Business Administration in Corporate Finance (San Francisco State University). Her computer skills include: Word, Excel, Power Point , Access and Outlook.

Tatyana’s introductory video

Zenon Lopez (San Francisco, South San Francisco, and Saly City) has 2 years of experience in San Francisco. His job experience includes working as a tax adviser. He has worked with QuickBooks preparing Account Payable and Account Receivable. Zenon Lopez speaks Spanish and uses Sign Language to communicate with his clients. Mr. Lopez has his B.A. in Business Administration (Accounting) and his Associate degree in Arts (Accounting). One of his biggest accomplishments was making the Dean List at ROP of San Mateo- GDP 3.50; Certificate in Accounting. 

Zenon’s introductory video

Mark Newland has 4 years of experience working with a multinational accounting firm and a regional accounting firm. Mark had worked in financial audits for non for profits. His experience includes working with small business tax issues, and multi-state sales taxes, Cross border; CA/US tax issues and strategies for individuals. Mark is very knowledgeable about taxes and financial statements. His education includes: Bachelors of Science in Accounting, Finance, International Business and Banking at San Francisco University, you can reach Mark at (650) 464-1776

Art Koshkalda: (San Jose, Santa Clara, Sunnyvale, Mountain View, Palo Alto) Bachelor of Business Administration in Finance and Marketing - Kyle National Economic University-Ukraine. He moved to California and has majored in Accounting/Management Communication -De Anza College-Cupertino, CA. His job experience includes working as Personal Banker at ALFA Bank in Kyiv Ukraine. Currently, Artem Koshal is the Assistant Manager at PIZZAGUYS-San Jose, CA. He is a proud member of the TOASTMASTER Club; Achieved Competent Communication Reward. You can reach Artem or “Art” at (408) 300-2164 (Art speaks Russian and Ukrainian)

Art’s introductory video

*** if you want to be part of our team, please click this link ***

Introducing OREM Accounting Tax Arizona - Phoenix

Hi everybody, I am so proud to announce OREM Accounting Taxation Representation LLC has officially stepped in Arizona State, let me introduce OREM Accounting Tax Arizona, and also my team members who will be helping us to take care of all your Income tax and Business needs this 2012 tax season.

OREM Accounting Tax Arizona Website                               Enrique introduces OREM Arizona video

Services for 2012 in Arizona:

Electronic filing: The easiest and fastest way to file your federal and state income taxes.

Rapid refund services: Your tax refund in just three to ten days instead of 4-8 weeks available for Federal and State.

Rapid refund with check: You will get your tax refund in just three to ten business days. No more waiting weeks or months to get your refund money. Due to popular demand we have rapid refund services for all of our loyal and also for our new clients.

Rapid refund with debit card: You will get your tax refund in just three to ten business days. This product service is specially designed for those individuals who rather not to have a bank account (due to Tax liens, unpaid debt, collections, unpaid credit cards, unpaid child support, etc) Whatever is your financial situation, we can help with your income tax refund needs.


Rapid refund with direct deposit in checking account: You will get your tax refund in just three to ten business days. We offer rapid refund with direct deposit in to your personal or business checking account. This product service is really helpful for those individuals with busy schedules that travel a lot, or just do not want to come back to their tax accountant office to pick up a check. For whatever reason you have, direct deposit in your checking account can be the tax refund product you are looking for.

Business Solutions for small businesses: Here we’ll help you with: How do I start a business? What do I need to start a business? Do I need a website? Could you build my website? How do I analyze my target market? And much more…

OREM Business Solutions

I am also proud to introduce my OREM team members. All our team members are licensed by CTEC (the state of California) and the IRS.  Feel free to inquire about our services to any of our team members.

Shawn White (Scottsdale, AZ) Shawn has experience working as an Executive assistant, office manager and customer’s service representative. Not only administrative but also accounting experience. She has exceptional customer’s service skills. Shawn will be graduating with an Associate’s Degree in Accounting next year.

Shawn’s introductory Video

Josue Tinoco IRS P1847163 (Meza, AZ) Josue has worked as a credit analyst. He has managed and analyzed portfolios for over $12 M. Josue has a Bachelors of Science in Accounting from the ASU. Josue will be completing his Master of Accountancy next year. (Josue habla espanol)

Josue’s introductory video

Thu Nguyen IRS P1528330 (Phoenix, AZ) Thu is a college graduate with a major in accounting and finance. She has experience with federal income tax for individuals and businesses. Thu had worked as a volunteer tax preparer in the VITA tax program, and she also had online training and was certified by the IRS

Thu’s introductory video

Barbara Russell (Glendale, AZ) Barbara has experience working as an Administrative assistant in Real Estate, office manager and customer’s service representative. Not only administrative but also Tax accounting experience. She has exceptional customer’s service skills.

Barbara's introductory video

*** If you want to be part of our Amazing team, feel free to email us, tell us about yourself. Free training available for daring individuals in AZ***

Introducing OREM Southern California – Los Angeles

Hi everybody, thank you all for your patience and your nice emails and notes; I appreciate every single one of them. Today I want to introduce my OREM Southern California team members for Los Angeles and surrounding areas.  I’m also proud to announce all our new services for this 2012 tax season.


OREM Southern California website

Services for 2012:

Electronic filing: The easiest and fastest way to file your federal and state income taxes.

Rapid refund services: Your tax refund in just 3 to 10 days instead of 4-8 weeks available for Federal and State.

Rapid refund with check: You'll get your tax refund in just 3 to 10 business days. No more waiting for weeks or months to get your refund money. For popular demand we have rapid refund services for all of our loyal and also for our new clients

Rapid refund with debit card: You'll get your tax refund in just 3 to 10 business days. This product service is specially designed for those individuals who rather not to have a bank account (due to Tax liens, unpaid debt, collections, unpaid credit cards, unpaid child support, etc) Whatever is your financial situation, we can help with your income tax refund needs

Rapid refund with direct deposit in checking account: You'll get your tax refund in just 3 to 10 business days. We offer rapid refund with direct deposit in to your personal or business checking account. This product service is really helpful for those individuals with busy schedules that travel a lot, or just do not want to come back to their tax accountant office to pick up a check. For whatever reason you have, direct deposit in your checking account can be the tax refund product you are looking for.

Business Solutions for small businesses: Here we’ll help you with: How do I start a business? What do I need to start a business? Do I need a website? Could you build my website? How do I analyze my target market? And much more…

OREM Business solutions website

I am also proud to introduce my OREM team members. All our team members are licensed by CTEC (the state of California) and the IRS.  Feel free to inquire about our services to any of our team members.

Harold Morris CTEC A239149 (Glassell Park-Silverlake-Encino-Burbank): Hal has 15+ years preparing taxes and also 20+ years of customers service, He also had worked in administrative and management for multiple major companies in Sacramento, San Francisco and now in Los Angeles. Hal has prepared taxes for the past years helping multiple individuals and small businesses to flourish and realize their dreams. Hal has a great sense of humor, he’ll have you pretty entertained when doing your taxes, all about the celebrities he’d interacted while working in LA. You can reach Harold or “Hal” at 818-518-6081

Harold Morris video introduction

Angela Martinez CTEC A239294 (South Gate-LAX areas): Angela habla espanol, Angela worked in customer’s service for the past 30+ years, she is proud to have helped people in the Latino community. Angela can help you with your income taxes questions, business needs, and any accounting inquiry. Angela is a new team member and she is thrilled to help all our new and old clients. You can contact her at 310-415-6987

Robert Ziemlak CTEC A239061 (West Hollywood-Beverly Hills-West Los Angeles): Robert is a friendly and nice guy who has worked preparing taxes for 2+ years. He also worked with computers and website development in the past few years, he also has experience in property management and customer’s service, he is currently going to Real Estate school and he also had a certification in business management from the West Los Angeles College.  Robert also works a personal assistant in West Los Angeles. He has a great personality and he will tell you all about the West Hollywood scene, he definitely will have you laughing all the time. Robert can be reach at 310-630-7268

Robert Ziemlak video introduction

Yinyi Otarola - CTEC A239013 (Santa Monica-Venice Beach-Culver City): Yes you guessed it, she is my baby sister. Yinyi “Gen Gee” is currently working and going to school to become a teacher. She had worked in accounting at different property management companies and now after getting certified and licensed by the state of California, she will be helping us in the indicated areas, you can reach Yinyi at 818-669-5508 (also habla espanol)

Yinyi Otarola video introduction

Antonio Chinen CTEC A177197 (Pasadena-South Pasadena-Eagle Rock): Antonio has 5+ years preparing taxes and he also had worked in the automobile industries for the past 15+ years. He has plenty of experience in the administrative and management areas. He has a very likeable personality and he definitely can help you with all your tax needs. Antonio can be reached at 626-487-4190 (also habla espanol)

Margot Odar CTEC A239012 (Panorama City): I know Margot for the past 20+ years; she has plenty of experience with business administration and management. Margot has plenty of experience with business and business deductions, so if you have a business or if you are thinking on starting one, she is definitely the person to talk to. She not only has a great personality but also she is fun and friendly. She can be reached at 818-892-1655 (also habla espanol)

Margot Odar video introduction

Jerome Richardson CTEC A239286 (North Hollywood- Studio City-Toluca Lake-Hollywood): Jerome has experience preparing taxes for 3+ years. He has worked in the administrative area for the entertainment business helping multiple individuals to make it in the business “biz” in Los Angeles. As you may have heard entertainers have different tax breaks than average people, Jerome is definitely familiar with all of those. He has a great personality and he not only can help you with specific entertainer’s tax situations but also with common tax needs.  Jerome can be reached at 818-357-0485

Jerome Richardson video introduction

Luis Ramirez CTEC A239718 (Hollywood-East Hollywood-Studio City): Luis had prepared taxes for the past year; he had worked in customer’s service for the last4+ years. Luis plays with this band on his spare time, you guessed! He is really familiar with all the entertainers business expenses that other entertainers (like you) may be missing for not having the right tax preparer. He is a really fun and cool guy. Luis can be reached at 323-316-0167 (also habla espanol)

Luis Ramirez video introduction

Leticia Paine CTEC A239715 (South Los Angeles-LAX): Leticia “Leti” had worked preparing taxes for the past 2+ years, she has plenty of experience in customer’s service and she is really sharp when it relates to small business. Leticia is the most positive, happy and friendly person I ever met, she will definitely take good care of you business and tax needs, whatever is your tax situation definitely Leti will do the best of her. If you want to start your own business and need some ideas then Leti is the girl to call. Leti can be reached at 323-822-8499 (also habla espanol)

Leticia Paine video introduction

               *** If you are interested to join our team, send us an email tell us about yourself and why you want to be part of our team. Free training available for individuals outside California ***