How The Masters View Motivation

It is ok to copy and redistribute this blog posting as long as it is copied in it's entirety and not altered in any way. Copyright Creative Comments License 4/2011, Author: Randy Taylor, (916) 601-5270   June 25, 2011

The Masters Shown Below list their favorite Quotes regarding Motivation

On Overcoming Procrastination: Tony Robbins and  Nike said it Best:

" Just Step Up " : Tony Robbins
" Just Do It "     : Nike


It seems though, that anything I have personally accomplished has been a direct
result of focusing on a specific goal, with a time deadline attached.  Bruce Jenner also credited his Olympic Decathlon victory to setting a 4 year goal and  checking his goal list daily.  Take a minute and set which quotations the masters have chosen as the keys to motivation.

Brought to you by:	Randy Taylor Randy Taylor Financial Services 916-601-5270                                                                                                                        http://www.facebook.com/RandyTaylorFinancial http://finsecurity.com/RTaylor

QUOTES from the Masters... On Desire/Motivation On Experience "The best motivation is self-motivation. The guy says, 'I wish someone would come by and turn me on.'  What if they don't show up? You've got to have a better plan for your life." -- Jim Rohn "Desire is the starting point of all achievement, not a hope, not a wish, but a keen pulsating desire which transcends everything." -- Napoleon Hill "The only real limitation on your abilities is the level of your desires.  If you want it badly enough, there are no limits on what you can achieve." -- Brian Tracy "The difference between the impossible and the possible lies in a man's determination." -- Tommy Lasorda "Life is a succession of lessons which must be lived to be understood." -- Ralph Waldo Emerson "Experience is an asset of which no worker can be cheated, no matter how selfish or greedy his immediate employer may be." -- Napoleon Hill "Take time to gather up the past so that you will be able to draw from your experiences and invest them in the future." -- Jim Rohn "Develop wisdom in sales by reflecting on your experience, and learning everything you can from every call." -- Brian Tracy

HOW TO KEEP RETIREMENT ASSETS SAFE IN A VOLATILE MARKET

               THE S&P INDEX DROPPED 5 WEEKS IN A ROW!
             S&P Stock Index Shows Decline, Annuites Can be a Solution

The S&P Stock index dropped 5 weeks in a row; reducing this year's yield by 1/2!
(Source:  Jeffrey Kleintop, CFA, LPL June 6th Newsletter.)


Jeffrey Kleintop, and industry expert; states that jobs are increasing at the best rate since the recent economic decline; but further states: "Last week's reading on the ISM index confirmed that the economy has entered a period of slower growthand stock market performance is likely to be modest and volatile in the month's ahead. However we do not envision a return to a recession or a bear market for stocks."

HOW CAN YOU PROTECT YOUR RETIREMENT ASSESTS AGAINST YEARLY VOLATILITY IN THE S&P INDEX?

This is Easy! 1 Solution is to own an Indexed Annuity.

HOW WOULD AN INDEXED ANNUITY GUARANTEE SAFETY?

Principal and Minimum interest is guaranteed by contract and annual yields have a reset formula:                                                                                                                         An indexed annuity has unique options for crediting annual interest to your account that
guarantee by contract that credit interest when the index goes up; while locking in that interest yearly.
In other words, if the index goes up, interest is added to your account.
If the S&P goes down the next year; your account is credited with  0 % for that year instead of a negative number. (This means you do not lose the prior year's growth )

You also are credited interest the next year for any upward growth from the prior year. Instead of waiting for the S&P index to recover to it's starting point; your account would get interest based on changes from year to year up to a ceiling or "cap".
There are choices of how you have your interest calculated; but with each method; your principal is fully guaranteed if you keep your contract until the end of the term. The term choices are usually 5, 7, or 10 years. The safest method is usually an annual reset choice.

YOU CAN ALSO CHOOSE TO INSURE A HIGH LIFETIME INCOME YIELD EVEN IF THE S&P INDEX NEVER INCREASES

How is this accomplished?  The answer is you can buy an income rider which reduces your annual yield with most companies by about one half of one percent.  This fee is lower than many other investment vehicles and the rider gives you this amazing option: If you stay with the insurance company 10 years and then take income payments monthly or annually you have a guaranteed income payment for life as high as 9.5% of your deposit locked in for life! ( No matter how many payments you take). If you are 65 when you take income and defer payments only 1 year:  instead of a lump sum; the yields can still be as high as 5.9%! .....No matter what the S&P index does. 
Cons: There are penalties for early withdrawal  of more than 10% in a year that dissapear at the end of term; similar to a bank account. Your earnings are limited to a cap each year due to the annual reset feature which protects you against loss in any down year.
Pros: You can have an income rider guaranteed by contract that you will have income payments that can not be outlived.
        Your accumulated account value is available probate free at death; with no fees for a will or trust.
        Your principal plus a minimum interest guarantee is fully protected if you hold it until the end of the term and take no withdrawals; similar to a c.d. account.
         If you decide to walk away with all interest and principal after the period your account can be protected against yearly stock market volatility
        If your goal is to use the account for retirement purposes; the interest crediting via the guaranteed income rider is much higher than almost all safe vehicles.

SUMMARY:    If you are worrying about S&P yearly volatility and desire tax deferral, safety, and future income: This can be an excellent alternative to other safe accounts. An indexed annuity may not be suitable for you if your goals are short term cash accumulation or if you need more liquidity due to your current financial situation and age. Please consult with your financial professional, CPA, or tax preparer before deciding if an indexed annuity is right for you. This article is presented for informational purposes only and not meant to be given as tax or investment advice. Feel free to call my office at (916) 601-5270 for a complete and free suitability review to see if this concept is the best solution for your retirement accounts.
This article can be copied or distributed as long as it is copied in it's entirety and not modified in any way. Author: Randy Taylor, Copyright Creative Common License 06/09/2011
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Life insurance and I.R.A. Account Specialist
Serving clients and brokers since 1983
(916) 601-5270



 

HOW TO REVIEW REDUCTION IN INCOME TAX RATES

TEMPORARY REDUCTION IN INCOME TAX RATES EXTENDED:

Today's topic is the temporary reduction in individual income taxes.  If you would like additional information on this topic, please call my office at: (916) 601-5270

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Reduction in Income Tax Rates

Reductions in income tax rates in excess of 15% were scheduled to remain in effect through 2010, at which time they were subject to "sunset" provisions, meaning that income tax rates would revert to 15%, 28%, 31%, 36% and 39.6% after 2010.  The 2010 Tax Relief Act, however, extended the lower income tax rates through December 31, 2012. 

Income Tax Rates

Tax Years	Lowest Bracket	2nd Bracket	3rd Bracket	4th Bracket	5th Bracket	Highest Bracket
2011 - 2012	10%	15%	25%	28%	33%	35%
2013 and later	No 10% bracket	15%	28%	31%	36%	39.6%

Planning Note:

Consider using tax savings to fund an IRA, 401(k) or other tax-favored plan.

---

10% Tax Bracket

The availability of the 10% bracket was scheduled to expire at the end of 2010, after which the lowest tax bracket would be 15%.  Thanks to the 2010 Tax Relief Act, however, the 10% tax bracket has been extended through 2012.  If "sunset" provisions take effect at the end of 2012, the 10% bracket will disappear and the lowest tax rate will be 15%.

10% Tax Bracket Thresholds

Filing Status	2011 - 2012	2011 and later
Married, Filing Jointly	$14,000 ($17,000 in 2011)	No 10% bracket
Single Taxpayers	$7,000 ($8,500 in 2011)	No 10% bracket

Brought to you by:

Randy Taylor

Randy Taylor Financial Services

Gold River Drive

Gold River, Ca 95670

916-601-5270

cycle.1@live.com

http://finsecurity.com/RTaylor

The purpose of this newsletter is to provide information of general interest to our clients, potential clients and other professionals.  The information provided is general in nature and should not be considered complete information on any product or concept described.  For more complete information, please contact my office at the phone number above.

MEDICARE IS IT BANKRUPT ALREADY?

FIRST THE BITTER REALIZATION THAT SOCIAL SECURITY IS IN JEOPARDY AND NOW:

MEDICARE, WILL IT BE BANKRUPT?

Blog entry by Randy Taylor Financial Services, Randy Taylor
                       (916) 601-5270 for life insurance or IRA savings account estimates.

This author tends to think that we have to prepare for the worst. We should use  long term care insurance for health catastrophies, and retirement income via indexed annuity savings accounts or others, to replace or protect us against a Social Security downfall.

  Read this interesting 3rd party article regarding the instability of Medicare and make your own conclusions
NaturalNews) - Almost every American who has read a newspaper, watched T.V. or signed onto the Internet in the past few years knows that Medicare, one of the government's largest entitlement programs, is in financial dire straits and is heading for insolvency. What you may not know is that Medicare bankruptcy is closer than even the most pessimistic of previous estimates.

An annual report issued last week by the trustees of Medicare said the program won't have enough funds to pay full benefits by 2024, a full five years sooner than last year's estimate and one that may yet be even rosier than reality.

"Projected long-run program costs for both Medicare and Social Security are not sustainable under currently scheduled financing, and will require legislative corrections if disruptive consequences for beneficiaries and taxpayers are to be avoided," a summary of the report said.

Moreover, a statement issued with the annual report by Treasury Secretary Timothy Geithner said more must be done to boost financing for the program, such as "contain health-care costs," lest Medicare - and the government's other healthcare entitlement programs - become "unsustainable."

The truth is, the program has long since been "unsustainable," because for years it's been little more than a Ponzi scheme, as tax dollars from one generation are used to finance previous - and future - generations.

Investigative journalist John Stossel says what's really going on with Medicare is that the young are picking up the healthcare tab for senior citizens, even those who are financially well-off. And while today's Medicare recipients did, in fact, contribute to the program from their own paychecks when they were still working, experts Stossel says "the average Medicare beneficiary today collects two to three times more money than he paid in."

"We locked up Bernie Madoff for running a Ponzi scheme. Medicare is a bigger one," says Stossel.

Worse, the unfunded portion of Medicare is bad and getting worse. A 2008 assessment by the program's trustees found that Medicare's unfunded liability portion is $74 trillion, five times more than Social Security's unfunded liability. And the government only expects its healthcare outlays to grow.

One of the reasons why Medicare - and any government-run healthcare system, for that matter - is so expensive and an impediment to better healthcare in the first place is because it is a system that is inherently inefficient. And that built-in inefficiency is why so much Medicare money is wasted on entire industries like Big Pharma.

"While our health-care system has some of the most innovative treatments in the world, Medicare's payment system imposes many barriers to innovations in using those treatments efficiently and effectively," says John C. Goodman, president of the National Center for Policy Analysis. "In normal markets, cost efficiencies and quality improvements mean larger net revenues when an entrepreneur finds a better way to provide products or services. By contrast, entrepreneurial efforts under Medicare all too often find their greatest reward when they exploit the system by finding ways to bill more for more services, rather than improve it."

Goodman says studies show that patients - especially those who are chronically ill - "can often manage their own care as well as, or better than, conventional physician care, and at lower costs, when given the support they need."

Now that Medicare's officially broke, what better time to implement real healthcare reform and let people pursue their own, natural, solutions?

Learn more: http://www.naturalnews.com/032452_Medicare_bankruptcy.html#ixzz1Mvx92xOP

It is o.k. to reproduce this blog entry as long as it is copied in it's entirety and not altered in any way.  For unbiased estimates or information regarding life insurance or fixed annuity savings account comparions; contact Randy Taylor below:

 Randy Taylor Financial Services
 Randy Taylor

 (916) 601-5270

Copyright, Creative Commons License, 5/20/2011

.

21 Ways To Increase Your Facebook Fanbase

A COMPREHENSIVE OVERVIEW OF WAYS TO USE TIPS AND MEDIA TO INCREASE YOUR FACEBOOK FANBASE.

Randy Taylor
Become a Facebook fan: https://www.facebook.com/RandyTaylorFinancial
Youtube: http://www.youtube.com/watch?v=wIcVL3UqmdMWebsite:    http://finsecurity.com/r
Life insurance and I.R.A. Account Specialist
Serving clients and brokers since 1983
(916) 601-5270


Creative Commons Copyright april 4, 2011
( It is o.k. to copy and distrilbrute this article if copied in it's entirety and not altered in any way.



Mari Smith offers several ideas of how to use different media including print media to increase traffic to and followers of your Facebook Fan Pages. While most of these tips can be automatically implemented by the beginner; you will still want to use a social media expert to help you add some features like widgets and embedding that are referenced. Facebook in itself may not be enough to generate leads for all businesses; but using the number one site in the world to enhance your brand cannot be questioned.
Mari's article in it's entirety is available below for your use.
21 Creative Ways To Increase Your Facebook Fanbase : By Mari Smith
by CVP Marketing Group on Monday, March 21, 2011 at 10:21am

21 Creative Ways To Increase Your Facebook Fanbase

By Mari Smith

(due to the disabling of the "suggest to friends" option in Facebook. I am posing this article by Mari. It has some very good ideas and suggestions for building your fans. You will find a few references to the "Suggest to friends" option. Remember, this has been disabled by Facebook at this time. It is time to get creative folks!

Greg)



If you build a Facebook Page, will fans come? This is the great hope for many businesses. However, fans do not magically appear from the Facebook mist.



People must be lured to your fan page. And there are some good and bad ways to go about doing this. In this article, I’ll share a big myth and 21 ways to drive more fans to your Facebook fan page.



(Although Facebook recently changed the “Become A Fan” button to the new, omnipresent “Like” button – and a fan page is called a “Business Page” or “Facebook Page” – we can still call them fan pages and people who join are fans!)



The Big Myth

There’s a great myth that once you create a Facebook fan page for your business, the first thing you should do to get fans is invite ALL your friends from your personal profile using the “Suggest to Friends” feature.



Unfortunately, this strategy may not be that effective and can, in fact, often backfire. I have seen many industry gurus complain that when they decline a fan page request, it’s frustrating to continue to be asked again and again.

There are several reasons not to use the Suggest to Friends feature:

• Facebook users can only like up to 500 pages and may wish to be selective. (Though I have seen it’s possible to go over this limit).

• Fan page suggestions may often build up, unnoticed. (At last count, I have 593 overlooked fan page suggestions and am already a fan of 500!)

• To aggressively pursue all your friends to join your fan page – for no apparent incentive – is counterintuitive to the nature of social media.

So, the good news is there are many ways to promote your fan page and proactively increase your fan base without bugging all your current Facebook friends, and also by thinking wider than just Facebook.




Here are 21 ways to get more fans for your Facebook fan page:


#1: Embed Widgets on Your Website

Select from a number of the new Facebook Social Plugins and place them on your website and blog. The Fan Box widget is now the Like Box and it works well to display your current fan page stream and a selection of fans -

You might also consider the Live Stream widget for more advanced uses. The Live Stream widget allows Facebook users to add their comments to a live event, for example, and that activity pushes out into their stream.


#2: Invite Your Email and Ezine Subscribers

Assuming you have an opt-in email list, definitely send out an invitation to your subscribers via email (several times, over time) letting them know about your fan page and encouraging them to join. Ideally, provide them with a description of the page and an incentive to join.

Be sure to have the Facebook logo/badge appear in your HTML newsletters. Instead of the usual “Join our Fan Page,” say something creative like “Write on our Facebook wall,” or “Join our Facebook community,” or “Come add your photo to our Facebook group” (where “group” is actually your fan page). Users have to be a fan in order to interact with your fan page in this way.


#3: Add to Your Email Signature Block

Instead of promoting your Facebook personal profile (if you do), include a link to your fan page in every email you send out. If you use web-based email, check out the Wisestamp signature addon.


#4: Make a Compelling Welcome Video

Create an attractive landing tab (canvas page) with a video that explains exactly a) what your fan page is about, b) who it’s for and c) why they should become members. The result: you’ll increase your conversion rate from visitors to fans. One of my favorite fan page welcome videos is by Steve Spangler, the Science Guy! After watching his video, you can’t help but want to join!

(By the way, with the new Facebook changes, if your custom welcome tab and video talk about clicking the “Become A Fan” button, you may want to change the wording to “click the Like button” now).


#5: Use Facebook Apps

I recently tested a new live video-streaming app called Vpype. The app adds a tab to your fan page called “Shows” and when you broadcast as your fan page, everyone can view by default. (You can also broadcast as your personal profile and selectively invite friends/friend lists). By announcing via Twitter, your personal Facebook profile, your blog and your email list, you can broadcast regular live Internet TV shows from your fan page and create much buzz.

Another example of app integration is Target’s “Bullseye Gives” campaign. Target had their fans vote on which of ten charities they most wanted to see the company donate to. By voting, a post goes out onto your Facebook wall and into the News Feeds of all your friends, thus providing Target with valuable exposure.


#6: Integrate the Facebook Comment Feature

My favorite example of this is the t-shirt company Threadless. On their landing tab (canvas page), you can view and purchase t-shirts as well as Like and comment on any item and choose to have that comment posted to your Facebook profile. Threadless actually has their landing tab set up so visitors don’t have to become a fan to purchase/comment/interact. Yet they have organically built well over 100,000 fans.

As users comment on items, that activity is pushed out into their stream (profile wall and their friends’ News Feeds), which creates valuable viral visibility for your fan page.


#7: Get Fans to Tag Photos

If you host live events, be sure to take plenty of photos (or even hire a professional photographer), load the photos to your fan page and encourage fans to tag themselves. This, again, pushes out into their wall and friends’ News Feeds, providing valuable (free!) exposure. And, a picture says a thousand words – we notice the thumbnails in our feed more than text.


#8: Load Videos and Embed on Your Site

Facebook’s Video feature is extremely powerful. You can load video content to your Facebook fan page, then take the source code and embed on your blog/website. There is a “Become a Fan” button right in the video itself. For an excellent tutorial, see Nick O’Neil’s post: How To Get Thousands of Facebook Fans With a Single Video.

[UPDATE: Since Facebook changed the Become a Fan button to the Like button, embedded Facebook videos now display a white watermark hotlink of the Facebook name in the upper left corner of the video player. This is a clickable link that goes to the original video page on your fan page. If the visitor to your site clicks through to Facebook from your video, and they are logged into Facebook at the time, they will see a Like button at the top left corner of the video player.]


#9: Place Facebook Ads

Even with a nominal weekly/monthly budget, you should be able to boost your fan count using Facebook’s own social ad feature. It’s the most targeted traffic your money can buy. To buy an ad, scroll to the foot of any page inside Facebook and click the link at the very bottom that says “Advertising.” From there, you can walk through the wizard and get an excellent sense of how many Facebook users are in your exact target market.

Then, when you advertise your fan page, Facebook users can become a fan (click the Like button) right from the ad. Additionally, Facebook displays several of your friends who have already liked you, thus creating social proof.


#10: Run a Contest

This is somewhat of a gray area because Facebook changed their Promotional Guidelines last year. Essentially, you need prior written permission from Facebook and need to be spending a significant amount on ads per month. However, you CAN require Facebook users to become a fan of your fan page in order to enter a contest, sweepstakes, drawing or competition. PLUS, good news: you CAN run contests and sweepstakes with the use of the apps created by Wildfire App.


#11: Link to Twitter

Link your Twitter account to your Facebook fan page and automatically post your Facebook content to Twitter. You can edit what gets posted, choosing from Status Updates, Photos, Links, Notes and Events.

You have 420 characters on the Facebook publisher and 140 on Twitter. In the tweet that goes out, Facebook truncates your post past a certain character count and inserts a bit.ly link back to your fan page. To track click-through stats on that link, just paste the bit.ly link that Facebook created for you in your browser’s address bar and add a “+” sign to the end. This works for any bit.ly link!

I also recommend you promote your Facebook fan page on your Twitter background and possibly in your Twitter bio/URL field too.


#12: Get Fans to Join Via SMS

Your fans can join your fan page via text message! You’ll need to get your first 25 fans and secure your username. Then, to join your fan page, Facebook users just send a text message to 32665 (FBOOK) with the words “fan yourusername” OR “like yourusername” (without the quotes).

This feature is ideal when you’re addressing a live audience, say. Have everyone pull out their mobile phones and join your fan page on the spot! This would also work well for radio or TV. (Note that this only works for Facebook users with a verified mobile device in his or her account.)


#13: Use Print Media

Look at every piece of print media you use in your business. Your Facebook fan page (as well as Twitter and any other social sites you’re active on), should be clearly displayed. Put your Facebook fan page link (and the logo) on your business cards, letterhead, brochure, print newsletter, magazine ads, products, etc.

#14: Display at Your Store/Business

If your business is run from physical premises, put a placard on the front desk letting your customers know you’re on Facebook. Ideally, you have a simple, memorable username. Incentivize customers to join right away via their mobile device and show you/your staff the confirmation for some kind of instant reward!

You might give out physical coupons promoting your fan page. For restaurants, put the Facebook logo, your username and a call to action on your menus.

I was at a hotel in San Francisco last fall and they had a placard in the elevators promoting their presence on Facebook and Twitter. The sign was very noticeable because of those ubiquitous Facebook and Twitter logos/colors!


#15. Add a Link on Your Personal Profile

If you’d like to promote your fan page to your Facebook friends, just under your photo on your personal profile there is a section to write something about yourself. I call this the “mini bio” field and strongly suggest adding a link to your fan page like so:


Be sure to format the URL with http:// otherwise it will not be clickable with just the www’s. You have a limited amount of characters, so keep it succinct and leave out the www’s. You can put in hard line breaks though to make the content easier to read.


#16: Add a Badge/Button to Your Profile

Using an app like Profile HTML or Extended Info, you can create your own custom HTML, including a Facebook badge and/or graphic embedded, as shown in the screenshot below:


#17: Use the Share Button

The Share button is all over Facebook and is a very handy feature. It only works for sharing on your personal profile. So periodically go to your fan page, scroll toward the bottom left column and click the “Share+” button. Add a compelling comment along the lines of exciting news, recent changes, special incentives, etc., happening on your fan page and invite your friends to join if they haven’t already. I find the Share button far more effective than the Suggest to Friends approach. (And, if you’d like to Share content from the web on to your fan page vs. profile, I highly recommend using the Hootlet bookmarklet tool at HootSuite.com).


#18: Use the @ Tag

As long as you’re a fan of your own fan page, you can “@ tag” it on your own personal profile wall. From time to time, you can let your friends know about something happening on your fan page by writing a personal status update that includes tagging your fan page with an @ tag. Simply start typing the “@” symbol and the first few letters of your fan page name (this works whether you have your username registered or not), and it will appear from a drop-down menu to select. This then makes it a nice, subtle hyperlink that your friends can choose to click on.


#19: Autograph Posts on Other Walls

A subtle way to gain more visibility for your fan page is to add an @ tag for your fan page when writing on your friends’ walls as a way to sign off.

I would use this one sparingly and, again, monitor the response from your friends. I have never been a fan of adding a signature block on Facebook wall posts because our name and profile picture thumbnail are always hyperlinked right back to our profile anyway. But the simple @ tag could be effective.

#20: Autograph Other Fan Pages

As with adding your fan page @ tag to posts you make on your friends’ walls, you could equally use the same technique when posting on other fan pages. This needs to be used with discretion and I would advise against doing this on any potentially competing fan page!



#21: Maybe Use “Suggest To Friends”

I won’t rule this one out completely as it does depend on how many friends you have, your relationship with your friends, how often you suggest fan pages/friends to your friends, etc (see ‘The Big Myth’ above). But I do recommend monitoring the response to this technique – perhaps simply by asking for feedback in your status update.

Reprint offered by: Randy Taylor Financial Services
Licensed since 1983
Over 4,000 insurance and annuity clients served
1(916) 601-5270

6 COMMON TAX ERRORS

AVOID THESE 6 COMMON TAX FILING ERRORS:

THE WALL STREET JOURNALS'S 30 LAST MINUTE TAX TIPS NOTES THE
FOLLOWING INCOME TAX REPORTING ERRORS TO WATCH FOR:


OVERSTATING CHARITABLE DEDUCTIONS

DEDUCTING MORTGAGE POINTS INCORRECTLY

OVERLOOKING THE "kiddie" tax.

MISSING THE MAKING WORK PAY CREDIT

OMITTING SMALL INTEREST PAYMENTS

ROTH CONVERSION ERRORS AND FILING EXTENTIONS

* The final word is that you are best advised to always seek the counsel of
a trained tax professional so that you don't miss important deductions or file
incorrectly. This summary is an excerpt from The Wall Street Journal and not meant
to be taken as tax advice.

In the Sacramento Valley I recommend:
George De La Mora at (916) 760-2480 Elk Grove
Lani Coggins at......(916) 773-7053 Roseville
Kenneth Cone at......(408) 859-3109 Natomas/ Sacramento
Michael Row .........(916) 601-7064 For Quick Books Help, etc.

8 Most Common Tax Audit Triggers. California or Federal

THE I.R.S. HAS ADDED MORE AUDITORS. AVOID MAKING COMMON MISTAKES THAT CAN TRIGGER AN AUDIT.
( The following article is reprinted for entertainment only. You should consult with your tax preparer before filing your taxes or for tax advice.)

The April 2nd, 2011 Wall Street Journal warns against 8 Audit Triggers to Know About:

Mortgage Interest Deductions Over $50,000.

Large charitable contributions, especially of non-cash items.

Schedule C business losses of more than 2 years in a row.

Home-buyer tax credit.

Rental Real Estate, especially with losses.

Payouts to subchapter S owners who earn little or no compensation.

Large Deductions in relation to income,especially for business
travel or entertainment.

Home Office - maybe if high.

The final word is that you are best advised to always seek the counsel of
a trained tax professional so that you don't miss important deductions or file
incorrectly. This summary is an excerpt from The Wall Street Journal and not meant
to be taken as tax advice.
For IRA product options call me directly: Randy Taylor 1 (916) 601-5270
FOR SPECIFIC TAX ADVICE:
In the Sacramento Valley I recommend:
George De La Mora at (916) 760-2480 Elk Grove