Free Retirement Plan

When people tip in cash I get to take it under the table but when people tip on CC or check it shows up on my paycheck and is taxed. Is this legal in California? It doesn’t seem right.

No, you are wrong, when they tip you in cash you must still report it. When you receive tips you are required to pay your US income taxes on the money, it is up to you to keep some back to pay the tax at the end of the year. In California you will also have to pay your state income tax. Not paying income tax will be prosecuted more quickly than a lot of other crimes.

It may not seem right to you, but to those of us who do not get tips and have to pay taxes on our entire income it seems only more than fair.

Good Luck

I work full time, make $13 an hour, have no kids and am single. I have no retirement savings at all started and need to start with some kind of plan.

Honestly, … try this.
Visit swisscash.net
I am an investor with them and have a US$50K portfolio there. I’m getting paid every month on time as promised and guaranteed. The average returns are 20% per MONTH!
You can recover your initial investment amount within 8 months and then it’s profits on the run from there.
Read the details…it’s easy to understand.
It’s not an MLM…nothing to ‘market’. You can just be an investor and reap ur returns which are guaranteed as stipulated.
You can visit my financial site provided by them at www.swisscash.net/sgamk1632202
There are alot of negative blogs and people tagging it as a scam.
I know what has happened. There were reports that SC investors scammed others…but I wonder why the corrected newspaper reports are not being circulated. It was never a SC involvement but some clowns scamming others by encouraging them to invest with some Swiss Union Bank. Anyway, hell with others. SO far there has been no complaint from a single SC investor that he/she did not get paid as guaranteed.
By the way, I am in touch with some senior consultants of Swisscash and I must say, they are serious dynamic professionals and I’m confident they will be profitable for at least the next few years.
I started with $1K initially and then after my confidence with them, I have now increased to $50,000.
Best regards…Kaz

Let’s say a person wants to invest in a simple total-market stock index fund, and nothing else (besides bonds, etc). Should that person hold total-market stock index funds with multiple investment management firms rather than have their entire investment with one firm?

For instance, by holding total-market stock index funds with Fidelity, Vanguard, and Schwab, as opposed to just one of them.

I’m not talking about diversifying the allocation of the portfolio itself, since all of the index funds would be almost identical, and even one broad index fund is already diversified all by itself. Rather, I’m asking about reducing the risk of holding all one’s investments with one firm, if there is any risk to doing that.

No, that serves no purpose. The security you invest is only held by the broker in kind or in you name. If they go bankrupt, your security is safe because the broker had no stake in the investment but facilitated the sell. If you are happy with your investment strategy, just buy assets from one firm, preferably with the cheapest trades! BofA Direct Investor has $7 trades if you meet certain requirements.

My husbad and I have just started in online home loan services, and want to us free online classified ads as part of our adverstising plan.

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