Continuing Education in Older Years

Sometimes it’s a bit of a shock to return to university and take up studies again in courses that you have an interest in but little knowledge about. That’s what happened to me after a commission was received to remove the wall of blindness and speak to the world about reincarnation. Visions followed that took … Continue reading “Continuing Education in Older Years”

Sometimes it’s a bit of a shock to return to university and take up studies again in courses that you have an interest in but little knowledge about. That’s what happened to me after a commission was received to remove the wall of blindness and speak to the world about reincarnation. Visions followed that took me on a journey to understand where religions and other things have their roots. At the pinnacle of that learning curve I faced a giant mountain that had to be climbed.

That mountain was immense and it was shown to me over and again in visions and the direction to take was made very clear. First I had to sit an exam to qualify for entrance to the Australian National University. After some 30 years since my last exam I passed it with flying colours. Then came a decision about what subjects to take when the University made contact with an offer.

For some time, the Spirit had taken me along a path whereby language split up into original components and the meaning of words were suddenly taking on the role of records that no one could change. In every word we speak the past is highlighted once the code is broken. This lead me to undertake studies in archaeology, anthropology, linguistics, and philosophy.

At the age of 53 I thought it would be impossible for me to fit in with the younger crowd but that was wrong. I not only fitted in but kept right up there with them. The subjects proved to be a breeze given the research done previously. The lecturers had no problem with my work and were often astounded by my knowledge.

While not many would be coming from where the Spirit had taken me after my reincarnation it is something I can recommend to anyone. With a background of research and observations throughout my life to understand how and why people think and act as they do the courses were not only enjoyable but they changed my life.

There are so many things that older folk can still learn and putting their brain back in action through studies is a great way to overcome mental aging.

Increasing The After Tax Income Of Your Early Education Company


  1. Most US tax payers overpay their taxes.
  2. The 2015 IRS tax code has 74,608 pages, and it is constantly changing.
  3. You should always pay your tax bill.
  4. You should never pay a bill that isn’t yours to pay.

Here’s how it works.

Don’t just send your numbers to your CPA firm and wait to get your tax news. I’m involved in conversations with the owners and executives of early education companies most every day. Many times I hear that these smart, successful people are not telling their CPAs about expenses that can be written-off on their company tax returns. Here are some of the most commonly missed.

1. Software / Subscriptions:

In some years, the IRS has allowed this item to be expensed in one year. In others, it has been allowed under Depreciation. If you are trying in increase the market value of your EEC (Early Education Company), ask your CPA if it can be included in Depreciation. Part of increasing the market value of your EEC (Early Education Company), is creating the highest EBITDA (Earnings Before Interest, Taxes, Depreciation and Amortization) possible. Subscriptions to magazines can be deducted as well. It may not seem like a lot of money to worry about, but none us drive down the street throwing $100 bills out the window. Tell your CPA. Keep the money.

2. Auto Expense:

You have three options here.

1. Mileage – This is an easy one to skip, because nobody wants to keep up with it. However, the IRS allows write-offs for mileage, tolls and parking. The 2015 IRS mileage reimbursement rate is 57.5 cents per mile.

2. If your company is leasing a car for you, you can deduct the lease payments.

3. If your company is buying the car, you can deduct the interest on the car loan and depreciation on the vehicle.

3. Home Office:

The key to this one is that you must have a room or part of a room that is designated solely as your office. Your CPA should ask you what percentage of your home is “office space”. If, for example, your office equals 10% of the total square footage of your house, then your CPA should also write-off 10% of your rent or mortgage, insurance, utilities… etc.

4. Furniture:

Office-furniture purchases can be expensed or depreciated. Either way, it’s still better for you. Again, adding it to depreciation increases your EBITDA and helps to increase the market value of your EEC.

5. Office Supplies:

Most people remember the supplies purchased for the centers or schools, but not everyone keeps receipts for the supplies used at the home office. It’s easy to overlook these supplies because they are sometimes purchased in smaller quantities when you’re running personal errands. However, paper, pens, sticky notes add up over a year.

6. Office Equipment:

At work or in the home office, printers, copiers, computers, scanners, routers, fax machines, power strips are also tax deductible. Again, these items can be expensed in one year or depreciated over a few years… whatever is best for you.

7. Travel / Meals and Entertainment:

Hotel rooms travel (plains, trains and automobiles) and tips to your cab driver or the bellboy are all 100% deductible. Restaurant bills are 50% deductible.

8. Insurance:

Your EEC can pay for your health insurance, and it is 100% deductible. There are conditions here, but ask your CPA.

Remember, a dollar saved is the same as a dollar earned. You work really hard for your money. There is no reason to give it away after you’ve done that hardest part of the work.

How to Get Financial Aid for College Education for Single Mothers

Single mothers and mothers in the US can provide their family and children with a better future by securing a higher paid job. Well, this is possible only with the right kind of degree in hand earned at colleges. However, the road to success through education is quite tough as the costs associated with the higher studies at colleges are quite high, forcing many single mothers in the US to drop their higher studies in midway. High expenses apart, the additional crises of debt burden are there too, making college education an out of reach substance for single moms and mothers. Yet, there is a hope as the Obama administration has revamped grant programs for women, especially for single mothers or moms. This initiative has been taken towards empowering women and single mothers in the US so as to find them a better opportunity and make their lives better, leaving past the adversities behind.

The Obama Single Mother Grant is one of the best ways to help with college bills to avoid financial crises. Single mothers or mothers from low-income or no-income households can receive up to $5,000 as an educational benefit through The Federal Pell Grant program, also known as the Single Mother Grant. The US Department of Education monitors the entire program and pays out the financial assistance for higher studies for mothers through state-run organizations, participating colleges, action community agencies, charitable organizations and non-profit organizations. Always remember that female participants can easily receive free financial assistance through Obama approved government grant compared to male participants.

Considering Pell Grant, it is a need-based program; hence, it always aims at favoring the needs of single mothers. The federal Pell Grant offers you a great opportunity to escape the higher repayment rates of loans. Besides, it does not have to be repaid like loans. Earlier known as Basic Education Opportunity Grants (BEOGs), Pell Grant offers around $5,500 to the eligible single mothers for college tuition fees, as well as study materials and housing expenses.

How to Apply for the Federal Pell Grant

Remember, you are not entitled to receiving the Pell Grant for more than one college you want to pursue your higher studies. In order to receive the financial assistance, it is essential to complete the Free Application for Federal Student Aid, or (FAFSA). A proper application process is not complete without the filing of FAFSA. Once the FAFSA is filed, your financial needs are evaluated based on the information provided on the FAFSA. After the FAFSA gets processed, you are likely to receive a Student Aid Report, containing your eligibility for the Federal Pell Grant.