Happy 2013 My Diva Darlings!!!!

Hello my Diva Darlings!!

I know. Where Have I been!!!

Well I've been right here in my home and with my family and friends and so very busy. My family and friends are doing well given our ages, Juanita and her family are also doing well, Juanita's grandbaby is growing and walking and talking, yes I've been spoiling her.

Princess my little 4 legged diva darling is also doing well but she was not happy when Mommy took her to the vet for a teeth cleaning, no not happy at all.

I know it's been months since I last posted frankly my Darlings in terms of business and investments I've given you the guide lines, so check back on my previous posts, and continue to subscribe to those finacial magazines I've suggested and read Barron's if you library carries it for more ideas.

Recently I heard that several research companies are looking into a 100 year old process to get usable fuel espeically for desiel fuel. They are looking into a fermention process from used sugars such as sugar beets, cane and other products, the process is feasible, so feasilbe that the oil companies may use it and put the oil producing countries ( and we know who they are) into a head lock. And its all renewable resources.

Now how good it is for planes I'm not sure, but for trucks, trains etc most definitely. So I am going to be watching for that.

Now about the tax thing, I and my tax preparer are waiting to see what "shakes down", what I have been doing it tying up my income into a trust with an income for investments, but I also donate a good deal to charities that I believe in.

In this case my Diva Darlings, talk with your CPA and your fiancial tax consultant and see what you can live on and what you can write off. Some people have been buying rental properties and plowing most of the income into upgrades and repairs, taking a write off that way, until it comes time to sell it then it's the capital gains, unless they plow it into another property. I know Darlings so confusing but talk it over with an expert, it's like going to school but dealing with Math.

O.K. My Dears this month is the time to gather all your tax papers and get them ready, I recommend making a tax appointment sometime in Feberuary, do not wait any later, you will have all your tax income reports by Jan 31, so its perfectly alright to make an appointment in February. The beauty about this is that you can have the "cushion of time" to make any changes before your taxes are submitted.

Now I do have to warn you my Darlings, it seems that there are some tax preparers that were working for H and R. Block and one other tax preparing franchise that have been doing idenity theft, this of course is giving an excellent company a very difficult reputation. So until those franchiese can correct this loop hole I recommend going to a licenced, bonded CPA tax preparer since their records are not open to anyone.

I have an excellent person doing mine but I recommend that you periodically check your credit and credit cards and bank usage to prevent any problems, using your check card aka debt card can be a problem and leaves you open for theft as well, so if you are doing business with a company that you are not familar with use a credit card, you have a better fighting chance of recovery than if you use a debt card.

This is also the time to shred old bills, I keep my utlitiy bills and credit card statements for 10 years so anything that was 2002 should be shredded, even receipts unless you need it for insurance purposes, such as a large ticket item. Auto repair receipts and maintance forms should be kept for the life time of the car or until you sell it or turn it in.

Check my previous postings on what to keep and what to get rid of for indepth reference.

This is also a good time to buy cards for the year, birthday, condolence, baby wishes, anniversery etc. and keep those in a speical card file.

Update your address book (hard copy), and have maintance done on your computer do a good "clean sweep" of it.

Yes my Diva Darlings January is not the time for fun and games this is a time for sorting and cleaning and clearing up and updating.

Unless you happen to have a 3 day weekend for Martin Luther King Jr.---then that I would have as a SPA weekend---yes, pamper yourself from the chill and the cold, unless you are planning to use that weekend for a major clean up.

And now my Diva Darlings, this Diva is going to go and have lunch with a dear friend of hers and do some stationary and stamp buying, yes I still send things by snail mail.

Until Anon. Kisses Darlings