A Business Plan

A Business Plan

There are several types of Business Plans

One is a very formal plan that is given to grant application and loan officers. this has many forms for many objectives. A simple business resume is not a formal plan.

A business resume is a simple less formal plan of objectives usually used in sales and marketing. 

The Nuts and Bolts is a basic or very detailed plan for managers and owners to use to stay on track. 

For each of these plans it takes notes and knowing what it is you want, and what can can go wrong, how to deal with that, expected savings, how much marketing, where the dollars you spend gain the most momentum. 

Research to answer all those questions. 

and self discipline to address each and every good and bad. 

I can assist in MOST of these area's Legal and IRS Structure of larger business's requires a certified help. But for most startups and small business I can help you create all these documents. 

protect yourself

There are several ways to protect yourself from 

The State's and the IRS

The laws about child support are a tricky set of laws that few people understand.And like many parents I only understand the effects of what The State's do to the paying parent. There are lots of reasons people fall behind on child support and your STATE does not care. Injury, illness, lay offs, corporate down sizing, and even the mother not coming forward for years and boom one day as a parent you find yourself 3 years behind. LIFE and the State have very little in common. At the Court House steps you become a villain, The State pays the attorneys to hate you and the judge to only see the children, not the facts. Most of the laws by design were thought up FOR THE KIDS but the fact is 100 family's create 100 lives different from each other. 

Injured at Work

A friend got in an accident at work, he broke his leg. Of course the Workers Compensation part of being an employee was immediately notified. But they are allowed to drag their feet and do as they wish. He had surgery and then was sent home to recover. Not a lazy man and had worked and supported his children all along. Month one went by and recovery was not going as planned. He needed an additional surgery to repair some veins. Workers Comp waiting for a return to work date did NOT issue paychecks and he fell behind on child support. With a CDL and driving truck his only work, he was stuck. The division of Child Support took his Drivers License. He was off work 11 weeks and when the Dr released him to work he was fired for no license. 

LIENS

The State put liens on semi-trucks. So the owner could not license them, so they could not work to make an income. Ready to work contracts in place and the trucks couldn't move. An appeal was filed and 8 weeks later a court date. The owner took the Titles of the trucks he could not use and told the judge, TAKE THESE TITLES and apply the value to my support. IF I can't work because of your liens reduce my child support to ZERO. The judge released the liens but no credit was issued for the months the trucks or driver could not work. 

$55 a month to support a child. 

My husband was an asphalt construction worker. The State of WA required him to be paid Union Scale which at the time was around $28 an hour. So when we divorced he was to pay $480 a month but him and I agreed to $280, because of course some months he was on unemployment. His unemployment was max at 300 to 400 per week. I received $280 till he re-married. During an unemployment period SHE processed the papers to reduce his child support. The judge set it at $55 a month. The State would not allow me a court date for a minimum of 35 months. What kind of rule is that? Makes no sense that he chose not to work dropping his child support but then returning to work I couldn't go to court and increase support. 

No Christmas gifts, no birthday gifts, no school shopping. YES my reasons to divorce were indeed valid. I divorced a puke. He never attended to any of our daughters needs.  

when the 3 years passed his wife had a day care. House payment, electric, and car payments were then a deduction leaving his income at minimum wage and his life style $50,000. My daughter was only worth $166 but step-mom drove a brand new CAMERO and they owned the house. 

CHILD SUPPORT and other kids

Many people have Children with more than one parent. This is not uncommon at all. and the other kids should starve. It is a sad fact that The State and The IRS do not care if ALL CHILDREN are provided for. The IRS will take Earned Income Credit for one child and send it to pay support for a different child. UNEMPLOYMENT IS REDUCED 50% for child support debt and no concern about feeding kids in the home. 

RICH people use these practices every day and no one thinks anything about it. 

YOU CAN PROTECT YOUR SELF AS WELL 

A Business Licence
If you have a home business no matter how small apply for an (EIN) Employer Identification Number. This will create you separating your business and deductions from your personal taxes. The part that helps you is you can not only deduct expenses, like travel and even GIFTS, but you can separate working capital it takes to run the business. My experience with this was very real. And tho my daughter suffered, my X husband gained LEGALLY over me. 

Corporation
The liens to equipment can be avoided by the fact that corporations are an INDEPENDENT ENTITY they can own buy sell transfer property. They have no children so support is not an issue. They issue PAYROLL so there is clear history of moneys, earned or lost that is separate from an X that hate you. And a state that won't protect you from the hate.Corporations cost about $200 to set up with the State. You can write your own Articles or you can have an attorney write them.


Trusts
The wealthy use trusts to protect themselves from many things. Trusts are really tricky with lots of laws, differences, and if's. I don't know anything about individual types of Trusts IF a trust is what you think you need I would recommend you find a Trust ONLY Attorney.

NONE of this KNOWLEDGE is to help anyone avoid child support. But the protection is available to use against the State not valuing both parents and an X that hates you. Do not avoid paying your fair share for your children. Take them school shopping, remember them at Christmas and birthdays. Attend their school events and respect their person. 

3 Documents that Say I LOVE YOU

What would your world be like if tomorrow just driving to 

work you found yourself in a car 

accident that left you unable to speak. 

Would your children or spouse know; 

WHAT YOU WANTED 

Would they be aware of how much you love them. 

There are 3 documents (4 actually) that are your last opportunity to say what you wish, these documents are the last I love you; you say. And with out them Your family will feel a whole list of emotions.

I am so dedicated to these documents that MINE have been in place since I was 19 

When I was 17 my grandfather passed away. But not without life support being removed. My family was devastated. As I stood in the hall of the hospital I listened as each of his children had a different plan. There was no one my grandfather put in charge. My mom made decisions and her brothers and sister fought her. Then that evening the fighting started over his possessions. As a young girl raised with good morals I stood dumbfounded as the close nit family was arguing over silver dollars and shot guns. Before the birth of my first child I took all that burden away from my children. For my children they have MOM'S instructions....no room for fighting in the halls of the hospital and no need to worry about my silver dollars they have already had a name tag put on them.

The first is your Living Will ie Advanced Directives

This document first lets your loved ones know what you want but it also takes away all the guilt associated with the last physical choices you make. My daughter has all my documents, but she has very few choices to make and other siblings can not second guess the choices that are made. I believe 3 Dr 3 Days. If that car wreck came or a stroke or heart attack, my daughter takes this LIVING WILL hands it to the Dr signs the instruction sheet and MY Last living will; will be executed just as I want the Dr to do. No guilt, argument, or guessing. (My General Doctor has a copy)

My living will includes ORGAN Donation instructions. My daughter with a different set of beliefs about Organ Donation has no choices or guilt in my decision.

Advanced Directives and Mental Health Advanced Directives
Are two separate documents. If you take any psychiatric medication have any Psychiatric conditions or have ever been Hospitalized for Psychiatric condition this is a separate yet IMPORTANT document. While "sane" or what a doctor would call stable, these directives are for Mental Health issues. I have Mental Health Advanced Directives because I am allergic to lithium, a common psychiatric drug. so if ever I am found in a Mental Health facility my wishes will be known.(My therapist and my General Doctor has copies)

I have in place a POA both living and after death (Power of Attorney)

She; my POA has copies of all my documents, her job in case is to take those documents to the attending physician. During life when I can not make decisions my daughter that I know will do as I ask; has my permission to get to bank accounts sign for treatments or a DNR. 

My Will

This document has a list of this goes to this person and this goes to this person. It lists a Representative, that is my request to the court appoint to be in charge and get things done. It lists what bills, insurance, and assets I have. It is a blue print of what I want for my children and grand children. I did this document to save my children from that arguing mom and her siblings were doing. 

Last Wishes

Of all the documents I have written this is the HARDEST. It is to be opened by whom ever is officiating at either my service or when the will is read. This is a LOVE LETTER, to family. It starts with a general note from me. Then each of my family members are listed by name, and a love letter to them. My children, grand children, brother,



For people that are general income these documents can seem out of reach. There is some legal stuff that goes along with these documents. I have purchased from an attorney templates for these and I type the personal information in. I can in no way offer legal advise but filling in the personal information is what I can do to help the lay person fill out these papers.