Al Aiello - The Renaissance Goldmine. The Renaissance Goldmine of Brilliant Tax Strategies for Real Download free with. Easy-to-use software system that.

1. Al Aiello 1964 Cyclone

• Madison Taylor
• 3 years ago
• Views:

Transcription

1 Brand New! More Insider Secrets To Avoid IRS Audits Albert Aiello, CPA, MST, RE Investor 1

2 About Al Aiello, CPA, MS Taxation, Real Estate Investor: Al has been a real estate investor for over 25 years. He first got his real estate license and went on to broker millions of dollars of real estate. He then got his CPA by passing the first time; then got his Masters in Taxation graduating with the highest honors in this rigorous program. He was immediately hired as adjunct professor where he taught partnerships, corporations, asset protection and real estate taxation (a course that he suggested, created and developed). With his home study courses, he has thousands of students across the country who uses his strategies to pay little or taxes, to auditproof their returns against the IRS and to protect their assets. Al is known to have a character of high integrity; is professional, congenial, and well-liked by seminar participants More Documented Testimonials (Mostly Unsolicited) Albert Aiello is one of the most trusted scholars in real estate taxation and 1031 exchanges in the country..al Brindisi, CPA, Former IRS trainer. Your Goldmine Package is the deal of the century!.. Shey Justice, Yours was the only course I purchased that weekend, and in all honesty, it was the best investment I have made..craig Collins, I am personally thankful to Al Aiello. He saved my wife and I over sixty thousand dollars in taxes we would have had to pay last year. I highly recommend you get his complete course..sincerely, Jeffrey Taylor Founder, MrLandlord.com. 2

3 More Insider Secrets To Avoid IRS Audits Author: Albert Aiello, CPA, MS Taxation, RE Investor Publisher: ISUInformation Services Unlimited ALL RIGHTS RESERVED BY STRICT COPYRIGHT LAW Copyright All Rights Reserved. Printed in the United States of America. First edition. Copyright - Information Services Unlimited (ISU). Please respect the thousands of hours invested to research and create this intellectual property and our rights to this material. No part of this program may be sold (including on the internet), transferred, reproduced by any means, stored in any information retrieval system or transmitted in any form or by any means without the specific written permission of ISU. This intellectual property is for YOUR USE ONLY as a single licensee and not for your clients, customers, patients, partners, business associates, family members, friends, professional advisors, NO one else; unless you are given express written permission from ISUInformation Services Unlimited specifically allowing who else can use this intellectual property. Legal action will be brought against you and/or your company if you are found to have made ANY unauthorized copies of these materials, in part or in whole. Unauthorized copying is AGAINST THE LAW, regardless of intent: No matter if you make a profit or not, you are committing a serious copyright infringement crime, punishable by severe fines and imprisonment, and you may be held liable under BOTH civil and criminal law. 3

4 ALERT: Giving out these IRS Audit Proofing Secrets, without express written permission, will give ISU the right to cancel your VIP Goldmine Membership without refunds. Please use this for your own benefit as you made the investment. DISCLAIMER These materials are designed to provide informative and useful information. Tax laws are subject to change and vary according to individual circumstances. ISU and Albert Aiello are not in the business of rendering legal, tax, or other financial advice. It is to be understood that tax, legal or other financial advice is not being rendered. Accordingly where the situation dictates, a more thorough research of the applicable law (or other data) may be necessary as well as the counsel of a competent professional. The referenced sections are from The Renaissance Goldmine of Goldmine of Brilliant Tax Strategies Real Estate Investor s, A Tax Reduction Software System by Albert Aiello. For more info go to $149 4

5 More Insider Secrets To Avoid IRS Audits CONTENTS 7 IRS Forms That Could Invite An IRS Audit Why You Should Not File Them: 1.IRS FORM SCHEDULE C 2.IRS FORM SCHEDULE E 3. IRS Form IRS Form IRS Form 872-A 6. IRS Form IRS Form SS-8 Powerful Unknown IRS Audit-Proofing Technique Al Aiello Money-Saving E-Reports and E-Books From AlAiello.com QUESTIONS TO AL RESOURCES FOR MORE INFO 5

6 7 IRS Forms That Could Invite An IRS Audit Why You Should Not File Them! As long as you aren t breaking the law by doing so, don t tell the IRS things it doesn t know about you that could get you into tax trouble. Be alert about filing these tax forms that may seem beneficial for you, but that aren t required. Reason: They may cause the IRS to audit you. IRS forms that you should never file 1.IRS FORM SCHEDULE C. This form is used for single proprietorship businesses. Schedule C (Profit or Loss From Business) is very commonly known and used. Problem. The odds of being audited are based on several factors such as your income, industry, geographic area and the type of forms you file. Although income is considered to be the most dominant factor, the odds of being audited may not necessarily increase as your income does. But in some recent years, more selfemployed individuals with income under $25,000 were audited than those with income over $100,000. Self-Employed often means Schedule C, which could be you. IRS Trap: IRS agents love to audit Schedule C s because they are so familiar with them. 6

7 What To Do: File lesser audited forms using another entity such as a corporation or partnership. Schedule C is not the only schedule to report business income and expenses. There are other schedules. For example, if you are two or more people (or entities), you can run your business as a partnership and file a partnership return (IRS Form 1065). Form 1065 is audited much, much less than Schedule C. If you run your business as an S- corporation, you file IRS Form 1120S. If you run your business as a C-corporation, you file IRS Form According to IRS experts small corporate returns are not audited as much as Schedule C s. When selecting another entity for your business, there are other tax and legal considerations. For more info refer to my Tax Bible course. Go to and request Tax Savings Business Owners. EXCEPTION TO ABOVE: If you had a small amount of entries on your Schedule C for a very small business, you do not claim home-office deductions, and your total expenses are $2,500, then consider using Schedule C-EZ. 2.IRS FORM SCHEDULE E. This form is used for single owned rentalcommercial properties. Schedule E (Supplemental Income and Loss) is very commonly known and used by real estate investment owners. IRS Trap: IRS agents also love to audit Schedule E s because they are so familiar with them. 7

8 What To Do: File lesser audited forms for your real estate holdings, preferably an LLC-Partnership (IRS Form 1065). Form 1065 is audited much, much less than Schedule C or E and corporations. If you wanted the limited liability protection of an LLC, a two or more member LLC files form For more info refer to Renaissance Goldmine SAP IRS Form Owners of pass-through entities should never file IRS Form 8082, Notice of Inconsistent Treatment or Administrative Adjustment Request, with their tax returns. S corporations, partnerships, and trusts that distribute income to their owners report this income to the owners and to the IRS on a Schedule K-1 that categorizes the distributed income as interest, capital gain, qualified dividends, etc. Problem: The Schedule K-1 may be mistaken, or the recipient may disagree with the entity s managers about the nature of the income (e.g., whether dividends are tax-favored qualified dividends or not). If you disagree with information on a K-1 that reports income to you, you can t just recategorize the income on your tax return. Instead, the IRS says that you must file Form 8082 to tell it of the discrepancy and give an explanation of why you think the reporting is wrong. 8

9 IRS Trap: Doing so tells the IRS that your pass-through entity may be misreporting income. It also notifies them of anything else you state in your explanation (e.g., there is a dispute among the owners ). This essentially invites the IRS to audit not only you but the entity itself and everyone* else receiving income from it. *They may not appreciate that! What To Do: When you receive a K-1, examine it right away. If you find a problem, address it with the manager of the entity and get a corrected K-1 before filing your return. Or file your return using the data on the K-1 you have, then after you receive a corrected K-1, file an amended tax return with the corrected numbers. That way, the IRS will never know about your entity s mistakes, internal disputes, or other problems. 4. IRS Form People with dubious items on their tax returns should never file IRS Form 8275, Disclosure Statement, with their returns. The IRS says that you should file this form to disclose questionable or gray-area deductions or positions on your return, and provide your justification for taking them (such as citing court cases that you rely on). IRS Trap: The IRS says that if you do, and then your return is audited and the disclosed item is disallowed, the IRS won t add a 9

10 penalty to the taxes and interest it collects. Many taxpayers find this attractive as a way of audit-proofing their tax returns. Telling the IRS that you have questionable items on your return simply asks it to audit you-and, if you are selected for audit, the IRS can examine your entire return. It isn t limited to examining the items on the Form If your return is audited a deduction is challenged by the IRS, you face the exact same task in defending it whether or not you reported it on Form 8275-only you are more likely to be audited if you have filed it. What To Do: Don t file it. The slight potential savings of an avoided penalty isn t worth the increased risk of incurring an audit, back taxes, and interest. 5. IRS Form 872-A. Taxpayers being audited should never file IRS Form 872-A, Special Consent to Extend the Time to Assess Tax IRS auditors often run up against the deadline of the three-year statute of limitations on the time in which they can assess tax. When they do, they typically ask taxpayers to file this form to extend the deadline-and may threaten to disallow every questionable item on the return if the taxpayer doesn t comply. The taxpayer could be forced to go to Tax court to defend these items. 10

11 IRS Trap: Form 872-A applies to the entire return and is openended-it gives the IRS forever to examine your entire return. What to do: Tell the auditor that you will sign only a limited extension applying only to specified items on the return for a limited time. This contains the audit and forces the IRS to complete it. The form to use is IRS Form 872, Consent to Extend the Time to Assess Tax. You can negotiate like this because IRS Auditors are graded on the job by how they close cases so the auditor doesn t want to disallow your deductions in a way that you can appeal to the Tax Court. You can go to the Small Case Division of Tax Court to appeal up to $50, of tax per tax year without using a lawyer. After filing your case, you will meet with an IRS Appeals officer and get a chance to defend your disputed deductions without going to trial at all. 6. IRS Form Owners of start-up businesses should never file IRS Form 5213, Election to Postpone Determination as to Whether the Presumption Applies that an Activity is Engaged in for Profit. ( Hobby Loss Provision) Most new businesses incur start-up losses, sometimes for years. But you can deduct these on your personal tax return against other income if your business is a proprietorship, S corporation, or partnership. This gives the business a subsidy from the government and makes the business a personal tax shelter for you. 11

12 Problem: An IRS auditor who sees the losses may conclude that you are not operating your activity with the profit motive needed to qualify it as a business. You have a hobby. Then your losses, and all business expense deductions, too, will be disallowed. But the IRS lets owners of start-up businesses file Form 5213 to defer any determination of their business s profit motive status for five years after its start-up, with no risk of an audit in the meantime. (Note: There is a seven-year testing period for horse breeding, showing, and racing.) IRS Trap: The owner doesn t have to worry about an IRS audit for five years and can safely deduct all losses in the meantime. Sounds good, but the owner assumes that after five years, there will be no problem with lack of profits or showing a profit motive. Filing the form essentially asks the IRS to audit you after five years by telling it you expect to be running a business at a loss during that time. Moreover, in reality, many businesses fail in their first years without ever showing a profit. If your business is one of them, tipping off the IRS by filing this form may result in the IRS disallowing all of the business losses you deducted going back the full five years, since Form 5213 extends the statue of limitations for auditing your business return to five years from the normal three. What To Do: Simply don t file the form. The IRS probably will never really notice your business and if it does, and challenges your deductions, you can defend them as appropriate, and at worst, be at risk for only three years instead of five. 12

13 What Else To Do: Demonstrate and be able to prove your intent to make a profit in your business as follows: 1. Keep good records by using a separate business checking account, which should not be used for personal expenditures. Keep separate business records. This is most important! 2. Write a complete business plan and engage expert professional advice. 3. Document that you do spend at least a reasonable amount of time and effort in the business. Do this by way of your daily record book, correspondence, minutes, etc. 4. For business losses sustained, document that they were because of circumstances beyond your control such as depressed market conditions, a poor economy, closing down of businesses in your area, bad news (such as 9/11/01), poor health, illness, death, restrictive government regulations, fire, theft, natural disasters, etc. 5. Use a separate entity for each of your businesses, such as a corporation or Limited Liability Company (LLC). The entity should have its own financial resources and capital to fund the business. For your entity use a fictitious name, not you name or any derivative of. Reason: A separate business entity along with its own federal ID number and fictitious name gives more of the image of a business. 6. Pursue the business to really make money! Further references: For business owners, refer to my Tax Bible course, Section 2, or you can order at by requesting Tax Savings Business Owners. For real estate investors refer to The Renaissance Goldmine SAP 13, or you can order at 13

14 7. IRS Form SS-8. Business owners should never file IRS Form SS-8, Determination of Worker Status for Purposes of Federal Employment Taxes and Income Tax Withholding. One of the hottest tax disputes regarding businesses remains the categorization of workers as either employees or independent contractors. This form asks the IRS to rule on this issue for you, on the basis of answers that you provide on a questionnaire. IRS Trap: You are sure that your workers are contractors and that the IRS will rule that they are, thus settling the issue in all future discussions with workers, state employment agencies, etc. The IRS is very highly biased toward ruling workers to be employees. It may shock you by doing so with your workers making your firm liable for back employment taxes and penalties. What to do: Simply treat your contractor workers as contractors, such as using an ironclad Independent Contractor Agreement, and issuing them a Never ask the IRS about them. Further reference: For more info and strategies, refer to Section 14 of my Tax Bible course and The Independent Contactor s Agreement Kit. Or you can order at by requesting Tax Savings Business Owners 14

15 Powerful Unknown IRS Audit-Proofing Technique Deliver Return On 10/15 Background: One strategy to reduce your chances of an audit is to file an extension for your tax return. That is, you can minimize your chances of being audited by filing as late as legally possible. A tax return filed around April 15 generally has a greater chance of being audited then one filed on October 15 (the latest possible date). This is because the IRS schedules audits more than a year in advance. As returns are filed and scored by computer, local IRS districts submit their forecasted requirements for returns with audit potential. The fulfillment is made from returns already on hand. If your return is filed on October 15, there is a smaller chance that it will be among the returns shipped out to the District Office in the first batch. As a result of scheduling and budget problems that are likely to develop in the two years after your return has been filed, it may never find its way into the second batch slated for examination. Even Better: Do not mail or certainly do not E-File your tax return. Instead, exactly on the day of October 15 th (or Monday October 17th if 15 th falls on a Saturday, or Monday October 16th if 15 th falls on a Sunday), during normal business hours physically deliver your signed completed IRS copy of your individual tax return to your nearest IRS office (or whatever IRS office is convenient for you). Make sure you have a written receipt from the IRS person acknowledging receipt of your return. Do NOT lose this receipt. I recommend that you do this, or a trusted representative such your tax preparer or spouse. According to my advisory board of experts, doing it this way will result in your return to be in an even later batch to the district office making it more probable that the 15

16 return will never find its way into that second batch slated for examination. It may just get lost. While no guarantee, it certainly is worth the effort. ACKNOWLEDGEMENT: The above technique was shared with me by foremost tax and IRS experts - - Ron Noll, CPA, MS Taxation and Bill Noll, Tax Attorney. They are part of my advisory board of experts and are available for tax-reduction planning and asset protection services for real estate investors and business owners. They are superb. If you are a student, with your full name, phone number and VIP code, me for their contact info. Al Aiello Money-Saving E-Reports and E-Books From AlAiello.com How To Determine The Competence Or Incompetence Of A Tax Advisor, Including Your Own Having trouble finding a good CPA? Tired of the big costs from having the wrong one? Or do you want to do well without one? This report is your solution! Go to scroll down below Al s picture to the menu item MONEY-SAVING Reports to report no. 1 Show Tax Losses On Your 1040, Yet Show Lenders You Are Making Money! Four great ways to so this and get the loan Go to scroll down below Al s picture to the menu item 16

17 MONEY-SAVING Reports to report no. 2 How To Deduct Any Cruise-Convention And Still Have Fun! Let the tax savings pay for the cruise and it s all legal! Go to scroll down below Al s picture to the menu item MONEY-SAVING Reports to report no. 3 How To Take Maximum Advantage Of The $250,000/$500,000 Exclusions Of Gains On Home Sales Includes Little-Known Creative Tax-Free Strategies For Investors Too Go to scroll down below Al s picture to the menu item MONEY- SAVING Reports to report no. 4 Powerful Insider Secrets To Avoid IRS Audits IRS Audits Are Traumatic Scary, Expensive, Time- Consuming, Aggravating And On The Rise! Keep the IRS OUT of your life! Go to scroll down below Al s picture to the menu item MONEY-SAVING Reports to report no. 5 How To Have Multiple LLC s For Your Properties With One Tax Return and One Checking Account, In Any State 17

18 Great Protection While You Save Hundreds, Even Thousands In Legal & Accounting Fees Go to scroll down below Al s picture to the menu item MONEY-SAVING Reports to report no. 6 8 Costly Roth-IRA Traps - How To Avoid Them and Save $1,000 s Prevent Your Retirement Savings From Being Wiped Out! Go to scroll down below Al s picture to the menu item MONEY-SAVING Reports to report no. 7 How To Fully Deduct Rental Property Deductions Even If You Are Not Personally Liable On Low/No Money- Down Mortgages (Including Subject-To s), Or Even If You Do Not Have Legal Title STOP CPA s And IRS Agents From Disallowing Interest And Other Property Deductions On Subject-To Mortgages, Costing You BIG time! Go to scroll down below Al s picture to the menu item MONEY-SAVING Reports to report no. 8 How Property Owners In ForeclosureShort Sale Can Avoid Paying Taxes On 1099Forgiveness Of Debt STOP Losing Great Foreclosure Deals Because The Property Owner 18

19 Does Not Want To Pay Taxes On 1099 Debt Forgiveness! Go to scroll down below Al s picture to the menu item MONEY-SAVING Reports to report no. 9 Millionaire Tax Strategies for Real Estate Investors Little-Known Ways for Real Estate Entrepreneurs to Create Enormous Tax Savings and Build Millionaire Wealth Unknown By Most CPA s Go to scroll down below Al s picture to the menu item MONEY-SAVING Reports to report no. 10 QUESTIONS TO AL RESOURCES FOR MORE INFO The Q&A helpline with Al is only available to Al Aiello students who have purchased one or more of his home study systems as follows: The Renaissance Goldmine of Brilliant Tax Strategies For Real Estate Investors - Easy-To-Use Software Program That Will Dramatically Increase Your Cash Flow With The Absolute Best Taxsaving Secrets in The Country, Specifically for Real Estate Investors. Includes a Q&A helpline for real estate tax questions. For more info go to The Ultimate Tax Bible for Self-Employed Entrepreneurs - The Consummate Tax-Reduction System for Small Businesses, Home-Based, Independent Contractors and Other Business Entrepreneurs. Includes Superb Strategies (different than the Goldmine above) That Will Legally 19

20 Save You Hundreds Even Thousands of Dollars More In Taxes! Includes a Q&A helpline for business tax questions. For more info go to and request Tax Savings Business Owners The LLC Master Machine - How to Set up and Operate Your Real Estate LLC for Maximum Legal Protection, Tax Savings and IRS Audit Proofing - Save $1,000 s WITHOUT Expensive Lawyers. For both new and existing LLC s. Includes a Q&A helpline for LLC legal questions. For more info go to ALL RIGHTS RESERVED BY STRICT COPYRIGHT LAW Copyright All Rights Reserved. Printed in the United States of America. First edition. Copyright - Information Services Unlimited (ISU). Please respect the thousands of hours invested to research and create this intellectual work and our rights to this material. No part of this program may be sold (including on the internet), transferred, reproduced by any means, stored in any information retrieval system or transmitted in any form or by any means without the specific written permission of ISU. Legal action will be brought against you and/or your company if you are found to have made ANY unauthorized copies of these materials, in part or in whole. Unauthorized copying is AGAINST THE LAW, regardless of intent: No matter if you make a profit or not, you are committing a serious copyright infringement crime, punishable by severe fines and imprisonment, and you may be held liable under BOTH civil and criminal law. 20

NOLO. Nolo s Guide to Limited Liability Companies: Forming an LLC

NOLO Nolo s Guide to Limited Liability Companies: Forming an LLC Table of Contents LLC Basics..3 Limited Personal Liability for LLC Owners..3 Exceptions to LLC Owners Limited Liability..4 LLC Management..4

More information

GOT TAX PROBLEMS? THINGS THE IRS DOESN T WANT YOU TO KNOW (BUT YOU WILL LEARN BY READING THIS!)

GOT TAX PROBLEMS? THINGS THE IRS DOESN T WANT YOU TO KNOW (BUT YOU WILL LEARN BY READING THIS!) When I was a young lawyer, I assumed the Internal Revenue Service was like my father strict and stern, but

More information

Six Forms of Doing Business

Excerpted from FastTrac NewVenture When identifying an appropriate legal form of business, most often entrepreneurs consider these factors control, taxes, liability, transferability of ownership, longevity

More information

Starting and Running a Successful Small Business 10 Tips

Starting and Running a Successful Small Business 10 Tips This Guide has been prepared by DAN W. KEHR, ESQ. for informational purposes only and does not constitute advertising, a solicitation, or legal

More information

Incorporating Your Business

A Guide To Incorporating Your Business How to Form a Corporation or LLC Reduce Your Taxes Protect Your Assets Minimize Your Liability Improve Financial Flexibility By Attorney Brian P.Y. Liu Founder of

More information

The Top Seven Financial Pitfalls Every Homeowner Facing Foreclosure Must Avoid

The Top Seven Financial Pitfalls Every Homeowner Facing Foreclosure Must Avoid The foreclosure process is perplexing, even for those experienced in real estate. Real estate agents, attorneys, mortgage

More information

Williams Bankruptcy A Debt Relief Agency helping people eliminate debt and obtain relief under Chapter 7 of the Bankruptcy Code

A Publication of the Law Office of Richard L. Williams Williams Bankruptcy A Debt Relief Agency helping people eliminate debt and obtain relief under Chapter 7 of the Bankruptcy Code Tips for Questionnaire

More information

11 Powerful Tax Strategies for Real Estate Investors

11 Powerful Tax Strategies for Real Estate Investors Author: Publisher: Albert Aiello, CPA, MS Taxation, RE Investor ISUInformation Services Unlimited ALL RIGHTS RESERVED BY STRICT COPYRIGHT LAW Copyright

More information

Online Banking Disclosure and Terms

Online Banking Disclosure and Terms Online Banking is a service provided to you by Ion Bank which permits you to access your accounts with Ion Bank in order to transfer funds, pay bills or check the status

More information

BETTER YOUR CREDIT PROFILE

BETTER YOUR CREDIT PROFILE Introduction What there is to your ITC that makes it so important to you and to everyone that needs to give you money. Your credit record shows the way you have been paying your

More information

Credit Card Agreement for Neiman Marcus/Bergdorf Goodman in Capital One, N.A.

Jay sankey secret files torrent. Credit Card Agreement for Neiman Marcus/Bergdorf Goodman in Capital One, N.A. There are two parts to this Credit Card Agreement: Capital One Pricing Information and the Capital One Customer Agreement.

More information

Online Banking Agreement and Disclosures

Online Banking Agreement and Disclosures This agreement states the terms and conditions that apply to your use of Online Banking services offered by Eastman Credit Union. Please read this agreement carefully.

More information

DAVIS SMITH ACCOUNTING ASSOCIATES, P.A.

DAVIS SMITH ACCOUNTING ASSOCIATES, P.A. 5582 Milford-Harrington Hwy. Harrington, DE 19952 (302) 398-4020 (302) 398-3665 fax Email: info@davis-smithaccounting.com Web site: www.davis-smithaccounting.com

More information

O1 ONLINE BANKING Agreement Option 1 Credit Union

O1 ONLINE BANKING Agreement Option 1 Credit Union By enrolling in Option 1 Credit Union s O1 ONLINE Banking service, you agree to the addition of the following to the Terms and Conditions for Personal

More information

How Property Owners In ForeclosureShort-Sale Can Avoid Paying Taxes On 1099Foregiveness Of Debt

NEW PROBLEM-SOLVING RESEACH REPORT: How Property Owners In ForeclosureShort-Sale Can Avoid Paying Taxes On 1099Foregiveness Of Debt Albert Aiello Includes Avoidance Strategies For Both Home Owners In

More information

ATTORNEY ADVERTISEMENT* The Schwartz Law Group, P.C.

ATTORNEY ADVERTISEMENT* The Schwartz Law Group, P.C. The Jericho Atrium 500 North Broadway, Suite 124 Jericho, N.Y. 11753 Tel. 516-333-7020 Fax 516-333-7058 Email: SchwartzEsq@aol.com Specializing in Income

More information

SPECIAL REPORT: 4 BIG REASONS YOU CAN T AFFORD TO IGNORE BUSINESS CREDIT!

SPECIAL REPORT: 4 BIG REASONS YOU CAN T AFFORD TO IGNORE BUSINESS CREDIT! 4 BIG REASONS YOU CAN T AFFORD TO IGNORE BUSINESS CREDIT! Provided compliments of: FIRSTUSA DATA SERVICES, LLC 877-857-5045 SUPPORT@FIRSTUSADATA.COM

More information

Protecting Against Financial Abuse. A guide for older Albertans, their families and friends

Protecting Against Financial Abuse A guide for older Albertans, their families and friends Reprint September 2013 It can happen to anyone Financial abuse is one of the most frequently reported types of

More information

A Guide to LLCs. Forming a Limited Liability Company

A Guide to LLCs Forming a Limited Liability Company Advantages of Forming an LLC Real Estate Investments and LLCs Operating and Maintaining an LLC Comparing LLCs to Other Business Structures Table of Contents

More information

NEVADA LLCs BRIDGEWAY. Legally Quickly Conveniently Inexpensively Anonymously ASSET PROTECTION & FINANCIAL PRIVACY FINANCIAL CORPORATION

BRIDGEWAY FINANCIAL CORPORATION Asset Protection Consulting NEVADA LLCs ASSET PROTECTION & FINANCIAL PRIVACY Legally Quickly Conveniently Inexpensively Anonymously We now live in a litigious society. What

More information

The Examination Process. The IRS Mission

The IRS Mission Provide America s taxpayers top quality service by helping them understand and meet their tax responsibilities and by applying the tax law with integrity and fairness to all. The Examination

More information

Political Committee and Political Fund Handbook Last Revised 7/2/2015

Minnesota Campaign Finance and Public Disclosure Board www.cfboard.state.mn.us (651) 539-1180 (800) 657-3889 Political Committee and Political Fund Handbook Last Revised 7/2/2015 Welcome.. 3 Starting

More information

Credit Card Agreement for Best Buy Retail Cards in Capital One, N.A.

Credit Card Agreement for Best Buy Retail Cards in Capital One, N.A. There are two parts to this Credit Card Agreement: Capital One Pricing Information and the Capital One Customer Agreement. The Pricing

More information

Terms and Conditions for Tax Services

Terms and Conditions for Tax Services In the course of delivering services relating to tax return preparation, tax advisory, and assistance in tax controversy matters, Brady, Martz & Associates, P.C. (we

More information

Top 10 Tax Tips for Small and Growing Businesses

Top 10 Tax Tips for Small and Growing Businesses Published Jul. 31, 2011 Taxes are one of the most important issues facing small and growing businesses. And like a company's profits, its annual tax bill

More information

L.A. Tax Service, LLP 8350 MELROSE AVE. 2 ND Fl. #202 LOS ANGELES, CA 90069 TEL: (323) 658-5271 FAX: (323) 658-1114. Client Name: Dear Client,

L.A. Tax Service, LLP 8350 MELROSE AVE. 2 ND Fl. #202 LOS ANGELES, CA 90069 TEL: (323) 658-5271 FAX: (323) 658-1114 L. A. TAX SERVICE, LLP L. A. TAX SERVICE, LLP L. A. TAX SERVICE, LLP Client Name: Dear

More information

How to Choose a Tax Preparer

How to Choose a Tax Preparer You must file a file a Federal income tax return on or before April 15, 2008 if your income is above a certain level. The amount varies depending on filing status, age and

More information

A Guide to Incorporating Your Business

A Guide to Incorporating Your Business Forming a C or S Corporation Advantages of Incorporating Operating and Maintaining a Corporation Comparing C Corps., S Corps. and LLCs Table of Contents INTRODUCTION..........................

More information

IMPACT. Taxpayer implications of an Economic Downturn TAX IMPLICATIONS

TAX IMPLICATIONS IMPACT Taxpayer implications of an Economic Downturn By Joseph LiPari, CPA, M.B.A. As the United States continues to be mired in its worst recession in 80 years, we are all well aware

More information

Tough Questions. Questions The Insurance Adjustors Don t Want You To Ask. By Christopher M. Davis, Attorney at Law

Tough Questions Questions The Insurance Adjustors Don t Want You To Ask By Christopher M. Davis, Attorney at Law Davis Law Group, P.S. 2101 Fourth Avenue Suite 630 Seattle, WA 98121 206-727-4000 Davis

More information

According to the United States Bankruptcy Code there are 6 types of bankruptcies, called chapters :

FAQ Bankruptcy What does bankruptcy mean? Bankruptcy is a legal procedure that allows people to legally avoid their debts or reorganize their financial obligations through a payment plan. How many bankruptcy

More information

NEVADA CORPORATIONS BRIDGEWAY ASSET PROTECTION & FINANCIAL PRIVACY. Legally Quickly Conveniently Inexpensively Anonymously FINANCIAL CORPORATION

BRIDGEWAY FINANCIAL CORPORATION Asset Protection Consulting NEVADA CORPORATIONS ASSET PROTECTION & FINANCIAL PRIVACY Legally Quickly Conveniently Inexpensively Anonymously We now live in a litigious society.

More information

YOUR LEGAL RIGHTS DURING

YOUR LEGAL RIGHTS DURING AND AFTER BANKRUPTCY: MAKING THE MOST OF YOUR BANKRUPTCY DISCHARGE Copyright April 2011, Legal Aid Society of Hawai`i All rights reserved. These materials may not be reproduced

More information

TAX PROCEDURE (DN 893) ASSIGNMENT 28 - - - SETTLEMENT AGREEMENTS WITH THE IRS (DRAFT DATE - DECEMBER 8,, 2014) Table Of Contents

TAX PROCEDURE (DN 893) ASSIGNMENT 28 - - - SETTLEMENT AGREEMENTS WITH THE IRS (DRAFT DATE - DECEMBER 8,, 2014) Table Of Contents Table Of Contents.. -1- Assignment 28 - - - Settlement Agreements With

More information

ONLINE BANKING AGREEMENT

ONLINE BANKING AGREEMENT 1. The Service. In consideration of the Online Banking services ('Services') to be provided by Bank of The Valley ('BANK'), as described from time to time in information distributed

More information

CALIFORNIA FALSE CLAIMS ACT GOVERNMENT CODE SECTION 12650-12656

CALIFORNIA FALSE CLAIMS ACT GOVERNMENT CODE SECTION 12650-12656 12650. (a) This article shall be known and may be cited as the False Claims Act. (b) For purposes of this article: (1) 'Claim' includes any

More information

PLATINUM CREDIT CARD AGREEMENT

Credit Union of Colorado, A Federal Credit Union VISA PLATINUM PREFERRED and VISA PLATINUM CREDIT CARD AGREEMENT Card Services Department: 1390 Logan Street, Denver, CO 80203 (303) 832-4816 1-800-444-4816

More information

NEVADA LLCs ASSET PROTECTION & FINANCIAL PRIVACY. Legally Quickly Conveniently Inexpensively Anonymously

NEVADA LLCs ASSET PROTECTION & FINANCIAL PRIVACY Legally Quickly Conveniently Inexpensively Anonymously We Now Live In A Litigious Society What does that mean to you? YOU Need Protection Now! Without Asset

More information

ONLINE BANKING ENROLLMENT FORM. Customer Information. Security and Identification Information. Bank Use

ONLINE BANKING ENROLLMENT FORM Complete a separate form for each user Please print this Application and Terms & Conditions and fill out completely. If you have any questions about these forms, call one

More information

Don t Panic: Your Complete Guide

IRS Audit Letters Don t Panic: Your Complete Guide to Understanding IRS Audit Letters 1.866.866.1555 www.toptaxdefenders.com This guide is a resource for anyone who worries about an IRS audit. In the following

More information

Anthony Mancuso, 2007 Operating Agreement for Member-Managed Limited Liability Company Page 1 www.nolo.com

LIMITED LIABILITY COMPANY DATASHEET This document will cite some of the basic facts for an LLC and conclude with a sample Operating Agreement for a Member-Managed LLC. As a new business you know that you

More information

CONSOLIDATED COMMUNITY CREDIT UNION ONLINE BILL PAY BILL PAYMENT AGREEMENT & DISCLOSURES

YOU SHOULD READ CAREFULLY THE FOLLOWING TERMS AND CONDITIONS BEFORE YOU USE ONLINE BILL PAY. YOU MAY NOT ACCESS OR USE ONLINE BILL PAY WITHOUT FIRST ACKNOWLEDGING YOUR ACCEPTANCE OF THESE TERMS. CONSOLIDATED

More information

Free Legal Consumer Guide Series www.southernmarylandlaw.com

Free Legal Consumer Guide Series Brought To You By Meeting All Your Legal Needs for 50 Years 2 How to Do An Annual Review of Your Legal & Financial Situation HOW TO USE THIS GUIDE If you read this guide,

More information

Doing It Right the First Time! Avoiding the Most Common Tax Return Errors by Jamie Golombek

March 19, 2014 Doing It Right the First Time! Avoiding the Most Common Tax Return Errors by Jamie Golombek Preparing your tax return can be a daunting task. While nearly 70% 1 of individuals engage tax

More information

INVESTMENT ADVISORY AGREEMENT

INVESTMENT ADVISORY AGREEMENT Global Market Raiders, LLC ( Adviser ), a registered investment adviser under the Investment Adviser s Act of 1940 (the 'Adviser s Act') agrees to act as an investment adviser

More information

Business Types and Payroll Taxes

Minority Business Development Division (MBDD) Prince George s County Office of Central Services Legal Issues and Taxes Facing Small and Minority Businesses October 26, 2010 Business Types and Payroll Taxes

More information

The goal today is to accomplish three things:

MARK SHERMAN, CPA The goal today is to accomplish three things: 1. Educate you on The Mortgage Forgiveness Debt Relief Act of 2007. 2. Show you how to save taxes on your real estate business. 3. Help you

More information

Information for Worker s Compensation Clients

Information for Worker s Compensation Clients Overview of the Worker s Compensation Act Indiana Worker s Compensation cases are governed by a State law known as the Worker s Compensation Act. The legislature

More information

Choice of Entity. Shareholders of publicly traded corporations can come and go with ease

One of the most important decisions facing a new business owner is the selection of the most appropriate legal entity for their new business. There are several options including C Corporations, S Corporations,

More information

Have Information to Make the Right Decisions!

Here's Your Free Report.. How To Stop Foreclosure! Dear Homeowner, My name is Michael Riley. I am a Real Estate Investor and I can share with you the secrets to saving your home from foreclosure. I have

More information

Credit Card Agreement for Union Privilege Cards in Capital One, N.A.

Credit Card Agreement for Union Privilege Cards in Capital One, N.A. There are two parts to this Credit Card Agreement: Capital One Pricing Information and the Capital One Customer Agreement. The Pricing

More information

Chapter 4 Legal Ethics

Chapter 4 Legal Ethics Yes. You read that right legal ethics. Har de har. Go ahead. Get it out of your system. How about this one? Why do scientists prefer using lawyers over lab rats? There are some things

More information

The Importance of Corporate Record Keeping. Protect Your Company So It Can Protect You!

The Importance of Corporate Record Keeping Protect Your Company So It Can Protect You! Table of Contents 3. Congratulations! 4. What Do All Business Entities Have In Common? 5. Small Closely Held Companies

More information

Appendix L: Nebraska s False Medicaid Claims Act Nebraska Statues Chapter 68 November 2013 Section 68-935 Terms, defined.

Appendix L: Nebraska s False Medicaid Claims Act Nebraska Statues Chapter 68 November 2013 Section 68-935 Terms, defined. For purposes of the False Medicaid Claims Act: A. Attorney General means the Attorney

More information

Peoples Online Services and E-Sign Agreement

Peoples Online Services and E-Sign Agreement This Peoples Online Services Agreement and Disclosure ('Agreement') explains the terms and conditions governing basic online services and bill pay services

More information

James H. Greene and Mennie Johnson sued Cash America and other Defendants alleging that they made improper and unlawful payday loans.

THE STATE COURT OF COBB COUNTY, GEORGIA THIS IS A COURT ORDERED LEGAL NOTICE You may be affected by a class action lawsuit if you received a payday loan from or had a loan serviced by Georgia Cash America,

More information

DESCRIPTION OF THE TAXPAYER PROTECTION ACT OF 2007

DESCRIPTION OF THE TAXPAYER PROTECTION ACT OF 2007 Scheduled for Markup By the HOUSE COMMITTEE ON WAYS AND MEANS on March 28, 2007 Prepared by the Staff of the JOINT COMMITTEE ON TAXATION March 26, 2007

More information

The Federal Circuit Affirms a Court of Federal Claims Decision Dismissing Foreign Tax Credit Refund Claims as Untimely

Tax Controversy Services IRS Insights In this issue: The Federal Circuit Affirms a Court of Federal Claims Decision Dismissing Foreign Tax Credit Refund Claims as Untimely.. 1 The Court of Federal Claims

More information

Pulaski Bank. www.pulaskibankstl.com. Electronic Funds Transfer ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE

www.pulaskibankstl.com Electronic Funds Transfer ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE For purposes of this disclosure and agreement the terms 'we', 'us' and 'our' refer to. The terms 'you'

More information

FREQUENTLY ASKED QUESTIONS

FREQUENTLY ASKED QUESTIONS 1. What are my options? In general terms, most people either file a Chapter 7 or a Chapter 13. A Chapter 7 is a straight bankruptcy where you wipe out your bills and a Chapter

More information

FUNDS AVAILABILITY POLICY. This Disclosure describes your ability to withdraw funds at Westerra Credit Union.

FUNDS AVAILABILITY POLICY This Disclosure describes your ability to withdraw funds at Westerra Credit Union. 1. General Policy. Our policy is to make funds from your cash and check deposits available to

More information

58 JOURNAL OF COURT REPORTING / APRIL 2001

?? 58 JOURNAL OF COURT REPORTING / APRIL 2001 B Y P E T E R W A C H T Independent contractor status remains a hot issue for freelance reporters. If you don t know and follow the requirements, an unpleasant

More information

Mortgage Secrets. What the banks don t want you to know.

Mortgage Secrets What the banks don t want you to know. Copyright Notice: Copyright 2006 - All Rights Reserved Contents may not be shared or transmitted in any form, so don t even think about it. Trust

More information

Mandatory Arbitration

Mandatory Arbitration The Alternative To Trial By Christopher M. Davis, Attorney at Law 206-727-4000 Phone: 206-727-4000 Fax: 206-727-4001 info@injurytriallawyer.com Copyright 2007 by Christopher Michael

More information

EQUITABLE FEDERAL CREDIT UNION VISA CREDIT CARD AGREEMENT

EQUITABLE FEDERAL CREDIT UNION VISA CREDIT CARD AGREEMENT In this Agreement the words you and your mean each and all of those who apply for the card or who signs this Agreement. Card means the VISA Credit

More information

HP0868, LD 1187, item 1, 123rd Maine State Legislature An Act To Recoup Health Care Funds through the Maine False Claims Act

PLEASE NOTE: Legislative Information cannot perform research, provide legal advice, or interpret Maine law. For legal assistance, please contact a qualified attorney. Be it enacted by the People of the

More information

0.00% Introductory APR for seven cycles

Account Opening Disclosures Interest Rates and Interest Charges St. Mary s Bank Visa Platinum Business Annual Percentage Rate (APR) for Purchases APR for Balance Transfers APR for Cash or ATM Advances

More information

ONLINE BANKING AGREEMENT AND DISCLOSURE

ONLINE BANKING AGREEMENT AND DISCLOSURE This Online Banking Agreement and Disclosure ('Agreement') is the contract which covers your and our rights and responsibilities concerning Palisades Federal Credit

More information

U.S. Tax & Legal Consequences for Foreigners & Potential Residents

Eduardo Ed R. Arista, CPA, Esq. Ed@AristaLaw.com 2655 Le Jeune RD, 5 th Fl Coral Gables, FL 33134 PH: (305) 444-7662 Fax: (305) 444-7275 U.S. Tax & Legal Consequences for Foreigners & Potential Residents

More information

HOME LOAN? YOU CAN. by John Adams, for Fox5 GOOD DAY ATLANTA

SPECIAL REPORT: TURNED DOWN FOR HOME LOAN? YOU CAN STILL BUY A HOUSE! by John Adams, for Fox5 GOOD DAY ATLANTA If you are renting and happy, then this column is not for you. But if you ve tried to buy

More information

Free Report: How To Repair Your Credit

Free Report: How To Repair Your Credit The following techniques will help correct your credit and should be done with all Credit Bureaus. In this section you will learn the ways of removing negative items

More information

Business OrganizationTax Structure

Business OrganizationTax Structure One of the first decisions a new business owner faces is choosing a structure for the business. Businesses range in size and complexity, from someone who is self-employed

More information

How to Incorporate Your Business or Form a Limited Liability Company (LLC) Quickly and Easily 800-209-0128 WWW.INCORPORATE.COM WWW.LLC.

How to Incorporate Your Business or Form a Limited Liability Company (LLC) Quickly and Easily 800-209-0128 WWW.INCORPORATE.COM WWW.LLC.COM TABLE OF CONTENTS With help from the Company Corporation, incorporating

More information

Incorporating Today's Small Businesses

Incorporating Today's Small Businesses Our Service Parcorp Services offers complete and affordable formation services to small businesses and professional throughout the United States. Simply fill in the

More information

UNITED STATES BANKRUPTCY COURT DISTRICT OF MINNESOTA. NOTICE TO CONSUMER DEBTOR(S) UNDER 342(b) OF THE BANKRUPTCY CODE

B 201 (12/08) UNITED STATES BANKRUPTCY COURT DISTRICT OF MINNESOTA NOTICE TO CONSUMER DEBTOR(S) UNDER 342(b) OF THE BANKRUPTCY CODE In accordance with 342(b) of the Bankruptcy Code, this notice to individuals

More information

WHAT YOU SHOULD KNOW ABOUT YOUR CHAPTER 13 CASE. Your Trustee's name, address and office telephone number is:

A MESSAGE FROM THE CHAPTER 13 STAFF The Chapter 13 staff understands that making the decision to file bankruptcy was not easy. Some of the many factors which cause people to file bankruptcy include loss

More information

FAQ s (FOREIGN INVESTORS)

FAQ s (FOREIGN INVESTORS) WHAT IS FIRPTA? Foreign Investment in Real Property Tax Act, a statute that requires that a seller who is a foreign person permit a withholding of a part of the selling price

More information

WHAT YOU SHOULD KNOW ABOUT YOUR CHAPTER 13

WHAT YOU SHOULD KNOW ABOUT YOUR CHAPTER 13 (Revised January, 2002) This booklet was prepared to help you understand how your Chapter 13 case works and answer most questions that arise during your Chapter

More information

The CFO s Guide to Document Retention: What Records to Keep and How Long?

The CFO s Guide to Document Retention: What Records to Keep and How Long? Abstract Chief Financial Officers must organize all of a business financial paperwork in order to protect the business from penalties,

More information

MONEY MISTAKES. Consolidated Credit 5701 West Sunrise Boulevard Fort Lauderdale, FL 33313 1-800-210-3481 www.consolidatedcredit.

MONEY MISTAKES Consolidated Credit 5701 West Sunrise Boulevard Fort Lauderdale, FL 33313 1-800-210-3481 www.consolidatedcredit.org Congratulations on taking this important step to learn about issues dealing

More information

Independent Bank 230 W Main St Ionia, MI 48846 800.300.3193 www.independentbank.com ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE

230 W Main St Ionia, MI 48846 800.300.3193 www.independentbank.com ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE For purposes of this disclosure and agreement the terms 'we', 'us' and 'our' refer to

More information

Seven Things You Must Know Before Hiring a DUI Attorney

Seven Things You Must Know Before Hiring a DUI Attorney Seven Things to Know Before Hiring a DUI Attorney Copyright 2014 SmartWeb Online 1 Introduction Some people don t quite understand the severity of

More information

Factoring Structured Settlement Life - Contingent Payment Annuities What Judges Should Know

Factoring Structured Settlement Life - Contingent Payment Annuities What Judges Should Know By: Andrew S. Hillman, Esq., President and CEO, Specialty Asset Advisors, Inc. for Seneca One Finance, LLC May

More information

Are You Ready to Be Audited?

Are You Ready to Be Audited? The Internal Revenue Service s most intimidating weapon is the power to audit and well-heeled taxpayers are more likely to be the target. Audits are rare and getting rarer

More information

Limited Liability Company Basics

Limited Liability Company Basics By Bill Gregory, Regional Director Northwestern State University OSBDC Limited Liability Companies as with Corporations insulate personal assets of owners. LLC s can be

More information

TERMS AND CONDITIONS OF THE BILL PAYMENT SERVICE

TERMS AND CONDITIONS OF THE BILL PAYMENT SERVICE SERVICE DEFINITIONS 'Service' means the Bill Payment Service offered by your financial institution. 'Agreement' means these Terms and Conditions of the

More information

THE BASICS OF CHOOSING A BUSINESS ENTITY

Handout provided courtesy of WHAT IS LIABILITY? 1. Contract Liability THE BASICS OF CHOOSING A BUSINESS ENTITY Colin T. Cameron * Katz Ahern Herdman & MacGillivray PC 1.1. Contract: an agreement between

More information

Mutual Savings Credit Union Internet Banking/ Electronic Statement (e-statement) Disclosure Agreement

Mutual Savings Credit Union Internet Banking/ Electronic Statement (e-statement) Disclosure Agreement Internet Banking Mutual Savings Credit Union Internet Banking Agreement and Disclosure Agreement is

More information

Tax Implications of Yacht Charter Operations By Nick G. Tarlson, CPA, MST (Taxation)

Tax Implications of Yacht Charter Operations By Nick G. Tarlson, CPA, MST (Taxation) As a yacht owner and charter business operator, you will be subject to a number of tax rules. It is important that you

More information

FUNDS TRANSFER AGREEMENT AND DISCLOSURES

REG E DISCLOSURE This disclosure contains information about terms, fees, and interest rates for some of the accounts we offer. ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURES This form complies with

More information

Choice of Entity: Corporation or Limited Liability Company?

March 2014 Choice of Entity: Corporation or Limited Liability Company? By Gianfranco A. Pietrafesa* Attorney at Law There are many different types of business entities, including corporations, general

More information

THE IRS DOES NOT JUST GO AWAY What You Must Know When Dealing with Tax Issues and the IRS. Alex Curcuru

THE IRS DOES NOT JUST GO AWAY What You Must Know When Dealing with Tax Issues and the IRS Alex Curcuru The IRS Does Not Just Go Away What You Must Know When Dealing with Tax Issues and the IRS Alex Curcuru

More information

Corporate Internet Banking. Authorization Worksheets

Corporate Internet Banking Authorization Worksheets CLIENT AUTHORIZATION General Company Information Company Name: Client Number: Address: City, State, Zip: Contact Name: (Maximum 35 characters) Phone

More information

New Account Opening and Funding Service Terms and Conditions Disclosure

New Account Opening and Funding Service Terms and Conditions Disclosure This New Account Opening and Funding Service Terms and Conditions Disclosure ('Agreement') describes your rights and obligations

More information

Choice of Entity: Corporation or Limited Liability Company?

September 2012 Choice of Entity: Corporation or Limited Liability Company? By Gianfranco A. Pietrafesa* Attorney at Law There are many different types of business entities, including corporations, general

More information

Al Aiello 1964 Cyclone

Where employees can turn to when

Where employees can turn to when 1. Need legal advice on any matter. 2. You don t have a Last Will. 3. Your identity is stolen. 4. An insurance company doesn t cooperate on your claim. 5. A company refuses

More information

Chapter 25. Tax Administration and Practice. Eugene Willis, William H. Hoffman, Jr., David M. Maloney and William A. Raabe

Chapter 25 Tax Administration and Practice Eugene Willis, William H. Hoffman, Jr., David M. Maloney and William A. Raabe Copyright 2004 South-Western/Thomson Learning Tax Administration (slide 1 of 3)

More information

Free Legal Consumer Guide Series www.southernmarylandlaw.com

Free Legal Consumer Guide Series Brought To You By Meeting All Your Legal Needs For 50 Years 2 How To Handle A Traffic Ticket HOW TO USE THIS GUIDE If you read this guide, you will discover what you need

More information

Ascentra Credit Union ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE

Ascentra Credit Union ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE This Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning the electronic

More information

INCORPORATING YOUR BUSINESS IS POTENTIALLY THE SINGLE MOST IMPORTANT THING A BUSINESS OWNER CAN DO

INCORPORATING YOUR BUSINESS IS POTENTIALLY THE SINGLE MOST IMPORTANT THING A BUSINESS OWNER CAN DO Mark D. Klein, Esq. KLEIN LAW CORPORATION 15615 Alton Parkway, Suite 175 Irvine, CA 92618 (949) 453-7979

More information