Ohio, City And Federal Payroll Checklist

Written by “Get Startups, LLC”

Not A Legal Advice.


Ohio Department of Taxation 1-888-405-4089 To Register

  • School District Withholding Tax
  • Employer Withholding Tax

Ohio School – District and Ohio Withholding

  •                   Quarterly: SD 101
  •                                         IT 501
  •                   Annually IT 941
  •                                      IT 3 (Ohio)
  •                                     SD 141
  •                                            940 Sch. A
  •                                             944
  •                                            W2, W3 + copy to Social Security Admin, Ohio and City
  •                                     Gateway

City of Columbus

  •          Form IT47 (application for new account)
  •         IT 11 Employer Quarterly Return of City Tax Withheld
  •         IT 15

Bureau Of Workers Comp 740 435 4210; 614-771-6835  Registration 1-800- ohicomp

  • monthly

Job and Family Services 877-852-0010

  • quarterly JFS 66111
  • quarterly 66105 payment
  • JFS 66113 payment

Federal Quarterly Registration 1-800-555-4477

  • Form 940,  941,  (or 944) plus tw0 payments 940, 941

(federal withholding, social security employer, social security employee, medicare employer, medicare employee)

Federal Annually

  • Form 940, 941 (or 944)

Employee Hiring Procedure

  • All new hires must complete Form W-4 before receiving their first paycheck.  Employee must enter information on marital status, number of dependents, and designated additional withholding amounts. Employers should only provide guidance from the IRS website about the form and not give any advice on what to write in the form.  Employees may change their W-4 form as often as they like. It’s the employer’s responsibility to keep track of the latest change employees made in their W-4 forms to reflect the wishes of the employee for withholding within the employees’ paychecks. Please, visit IRS.gov to receive information about for W-4.

 

  • Employer must also verify employee’s legal eligibility to work in the US. Employer must document the eligibility of new employees and must complete form I-9 by each new hire.  Employer  must keep a copy of such proof as a birth certificate or “green card” in employee’s file and verify provided information. Employer is not required to send I-9 to the government. Before employer makes a copy of the proof, employer must also receive employee’s consent to copy such proof. Employer may use such website for I-9 verification as https://www.uscis.gov/e-verify .

 

  • Even if your “new” employee is not new to you, the employer, they still must complete a job application form. Remember that employee-employer relationships may not only be friendship relationship, but they also create contracts of employment and both side have legal responsibilities. The job application form contains not only information about previous employment and employee’s education, but also contains employee’s consent that such information can be verified and copies be saved in employee’s file. For example, background check, references, drug testing, SSN, etc. When I consulted an attorney in Ohio for the first time, back in 2010, he strongly advised that employer must keep a daily log of employee’s work performance, in addition to keeping copies of employees’ consents.

Federal Taxes

Refer to IRS.gov to see details on FICA:

  1. Social Security
  2. Medicare Taxes.

Also unemployment taxes:

  1. federal unemployment tax (FUTA tax)
  2. state unemployment tax (sometimes called SUTA tax or state unemployment insurance).

Employer withhold half of the FICA tax from employee wages. The other half are employer payroll taxes that you pay.

Now Let’s Talk State Withholding And Registration

  1. Employers must register new employees with their state’s new hire notification system; this registration allows the state to collect child support payments from these employees and, of course, taxes. Refer to http://business.ohio.gov/hiring/ if you are employing in Ohio.
  2. Report new hires
  3. Certify foreign workers
  4. Hiring Ohioans with Disabilities: A Toolkit for Employers, Managers and Human Resource Professionals
  5. Individuals in Job Ready Status by County
  6. Employment First
  7. Work Opportunity Tax Credit (WOTC) Program
  8. Workers’ Compensation

9. Unemployment Compensation

Ohio Payroll Requirements

Per Ohio.gov:

An employer of domestic services can be a: private household, local college club, local chapter of a college fraternity or sorority. Domestic work includes the services of: cooks, waiters, butlers, housekeepers, maids, valets, baby -sitters, janitors, laundresses, caretakers, handymen, gardeners, chauffeurs, crews of private yachts and pilots of private airplanes for family use” (Ohio Department of Job and Family Services).

REQUIREMENTS & REGULATIONS

     1. UNEMPLOYMENT COMPENSATION:
If your domestic employee receives cash wages of
$1,000 or more in a calendar quarter in the current or proceeding calendar year, you
may need to comply with Ohio’s unemployment law. Contact the Ohio Department of
Job and Family Services (ODJFS) at (614) 466-2100 to request a Domestic Employment
Form UCO
-1. Information and forms are also available on-line at http://jfs.ohio.gov
*Remember to check local government agencies*

     2. WORKERS’ COMPENSATION:

If your domestic employee receives $160 or more in a calendar quarter, Workers’ Compensation Insurance is necessary (file Form U-3).
Contact the Ohio Bureau of Workers’ Compensation (BWC) at (800) 644- 6292.
Information and forms are also available on-line at
*Remember to check local government agencies*
     3. OHIO TAXATION:
It is not necessary to withhold Ohio income tax from your domestic employee’s wages. If you have questions, contact the Ohio Department of Taxation at
(888) 405-4039 for Business Tax Assistance; 888-405-4089 for Tax Registration; or
(800) 282-1782 for the Forms Request Line. Information is also on-line at http://www.tax.ohio.gov .
If you have questions about federal taxes, contact the IRS at (800) 829- 1040. The IRS is on-line at http://www.irs.gov . *Remember to check local government agencies*

Employer Withholding

Per Ohio.gov,  with rare exception, employers that do business in Ohio are responsible for withholding Ohio individual income tax from their employees’ pay. Ohio employers also have the responsibility to withhold school district income tax from the pay of employees who reside in a school district that has enacted such a tax.

  1. Ohio Employer Withholding Tax General Guidelines
  2. Ohio Employer Registration
  3. 2017 Withholding resources:

Income tax withholding instructions (2017)
School district tax rates (2017)
School district income tax withholding instructions (2017)
Due dates & payment schedule (2017)

Filing And Payment Requirements

Refer to http://www.tax.ohio.gov/employer_withholding.aspx for more details available on employer withholding requirements.

Local Taxes

Employer is required to withhold local income tax from employee wages as part of tax withholding obligations. While most states impose a local income tax as a tax on wages, some levy it as a percentage of the state income tax.

Don’t Forget Other Employers’ Legal Obligations (Ohio)

  1. Training Employees

Safety training | Safety publications
Local training offices (OhioMeansJobs Centers)
Ohio Incumbent Workforce Training Voucher Program
State “On-the-Job” training programs

    2. Laws

Civil rights/labor law/smoking ban/unemployment posters
Minimum wage laws
Minimum wage poster for 2017
Handicapped minimum wage law
Minor labor law poster
Prevailing wage law – file a complaint

Employer Resources
Job & Family Services Office of Workforce Development
Senior Community Service Employment Program

Also, employer should have an employee handbook or policies and procedures manual. All new employees must receive a copy of this handbook and must sign that they have read and understand it. Such procedure can help prevent employees’ possible lawsuits.


 

References:

 

https://clients.ohiosbdc.ohio.gov/DocumentMaster.aspx?doc=2630

http://www.ey.com/Publication/vwLUAssets/ey-payroll-year-end-checklist-2016/$FILE/ey-payroll-year-end-checklist-2016.pdf

http://www.co.wood.oh.us/employee/forms/Employee%20Selection/NewHirePacket.pdf

https://www.thebalance.com/forms-you-must-have-new-employees-complete-at-hire-398826

https://www.irs.gov/uac/about-form-w4

https://www.uscis.gov/i-9

https://www.irs.gov/businesses/small-businesses-self-employed/hiring-employees

https://www.thebalance.com/job-application-1918163

http://business.ohio.gov/hiring/

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Virtial Office For Rent And For Business

By Proceeding You Agree Tounnamed Terms and Conditions & How to Use This Site 

This Article Is Intellectual Property Of “Get Startups, LLC”. Please, Do Not Copy It.


Let’s talk business venue topic.

Unless, you are a retailer, this article might open new doors to minimize your expenses and possible liabilities and maximize your profits, due to reputation and clientele growth.

I have been wanting my own office space for years! Do I have an extra $1,000 to $2,000/month to spend on such business expense? Maybe. Can I purchase an office space and use it for my business? Well, maybe. I would need to come up with hundreds of thousands for such an investment. Will I be responsible for maintaining it up to OSHA standards? Yes. Will I be responsible for any slip-and-fall accidents? Mmmm, yes. Do I want a headache like that? Not really. Will I need to have an insurance to insure my business from clients’ accidents while at my business venue. Sure.

What if there was an opportunity to spend a fraction of that amount on a great location and limit headache for possible liabilities?

Someone smart came up with such opportunity!

  • You can work from home (save money and time on commute),
  • You can have a downtown skyscraper business address,
  • You can have a receptionist answering your calls,
  • You can have your mail forwarded to wherever you are (or pick it up),
  • You can have meetings with your clients at the downtown skyscraper office,
  • You won’t have to pay thousands of your hard-earned money for it!

For example, https://www.davincivirtual.com/loc/, http://www.qwirkcolumbus.com/pricing/virtual-office/  offer virtual officer. Note, “Get Startups, LLC” does not have any stake in advertising the above businesses. They are simply here as an example. The businesses above charge from $35/month to maybe $250 (approximately), depending on what you would like included in your virtual office membership.

Let’s look at the leasor side of a virtual office. If you already have a business property, think about signing businesses up for virtual office spaces. If you have several businesses subscribed to pay certain fees for have the listed items above, that might be able to cover your compliance or mortgage expenses.


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How Much Is Your Dignity Worth?

By Tatiana A. Loughman. 8/6/2017

By Proceeding You Agree Tounnamed Terms and Conditions & How to Use This Site 

This Article Is Intellectual Property Of “Get Startups, LLC”. Please, Do Not Copy It.

 

journalist and interviewed

Journalist And Interviewed

           Many people sell their dignity every day. We don’t even think about it anymore. It became a plain transaction: woke up – sold some of your dignity to your family, walked out the door – sold some of your dignity at your job, went shopping – sold some of your dignity at a store, went to sleep- maybe locked your dignity in a safe, until morning.

United States of America is a number One country. We earned our First Place fair and squire. US Number One! We do what we want, say what we want, act and live the way we want. These are our rights! What does that mean? We simply buy dignity abroad (because it is cheap to buy it abroad) and resell it in the US for a big profit and limited work, to be able to utilize those rights and be big and powerful, with lots of dignity in our “US Dignity Treasury Stocks”.

Let’s start with me, as an example. I wake up in a morning and swiped my “dignity card” to stay at home and take care of the house, kitchen, bathrooms, dog bathroom needs, coupons, food etc. Why? Because my dignity is worth less than paying a babysitter, paying someone else to clean my home and less than having someone else to take care of my dog. So, dignity-wise I am in a profit.

I turn the news on and send a bill to receive a direct deposit of dignity into my “dignity card” when I see how others sell their dignity by letting US journalists filming them in their worst times: poor, sick, unhappy, being sued, dirty, crying, you name It! There are plenty of ways to sell your dignity to the US dignity buyers. This is the only time of the day I actually receive dignity as a direct deposit into my “dignity card”.

Then, I go on the spend it. As an immigrant, it costs me a lot of “dignity-dollars” to just get through the day. Everywhere I go, I swipe my dignity card by showing my immigrant face, using my immigrant accent, asking for deals, coupons, jobs, assistance and confirming that yes, it is pretty bad abroad, that’s why I’m here, in the US, the Number One Big And Powerful Country.

By the end of my day, I’m typically broke on my dignity account. Sometimes, I even have to borrow some “dignity money” from others, like other immigrants or others, who have it worse than me! Will I be able to pay them back? They might never see their “dignity dollars” back, because I might just file for bankruptcy. They don’t know that.

Then I stop to think for a minute.  Maybe the US is the one, who is actually in bankruptcy  or big debt of dignity so it so desperately buys it cheap from others? Maybe the US is always in search for ways to get it somewhere abroad at the least expensive price? And that is why everywhere you look, there are signs: “will buy any dignity for dignity-cash fast” in a form of going abroad to show dirty poor angry slutty dignity sellers, in a form of a quick public endorsement as a best dignity bank, or as a novice trying to snatch any quick photo of a “child-dignity-seller” for a quick tiny dignity payment. Also, dignity fraud is not a thing, so the dignity buyers might just counterfeit little bit of dignity, if they are actually short on it.

Should we, immigrants, women, children, darker people, etc… raise the price of the dignity that we sell? Should we start thinking of putting it into a high interest dignity mutual fund account to increase its value? Should we invest it into a new dignity-line and make it a luxury item? I think that way, if someone buys it, they may start cherishing and taking a good care of it. Maybe that way “dignity-pennies” will not be grabbed by the US Number One big Wall-street Dignity Bank to grow it into billions worth of Dignity Dollars that now have a USA label on them.

Inside A Trader’s Head. 

By Tatiana Ana Loughman 6/20/2017

By Proceeding You Agree Tounnamed Terms and Conditions & How to Use This Site 

This Article Is Intellectual Property Of “Get Startups, LLC”. Please, Do Not Copy It.

“Get Startups, LLC” doesn’t give any investment, financial or legal advice.


Let me share what I think about when I trade. As you know (or don’t know yet), trading is not just buying a promising stock and wishing-hoping-praying for it to go up. Trading can be selling stocks as a start (sell-to-open), buying options, or executing complicated maneuvers through an automated trading software.

My favorite strategy (and I simply say favorite because there are really lots of them) is to find an actively pumped stock, where the company is not having much luck usually overall. Pumped,  I mean, the stock is up TODAY for any reason: news, earnings, market news, anything! I am very flexible with the reasons of why a stock can be pumped because I believe that the market doesn’t really need a reason to go up or to go down- to me, it is all one big gambling game.

Then, after I find the stock (I will show detailed steps of it bellow), I simply bet on it to go down, and also buy sort of “insurance”, in case it doesn’t.

Step 1. I go http://www.yahoo.com -> Finance -> Gainers. 

I select actively pumped stocks that have a market cap of a billion and volume of a million at least.

Step 2. I research that stock.

I make sure that the stock is up today, but is usually going down.

Step 3. I sell their shares. Also, knows as “shorting”. Also, I buy call options (2-3 months expiration would give me relatively high risk, but I will take it) as “insurance” just in case my prediction was wrong. If you are not comfortable with high risk for your “insurance” options, then go with the low risk and buy calls with an expiration farther away. How much to short the stock and how much to buy options? See how much max (approximately) you may lose if your shares will start going up and take that loss into account while buying calls options.

Step 4. I check within 2-3 days if the stock keeps going up. If so, I may sell my options in a week-two (not later, because then the options value will be dropping due to time expiration) and so that way I take my profit.

Step 5. I wait for a while (usually at least a month and max several months) for the stock to start dropping, then take my profits from the “shorting”. If you went with the low-risk options strategy,  you may be comfortable waiting longer. Just remember that options will start losing their value due to time after holding them for over approximately 25% of their total time. Also, it is critical that you understand that holding your “shorted” shares gives you unlimited risk. “Insurance” or the options that we bought counterbalances the risk.

Bellow is the comparison of what happened with my call options within a week:

They went up 15- 25%.

Exit entries are the most challenging ones. You want to maximize your profits, but you don’t want to wait too long and so it will simply become too late to make any profit. What I like to do is to “lock” my profits. In the beginning,  I try to calculate the best exit for both entries,  relying on graphs and minimum realistic possibilities. Then, if my entries (each at the time) hit the targets (the ones that I set IN THE BEGINNING), I simply set a stop loss order, which executes a trade in case the stock or the option start moving in the opposite direction. Having tight or loose stop loss orders are your personal choice. I like to move them up if my options move up or move them down if my stock moves down, to tighten them up. You can also set orders for this specific action.

Some traders prefer to limit their risks and not to anticipate a decision of where to see their options and stocks (basically making a decision that the exit is the highest/lowest point). They exit the two directions (the stocks and the options) when the trade of the combination becomes profitable. In other words, the options gain exceeds stocks loss or stock gain exceeds options loss.

Step 6. It took a little over a month for the stock to start dropping. I bet lots of bullish investors are having a panic attack today, but not you, who took this trade in a completely different strategical direction.

Stock Market Chart

This is where you are about at a break-even point. It really depends on what your risk tolerance is. You may (1) start setting stop losses, (2) wait until it goes lower, (3) buy to cover as soon as you make even a small profit, (4) or get emotional and buy to cover at a loss (break-even overall), (5) buy-to-cover a portion of the stock (break-even point) and wait for the other half to keep going down to take the pressure off.

And we are continuing to go down as traders’ fear goes up.

Stock Market Chart

So, what did happen on May 11th, 2017 for the stock to drop that much? Overall negative economic sentiment and/or Maybe (!) the fact that the Ex-Dividend Date is on May 11th, 2017. Traders prefer to short (sell-to-open) stocks after the Ex-Dividend Date, so they don’t have to pay dividends. Could that be that the stock was heavily shorted after the Ex-Dividend Date and prior to the Earnings at the end of May 2017?

 

Capture3

Stock Trading Info

May 31st through June 5th earning didn’t happen and I was actually in a big loss. The stock was going up steadily due to overall economy being optimistic.

Earnings announcement occurred on June 20th, and as I thought, the company had a loss in earnings. As bad as it sounds for Bulls, I was finally happy. And, remember, you can not predict future! This is exactly what I’m saying, you are actually hoping for your estimates to be true. So, we are where we were in mid May again, but this time, I have stronger estimates that the stock might be going down.

Stock Market Chart

And there it is. Finally, I’m in a profit from both: the call options and shorting the stock. My next step, step 7is to start buying to cover in portions: 20% – 40% of total shares each time. My strategy is not to commit to a decision 100%, but instead diversify. In this example, that would be buying to cover in portions.

On the next chart you see that SFUN is now priced at $3.19, which is lower than what we sold it for.

Stock Market Chart

I prefer to invest approximately 10-15% in one position. I also like to practice in http://www.thinkorswim.com (simulated trading) trading platform, where I can simply learn and experiment without the risk of losing everything. Also, check out http://www.tradestation.com if you would like. You can paper trade with them as well as try and purchase sophisticated auto trading platforms.

Please, remember that stock market is a game and, after all, businesses don’t want to buy back their shares at prices higher than what they sold them at. 

“Get Startups, LLC” doesn’t give any investment, financial or legal advice.


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How To Save Over $9,000/Year, If You Spend $2,000/Month

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Is it really too cheap to be too cheap? Are you afraid to be judged by the society if you don’t have enough high quality items? Do you think the society cares about how much you paid for stuff or how much debt you have? Will the society help you get out of your debt if you show them your credits cards bill? Does the society know your name to remember who paid more or less and on what? Will the society still judge you no matter how much you own?  I would say, “No, no, no, no, no and yes”.

If the stated above doesn’t apply to you and you don’t care about what society thinks, answer this: ” Have you ever been stolen from? Loss from Stock Market? Loss due to any other unfortunate event? Do you want to get back on your feet?”

If you answered, “Yes” to any of these questions, proceed further.

I’ll write a few paragraphs about my saving techniques and You decide to follow my style or not. I use Mint app to track my credit card purchases, refunds, incomes, statistics, saving promotions etc. Many people say, they don’t like to use credit cards because it gets them in trouble. Agree. As for me, it only lasted for so long for me to realize that I only need to charge my card if the item is on my shopping list or if I absolutely have to pay for something (like bills, for example. Yes, I automate my bills to be paid with a credit card). Before I open a credit card account (or a checking account) I always check introductory cash bonus, cash back, low interest, no interest, etc. By the way, this is my approach to everything- before I buy, sign-up, commit or pay money I ALWAYS check for deals or how to get the most benefits out of it. (Read more on making hundreds by opening a checking/credit account.)


  • STEP 1. STOP  BUYING   STUFF  IF   YOU  CAN  GET   IT   FOR   FREE! How I buy furniture to my apartment or house: I go to rich, classy neighborhoods, the ones you see when you drive to your work and think, ” What job does one need to have to be able to afford such house?” I go there right before trash trucks pick up their trash. Not every time, but very often they throw away perfectly new furniture. If I find something I like, I arrange a truck and bring that piece home! Sure, I wash it, disinfect it, etc… I hate germs. I also check Craigslist sometimes to see who throws away furniture  (sometimes people move and can’t afford moving expenses, so they are happy somebody just picks things up!) If you get furniture and all of them mismatch, get a high quality furniture paint, stack the furniture the way you see it fits best, repaint it all in one perfect color that matches the rest of your house and “Ta-da!” I have been using this approach for years now and my house is way more stylish and classy than the houses you see on TV. I like antique, wood and leather furniture.  How much you are saving by doing this? Thousands?

  • STEP 2. USE  CASH  BACK  SUBSCRIPTIONS  ON  ITEMS  FROM  YOUR  LIST. How I buy food and house essentials:  I go to IBotta (Click on it & get FREE $10 For My Referral If YOU Sign Up) , then go to Amazon or Jets. To me, they have the least expensive prices, deals and variety of options. I must add that I have a prime membership at Amazon, so I have free delivery and discounts due to the membership. I use Subscriptions there, which helps me save additional 15%. To summarize, if you login to IBotta,  then go to, for example Amazon, you save not just by using  the Amazon Prime discounts, but also additional 3-5% for using IBotta. Same is true for Jet.com. They have promotions for first time buyers, free shipping as well as low prices on certain items. Also, of course, this is where my credit card paragraph above comes into play. I save additional 5% by using Amazon credit card. To summarize how much you same by doing this:
    • lower prices than at other stores, not spending time and gas,
    • PLUS 3% to 25% savings for using the steps in this paragraph.
    • Money-wise, it is not only keeping off impulse purchases, but also, if your monthly food and household items are around $2,000, you save from $60 to $500 a month.

  •  STEP 3.  ADDITIONAL  SAVINGS  BY  RETURNING  IMPULSE  PURCHASE  ITEMS. How I shop overall: No matter how you shop (online or physical), keep your receipts and check return dates. I will add the receipts trick in a next paragraph, but as for the returns, here is what I do. I purchase what I absolutely need (thing from my list, not an impulse purchase, Oh, Gosh, I don’t remember the last time I had an impulse purchase), receive the item or bring it home, start using it (keeping the box). Then a week or so after the use, I simply give it another look:
    • Do I really need it?
    • Does it solve the problem I had?
    • Does the item do what it says it does?
    • Does the description match the item 100%?

If I answered “No” to at least 1 of these questions, I return the item for a refund. This technique simply double checks that your purchase was not an impulse purchase and also that you didn’t waste your money. Money-wise, how much do you save doing it? If you spend $2,000 a month on shopping and return 1 out of 10 items (assuming equal price of the items), then on average 10%? That is $200 a month


  • STEP 4. SCAN  YOUR  RECEIPTS  AND  GET  MORE  MONEY  SAVED  UP. How I save money on receipts: Sometimes you absolutely have to go to Walmart, because they have what online doesn’t have (by the way, out of physical stores I like Aldi the most).  I shop for things from my list, pay for them of course, then enter the receipt into Walmart Savings Catcher app. What it does is, it compares prices from Walmart to stores nearby and credits the difference to your account towards your next shopping trip at Walmart. On average, when I spend $100 at Walmart I receive about $2- $5 dollars back. I was saving all the rewards for a year and ended up with about $160 saved up during a year. My husband and I used that money during Christmas shopping, which was very helpful.  Bellow are additional apps to scan your receipts. Very easy!  I prefer “IBotta” the most, it scans your receipt from any store, in addition to Walmart receipts, by the way, also from gas stations, restaurants, online shopping etc, and it gives you additional bonuses for simply sticking with the app. I scan my receipt in all three apps, because I simply don’t have the time for the cut-out coupons 🙂
  1. Checkout 21
  2. Ebates (referral link)
  3. Walmart Savings Catcher
  4. IBotta (Click on it & Get FREE $10 For My Referral If You Try It!
    Ibotta FREE Coupons $10 Bonus

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    It is not necessary to mention that buying new cars, buying dresses you don’t need or anything else the like, will simply cancel out all of your savings techniques, so I won’t be writing a paragraph about that.


Of course, working people don’t have the time for all these tricks, but if you are one of those savings-addicts, you may end up with a fortune on your savings account after about a year of following the listed above steps. Let’s just add all the saved-up money together now (based on $2,000/ month spending) (Not having to pay for furniture is an amount that you just have to decide for yourself how much you saved.)

  1. * Opening a checking or credit card account promotion: minimum of $200 ( if only 1 account) per year.
  2. * Online shopping trick gives us: $60- $460/ month multiply for 12 months= $720- $6,000/year. 
  3. * Returning 1 out of 10 items: on average is $200/month = $2,400 per year.
  4. * Walmart Savings Catcher will give you on average  $100- $200 per year.
  5. * IBotta will give you on average  $100- $600 per year (based on your sticking with it).

Total per year= from $3,520 to $9,400. Not bad, right?


I know that sometimes we all want to simply have fun and make ourselves feel better. For some people it means, going shopping and not thinking about prices, needs, etc. For others it means fancy vacations or even something small as a fancy haircut at a salon. For me personally,  it means seeing my savings account grow and knowing that someday, when I’m ready, I’ll reinvest it all into my freedom of renting commercial space out or in any other business that I feel will give me a good monthly income.

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