mardi 2 août 2011

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How to Rename Links in MSN


Windows Live Messenger, formerly called MSN Messenger, allows you to
share links with your friends. By using the "Message Box," located at the
top of the Live Messenger window, you can broadcast a link for all of
your contacts to view. When you first enter a link to share, the name of
the homepage will be automatically generated. For example, the Xbox 360
home page will say "Xbox 360 - Home." It is possible to rename the link
that is shared by using the "Message Box" to change it to whatever name
you wish.


Difficulty:
Easy

Instructions


1.
* 1


Click the "Message Box" located at the top of the Live Messenger
window. Click "Link." Click "Type Your Own Link" from the drop-down
menu.



* 2


Type in the name of the link you wish to share.



* 3


Click "Preview." A preview of the link is shown, including the name
and a short description.



* 4


Highlight the blue text above the description, and press "Delete" or
"Backspace" on your keyboard.



* 5


Type in the text you wish to rename the link to. For example, you
may wish to rename "Xbox 360 - Home" to "Xbox 360 Homepage." You can
rename the link to anything you wish.



* 6


Click "Share" to broadcast the link, with your custom name, to all
of your contacts.






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Can I Claim My 11-Month-Old Niece on Income Taxes?

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Can I Claim My 11-Month-Old Niece on Income Taxes?


There are a number of benefits to being able to use a child as a
qualifying child for tax purposes. A qualifying child may entitle the
taxpayer to an additional exemption for a dependent, permit her to file
as head of household and allow her to claim a variety of credits. Listing
a child as a qualifying child requires a number of conditions to be met
first, however, before the taxpayer may receive the benefits.


1.

Dependent


* To register a child as a qualifying child, you must first meet
certain conditions to determine dependency. One of the conditions
for claiming a child as a dependent is the relationship test. Under
the relationship condition, a child may be your child or stepchild,
foster child, a sibling or stepsibling, or the descendant of a
sibling or stepsibling. In addition, she must be under the age of 19
and have lived with the taxpayer for more than half the year. The
child must also be a United States citizen or national, or a citizen
of Canada or Mexico. The child must not have paid more than half her
support herself for the year and, if married, cannot be filing a
joint return.





Filing Status


* A taxpayer's filing status can significantly affect the amount
of tax liability he has at the end of the year. If a taxpayer files
as the head of a household, he will generally gain an advantage with
regard to his tax liability. A taxpayer must have a qualifying child
in order to file as head of household. In order to use your
11-month-old niece as a qualifying child, she would need to meet all
of the same conditions as a dependent.





Child and Dependent Care Credit


* The child and dependent care credit allows taxpayers to claim a
credit for expenses incurred during the year to care for a child
while the taxpayer was working or looking for work. In addition to
the requirements for a dependent, a qualifying child for purposes of
the child and dependent care credit must also be under the age of 13
or permanently and totally disabled.





Child Tax Credit and Earned Income Credit


* Both the child tax credit and the earned income credit are
credits that a taxpayer may qualify for if she claims a qualifying
child. The child tax credit does not begin to phase out until a
single taxpayer's income reaches $75,000 (as of 2011) while the
earned income credit income limit for an individual taxpayer in 2011
was $35,535. In order to use your 11-month-old niece for either
credit, she must meet the dependent conditions. For the child tax
credit, she must also be a United States citizen, national or
resident and under the age of 17. For the earned income credit, she
must meet the dependency conditions with the exception of the
support condition.






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Can I Deduct a HUD-1 Settlement? eHow.com Purifyr:

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Can I Deduct a HUD-1 Settlement?

Can I Deduct a HUD-1 Settlement?

Buying a house can be expensive. Besides the down payment, your closing
costs may be steep. Once you factor in charges for the loan, title and
prepaid items, such as mortgage interest, property taxes and hazard
insurance, it can add to more than you bargained for. However, some of
the costs listed on your settlement statement, or HUD-1, are
tax-deductible, so it's in your best interest to understand what you can
include on your income tax forms.


1.

Loan Points and Fees


* Loan discount points generally are tax-deductible for the year
that you purchase your home. Each point is 1 percent of the loan and
is used to reduce your interest rate on the principal balance. Rules
apply, such as the requirement that other charges cannot be wrapped
into the points by the lender. The mortgage must be for the purchase
of your primary residence, and you must pay more at the close in
cash than in points. If you have negotiated for the seller to pay
some or all of your discount points, you still may take the
deduction on your 1040 Schedule A, but both you and the seller may
not claim them. Origination fees also are charged as points and are
used to pay the lender. As long as they are not used to cover other
closing costs, they are tax-deductible, too.





Interest and Taxes


* Part of your closing costs include prepaid items, such as
interest on the loan and property taxes. If your mortgage payments
are due on the first of the month, and you close on any day before
that, you pre-pay the interest to the bank for the number of days
until the first of the next month. Since interest is charged in
arrears, which means that you pay for it after you incur it and not
in advance, you won't pay on the first of the next month after the
loan closes. Instead, you will pay your first full mortgage payment
on the month after that. Since most mortgage interest is
tax-deductible, you should be able to claim it on your return.

Property taxes are prorated by the number of days that the seller
has owned the house. However, those taxes may have been prepaid by
the seller for an amount of time after you take ownership.
Therefore, you will repay a certain amount to the seller. Since
property taxes are deductible, you may be able to claim the amount
listed on your HUD-1.





Capitalized Costs


* Capitalized costs on your HUD-1 are those that can be deducted
on your tax return, but not all at once. You will have to divide the
amount into the useful life of your property as designated by the
Internal Revenue Service, with the remainder, if any, deducted at
the time that you sell it. A common capitalized cost is depreciation
of improvements to the property, such as your house structure.
Others on the HUD-1 include settlement fees, title insurance,
recording fees and real estate agent commissions.





Nondeductibles


* There are expenses on your HUD-1 that are not deductible. You
may not claim them on your 1040 Schedule A for the year that they
were incurred, nor may you capitalize them over the useful life.
Therefore, these out-of-pocket costs will not benefit you except to
serve to close the sale. Charges on your HUD-1 for items such as
your credit report, mortgage insurance and hazard insurance cannot
be taken off on your income taxes.






References



Resources


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Workman's Compensation Rules in Kentucky

Kentucky worker's compensation claims are overseen by the Labor Cabinet.

According to Chapter 342 of the Kentucky Revised Statutes, when a worker
in Kentucky is injured while on the job, the state's worker's
compensation program is responsible for ensuring the worker receive just
compensation. The program, administered by the Department of Workers'
Claims, is responsible for receiving compensation claims and administer
the compensation program. Workers in the state must file a claim with the
Department of Workers' Claims in order to receive payment for an
on-the-job injury.


1.

Insurance Notice


* The state of Kentucky requires that employers carry worker's
compensation insurance for all employees or be self-ensured,
according to the Kentucky Labor Cabinet Workers' Compensation Board.
All employers must post a worker's compensation notice so that it is
conspicuously viewable by all employees. The notice must state the
insurance carrier's name and policy number, as well as provide
information about what steps an employee should take if she gets
injured.





Coverage


* Nearly anyone who works in Kentucky is covered by the state's
worker's compensation protections, including part-time employees or
workers who engage in seasonal employment. However, there are some
exceptions to the coverage rules. Farm workers, domestic household
servants in houses with fewer than two full-time employees and
people who are hired to perform residential maintenance or repairs
for 20 or fewer consecutive workdays are not covered under the
workman's compensation requirements.





Limitations


* Kentucky's worker's compensation law is an "exclusive remedy."
This means that anyone injured while on the job can only be
compensated through worker's compensation coverage. Workers
effectively give up their right to sue the employer for civil
damages under the compensation program. The program allows workers
and employers to negotiate settlement terms, as well as provides an
avenue where parties who are unable to settle a claim can litigate
the issue before a judge, as well as appeal court decisions to a
review board.





Benefits


* Kentucky worker's compensation can take many forms. In addition
to providing injured workers with wage replacement payments, a
worker can also receive medical coverage as well as assistance with
finding new employment if the injury leaves the worker unable to
perform prior duties. If medical treatment is required, the injured
worker can receive temporary income during recuperation and receive
all medical treatment without making a co-payment.






References


* Photo Credit Kentucky state contour against blurred USA flag image by
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lundi 1 août 2011

Sleeping With a Spouse Who Uses a CPAP Machine

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* Health Topics A-Z
* Healthy Living
* Fitness and Nutrition





Sleeping With a Spouse Who Uses a CPAP Machine


Sleeping with someone who needs a Continuous Positive Airway Pressure
therapy machine may be difficult, but it is not impossible. The CPAP
helps a person with sleep apnea breathe easier when sleeping. The machine
forces air pressure into the throat to prevent the airway from
collapsing. Spouses who share the bed may find the CPAP too noisy to
sleep with, and thus suffer from lack of sleep themselves.


1.

Set a Bed Time


* Set an earlier bed time for the spouse who does not require the
CPAP than the spouse who uses the machine. Allowing 30 to 45 minutes
for her to fall asleep will help her to stay asleep and not focus on
the machine's sound. When starting the machine, be as quiet as
possible and try to avoid turning on overhead lights.





Sound Machine


* Purchase a sound machine that plays relaxing music or soothing
sounds. Incorporating a sound machine into your sleep habits will
help your mind get accustom to sounds at night. Start the sound
machine before going to bed and put it on your side of the bed.
Eventually, the only thing you hear will be the sounds of the sound
machine and not the CPAP.





Change Machines


* There are several different types of CPAP machines available,
and some may be quieter than the one currently in use. Talk to the
doctor to find out if a different, quieter machine is available.
Different machines are for different levels of sleep apnea and may
not be available for the level you need.





Change Rooms


* Everyone needs to sleep, and if the machine is keeping one
spouse awake at night it may be time to sleep in separate rooms.
Spouses need to be refreshed and alert during the day which means
getting enough sleep at night.






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Uses for Private Investigator Surveillance Equipment

High-powered zoom lenses help PIs photographs subjects from afar.

People pay private investigators (PIs) to track other people. PIs are
licensed professionals who help their clients learn a target's
whereabouts and information about his activities, transactions,
conversations and documents. Spying and surveillance of this kind can be
occasioned by divorces, business problems, lawsuits and deadbeat parents.
Often people use PIs to find out whether their significant other is
cheating. To track their targets, gather information and document events,
PIs use a number of surveillance tools -- some high-tech.


1.

Global Positioning Systems


* Part of surveillance is keeping track of the target. PIs use
global positioning system devices to keep tabs on where their
targets go. Many devices are made to stick discreetly under cars,
and some are small enough to slip into a purse, briefcase or
computer bag. Investigators can then monitor the subject's movements
from a digital screen in their office or car.





Camera Lenses


* High-powered zoom and telephoto lenses help investigators watch
events from a distance. They have the double advantage of being able
to capture images the clients may want. Powerful lenses can be very
large and noticeable, requiring PIs to be careful about where they
position themselves to avoid drawing the attention of their subjects.





Micro Cameras


* Advances in technology have led to very tiny cameras, sometimes
as small as a pinhole. PIs can place these strategically in people's
clothing, particularly hats and coats where they are less likely to
attract attention. In some cases, the investigator may wire himself
with cameras; in other cases it may be a client. Occasionally PIs
covertly attach cameras to their subjects' belongings, desk or --
when possible -- articles of clothing.





Listening Devices


* Investigators have access to numerous types of small but
powerful listening devices. Some are designed for PIs to listen
through doors and walls. Others -- commonly known as bugs -- are
very tiny microphones, both wired and wireless, that can be placed
in rooms, in belongings and on people. These transmit signals to
digital recording devices. Simpler systems require recording devices
to be within short range. More sophisticated technology allows for
long-range transmission to remote locations, which allows
investigators to be off-premises and completely out of sight.






References


* Photo Credit PhotoObjects.net/PhotoObjects.net/Getty Images;

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Games for Babies & Children

Put a smile on your baby's face with an inventive game.

Purposeful games for babies and children not only help them develop gross
and fine motor skills, they also help them learn to socialize and
interact with their playmates. There's no need to purchase expensive play
sets from a store or load the house with battery-operated blinking lights
and sounds, just use what you already have in an innovative, creative way.


1.

Tunnel Crawl


* Make a tunnel for children and babies to crawl through.
Jupiterimages/BananaStock/Getty Images

By creating a tunnel in your living room, not only can you stir your
children's imagination, you also create a game that will help
improve their gross motor skills. Babies and young children through
the age of 6 love crawling into tight space and hiding away in
secret spaces. Gather tall-backed dining room chairs, turn the couch
around and find any extra chairs you may have in the house. Line up
the chairs or couch back to back with about 2 feet of space between
them. Cover the space between the backs of the chairs with sheets
and clip the sheets in place with clothespins. Never stabilize a
sheet with a heavy or fragile item. Watch as your young children and
babies walk or crawl through the tunnel. Add challenge to the course
by placing pillows along the way.





Swinging Shoes


* Make a homemade pendulum in the backyard. Jupiterimages/Polka
Dot/Getty Images

Pendulums can be hypnotic to adults and children alike. Much can
also be learned from a free weight swinging back and forth. Tie one
end of a ball of craft yarn to the shoelaces of your child's tennis
shoe. Throw the shoe over a horizontal hanging branch in the yard
while holding the yarn ball. Catch the shoe, cut the yarn from the
ball, and tie the other end of the yarn to the shoe. Watch as your
curious toddler or early elementary-aged child begins exploring.
They will swing the shoes to create an obstacle course, put little
figurines inside and simulate going on a spaceship ride, or swing
the shoes in opposite directions and watch them smash into each
other. For babies, tie one stuffed animal with craft yarn, lay the
baby underneath, and gently sway the stuffed animal. Allow your baby
to reach for and bat at the toy.





Big Bubbles


* Bubbles are as fun to make as they are to watch. Seiya
Kawamoto/Lifesize/Getty Images

Exploring and playing with floating bubbles in enchanting to any
aged baby or child. Mix together 1 part Dawn Ultra or Joy Ultra, 15
parts distilled water, and 1/4 part glycerin or corn syrup. Gently
stir the ingredients. Your young children will enjoy experimenting
with bubbles sizes using a variety of kitchen utensils. Babies will
develop their hand-eye coordination by batting at bubbles you gently
blow in front of them. Always stay within arm's reach when young
children play with water. Any level of water poses a drowning risk.





Sticky Balloons


* Have a little fun with gravity, static electricity and some
balloons. Jupiterimages/Goodshoot/Getty Images

Playing with balloons can teach young children and babies the
beginnings of principles involving gravity, air pressure and static
electricity. Blow up several latex balloons. Rub them on your hair,
your child's hair, or a piece of wool. Carefully place the balloon
on a flat wall and watch it defy gravity. Static electricity will
cause the balloon to hold to the surface of the wall. Invite your
child to try to knock the balloon down from the wall. Set multiple
balloons on the wall. Encourage your baby to hold a large balloon
using two hands, or practice cross-hemispheric movements by helping
her pass a small balloon from one hand to the other. Always
supervise young children with balloons as they can pose a choking
hazard when popped.






References


* Photo Credit Jupiterimages/Goodshoot/Getty Images;
Jupiterimages/BananaStock/Getty Images; Jupiterimages/Polka Dot/Getty
Images; Seiya Kawamoto/Lifesize/Getty Images;

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