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In selling an investment like a bond, ETF, real estate, or stock, the net profit is usually taxed as a capital gain. Capital gain varies and comes in two types majorly. It could...
Posted by Valderas Financial Solutions LLC on 02/14/2020
There are tens of millions of small businesses scattered across the United States. Sole proprietorship or one-man business is even on the rise with the figure at 40.5 million, according...
Direct payment offers individual taxpayers an easy way to quickly pay the amount owed on the payment statement or bank bill, or make estimated quarterly payments without having to...
Posted by Valderas Financial Solutions LLC on 01/02/2020
A W-7 form is used to request an individual tax identification number or ITIN for non-citizens who are not eligible to receive a social security number, but who must file a federal...
The Earned Income Credit (EITC) is a federal tax refund for workers and families who meet specific eligibility requirements. Employers must provide EITC employees with information...
Posted by Valderas Financial Solutions LLC on 01/02/2020
You saw the store videos during Black Friday: a lot of people enter a store to carry everything they can. People go shopping all day to clear the vacation list. Now there is Cyber...
Posted by Valderas Financial Solutions LLC on 01/02/2020
The life of a retiree should only be canvas boats and golf trips on weekends. (This may be true if you've made a fortune in your career). For the rest of us: we will try to find...
Posted by Valderas Financial Solutions LLC on 11/12/2019
Lending money to a family member (or borrowing from a family member) may seem like a good idea: the borrower gets easy approval, and any interest paid is left to the family rather...
Posted by Valderas Financial Solutions LLC on 11/12/2019
Tax identity theft occurs in numerous ways. "Identity theft," as indicated by the IRS, usually involves someone stealing a specific Social Security number (or tax identification...
Posted by Valderas Financial Solutions LLC on 10/31/2019
The Internal Revenue Service came out with new procedures allowing expatriates who have renounced their US citizenship the opportunity to comply with their tax obligations and in turn,...
Posted by Valderas Financial Solutions LLC on 10/31/2019
If you fear a possible recession on the horizon, you can take some financial measures to protect yourself.A report made by the National Retail Federation revealed that the proposed...
Posted by Valderas Financial Solutions LLC on 10/29/2019
When starting a small business, the owner must begin to establish business credit separately from personal credit. Business credit is calculated independently of private credit and...
Posted by Valderas Financial Solutions LLC on 10/29/2019
Section 1031 of the IRS code slowly creeps into everyday conversation. The term refers to real estate agents, bond companies, investors and football mothers. Section 1031 of the...
Posted by Valderas Financial Solutions LLC on 09/26/2019
An independent contractor can also be called as self-employed or someone who is an independent business person. It’s really just getting paid for your work in a different manner....
If you have availed a home loan, you are entitled to claim an Income Tax deduction called a home mortgage point. The deduction will be the equivalent of one percent of the loan amount....
Posted by Valderas Financial Solutions LLC on 09/26/2019
American workers could enjoy a payroll tax cut, if the Trump administration goes ahead with its reported efforts that are ostensibly aimed at bolstering consumer spending and, in turn,...
Posted by Valderas Financial Solutions LLC on 09/26/2019
At the birth of the child, this child becomes dependent on his taxes. It does not matter if the child were born on January 1st or December 31st at 11:59 pm As long as your child came...
Posted by Valderas Financial Solutions LLC on 08/28/2019
The EITC (Earned Income Tax Credit) is a benefit available to low- and middle-income workers. The EITC reduces the amount of taxes due and may give rise to a refund. The earned income...
Posted by Valderas Financial Solutions LLC on 08/28/2019
I hope you will teach your children good manners, positive values and healthy eating. But do you teach them how to get financial security? Do you know what to say about money?While...
Usually, when you move to a new state, you become a resident of that state. Then you pay the taxes as residents of the new state.However, if you are the husband of a member of the...
Posted by Valderas Financial Solutions LLC on 08/28/2019
Peradventure you are indebted to the IRS and can't pay, you might be qualified to defer making payments on past-due personal income taxes. To meet all requirements for deferral,...
Posted by Valderas Financial Solutions LLC on 07/26/2019
What are the perfect states for a 529 education savings plan? What issues are there with these plans? These are charge advantaged programs, supported by states, that enable your speculations...
Posted by Valderas Financial Solutions LLC on 07/26/2019
Type II SOC commitment (for both SOC 1 audits and SOC 2 audits) require to follow up and testing of the controls established at the service institution to have the option to opine...
Posted by Valderas Financial Solutions LLC on 07/26/2019
Tax breaks for adoption incorporate both a qualified adoption cost and tax credit paid to adopt an eligible child and an exclusion from earnings for employer-enabled adoption aid....
Introducing an alternative source of energy in your home, for example, solar water heating and solar electric panels can qualify you for credit equivalent to 30% of your total expense....
Posted by Valderas Financial Solutions LLC on 06/19/2019
A day trader's work is extremely enormous, no doubt. These traders go into and leave various positions through the span of a spin day. Their trading is characterized by the way...
Posted by Valderas Financial Solutions LLC on 06/19/2019
The commitments you make to a flexible spending account (FSA) are not tax deductible because the accounts are supported through pay deferrals. Be that as it may, adding to an FSA reduces...
Posted by Valderas Financial Solutions LLC on 06/19/2019
Tax preparation is not the main tax-related issue with which seniors may require additional help. Sadly, a ton of phone, postal mail, and email scams target seniors explicitly. The...
Posted by Valderas Financial Solutions LLC on 06/19/2019
Your vehicle purchase must satisfy a number of criteria in order to qualify for the qualified plug-in electric drive motor vehicle tax credit. Only qualified vehicles are eligible...
Posted by Valderas Financial Solutions LLC on 05/20/2019
Your US passport can now be revoked or refused to be renewed by the IRS. There have been many speculations before that this will happen and it actually did. In the next few weeks,...
The average tax refunds continue to be lower compare to last year and the tax deadline is getting close. According to the IRS, $2,640 is the average tax refund for the week ending...
Posted by Valderas Financial Solutions LLC on 05/20/2019
The IRS recently issued a warning about a new trick on the usual impersonation phone scam. An independent organization within the IRS called Taxpayer Advocate Service is being impersonated...
Posted by Valderas Financial Solutions LLC on 05/20/2019
The tax reform bill implemented in December 2017 forbids deductions for hush cash settlements in sexual harassment cases. This is also called a Weinstein tax; it keeps people and organizations...
Planning your Finance is a continuous endeavor that looks at your objectives, circumstance, and funds to decide whether and how these objectives can be met. It is a product-oriented...
Posted by Valderas Financial Solutions LLC on 04/09/2019
Grey divorce is another statistic pattern, and it is somewhat worried that this pattern has quickened in the 21st century. During the 1990s, just 1 out of 10 individuals over age 50...
Posted by Valderas Financial Solutions LLC on 04/09/2019
For the individuals who long to file by April 17, the weight starts to fabricate. Before the troubled dash takes off vigorously in only a couple of brief weeks, you might need to review...
Posted by Valderas Financial Solutions LLC on 04/09/2019
IRS Account Review at a Glance:IRS account information is not available or readable.You can get the required information by requesting your IRS tax transcripts.Transcripts provide...
Posted by Valderas Financial Solutions LLC on 02/28/2019
Tax notifications have always caused panic among many clients. One thing to remember is that many of these ads are "automatically generated" and are not always up-to-date...
Posted by Valderas Financial Solutions LLC on 02/28/2019
It is no doubt the fact that a regular savings account is perfect for storing your short term savings, but if you want to save for retirement, an Individual Retirement Account (IRA).IRA...
Posted by Valderas Financial Solutions LLC on 02/19/2019
Some time ago, I helped a client create a debt repayment plan and found impressive debt reduction free tools that I would like to share with you today. If you have credit cards, student...
Posted by Valderas Financial Solutions LLC on 02/19/2019
Cryptocurrency hails from the creation of blockchain technology, one of the trending network technologies today. Collective verified lists of data or records are blocks stored by blockchain,...
The IRS announced on Friday (Notice 2019-2) that there will be a significant increase in 2019 for the optional standard mileage rates although it has already slightly increased last...
Posted by Valderas Financial Solutions LLC on 01/22/2019
It is usually a debate that how to offset capital gains. So first let us understand what capital gains tax is so that you can further know how to offset it as well. Other than the...
Posted by Valderas Financial Solutions LLC on 01/09/2019
Separation among couples is a very common thing specially in the western world where the women have equal In fact stronger rights as compared to the men. In countries where the law...
Posted by Valderas Financial Solutions LLC on 01/09/2019
All around the world, December is the month when everyone exchanges or gives gifts to others. Some employers also give end of year bonuses to their employees as a reward for their...
Posted by Valderas Financial Solutions LLC on 12/13/2018
Let’s make it clear as to who are self-employed individuals?In order to be categorized as self-employed individual and fall under the category of paying self-employment taxes...
Posted by Valderas Financial Solutions LLC on 12/13/2018
To opt for education from colleges and universities abroad is quite an exciting prospect, however on scholarships? Scholarships are a path towards education which wouldn’t be...
Posted by Valderas Financial Solutions LLC on 12/13/2018
There are several things to consider when it comes to either filing your taxes this year, planning for the future, or when contemplating the benefits of purchasing a house the following...
Posted by Valderas Financial Solutions LLC on 12/10/2018
A lot of times businesses are not able to pay the taxes on time. You do owe taxes to the government which is why they are due every year. After all the verifications, you get the amount...
Posted by Valderas Financial Solutions LLC on 11/30/2018
Tax Cuts and Jobs Act where a lot of people think that they can e-file easily. There are some changes under the e-file tax returns under TCJA which you have to follow. Every year there...
Posted by Valderas Financial Solutions LLC on 11/30/2018
Relationships do affect our lifestyle and the way we live our lives. You can claim as dependent on your taxes but before claiming, you need to figure out some important things so that...
Posted by Valderas Financial Solutions LLC on 11/30/2018
It’s definitely an exciting journey to go off to college to widen your horizons, learn new things, and meet new people. But what makes education even better is when you get to...
Posted by Valderas Financial Solutions LLC on 11/14/2018
When it is the time to file taxes, everyone gets panicked and tend to make mistakes at that time. It is the time when you need to be patient and act wise. Rather than opting out to...
Posted by Valderas Financial Solutions LLC on 11/06/2018
Investors that are nominated by the governors and approved by the Treasury department in the economically distraught communities can greatly benefit from the New “Opportunity...
Posted by Valderas Financial Solutions LLC on 10/26/2018
In order to reduce the capital gains from other sources, tax loss selling is a simple and straightforward tax strategy. Under this strategy, you tend to sell mutual funds, exchange-traded...
Posted by Valderas Financial Solutions LLC on 10/26/2018
Every person has to die one day and same is the case with the death of a spouse, it has to happen one day. No one plans or knows when the death will occur and when the time of death...
Posted by Valderas Financial Solutions LLC on 10/10/2018
As soon as you reach your “full” retirement age, probably when you’re around 66 or 67 years old, you can start collecting your full benefits. However, you also have...
Posted by Valderas Financial Solutions LLC on 10/03/2018
It is always best to start estate planning as early as possible. Although creating a will can be a stressful process, it’s still a necessary step in life that has to be done...
Posted by Valderas Financial Solutions LLC on 09/24/2018
As your tax preparer certainly knows, the average American pays around $10,489 annually on taxes (roughly, 14% of their household income). Why succumb to this alarming tax statistic,...
Posted by Valderas Financial Solutions LLC on 09/24/2018
Having your own business offers great advantages. If you’re looking into investing in a franchise, the first thing you need to do is find the best franchise opportunities there...
Posted by Valderas Financial Solutions LLC on 09/11/2018
According to the U.S Census Bureau annual survey, the national median household income increased to $55, 775 in 2015 base on a nationwide population survey. There were 39 states included...
Posted by Valderas Financial Solutions LLC on 08/30/2018
If you haven’t heard of the Registry-Completion Discounts before, then you’re in the right place because this article will break it down for you. It’s an amazing...
Posted by Valderas Financial Solutions LLC on 08/30/2018
What is the Social Security Tax?Social Security tax is usually collected in the form of payroll tax or self-employment tax. It is levied on both employers and employees to fund the...
Posted by Valderas Financial Solutions LLC on 08/01/2018
A leveraged debt is extended to individuals or companies that already have a substantial amount of debt. Moneylenders consider the leveraged loan market to carry higher hazard to default....
Posted by Valderas Financial Solutions LLC on 08/01/2018
There are some of the things which have changed in new 1040 form for 2019. As the year has passed and the taxes have been collected from the people who have filed on time, the changes...
Posted by Valderas Financial Solutions LLC on 07/23/2018
The requests for freedom of information act (FOIA) have been popular since a while. People want to know what it contains and how they can make a good use of it in their daily life....
Posted by Valderas Financial Solutions LLC on 07/23/2018
When you move abroad, there are a lot of things which need to be addressed. You might skip on the social security tax consequences of working abroad and may realize it later. Well,...
Posted by Valderas Financial Solutions LLC on 06/30/2018
Everyone can have a different situation when it is about a business loan. You may be wondering that what happens when you default on a business loan. There are different answers to...
Posted by Valderas Financial Solutions LLC on 06/30/2018
Per Diem rates are popular in the United States, but fewer people have been using it. It is the allowance which is received by the people on a daily basis with having the travel expenses...
Posted by Valderas Financial Solutions LLC on 06/18/2018
When people have the question that why we should have dividends. It is one of the most obvious question asked because there are a lot of benefits which are associated with dividends....
Posted by Valderas Financial Solutions LLC on 06/08/2018
When you are dealing with your own business then it is necessary for you to have a complete understanding income statements. It helps you in staying away from the financial debts and...
Posted by Valderas Financial Solutions LLC on 05/31/2018
It is not just about the children going back to school which you have to worry about. There are options for going back to school tax breaks for the adults. You are able to earn more...
Posted by Valderas Financial Solutions LLC on 05/22/2018
Starting a new business brings lots of excitements and expectations, but you can’t forget about expenditures and obligations. Initial years are crucial for every startup, and...
Posted by Valderas Financial Solutions LLC on 05/18/2018
Successful business requires proper expense planning to deal with all types of business expenses and to carry on operational activities effectively. While starting a new business,...
Posted by Valderas Financial Solutions LLC on 05/15/2018
Some people opt to lease the property instead of buying it because of insufficient resources. In most of the cases, it requires less cost and very few risks are linked to it; therefore,...
Posted by Valderas Financial Solutions LLC on 05/15/2018
Surely everybody can be in debt from smallest to largest and it is able to be difficult for the individual to control it. However for the long-term gain, you have the selection for...
Posted by Valderas Financial Solutions LLC on 04/27/2018
Each year to maintain on filing taxation without knowing a good deal about it just because you have to do it consistent with the legal guidelines of the country. It is far just a compulsory...
Posted by Valderas Financial Solutions LLC on 04/20/2018
If you are aiming to reach the pinnacle within the competitive marketplace, and you have initially mounted your enterprise, then you definitely want to understand the things to have...
Posted by Valderas Financial Solutions LLC on 04/20/2018
Taxes, taxes, and more taxes. While a tax preparer may have a good grasp on all of this, that’s not necessarily the case for the rest of us. We have federal tax, state...
Posted by Valderas Financial Solutions LLC on 03/14/2018
Every year you can be sure that tax season will come around, but smart tax planning will ease unnecessary anxieties. While many people dread tax preparation, there are ways to reduce...
Posted by Valderas Financial Solutions LLC on 01/30/2018
As they say, there are only two things certain in life, death and taxes. Unfortunately, the saying is true. Even if you have unfiled tax returns, the IRS is going to want their money...
Posted by Valderas Financial Solutions LLC on 01/24/2018
For most taxpayers, completing and filing an income tax return is relatively simple. However, there are some tax situations that affect a small number of taxpayers, and it is important...
Posted by Valderas Financial Solutions LLC on 01/17/2018
If you invest in properties, you probably need to pay substantial real estate taxes and numerous other expenses. Fortunately, a variety of federal tax deductions allow you to recover...
Posted by Valderas Financial Solutions LLC on 01/10/2018
If you own a vehicle for business use or even use your personal car for job tasks, you may be eligible for certain tax deductions. That part probably comes as no surprise, but it's...
Posted by Valderas Financial Solutions LLC on 01/03/2018
Caring for aging parents is not always an easy task. This is especially true when taking care of another person comes with financial responsibilities such as making sure their medical...
Posted by Valderas Financial Solutions LLC on 12/27/2017
In an 18th century letter, Benjamin Franklin is said to have written:...in the world nothing can be said to be certain, except death and taxes." It's been a while since Mr.Franklin...
Posted by Valderas Financial Solutions LLC on 12/20/2017
Ideally, you should file once and do that correctly. However, if you want to or have to make amendments, the following are some rules you should be aware of. Amended Returns Aren't...
Posted by Valderas Financial Solutions LLC on 12/13/2017
No one likes paying penalties. However, the IRS likes levying them to encourage tax compliance. Without there being penalties, many Americans could not even bother paying taxes. There...
Posted by Valderas Financial Solutions LLC on 12/06/2017
Many entrepreneurs spend a lot of time book in logging receipts and expenditures, computing accounts payable and receivable, tracking profits and losses, filing taxes, and so on. The...
Posted by Valderas Financial Solutions LLC on 11/29/2017
About 25 percent of U.S. families who care for their parents spend in excess of $10,000 each year doing so. Plus, 40 percent of all families who pay the way for their elderly parents...
Posted by Valderas Financial Solutions LLC on 11/22/2017
If you sell your primary residence two to five years after purchasing it, you would be eligible for home sale gain tax exemptions. However, you would have to fulfill a wide range...
Posted by Valderas Financial Solutions LLC on 11/15/2017
For any new retiree, the biggest challenge is the changeover from accumulating wealth through saving for retirement during your working days, to learning how to spend it in maintaining...
Posted by Valderas Financial Solutions LLC on 11/08/2017
Smart tax planning basically involves taking advantage of all the available taxation tools and knowledge when filing your individual or business tax return. This helps you to qualify...
Posted by Valderas Financial Solutions LLC on 11/01/2017
captial gains, inheritence Figuring out your tax basis when selling assets can be tricky because some transactions fall under guidelines defined under the IRS's Publication 551 while...
Posted by Valderas Financial Solutions LLC on 10/25/2017
Having children is expensive, but you may be able to reduce your tax bill and save hundreds, if not thousands of dollars, by getting back a portion of the money you spend on child...
Posted by Valderas Financial Solutions LLC on 10/18/2017
Many Americans feel cheated at tax time. The 2016 Pew Research Center poll revealed 61 percent saying that it troubled them a lot, that some affluent people don't pay "enough" federal...
Posted by Valderas Financial Solutions LLC on 10/11/2017
If you own a your own business, there are small business deductions that can save your company thousands of dollars. Many businesses miss out on tax saving deductions and credits...
Posted by Valderas Financial Solutions LLC on 10/04/2017
Starting a home business is one way to decrease your tax liability. Many taxpayers choose to do this but may not understand all the tax ramifications of decisions made during start-up...
Posted by Valderas Financial Solutions LLC on 09/27/2017
The Internal Revenue Service (IRS) expects all Americans to file their tax returns on time every year. Of course, the IRS also expects to provide accurate information on their tax...
Posted by Valderas Financial Solutions LLC on 09/20/2017
Tax planning involves taking advantage of any chance you get to estimate your income, be eligible for the right credits, shrink your expenses, and reduce your taxable income. Smart...
Posted by Valderas Financial Solutions LLC on 09/13/2017
Outsourcing is basically delegating specific business operations to a third party entity. There are different reasons why companies choose to outsource their operations, such as bookkeeping. In...
Posted by Valderas Financial Solutions LLC on 09/06/2017
As per federal law, employers must withhold a specific amount from their employee salaries and wages and remit them to the Internal Revenue Service (IRS) as income and payroll taxes. An...
Posted by Valderas Financial Solutions LLC on 08/30/2017
If you've been handing out dollars left and right to pay for school, you may have some benefit on your taxes this season. The IRS has a few education tax credits for parents or students...
Posted by Valderas Financial Solutions LLC on 08/23/2017
The home sale gain exclusion is one of the most beneficial tax breaks available to homeowners. Anytime you put your home on the market for sale; you could potentially benefit from...
Posted by Valderas Financial Solutions LLC on 08/15/2017
A recent report reveals that 40 percent or more of those providing care for family members spend a minimum of $5,000 annually and 25 percent spend above $10,000 a year. Although caring...
Posted by Valderas Financial Solutions LLC on 08/08/2017
Rental income seen as a great way to build a second income stream for a landlord attempting to save for retirement, become rich, or just get a little bit more financial security for...
Posted by Valderas Financial Solutions LLC on 08/01/2017
Experts lay a lot of stress on the order in which an individual approach retirement must liquidate his or her retirement accounts. The right order will boost returns, reduce your...
Posted by Valderas Financial Solutions LLC on 07/26/2017
Itemizing is to the IRS what the red smoke was to the people of Oz...a warning sign that something might be about to go pretty, darn wrong. Though an audit is much less final than...
Posted by Valderas Financial Solutions LLC on 07/19/2017
When the tax filing deadline is right around the corner, you suddenly realize you do not have much time to complete forms and file taxes. Fortunately, if you cannot file in by April,...
Posted by Valderas Financial Solutions LLC on 07/12/2017
One of the more generous business tax deductions allowed by the IRS focuses on being able to use the expenses of buying, using, or owning a business vehicle as a write off when you...
Posted by Valderas Financial Solutions LLC on 07/05/2017
Real estate is one of those industries that the government benefits from immensely. For every property purchased or sold, there's a tax cut that the government takes. It therefore...
Posted by Valderas Financial Solutions LLC on 06/24/2017
When you sell stocks, bonds, precious metals or other investments, it is crucial to know the tax basis of each asset. You will need this number to determine how much income or loss...
Posted by Valderas Financial Solutions LLC on 06/21/2017
Lions and tigers and tax preparation...>oh dear. Nothing can make you feel as though you are not in Kansas anymore quite like a giant heap of income tax return mess riding in on a...
Posted by Valderas Financial Solutions LLC on 06/16/2017
There is a connection between taxes and wealth accumulation; the Internal Revenue Service (IRS) rewards investors. In other words, the government wants its citizens to help build...
Posted by Valderas Financial Solutions LLC on 06/07/2017
No one really enjoys paying taxes. Regardless of the services we receive in return, the idea of parting with our hard-earned cash is sometimes difficult. Each year, some taxpayers...
Posted by Valderas Financial Solutions LLC on 05/17/2017
When you claim tax breaks to reduce your tax liability, you can accept the normal deduction or itemize them. Undoubtedly, it is simpler to take the normal deduction. However, if...
Posted by Valderas Financial Solutions LLC on 05/10/2017
The IRS will rarely audit your individual tax reports unless they notice discrepancies in the filed reports. As of 2016, only 0.70% of individual tax returns were audited by the IRS. Therefore,...
Posted by Valderas Financial Solutions LLC on 05/09/2017
There are countless articles out there about the many different types of deductions that both individuals and small businesses can take advantage of, but arguably none of them are...
Posted by Valderas Financial Solutions LLC on 04/26/2017
Filing for a tax extension is most likely the easiest part of doing your taxes. Having said that, what is a tax extension anyway? Why will you want one? And what are the benefits...
Posted by Valderas Financial Solutions LLC on 04/19/2017
It's not uncommon to see the Internal Revenue Service (IRS) keeping possession of funds that belong to taxpayers. In 2013, the government body had more than a billion in unclaimed...
Posted by Valderas Financial Solutions LLC on 04/11/2017
If you've been working hard to pay for your education, you'll be delighted to learn about getting some of your money back. A few tax credits have been around for a while to give college...
Posted by Valderas Financial Solutions LLC on 04/05/2017
According to the law, an employer must withhold payroll taxes and federal income from the wages paid to employees and pay that sum to the IRS. Such taxes that are withheld are known...
Posted by Valderas Financial Solutions LLC on 03/29/2017
If you've experienced an audit from the IRS, you know how frustrating it can be to come to a solution. If you choose to comply with the audit, you'll have to figure out a plan to...
Posted by Valderas Financial Solutions LLC on 03/22/2017
Getting the most out of tax season means taking advantage of the small business deductions made available in the tax code. While worrying about an IRS audit is a legitimate concern,...
Posted by Valderas Financial Solutions LLC on 03/15/2017
You know the old saying..."Nothing stays the same forever" - not even the IRS. In January, the Internal Revenue Service proved it when they announced a few changes to the starting...
Posted by Valderas Financial Solutions LLC on 03/08/2017
The guidelines laid by the Internal Revenue Service (IRS) is followed by the tax authorities of almost all states. A step-by-step approach is important when trying to settle tax debts. The...
Posted by Valderas Financial Solutions LLC on 02/15/2017
Tax accountants and tax preparers help you in income tax filing and preparing for the tax forms. The complications become more confusing for those taxpayers who rush to submit their...
Posted by Valderas Financial Solutions LLC on 08/03/2016