Kevin Hagen
Living in Miami, FL
Total page views: 819,626
Published Content: 481
Fans: 43
On AC since: 06.09.05
Bio:
Born in Minnesota, USA in 1955; studied Business Administration - Accounting, graduating in 1977 and obtaining CPA license. Worked in corporate accounting environments, eventually becoming a technical translator while living in Chile. Married, one son.
Born in Minnesota, USA in 1955; studied Business Administration - Accounting, graduating in 1977 and obtaining CPA license. Worked in corporate accounting environments, eventually becoming a technical translator while living in Chile. Married, one son.
Education/Experience:
B.A. Business Administration - Accounting
B.A. Business Administration - Accounting
Showing Results 1 - 200 of 481
The Solar Impulse project aims to fly a plane powered only by solar energy around the world in 2012. The plane's unique design features a 208-foot wingspan covered with solar panels that charge lithium batteries to be able to fly day and night.
By Kevin Hagen | Published 6/29/2009 | Read more »
Peru's Congress recently overturned two decrees that would open large areas of the Peruvian Amazon to logging, oil drilling and hydroelectric projects. These decrees where opposed by native groups seeking to protect their ancestral lands.
By Kevin Hagen | Published 6/26/2009 | Read more »
If you live in Wisconsin and want to improve the energy efficiency of your home there are rebates available to help offset part of the upfront cost.
By Kevin Hagen | Published 6/26/2009 | Read more »
Florida homeowners qualify for a $50,000 homestead exemption on their permanent residence. There is an additional exemption on city and county taxes for seniors.
By Kevin Hagen | Published 6/10/2009 | Read more »
A Carfax vehicle history report can provide you with valuable information about a used vehicle you are thinking about buying, such as whether it has a clear title or has been in an accident. You need the vehicle identification number to request a report.
By Kevin Hagen | Published 6/5/2009 | Read more »
Residents of Oregon can take advantage of incentives offered by various utility companies in the state for installing solar photovoltaic systems and solar water heaters.
By Kevin Hagen | Published 6/2/2009 | Read more »
Colorado homeowners age 65 or older can qualify for a homestead exemption of 50% of the first $200,000 of market value of their home.
By Kevin Hagen | Published 6/2/2009 | Read more »
The key factors are a clear offer and acceptance, and the exchange of things of value called the consideration.
By Kevin Hagen | Published 5/27/2009 | Read more »
Nevada is quickly becoming one of the most popular retirement destinations in the country. Housing prices have declined considerably and the portion of the cost of living corresponding to state and local taxes is ranked as 49th among the states.
By Kevin Hagen | Published 5/26/2009 | Read more »
When you buy equipment for your business one of the decisions you have to make is whether you want a service contract.
By Kevin Hagen | Published 5/21/2009 | Read more »
A partnership agreement allows you to set down in writing what you have agreed with your partners.
By Kevin Hagen | Published 5/6/2009 | Read more »
A sales contract should include all the conditions you agree on with the buyer in terms of the product, price, delivery and any warranty provided.
By Kevin Hagen | Published 5/6/2009 | Read more »
If you have more than just a few employees in your business, it may be a good idea to develop an employee handbook that spells out your policies and procedures.
By Kevin Hagen | Published 5/6/2009 | Read more »
There are advantages and disadvantages to using contracts. They can provide security, but are also binding.
By Kevin Hagen | Published 5/5/2009 | Read more »
Service contracts should be tailored to the specific situation and should clearly represent the agreement between the parties.
By Kevin Hagen | Published 5/5/2009 | Read more »
Electric and hybrid vehicles, plugged into the power grid, could be used to store electricity generated during peak production and supply the grid during peak demand. Vehicle owners could make money by sharing in the utility companies' savings.
By Kevin Hagen | Published 5/5/2009 | Read more »
The economic stimulus plan includes $58 billion for energy-related measures. 9% of that is for smart grid technology and 4% for advanced batteries. These incentives, along with the need to improve the grid, could stimulate the U.S. battery industry.
By Kevin Hagen | Published 5/5/2009 | Read more »
Chile has been hard hit by the drop in copper prices. Construction has slowed and mining companies are cutting back and putting investments on hold. But sound fiscal policy and the resilience of the Chilean people will overcome the downturn.
By Kevin Hagen | Published 4/29/2009 | Read more »
If you are a homeowner in Alabama you can qualify for a homestead exemption on your principal residence. All homeowners qualify for a $4,000 exemption and if you are over 65 or disabled, you qualify for higher exemptions, depending on your income.
By Kevin Hagen | Published 4/23/2009 | Read more »
Vestas, the world leader in wind energy production, sees two prerequisites for meeting renewable energy targets: Substantial amounts need to be invested in transmission grids, and politicians need to decide where to build wind power plants.
By Kevin Hagen | Published 4/23/2009 | Read more »
The cost of living in Virginia varies by location, but on average is close to the national median. The state and local tax burden ranks 18th among the states. Seniors may qualify for a significant income tax deduction, and a break on property taxes.
By Kevin Hagen | Published 4/21/2009 | Read more »
Due to the progressive nature of the U.S. federal income tax system, taxpayers with the highest income pay the most taxes, in terms of overall dollar amounts and the effective tax rate.
By Kevin Hagen | Published 4/21/2009 | Read more »
The Obama administration announced the lifting of restrictions on family travel and remittances to Cuba, along with freeing up communications. Fidel Castro recognizes the gesture but points out that nothing was said about the blockade.
By Kevin Hagen | Published 4/15/2009 | Read more »
Tennessee offers a low state and local tax burden, ranking 44th among the states in 2008. The state income tax applies only on interest and dividends, seniors 65 and older can qualify for property tax relief, and the state sales tax is 7%.
By Kevin Hagen | Published 4/15/2009 | Read more »
New Jersey residents can qualify for a homestead rebate on property taxes on their principal home. Both homeowners and tenants can qualify for this rebate. This property tax relief program is subject to available funding from the State of New Jersey.
By Kevin Hagen | Published 4/15/2009 | Read more »
The Obama administration announced the lifting of restrictions on family travel and remittances to Cuba, along with freeing up communications. Fidel Castro recognizes the gesture but points out that nothing was said about the blockade.
By Kevin Hagen | Published 4/15/2009 | Read more »
Victims of Hurricane Ike can take advantage of special tax provisions for federally declared disaster areas. You can claim a casualty loss without having to itemize, and your deduction is not subject to the 10% of adjusted gross income limit.
By Kevin Hagen | Published 4/8/2009 | Read more »
Montana offers various tax deductions and credits you can claim on your state income tax return. Deductions reduce your income subject to tax and credits directly reduce your tax. Review your Montana return to be sure you claim all your tax breaks.
By Kevin Hagen | Published 4/8/2009 | Read more »
On your Ohio state income tax return there are various adjustments to your federal adjusted gross income that can reduce your Ohio taxable income. There are also a number of special credits that you may qualify for, which directly reduce your Ohio tax.
By Kevin Hagen | Published 4/3/2009 | Read more »
When you prepare your North Dakota state income tax return you may qualify to subtract certain income included on your federal return. There are also special credits you may be able to claim in North Dakota, such as the property tax credit.
By Kevin Hagen | Published 4/2/2009 | Read more »
Your Nebraska state income tax return starts with your federal adjusted gross income. You make adjustments for income treated differently in Nebraska. Then you claim all the exemptions, deductions and credits you are qualified to take in Nebraska.
By Kevin Hagen | Published 3/30/2009 | Read more »
When you prepare your Pennsylvania state income tax return, keep in mind that some income is treated differently than on your federal return and may be exempt. And there may be other deductions and credits you can take advantage of in Pennsylvania.
By Kevin Hagen | Published 3/30/2009 | Read more »
If you live in Maine, or have income from sources in Maine, you may need to file a Maine state income tax return. The Maine return is similar to the federal return, but there are some important differences. Be sure to claim all your tax breaks.
By Kevin Hagen | Published 3/30/2009 | Read more »
If you live in Iowa, or have income from sources in Iowa, you may have to file an Iowa tax return. This return is similar to the federal return but there are some significant differences. Be sure to claim all the deductions and credits you qualify for.
By Kevin Hagen | Published 3/30/2009 | Read more »
When you prepare your New Jersey state income tax return, be sure to claim all the deductions and credits you qualify for. The New Jersey return is similar to the federal return, but there are some important differences that could reduce your state tax.
By Kevin Hagen | Published 3/30/2009 | Read more »
If you are a resident of Illinois you can take advantage of several tax breaks when you file your Illinois state tax return. Some income included on your federal return is not taxable in Illinois and there are different tax credits available in Illinois.
By Kevin Hagen | Published 3/26/2009 | Read more »
Massachusetts residents can claim various tax deductions and credits on their state income tax return. Some are the same as, or similar to the tax breaks on the federal return, but others are different. Be sure to claim all the benefits you qualify for.
By Kevin Hagen | Published 3/17/2009 | Read more »
Colorado residents can deduct certain income reported on their federal tax return when they prepare their state tax return. There are also special Colorado tax credits you may qualify for. Be sure you claim all the tax breaks available to you.
By Kevin Hagen | Published 3/3/2009 | Read more »
Be sure to claim all your tax breaks when you file your California state tax return. California tax generally conforms to federal tax, but there are some differences to be adjusted. And there are various credits you may qualify for in California.
By Kevin Hagen | Published 3/3/2009 | Read more »
Be sure to claim all the tax breaks you qualify for when you file your New York state income tax return. Some income included on your federal return is excluded in New York, and there are various deductions and credits you could qualify for in New York.
By Kevin Hagen | Published 3/3/2009 | Read more »
When you prepare your Alabama state income tax return, be sure to claim all the deductions and credits you qualify for. The Alabama return is similar to the federal return, but there are some important differences that could reduce your state tax.
By Kevin Hagen | Published 2/25/2009 | Read more »
When you prepare your Arizona income tax return you should be aware of all the deductions and credits you qualify for. There are a number of adjustments you can make to your federal adjusted gross income, and Arizona offers a series of special credits.
By Kevin Hagen | Published 2/25/2009 | Read more »
Be sure you claim all the deductions and credits you qualify for when you file your Georgia tax return. Some deductions and credits are similar to those on your federal return, but Georgia offers additional tax benefits that could reduce your state tax.
By Kevin Hagen | Published 2/24/2009 | Read more »
In Georgia, if you are 62 or older, you can exclude up to $35,000 of retirement income from the state income tax.
By Kevin Hagen | Published 2/24/2009 | Read more »
When you prepare your North Carolina state tax return you should be sure to take advantage of all the deductions and credits you qualify for. North Carolina offers several tax benefits that are different from, or in addition to your federal tax benefits.
By Kevin Hagen | Published 2/23/2009 | Read more »
When you file your Arkansas state tax return you should claim all the deductions and credits you qualify for. Many are similar to the federal tax breaks, but some are different and you could qualify for additional benefits that can reduce your state tax.
By Kevin Hagen | Published 2/23/2009 | Read more »
The two principal methods of reducing carbon emissions through fiscal measures are a carbon tax and a cap-and-trade system. Each system has pros and cons in terms of its economic feasibility and its effectiveness in reducing overall emissions.
By Kevin Hagen | Published 2/20/2009 | Read more »
Coal-fired power plants may never be clean, but technologies exist to make them cleaner. Carbon sequestration may be a long-term solution, and a carbon tax may provide the economic incentive to make the installation of cleaner technologies more feasible.
By Kevin Hagen | Published 2/19/2009 | Read more »
Al Gore has proposed a tax on carbon emissions that would be offset by corresponding reductions in payroll taxes, to reduce pollution and stimulate employment. Opponents present economic arguments and the difficulty in gaining international coordination.
By Kevin Hagen | Published 2/19/2009 | Read more »
A way of measuring the effects our activities have on the environment and the earth's ecosystems is necessary in order to develop policies, establish regulations, provide incentives, and conduct business in a way that ensures sustainability.
By Kevin Hagen | Published 2/16/2009 | Read more »
Alabama offers a favorable business climate, encouraging economic activity by offering incentives to businesses, including a state-wide job training program and special tax incentives for hiring and investing in urban and rural enterprise zones.
By Kevin Hagen | Published 2/10/2009 | Read more »
South Carolina offers a comparatively low state and local tax burden, ranking 37th among the states in 2008. Seniors 65 and older can claim a $50,000 homestead exemption on their property taxes and a $15,000 deduction for state income tax purposes.
By Kevin Hagen | Published 2/3/2009 | Read more »
You can take advantage of significant state tax benefits when you set up your business in a Maryland Enterprise Zone.
By Kevin Hagen | Published 2/3/2009 | Read more »
North Carolina has a state income tax with a maximum rate of 7.75%. Social security benefits are exempt and there are exemptions for other pensions.
By Kevin Hagen | Published 2/3/2009 | Read more »
Arkansas homeowners can claim a $350 homestead credit against the property taxes on their principal residence.
By Kevin Hagen | Published 2/3/2009 | Read more »
Relational selling is different from transactional selling in that you are not trying to just close a sale.
By Kevin Hagen | Published 2/3/2009 | Read more »
While Arkansas's state and local tax burden is relatively high, the overall cost of living in the state is quite low.
By Kevin Hagen | Published 2/3/2009 | Read more »
Your business can take advantage of significant state tax benefits and other state and local incentives when you invest and hire workers in order to stimulate the economy in certain designated areas of California called Economic Development Areas.
By Kevin Hagen | Published 2/3/2009 | Read more »
By differentiating your product prices, based on customer segmentation in terms of who buys your products, and where and when they buy them, you can improve your bottom line.
By Kevin Hagen | Published 1/30/2009 | Read more »
You can claim a federal income tax credit when you hire employees who live and work in a distressed community. There are also credits for hiring employees from social groups subject to particularly high unemployment or who have special employment needs.
By Kevin Hagen | Published 1/28/2009 | Read more »
Realizing that many people face financial hardships making it difficult for them to meet their tax obligations, the IRS is implementing a number of measures to ease the collection burden. There are also credits and deductions from which you can benefit.
By Kevin Hagen | Published 1/28/2009 | Read more »
Louisiana offers a low overall state and local tax burden for retirees. Many types of pension income are exempt from state income tax, and with a generous homestead exemption, property taxes in Louisiana are among the lowest in the country.
By Kevin Hagen | Published 1/28/2009 | Read more »
In addition to advertising, sales depend on price, presentation, and the quality of the product. Advertising should make customers aware of the product, let them know of the product's benefits, and cause them to develop feelings for the product.
By Kevin Hagen | Published 1/19/2009 | Read more »
Segmentation of the market into relatively homogenous groups of customers, based on differing needs, characteristics and purchasing behavior, enables your business to develop effective marketing and commercial strategies to target those groups.
By Kevin Hagen | Published 1/15/2009 | Read more »
If you choose to sell your products through a distributor, you should define your customer segments and the services involved in distribution. Determine who can best provide those services and how earnings will be shared to find the right distributor.
By Kevin Hagen | Published 1/15/2009 | Read more »
If you have an IRA or other type of retirement account and are facing the possibility of having to sell investments low in order to take the required minimum distributions to avoid a tax penalty, there is relief in sight, at least for 2009.
By Kevin Hagen | Published 1/14/2009 | Read more »
If you didn't qualify for an economic stimulus payment in 2008, you may have another chance this year. The payment is based on either 2007 or 2008 income. You can claim a recovery refund credit when you file your income tax return for 2008.
By Kevin Hagen | Published 1/14/2009 | Read more »
Texas ranks 43rd among the states in state and local per capita taxation. Texas has no state income tax. There are state and local sales taxes. Property taxes can be relatively high, but the overall tax burden for retirees in Texas is low.
By Kevin Hagen | Published 1/13/2009 | Read more »
A brand is a combination of various product attributes and perceptions that provide a total customer experience. Building a brand involves recognition and remembrance, perceived quality, associations the brand produces in customers' minds, and loyalty.
By Kevin Hagen | Published 1/13/2009 | Read more »
You are obligated to collect sales tax on your Internet sales to buyers in states or local taxing jurisdictions in which your business has a physical presence. You need to file sales tax returns and pay the tax, generally monthly or quarterly.
By Kevin Hagen | Published 1/12/2009 | Read more »
The sales tax on Internet purchases depends on the location of the buyer, not the seller. You are responsible for paying the tax if the retailer doesn't collect it. States are making efforts to enforce the collection of sales tax by Internet retailers.
By Kevin Hagen | Published 1/5/2009 | Read more »
If you are 65 or older, lived in Arizona the entire year, and paid property taxes, you may be eligible for a property tax credit. You can claim the credit whether you own or rent your main home, provided your household income is within the limits.
By Kevin Hagen | Published 12/31/2008 | Read more »
As a renter, you could be a victim of the mortgage crisis and face eviction with short notice due to a foreclosure. It is important to know your rights under state law. You may be able to find legal help through a local tenants' organization.
By Kevin Hagen | Published 12/31/2008 | Read more »
Conflict involves negotiating and decision-making and is a normal part of managing a business. Different approaches can be taken depending on the level and importance of the conflict, the relationship between the parties and the interests involved.
By Kevin Hagen | Published 12/29/2008 | Read more »
Due to a budget deficit in California, Medi-Cal benefits are being reduced. If you are a Medicare and Medi-Cal beneficiary with a share-of-cost over $500, the $96.40 premium for Medicare Part B coverage will be deducted from your Social Security check.
By Kevin Hagen | Published 12/22/2008 | Read more »
Pamela's Delicatessen in Miami serves up hospitality and great authentic Chilean food at very reasonable prices. The empanadas are outstanding, and the rest of the menu, prepared like at home, will keep you coming back for more.
By Kevin Hagen | Published 12/17/2008 | Read more »
Florida, ranked 47th among the states in per capita taxation, has no state income tax. Homeowners qualify for a homestead exemption on property taxes and seniors may qualify for an additional exemption. The state sales tax rate is 6%.
By Kevin Hagen | Published 12/15/2008 | Read more »
Preparing for a negotiation helps you clarify what you hope to gain, support your position with objective data, understand the other party's concerns and priorities, and set the stage for constructive, creative negotiation that benefits both parties.
By Kevin Hagen | Published 12/12/2008 | Read more »
Property taxes vary considerably in different areas of Arizona, but on average would be around 1.3% of the market value of your home. The maximum Arizona state income tax rate is 4.54% and overall sales taxes in the state can be around 8 or 9%.
By Kevin Hagen | Published 12/5/2008 | Read more »
The fun-to-drive Honda Fit, a gasoline-powered subcompact starting at $14,550 for the standard transmission 2009 model, can get up to 35 miles per gallon. The versatility of the interior configuration provides plenty of room for passengers and cargo.
By Kevin Hagen | Published 12/3/2008 | Read more »
New Mexico property taxes vary considerably from one area to another but are generally lower than the national average. The maximum state income tax rate is 5.3% with a special deduction for taxpayers over 65. The gross receipts tax can be up to 8%.
By Kevin Hagen | Published 11/16/2008 | Read more »
The Efficiency Vermont program provides rebates on energy efficient lighting, appliances, heating and cooling systems. The Burlington Electric Department gives advice and free products, and Vermont Gas offers various rebates on energy-saving measures.
By Kevin Hagen | Published 11/13/2008 | Read more »
The diesel version of the Fiesta, Ford's global small car, has proven to be very popular in Europe. The Fiesta ECOnetic European model can get up to 64 mpg. A gasoline-powered Fiesta, with up to 40 mpg, will come to the U.S. market in 2010.
By Kevin Hagen | Published 11/12/2008 | Read more »
Various utility companies in Kentucky offer rebates on heat pumps, geothermal systems, electric water heaters, additional insulation and weatherization improvements. The rebates can help offset the upfront cost of these energy saving measures.
By Kevin Hagen | Published 11/12/2008 | Read more »
Efficiency in the workplace directly impacts the bottom line. The 5 S's developed by the Japanese for operational excellence - tidiness, orderliness, cleanliness, standardization, and discipline - can be applied to improve efficiency in any business.
By Kevin Hagen | Published 11/12/2008 | Read more »
Arizona customers of the APS electric company or members of the Sulphur Springs Valley Electric Cooperative who want to help the environment and save money can take advantage of rebates for energy efficiency improvements at home.
By Kevin Hagen | Published 11/10/2008 | Read more »
Alabama, ranking 48th among the states in per capita taxation, offers prospective retirees the lowest property tax rate in the country and exemption from state income taxes on most retirement benefits, including federal social security.
By Kevin Hagen | Published 11/10/2008 | Read more »
North Carolina residents who install a heat pump or an energy efficient water heater may qualify to receive a rebate from their utility company. The City of New Bern, the City of Statesville and Piedmont Electric offer these rebates.
By Kevin Hagen | Published 11/5/2008 | Read more »
If you live in Georgia and want to improve the energy efficiency of your home, your utility company may be offering rebates to help offset part of the cost of efficient heating and cooling systems, water heaters, and weatherization improvements.
By Kevin Hagen | Published 11/4/2008 | Read more »
The Toyota IQ, an ultra-compact city car for 3+1 passengers, with estimated 57 mpg and CO2 emissions of 100 g/km, is Toyota's response to the need to ensure a sustainable future. It's scheduled to compete with Europe's small cars in early 2009.
By Kevin Hagen | Published 10/31/2008 | Read more »
The Long Island Power Authority and National Grid offer their New York customers some significant rebates on energy efficiency improvements at home, including heating and air conditioning, water heaters, appliances, and weatherizing.
By Kevin Hagen | Published 10/27/2008 | Read more »
Various utility companies in Idaho offer rebates on energy efficient heating and cooling systems, water heaters, Energy Star appliances, and weatherization improvements, to help with the upfront cost of improvements that will save money in the long run.
By Kevin Hagen | Published 10/24/2008 | Read more »
Utah residents can claim a state tax credit when they purchase a clean fuel vehicle. The credit in effect for 2008 is 50% of the incremental cost, up to a maximum credit of $3,000. There is also a credit for converting a vehicle to use clean fuels.
By Kevin Hagen | Published 10/24/2008 | Read more »
Residents of South Carolina who purchase an alternative fuel vehicle can claim a state tax credit of 20% of the federal tax credit. The South Carolina credit will not be phased out. Plug-in hybrid vehicles qualify for up to a $2,000 credit.
By Kevin Hagen | Published 10/24/2008 | Read more »
Louisiana residents can claim a credit on their Louisiana state income tax return for 2% of the cost of an alternative fuel or hybrid electric vehicle up to a maximum credit of $1,500. The credit is available for individuals and companies.
By Kevin Hagen | Published 10/24/2008 | Read more »
Colorado residents who buy a hybrid electric or an alternative fuel vehicle can claim a credit on their Colorado state income tax return. The credit is also available for the cost of converting a traditional fuel vehicle or replacing the power source.
By Kevin Hagen | Published 10/23/2008 | Read more »
Oregon residents who purchase a hybrid electric vehicle can claim up to a $1,500 credit on their Oregon state income tax return. Business owners can claim a credit for 35% of the excess cost of a hybrid electric over a conventional fuel vehicle.
By Kevin Hagen | Published 10/21/2008 | Read more »
Various utility companies in Arizona offer significant financial incentives to help offset part of the cost of installing a renewable energy system. Incentives include upfront payments and performance based incentives, for systems on and off the grid.
By Kevin Hagen | Published 10/21/2008 | Read more »
New Mexico residents can qualify for rebates from their utility company when they make energy efficiency improvements at home, including heating and cooling systems, electric thermal storage units, water heaters, refrigerators and freezers.
By Kevin Hagen | Published 10/21/2008 | Read more »
Texans who install a solar energy system may be able to claim a rebate from their utility company to offset a significant portion of the purchase and installation cost. Loans are also offered for solar photovoltaic and solar water heating systems.
By Kevin Hagen | Published 10/20/2008 | Read more »
West Virginia residents who install a renewable energy system can use net metering to receive credit for the electricity they generate in excess of what they consume. There is a sales tax holiday on energy efficient products in 2009 and 2010.
By Kevin Hagen | Published 10/19/2008 | Read more »
Utility companies in Indiana offer rebates on energy-efficient air source and geothermal heat pumps installed in new or existing homes. Many utility companies also offer free electric water heaters or rebates on electric water heaters you purchase.
By Kevin Hagen | Published 10/17/2008 | Read more »
Residents of the state of Washington who install a renewable-energy system can take advantage of production incentive payments for the electricity they generate.
By Kevin Hagen | Published 10/16/2008 | Read more »
Tennessee residents can take advantage of a solar and wind energy production credit of $0.15 per kWh offered by the Tennessee Valley Authority. Various utility companies in Tennessee offer rebates on energy efficient water heaters and heat pumps.
By Kevin Hagen | Published 10/15/2008 | Read more »
The Wisconsin Focus on Energy program offers rebates of 25% of the cost of a solar or wind system up to a maximum rebate of $35,000. Solar water heating systems qualify for a rebate up to $2,500. Utility companies buy the electricity you generate at special buy-back rates.
By Kevin Hagen | Published 10/8/2008 | Read more »
When you install a renewable energy system in Maryland, you can claim a state income tax credit of 0.85 cents per kW. The Maryland Energy Administration has grant programs for solar, wind and geothermal systems. Counties can offer credits against local property taxes.
By Kevin Hagen | Published 10/4/2008 | Read more »
In Massachusetts there is a state income tax credit up to $1,000 for renewable energy systems. The Commonwealth Solar initiative, Chicopee Electric Light, and National Grid offer rebates for solar systems.
By Kevin Hagen | Published 10/3/2008 | Read more »
If you install a solar energy system in South Carolina, you could qualify for a state income tax credit of up to $3,500. Utility companies offer rebates on heat pumps and water heaters and low-interest loans to finance energy efficiency improvements at home.
By Kevin Hagen | Published 10/2/2008 | Read more »
In Illinois, you can qualify for a rebate of 30% of the cost of installing a solar energy system up to a maximum rebate of $10,000. City Water Light and Power of Springfield offers rebates for energy efficient water heaters, heat pumps, and insulation.
By Kevin Hagen | Published 10/2/2008 | Read more »
Mississippi utility companies offer rebates for energy efficient heating and cooling systems, water heaters, and weatherization improvements. Some utilities offer low-interest financing, and TVA power distributors offer production incentives for solar and wind systems.
By Kevin Hagen | Published 9/30/2008 | Read more »
Starting in 2009, Kentucky residents can claim a credit of up to $500 on their state income tax return for installing a renewable energy system or making energy efficiency improvements at home. The credit can be up to $1,000 for a rental property or business.
By Kevin Hagen | Published 9/29/2008 | Read more »
Virginia incentives for renewable energy and energy efficiency include a production incentive for solar and wind energy systems, property and sales tax exemptions or a deduction on your state income tax return. The Southside Electric Cooperative offers low-interest loans.
By Kevin Hagen | Published 9/24/2008 | Read more »
Nevada homeowners can obtain a rebate of $2.30 per watt up to $11,500 for a solar energy system. Wind and hydroelectric systems also qualify for rebates. Nevada Power and Sierra Pacific offer rebates for installing a new, more efficient air conditioning or heating system.
By Kevin Hagen | Published 9/12/2008 | Read more »
The Keystone Home Energy Loan Program offers unsecured loans of up $10,000 and secured loans up to $35,000 to all Pennsylvania homeowners who want to make energy efficiency improvements at home. The Adams Electric Cooperative offers its members loans up to $25,000.
By Kevin Hagen | Published 9/5/2008 | Read more »
Residents of Kansas can obtain a low-interest loan to finance the cost of energy efficiency improvements at home. Kansas City Power & Light's Energy Optimizer program can help reduce your energy usage. Renewable energy systems are exempt from property tax.
By Kevin Hagen | Published 9/5/2008 | Read more »
Through the Nebraska Dollar and Energy Saving Loan program, you can obtain a low-interest loan to finance the cost of energy efficiency improvements. You can borrow up to $35,000 for a single-family home, $100,000 for a business, and $75,000 for a farm or ranch.
By Kevin Hagen | Published 9/5/2008 | Read more »
Improving the energy efficiency of your Missouri home can save you money and reduce greenhouse gases. You can also qualify for various rebates offered by utility companies, including rebates on energy efficient appliances, heat pumps, water heaters, and other improvements.
By Kevin Hagen | Published 9/3/2008 | Read more »
Hawaii residents who install a solar or wind system can claim a credit against their state income tax. Utility companies on the islands offer rebates on energy efficient appliances and water heaters, and loan programs to finance the cost of a solar water heating system.
By Kevin Hagen | Published 8/29/2008 | Read more »
South Dakota utility companies offer rebates on the purchase of energy efficient heating and cooling systems and other electrical equipment. With a demand controller you can reduce electricity usage and may qualify for lower rates. There are also loan programs available.
By Kevin Hagen | Published 8/28/2008 | Read more »
If you are a customer of Edmond Electric in Oklahoma and want to make your home heating and cooling system more efficient, you can receive a rebate of $150 or $250 per ton if you install a heat pump. A ground-source heat pump could cut your electric bill by one third.
By Kevin Hagen | Published 8/27/2008 | Read more »
In Ohio you can qualify for a total rebate of $1,250 from a First Energy utility company when you make energy efficiency improvements at home. Paulding-Putnam, the Energy Cooperative and Duke Energy also offer rebates on water heaters and heating and cooling systems.
By Kevin Hagen | Published 8/27/2008 | Read more »
Utility companies in Arkansas offer loans for heat pumps, high efficiency water heaters, and energy efficiency improvements you want to make at home. The loans have a low fixed interest rate. The loan terms and maximum amounts vary according to the utility company.
By Kevin Hagen | Published 8/27/2008 | Read more »
Idaho residents who install a renewable energy system can claim a state income tax deduction of up to $20,000. The Idaho sales tax on alternative energy systems is refundable. You can earn credits through net metering and can sell your Green Tags for $0.02 per kWh.
By Kevin Hagen | Published 8/26/2008 | Read more »
In California you can qualify for an upfront expected performance based buydown incentive of $2.50/W for a solar photovoltaic system, or a performance based incentive of $0.39/kWh over time. There are also incentives for solar water heating, wind turbines and fuel cells.
By Kevin Hagen | Published 8/26/2008 | Read more »
In Vermont, you can qualify for a rebate of up to $8,750 for a solar photovoltaic or solar water heating system, and up to $12,500 for a residential wind energy system. Green Mountain Power offers a production incentive of $0.06/kWh for solar generated electricity.
By Kevin Hagen | Published 8/26/2008 | Read more »
You can qualify for a rebate of up to $46,500 for a solar energy system you install at your Connecticut home. There are also production incentives of $0.03 per kW, property and sales tax exemptions, and rebates on energy efficient appliances and efficiency improvements.
By Kevin Hagen | Published 8/26/2008 | Read more »
Through the Delaware Department of Energy's Green Energy Program you can receive grants for installing a renewable energy system including solar, wind, geothermal, and fuel cells. The amount of the grant depends on your electricity company and the technology.
By Kevin Hagen | Published 8/22/2008 | Read more »
Michigan customers of a Wisconsin Public Power utility company can qualify for a rebate of up to $10,000 for a solar photovoltaic or wind system, $3,500 for a solar water heating system, and up to $2,500 for servicing or repairing an existing system.
By Kevin Hagen | Published 8/22/2008 | Read more »
Utah residents who install a renewable energy system can claim a credit of up to $2,000 against their state income tax. St. George and Washington City offer rebates on solar and wind systems. Utility companies offer rebates on solar systems and energy efficient appliances.
By Kevin Hagen | Published 8/21/2008 | Read more »
Alaskans can receive rebates of up to $10,000 for making energy efficiency improvements at home. Also, 15-year, $30,000 loans are available to finance the cost. Local producers of electricity using renewable sources can receive production payments on a $/kWh basis.
By Kevin Hagen | Published 8/13/2008 | Read more »
You can receive a tax credit of up to $12,500 if you install a solar or wind energy system at your Louisiana home. There is also a property tax exemption. The Louisiana Department of Revenue offers rebates and low-interest loans on home energy efficiency improvements.
By Kevin Hagen | Published 8/13/2008 | Read more »
You can receive a rebate of up to $300 for energy efficiency improvements to your home in Colorado. And you can qualify for a rebate of from $3,000 to $6,000 for a solar photovoltaic system, $750 - $3,000 for solar water heating, and up to $10,000 for a small wind system.
By Kevin Hagen | Published 8/13/2008 | Read more »
Wyoming residents can receive a grant for installing a solar energy system at home and can take advantage of net metering. Utility companies in Wyoming offer rebates for energy efficient water heaters, heat pumps, geothermal systems, and electric motors.
By Kevin Hagen | Published 8/13/2008 | Read more »
In Oregon, you can claim a credit against your personal state income tax for various energy-efficiency improvements, including appliances, heating and air-conditioning systems and water-heating systems.
By Kevin Hagen | Published 8/12/2008 | Read more »
In North Carolina you can claim a credit of from $1,400 to $10,500 against your state income tax when you install a solar, wind, or other renewable energy system at home. You can also take advantage of net metering, a property tax and sales tax exemption.
By Kevin Hagen | Published 8/11/2008 | Read more »
Rhode Island offers a personal income tax credit, property and sales tax exemptions, production incentives, and net metering for renewable energy systems you install at home. National Grid offers various rebates for energy efficiency improvements and appliances.
By Kevin Hagen | Published 7/31/2008 | Read more »
Georgia residents can claim a state income tax credit for 35% of the cost of a residential renewable energy system, up to $2,500 for a solar water heating system; $10,500 for a solar photovoltaic, solar space heating or wind system; and $2,000 for a geothermal heat pump.
By Kevin Hagen | Published 7/25/2008 | Read more »
Florida offers exemption from sales tax and property tax on a residential renewable energy system, and net metering to get credit for excess energy generation. Utility companies offer various rebates on solar water heating systems and other energy efficiency improvements.
By Kevin Hagen | Published 7/25/2008 | Read more »
New Jersey offers its residents various rebates for energy efficiency measures at home and for energy efficient heating and cooling units and appliances. If you install a renewable energy system you can take advantage of rebates, net metering and production incentives.
By Kevin Hagen | Published 7/23/2008 | Read more »
Residents of Alabama can take advantage of rebates offered by electric cooperatives in the state for energy efficient water heaters, heat pumps, and geothermal heat pumps. There are production incentives for homeowners who install a solar or wind turbine system.
By Kevin Hagen | Published 7/23/2008 | Read more »
If you install an alternative energy system at your home in New Hampshire you may qualify for a property tax exemption and can take advantage of net metering. Utility companies in New Hampshire offer a series of rebates for home energy efficiency improvements.
By Kevin Hagen | Published 7/23/2008 | Read more »
Maine offers a rebate program for the installation of a solar photovoltaic or solar thermal heating system at your residence. Wind energy systems will be included in the rebate program in 2009. You can also take advantage of net metering and the home energy loan program.
By Kevin Hagen | Published 7/23/2008 | Read more »
Montana offers a credit of up to $500 against the state income tax for the cost of installing an alternative energy system in your home or business, a property tax exemption, an alternative energy loan program, and net metering. Electric coops offer rebates and grants.
By Kevin Hagen | Published 7/21/2008 | Read more »
North Dakota offers its residents a renewable energy tax credit against their state income taxes for solar, wind, geothermal and other alternate energy systems. There are exemptions from property and sales tax, and two electric cooperatives offer low-interest loans.
By Kevin Hagen | Published 7/17/2008 | Read more »
Iowa offers various incentives for solar, wind, and other renewable energy systems installed at your residence, including a personal tax credit per kW of energy you produce, exemptions from sales and property taxes, and various rebates from utility companies.
By Kevin Hagen | Published 7/16/2008 | Read more »
Minnesota has several incentive programs for solar and wind electricity-generating systems installed in residences, including upfront rebates for the purchase of a solar or wind system, production incentives, and exemptions from state sales and property taxes.
By Kevin Hagen | Published 7/15/2008 | Read more »
You can claim a credit of up to $1,000 on your Arizona state income return for the installation of a solar or wind energy system at your residence. The purchase may also be exempt from sales tax and there is a property tax exemption for the increase in assessed value.
By Kevin Hagen | Published 7/15/2008 | Read more »
New York offers a state income tax credit of 25% of the cost of a solar photovoltaic or solar thermal system up to a maximum credit of $5,000, and 20% of the cost of a fuel cell up to $1,500. There are also other state incentives for alternative energy systems.
By Kevin Hagen | Published 7/15/2008 | Read more »
New Mexico offers a state income tax credit for the purchase and installation of a solar photovoltaic or thermal system in a residence or business. The state tax credit, combined with the federal tax credit, is 30% of the cost of the system up to a maximum of $9,000.
By Kevin Hagen | Published 7/15/2008 | Read more »
With a 427ci V8 and twin turbos generating 750 hp and 700 lb-ft of torque, the Saleen beat the Maseratis on their own turf. Car and Driver praised the precise and responsive steering and breaks, and said the S7 provides one of the most exhilarating rides on the planet.
By Kevin Hagen | Published 7/11/2008 | Read more »
Oregon imposes an inheritance tax on the heirs of property from a decedent's estate. The tax applies on estates valued at over $1,000,000. Bequests to the surviving spouse are deducted. There is a special credit for natural resource and fishing business property.
By Kevin Hagen | Published 7/9/2008 | Read more »
You may be subject to the Tennessee inheritance tax if you receive property from a decedent who was a Tennessee resident or who owned real or tangible personal property in Tennessee. There is an exemption of $1,000,000, and the surviving spouse is exempt from the tax.
By Kevin Hagen | Published 7/9/2008 | Read more »
The Pennsylvania inheritance tax applies on property transfers to beneficiaries. The surviving spouse is exempt. Other beneficiaries are taxed at different rates according to their relationship to the decedent. Normally the taxes are paid before property is distributed.
By Kevin Hagen | Published 7/3/2008 | Read more »
The New Jersey inheritance tax applies to certain beneficiaries of an estate when the decedent was a resident or owned real or personal property in New Jersey. The surviving spouse and other close relatives are exempt, and other beneficiaries are taxed at graduated rates.
By Kevin Hagen | Published 7/2/2008 | Read more »
You may be subject to the Nebraska inheritance tax if you inherit property from a Nebraska resident or real or personal property located in Nebraska. The surviving spouse is exempt. Close relatives have an exemption of $40,000 and are subject to a 1% tax on the excess.
By Kevin Hagen | Published 7/2/2008 | Read more »
If you inherit property in Maryland you may be subject to the Maryland state inheritance tax. The surviving spouse and other close relatives are exempt. For non-exempt beneficiaries the 10% tax applies on both probate and non-probate assets, including living trusts.
By Kevin Hagen | Published 7/2/2008 | Read more »
You can generally receive your U.S. social security benefits if you retire in another country. Some considerations include your citizenship, banking arrangements, and the taxes that may apply. You will need to keep Social Security informed of your status.
By Kevin Hagen | Published 7/2/2008 | Read more »
If you inherit real or personal property in Kentucky, or money or other types of property from a Kentucky resident, you could be subject to the Kentucky inheritance tax. The surviving spouse, children, parents, brothers, sisters and other close relatives are exempt.
By Kevin Hagen | Published 7/1/2008 | Read more »
Take-Two Interactive, Inc., a company that sells interactive software games, including its hit Grand Theft Auto, is experiencing significant revenue growth.
By Kevin Hagen | Published 6/30/2008 | Read more »
If you receive an inheritance from someone who lived in, or owned property in Iowa, you could be subject to the inheritance tax. The surviving spouse and lineal relatives are exempt. The personal representative normally files the return but the beneficiaries pay the tax.
By Kevin Hagen | Published 6/26/2008 | Read more »
When you reach full retirement age, you can continue working without affecting your social security benefits. If you begin receiving social security early, part of your benefits are withheld if your earnings exceed certain limits. You could recover the difference later.
By Kevin Hagen | Published 6/9/2008 | Read more »
Indiana charges an inheritance tax on the heirs of an estate when the decedent was an Indiana resident, or owned real or tangible personal property in Indiana. Exemptions and progressive tax rates apply, favoring the surviving spouse and closest family members.
By Kevin Hagen | Published 6/9/2008 | Read more »
When you start working, you will find that your take-home pay is significantly less than the salary or wages you agreed to. Social Security, Medicare, federal income tax, and state income taxes take a chunk. Medical insurance can also be a substantial deduction.
By Kevin Hagen | Published 6/2/2008 | Read more »
You depend on your suppliers and need a way to evaluate their performance. You can develop a scorecard, based on factors important to your business, to rate your suppliers. You can discuss what they are doing well, where they can improve, and how you can work together.
By Kevin Hagen | Published 6/2/2008 | Read more »
Lean production is whole system thinking that eliminates waste at every stage of the business process, and ensures that each step in the process adds value. Lean production means operating efficiently, using less resources, less energy, less space, and less time.
By Kevin Hagen | Published 5/21/2008 | Read more »
Severance pay is not required by federal law, but a few states require it in the case of plant closures. Normally severance pay is at the employer's discretion. You can negotiate, and you may be asked to sign an agreement to waive your right to file claims later.
By Kevin Hagen | Published 5/7/2008 | Read more »
The price-to-sales ratio is a metric used to see if a stock is under or over-valued. It allows you to compare similar companies in the same industry, and can be useful in evaluating companies with inconsistent net earnings and start-up companies with great potential.
By Kevin Hagen | Published 4/30/2008 | Read more »
Under federal law, eligible employees are entitled to take up to 12 weeks of unpaid family or medical leave. Benefits must continue during the leave, and the employee must be reintegrated with the same pay. State law may provide more generous conditions.
By Kevin Hagen | Published 4/25/2008 | Read more »
Plastic shopping bags are being banned in many parts of the world and in many cities and states across the U.S. Major supermarkets are selling reusable bags at a nominal price, and specialty retailers are offering alternatives that will help us do the right thing.
By Kevin Hagen | Published 4/18/2008 | Read more »
The IRS imposes penalties for not filing a return, for filing late, for not paying the taxes due, for underpayment of estimated tax, and for inaccurate returns, among other reasons. Interest is charged on the balance of unpaid taxes plus the penalties and interest accrued.
By Kevin Hagen | Published 4/15/2008 | Read more »
You can check the status of your income tax refund by using the "Where's My Refund?" tool on the IRS website. Your refund may be delayed due to IRS corrections, change of address, wrong banking information, or the refund may be withheld to pay delinquent obligations.
By Kevin Hagen | Published 4/13/2008 | Read more »
Students from the University of South Australia designed and built the Trev, an ultra-light, electric-powered, 3-wheel, 2-passenger vehicle, as a prototype for urban commuters, based on the solar cars they have raced in the 3,000 km World Solar Challenge in Australia.
By Kevin Hagen | Published 4/9/2008 | Read more »
When the IRS charges you a penalty for filing late or not paying your taxes on time, you can request an abatement of the penalty if you have reasonable cause. You must send the IRS a letter, clearly describing the facts and circumstances that made you unable to comply.
By Kevin Hagen | Published 4/9/2008 | Read more »
Your product may require certain modifications when you decide to go global. You should determine any specific requirements imposed by the country, and take into consideration technical standards, linguistic and cultural aspects, and local conditions in the country.
By Kevin Hagen | Published 4/9/2008 | Read more »
2-passenger Smart cars are 2.5 meters long, retail at $11,600, and get from 40 to 45 miles per gallon. With support from Greenpeace, the SmILE was designed and built in 1996, based on the Renault Twingo, to prove that fuel consumption could be reduced by 50%.
By Kevin Hagen | Published 4/7/2008 | Read more »
The Pension Protection Act of 2006 included stricter record-keeping requirements to claim a tax deduction for cash donations. Also, donated clothing and household items must be in good used condition or better. IRA owners can deduct direct transfers to charity.
By Kevin Hagen | Published 3/28/2008 | Read more »
When you need a copy of the tax return you filed last year or for a prior year, you can obtain a photocopy from the IRS for a fee of $39. Or you can request a tax return transcript, free of charge, which has the same information and is acceptable for most needs.
By Kevin Hagen | Published 3/19/2008 | Read more »
When you are missing a W-2, you still must file your tax return by the deadline. You should call your employer and ask them to re-issue your W-2. If that doesn't work, you can call the IRS. You can also complete IRS Form 4852 which is a substitute for your W-2.
By Kevin Hagen | Published 3/19/2008 | Read more »
Tax refund loans are a very expensive way to receive money in advance when you have a refund from your income tax return. The annualized interest rate can reach triple digits. With e-file and direct deposit you can receive your refund in about 10 days, often at no cost.
By Kevin Hagen | Published 3/19/2008 | Read more »
The 1965 Ford Mustang Fastback, with its sharp looks, powerful 4-barrel 289ci V8 engine churning out 271 hp, and a wide array of options and accessories, took the country by storm as the new pony car brand of roadster. Inspiring the GT-350, its legend as a racer lives on.
By Kevin Hagen | Published 3/14/2008 | Read more »
When you receive a notice from the IRS you should read it carefully to see why it was sent and what the IRS is expecting you to do. In the case of IRS corrections or proposed adjustments, you may agree or disagree. If you disagree, you will need to support your position.
By Kevin Hagen | Published 3/12/2008 | Read more »
Overtime must generally be paid to nonexempt employees at time and a half their regular rate of pay. Compensatory time off may be allowed if it is one and a half times the overtime hours worked. Both the federal and state overtime laws must be taken into consideration.
By Kevin Hagen | Published 3/11/2008 | Read more »
You should choose a paid tax preparer based on your particular needs. There are various different types of preparers, with different levels of qualifications and a considerable difference in fees. You should ask the necessary questions and be aware of warning signs.
By Kevin Hagen | Published 3/11/2008 | Read more »
A reverse mortgage is a special type of home loan that enables homeowners age 62 or older to use the equity in their home to obtain funds for any purpose they choose. The loan does not have to be repaid until they no longer occupy the home as their principal residence.
By Kevin Hagen | Published 3/5/2008 | Read more »
Dollar cost averaging consists of investing fixed amounts of money at regular intervals, building your investment position at an average price, and protecting yourself from price volatility. Diversification and the quality of your investments must also be considered.
By Kevin Hagen | Published 3/3/2008 | Read more »
Overtime pay for tipped employees must be calculated as at least one and a half times the regular rate of pay, which must be at least the applicable minimum wage, and not the cash wage, when the employer uses the tip credit.
By Kevin Hagen | Published 2/29/2008 | Read more »
According to federal law, hours worked in excess of 40 hours per week must be paid at time and a half. The calculation of the overtime premium is based on the regular rate of pay, which in addition to normal wages also includes shift pay, bonuses, and other compensation.
By Kevin Hagen | Published 2/28/2008 | Read more »
When you change jobs you could cash out your 401(k), leave it alone, transfer it to your new employer's 401(k), or roll over the balance to an IRA. It is important to understand the tax and other consequences of these different options, in order to make the best decision.
By Kevin Hagen | Published 2/25/2008 | Read more »
If you should have filed a tax return for last year or a prior year but didn't, you should file the return as soon as possible, to claim a refund or pay the tax you owe and avoid the interest that accrues. You can obtain the forms and information you need from the IRS.
By Kevin Hagen | Published 2/22/2008 | Read more »
The design and construction of a green building, or the renovation of an existing building to incorporate green aspects, helps the environment and also generates important advantages for your business in terms of cost savings and greater productivity.
By Kevin Hagen | Published 2/20/2008 | Read more »
When you purchase a home, the costs you have to pay at closing can be significant. It needs to be clear how these costs will be distributed among the buyer, the seller, and the financial institution and you need to take these costs into account in your budget.
By Kevin Hagen | Published 2/19/2008 | Read more »
When you claim a deduction for business use of your home, you can prepare yourself for a potential audit by clearly separating your work area, having your business address at home, keeping a record of all business activities and documenting all your expenses.
By Kevin Hagen | Published 2/19/2008 | Read more »
You need to protect your credit in hard times, and should prepare in advance. Keep close track of your credit card charges and cash expenses to find ways to save. Prepare a strict but realistic budget, and be consistent in paying off as much debt as you can each month.
By Kevin Hagen | Published 2/19/2008 | Read more »
Knowing how to listen is essential in all communications, and when you listen effectively at work and in business you can open yourself up to other people's knowledge, different perspectives, experience, talents, ideas, advice, and suggestions.
By Kevin Hagen | Published 2/18/2008 | Read more »
In preparing the budget you can combine the knowledge of different aspects of your business in order to coordinate all your activities and plan how they can contribute to achieving your business goals. This generates commitment to the budget.
By Kevin Hagen | Published 2/18/2008 | Read more »
There are many ways we can save energy at home, from buying energy-efficient appliances through changing some of our everyday habits. By knowing how to save energy and making a few adjustments, we can save money and reduce our greenhouse gas emissions significantly.
By Kevin Hagen | Published 2/17/2008 | Read more »
401(k) plans allow you to save for retirement with the contributions that are deducted from your paycheck before taxes, thereby reducing your income tax burden. Many employers make matching contributions up to a certain percentage, which is an important benefit.
By Kevin Hagen | Published 2/14/2008 | Read more »
Even when your business is profitable and growing, you could face a lack of liquidity from time to time. By efficiently managing your income and disbursements, using practical methods for collections and payments, you can maintain a positive cash flow.
By Kevin Hagen | Published 2/14/2008 | Read more »
By forecasting all your costs during the start-up and initial operating stage of your small business, you can plan when and how much financing you will need. There are different types of debt financing according to your needs, and you can also consider equity financing.
By Kevin Hagen | Published 2/13/2008 | Read more »
By clearly defining your financing needs and aligning them with your business plan and strategy, and evaluating the capacity of your business to repay, you will be in a good position to obtain financing and properly and efficiently manage your credit.
By Kevin Hagen | Published 2/13/2008 | Read more »
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