Monthly Archives: June 2016

London Speed Dating Events Book now

Book a singles event with the most successful speed dating companies in London. Pick from a wide range of dating sessions for all ages held in hand-picked venues throughout Greater London. You can choose from a wide variety…



Best Go Karts You Can Find!

Hey, everyone! My name is David, and I am a go kart enthusiast. I have been working with go karts for over a decade. People often ask me about what kart to choose, which one would be the best for their kids or for them and so on. So I decided to create this little website, where I reviewed the best karts that I have worked with and are commercially available. So I really hope that you will enjoy my website and that it will help you to pick the right kart for you or your kids. Enjoy –

How Your Family Can Help Avoid The Capital Gains Tax

As we wind down tax season for 2016, numerous American families have faced a heavy tax burden for choosing to sell their investments. More than any other method of taxation, the capital gains tax has the greatest impact on middle-class business people and investors. Capital gains – the money made from selling an asset such as stocks, bonds, property, and precious metals – are frequently taxed at high rates, especially for those with higher incomes. Therefore, the impact of these taxes should always be considered when investing in stocks and other securities. While it may seem smart to make a short-term investment with a higher interest rate rather than a long-term investment with a lower rate, that lower-interest investment may leave more after-tax dollars in your pocket.

Fortunately, there are several ways to avoid some – or even all – of your capital gains tax. Generally, this involves the strategic use of tax-safe investments. Of course, this isn’t a problem for those investing through tax-sheltered retirement accounts, which allow you to buy, sell, and exchange securities without creating any capital gains tax liability. These accounts will continue to grow your investments – free from capital gains tax as long as any money earned from a sale is reinvested in another security. There are, however, plenty of investors with side money invested in the stock market for reasons that have nothing to do with retirement. Many of these American families don’t realize that they could potentially sell their stock investments profitably without owing a single penny in capital gains taxes. This is the only truly voluntary tax, since it’s up to you to determine if and when you realize a gain(within IRS parameters), and thereby incur the resulting tax bill.

The simplest strategy for lowering your capital gains taxes is to avoid short-term investments, since long-term holdings are taxed at a lower rate. Generally, your capital gains tax rate will equal your income tax rate for short-term holdings. To potentially avoid taxes, you must have owned the stocks you’re intending to sell for at least one year. Then, if your household falls under the 10% or 15% tax bracket, you can sell your shares and pay absolutely no taxes whatsoever! In fact, the average married couple earning $75,300 per year could net gains of over $8,000 from the sale of stock without incurring any tax liability. Depending on the deductions they are entitled to, a married couple may be able to earn far more while still avoiding capital gains taxes, since these figures are for income after deductions.

Reduce your taxable income by establishing a health savings account. HSAs allow you to save for future medical expenses, and money in these accounts is tax-exempt when withdrawn for medical purposes. To open an account, several conditions must first be met – including having a qualifying high-deductible health insurance plan, not being on Medicare, and not being a dependent on another individual’s income tax return.


Consider a family of four earning $135,000 before taxes. Four simple deductions are all it takes to cut their taxable income practically in half, to $67,450: their standard deduction of $12,600; exemptions for four family members totaling $12,200; 401(k) contributions of $36,000; and a health savings account deduction of $6,750. This allows them to sell shares of stock on which they have earned as much as $7,850 ($75,300-$67,550) – while keeping all of their investment gains.

If this family were to regularly take advantage of such tax-saving opportunities, the savings could be enormous. If you have stocks in taxable accounts, consider ways that you could harvest capital gains without incurring any tax liability. You may be able to increase your contributions to your 401(k) or 403(b), open up a traditional IRA, or donate to charity. All of these can reduce your taxable income, allowing you to sell your stocks without owing a dime in taxes. Investing a larger percentage of your income in retirement accounts allows you to shelter it from income taxes, since the money you funnel into a retirement account won’t be taxed immediately.

Minimizing your tax burden requires a comprehensive financial analysis by investment professionals. At Werba Rubin, we’re committed to helping you achieve your goals by making the most of your financial resources, and that includes avoiding the expense of unnecessary taxes.

All investments involve risk, including the loss of principal and cannot be guaranteed against loss by a bank, custodian, or any other financial institution. 

The information herein is general in nature and should not be considered insurance, legal or tax advice.  Please consult with an insurance legal or tax professional for additional information on specific situations.    


Food and Beverage Broker

You have a great product, but your sales team is already overwhelmed and you need help getting placement in local and natural supermarkets. Whether you are launching your business or you have only sold direct on-line and need someone with established connections with retailers to help you grow your sales — we can help.


Lifetime fitness guest pass, membership fees, and exlusive deals /discounts

A privately owned company in the U.S. and Canada, Life Time Fitness strives to deliver on its slogan, “The Healthy Way of Life Company,” by offering personalized lifestyle and fitness approaches that encourage long-term health and wellness.

There is a wide variety of options to keep your family at their physical best, such as kids swim programs, personal and group training programs, spas, sports clubs and teams, athletic event programs, and many more.

Simply put, Life Time has a goal of wanting to make sure that they offer the best services to keep the entire family healthy and fit

Crunch Fitness guest pass, membership fees, and exlusive deals / discount

So you want to get fit? Well, you’re not alone. There’s plenty gyms around town, but which is right for you?

Crunch Fitness has gone to great lengths to combine fitness and entertainment together to make sure that they stick to their philosophy of No Judgement.

Programs offered vary from Hip-Hop Aerobics to Co-Ed Wrestling, and even Yoga Cycling. Ultimately, their goal as a gym is to make sure that everyone feels at home when coming to work out!

If you can find a great gym, great prices, great people and a great location, what’s not to love?

Certified Tax & financial planner san jose

Comprehensive financial planning for an individual or couple generally involves tax planning, risk management, investment planning, retirement planning and gift and estate planning. By developing and implementing appropriate strategies to lessen or shift current and future tax liabilities, you can improve your prospects of meeting long- and short-term objectives.