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USA Today

What is The “Tax Ratio Formula”?

"Tax Ratio Formula"

"Saves Retirement Money"
"Without Cutting Into Your take Home Pay?"

Everybody knows that a tax refunds starts with having to much money in payroll taxes taken out of your check each payday right?

"The Tax Ratio Formula" is a simple financial calculation used to calculate what happens when a person gets their payroll tax withholdings adjusted so their only overpaying their taxes by $150.00 and the rest of the money from the overpayment is contributed into their retirement account.

What's interesting to me is explaining to people how this works. Many times it's hard for a person to understand how you can take the same money you're already paying out in the form of a tax overpayment and place it in your retirement account without causing yourself any kind of tax problem.

What makes this so interesting is they know I'm have licenses in good standing to prepare taxes and I'm a licensed life and annuity agent for the past 15 years.

So when I'm setting with a client and I'm explaining how this all works it's still makes me wonder how they could think I would give them bad information and put myself at risk.

What A Tax Refund Really Means

A tax refund is a white hot sign pointing out the fact an over-payment of a tax liability was made and money plus interest was lost needlessly.

Your personal tax preparer and annuity agent can verify my statement if you do not believe me and please tell your friends on Facebook and Google about us after they tell you this is rock solid advice.

Get your personal numbers so you can see how much more money you have available when you apply the formula to your tax refund.

Here's The Formula

First add your tax brackets together state and federal.

Next subtract your total tax percentage (which is your federal and state tax brackets added together) from 100%.

Exp. 100%- 36% = 64%

Next Divide 100 by the amount left over.

Exp. 100 ÷ 64% = 1.56

Multiply 1.56 by the amount of your tax refund. This is the estimated amount you can demand back in your hands.

Exp. $3,500.00 ( Last Years Tax Return amount ) Multiplied by1.56 (Your Tax Ratio)=
$5,460.00 available to go into your retirement plan.

The formula is applied to all your paychecks throughout the year and not at the end of the year. The formula figures out what your payroll tax withholding can be when taken from taxes and placed into a retirement account .

This is an estimate of how much the withholdings can be after being contribute into a retirement account… and before interest is gained or any annuity bonuses are added"

We Can Demand your payroll department to... put your "Payroll Tax Dollars" Into your retirement account.

Why would anyone with a retirement plan not want to learn how to Change their payroll tax withholding into a monthly contribution to their retirement account Especially when...

This money gets contributed while maintaining a persons current take home income, meaning there is no changes to the persons lifestyle or cut backs to the things this person likes to spend money on every month after saving a truck load of cash!

Why would anyone not want to see how to change their "Cash Going Down the Drain" payroll tax withholding to a "Money Rich Stock Pile of Cash" in their retirement account?!

Payroll tax withholdings when contributed into a retirement plan will also increase a persons deductible allowances giving them a tax write-off which lowers their taxable income.

So they pay less taxes every year and have more cash in their hands during the year... why would anyone not want to save money so easily?

Why given the chance would anyone not use the cash to start a retirement plan if they don't have one... and they don't have the extra cash to start saving without this method.

Wouldn't having more retirement money mean even more freedom, financial peace of mind, and security for anyone during retirement?!

For the people interested in removing this tax advantage blind spot...

It's easy to apply the formula... anyone with a retirement plan can use this formula-- you can too and you can see how too today... FREE

We tracked the average money gain of teachers whom attended our on campus seminars then added payroll tax withholding dollars to their 403(b) contribution.

Their average gain rounds off at $3,500.00 additional dollars added to their savings per year / per person.

And it came from their payroll tax overpayments and did not lowering their monthly pay. The same strategy is used with a 401(k) or IRA too.

Why the formula shows an increase to your refund after being applied

Changing your payroll tax withholdings to monthly contribution has a double digit affect on your money.

The formula is nothing more then a fast and simple way too bring this affect to the light so you can see the money you are losing quickly.

Your withholdings when used as a contribution now becomes a tax write-off.

A Dollar-Per-Dollar tax write-off which means you owe less taxes because you have less taxable income as demonstrated in our video that goes with this explanation.

The formula is the ballpark calculation showing the possible additional money you'll gain when the adjustments are made to your W-4 which gives you the extra cash you see in the calculation. And it's part of this extra money which can provide you a raise too.

Are You still Paying Your Payroll Tax Liability Without Any Benefit to Yourself?

It's causing unbelievable devastation to your future interest gains and comfort... Retirement money and retirement lifestyle... And to your financial peace of mind during your retirement years when all the money you have to live on comes from what you have saved.

Remember during retirement you will be living off of the savings you were able to accumulate while you were working. Unless you go back to work after you retire.

Use the results of the tax ratio formula to create a strategy now to save more money now for your peace of mind and financial security latter!

If you're ready to stop making the over-payment we can help.

Fill out the form in the column to your right at the top of this page to watch the video of how wickedly effective the additional dollars are towards your financial comfort during your retirement years, plus you'll receive our special bonus gifts.

Take control your payroll taxes, to increase your retirement nest egg.

Receive interest on your payroll taxes dollars and lower your taxable income, add extra money to your savings and more money for living on during retirement, stop over-paying taxes and use payroll tax dollars to to save money so you do not change your take home pay when you save.

Watch the video

"Utilizing Tax Advantages
To Create Financial Security"

The demonstration we do for teachers on school campuses in California.

Get your Free Complete "Paycheck Analysis" a $125.00 value, which shows you personally the money you have available and how to access it.

--- This is a limited time offer---

Enter your name and Email address below to receive our newsletter, gain access to the video, plus get your FREE Personal Paycheck Analysis.

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Welcome

"Exemptions Tax.com" Is here to serve you.

We believe in paying taxes... moreover; we believe in everyone paying their exact amount of taxes.

Which means... you'll not overpay taxes... we'll make sure you have more money in hand throughout the year... maybe for a long awaited vacation.

We truly strive in giving all our customers more spendable income in hand to use throughout the tax year to pay for living expenses.

You'll love getting every deduction and exemption you're entitled too, along with the friendly caring service you expect.

When your tax return is under our care...

...it's getting over 15 years of tax preparation accuracy... and excellence in finding all of your deductions... earned trust... and rock solid confidentiality... combined experience of more then 120 years... and our special knowledge of insurance and retirement plans which lower your taxable income by thousands of dollars.

This is the way we believe in doing business... which has given peace of mind to our customers throughout these many years.

Filing your return couldn't be much easier for you with office locations in Fresno, Clovis, Madera, Dos Palos, and Merced to walk into, and mail in, fax in, or E-mail in your information if this would be more convenient.

Then pick it up when it's ready or have us mail it back to you, whichever you choose. Our office staff are all state licensed Professionals with flawless records.

Short on cash?

Come in anyway... you can have the payment taken from your income tax return check plus, we also accept personal checks.

Prices are affordable... after all it wouldn't be right for us to take the money we said we were getting for you.

Life Lock

About Dental Insurance

7 Must-See Infographics About Vision Care May 20, 2013
May is Healthy Vision Month, established in 2003 by the National Eye Institute (NEI) to promote the importance of healthy vision in adults. We are all about maintaining good oral hygiene, but maintaining a healthy lifestyle is what it all ties into. In light of the month, we’ve compiled seven infographics from around the web that contain both important and i […]
Dental HyGenie
Is Water Temperature Affecting Your Toothbrush? May 17, 2013
When you brush your teeth, do you ever think about the temperature of the water that you're brushing with? Most people run cold water over their toothbrushes before starting their dental care routines, but some have questioned if hot water may be better. Think about it - when we want to remove dirt and bacteria from our clothes or hands, we usually use […]
Dental HyGenie
8 Myths and Facts about Root Canals May 13, 2013
Let’s face it, going to the dentist for a root canal isn’t anyone’s favorite pastime. But, root canals are an important part of dental care whose long term benefits outweigh the temporary dental phobia of the dentist drill. It’s Root Canal Appreciation Day on Monday, May 13th and to help shed some light on why root canals are something to celebrate, we wante […]
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8 Fun Activities to Promote Family Wellness May 10, 2013
One of the biggest challenges families face nowadays is staying connected. May is Family Wellness Month and we want to help you celebrate by spending more time with those closest to you. To help you do just that, we’ve rounded up eight fun-filled activities that the whole family can enjoy. Visit the Zoo – Get nose to nose with nature by visiting your local […]
Dental HyGenie
5 Snacks You May Not Know Are Harmful May 7, 2013
Now that the summer is almost here, there are sure to be many picnics, barbecues and garden parties that will be filled with fun, friends and food. Unfortunately, some of the staples of summer food can be particularly damaging to your teeth, which is why you should learn what they are now before you snack on them in the coming season. Luckily, most of these […]
Dental HyGenie
Pin it to Win it for Mom this Mother's Day! May 6, 2013
Looking for a gift to make mom’s smile a little brighter this Mother’s Day? DentalPlans.com has teamed up with Dentist.net to make SIX lucky moms smile this Mother’s Day. From May 5th – 12th, Facebook fans that sign up on our Mother’s Day Pin it to Win it contest will be entered in a drawing for a chance to win 1 of 19 great prizes from Dentist.net. Plus, on […]
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Sweet Tooth: Chocolate Kiwi Popsicles May 3, 2013
With summer just around the corner, we’re all looking for new and delicious ways to keep cool as the temperature goes up. Lemonade and popsicles will become routine, so we found a recipe for Chocolate Kiwi Popsicles from Showfood Chef that is a healthy way to cool down and the kids will love it! Ingredients kiwi(s) 1 cup chopped dark chocolate ½ cup coconut […]
Dental HyGenie
5 Gifts to Make Mom Smile this Mother's Day May 1, 2013
Are you trying to figure out what do for the important women in your life to celebrate Mother's Day? Every mom deserves to be spoiled on her special day, and we’re here to help you by letting you in on the top 5 beauty treatments for mom. Spa Day (Massage/Facial) – What better way to let moms relax than pampering them with a trip to the spa? You can buy […]
Dental HyGenie
Dental Office Manager of the Month: May 2013 April 30, 2013
May’s “Dental Office Manager of the Month” is Jayna from Dr. Vincent Faso’s office in West Palm Beach, FL. Here are Jayna’s thoughts on being a dental office manager and marketing Dental Savings Plans to patients. What do you enjoy about being a dental office manager? I love my job because I get to speak to and help all our patients before anyone else. I am […]
Dental HyGenie
Dentist of the Month: May 2013 April 30, 2013
Our “Dentist of the Month” will be answering five questions straight from dental patients and DentalPlans.com Members. This month, Dr. Vincent Faso who provides dental care for families in West Pam Beach, FL, will be answering your important dental health questions! How can I improve my dental health? You can improve your dental health by maintaining a healt […]
Dental HyGenie
DentalPlans.com Celebrates Take Your Child To Work Day April 29, 2013
DentalPlans.com celebrated Take Your Child To Work Day on Thursday, April 11th, welcoming its employees’ kids to tour the office and see what their parents did at work. Children explored each department and learned a little about how each department works. They sat in the call center and listened to calls, utilized the break room to its fullest potential, cr […]
Dental HyGenie
Don't Strike Out with Dental Care this Baseball Season April 24, 2013
With baseball season gearing up, your kids should be, too! It’s important to buy protective gear, such as helmets, knee pads and mouthguards for your child while he or she is playing sports. Some of the most common injuries associated with youth sports include oral injuries such as broken jaws and tooth loss. According to the National Youth Sports Safety Fou […]
Dental HyGenie
Year in the Life of Savings: May 2013 April 23, 2013
I’m probably one of the biggest fans of DentalPlans.com. Sometimes something seemingly “too good to be true” is really true! DentalPlans.com saved me a whopping $2,341.00 in 2012! I changed dentists and found out I needed a LOT of dental work. Besides the initial examination, x-rays, and cleaning, I needed two extractions and three crowns by a dentist, an ev […]
Dental HyGenie
Oral, Head & Neck Cancer Awareness Week April 19, 2013
Did you know that head and neck cancer represents the sixth most common form of cancer in the U.S.? According to the American Cancer Society, there are more than 50,000 cases diagnosed annually and over 12,000 deaths. But, over 70% of Americans say they have not been examined by a medical professional for oral, head and neck cancer. Oral, Head and Neck Cance […]
Dental HyGenie
Oral Hygiene Tips for Oral Health Month from DentalPlans.com April 17, 2013
Did you know that April is National Oral Health Month? Maintaining good oral hygiene is one of the most important things you can do for your teeth and gums. Healthy teeth not only enable you to look and feel good, they make it possible to speak properly, eat, and are a key indicator of overall health. According to the Kaiser Family Foundation, tooth decay is […]
Dental HyGenie
Ultimate Smile Makeover Contest Winners April 15, 2013
Congratulations to our Ultimate Smile Makeover winners! Over the last 10 weeks DentalPlans.com has received over 630 entries from 47 different states and gave away 10 free Discount Dental Plans. This past week DentalPlans.com judges awarded 26-year-old Stephanie Feld from Freeport, IL, the grand prize of a $5,000 smile makeover. Below is Stephanie’s winning […]
Dental HyGenie
Dentists Offering Free Dental Care April 11, 2013
Did you know a third of Americans are currently living without dental insurance? This unspoken dental care crisis has led many dentists such as Dr. Jameson Baumgarten of Danville, IL, to offer free dentistry services to needy patients as part of Free Dentistry Day this month. Without events like Free Dentistry Day, dental care simply isn't an option for […]
Dental HyGenie
Does Dental Care Help Blood Pressure? April 9, 2013
World Health Day has already passed, but that doesn't mean you can't practice healthy habits now to honor it. The theme of this year's day was to spread awareness about high blood pressure. Recently, the Connecticut State Dental Association pointed out that one thing you can do to help control your blood pressure is visit a dental health profe […]
Dental HyGenie
Spring Cleaning: 10 Uses for Old Toothbrushes April 4, 2013
Did you know that toothbrushes can do more than just clean your teeth? Even though the American Dental Association recommends that you replace your toothbrush every three months, there are still other ways to make your old toothbrush useful. To help you keep up with your spring cleaning, here are 10 ways to reuse your old toothbrush: Use the toothbrush in yo […]
Dental HyGenie
Effects of Dental Care on Education April 2, 2013
Is your child not doing well in school? Parents usually turn to tutors or computer programs designed to improve classroom performance- but have you checked their teeth? A study published in the American Journal of Public Health in 2012 found that poor oral health, dental disease and tooth pain can all affect how a child does in school, adding academic perfor […]
Dental HyGenie

Insurance RSS News

Insurers Set Up in Areas of Oklahoma Hit by Tornadoes
NewsOK (05/20/2013) Palmer, Jennifer; et al.Oklahoma Insurance Commissioner John Doak issued an emergency declaration Monday following the tornadoes on May 19-20, which allowed out-of-state insurance appraisers to address claims more quickly. Doak was in Shawnee Monday morning with other state and local officials, assessing the damage, and a department offic […]
Texas Brine Says Insurers Holding Up Settlement Offers
Baton Rouge Advocate (LA) (05/20/13) Mitchell, David J.Salt mining operator Texas Brine says its settlement process for a sinkhole accident in Louisiana is being delayed by its insurance carriers. Litigation filed against the company reveals that the firm's insurers are Zurich American Insurance Co., American Guarantee and Liability Insurance Co., and A […]
Wilmington Man Accused of Insurance Fraud
Wilmington Star-News (NC) (05/20/13) Drabold, WillSinclair Auvant Parker has been accused by North Carolina officials of trying to steal more than $19,000 through fraudulent insurance claims. Parker was arrested on May 17 on one count of insurance fraud and four counts of attempting to obtain or obtaining property under false pretense, according to a North C […]
Traffic Ticket Insurance: Scam or Safeguard
KOBTV-4 (05/20/13) Galus, JillAn online company based in Las Vegas is advertising traffic ticket protection with plans costing $50 to $200 per year. A company representative stresses that it is not an insurance company, and when consumers provide proof of a traffic ticket, the company sends the money directly to the consumer, who pays the ticket. However, th […]
Commissioner Engages Federal Policymakers - Protecting Consumers and Bolstering Markets are Priority Topics
Delaware Department of Insurance (05/20/13)Delaware Insurance Commissioner Karen Weldin Stewart met last week with members of her congressional delegation to discuss insurance issues affecting the Delaware residents. Stewart joined insurance regulators from more than 35 states and territories in Washington, D.C., to meet with representatives from various fed […]
NYC Tops List of Cities With Most Questionable Claims: NICB
Insurance Journal (05/20/13)The National Insurance Crime Bureau reports that New York City ranks first among cities for the highest number of questionable insurance claims, with 13,564 such claims found between 2010 and 2012. Rounding out the top five cities for questionable claims during that period are Los Angeles (7,779), Miami (5,503), Houston (5,464), a […]
White House Urges Senate to Cut Crop Insurance in Farm Bill
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Illinois Considers Stricter Liability Insurance Requirements
CBS St. Louis (05/20/2013)Illinois state Rep. Laura Fine (D-Glenview) has proposed legislation that would rate minimum liability coverage for car insurance, which has stood at $20,000 for bodily injury and $15,000 for property damage for more than two decades. Under S.B. 1898 -- which has passed the House Judiciary Committee -- minimum required coverage for […]
Op-Ed: Long Term Care Is Likely the Future Reality for Babyboomers
Digital Journal (05/20/13) Farrell, JonathanMuch of existing regulation on Long Term Care (LTC) insurance centers on how LTC is administered and the quality of the LTC. With movements for health care reform, however, it is uncertain how LTC insurance will structure itself to meet the growing demand over the next few decades. Many in the insurance profession […]
Role of Health-Law 'Navigators' Under Fire
Wall Street Journal (05/21/13) P. A4 Radnofsky, LouiseLawmakers are concerned about federal plans to hire large numbers of "patient navigators" to assist Americans as they sign up for new health-insurance options available this fall. Some view the navigators as competing with insurance brokers and are concerned whether they will be sufficiently kno […]
Latest Health Hurdle: Buying Insurance Without a Bank Account
National Public Radio (05/20/13) Varney, SarahAmericans who do not have a traditional checking or savings account may find it challenging to obtain health coverage as required under the federal health law. Most health insurance plans accept a credit card for the first month's premium payment and subsequently require customers to pay monthly payments wit […]
Overruns Forcing Lower Payments to Some Providers in Stopgap Health Program
New York Times (05/20/13) Pear, RobertThe White House said Monday it is reducing payments to doctors and hospitals after finding that cost overruns are threatening to use up the funds available in a health program for people with cancer, heart disease, and other serious illnesses. The Obama administration had predicted that as many as 400,000 people would en […]
NYC Building Owners Fear Lack of Terror Insurance When TRIA Expires
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Car-Tracking Devices Could Lower Insurance Rates for Alberta Drivers
Calgary Herald (Canada) (05/21/13) Nelson, ChrisThe Canadian province of Alberta is testing whether technology that lets drivers and insurers see how well motorists are behaving -- called telematics -- should be green-lighted. Such technology is already in place in Quebec, and insurers believe all other provinces will follow suit eventually. An official from […]

Day Trader RSS News Feeds

Five Stocks That Made Big Gains this Week May 18, 2013
Ho-hum, another record-setting week for the stock market. U.S. stocks continued their six-month climb into uncharted waters this week. The S&P 500 advanced another 2%, closing above […]
What is the Stock Market's Achilles Heel? - Weekend Wisdom May 17, 2013
You have seen the headlines - stocks are at all-time highs. Reasonable people can disagree over what matters more to the stock market, but no one can deny the centrality of earnings to stocks. […]
The T3 Weekly Recap: Strong May Market Flipping Old Trading Adage on Its Head May 17, 2013
The old trading adage "sell in May and go away" is being flipped on its head this month, and the rally shows no signs of abating. Many traders sit on the sidelines on options expiration […]
CFO at Duke Realty Resigns, Joins JLL - Analyst Blog May 17, 2013
The office and industrial real estate investment trust (REIT) - Duke Realty Corporation ( DRE ) - announced the decision of its Chief Financial Officer (CFO), Christie B. Kelly to quit her […]
Pitney to Divest Management Biz - Analyst Blog May 17, 2013
Recently Pitney Bowes Inc. ( PBI ) announced its plan to sell the management services business wing in the United Kingdom and Republic of Ireland to Swiss Post Solutions. Swiss Post […]
Strange Business: Communists Protest Outside Barbie's Dreamhouse May 17, 2013
Storming the Pink Palace A topless protester with the words "Life in plastic is not fantastic" written across her chest greeted families visiting the Barbie Dreamhouse attraction […]
Balanced View on Valspar - Analyst Blog May 17, 2013
We have reaffirmed our Neutral recommendation on paints and coatings maker Valspar Corp. ( VAL ) following its mixed second-quarter fiscal 2013 results. While we are encouraged by the […]
RadioShack Expands DIY Portfolio - Analyst Blog May 17, 2013
Struggling consumer electronics speciality retailer, RadioShack Corp. ( RSH ) extended its partnership with Maker Media, which will expand its Do it Yourself (DIY) product base. Notably, […]
Couple of Contracts for FLIR - Analyst Blog May 17, 2013
Recently, FLIR Systems Inc. ( FLIR ) was awarded a contract to support the U.S. Coast Guard for the Coast Guard's Electro-Optical Sensor System configuration of FLIR's commercially […]
Bangladesh, Cheap Production, and Worker Safety: The Cost of Externalities May 17, 2013
The online petitions are multiplying as consumers worldwide react with shock and horror to last month's deaths of more than 1,100 garment workers in Bangladesh toiling in conditions that might […]

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