Backgammon Rules Learn How To Play Backgammon Irs Levy And Garnishments Debts And Bill Consolidation New Year Home Budgeting

The board game backgammon is one of the most ancient games known to man. It is believed that early variations of the game were played in Ancient Egypt, Mesopotamia and Ancient Rome. Since then, the game has evolved, changed several names and spread to different parts of the world.

It is currently a popular pastime all over the US, East Asia, Europe, and the Middle East.

In order to play backgammon all you need is a partner, two dice and a special backgammon board with checkers. The backgammon board is divided into two sides with each one is the mirror reflection of the other. Each side contains 12 triangles called points numbered from 1 to 24.

Points 1 to 6: Home Board or Inner Board

Points 7 to 12: Outer Board

7 point: Bar Point

13 point: Mid Point

At the starting position of the game, each player has 2 checkers on the 24 point, 3 checkers on the 8 point and 5 on the 13 and 6 point. Each player moves from his home board through the outer board towards the opponent home board.

The object of backgammon, then, is to move your checkers towards your opponent home board and remove them off the board before your opponent moves his checkers towards your home board. The speed of the progress of each move is determined by the outcome of the dice roll.

The backgammon play begins with both players tossing one die. The player whose outcome is the highest, makes the first move using both his and his opponents number. If the outcome of the dice toss is even, the players toss the dice again until an uneven outcome appears. From now on, each player tosses both dice on his turn.

After each toss of dice, you should move your checkers forward the number of steps appears on both dice. You can move either one checker the number of steps summed up by both die or move two checkers. To make it clearer: if the outcome of the dice roll is 5 and 4, you can either move one checker 9 steps forward or move one checker 5 steps forward and then move the other piece 4 steps forward

If the dice rolls a double, which means an even number on both dice, you can move double the number appears on the dice. For example, if you roll double 2, you can move 2 points four times. In that case, you can either move one checker 8 steps forward; move two checkers a total of 4 steps; move two checkers a total of 2 steps each plus a total of 4 steps; move one checker a total of 6 steps plus 2 steps; or move four checkers 2 steps.

You can move a checker to a point where there is another one of your checkers or no more than one checker of your opponent, called blot. When you hit a blot, it is moved to the middle of the board to the part divided between the home board and the outer boards, called the bar.

The checkers placed on the bar are kept out of play until the bar can be entered by a dice roll in the opponent’s home boards. For example, if you roll 2, you can enter a checker to the 23 point and enter the opponents home board and re enter the bar checkers into the game. You cannot move the other checkers unless your entire bar checkers are at your opponents home board.

By the time your checkers are in your home board, you must remove the checkers from the board, to bear off, using a roll of dice. For example, if you roll 1, you can bear off one checker from the 1 point; if you roll 2, you can move a checker form the 2 point, and so on.

If your opponent has not borne off any checkers while you have borne off 15 checkers, you win the gammon. If your opponent has not borne off any checkers and still some of his checkers are placed on the bar, while you have borne off 15 checkers, then you win the backgammon.

Unfortunately to many of us the Internal Revenue Service (IRS) is one branch of government that can never be our friend and is often feared by some less reputable business owners. When the IRS is owed money, they will get it whether you like it or not. For those individuals who owe back taxes, the state or IRS may attempt to collect those owed taxes by wage garnishment through your employer. Once the wage garnishment is filed, the employer is obligated to deduct a certain percentage of each pay check to be handed over directly to the state or IRS until the taxes are fully paid or an agreement has been negotiated to release an individual from the wage garnishment.

The amount of garnished wages that are deducted by the state or by an IRS wage garnishment is based on martial status and the number of dependents. The amount of an individuals income that is exempt from the state or IRS wage garnishments can be figured by adding the standard deduction claimed on taxes and the amount claimed for exemptions and divide that by 52. For example, a family of three will only be allowed to keep about $325 per week.

Wage garnishments can be extremely devastating to individuals and their families. There are a number of tax relief agencies available nationwide where such individuals can turn to for emergency help with wage garnishments. By retaining a tax attorney, you may be able to be released of your wage garnishment or have the garnishment lowered by a percentage. Individuals may also be eligible to have interests and penalties reduced.

Federal income taxes reported uncollected taxes by the IRS in 2004 exceeded over $200 billion and increases to over $400 billion when considering the unreported income and unfiled tax returns. The IRS along with the United States Department of Treasury has demonstrated grave concern over the issues of unfiled tax returns and unreported income, making these issues a top priority.

The IRS has been enforcing its collection activity by over 26% last year alone. This includes about 1.8 million liens, levies, wage garnishments and seizure of personal bank accounts, homes and personal assets. When the IRS was challenged last year by professional tax relief attorney’s, the IRS declared almost 3.90 million penalties null and void. This saved the United States tax payers $3.62 billion.

It’s highly recommended that individuals who wish to be relieved of wage garnishments acquire a professional tax attorney instead of attempting to resolve the issues themselves. Over 85% of offers made by individuals are rejected by the IRS simply because the average person doesn’t understand the process and the forms. Tax attorneys are professionals who understand the complicated forms associated with wage garnishments and who understand how to negotiate the best settlement possible with revenue officers. Retaining a tax attorney can save a great deal of time, money, patience and headache and allow individuals to focus on what’s really important like work and family.

Did you know that there are 44% of Americans who have debt that they can’t pay? A study from conducted by the Federal Reserve shows that outstanding debt in 2007 has remained steady at $2.5 trillion. If we divide this amount to the total population of the United States, that’ equivalent to $8,200 debt for every man or a woman, an adult or a child.

In a recent study conducted before the passing of house bill 2669, it was found that 60% of all college graduates leave college with debt. The main reason for this was said to be the high cost of education. This is a big problem for a lot of students as they haven’t been able to start a life yet but they are already burdened by the complications caused by their decision to continue schooling. The government has already tried to address the issue of education but what remains is the personal capacity of an American to manage his finances.

Everywhere around the world, countries are getting bothered with the number of people who are spending well above their capacities and are thinking of filing for bankruptcy. In the United States, the number of people filing for personal bankruptcy has reached record highs in recent years. This might seem the best solution for most people as it immediately causes lenders to cease their endless calling to collect money but credit counselors believe that it is the worst situation that anyone can find themselves in. When one files for bankruptcy, this affects his long term credit rating and in effect, forfeiting a lot of options that are otherwise available when he was in bad credit.

Creditors already find it bad for business to lend money to people who are credit risks, giving a loan for someone who has nothing to pay you with for a few years is much more unbelievable. Because of this, people who are in a state of bankruptcy find themselves in more trouble and their only hope is aid from the government – something which is not readily available since there are thousands in the same situation.

As such, credit counselors suggest going through the bill consolidation route before anything of impact occurs. Most people can get bill consolidation loans from private companies or from non-profit organizations. Although debt and bill consolidation is the best solution, borrowers need to deal with a few issues so as to effectively minimize their debts. Before you decide to consolidate bills, you need to understand that this strategy is most commonly done by getting secured loans, which offers higher loan amount at lesser interest rates, but are requiring collateral. Most people take out a mortgage on their homes. If you are unable to manage your finances well after the money from the bill consolidation loan is released, you might find yourself in more trouble than you originally started with.

It is a must that you prioritize repayments on essential services such as utility bills. When all is said and done, allot every spare penny to the repayment of your mortgage as you might end up losing your home if you forget to pay the monthly installments.

The pre-Christmas period is the peak time of the year for retail sales, and many department and other stores depend on a successful Christmas for their annual profits. There is another side to that coin: the same period is also the peak time for consumer spending. A surge in consumer spending often means a jump in borrowing to support that spending in the stores.

Even people who might normally be very careful with their finances, may feel some pressure to overspend at and before Christmas. A combination of peer pressure, the desire to please the children and other members of the family, and the sheer desire to have a great Christmas, may tip the normally frugal into being a bit careless with their spending.

An excess of borrowing can mean later problems for those consumers who really do let their finances get out of hand, and every year tens of thousands of people do. For many, the spectre of debt hangs over their Christmas festivities and spoils the party even before they have sat down and fully assessed the damage caused by the pre-Christmas excesses.

Between Christmas and New Year is a good time for home budgeting, looking ahead to the next year and plotting the best route to make it a happy year. When it comes to your finances, and debt in particular, then the last week of the year is a particularly opportunity to plan, and set a home budget.

How To Budget For The Year Ahead

What you have spent over Christmas, whether on credit or out of savings, is a matter of fact. What you already had in outstanding credit and overdue credit, is also a matter of fact. It is important to treat those facts as such, and keep a detached view as you write down your current financial situation. It is all to easy for personal finances to become overbearing because of emotional pressure you may place on yourself.

When planning your budget, start by making a list of all your outstanding debts, who they are owed to, and how much you need to budget each month to keep up with the payments. Always remember that if you fall behind with payments, your financial situation will deteriorate, as costs, penalties and interest charges mount up. As you list your monthly credit payments, use them as the starting point for your monthly outgoings. It is also worthwhile keeping the list of actual amounts owing at the start of the year, and then see if that figure can be reduced by the end of the year. That way you can monitor progress, just as a business would. You want to see your net assets going up, not down, at the end of your budget period.

Next, list out your unavoidable and essential monthly payments in order of importance, with any state and local government payments, such as taxes, at the top. Then will come your mortgage or rent, and other necessities such as electricity, telephone, gas, food and household expenses.

At this stage, work out a sub-total of all the above items, which will be your priority monthly payments. Now is a good time to compare the total you already have with your net monthly income. If they are in balance, then you can make your payments each month, but not have any flexibility or cash for non-essentials and luxuries.

Hopefully, though, you will have a surplus each month which you can use for desirables and for savings to set aside for any unexpected expenses.

You can then add to your monthly budget by listing those desirables you want to spend money on and how much. You should also aim to build in savings to your budget. Bear in mind all the time that if you spend on consumables, your personal assets go down. If you save, they go up.

If your spending has really gone over the top of your capabilities to repay on time, then you need to use the budget plan you have come up with as a starting point for seeking debt counseling, or for consolidating some or all of your debts. The important thing, though, whatever the outcome of your home budget exercise, is to keep calm and detached. Discuss with your partner and family all the steps you need to take to get your home finances in order after an extravagant Christmas, and then do your best to carry through your budget plan, preferably setting aside savings along the way to prepare for an interest free Christmas the following year.

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