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CEO and investor. Father. Husband. 6x founder > 5x exit. Supporter of child & education-based businesses. Lover of animals & great coffee.Imparting education and training in information technology is my passion and my unwavering conviction and commitment with content curation helped me bring the current programs to students.I build software & communities and can help you with both. I founded @jnamic. I organize @BerlinHacknTell and @berlingtug. Member of @cbaseUX Designer, Developer, Entrepreneur w/ passion for making products that change the world. Skills include Node.JS/Express.JS/Socket.IO, JavaScript/CoffeeScript, AngularJS, ReactJS, MySQL/MongoDB, HTML/Jade/Handlebars, CSS3/Sass/Less/Stylus and more


Mold Cleanup Toronto - Get Rid Of Mold

2 min read

Mold can grow on any surface inside your house. It can affect different areas. You can usually tell by discoloration; the mold can be black, white, green, blue, or red. There are over 100,000 types of mold which includes Allergenic, Pathogenic & Toxigenic Molds . Toronto is one of the most infected cities in Canada when it comes to mold growth. This makes mold removal in toronto an urgent issueto be looked into and it becomes mandatory to Hire the best mold removal toronto If you suspect that your home or business has a mold problem, The Ultimate Mold Crew Professionals can inspect and assess your property

Why mold is dangerous?

Mold releases microscopic spores in the air and these spores can be inhaled by lungs. Once the spores enter the body, they start causing fungal infection, itchy and watery eyes, runny rose, sore throat etc. Many long-term effects are also linked with mold growth as bronchitis, asthma etc.

Household molds cause illness but the prognosis is slow as when one is confusing allergic reaction because of mold spores, they might neglect the long-term effects and might suffer from toxic mold causing major illness. People with weak immune system can be from any age group elderly, children, toddlers or infants if inhale the spores this can also be life threatening for them. As according to the U.S. Federal Emergency Management Agency, or FEMA infants are most sensitive to all kinds of mold and in most of the cases if exposed to the spores can suffer long term serious illnesses.

Some mold generates MVOCs also known as “microbial volatile organic compounds” which are formed in result to fungal metabolism which make people ill especially children and infants. These compounds are discharged into the air, directly and are known to cause several respiratory problems and other illnesses.



What is a Merchant Cash Advance?

1 min read


Merchant cash advances have been gaining in popularity as an alternative lending source to small business as credit remains tight. Merchant cash advance help business owner's open doors for better  types of funding opportunities. The business cash advance industry is climbing at a continuous rate. This ever increasing growth is because traditional bank loans are not meeting the demands of small business owners.


How to recover withheld Taxes ? - Levy By IRS

5 min read

A levy is defined as “an imposing or collecting, as of a tax, by authority or force, the amount owed or collected.” Garnishments and levies are the legal action taken by the creditors to seize the personal property of the debtor.  In common levy is always imposed upon your financial accounts and personal properties, but garnishments apply to your wages.

What is levy?

When creditor enacts a levy against you, it means that the creditor freezes your financial account and then recovers money through that account to cover your debt.  Then creditor will take any amount (money) you submit in the account till the credit is cleared.(until the debt is paid off in full).

Usually Levies come from the government departments such as IRS, Department of Education, or any other revenue collecting federal agency.

Private creditors, for example credit card companies may sometimes executive a levy in case of non-payment of funds and at the same time they come to know about your active account in which money may exist.  However the private creditor needs permission of the law (orders of the court) before it can attack your bank account.  This means you will receive prior notice (information) of an impending levy so to remove the funds from the account beforehand.

A levy is a legal attack on your property to cover a tax debt.  A lien is quite different from levy, a lien is a claim used as security for the tax debt.  If you fail to pay your taxes within the time limit the IRS may seize and sell any type of personal or real property in which you are interested in. For example


  • IRS could seize and sell property which you own your personal belongings (such as your car, own house or any other usable assets like boat).
  • They could levy payable amounts, that is kept by someone else, or about to pay you or give you such as your wages, retirement accounts, dividends, back accounts, rental income, licenses, the cash value of your insurance policies or commissions and amount receivables.

The IRS generally levy only after three basic requirements are met:


  • Firstly IRS assessed the tax and sent you a Notice and Demand for payment.
  • You ignored or say no to pay the tax.
  • IRS sent you a Final Notice of intention to Levy and Notice of Your Right to A Hearing (levy notice) delivered at least 30 days before the levy.  IRS may give you notice in person, or leave it at your home or your place of work (business) or also send it to your certified mailing address (registered).
  • Please note: If we levy your state tax refund, you may receive a Notice of Levy on you state Tax Refund, Notice of your right to hearing after the levy.

If a levy upon your wages, bank account or other properties are causing you a hardship, you should call IRS department telephone number on the levy or correspondence immediately and describe your financial crises (status).  Service is available from 8 a.m. to 8 p.m. from Monday to Friday.

If IRS came to know that levy is creating an immediate economic hardship to you, the levy may be released.  But it does not mean that you are exempt from paying the taxes (balance).  The IRS will work with you to reach (establish) payment plans such as to set the monthly installments till the tax is to be paid. 

You may ask an IRS Tax Attorney  to evaluate your case, or you may demand a Collection Due procedure hearing with the Office of Appeals by filing a request for the Collection Due Process trial with the IRS office written on your notice.  You may file your appeal within 30 days of the time on your notice.  Some of the issues you may discuss include:


  • If you paid all your taxes before the levy notice.
  • If you were in bankruptcy, we assessed the tax and sent the levy notice and subject to the auto stay during bankruptcy
  • We made a procedural error in an assessment.
  • If the time due for paying the taxes expired before we sent the levy notice.
  • You have provided with no opportunity to dispute the assessed liability.
  • You desire to discuss the collection options.
  • You desire to make a spousal defense.

At the end of your hearing, the office of Appeals will issue a determination notice.  You will have 30 days after the determination date to bring a suit to contest the determination.  If in case your property is levied or seized, contact the employee who took the action.  You may ask manager to review your case.  If the matter is still unsolved the manager can explain your rights to appeal to the Office of Appeals.

Levying Your Wages, Your Bank Account, Federal Payments, State Refunds.

If we levy your wages, like salary, federal payments or state refunds, the levy will end when:

  • The levy  is released,
    You pay your tax debt, or
    The time terminates for legally collecting the tax.

If we levy your bank account, your bank account must hold funds you have to deposit, up to the amount you owe, for 21 days.  This holding period allows time to resolve any issues about account ownership. After the period of 21 days the bank must send the money plus interest, if it applies to the IRS.  To discuss your case, call the IRS employee whose name is shown on the Notice of Levy. 



3 min read


It's starting to feel like tax time. It's actually Christmas in July for a great deal of our customers who come to us to verify we are getting them the most measure of findings and the greatest discount conceivable. End of Financial Year is a couple of months away and NOW is the ideal time to begin planning. A couple of basic changes could mean a great deal more cash in your pocket in July! As the assessment standards are continually changing these tips depend on the 1025 expense form.

1. Delay pay: While this may not generally be feasible for individuals with representative pay, if there is the chance to have the capacity to get pay in July 2015, as opposed to June 2015, you won't need to be paying the expense on this pay for an entire year. Some of our customers have surveyed their term store development dates to fall into the accompanying Financial Year or hold off on invoicing until after June. Another customer of mine acknowledged a retirement pay out on the 28th June 2014. As they were resigning their pay lessened impressively in the 2015 Financial Year and in the event that they had held up 3 days to acknowledge the retirement bundle they could have spared about $20,000 in duty.

2. Philanthropy Donations: Donating to philanthropies is a fabulous approach to have the capacity to benefit something for a reason you need to help furthermore get a tax cut in the meantime. So if there are foundations you need to give to or a companion that is raising cash for a philanthropy, considering giving sooner as opposed to holding up until after June. Presently's likewise an immaculate time to sort out a philanthropy occasion and notice the tax reductions of giving at this point!

3. Logbook: If you are reliably out and about for your occupation, think about keeping as a logbook when you can for 12 weeks. I have customers that are in deals, are carers or tragedies that convey massive apparatuses. They do a ton of a heading out from their ordinary work environment to better places consistently. Subsequently, they're guaranteeing a great many dollars of auto costs, for example, fuel, enrollment, protection, premium, administrations, repairs and devaluation.

4. Venture Property Repairs & Maintenance: A cheerful occupant is an upbeat property proprietor. For those with venture properties, there dependably appear to be seemingly insignificant details that should be documented to keep the occupants glad. Considering repairing the repairs and upkeep issues before the End of Financial Year to exploit recovering the expense on this as fast as could reasonably be expected.

5. Capital Gains Tax: It's a region that a great many people don't see, yet it's great to have an essential information of Capital Gains Tax on the off chance that you are a financial specialist. This could be a property speculation or shares. Arriving at the end of the Financial Year in the event that you are considering offloading a speculation that has capital misfortunes, now's the time. Then again, in the event that you are contemplating offering a speculation that has made a benefit and has capital increases hold up until July.


Investment Loan Calculator

3 min read

Investment Loan Calculator

Investment loans are very much similar to various categories of home loans. You can choose from fixed and variable interest rates. There are mainly two types of loans for investors- Line of credit loans and interest only loans. The repayment will be combined with the interest owned by the principal amount borrowed by you.   


Line of Credit  

By using a line of credit method, you will be able to know the equity built up in a particular property. It is a deposit for the investment made on property. A line of credit enables you to withdraw a fixed amount to pay for anything you wish for. It can be considered as similar to credit card but with a huge limit.   


Loan amount: - It is an amount that you will borrow for the Investment purpose. It can be the amount of your investment if you don’t hold your own money to the Investment.

Loan Term: - This will indicate the time period to repay the loan.

Loan Interest rate: - This is the rate of interest will be charged on total amount of loan. This is calculated as monthly interest rate.           


How the Investment Loan Calculator works?

The investment Loan Calculator will help you to determine principal loan amount, the monthly payment amount, and the percentage of interest rate for an Investment loan. The monthly amount payable by you for the loan interest can be similar as the traditional investment plan. The additional costs can also be similar with a traditional investment plan.


Principal Loan Amount

The larger amount will be invested rather than small series of contributions over the period of time. It permits larger investment to develop and results in the generation of a huge long -term return.     


How can you use the Investment Loan Calculator?

You can use the Investment Loan Calculator to calculate Principal or Percentage Interest Rate and Monthly Payment. You have to fill the other two variables and then click ‘Calculate’. For example, to calculate Your Principal Interest Rate, choose principal interest rate. Fill your particulars at appropriate place and then click ‘Calculate’ to get your principal Interest rate.    

Respurces :-


Difference between Merchant Cash Advances and Business Loans

4 min read

To develop and arrive at the new heights of triumph, there are myriad ways that a small business owner can get hold of the essential money needed. From advances and fundings to angel investment and peer-to-peer providing can be used to finance a big business. There are two alternatives, merchant loans and business advances, which are accessible to business visionaries sounds proportional, but in actuality, they are very unique in relation to one another!

Both merchant cash advances and business loans empower entrepreneurs to get the money they have to buy gear, contract staff, purchase stock, and so on. On the other hand, there are qualifications between these two funding alternatives. So, if you guys are not in a hurry, let’s take a closer look at both the options to know better.


What Is a Merchant Cash Advance?

Giving a forthright cash in return for a part of future charge card deals for organizations is known as a merchant loan. For organizations which are having large number of sales, but are kicking up with less or awful credit, a merchant cash advance may be a plausible option for getting funds.

Key element: It is stuffed as an offer of future income to be gained through withdrawal and Visa dealings. Therefore, merchant cash loan organizations often collaborate with card handling organizations to keep down a rate of offers income.

Since these are not in fact advances, the agreements are ordinarily organized to gather a percent of monthly credit and debit card deals.


What Is a Business Loan?

A business advance is like an individual credit, however, it is for business utilize just. Some business credit suppliers offer access to transient account, ordinarily for not as much as a year. Others will be more than a more drawn out period of time, but will permit you to acquire bigger totals of cash.

There are numerous driving online suppliers of working capital to small organizations. The majority of the companies needs a monetary enlarge sooner or later in their life, either to make them start or give them the chance to grow. Your circumstances will figure out which sort of account is best for your business – for instance, organizations with a lot of unpaid receipts will be impeccably suited for receiving funding.

Key element: Funds can be achieved quickly. Truth be told, the procedure normally takes just minutes. Stores are exchanged straightforwardly to a business' record with the goal that cash is accessible immediately. There are no sign up expenses and no expenses until cash is really taken from a business' record. These credits offer advances that range from $500 to $100,000.

A developing number of loan specialists are putting forth financing for organizations in today's business sector – everything from option moneylenders to the high road banks. The sum that you have to get will have any kind of effect between which loan specialists will offer you fund, as will your businesses monetary assessment and so on.

Merchant Cash Advances Vs. Business Loans

Regardless of the span of your business, fund gives prompt access to money with no research material, no holding up, and no guarantee prerequisites. While a couple of trader loan organizations do process applications rapidly, the whole process may take a couple of days. For a few organizations, the distinction in getting the cash they require in minutes versus days can create or crack their fortunes.

The second contrast is the manner by which they are reimbursed. Business advances are reimbursed in monthly installments on a pre-decided sum. Though, Merchant loans are paid back in rates of Visa deals. For instance, if a business takes a $10,000 Merchant cash loan, the first month's reimbursement could be 10% of their deals. If during the first month, the business makes 20,000 in deals, then $2000 would be deducted naturally through the exchange preparing administration. If deals are less, the deducted sum would be less. Higher deals would mean a higher sum would be taken. Business credit is paid in six equivalent month to month exchanges. The advance can, likewise, be paid back right on time with no extra expenses. Furthermore, if you pay back right on time, you are not charged any extra expenses for the remaining months.

And last but not the least, the greatest contrast between business advance and Merchant cash advance are the proportionate APR entrepreneurs will pay for their business advance. Merchant cash advance regularly don't distribute their advantage rates and base them in the borrower's FICO assessment. That said, what might as well be called the payback could be more than 38%.