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Submitted by: Robert Ing

Hardly a day goes by when you don t hear about a computer virus in the news or from someone you know. As a matter of fact, there are well over 8,000 active computer viruses in the world in any given twenty-four period and 5 new viruses are introduced daily. The majority of computers will catch a virus through an e-mail attachment or link. Most viruses will use an infected computers address book to distribute themselves, so you are much more likely to receive a virus from someone you know rather than a total stranger.

However, the best way to identify whether or not any attachment could be a potential virus hazard is by looking at the extension (suffix) of the attached file. Hazardous file attachments are .pif, .exe, .com, .vbs, .bat, .bin, .dot, .reg, .js, .scr, .xlm and .dll. While this list is by no means exhaustive these are the definite ones to be on-guard for. In case you re wondering, catching a virus by file sharing is the second most popular way to get infected. File sharing whether you use removable disks, CDs, DVDs, memory cards/sticks or even synch cables can make your never connected to the Internet computer, vulnerable to catching a virus.

Protecting your computer from a computer virus infection is relatively easy if you follow these simple steps:

1. Put anti-virus software on all your computers whether they are Internet connected or not.

[youtube]http://www.youtube.com/watch?v=QfWTIlhWZUw[/youtube]

2. Don t open or download file attachments (attached files) in your e-mails. Especially the ones with the extensions .pif, .exe, .com, .vbs, .bat, .bin, .dot, .reg, .js, .scr, .xlm and .dll.

3. Don t click on links in the body of your e-mails.

4. Don t download software from web sites that you do not know.

5. Never install software on your computer unless you know where it came from.

6. Run a manual anti-virus scan for every 24 hours you use your computer.

7. Be sure that your anti-virus software is up-to-date. All anti-virus software products usually provide updates every 2 4 weeks and this service is free of charge to registered users for up to a year.

8. Received an e-mail from someone you know but didn t expect them to send you a file attachment? Call the person first, before downloading or opening the file attachment to confirm that it really came from them. Some virus programs are very good at making it look like they are just files sent to you from someone in yours or your friends e-mail address book.

9. Put firewall software on all your computers that are temporarily or permanently connected to the Internet.

If you follow these simple steps you should be able to stop a virus before it infects your computer.

Copyright 2005-2006 Dr. Robert Ing, www.drroberting.com

About the Author: Dr. Robert Ing is a forensic intelligence specialist and has appeared on North American news networks on the issues of technology crime, computer security, privacy and identity theft. For more articles by Dr. Robert Ing please visit

drroberting.com

Source:

isnare.com

Permanent Link:

isnare.com/?aid=10742&ca=Computers+and+Technology

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Plastic Surgeon – Choosing a Top Qualified Physician

by

Alfred Ardis

Whether you need surgery to meet reconstructive or cosmetic needs, it pays to find the right clinic for you. Deciding on a plastic surgeon can take some time in terms of seeking out recommendations and then doing research on ideal facilities and physicians, but seeing as the procedures cater entirely towards results of physical appearance, making the best choice the first time around is the ultimate goal. If you would care to know how to measure the standards of a quality office as compared to another, then read on for advice.

To seek out an ideal doctor to help you achieve the look you need, definitely begin your search by asking around amongst those you know who have gone under treatment. If you do not happen to know of anyone, then start by looking into the physicians that work in your area. You should jot down all the contact information for these places and then proceed to phoning them all one at a time.

[youtube]http://www.youtube.com/watch?v=VPl5NCoYbf0[/youtube]

You will want to ask about the qualifications of each plastic surgeon upon speaking with a representative. In addition, make sure that the person you may potentially be receiving treatment from is well experienced in the type of procedure you are seeking. You should ask as much about the type of surgery you need to get a good idea of what you will be enduring before, during, and after the operation is complete. For instance, if you are seeking a breast lift or augmentation, you may want to find out about transportation to and from the clinic, what types of food or medications may affect anesthesia, and how long you will need to recuperate before you can return to work.

If by now you have narrowed down your list of ideal candidates for the procedure, it will be time to do some background research on the history of the clinic. Find out if there is any history of malpractice. On top of this, ask a representative of the office for some references of past patients. Any quality facility should be more than happy to provide this information.

Ask for options in terms of how a certain surgery may be performed. See if there are alternative options for anesthetics or methods of operation that may be more suited to your needs. Having the luxury of choice when undergoing a potentially serious treatment can make a big difference. Also, confirm that the physician whose name is associated with the clinic and not an intern or someone in training will in fact operate you on.

After doing a little detective research, you will locate the best plastic surgeon for what you need done. This is not a stage that should be ignored or taken lightly. You are going to be putting yourself through a potentially costly ordeal that will yield permanent results. Do the right thing and carefully select the best physician for the job and will not regret it.

An

Alexandria VA plastic surgeon

can help bring your looks to the next level. To learn more about hiring one please see the following:

bellacosmeticsurgery.com/

.

Article Source:

ArticleRich.com

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Pc Restore Service – Reality Sheet

by

Rebecca Malloy To truly conserve yourself

some money, pay for everything in money. Cash does not bounce, and when it is in your wallet, you usually know how a lot cash you have. Conserve your self journeys to the ATM though, as charges can eat up your cash. Instead, get cash back again at shops.

Have you at any time tried online banking? Most banking institutions provide an on-line banking services for totally free. You should signal up for this services: you will be in a position to manage your accounts at home. Most on-line banking services let you pay bills, transfer cash and keep monitor of the money coming in and out of your accounts. A couple of months in the past, 1 of my family members — who is by no means a “computer individual” — spent nearly a thousand dollars on a new Computer. She produced some good decisions . she opted for tried-and-accurate Windows XP instead of the new and unstable Windows Vista, and she purchased from a local computer seller rather of heading to a big-box store or mail-purchasing on-line. But this doesn’t alter the fact that she spent nearly a thousand ECU Hardware book

testing bucks, on a Pc tower with dual CPUs, three GBs of RAM and a two hundred+ GB hard drive . to verify e-mail, surf the internet and write up some Microsoft Office documents.

[youtube]http://www.youtube.com/watch?v=UPGHjf2GqMQ[/youtube]

Gauge has been controlled by electrical gadget via bottons, then, there are a digital panel in the front. You can enter the data to use them, of program, you also can modify them by hand if you want much more correct aim. Hello! Ever hear of the constructed in search option in all home windows variations? Besides, what can one probably lose in that small plastic box recognized as a computer that cannot be discovered unless of course the hard generate disintegrates? In which situation neither an oline computer ecu test Bench nor Microsoft can’t help you anyway. Inconvenience can be

experienced when concurrently charging the telephone and composing a message. The charger port is situated on the bottom right hand side of the phone that obstructs the fingers. It will need getting utilized to the ecu hardware when composing a concept.

How many occasions have you noticed individuals reading a daily newspaper standing in the teach along their way to the office? Nicely, in the electronic globe that is the cliche. Amazon’s Kindle has revolutionized the entire idea. Now you automotive electronics can accessibility the every day news paper or study your novel on an electronic gadget which is very skinny, mild and easy to have about. Kindle two is a modified edition of the authentic Kindle with all flaws corrected. Does anybody else treatment enough about consumer experience? About the really feel and fit and finish of a item, and not just how cheap it is and how many “features” it has? I don’t know. Here’s hoping we find out! And right here’s hoping that someone makes a Google iPad. Continuing the variation on

the theme; type your query into Google. However, do be certain not rely ECU Circuits on the first results that arrive up. Companies and web sites pay people to actively market their content, and optimize the display of their webpages in lookup engines. By drilling down into later on webpages, you will be able to access previous conversations, exactly where individuals have currently skilled the same issues.

Because of this, computer manufacturers ECU Hardware book

tester try to “outdo” every other by cramming much more powerful elements into each box, and dropping the cost down as much as possible. But the shops attempt to upsell you on purchasing their most powerful (and expensive) computer systems, because there’s a larger markup on those. So if you just walk into a Very repair

ECU Hardware book

best Buy and ask the salesperson what’s best, you may walk out with way too much pc.

This is the very query to the

solution 1 of my buddies introduced up during our discussion about credit repair. I’m ECU Failures not sure any of you are aware of Cornerstone Prosperity and the proprietor John Ashley who began the business when he was a teenager. He supplied a service to assist people restore their credit score and is the only credit repair service that has not been shut down by the FTC. Why do you believe that is? The query can be answered simply simply because they don’t assist you by committing illegal functions. All the techniques that the company does can be done your self however to do it your self you have to be acquainted with the legislation so you go to them in trade for a fee and they do it for you.

The only factor The Tennessee

Mountain Man is discovering in Microsoft’s leading 100 reasons to upgrade to Vista is more costs, slower response, and more of the exact same issues which have contributed significantly to the destruction of the American family.

But it requires a professional Tv aerial ECU Hardware book test Bench provider to identify the exact problem and solution. The homeowner might suspect some thing amiss from the bad Television reception automotive electronics but might not be well versed to take on the correct solution.The next trigger is due to some poor ecu hardware. This is primarily because of to slight fragmentation of the solder joints repair ECU Hardware book which are brittle these days due to lead totally free solders. When you constantly perform for hrs with each other with out good ventilation this would lead to the melting of these solder joints, which will direct to xbox three red lights error. So is there a fix? Read on.The writer’s name is Charlene. To backyard is what my family and I appreciate.I presently live in Texas and I have everything that I require right here. Administering databases is my occupation but I’ve usually needed my personal business. He’s not godd at design but you may want to verify his website: https://www.Electronicrepairegypt.com/ecu-hw-repair-book.htmlArticle Source: eArticlesOnline.com }

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Modular home builders are pretty different from downright prefabricated home builders. Although used interchangeably, there’s a distinct difference between them. Prefabricated (or prefab) buildings are composed of components or structures manufactured somewhere else (usually a factory). These components may either be entirely or halfway finished. They are then installed or coupled at the building site.

Modules (also called volumetric or 3D), on the other hand, are prefabricated components that enclose spaces, unlike downright prefabricated homes. Like prefabs, they are made in a factory and installed at the building site.

Prefabricated buildings are famous for having quite dull and uninspired designs. However, several modular home builders have put in the effort to make these homes more attractive without a remarkable change in price. We will reveal some of them and why they are the best builders around today in this article.

Here are nine awesome modular designers on the market

Method homes

Method homes have a variety of about eight different sets of designs that range from the vintage cottage style to the urban or modern styles. Their homes are a starting price of $95000. You get to have a say in the kind of designs you want as you get to work hands-on with the architectural and engineering team. This means that you’ll be invited to work with architects to bring designs to life.

House port

House port is known for sprawling and galvanized metal roofing to protect the home from environmental factors. Each of the components of the home is constructed using cubes to create a layout of the rooms. Their homes have a starting price of $65000

Wheelhouse

These homes are inspired by traditional or old cabins but have a modern feel to them. Setting up this building is fast, easy, and can take about 3-5days. The starting price is usually $82000

Ma Modular

These homes offer various modern floor plans depending on their square feet, and it takes about 180 days or less to drop off the prefab components and install them.

Little House on the Trailer

With a starting price of about $34,000, these designers offer beautiful base models easily assembled for a fair price.

weeHouse

The weeHouse has beautiful architectural designs and makes prefabricated designs based on your budget. These components can be arranged and installed in different manners. It has a starting price of $80,000

Blu Homes

Blu Homes have about seven different excellent architectural designs. They basically make the idea of prefabs more interesting. They have a starting price of $145,000.

LivingHomes

With a starting price of $139,000, these designers are unique as their work is eco-friendly. They offer three lines of homes and have a team of highly qualified architects and engineers.

Rocio Romero LV Series

With minimalism as the objective and a starting price of $6,000, they basically bring the outside inside. The natural feel of your home will definitely make it your favorite place to be.

Conclusion

Choosing the perfect designer to make your prefabricated building can be stressful as there are a lot of designers in the market today, such that you can not easily tell who is genuine and who is a fraud. You can not also tell the designer who will understand your choices and desires as you want them. Not to worry, though. The tips that have been discussed in this document will help to make the job easier for you.

When you eventually find one, make sure they are budget-friendly and are qualified enough to bring beautiful designs to life, especially according to our discussions in this piece.

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byadmin

Shopping where you can find customized promotional gifts all in one location affords you a great deal of advantages. As a business owner/manager you probably have a full plate of responsibilities, adding “shopping” for promotional items is probably not something you look forward too. Having to visit more than one site online or worse yet deal with more salespeople is not only time consuming it can be frustrating. You need:

* A wide range of options

* Fast, reliable service

* Dependable quality

When you are shopping for promotional items you want to be sure that you can find a large selection that you can choose from all in one place. You do not want to waste time searching for the items that you want and you do not want to have to settle for items that you really do not want.

Fast, Reliable

There are options both on and off line that are just not really viable options, not because the products are not great but because the service is not great. Typically, a business owner does not order items months in advance they are ordering the items that they need now. Fast turnaround times and reliable delivery schedule is a must.

Dependable Quality

Of course you want the inventory, fast turnarounds but you also have to be assured of the quality of the products because they will be associated with your business and you never want shoddy items to be associated with your business. It is just bad for your image to accept anything less than good quality products.

There is one place that makes it so easy to find the products that you want all under one roof and as an added bonus you can order everything right online including customizations. To buy more products then visit D K Specialties at http://www.dkspecialties.com/

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By Amy Nutt

Electronic muscle stimulators, or EMS devices, are electronic devices that stimulate the muscles. Many bodybuilders use them to speed up muscle repair after a strenuous workout. When they have worked out hard, they get microscopic tears in their muscles and it is the healing of those tears that allows their muscle mass to grow. This would explain why EMS systems are commonly used in preventing muscle atrophy in those who are physically disabled.

For a person who has a disease or has been in an accident that prohibits them from using certain muscles, those muscles will begin to deteriorate over time. You may notice someone with atrophy in their legs have legs that are smaller than they should be. This is because the muscle is deteriorating away. Along with that muscle mass goes the strength. Although they may not be able to use the atrophied muscles anyway, it is healthier to prolong or altogether prevent the atrophy from occurring.

Other reasons to prevent atrophy

[youtube]http://www.youtube.com/watch?v=Hi7TM87ksDI[/youtube]

Another reason in which EMS systems are used to prevent muscle atrophy is the fact that there have been medical breakthroughs that have enabled individuals who have not been able to use their muscles for years to suddenly use them. People who could not so much as stand are standing, so it was important to keep the muscles stimulated. Even if there is no hope of a person being able to utilize those muscles, they still need to be stimulated since medical breakthroughs are happening every single day. One just never knows when they’re going to be notified of a new development, so their muscles have to be primed and ready to go.

How an EMS system works

EMS systems involve having more than one electrode placed upon the skin. From there, small electronic pulses are emitted, usually by the push of a button. These pulses cause the muscles to contract. The contraction is similar to what is received when exercising. This is the very contraction that is needed to keep the muscles stimulated. It is true that an EMS system can’t be connected all of the time, but it is great to have that available at a certain point or at points during the day to make sure the muscles get that bit of “exercise” that they need.

As for the effectiveness, EMS systems are quite effective, which is why so many individuals own them for various different reasons. As stated before, bodybuilders own them to help them in their bodybuilding routines. There are even some who use them to relieve muscle pain. The best way to relieve pain is by stimulating the muscle so that it can heal. If you’ve ever heard the saying, “Work it out,” then you understand how an EMS system can do this. These are all reasons why doctors prescribe them to be used for those with such conditions as Muscular Dystrophy, for paraplegics, and for those who have encountered severe injuries that have resulted in severe muscle damage.

Luckily, EMS systems are not an incredibly high investment. Many individuals are able to afford them and every individual can invest in the device that fits their particular needs. Certain ones give off a certain voltage, are different colors, different sizes, come with more or less electrodes, etc. Some may come with one type of electrode while others come with electrodes specially designed for different areas of the body. But again, they are not very expensive, making EMS systems an easily accessible treatment method for anyone. Anyone with a muscle disorder or injury should invest in an EMS system to improve the quality of their life and to keep up a healthy appearance.

About the Author: Tone-A-Matic offers top quality electronic muscle stimulators to supplement your regular workout program without putting stress on your joints, lower back or neck and shoulders.

Source: isnare.com

Permanent Link: isnare.com/?aid=300044&ca=Wellness%2C+Fitness+and+Diet

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The United States Department of Agriculture (USDA) has established a program called USDA Home Loans that help people acquire houses in the rural areas of the country. They are absolutely zero down payment schemes, which would be a great help if you’re having trouble finding the money for a down payment fee. How do USDA Home Loans Work? USDA Loans work exactly like how they are described – as Zero Down Home Loans. You apply for a USDA home loan without needing to worry about the down payment. The total house price would be financed by the USDA Home Loan Program.

USDA home loans have features that make them better than conventional loans. Here are some of them.

[youtube]http://www.youtube.com/watch?v=iAYVbqL2F5w[/youtube]
  • No Down Payment – The biggest advantage of the USDA Rural Housing Loan is it’s $0 down payment option.
  • Competitive Interest Rates – All thanks to the USDA’s guarantee, lenders are able to offer some of the lowest interest rates on the market.
  • Low Monthly Mortgage Insurance – Conventional loans usually require you to pay “private mortgage insurance” or PMIs if you’re not able to give the required down payment. While the USDA only uses two fees: the upfront guarantee fee (paid once when you close on the loan), and an annual fee (lumped into your monthly mortgage payment).
  • Millions are Eligible – The USDA gives generous definition to what defines as a rural area. In fact, the vast majority of the USA fall within the USDA definition of a rural area.

Is it trustworthy?

USDA Home Loans Maryland is the best option for people looking to buy their first home. Millions of individuals and thousands of families have been helped by USDA Home Loans already. Is it trustworthy? Yes, it is! Though, even with the numbers of people helped and its great benefits, the program still remains one of the least known loan programs in the United States.

USDA Eligibility Guidelines

To be eligible for USDA home loans, there are a few guidelines to follow. Here are the minimum guidelines:

  1. S. citizenship or legal permanent residence (non-citizen national or qualified alien).
  2. Creditworthy, and applicant must be able to prove he/she is such.
  3. Must have a stable and dependable income.
  4. Must have the willingness to repay the mortgage
  5. Adjusted household income is less than or equal to 115% of the area median income.
  6. The property to be financed is to be used for primary residence. NO financing would be given for second homes or investment properties.

How to apply for USDA Home Loans Maryland? USDA Home Loans Maryland would be your best option to obtain a dream home in the Maryland rural area. To apply for USDA loans there, try searching up online for trusted USDA lenders. Talk to them, ask them relevant questions about your loan application. If they are good lenders, they’d be able to gain your trust and help you with your application process easier.

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By Arnold Hernandez

These are six mistakes commonly made by car accident victims:

Mistake 1. After an accident most people call the local police or highway patrol. Invariably you will be asked if you are injured. If it is not a severe injury you will likely say that you are not injured. If you say you are not injured, then there is a good chance no one will come to the accident scene.

When the highway patrol or police officer does come to the accident scene they will ask if you are injured. Once again if it is not a severe injury and the law enforcement officer gets to the accident scene quickly, you will more likely than not say no. The reason is that most car accident injuries are whiplash injuries, or soft tissue injuries which generally do not appear until sever hours after the fact.

The problem with this type of response is that you don’t know. The best approach is to say that you do not know, but that you will go see your doctor. If you say no, the law enforcement officer will record your answer and insurance adjusters will use this against you, and if the case goes to trial the insurance company’s attorney will use it against you as well.

[youtube]http://www.youtube.com/watch?v=gIJAZ90Dk8o[/youtube]

The fact is that you don’t know, because no medical professional has examined you and in the vast majority of soft tissue injury cases you will not know if you are injured until several hours later after the fact. Once you go home and relax you will start feeling pain and tightening of your neck and the following day you may extreme difficulty getting up because of the soreness and pain throughout your body. So, if you are involved in an accident and you are asked if you are injured the answer is you don’t know, but you will go see a doctor to get checked out. Give yourself at least 24 hours to find out.

Mistake No. 2. Failure to mitigate your damages. What this means is that if you suffer an accident, you are not suppose to wait around and do nothing. If you suffer an accident and know you are injured or have reason to believe you are injured, go see a medical doctor right away. If you like chiropractors better than medical doctors, go see the medical doctor first, then see a chiropractor. The reason is that insurance companies use computer software to evaluate claims and failure to act on your injury and take precautions to minimize your pain will reduce the value of the case according to the computer software.

Another problem with failure to act quickly is that if you take too long and the case goes to trial, a jury may believe the injuries were caused by something else. If you take three months to undergo medical treatment, who is to know what caused the injuries you complained off. If you take three days to seek medical treatment, it is more likely than not reasonable. The same software also allocates great value if you first see a medical doctor instead of a chiropractor.

Failure to mitigate damages pertains to all your damages, which also includes damage to your property, and lost earnings. If your car is damaged and inoperable you need to move to a safe location, you cannot leave it abandoned where it may be towed and impounded. If you cannot return to your full duties at work or on a full time basis, you must look to returning as soon as possible or on a limited basis. You must also have a doctor’s order stating you need to refrain from your work activities, and your doctor must specify the number of days you are required to take off.

Mistake No. 3. Trusting the insurance adjuster. Many insurance adjusters mislead accident victims into believing they are going to help. I have had clients come to me three months after the fact, stating they were waiting for the insurance company of the tortfeasor to send them to a doctor. It is not going to happen. Insurance adjusters have a job, their job is to fulfill their duties according the terms of on the insurance policy at absolute minimum cost. Insurance companies are in the business of making money. They are not charities, or good guys, or neighbors helping neighbors, they are concerned with one thing and one thing only -profits. If you suffered an injury call an attorney right away. Not every case merits representation, but speaking with an attorney is often the best thing you can do to help yourself.

Mistake No. 4. Not following your attorney’s advise or your doctor’s advise. Your attorney and your doctor have an interest in protecting you, that is their job. Remember, you pay them for their expertise, not every case is a million dollar case and not every ailment is related to the accident and not every ailment requires extensive treatment.

Mistake No. 5. Lying. Sometimes personal injury claimants think they can obtain a better result by lying. They exaggerate their injuries and their symptoms. What they donnot know is that personal injury attorneys and medical doctors know when the claimant is lying. Often an MRI is done to see if the alleged severe low back injury is real. The MRI is very expensive, but accurate which often results in a loss for the claimant, because the procedure was not necessary. Sometimes claimants claimed preexisting medical problems on the accident, but an examination of the medical history shows there is no new injury. More often than not lying backfires and it is discovered, which results in complete loss of credibility for the claimant.

Mistake No. 6. Permitting an insurance adjuster to take your declaration and record it. If an insurance adjuster calls you and asks to take your declaration, it is for the purpose of denying your claim. It is not for the purpose of helping you. They are hoping you make an error, sometimes they will call you within hours after the accident, because in a soft tissue injury they know you will not be hurting for several hours.

About the Author: Speak with a San Diego personal injury attorney for free at: San Diego Personal Injury Attorney

Source: isnare.com

Permanent Link: isnare.com/?aid=306924&ca=Legal

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Resorts in Lucknow Tips to Find a Good Accommodation Option

by

robinindia

Qaiserbagh complex, Indira Gandhi Planetarium, Amrapali Water Park and many more. For the massive crowd of tourists visiting the city, there are many peaceful and royal resorts in Lucknow. Here are some tips to help you find a good resort accommodation in Lucknow.

Location and Transportation

The first consideration should be to choose the accommodations located in safe and peaceful areas. You should consider the resort which is located near the main attractions of the city. Also consider the transportation facilities near the resort so that you can easily get around various parts of the city. You can learn about the location and accessibility of various resorts in Lucknow using online resources.

[youtube]http://www.youtube.com/watch?v=gHzws6FpuNE[/youtube]

Choice of Rooms

Even a budget resort in Lucknow offers a number of room choices to the tourists. Most of the accommodation options offer rooms for single person, couples and for small families. You must choose a resort with rooms that match your requirements. Also consider things like attached bathroom and various amenities like television, air-conditioner, internet and

Facilities Available

Look for the facilities like safe parking and health clubs offered by different resorts. If you are on a business strip, you can also wish the resort to have facilities like high-speed internet and conference facilities. Swimming pool, gaming and playing areas, restaurants and spas are other facilities offered by the best resorts in Lucknow.

If you are visiting the city with friends, you should look for resorts that offer facilities to party. Discotheque and banquet lawns are s\the facilities you should look in a resort to make your trip memorable.

Accommodation Cost

Another important consideration is the tariff of different rooms and suites available with the resorts. One can easily find a budget resort in Lucknow offering world-class facilities and amenities to its guests. Search online to find the best deals offered by different accommodation options in the city.

A good way to find a resort in Lucknow is by referring to the online reviews posted by the regular visitors to the city. You should also visit the official website of every resort accommodation in Lucknow to learn more about it. The Lucknow resorts represent the courtesy for which the city has been known since ages. Staying in one of these resorts should make your trip unforgettable.

Resorts in Lucknow

Affordable accommodations in Lucknow

Amrapali Water Park

Article Source:

Resorts in Lucknow Tips to Find a Good Accommodation Option }

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Eligibility Requirements for Most Voluntary Disclosure Programs

The IRS Voluntary Disclosure Program is a federal government program that provides taxpayers with opportunities to disclose income, assets, investments, and accounts that they have previously failed to report on their tax returns. While a voluntary disclosure agreement (VDA) doesn’t automatically shield a taxpayer from prosecution, it’s likely that prosecution will not be recommended when this avenue is utilized. An even bigger benefit of taking advantage of a VDA while the option is still available is that the IRS or state taxing body will likely limit your look-back period for the tax liability. In order for voluntary disclosure to be valid, a taxpayer must:

  • Truthfully and completely disclose information in accordance with program requirements.
  • Cooperate to determine accurate tax liability.
  • Cooperate with good-faith arrangements to pay taxes in full with any interest or penalties applied.

Voluntary disclosure is open to a taxpayer who has willfully committed tax crimes. If a potential tax crime was not willful, it’s possible that ordinary means of correcting tax issues that can include filing and amending past returns would be recommended. Lastly, voluntary disclosure protection only applies to legal sources of income.

The Difference Between Voluntary Disclosure and Mandatory Disclosure

Voluntary disclosure offers an opportunity to “get ahead” of unpaid taxes. By contrast, mandatory disclosure occurs when the IRS requests information when acting on a taxpayer’s suspected noncompliance. The voluntary disclosure must be done before the IRS has initiated a civil or criminal investigation, received information from a third party regarding noncompliance, notified a taxpayer of an investigation or examination, or acquired information via a criminal enforcement action.

Multi-State VD

The program allows taxpayers to negotiate settlements for potential tax liability in multiple states. For taxpayers with potential tax exposure in more than one state, this program creates a way to settle outstanding tax debts faster, more efficiently, and for less money through a coordinated agreement with the National Nexus Program and Multistate Tax Commission. There is no charge to enter into this program.

Offshore VDA

The IRS closed its OVDP (Offshore Voluntary Disclosure Program) in 2018. Taxpayers seeking to disclose information related to offshore foreign accounts must now make a pre-clearance request directly to the IRS’s Criminal Investigation Division (CID). A detailed report providing all of the facts and circumstances related to the assets involved must be submitted. Taxpayers should also know that they are required to report certain foreign financial accounts annually by completing a Report of Foreign Bank and Financial Accounts (FBAR) filing. Willfully failing to file an FBAR can result in an FBAR penalty totaling either $100,000 or 50% of the account balance. Criminal prosecution is also possible.

Sales Tax VDA

A sales tax VDA is a contractual agreement between a company and the state taxing authority that allows a company to come forward to voluntarily pay its unpaid tax obligations concerning dealings in any state where it has a sales tax nexus. It applies to all sales tax that was collected without being remitted. In exchange, the state will potentially reduce penalties while also placing limitations on the look-back period for unpaid taxes. This is for businesses that are not already under investigation.

What Is the Application Like for Voluntary Disclosure?

There are several different processes involved when applying for voluntary disclosure. In the case of seeking disclosure benefits for federal taxes, the standard practice is for an individual to initiate the voluntary disclosure by contacting their nearest IRS Criminal Investigation (CI) office. Generally, individuals seeking to utilize voluntary disclosure will have tax professionals make these requests on their behalf to ensure that they can protect their rights.

When seeking to initiate voluntary disclosure at the state level, it’s necessary to submit an application through the state’s designated tax portal. While submitting an application online is the most common method, sending a letter to request a disclosure consideration is often possible. A request for a disclosure application for state taxes typically requires the following pieces of information:

  • The type of tax involved.
  • A description of the taxpayer’s tax activities in the state.
  • A start date for tax activities.
  • The reason for the taxpayer’s noncompliance with state tax laws.
  • The total amount of tax liability.

Taxpayers can make requests for voluntary tax disclosure applications anonymously. However, the option to maintain anonymity is removed after the discovery period. Once it has been determined that you qualify for a voluntary disclosure agreement, you will be sent an agreement that must be signed and returned. While deadlines for returning your application can vary by state, taxpayers usually have 30 days to complete their applications in order to avoid penalties from becoming active. Next, a taxpayer receives instructions for registering for the VDA program. For businesses, this can include completing a business license application, submitting information related to gross income, completing a business activities questionnaire, and submitting a tax authorization form. The state tax department may also request additional information related to income and business activities.

Finally, taxpayers must fulfill their tax obligations for unreported income that prompted the VDA in order to stay in compliance. An invoice that requires full payment will be submitted to the taxpayer with a deadline attached. Additional interest and penalties will begin accruing if the tax bill is not paid in full.

What Can Be Done If You Owe Undisclosed Taxes?

Individuals and taxpayers have what should be considered a very generous opportunity to correct tax mistakes before serious consequences and penalties become realities. Someone who owes any amount of unpaid taxes stemming from undisclosed income sources should act quickly to investigate their eligibility for VDA before the IRS or state taxing body catches wind of the impropriety. This is one of the rare tax relief options where “forgiveness” is applied when a taxpayer willfully neglects tax duties. If you’re seeking tax audit representation, reach out to an expert tax attorney to explore your options for using a VDA to avoid investigation, harsh penalties, and the potential for criminal charges.