Your Taxes are going up in 2013 regardless of the Fiscal Cliff

At some point, the House of Cards will fall apart. 

America has been operating without a budget since 2011. During that year, the Congress, Senate, and President tried to negotiate a budget, but continually failed because President Obama and the Treasury Department wanted to raise the debt ceiling (Fear Not: the Federal Government has shutdown before and Social Security checks kept flowing). By August 2011, an agreement was reached. The debt ceiling was allowed to be raised to $16.3 trillion, and a "Super Committee" was formed to to address fiscal reform. In the event that the committee failed to agree on a solution, mandatory budget cuts in 2013 would take effect as a safeguard to our economy.

The Super Committee talks collapsed after a short while, and the economy has been running on auto pilot since then.

Now we are approaching the beginning of 2013 and the 2011 budget cuts, now called the Fiscal Cliff, are scheduled to go into effect. Although Ben Bernanke, Chairman of the Federal Reserve, and other economists were concerned that these cuts would trigger a new recession, our elected lawmakers have again failed to resolve this critical issue. President Obama's solution is to raise taxes on those individuals earning more than $200,000 per year and has requested the authority to increase the debt ceiling at his discretion, with an unlimited topside amount. Republicans in the House of Representatives do not want to raise taxes on anyone. And, conservatives want to limit entitlement spending.


In an attempt to bully the Republican Congressmen, the Democratic leadership has led a campaign against the Republicans, convincing the American public that it is the Republican Party who is responsible for failing to resolve the budget issue.

To complicate matters, the Secretary of the Treasury, Timothy Geithner, warned that the U.S. budget ceiling would be reached on December 30th, 2012, just two days before the mandatory budget cuts are implemented. 

Needless to say, the Democrats are beginning to panic at the thought of being constrained by the required budget. This is why President Obama cut his Hawaiian Vacation short and returned to Washington DC yesterday. 

Mr. Obama had campaigned on raising the taxes on the rich. He carefully avoided informing the public that new ObamaCare taxes on all income earning Americans, regardless of income level, would also become effective in the beginning of 2013.

This means that everyone who generates income will be paying more in taxes beginning 2013. The only question is how much more will be paid. If the legislature fails to avert the "fiscal cliff", the Obama give-away program begin to come to an end while all those who are still working will help to reduce the national debt.

If a new budget agreement is reached, current taxpayers will begin to pay these new taxes in 2013 due to ObamaCare:

• Medical-device excise tax 2.3%, paid by elderly, sick, injured, needy
• Limited Flexible Spending Accounts (30 million working Americans) tax deductions for health care costs will be capped at $2,500 rather than unlimited
• Tax deduction for medical expenses exceeding 10% of annual income (up from 7.5 %)
• Increase in Medicare tax from 1.45% to 2.35%
• Tax increase of 3.8% on investment income for those earning $250,000 or more. Capital gains increase from 15% to 20%. Dividends tax rises from 15 to 39.6%. Plus, with ObamaCare, capital gains tax rate raised to 23.8% and dividends raised to 43.4%.
• Employer Payroll tax increase

However, if we do go over the fiscal cliff, all working taxpayers will be subjected to these additional taxes as well (see What falling ...)

• Income of $20,000 to $30,000: $1,064 average tax increase
• Income of $40,000 to $50,000: $1,729 average tax increase
• Income of $50,000 to $75,000: $2,399 average tax increase
• Income of $75,000 to $100,000: $3,688 average tax increase
• Income of $100,000 to $200,000: $6,662 average tax increase
• Income of $200,000 to $500,000: $14,643 average tax increase
• Income of $500,000 to $1 million: $38,969 average tax increase
• Income of more than $1 million: $254,637 average tax increase

So, in summary, our legislative and executive body struck a budget agreement in 2011 which will now become effective in 2013. Taxes are going up on everyone whether we go over the fiscal cliff or not. This goes beyond a Republican verses Democrat debate. The budget ceiling is reached and now the future is here for our President and congressional leaders to begin spending in a rational and responsible manner. The House of Cards is about to fall apart, but the only question is when it will collapse: Now or Later? 

Sources: ObamaCare Taxes

• Five major ObamaCare taxes that will hit your wallet in 2013
• Experts warn about impending Obamacare tax increases
• In 2013, Millions Of Americans Face Obamacare Tax Hikes
• Full List of Obamacare Tax Hikes
• The five tax hikes in Obamacare that most hurt seniors

Sources: Fiscal Cliff

• Reid: Time has run out on ‘fiscal cliff’
• Fiscal Cliff - News, Analysis and Opinion from POLITICO
• The Fiscal Cliff: A Primer
• What falling off the "fiscal cliff" means for you
• Fiscal Cliff 2013: A Timeline Of America's Long Stumble

xx

Merry Christmas. Christ is Born!

Two thousand twelve years ago, our Savior, Jesus Christ, was born in a manger in Bethlehem. Since that time, we have celebrated his birth. Originally religiously, we now remember this miraculous event in grandiose fashion. Christmas! A day of giving! A day symbolized by Santa Clause, Christmas trees, outdoor lighting, caroling, and feasting.

It is also a day for us to remember our lost ones. Jesus was born to die for our sins.

Even in black times, our spirits turn back to this marvelous event. A child is born. A child who will change the world. A child who will later die for us. A child who will receive our souls and give us eternal life in a spiritual world.

With hope of life, this young innocent child protects our spirit, and oversees our daily lives. He's there for us whenever we need him. He is there when we are born. He is there when we die.

So as we celebrate this holiday season, preparing our gifts for Christmas day, its time to remember the meaning of Christmas.

This has been a difficult year for many Americans. Natural disasters and human carnage have tested our faith. Many have lost their physical possessions. And, many have lost their mothers, fathers, brothers, sisters, friends and children.

But time marches on, and God is still with us. While we cannot understand the reasoning, our faith must remain strong.

We look to new life as the world will soon celebrate the birth of our Christ and renews our faith that God is still there.

Yes, Christ is born. Glorify him!

Merry Christmas to all!

Merry Christmas to Hostway, the best web hosting company in America

Everyone takes IT for granted. They expect their computers to be running 100% of the time. Rarely, if ever, does anyone contact their support staff just to say "Thanks".

So, as this Holiday Season draws to a close, it is time to for LotteryPowerPicks.com to wish its web hosting company, Hostway, and its staff: "a Very Merry Christmas" and to say "Thank-you" for your continuous services and your committment to excellence.

The Lottery Power Picks Story
Seven years ago, I was developing my website and I planned to launch it during the summer of 2006. Since most of the programming was done on my personal PC, I needed to select a web hosting company to bring this to life.

Although I am an experienced programmer, I had never developed a website. I did not have a budget and did not want to spend a lot of money on this venture. After all, I was not sure if my new site would be a success or not.

The choices of web hosting companies was daunting. My search efforts seemed to always produce the same list of providers. I found that I would need to spend $5 to $50 per month for hosting. The cheaper sites had limits on the number of pages or files I could create and the amount of disk space I could use. Many hosts had a promotional price structure during the first year which would then increase. As I continued my search, I learned that most of the references that ranked web hosting services were only promoting affiliate advertisers. They did not care which of the companies I selected because they would earn a commission on all of them.

I felt somewhat lost. But then I found Hostway!

Hostway was not listed on most of the websites, but it seemed to offer everything that I needed. At the time, they offered a "Super Power Plan". For approximately $150 per year, I could have 150 GB of disk space, email, 25,000 files, unlimited data transfer, PHP, MySQL, Perl, ftp and ssh access, and much more. If my site required more services in the future, I could incrementally purchase what I needed.

So in August 2006, it was time for me to make a final committment. I called Hostway and the person who helped me calmed all my fears. I'll never forget that when I selected my site name, they told me I was lucky, lotterypowerpicks.com was now mine!

Hostway set up the site and I uploaded all my files. Within a day, my site was on the web. They submitted my site's url to the various search engines and soon web surfers were able to find me.

During the past 6 1/2 years that the site has been live, the up-time has been nearly 100%. I have never run out of disk space and the site is always accessable.  Increadibly, they have never raised their fees and I still pay the same $150 per year. In return, I have 24/7 support and the ability to grow my site at will. 

Hostway Staff
I have only needed to contact Hostway a few times.  What impresses me most is that whenever I have a question or problem, I speak to the same people. Their staff has relatively little turnover and is therefore highly skilled and experienced. They are familiar with the company and their services which makes it easy to resolve most problems within a very short time.

Personal Example 
Last winter, two things happened almost at once. First, Mr. John Martis was named President of Hostway. One of the first things he did was to send all of the customers an email introducing himself and asking us for company feedback. He said that he was always available to answer our questions or provide us with help.

Second, I found that my site lost certain functionality within days after his email. Once I restored my website's functionality, I wrote to Mr. Martis and described the problem I experienced. The very next day, I received a telephone call from a second level support person who explained the cause of my problem and its resolution. I was also given his direct support number for future reference. Since that time, I have never had a problem again.

Testimonial Summary
What impresses me most about Hostway is their people. They are very friendly and are always available. They always follow through with all communication and they make their customers feel important. As I told Mr. Martis, I am only one of thousands of customers, and I only pay a relatively small amount for their services. But Mr. Martis's response to my problem and the follow through with his staff illustrated their commitment to their product and dedication to all of their customers.

In summary, Hostway has been an integral partner of LotteryPowerPicks.com. For the past 6.5 years, they have hosted my website and insured that it is available every single day, 24 hours per day. I could not imagine what I would do without them. Their equipment is up to date and their staff second to none. I consider myself lucky to have found them and hope they will continue to be there in all the years to come!

Thank-you Hostway!

Merry Christmas and Happy New Year

John Lottery

Why every blog should have a "Search Box" widget

A couple of months ago, I was deciding whether I should add a "You may also like - Related Posts" widget to my blogs. I remembered that several other blogs that I visited had added LinkWithin a year or more ago and had written blog posts about their experiences. So, I visited them and used their "Search" widget to look for posts about this topic.

However, I was quite surprised that a few did not have a search capability. I did not want to waste my time reading through their posts or traversing their blog archives, so I just gave up on those and went on to the next blogs.

The reason this surprised me was that the blogs that did not have this functionality were all Blogger blogs. Blogger make it really easy for us authors to add various widgets to our sidebars. One of the widgets offered is the "Search Box", which "Lets visitors search hour blog, blogroll, and everything else you've linked to".

While this functionality may not seem important to individual blog authors, it can be an extremely important tool for your visitors.

Think about it. If a reader returns to your blog with the intention of finding a previously published article, he can find it quickly with this tool.

If the Search functionality is not there, the reader will leave, almost immediately.

What this means to the author of a blog is that a valuable reader was lost. Rather than spending time on your blog, that person just went somewhere else for information. Further, that visitor may be less inclined to return to your blog in the future.

In order to grow your readership and followers, it is important for you to think about your visitors. You must organize your blog and offer those tools that a reader may use.

Remember, blogging is not only about writing your opinions and experiences, but it is also about building a set of followers who are eager to return to your site and use your information as reference.

If your blog is hosted on Blogger, you can add this widget easily. Just go to your blog, and click on the "Layout" choice. Then, press the "Add a Gadget" link. You will be presented with a list widgets to add. Just look for the one titled "Search Box" and press the plus button. That's it!

How We Celebrate Our Thanksgiving Dinner

Instead of just wishing everyone a Happy Thanksgiving this year, we thought that we would do something different and tell you about how we celebrate the holiday in our household.

Most of our family lives in Pennsylvania which means that someone has to travel. But having a family with children, we believe that it is important to enjoy at least one holiday at home. For us, it is Thanksgiving. There is nothing better than to start the holiday season by entertaining our family and treating them to a home cooked traditional turkey meal.

The day begins around 6 AM when we awake and prepare a fresh pot of coffee. After drinking our first cup, we begin the preparation. First on our agenda is to prepare the turkey. This is quite simple. We take the turkey out of the refrigerator, remove the packing inside of it, and wash it thoroughly in lukewarm water. Then, we pat it down and dry it with paper towels. While the oven is preheating, we melt some butter and place the turkey inside a large roasting pan with the breast side up. We baste it with butter and add a few pats under the wings and thighs. It is salted and peppered, then loosely covered with aluminum foil. By 7 AM it is in the oven.

Next, we peel a bag of white potatoes, sweet potatoes, and rutabagas which are boiled separately on the stove.

Onions and celery are diced and mixed into a stuffing mix along with butter and eggs. The stuffing is formed into individual serving sized round balls and placed in its own baking dish. This too is covered with foil.

We will then fry some bacon until it is very crisp. We remove the grease and let it cool on paper towels. Later, it is mixed in with Brussels sprouts and cooked on the stove.

Now, we perform our first round of clean up. All the pots, pans, dishes, and knives are washed, dried, and put away.

When all the potatoes and rutabagas are done, they are mashed and placed into 3 heat resistant serving bowls. These set aside in the refrigerator until an hour before serving.

A fresh garden salad it tossed and placed in a bowl. Just before serving we add the dressing (usually oil and vinegar).

By now, it is 10 AM or so, and most of the meal is ready. We once again clean up the dishes and then tend to ourselves. Each of us takes a shower and get dressed for our company. While we are waiting, we will set the dining room table.

At 11 AM our family will arrive from their 2 hour journey. My Mother and Father in Law, my wife's sister and brother will be there. Altogether, we will host 7 more adults, bringing the dinner total to 10 hungry people. Along with them will be desert, a home baked pumpkin pie and an apple pie.

The turkey will be cooked by 1:30 PM, so we will have time to relax and visit.  Since the house will be consumed with the aroma of a fresh baking turkey, everyone will be in a festive mood.We will drink a round of Bloody Mary's, and then some wine and beer. 

When the turkey is done cooking, the ladies will heat the potatoes, stuffing, and vegetables; and I will carve the turkey.

Champagne will be served as we sit at the table. We start the meal by saying a prayer and by remembering all those who have passed away. A toast will be given and we will begin to eat our salad. By 2:30, all the dishes will be heated and placed on the table. The main feast will begin.

Since everyone will be staying overnight, we will be in no hurry. We will take our time and some will eat seconds. We will be at the table for at least two hours.  When we are finished, the men will go downstairs and watch football (or take a nap). The women will clean up.

Sometime after 6 PM, we will meet at the table again to eat our desert. We'll have some coffee and tea, and perhaps a little Sambuca.

After that, we'll just sit around until we fall asleep for the night! We'll all be too full to eat anymore. 

So, from our house to yours, 

we hope that your Thanksgiving Day 

is as enjoyable as ours

and

We Wish You All

A Very Happy Thanksgiving!

Changing (or Fixing) Publish Date of Blogger Posts to put posts in right order in both Blogger and Feedburner

Are your blog posts out of order because you edited an old post? If so, this article explains how to reset the publish time so that your posts will be displayed in the correct chronological order.

Background
I often edit previous Blogger posts in order to add more information or fix spelling and grammatical errors.  Usually, this is not a problem. I simply select the blog post that I wish to alter, make the changes and then press the orange "Update" button at the top of the page. The post is immediately updated in both Blogger and Feedburner.

However, when I edited a 4 day old post yesterday, it was published with the current time and became the first (most recent) entry in my blog. This was quite a surprise for me because the post title contained the date 11/03/12 and it appeared in the blog before 11/07/12. For me, having posts displayed in a chronological order is important.

Usually when a post is edited, the original post date is maintained but the edit date is updated. Since this information is contained in the Feedburner XML Source, I looked to see what dates were included. For the post in question, I noticed that the published, updated and edited times were all changed to yesterday's date, thus making it the most recently published.

I did not know if this was a Blogger or Feedburner bug because my action began in Blogger and was visible in Feedburner.

After doing a few Google searches, I found that others experienced this same problem as far back as 2009.  This surprised me because I had never experienced it.

Luckily, I discovered a thread in the Google Product Forums for Blogger which described how to fix this problem.

The Solution
The remedy for changing a post's publish date is relatively easy. Simply:

• edit the post which is out of order,
• click the "Published on" link in the Post settings toolbar on the right of the Blogger screen (#1)
• make sure the "Set date and time" toggle is checked
• click on the calendar day that you wish to be set
• enter the time that you want the post published
• press the "Done" button (#2)
• press the "Update" button next to the post's title. (#3)

Once this is completed, the post will be republished with the date you want and the post will be automatically positioned in the correct chronological order in both Blogger and Feedburner!

Why I chose nRelate instead of Outbrain or LinkWithin

Providing internal links to you blog's other postings helps to engage readership by directing visitors to related content within your blog. This articles explains why I chose nRelate to increase page views and visitor duration time on my blogs.

Background
Early last month (October), I was reading Dave Lucas's blog article EntreCard Effect and noticed that he had mentioned that his traffic tripled since EntreCard closed. Dave attributed this growth to LinkWithin and Outbrain. As I was not familiar with either of these, I performed a Google search and found another post by Dave (Righthaven DMCA LinkWithin) where he welcomed LinkWithin back on his blog.

At this point, I visited both the Outbrain and LinkWithin websites and learned that these were 3rd party widgets that can be added to your blog and will display the pretty "You might also like" references the bottom of each post.  I then remembered reading about this topic a while ago on Sharkbytes's My Quality Day. So I checked her blog and Dickster's Random Thoughts and found that both of these were displaying the related articles as well.

So, in my haste, I registered with Outbrain and added the widget to my 4 blogs. Within a short time, these were displaying my own related links. However, many of my early blog posts did not contain pictures, so Outbrain often presented this content simply as a list of links.

When I compared this to the blogs above, I saw that the also had nice little pictures along with the title of the blog post.  Then, I realized that everyone else was using LinkWithin and not Outbrain.

Outbrain & LinkWithin
Unsure which was better, I decided to remove Outbrain from 2 blogs and replace it with LinkWithin. At first, I was happy with the results, but I wanted to display 4 links on one blog rather than 3. In order to do this, I had to re-install the widget again. However, after I did this, I found that both blogs now had 4 related article links. This meant that all would have either 3 or 4 articles. I settled on the four of them.

I waited 1 month and then checked my Webmaster and Analytics statistics. Neither of these showed an increase in traffic. While the actual visitor traffic remained constant, the appearance in Google Search results decreased substantially.

Further, I found that Outbrain had less images than LinkWithin, so I liked LinkWithin better. But, LinkWithin was redirecting my traffic back to their site, which I did not like.

nRelate
Thus, I decided to see if there was an alternative to these two, and found the blog article: Switch from LinkWithin to nRelate which described the pros and cons of LinkWithin and nRelate.

Figuring that I was still experimenting, I decided to remove the Outbrain and LinkWithin widgets and replace them with nRelate.

Almost immediately, I found that nRelate was a better solution for my 4 blogs.

• First, I was able to custom tailor the layout of each widget according to the space available on my blogs (3 blogs display 4 results, and 1 blog displays 5).
• Second, I was able to change the size of the graphic images being displayed. 
• Third, nRelate displays "stock" icons on those posts that do not contain their own graphics (so there is always an image).
• Fourth, I have the ability to display paid ads to generate income payable to Paypal (however, Outbrain also lets you display paid ads). 
• And fifth, the "related posts" being displayed were relevant to the current post. This means that if someone is reading an Entrecard post, they will see other related Entrecard articles of mine as well.  However, the drawback here is that the initial indexing of the blog can take up to 2 hours before the "You may also like -" results appear.

It is still too early for me to see if the nRelate widget is actually boosting my traffic, but I can already see an increase in page views and visitor duration time now that I am using nRelate.

Lastly, I like the fact that I can choose to display paid ads in these widgets. This provides an opportunity to increase income without having to do any more work.