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	<title>Diane Kennedy, CPA Speaks Out &#187; admin</title>
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	<link>http://dkteleseminars.com</link>
	<description>Insights &#38; Observations You Can Use to Make and Save Money</description>
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	<itunes:summary>Diane Kennedy, CPA and Best-Selling Author of Loopholes of the Rich, Real Estate Loopholes and Tax Loopholes for eBay Sellers, Shares Insights &amp; Observations You Can Use to Make and Save Money Today</itunes:summary>
	<itunes:author>Diane Kennedy, CPA Speaks Out</itunes:author>
	<itunes:explicit>clean</itunes:explicit>
	<itunes:image href="http://dkteleseminars.com/wp-content/plugins/podpress/images/dklogo.jpg" />
	<itunes:owner>
		<itunes:name>Diane Kennedy, CPA Speaks Out</itunes:name>
		<itunes:email>dkpodcast@gmail.com</itunes:email>
	</itunes:owner>
	<managingEditor>dkpodcast@gmail.com (Diane Kennedy, CPA Speaks Out)</managingEditor>
	<copyright>2009</copyright>
	<itunes:subtitle>Insights &amp; Observations You Can Use to Make and Save Money</itunes:subtitle>
	<itunes:keywords>diane kennedy, cpa, taxes, audit, invest, investment, tax savings, tax strategy</itunes:keywords>
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		<title>Diane Kennedy, CPA Speaks Out &#187; admin</title>
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		<link>http://dkteleseminars.com</link>
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	<itunes:category text="Business">
		<itunes:category text="Investing" />
		<itunes:category text="Management &amp; Marketing" />
	</itunes:category>
		<item>
		<title>7 Tax Changes To Look Out For in 2010</title>
		<link>http://dkteleseminars.com/7-tax-changes-2010/</link>
		<comments>http://dkteleseminars.com/7-tax-changes-2010/#comments</comments>
		<pubDate>Fri, 26 Feb 2010 03:06:37 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Tax Strategies]]></category>
		<category><![CDATA[debt forgiveness estate tax]]></category>
		<category><![CDATA[diane kennedy cpa]]></category>
		<category><![CDATA[federal tax rates]]></category>
		<category><![CDATA[megan hughes]]></category>
		<category><![CDATA[nexus]]></category>
		<category><![CDATA[tax changes]]></category>
		<category><![CDATA[tax deductions]]></category>

		<guid isPermaLink="false">http://dkteleseminars.com/?p=89</guid>
		<description><![CDATA[In this 60 minute teleseminar, Diane Kennedy and Megan Hughes cover the 7 Top Tax Changes to Watch Out For including...]]></description>
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		<slash:comments>0</slash:comments>
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			<itunes:keywords>debt forgiveness estate tax,diane kennedy cpa,federal tax rates,megan hughes,nexus,tax changes,tax deductions</itunes:keywords>
		<itunes:subtitle>In this 60 minute teleseminar, Diane Kennedy and Megan Hughes cover the 7 Top Tax Changes to Watch Out For including...</itunes:subtitle>
		<itunes:summary>States are broke.

Congress is trying to figure out how to pay for stimulus packages in a reduced economy &amp; auditors are more aggressive than ever.

You need good information with strategies fast!

In this 60 minute teleseminar, Diane Kennedy and Megan Hughes cover the 7 Top Tax Changes to Watch Out For including:

	* Increased Federal Tax Rates
	* Reduced Deductions
	* Nexus Over-Reaching by States
	* Debt Forgiveness Income, and
	* Estate Tax Changes

Plus, of course, you will get a step-by-step acdtion plan you can put in place right away.
7 Tax Changes to Look Out For - Only $9.95 - 57 Min MP3
(http://dkteleseminars.com/images/clicktoorder.gif)
Listen to the first 7 minutes free...</itunes:summary>
		<itunes:author>Diane Kennedy, CPA Speaks Out</itunes:author>
		<itunes:explicit>clean</itunes:explicit>
		<itunes:duration>6:52</itunes:duration>
	</item>
		<item>
		<title>Sharon Lechter &#8211; Teaching Your Children Financial Literacy</title>
		<link>http://dkteleseminars.com/sharon-lechter-teaching-your-children-financial-literacy/</link>
		<comments>http://dkteleseminars.com/sharon-lechter-teaching-your-children-financial-literacy/#comments</comments>
		<pubDate>Thu, 11 Feb 2010 01:11:44 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[General Topics]]></category>
		<category><![CDATA[bad debt]]></category>
		<category><![CDATA[children]]></category>
		<category><![CDATA[credit application]]></category>
		<category><![CDATA[financial literacy]]></category>
		<category><![CDATA[good debt]]></category>
		<category><![CDATA[sharon lechter]]></category>

		<guid isPermaLink="false">http://dkteleseminars.com/?p=86</guid>
		<description><![CDATA[Sharon Lechter - Teaching Your Children Financial Literacy. Free 54 minute teleconference. As soon as your child enters college, he’s going to get a letter that will change his life forever. It’s a credit card application! Does your son (or daughter) know enough about good debt and bad debt to make the right decisions?]]></description>
		<wfw:commentRss>http://dkteleseminars.com/sharon-lechter-teaching-your-children-financial-literacy/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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			<itunes:keywords>bad debt,children,credit application,financial literacy,good debt,sharon lechter</itunes:keywords>
		<itunes:subtitle>Sharon Lechter - Teaching Your Children Financial Literacy. Free 54 minute teleconference. As soon as your child enters college, he’s going to get a letter that will change his life forever. It’s a credit card application!</itunes:subtitle>
		<itunes:summary>As soon as your child enters college, he’s going to get a letter that will change his life forever.

It’s a credit card application!

Does your son (or daughter) know enough about good debt and bad debt to make the right decisions?

Listen in on a personal conversation with the mega-star of financial literacy, Sharon Lechter. She’s the co-author of the huge best sellers &quot;Three Feet From Gold&quot;, &quot;Rich Dad Poor Dad&quot;, and many more.

Here are just a few of the things that Sharon is going to cover:

	* Learn how to let your teen stub their toe (financially) at home versus break their leg out in the real world
	* Understanding income and expenses
	* Encourage your child on how to create new sources of income
	* How to read and manage financial statements, and
	* The difference between good debt and bad debt.

Imagine what a difference knowing those things will make in your child’s life!</itunes:summary>
		<itunes:author>Diane Kennedy, CPA Speaks Out</itunes:author>
		<itunes:explicit>clean</itunes:explicit>
		<itunes:duration>54:50</itunes:duration>
	</item>
		<item>
		<title>Tax Issues to Dumping Real Estate</title>
		<link>http://dkteleseminars.com/tax-issues-dumping-real-estate/</link>
		<comments>http://dkteleseminars.com/tax-issues-dumping-real-estate/#comments</comments>
		<pubDate>Sun, 25 Oct 2009 17:37:55 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[foreclosure]]></category>
		<category><![CDATA[loan modification]]></category>
		<category><![CDATA[short sale]]></category>
		<category><![CDATA[tax issues]]></category>

		<guid isPermaLink="false">http://dkteleseminars.com/?p=80</guid>
		<description><![CDATA[Millions of US real estate investors and homeowners are walking away from bad real estate. Unfortunately, the tax man is watching and that could mean thousands, maybe tens of thousands of dollars in tax if you're not careful.]]></description>
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		<slash:comments>0</slash:comments>
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			<itunes:keywords>foreclosure,loan modification,Real Estate,short sale,tax issues</itunes:keywords>
		<itunes:subtitle>Millions of US real estate investors and homeowners are walking away from bad real estate. Unfortunately, the tax man is watching and that could mean thousands, maybe tens of thousands of dollars in tax if you&#039;re not careful.</itunes:subtitle>
		<itunes:summary>Millions of US real estate investors and homeowners are walking away from bad real estate.

Unfortunately, the tax man is watching and that could mean thousands, maybe tens of thousands of dollars in tax if you&#039;re not careful.

Don&#039;t assume that there is no tax issue with foreclosure, deed-in-lieu of foreclosure, short sale or loan modification.

No matter what type of property you have, there is likely taxable income.

If that&#039;s the case, you need quick strategies to make sure you don&#039;t pay a dime more in taxes than you are supposed to.

This teleseminar is one you don&#039;t want to miss!
Tax Issues to Dumping Real Estate - Only $4.95 - 27 Min MP3
(http://dkteleseminars.com/images/clicktoorder.gif)
Listen to the first 5 minutes free...</itunes:summary>
		<itunes:author>Diane Kennedy, CPA Speaks Out</itunes:author>
		<itunes:explicit>clean</itunes:explicit>
		<itunes:duration>4:57</itunes:duration>
	</item>
		<item>
		<title>Opportunities &amp; Pitfalls of 2009 Tax Changes</title>
		<link>http://dkteleseminars.com/opportunities-pitfalls-2009-tax-changes/</link>
		<comments>http://dkteleseminars.com/opportunities-pitfalls-2009-tax-changes/#comments</comments>
		<pubDate>Sun, 25 Oct 2009 17:30:30 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Tax Strategies]]></category>
		<category><![CDATA[2009 tax changes]]></category>
		<category><![CDATA[2009 tax law]]></category>

		<guid isPermaLink="false">http://dkteleseminars.com/?p=76</guid>
		<description><![CDATA[We've seen more tax changes in 2009 than in almost any other year in history. Make sure your tax plan is up to date with the 2009 opportunities and pitfalls of tax law changes. Here's who needs this information...]]></description>
		<wfw:commentRss>http://dkteleseminars.com/opportunities-pitfalls-2009-tax-changes/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
<enclosure url="http://dkpods.s3.amazonaws.com/Opportunities_and_Pitfalls_in_2009_short.mp3" length="9161794" type="audio/mpeg" />
			<itunes:keywords>2009 tax changes,2009 tax law</itunes:keywords>
		<itunes:subtitle>We&#039;ve seen more tax changes in 2009 than in almost any other year in history. Make sure your tax plan is up to date with the 2009 opportunities and pitfalls of tax law changes. Here&#039;s who needs this information...</itunes:subtitle>
		<itunes:summary>We&#039;ve seen more tax changes in 2009 than in almost any other year in history. Make sure your tax plan is up to date with the 2009 opportunities and pitfalls of tax law changes. Here&#039;s who needs this information:

	* Anyone making over $100,000 per year in income
	* Anyone who itemizes their deductions
	* Anyone who has a business
	* Anyone who owns a home
	* Anyone who has real estate investments
	* Anyone who expects their income to go up or to go down in 2010.

If that describes you, this seminar could save you hundreds of dollars in tax.
Get 2009 Tax Opportunities &amp; Pitfalls Teleseminar - Only $9.95 - 55 Min MP3
(http://dkteleseminars.com/images/clicktoorder.gif)
Listen to the first 7 minutes free...</itunes:summary>
		<itunes:author>Diane Kennedy, CPA Speaks Out</itunes:author>
		<itunes:explicit>clean</itunes:explicit>
		<itunes:duration>9:33</itunes:duration>
	</item>
		<item>
		<title>Home Mortgage Update with Joe White</title>
		<link>http://dkteleseminars.com/home-mortgage-update-with-joe-white/</link>
		<comments>http://dkteleseminars.com/home-mortgage-update-with-joe-white/#comments</comments>
		<pubDate>Mon, 18 May 2009 16:48:23 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Real Estate]]></category>
		<category><![CDATA[home loan]]></category>
		<category><![CDATA[home mortgage]]></category>
		<category><![CDATA[joe white]]></category>

		<guid isPermaLink="false">http://dkteleseminars.com/?p=70</guid>
		<description><![CDATA[Most of us have never seen economic times like this for real estate.  Prices have plummeted in many markets, creating great buying opportunities.  But at the same time, the credit is gone or at least dramatically changed.  Where can you get money in today’s real estate market?]]></description>
		<wfw:commentRss>http://dkteleseminars.com/home-mortgage-update-with-joe-white/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
<enclosure url="http://dkpodsfree.s3.amazonaws.com/joewhite-s.mp3" length="6858003" type="audio/mpeg" />
			<itunes:keywords>home loan,home mortgage,joe white</itunes:keywords>
		<itunes:subtitle>Most of us have never seen economic times like this for real estate.  Prices have plummeted in many markets, creating great buying opportunities.  But at the same time, the credit is gone or at least dramatically changed.</itunes:subtitle>
		<itunes:summary>Most of us have never seen economic times like this for real estate.  Prices have plummeted in many markets, creating great buying opportunities.  But at the same time, the credit is gone or at least dramatically changed.  Where can you get money in today’s real estate market?

Loans for Residential Property in Today’s Credit World

You can count on a requirement of at least 10% down for the purchase of your principal residence.  If you’re buying investment property, you’ll probably need to come up with 15 - 20% down.

Credit scores (FICO scores) are more important than ever before. Figure on needing at least a 750 score to get the good loans.

The &quot;stated income&quot; loans are days gone by are gone now.  Everything requires a &quot;full doc&quot; loan, meaning you’ll have to provide copies of your tax returns plus financial statements.  It doesn’t mean that a self-employed person can’t get a loan, however.  You just need to make sure the mortgage broker you’re working with has a lot of experience.

Getting a Loan if You’re Self-employed

There are three steps for getting a loan if you’re self-employed:

	* Get the right mortgage broker.  Ideally find someone who has been in business since at least 1998.  That was the last time that we went through a credit market even somewhat like this.
	* Calculate all the &quot;add backs&quot; to determine true net income from your business.  Some common examples of add backs include depreciation, health insurance, travel and auto expense.
	* Have your mortgage broker prepare a LOX (letter of explanation) to accompany your application.  This letter explains your add backs.

Get Mortgate Update TeleSeminar - Only $4.95 - 59 Min MP3
(http://dkteleseminars.com/images/clicktoorder.gif)
Listen to the first 7 minutes free...</itunes:summary>
		<itunes:author>Diane Kennedy, CPA Speaks Out</itunes:author>
		<itunes:explicit>clean</itunes:explicit>
		<itunes:duration>7:09</itunes:duration>
	</item>
		<item>
		<title>Building Business Credit With NO Personal Guarantee</title>
		<link>http://dkteleseminars.com/building-business-credit/</link>
		<comments>http://dkteleseminars.com/building-business-credit/#comments</comments>
		<pubDate>Fri, 08 May 2009 17:32:08 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Business Strategies]]></category>
		<category><![CDATA[business credit]]></category>
		<category><![CDATA[credit score]]></category>
		<category><![CDATA[establish business credit]]></category>
		<category><![CDATA[improve credit]]></category>
		<category><![CDATA[improve fico score]]></category>

		<guid isPermaLink="false">http://dkteleseminars.com/?p=67</guid>
		<description><![CDATA[Discover the Eight Steps to Building Ultimate Business Credit Without a Personal Guarantee - 60 minute free teleconference.]]></description>
		<wfw:commentRss>http://dkteleseminars.com/building-business-credit/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
<enclosure url="http://dkpodsfree.s3.amazonaws.com/Business_Credit_Teleseminar_4-25v2b.mp3" length="28916008" type="audio/mpeg" />
			<itunes:keywords>business credit,credit score,establish business credit,improve credit,improve fico score</itunes:keywords>
		<itunes:subtitle>Discover the Eight Steps to Building Ultimate Business Credit Without a Personal Guarantee - 60 minute free teleconference.</itunes:subtitle>
		<itunes:summary>Do you use a personal credit card or pseudo-business card (which is really a personal credit card) for your business on a regular basis?  If you do, you’re like 65% of all small business owners and that means you have a big problem.

	* You have commingled your business and personal credit. That means all of your personal assets are at risk.
	* Your personal credit score (your FICO score) has been lowered.
	* If something happens to the business, you have damaged your personal credit history.

And, even worse, you’ve limited how much your business can grow. You can get 10 to 100 times MORE credit with business credit then you can personally.

And it gets better. You can build business credit no matter how bad your personal credit might be right now.

But you have to do it right. And that means following the &quot;Eight Steps to Building Ultimate Business Credit Without a Personal Guarantee.&quot;

Find out more from the man who wrote the book on it:  Marco Carbajo, founder of the TheNationalEntrepreneurClub (http://entrepreneur.live.subhub.com/affiliates?refer=20090428).
Click Here to Join (http://entrepreneur.live.subhub.com/affiliates?refer=20090428) the thousands of entrepreneurs who are profiting from one-on-one tips, training, tools, resources, and strategies in the National Entrepreneur Club. Discover how to build business credit, use social networking to increase sales and more. Much more!</itunes:summary>
		<itunes:author>Diane Kennedy, CPA Speaks Out</itunes:author>
		<itunes:explicit>clean</itunes:explicit>
		<itunes:duration>1:00:15</itunes:duration>
	</item>
		<item>
		<title>How To Audit Proof Your Tax Return</title>
		<link>http://dkteleseminars.com/audit-proof-your-tax-return/</link>
		<comments>http://dkteleseminars.com/audit-proof-your-tax-return/#comments</comments>
		<pubDate>Tue, 05 May 2009 17:42:23 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Tax Strategies]]></category>
		<category><![CDATA[audit proof]]></category>
		<category><![CDATA[irs audit]]></category>
		<category><![CDATA[tax return audit]]></category>

		<guid isPermaLink="false">http://dkteleseminars.com/?p=51</guid>
		<description><![CDATA[The IRS is on a major attack! They are now sending out audit teams to select groups of taxpayers. If they select you for audit, and you don&#8217;t pass the initial round of questions, you can expect a long, expensive process. The average IRS audit costs $5,500 in taxes. But, that&#8217;s just the beginning. You [...]]]></description>
		<wfw:commentRss>http://dkteleseminars.com/audit-proof-your-tax-return/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
<enclosure url="http://dkpodsfree.s3.amazonaws.com/audit0314s.mp3" length="7463626" type="audio/mpeg" />
			<itunes:keywords>audit proof,irs audit,tax return audit</itunes:keywords>
		<itunes:subtitle>The IRS is on a major attack! - They are now sending out audit teams to select groups of taxpayers.  If they select you for audit, and you don&#039;t pass the initial round of questions, you can expect a long, expensive process.</itunes:subtitle>
		<itunes:summary>(http://dkpodpics.s3.amazonaws.com/auditproof.gif)

The IRS is on a major attack!

They are now sending out audit teams to select groups of taxpayers.  If they select you for audit, and you don&#039;t pass the initial round of questions, you can expect a long, expensive process.  The average IRS audit costs $5,500 in taxes.  But, that&#039;s just the beginning.  You probably will have an additional $2,750 in penalties and interest.  Plus you can count on $2,000 or more for professional guidance.  If you fight the assessment, add another $10,000 or more in fees.

All told, that little IRS notice will probably mean you need to be ready to write a check for at least $10,000.

Learn how to avoid the red flags that are certain to mean an IRS notice with this 52:11 teleseminar by CPA and Tax Strategist Diane Kennedy.
Get TeleSeminar &amp; Transcript - Only $9.95
(http://dkteleseminars.com/images/clicktoorder.gif)
Listen to the first 7 minutes free...</itunes:summary>
		<itunes:author>Diane Kennedy, CPA Speaks Out</itunes:author>
		<itunes:explicit>clean</itunes:explicit>
		<itunes:duration>7:46</itunes:duration>
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