John Boehner Proposes Millionaire Tax Hike In Exchange For Steep Entitlement Cuts

WASHINGTON -- Signaling new movement in "fiscal cliff" talks, House Speaker John Boehner has proposed raising the top rate for earners making more than $1 million, a person familiar with the negotiations said. President Barack Obama, who wants higher top rates for households earning more than $250,000, has not accepted the offer, this person said.

The proposal, however, indicated progress in talks that had appeared stalled. The person would only discuss the plan on the condition of anonymity because of the sensitivity of the negotiations.

As part of a broader budget deal, Boehner is still seeking more spending cuts than Obama has proposed, particularly in mandatory health care spending. Boehner has asked for a long-term increase in eligibility age for Medicare and for lower costs-of-living adjustments for Social Security.

Boehner's tax proposal was first reported by Politico.

A Boehner aide would not comment on the report.

At issue are expiring tax rates that would automatically increase on Jan. 1 for virtually every income tax payer if Congress and the president don't act. Steep budget cuts are also scheduled to kick in, unless Congress and Obama agree to forestall them with other deficit reduction measures.

Obama has insisted on extending current rates for the 98 percent of taxpayers in household that earn less than $250,000. He would let the top two marginal rates increase from 33 percent to 35 percent and from 36 percent to 39.6 percent for those taxpayers making over that threshold.

Until now, Boehner had maintained his opposition to raising any rates. Instead, he had proposed to raise up to $800 billion in tax revenue over 10 years by limiting tax loopholes and deductions as part of a broad tax overhaul.

But the speaker and House Republicans have come under increasing pressure form a number of Senate Republicans who say they should yield to Obama's demand on tax rates and then press him for additional cuts early next year in exchange for an increase in the nation's borrowing limit.

Obama has proposed about $600 billion in spending reductions over 10 years, including about $350 billion in Medicare and other health care savings. But he has also proposed about $200 billion in additional spending, including aid to the unemployed and to struggling homeowners and for public works projects.

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Source: http://www.huffingtonpost.com/2012/12/15/fiscal-cliff-john-boehner_n_2308852.html

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Perfume makers create stink over EU allergy laws

Fabrizio Bensch / Reuters

An employee holds a Guerlain's perfume bottle at the KaDeWe department store in Berlin in this April 15, 2008 file photo.

By Reuters

PARIS - Luxury perfume brands fear the European Union is about to introduce measures that could cripple the $25 billion global industry in the name of protecting consumers against allergies.

New laws could severely curb or ban natural ingredients used in vintage best-sellers and put some perfume makers out of business.

But Brussels' proposed legislation - a draft will be unveiled early next year - is also causing a stir for another reason. It sheds light on the best-kept secret in the trade: many big brands have been tweaking their formulas for years.

"It is a taboo in the industry. People are scared to say anything about it," says Fflur Roberts, head of luxury goods at market research company Euromonitor.

Until now, changes to perfume formulas have come as a result of increasingly severe restrictions imposed by the industry's self-regulatory body, the International Fragrance Association (IFRA), though ingredient shortages or cost-cutting have also played a part.

A new Europe-wide law would force even more severe tweaks.

The brands most affected will be those which have been in the perfume industry for more than half a century, such as Dior, Chanel and Guerlain. All those fragrances use many natural ingredients and were created before scientists started looking into perfumes' potential health hazards. Chanel's No.5, one of the world's best-selling perfumes and named after its creator's fifth trial, was created in 1921.

Chanel declined to comment to Reuters on whether it has ever changed the formula of its world-famous perfume, as did Guerlain, Dior and luxury brand Hermes, which all make high-end perfumes using natural ingredients.

Most luxury perfume names do not want to disclose the fact that they have had to make tweaks to their scents for fear they could lose customers or damage their carefully nurtured luxury brand.

If new, even stricter rules are adopted, hundreds of perfumes would have to be reformulated with synthetic allergen-free contents. That, many in the industry fear, could threaten their business.

"If this law goes ahead I am finished, as my perfumes are all filled with these ingredients," said Frederic Malle, who owns high-end perfume company Editions de Parfums Frederic Malle. The impact on luxury perfume brands as a whole would, he said, be "like an atomic explosion and we would not have the means to rebuild ourselves."

Most fine perfumes are composed of a mix of natural ingredients and synthetic molecules. Perfumes are made up of a concentrate that is diluted with alcohol, usually from beetroots.

Paulo Whitaker / Reuters

An employee creates a fragrance in a laboratory in Granja Viana, 25 miles south of Sao Paulo in this August 2, 2012 file photo.

Since its creation in 1973, the IFRA, which is financed by scent makers such as Givaudan, New York-listed International Flavors & Fragrances, and Germany's Symrise, has restricted natural ingredients for a range of health reasons, from worries about allergic reactions to cancer concerns.

Many traditional essences that perfume creators consider core to their craft have been blacklisted in recent decades. Birch tar oil was removed from Guerlain's Shalimar several decades ago because it was thought to be a cancer risk. Clove oil and rose oil, which contain a component called eugenol, and lavender, which contains linalool, may only be used in limited quantities in case of allergies.

An estimated 5 million to 15 million people, or 1 to 3 percent of the EU population, who are allergic or potentially allergic to natural ingredients contained in fine perfumes, according to a report published in July by the Scientific Committee on Consumer Safety (SCCS), an advisory body for the European Commission.

Europe is not the only region to look more closely at the impact of fragrance. Earlier this year Republican lawmaker Michele Peckham from New Hampshire proposed a bill in the state House to ban state employees who have contact with members of the public from wearing strong fragrances.

The bill did not pass, but other lawmakers are considering reintroducing similar legislation. Meanwhile the city of Portland in Oregon has asked public workers and citizens visiting and using public spaces to limit their use of scented products.

Some hospitals in the U.S. have also introduced bans on using perfumes.

The SCCS, whose recommendations Reuters was first to report in October, recommended that 12 substances used in hundreds of perfumes on the market today be limited to 0.01 percent of the finished product, a level perfume makers say is unworkable. The SCCS has proposed a total ban on tree moss and oakmoss, which scientists say are strong allergens.

If the recommendations are enforced by the European Commission, IFRA estimates some 9,000 perfume formulas would have to be changed.

Patrick Saint-Yves, president of the French Society of Perfume Creators (SFP), is furious about the recommendation.

"I simply find that there is a huge contradiction," Saint-Yves says. "We encourage the use of many essential oils such as lavender in aromatherapy for massages, but we want to ban it in perfumes. Shops continue to sell alcohol and cigarettes which do much more harm."

Part of the problem is the secrecy surrounding perfumes. Most perfume brands are reluctant to label their products. Unlike artists and writers, perfume creators have no intellectual property rights to the fragrances they compose for big brands, and so perfume brands fight hard to keep their formulas hidden.

LVMH, which owns Dior and Guerlain, and Chanel are lobbying Brussels to protect their perfumes, many of which were created decades ago.

"It is essential to preserve Europe's olfactory cultural heritage," LVMH told Reuters in an emailed statement.

Givaudan and L'Oreal declined to comment for this Reuters report.

Ignoring the recommendations altogether would be difficult. The European Consumer Group (BEUC) has welcomed the SCCS's report as a "thorough and evidence-based study" that is a starting point for the decisions ahead.?

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Source: http://worldnews.nbcnews.com/_news/2012/12/16/15941682-luxury-perfume-makers-create-stink-over-europe-allergy-laws?lite

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Foreign Currency Trading | New Business Ideas and Concepts

Foreign currency trading is done in a foreign exchange market where one type of currency is exchanged or traded for another type of currency. Currency trading is regarded as the largest financial market in the world. Players participating in currency trading within a FOREX market are the large banks like Citibank and Deutsche bank, nationalized and government banks, multinational firms, financial institutions and investment companies. The daily volume of the present global forex market is around US $3 trillion. Given the huge size and high liquidity of the markets worldwide, small players cannot easily do trading in a FOREX market.

Trading within a market is done in levels, where a player in a level doesn?t have access to other levels. The top level is the inter-bank market comprised of large banks like Deutsche bank, Citibank, Union bank of Switzerland and other banks across the world. The top ten players sweep off 70% of the total business done in the FOREX trading. In the top level, the difference between the bid and ask price known as Spread is very minute and is not available to other circles outside. As the levels descend, the difference increases mainly due to the volumes traded. Level of access for a player is determined by the ?line?, the money with which one is trading. Currency trading has almost doubled today since 2001 mainly because of the recongnition of FOREX trading as an investment and asset class and also an increase in the fund management assets of pension funds and hedge funds.

Commercial companies do currency trading mainly to pay their customers for their good or services and trade in small amounts compared to large banks. Investment management companies do trading to manage the pension or endowment or investment portfolio of their customers and are usually in large amounts, because they have to invest in foreign equities for which they need to exchange currency to buy those equities.

Let us see the typical characteristics of a FOREX currency trading. Due to the over-the-counter nature, the currency markets doesn?t trade in a single dollar or a euro rate, but rather a different number of rate applicable only to that particular market. There is no central house or hub or exchange or clearing house as traders deal directly with each due to this OTC nature.? Usually these rates are close to each other; otherwise special traders called arbitrageurs take advantage of the difference in the rates and make huge profits out of it. Main trading centers across the world are in London, New york, Tokyo and Singapore. As the time zones differ, trading is done almost 24 hours a day. Fluctuations in the rate occur due to changes in the inflation, interest rates of banks, GDP growth, trade deficits and surpluses, cross-border M&A deals, economic situations, financial health and some other macro economic conditions.

Currencies are traded for each other and each pair of currencies is a separate and unique product and usually denoted by XXX/YYY. During creation, the XXX is known as base currency is the strongest and YYY the weakest. Today the US dollar is in almost 88% of the transactions followed by Euro (37%) and yen. The most traded pairs are Euro/US dollar, US dollar/Yen and GB pound/US dollar.

Trading is done through different kinds of instruments like derivatives, spot transactions, forward transactions, options and futures, swaps and exchange-traded funds. Currency speculation is done by speculators who do an important job of transferring the risk from those who can?t bear to those who can bear it. Speculators always face controversies due to the risk they take up. Currency trading is affected by some factors like economic and financial situations, political scenarios, and other psychological issues related to the markets.

Source: http://www.newbornrodeo.com/2012/12/foreign-currency-trading-2.html

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10 New Year's Resolutions for SMB Online Retailers in 2013 ...

1. Expand the number of channels you sell on: From eBay to Amazon all the way through to your own store sites. The more places your customers have the opportunity to view your products, the more you will sell. Companies like SellerExpress can help you list your entire product range across multiple online marketplaces as well as power your own store sales.
2. Go Global: Get serious about selling globally by listing products in local languages. ?Dip your toes in each individual market by listing a subset of your catalogue on a local online marketplace first (i.e. eBay Germany) before making a serious investment. Companies like InterCultural Elements?can help you translate your listings and advise on any cultural selling differences.
3. Optimise for Mobile: Think about how many hours you spend online on mobile devices each week and then give some thought to how your customers would like to access your site.
4. Get to grips with Email Marketing: Acquiring new customers can be very expensive. Retaining existing clients can be very profitable. You?ve undoubtedly collected a huge number of email addresses from new customers in the run up to Christmas. Email Marketing services like iContact?can help you maximize the potential from your customer lists.
5. Outsource?Fulfilment? Don?t let the physical size of your warehouse or the difficulties in hiring and firing staff to reflect the fluctuations in business throughout the year prevent you from expanding.?Fulfilment?services like?Fulfilment?by Amazon (FBA) ?can help you streamline your operation and ride the peak waves of ecommerce more efficiently.
6. Test and Optimize Everything: The returns from your paid search, email marketing and website conversion strategies could always be better. Take the time to test, learn and optimize everything. Don?t fall into the trap of benchmarking your success against your competitors ? they might be doing an awful job.
7. Drive Costs Down: Take advantage of the current economic climate and play hardball you?re your suppliers. A small discount on packaging, rent or shipping services can add significantly to your bottom line at the end of your financial year.
8. Don?t be a busy fool: Try to maintain margins at all costs. Don?t be forced into a race to the bottom. Hold your nerve, cut costs in other areas (see #7) and let your competitors discount themselves out of business.
9. Concentrate on what works first: Don?t abandon tried and tested marketing techniques for the latest (unproven) techniques. If email marketing or paid search works for you ? try and optimize these channels (See #6) and invest more heavily. Remember there is no such thing as expensive or cheap marketing. There is just marketing that works and marketing that doesn?t.
10. Invest in yourself: Internet technology allows us to automate a great many aspects of our business lives. Get things lined up and let them run. Watching figures rise and fall on a computer screen will not help you sell more (unless you take positive action to improve them). Try to finish work on time, spend some quality time with the family and enjoy yourself.

John W. Hayes will be running a full-day workshop entitled?Becoming THE Expert: Content Marketing Boot Camp?in?London?on February 13^th, 2013. Tickets for this event are extremely limited and can be?booked here.

Source: http://www.business2community.com/online-marketing/10-new-years-resolutions-for-smb-online-retailers-in-2013-0355785

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Workers Compensation Insurance and Independent Contractors

In the construction and mechanical industries?workers compensation insurance?(workers comp)?can be a severe expense.

Considering the current New York State crackdown (Check out this?CNN Money Article) on workers compensation insurance fraud, knowing whether the individuals on your job site are truly independent contractors or not can mean?Serious Bucks?to your business.

So as a general contractor in NY, how do you know who is really considered an independent contractor??

Unfortunately two answers that the NY workers compensation insurance board won?t accept include:

• Because that?s what he/she told me they were
• Because he/she doesn?t work for me

The following was taken directly from the?New York State Workers Compensation website.

These are the factors that a Judge will take into consideration when hearing a workers compensation insurance dispute.

In order to be considered an independent contractor you must meet ALL these requirements.

Identifying an Independent Contractor

For workers compensation insurance purposes according to New York State workers compensation insurance board in order for someone to be an independent contractor they must meet all the following criteria.

1. Obtain a Federal Employer Identification Number from the Federal Internal Revenue Service (IRS) or have filed business or self-employment income tax returns with the IRS based on work or service performed the previous calendar year;
2. Maintain a separate business establishment;
3. Perform work that is different than the primary work of the hiring business and perform work for other businesses;
4. Operate under a specific contract, and is responsible for satisfactory performance of work and is subject to profit or loss in performing the specific work under such contract, and be in a position to succeed or fail if the business?s expenses exceed income.
5. Obtain a liability insurance policy (and if appropriate, workers? compensation and disability benefits insurance policies) under its own legal business name and Federal Employer Identification Number;
6. Have recurring business liabilities and obligations;
7. Have its own advertising such as commercials, listing in phone book and/or business cards;
8. Provide all equipment and materials necessary to fulfill the contract;
9. Control the time and manner in which the work is to be done; and
10. The individual works under his/her own operating permit, contract or authority.

If you are general contractor in New York and you have people working on your job-site that do not meet all these requirements AND you are not paying workers compensation insurance premiums for them? Don?t be surprised if come audit time you get hit with a huge bill.

These workers compensation insurance auditors are not messing around.

How can I protect my business from Workers Compensation Insurance penalties?

You have three options:

1. Pay the workers compensation insurance premiums spread out over the course of the year so your business doesn?t feel such a drastic hit from the Audit Bill (Call us at (518) 456-6688 to learn about pay-as-you-go workers comp).
2. Don?t have that individual worker on your job site.? Find someone that meets the requirements above.
3. Have the individual purchase their own workers compensation insurance policy and have them provide you with a certificate and proof of payment.? This way you don?t have to pay workers compensation insurance premiums and he/she gets to continue working on your job.

I would choose option 3.

If you have questions about workers compensation insurance or you would like to receive a quote for workers compensation insurance please call us at (518) 456-6688 or click here to email us.

Source: http://www.murraygrp.com/workers-compensation-insurance-independent-contractor/

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On MyDeathSpace, Morbidly Curious Unpack Deaths, Profiles Of People They Never Knew

Each month, for hours at a time, Trav Edmondson finds himself browsing Facebook and MySpace profiles of people he's never met, people he'll never have a chance to meet.

They're victims of murders, car accidents, and suicides, and news articles and obituaries about them are collected with links to their social media profiles on MyDeathSpace. The site includes extensive message boards allowing people like Edmonson to analyze and discuss their passings.

"I've shared the site with other people, and they just think it's bizarre. Your average person would just say 'wow' or 'that's disgusting,'" said Edmondson, 33, of Richmond, Va. "But I think if more people paid attention to how people died, we would live better lives. We wouldn't be smoking, speeding, doing crimes, eating horrible food."

The growth of social media has opened up a world of mourning on the Internet, with millions of Facebook profiles alone that memorialize their late owners. Usually, online tributes to the dead are used by loved ones and family members, but MyDeathSpace is aimed at the morbidly curious: It maintains archives or links to 17,825 profiles of the dead and gets up to 11,000 visitors a day.

The site, launched in 2005 and named after MySpace, which was the most popular social network at the time, includes sections for "missing persons," "social networking criminals," people who are "found/no longer missing," and "mystery deaths," among others.

On Thursday, a user named "puzzld " posted a news article about Nicholas Wieme, a 23-year-old who died that morning after falling down a smokestack at the Intercontinental Hotel in Chicago. Police speculated the man had climbed the ladder near the smokestack to take photos, but users on MyDeathSpace were still investigating. Another user, AnnyBoo, replied with links to Wieme's Facebook account and a profile of him on a comedy website. A user named Nancy Drew chimed in with information about a friend on Facebook who may have known Wieme.

These kinds of cases first drew Edmondson to the site beginning in 2006. He's also a member of a Facebook page the site maintains, which has 11,362 "likes."

"I come from a family of police and detectives, so it's just a part of me to wonder what happens to people when they die," he says. "You can always go to the person's page and see how that person was feeling the date before they died, what was going through their mind depending on if it was a suicide, a murder or if there was anyone else tied into it."

Edmondson, who is a single father to an autistic 6-year-old daughter and is living with a degenerative bone disease, said reading about some of the more reckless causes of death on the site has made him more aware of his own mortality.

"It's changed my way of thinking. Ever since I started reading this site, I never have gotten a speeding ticket again. It's made me more paranoid and cautious," he said. "I don't want to die in some dumb way and leave my daughter behind. She'd be an orphan."

A sculptor who spends much of his time at home taking care of his daughter, Edmondson said reading so much about death has also changed his own views on his own death.

"I think some things should be respected. Like, if I had been suffering a terminal disease and my body was all mangled and people were mocking me online, that's horrible. That shouldn't go up there," he said. "But if I died in a murder, then yeah, that should be up there for the public to see and learn from."

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Source: http://www.huffingtonpost.com/2012/12/13/mydeathspace-death-facebook-social-media_n_2296496.html

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Drones for the Holidays

Prices given for these items reflect the listed retail price at the time of publication.

Just before the holidays in 2010, I reviewed a bunch of flying toys?planes, helicopters, and UFO-like drones that could take to the air indoors and out. That year turned out to be a turning point for radio-controlled flyers. Before then, RC planes were a trudge to assemble and very difficult to fly. Today?s models, by contrast, are tiny, agile, and packed with sophisticated electronic flight stabilizers that make them ideal for beginners.

Flying toys are now ubiquitous, and each year they?ve gotten better. A couple of weeks ago I called up Peter Li, who owns the flying store ThinkRC, to ask about the latest trend. ?Quadcopters,? he said. These birds have four rotors and a gyroscope that keeps them stable in the air. They?re slightly more expensive than traditional choppers, but because they?re bigger, they?re more airworthy outdoors. (Most tiny RC flyers can?t deal with wind.)

This year, I decided to try out more airborne toys, including two quadcopters. I evaluated the flyers according to these criteria:

Batteries: How long does it last on a single charge?
Airworthiness: How well does it fly?
Fun: Does it make you smile?

Each category is worth 10 points.

Air Hogs, Heli Replay.

Amazon.com

Air Hogs Heli Replay, $69.95 on Amazon.com
The Heli Replay is a standard tiny RC chopper with one trick up its sleeve?in addition to an RC controller, you can also fly it with your phone. The helicopter comes with a small infrared transmitter that you plug into the audio jack of your iOS or Android device. Once you install the Air Hog app, you can pilot the bird by tilting your phone.

That?s the theory, anyway. In reality, the smartphone control is worthless. The app didn?t work very well?it crashed often on my iPhone 5?and even when it did, using the touchscreen was less intuitive than the real controller.

But even with standard RC controller, the Heli Replay was hard to fly. I could get it to go up and down easily, but it had trouble going forward. (It would fly at odd angles and then slam into the wall.)

Batteries: 6 points. The controller uses four AAs. You plug the helicopter into the controller to charge it up?a 30- to 40-minute charge gives you about 5 minutes of flying time.
Airworthiness: 6
Fun: 5
Total: 17/30

Syma Helicopter.

Amazon.com

Syma S107, $25.98 on Amazon.com
Back in 2010, the S107 was my favorite tiny RC helicopter. It was well-built, cheap, and because it has an on-board gyroscopic stabilizer, it is exceptionally easy to fly. For a beginner pilot, there?s nothing better to start with.

Li, of ThinkRC, told me that not a lot has changed in the last couple years. The S107?which ThinkRC sells for $24.95?remains his best-selling entry-level RC flyer. Its everlasting popularity has made it even better: If you fly your bird enough you?re bound to crash it fatally, but now there?s an endless supply of spare parts that will allow your S107 to last forever.

Batteries: 7 points. The controller uses six AA batteries. You can charge the helicopter either by plugging it into the controller or into a standard USB adapter (like your smartphone?s charger). A 20- to 30-minute charge gives you about 5 minutes of flying time.
Airworthiness: 8
Fun: 7
Total: 22/30

Syma X1 Quad Copter.

Amazon.com

Syma X1 RC Quadcopter, $35.99 on Amazon.com
I loved this thing. Like its helicopter, Syma?s quadcopter is very stable and easy to fly, but it?s got a couple advantages that make it worth the extra $10.

First, it flies pretty well outdoors?it keeps relatively steady even in a slight breeze that would down standard RC choppers. (In a stronger wind, though, it?s toast.) Second, it?s more maneuverable. Because it has four radio channels, it doesn?t just fly up and down and forward and back?it also goes sideways. (Most tiny RC helicopters can only fly forward. Some, including the S107, can do reverse, too, but only the few with four channels can also go sideways?and they?re often difficult to control.)

Finally, the quadcopter can do midair flips with the push of a button. Your friends will drool!

Batteries: 7 points. The controller takes four AA batteries. You charge the quadcopter by plugging it into a computer or a standard USB adapter, which isn?t included. A 30-minute charge gives you about 5 minutes of flying time.
Air worthiness: 8
Fun: 8
Total: 23/30

Parrot Drone 2.0 Quadricopter.

Amazon.com

Parrot AR.Drone 2.0 Quadricopter, $299.99 on Amazon.com
Two years ago, I decreed that the Parrot Drone far and away my favorite flying toy. ?This thing is insane,? I wrote of its spectacular specs?two on-board cameras, a bevy of flight sensors, stabilizing gyroscopes, and even an auto-pilot computer. Now Parrot has updated the Drone with better components. The new drone has a high-definition, front-facing camera (spy on your neighbor with better fidelity!), an altitude sensor that allows the bird to fly more than 100 feet high (the old version topped out at 20 feet), and a new flight-control system that allows for even more intuitive control. It even does midair flips.

You control the Parrot Drone with your phone or tablet?it works with iOS and Android devices. Flying is like playing a video game: While holding down an on-screen button, you tilt your phone in the direction you want the device to fly. All those sensors and processors keep the drone extremely stable, so unlike every other remote-controlled flying toy, the drone goes exactly where you want it to. When you let go of the controls, it keeps its position fixed in the air. It can do so even in a slight breeze?and when a stronger gust pushes it off course, the drone will usually recover to its former position. (I mainly flew the drone outdoors; it?s technically capable of flying indoors, but it?s so big that you?d have trouble doing so even in a McMansion.) ?

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