Before we get too late in the month, let's find out how my friends juggle it all. I asked them this.

“The holidays are such a busy time of year, so it got me thinking about balance.

Between shopping, decorating, business… family – how did you handle it all? Got tips for my readers?”

I think you'll find the answers this week interesting and helpful.

Jason Fladlien of Wishy Washy Guru (<-You know you gotta click that one) says:

For this busy time of the year… I actually get more done believe it or not. Because everyone else takes a break, they are not lined up to speak to me or need my time as much… plus with the family off of work they have more free time

I like to focus more on internal stuff and preparing for next year instead of going external marketing. But December is a great time to launch products because most people don't do it…

Jeanette S. Cates, PhD of Plan Your Online Business says:

Balance between business and personal lives is a challenge at any time of the year – but particularly during the holiday season. I've found that I prefer shopping late in the evening, after I've finished “work” for the day and had dinner with my husband. The stores are less crowded at that time of day and that's a high energy time for me. Other people are in bed at midnight as I'm closing down the stores!

I'm also doing most of my first round shopping online. As a family we “post” our Christmas lists on Thanksgiving day, so it makes it easy to pick out things you know people will like. Since we encourage everyone to be specific in what they want, they sometimes even include the store and catalog number! So right now my living room is piled with boxes of gifts to be wrapped (my husband's job – did I mention delegation?)

For my business, I preschedule blog posts and tweets. Plus my assistant tweets reminders on things several times per week. I also preschedule email broadcasts (to coincide with the blog posts and other announcements). I try to work a couple hours a day, generally in the morning, so I have the rest of the day “off” for personal fun. After all, we're working this business to have more personal freedom. NOW is the time that pays off!

Starting around the 20th of December, my assistant will only check the help desk once a day and go through email once a day. On Christmas we don't turn on a computer (except for video games with the grandkids!). Then the “quiet week” between Christmas and New Years I'll crank back up full-time. It's a GREAT time of year to get things done!

Kelly McCausey of Solo Smarts says:

I don't believe in balance in the sense that many people talk about it. Sure, you can forecast a perfect balanced schedule, but life doesn't usually fit into your expectations. Rather I believe in having well considered priorities and making choices based on them.

For this empty nest season of my life, I get to be my main concern quite a lot and I'm taking advantage of it. I focus a lot of time on my self care, going to the gym, eating right, etc.

My family is always a priority. I have a whole day every week set aside to be available to them. My calendar booking tool won't let you set up an appointment on that day. I have breakfast or lunch with my step-dad and I'm free to visit other older relatives.

These loved ones are precious and I've no guarantee that they'll be there for me to visit next year or the year after that – so they've got to be a priority now.

As far as the holidays go, I've played it very low key up to now. Not a lot of shopping, definitely not spending a lot of money. My gift to others this year is my time and undivided attention – and home made goodies of course. Future holiday seasons may not be so laid back so I'll take advantage of this one for sure!

Kevin Riley of  Blogpreneur Training says:

Fortunately, I live in Osaka, Japan, where we aren't affected by the whole Christmas madness. However, the commercial aspect of Christmas has been making inroads over here in the last few years.

Rieko and I only buy one present each for each other – just something small that we know the other person will enjoy. In this way, there's no pressure to get some big gift, just for the sake of giving a big gift. I'm very happy to be away from that whole gift exchanging thing, and just buying each other a little treat. It really frees up Christmas for just enjoying the season. BTW, this year, I bought Rieko a DVD of a season of Friends, which she loves (Shhh. Don't tell her.)

As for decorating, we only put up a tiny tree and a handful of decorations. When I say tiny, I mean tiny– about 18 inches tall. Next week, we'll make a gingerbread house, which rounds out our decorations and also gives us something to nibble on.

Tips for you? Keep it simple. Focus on just having an enjoyable time with your family. Take stress out of the equation and you can have so much more fun this Christmas. Rather than big presents, give your family your time.

Tiffany Lambert of  Work Life Balance says:

Balance is a tough one for me, but I handle everything so I must be doing something right!

For me, what works best is an all day work schedule. Some people prefer to have a set business time, but I feel less stressed if I have the luxury of starting and stopping work in between other tasks that need to get done.

Some days nothing much gets done. The Thursday before Christmas, I spent the first part of the day at my younger kids’ school participating in school events – and then brought them home for my oldest son to watch while I went and did more shopping for six hours.

How did I manage work that day?

My iPhone. I approved and responded to blog posts while standing in those long, grueling lines at the mall. I answered emails when I got back in my car between stores. If I don’t stay on top of things, then it gets out of control and becomes overwhelming to me.

Doing a blog reply here and an email reply there is easily doable.

Regardless, the key is not to beat yourself up if something doesn’t get done – whether that’s part of your home life or business world.

Guilt is debilitating, and you have to enjoy the fact that flexibility is what this career is all about. No one tells you what to do or WHEN to do it. If you need to push work aside until 8 PM because you’d like to enjoy decorating the Christmas tree, then do it! Those are precious family moments and no amount of work or productivity can replace that.

I will say that balance is much more achievable when you have residual income streams that work for you when you need time off for other things. If you're always working as a service provider, then every second you spend not working is a boulder of stress on your shoulders.

Nicole Dean of .. here! .. says:

This is the most wonderful time of the year… and the most stressful, too.

In addition to all of the craziness that I already have, my daughter is in the annual production of Christmas on the Coast, here in town. So, I'm in the dressing room under the stage by the pit – and my hubby is doing props for an entire week. But, she loves it – so it's worth it.

By the way, if you're in Pensacola, come see the show.

So here are some things that I do to try to keep myself mostly sane this week.

1. Cut me some slack, Jack.

I try really hard to cut myself  a break during the holiday season, and just flat out do what I can and not stress too much over what is left undone.

2. Take Advantage of Amazon Prime.

Amazon Prime is truly one of the best inventions on earth. I can order pretty much anything and get it shipped anywhere in the USA in 2 days for free. This means that even if I don't start my holiday shopping until mid month, I'll be fine.

3. Presell a New and Exciting Course.

I'll be teaching a Passive Income Course in January with my friend Melissa Ingold. So, we started preselling it this month.

That gives four big benefits:

• I get to finish the year strong,
• My affiliates have a way to easily earn some quick money promoting something NEW that people will love,
• My students get the tax break of paying by the end of the year (and also a discount for buying during the launch), and
• We all get to start the next year with a fun and exciting project to look forward to.

4. Embrace Routine, but Call it Tradition.

I've read that some of the most successful people on earth have a very limited closet of clothes. Like they buy the same darned thing so they don't have to waste valuable brain power on such menial tasks as deciding which socks to wear.

I've realized that I do much better if I do the same.

For instance, this Christmas, I won't be searching Pinterest for a  new and fun way to make mashed potatoes. I'll use the same recipe that I've used every year for the last 10 years.

Now that's not to say I don't LOVE Pinterest and enjoy trying new things, but with everything else going on, now is not the time for me to be messing around with new stuff. You follow?

So, I'll be making my SAME spinach dip that I make every year, my same mashed potatoes, my same green bean casserole, and the same old can of wiggly cranberries out of the can.

Now, my husband and kiddos are totally free to come up with whatever dishes and desserts they want to eat.  But, as for me, the one who is responsible for all the holiday shopping, plus the business, plus the kids school and staying on top of everything? I have to just let myself have the “tradition” of knowing exactly what I have in front of me for Christmas dinner.

5. As for Business – Follow the Money.

I encourage my coaching clients to do this and I'll encourage you, too. KNOW where your money is coming from and focus on that, especially in times of added stress.

• If you make your money from publishing a new Kindle book – then do that.
• If you mail your lists daily and that's where the majority of your income comes from, then by golly, don't be messing with a webinar this month.
• However, if you know you can run one webinar with a trusted partner, make enough for the whole month and then be done with work – then do that.

Of course, the above also applies to where you're investing your outsourcing dollars. Put them where you'll get the highest ROI.

6. Planners Profit.

PLAN out the rest of the month now, if you haven't already. In writing. You know, with a paper and pen and a calendar of some sort – so you know what you've got to do and how much time you need to accomplish it.

7. Your VA has a Life.

Understand that your helpers have a life, too. Make sure you're setting them up so they have a happy holidays, too. Do this by planning ahead, posting your hours on your customer support site, and being extra careful of the timing of new promotions and coupons – so there isn't a glitch on the 24th of December that puts everyone in a panic.

8. Take Care of You!

The extra holiday stress can bring your immune system down. Take care of yourself so you're not spending Christmas morning with a thermometer in your mouth instead of a piece of pie.

9. Remember the Routine? Recycle, too.

I post the SAME blog posts this time every year with minor edits.

For instance, you'll see these posted here nearly ever year since 2008:

• Blogging Calendar
• Save on Taxes

Streamline and make your life easier – by hitting that ‘copy post' button on your blog and reworking your eagerly anticipated Annual Posts. (Remember Tradition is a good thing.) Or as my friend, Sean Platt said in a presentation that I heard him give. “Become a habit”. I hope and pray that my audience looks forward to these annual posts and anticipates them each year.

10. Don't forget to Spend.

Spend some extra money in your business by the end of the year for tax breaks, but I meant something different.

SPEND time with the ones who you love. Put down that blasted phone (unless you're taking pictures with it) – and experience the moments that you are blessed with. Work can wait and it will be there when you get home.

11. Have your Priorities Straight. 

I always tell my coaching clients this:

Remember, it's freaking ONLINE BUSINESS. We're not the ones flying the heart to the transplant. We are web publishers, social media managers, authors, coaches, and bloggers. The world CAN wait to hear back from us in 99% of the cases. But you only get one shot at Christmas 2013 – so enjoy it!

Warmly,
Nicole Dean

PS. This is a great opportunity to tell you about Tiffany's new product. Check out Work Life Balance to get a good butt-kicking about making sure you keep your priorities in line

I just returned from an amazing weekend at the NAMS Workshop in Atlanta where I spoke/taught as well as spent a bunch of time in the one-on-one room giving attendees 15 minute clarity sessions. I also got to relax and enjoy time with my friends and meet new friends, as well. (More on that, though, soon.)

As I was in the airport waiting to head back home, I thought of a great question.  This is what I asked.

“What is your biggest tip for those of you who fly often to make life easier, be more comfortable – and/or to earn the most out of your trips in the way of frequent flyer miles, etc?”

I hope you enjoy the responses. I did.

Rachel Rofe of How To Get Every Book You Write Onto The First Page Of Kindle says:

1. Get an AmEx Platinum card! This gets you into all their lounges at airports. SOOO great – you get outlets, extra room, business centers, free food/drinks, and lots of other goodies..

2. Those Xpress Spa stations at the airport = my favorite invention of the month. 25 minute manicure as you sit on an EPIC massage chair. Love.

3. If you go on American Airlines, splurge for the extra legroom and go for aisle 8. You get exit-row legroom (right behind first class) and you get off the plane sooner. (Side note: I got this entire row to myself. WOOHOO!)

Jeanette S. Cates, PhD of Plan Your Online Business says:

I consider travel time “my” time. So while others are stressing about a flight delay, I'm relaxing with a book I've been too busy to read or downloading a new app I can play with. That takes all the pressure out of the trip.

I also have a standard packing plan – for 3 day weekend events, my mastermind meetings, and week long trips. So when it's time to pack up, I print the appropriate packing list – and relax, knowing I won't forget anything.

I always check my bags. No sense in stressing about overhead space or working around things under my feet. If I'm traveling with a computer, I use a rolling bag to save wear and tear on my back. But increasingly I tuck my mini-ipad into my purse, pack the keyboard and we're off!

I use my noise cancelling earphones on the plane and generally start with a relaxation audio so that I'm in the right frame of mind for creative thinking. This time on the road is great for letting new ideas come out. But if you don't give yourself the “time space” you'll never get those deep ideas.

Enjoy the trip!

Kevin Riley of  Blogpreneur Training says:

Avoiding jetlag. I love traveling and have been taking intercontinental flights since I was a kid. One thing that I do, which IMO leaves me without any jetlag (I'll fly from Osaka to Switzerland – an 8 hour time difference – and easily adjust to the local time instantly), is to stay awake.

I stay awake most of the flight (with just a 1/2-hour catnap somewhere over Asia) and watch a ton of movies. I'll get inspired and start writing stuff in a notebook (my popular Recipe For Commercial Videos was conceived on a flight to Austria in 2008, when I saw a German commercial on the plane). I eat all the airplane meals (yes, I'm brave that way), have a few drinks (a little alcohol is always nice, but I don't get carried away – except for that one flight to Calgary in 1978), and I drink tons of water (get them from the tray coming around and help myself at the dispenser near the kitchen). Very important to stay well hydrated, as airplane air is dry.

When arriving at my destination, I do NOT go to sleep or even take a nap if it's still afternoon or early evening. I always stay up until 10-11 pm, no matter how tired I am. This way, I get a good sleep, wake up refreshed at the local time's morning, and get right into the swing of local time.

Mark Mason of LateNightIM.com says:

I travel all over the world for my day job. On any given week, you can find me podcasting from a hotel in Taipei, Taiwan or blogging from an airport in Bangalore, India. As a result, I am constantly on the lookout for power to charge my iDevices.

By far the best travel gear investment that I ever made was when I bought a HyperJuice battery. This external battery can charge my MacBook Air, my iPhone and my iPad (or any other USB device). I just charge it up before I leave home (or the hotel) and put it in my backpack. That way, I never run out of power on the go.

By the way, a great Swiss Backpack made for laptops is another travel godsend. Don't leave home without it.

Felicia Slattery of Signature Speech Secrets says:

As you know, I had a rough go of it with my health last year, and all work, including business (or other travel) screeched to a halt. However, I found my frequent travel tip also worked for my stays in the hospital as well.

In my career as a professional speaker, I have traveled to loads of events across the country. And I find a few things with regard to packing make life so much more fun!

1. Master Travel List
Several years ago, while I was on an organizational kick, I read about creating master lists for everything. The only one that's stuck with me to this day are my travel lists. I even created travel lists for my kids so when we go on family vacations I can simply print a list for each child and check things off. For my work, it's been such a time-saver because instead of re-inventing the wheel every single time I have to get ready to leave, I simply print my list – which I like printed on actual paper rather than on a device – and start checking off what I need as I pack it.

2. Pre-Packed Toiletry Bag
The one time I didn't follow through on this, I ended up speaking at an event right after the amazing, late, great Zig Ziglar; we were in Florida (humid-city, as you know) and my wild wavy hair was without hair spray. So on the most important speaking day of my career, I had a bad hair day. I learned to never again skip this tip for myself. Of course before a trip, things are crazy busy, and there's always last minute work things going on. But after a trip, you can arrive home and take a deep breath and regroup. Part of my regrouping and unpacking process involves assessing everything in my toiletry bag and refilling or replacing everything before putting it back into my closet. Then it is ready to go for the next trip and all I have to do is pull it out and pack it. Part of this tip includes having doubles of everything I need; one for daily use, one for travel use. So I have my regular daily toothbrush, for example, and I have another toothbrush already packed in my toiletry bag. Same with deodorant, shampoo, conditioner, gel, razor, shaving cream, dental floss, toothpaste, soap, comb, brush, and yes hair spray. If I'm running low on anything, I add it to my grocery shopping list and when I get home from shopping, I refill or replace what's needed and then store the bag until the next trip. Then before a trip when I'm running around at the last minute with everything else, I don't have to worry about stopping somewhere to pick up more deodorant. It's ready to go and totally stress-free!

3. Pre-Packed Suitcase
Now I don't go as far as having all my clothes in a bag ready to go, but like the toiletry bag, I have a few things I bring with me on every trip. So I re-stock when I get home from the trip, so when it comes time to add all my clothes, I don't have less to remember. I keep a set of workout clothes packed, a bathing suit for the hotel's hot tub after a long day, a pair of my favorite comfy socks to wear at night – because every hotel room is freezing to me, etc. That means fewer items for my master list and fewer things to throw together when I have to leave.

4. Pre-Packed Briefcase/Business Bag
Are you seeing a theme here? After I get home I re-stock my business cards, neatly arrange my extension cords that I threw in the bag after the event while rushing to get back to the airport, check to see if my pens still have enough ink, and make sure I have a clean notebook ready to go for the next time I have to make a dash out the door for the airport.

Dr. Mani of How to Set Goals says:

My biggest tip is really a “non-tip”. Before flying, ask yourself if you really have to! The answer to that question is “No” so often, that I've rarely found myself on board an airplane for anything other than on a holiday trip

We often hurry and rush around to keep “doing” stuff that we rarely ask if there's an alternative or work-around. With communications technology becoming so wonderful,
there are few circumstances where, at least as an online entrepreneur, you're forced to travel anywhere at all.

Connie Ragen Green of Affiliate Marketing Case Studies says:

The smartest thing I did last year was to apply for a security clearance through the Global Entry – http://www.globalentry.gov/ – program. This program is open to all United States citizens and the cost is only one hundred dollars every five years.

I travel extensively these days, and during 2012 I flew thirty-six times, including domestic travel and international travel to China, Thailand, Finland, Costa Rica, and the United Kingdom. This program made it all go smoothly and saved me lots of time, while also reducing the stress that can be associated with flying these days. Many times I do not have to remove my shoes, jacket, or laptop, and I no longer wait in line or fill out customs forms.

More and more airports around the world are now recognizing this program, and I do not think it is too much to ask of us to take this extra step to ensure our safety and the safety of others.

Karon Thackston of Step-by-Step Copywriting Course says:

Oftentimes, what I DON'T take is as important as what I do take. I'm not known for packing light (all those shoes take up space!) so I try and save inches wherever I can. The better hotels have great brands of shampoo, conditioner, body lotion, etc. in the room so I leave all those bottles at home and use what's provided by Marriott, Hilton or wherever I'm staying.

I also don't bring a lot of cash. Practically every place along the way takes credit or debit cards from the parking lot to the food kiosks/restaurants at the airports. I carry a little moola for tips and whatnot then put everything else on the card. Not only do I not have to worry about running out of cash or paying ungodly ATM fees, but I get extra bonus points for using my cards. Plus, it's very easy to keep up with my expenses since they all appear on my statement every month.

Nicole Dean of .. here! .. says:

I don't fly as much as some of my friends, but I do travel more than many people (averaging 6-12 trips per year between personal/family and professional), so I've developed systems to make the travel less stressful.

Standard Printable Packing List. I have a standard packing list that I print before every trip.  I cross off items as I put them into my backpack or suitcase and it ensure that I don't do anything silly like leave my cell phone, charger, favorite lip gloss, wine opener or prescription behind. I highly recommend you do this as forgetting something important can stress out your trip as you're running around trying to get it replaced.

Standard Luggage. I use the same backpack (with the laptop pocket in it) for every trip. That way I know which pocket has my passport and itinerary, which pocket contains my earplugs, where my money is, and where I can quickly access my iPad to read on the flight.

Standard Travel Clothing/Patterns. Personally I like routine when I travel. I check my suitcase now so that I can put all my liquids (shampoo, etc.)  in it and not have to worry about it. I wear sneakers/gym shoes because it's easy to run through an airport in comfy shoes and my feet are warmer on the plane. I pack my belt so I don't have to take it off during screening. I have my prescription in my backpack in case my suitcase gets lost. All the usual stuff – just makes it much easier for me to relax, especially when coming home from an event when my brain is super tired.

Know What Stresses you Out. If going through security stresses you, then just check your main suitcase and strip down to essentials before you get into the line. (Taking everything out of your pockets, removing your belt, etc., before you even head into the security area.) For me, the noisiness of the plane rattles me. Therefore I actually wear double earplugs. I have one set in my ears. One pair over them. This relaxes me quite a bit.

Always Be Earning the Points. One thing I'm definitely slow on the uptake on is earning points. This past weekend, Connie and David Perdew each invited me up to the Concierge area at the Marriott where we were staying to talk. There was food and service up there and personal guests were welcome. DUH. I stay there often enough now that I certainly *should* be racking up points with them. I'm now all signed up.

Get Loyalty Points at the Airport. I just found out this weekend that some of the airports have loyalty cards. So if you fly through Atlanta (or to Atlanta) a lot like I do, I just register with them and I can earn Delta miles or other miles just for buying stuff like water or meals. Cool. http://thanksagain.com/ for instance, http://thanksagain.com/atl is the Atlanta one.

Well that's what I've got for you today off the top of my head. What is your biggest tip for relaxed travel when going to events like NAMS?

By the way, I hope to see you there in August. I'll be there! Click here to join me.

Best of luck.
Nicole

This week I asked our panel of experts the same thing I asked last year and the year before …

“If you made more money this year than last year, your quarterly taxes probably won't be enough to cover what you owe (since you'll owe more), assuming everything else in your life remains the same. (Unless you added a deduction like a baby to your family or something…)

Quick explanation (with totally hypothetical  numbers):

• Let's say that you made $30,000 in 2011. Your quarterly taxes that you pay in 2012 might be then set at $2000 every 3 months. ($8000 for the year)
• Now, what if you made $60,000 in 2012 – and you're only paying $2000 every 3 months, then come April, you may have a day of reckoning. (You will have paid $8000, but then may owe as much as another $8000 for taxes on the added income.)
  

So, you'll owe a chunk of money in April.

At the end of the Year, because I've been fortunate enough that my income has grown every year, I Normally End up Making Several Large Purchases in Order to Decrease my Taxable Income for Next Year.

Do you have ways you reduce your taxable income? If so, what kinds of things do you purchase?”

I think you'll find the answers this week interesting and helpful in your business tax planning and preparations.

** Note: Contact YOUR CPA/Financial Adviser before making any decisions. The following people are not professionals in regard to tax laws.

Jeanette S. Cates, PhD of Plan Your Online Business says:

Actually I AM an accountant! That was my Bachelors' degree. My first business was a bookkeeping and tax service that I “invented” so I could write off my first computer. Happily, I sold that business for a nice profit 3 years later. But taxes remain a hobby for me.

Okay, if you're still reading (and not laughing at that “taxes as a hobby” comment), the secret to tax savings is timing. You don't necessarily WANT to reduce your taxes this year. If you're new in the business, it's likely that you'll make more next year and need more deductions. Likewise, there's a good chance that tax rates are going up, if the government has anything to say about it. So again, you may want to defer those expenditures until January.

But if you do want a deduction this year, here are a few easy ones –

• Office supplies (stock up!)
• Phones and tablets, if used more than 50% for business
• Contractors and employees (pay before the end of the year – they'll love it
• and you get the deduction)
• Affiliate payments (pay them at the end of December for sales to that point.
• Welcome money for them – deduction for you).
• Donations – always in season!

Kevin Riley of  Blogpreneur Training says:

Since I live in Japan, I'm dealing with a tax system that differs quite a bit from what I dealt with in North America. However, some of the following advice (especially, to keep all your receipts) probably applies in all countries.

One benefit we enjoy in Japan is the no-limit entertainment expenses deduction. Due to our culture of entertaining prospects and customers, the Japanese tax system does not limit you on how much you can deduct for entertainment. Therefore, any time I go drinking, eating, or otherwise spending money in a fun way, I ask for an official receipt (ryoushushou). Find out what you can deduct, and make it a habit to always save your receipts.

Since my office is in my home, I also can deduct a percentage of all home expenses from my income tax. This means that I can deduct a percentage of rent, water, electricity, and grounds maintenance fees. This is a deduction I also enjoyed in Canada, so look into it for where you live. This can make a huge difference in the amount of tax you pay.

Jason Fladlien of Wishy Washy Guru (<-You know you gotta click that one) says:

It took me a long time to realize leasing a car – at least for my business and my perspective – was actually a better deal than buying a car… I was always raised that leasing was dumb and it's true if you can't set it up to be a business deduction… but if you do it right with your accountant's guidance, it might actually be worthwhile for you to consider…

Nicole Dean of .. here! .. says:

Hey guys! I posted about this topic two years ago and last year, and had my friend, who is a financial adviser help, too.

So, I'll resurrect that blog post because it contains some really good tips.

Here it is…

If you made significantly more money with your online business this year than you did last year, CONGRATULATIONS! That's wonderful news.

However, next year at tax time you might not think so — if you've got to come up with an extra $17,000 to fork over in April like I did this year.

Basically, it comes down to how much money you made (which is the overall amount that you took in minus expenses). That’s what we’re taxed on.

Last year, in December, I purchased approximately $5000 in advertising and paid my affiliates early and prepaid some subscriptions in order to lessen my income. (The expenses get subtracted from my income so my overall income would be less — therefore less taxable income.)

So, since advertising is an expense, I choose to spend money on it, knowing that it’ll pay me back (and then some) the following year.

As to how much is the right amount for you to spend… you’d have to run those numbers with your CPA/Accountant. Normally I spend a bunch in December, then we run the numbers again in January to see how much I should put into my SEP (which is like a 401K) to give me the best tax breaks in April.

WARNING!!!! Don’t go spending money you don’t have on things that you don’t NEED. You’re still spending money.

However, if you plan to buy things anyway.. or have a birthday coming in February like I do and want to treat yourself to some business items, then buying early can be a smart move – especially if you're planning for growth for next year.

For instance, I do some consulting for high level marketers on their affiliate programs — and I've gotten more than my regular amount of requests this month — probably because they're planning for next year. So, why not have them prepay and save on their taxes?

Now, I’m not a tax adviser (nor a doctor nor a lawyer), but I do know a CFP & CPA who I asked for advice.  So, here she is Kristine McKinley in an interview I did with her and posted in 2008:

Kristine McKinley says…

You definitely have the right idea. If your business income is up this year, then you want to do some year-end tax planning to try to reduce your taxable income for the year.

You basically have two options: you can defer income into the next year, or accelerate expenses into this year.

If you’re not sure how to do that, here are some tips to reduce your taxable income:

Defer income:

if you are self employed, one way to reduce your taxable income is to defer income. You can do this by holding off on billing clients until after 12/31. Or if you were planning a teleclass or a big product or service launch at the end of the year, you could hold off until January.

Accelerate expenses:

– Software: I know I’ll need tax software in the next month or so, so I can choose to purchase it in 2008 if I want to accelerate my expenses, or if I think my 2009 income will be higher, I can wait until Jan 1 to buy my software

– Supplies: same concept; any supplies I know I will need for tax season I’m going to buy now to reduce my 2008 income.

– Furniture and equipment: do you need a new computer, an external hard drive for backup purposes, a new chair for your desk?

– Web hosting or domain renewals: do you have any domains that will be expiring soon? Renew them now instead of waiting until they expire.

– Office supplies, shipping supplies, computer supplies: basically stock up on any supplies that you use on a regular basis in your business before the year is over

– Continuing education or classes to improve your business: if you are required to take continuing education, or if you just want to take some classes to help you improve your business, signup and pay for the class before the end of the year so you can deduct it on your 2008 taxes.

– Membership sites: if you’ve been sitting on the fence about joining any membership programs (Shelancers for example), signup before Jan 1 so you can deduct the fees on your current year tax return. Even better, if they offer a lifetime membership fee, choose that option to save money and to take an even larger deduction on your tax return.

– Do you need any work done by web designers, VAs, or other independent contractors? Consider prepaying them for work that you expect them to do in the next 30-60 days. Don’t forget to send them a 1099 if you pay them $600 or more during the year.

– Affiliates: do you usually pay your affiliates on the 5th of the month? Consider sending them their December commissions on 12/31 instead of waiting until Jan 5th.

– Donate to charity: while donations to charity won’t reduce your business income, they will reduce your total income, so consider donating cash, services or goods to your favorite charity before the end of the year

Basically, any expenses that you expect to incur in the next few months that can be accelerated into 2008 will help reduce your taxes for 2008.

One other strategy that every self employed person should consider is funding your retirement account. However, you have a little more time for this strategy as the deadline for most retirement contributions (to IRAs, Roth IRAs, Simple IRAs, etc.) is April 15.

Here are my recommendations for some items you might purchase (based upon my favorite things)…

They are also products that I personally use in my online business.

For when you’re on the go.

• Kindle or Nook – Read and learn on the go.
• mp3 Player – More Learning on the road. (Be sure to load up my podcast.)
• Cell Phone.
• Headset for your Cell Phone. I love my headset. I can use my cell as an mp3 player while I walk the dogs (and still feel good about having my phone on me).
• iPad. I keep mine in my purse. It’s so much easier than carrying around a laptop.
• Good books – just in case you get trapped on a Deserted Island.
• Comfy office chair or a Lazy Boy Recliner for your office.
• Noise Cancellation Headphones. (I have some. They’re weird.)

Software.

• Camtasia
• SnagIt
• Photoshop
• GotoWebinar

• Premium WordPress plugins
• Premium WordPress Themes
• Hire someone to redesign your blog

Stuff for your Office.

• Desk Pad Calendar. For scheduling and staying organized.
• Day Clock – in case you lose track of time, really badly!
• Demotivators. (You probably saw those in my home office.)
• Big freaking White Board. Did you see mine in my office video?
• Space heater. Again… brrrrr….

Camera & Microphones.

• Video camera for video marketing.
• Headset with Microphone. For recording tutorials and webinars on your PC.

PLR!

• PLR Articles Because you can always use more articles for your blog.

Promo Stuff

• Personalized Twitter T-shirt
• Cool Business Cards. Zazzle has really cool “skinny” & “chubby” sized cards.

Courses to Learn Cool Stuff From.

• NAMS Membership
• Easy Link Love.
• MomMasterminds Annual Membership. This is a great program for Moms and I recommend it for anyone looking for assistance in their online business.

Travel

• Luggage for traveling to cool Internet Marketing conferences to hang out with me.
• Ticket to NAMS for February.
• Airline tickets

Business Tools

• Autoresponder – if you’ve been putting off this purchase, now’s the time.
• Shopping Cart – Switch to an annual plan and pay for a year in advance.
• Get Organized with your Outsourcing – organize all of your helpers.
• Roboform – to be more efficient in 2011

Hire Help

• Hire a Virtual Assistant or Virtual Assistant to write press releases, articles, sales pages, or design graphics for you.
• Also, you can go to the Warrior Forum and check out their Special Offers section to find great deals on advertising and copywriting.

Get a Coach

• Hire a coach or consultant to come into your business and tweak/refine it to make you more money.

** Most of the stuff above is tax deductible.

And, of course, you can hire Kristine to help you with your financial planning (which is another way to spend a bit of cash). She said:

Hope this helps! If you need more ideas I’ve got several posts on my blog about year end tax planning. Here’s my site: http://www.beacon-advisor.com/

Keep more of your money instead of handing it to Uncle Sam.

Best of luck.
Nicole

Friday is the day where I give you free content that you can use on your blog or in your business. Hurray!

Today, I have something cool for you.

You can now get BRAND-NEW FREE marketing PLR content every month.

The current free PLR is about getting started with WordPress and it will be changing very soon to a new package.

Sign up to get it here:
Free Marketing & Business PLR

(You'll see a special offer on the page as you're signing up to get more really cool marketing PLR for your business every month.)

This free PLR program is a new service that my friend, Melissa, and I put together to spread the word about our services – and give back to our customers, of course.

I hope you like it!

Thanks!

Warmly,
Nicole Dean

The News: If you get a link in Skype from a FRIEND that you KNOW or FAMILY member that looks like the screenshot below – DO NOT CLICK IT. Please read to protect yourself.

Skype Virus Alert- Spread through Links from Family & Friends

I use Skype on a daily basis to communicate not only with friends, but also clients and important business connections.

But unfortunately, there are reports that a virus is spreading through Skype.

Your business associates, or even a family member can accidentally (and unknowingly) send you a link that infects your computer. That's exactly what is happening. On October 8, 2012 a new virus affecting Skype users was discovered and it's being reported all over the Web, including CNET, and Mashable.

Your legitimate contacts are not sending those links to you on purpose. It is very likely they they have been infected, and that they have no control whatsoever over their system. In fact, it's possible that their computer is even being held under virtual lock-and-key for monetary ransom.

How Do you Get The Virus?

As of October 8th 2012, people have been allegedly receiving automated messages from what appear to be automated bots (Dorkbot Worm) with the socially-engineered message: ” Lol is this your new profile pic?” with a link to what might appear to be a legitimate zipped image. (see image)

This bot is very clever and spreads through a few computers to begin with, and then automatically targeted contacts in the infected user's Skype contact list. As these contacts receive the automated messages, many of them wouldn't think twice about opening the link because they are receiving the message and link from an established (possible credible) contact on their “friend” list.

If you click the provided link, you would download a .zip file. Upon opening the zip file, an executable file could infect your computer.

To many people, this would be a sign that something is wrong; however if you have extracted the file and your Anti-Virus system hasn't kicked in and blocked the file, or it is a zero-day attack (no cure has been discovered yet), it is likely too late.

The link being circulated is also socially-engineered to fool users into thinking that it is legitimate. The structure is as follows:

(link not clickable for your protection.)

Looking at the structure of the link, we first see that the URL appears to be a Google shortlink. Then we see some random numbers and letters in an alphanumeric format, which is characteristic of any typical link. The most socially-engineered part of the link is that the final portion appears to be an image (img), and also implies that the image (img) has something to do with the user in question (in this case, John Smith). This can easily fool even the most seasoned user into thinking that the link is legitimate.

What does the Virus Do?

This virus is commonly known as “ransomware.” It essentially holds the victim's computer hostage until the victim agrees to pay a fee of $200 to access his/her (now locked) filesystem within 48 hours.

Obviously this means that the perpetrator has full access to not only the victim's personal files, but also any saved passwords the victim may have stored in their system. The malware (Worm Virus) has a multi-tasking feature designed to specifically steal usernames and passwords to social networking sites and PayPal accounts.

And to take it even further, this multi-tasking virus turns infected servers into “botnet” servers to perform DOS (denial of service) attacks on targeted websites, and continues to downloading further viruses on the (already infected) computer.

Once a user is infected, the virus will not only hijack the user's system and hold the files for ransom while stealing the user's passwords but will also begin to send similar messages over Skype to all people on the user's contact list in order to keep the virus circulating. Yes, you then spread the virus to your loved ones, as well.

How Can You Protect Yourself?

All Skype has said about this infection so far is that users need to –

1. keep Skype updated,
2. keep computer system updates that you should be regularly maintaining.
3. They also said not to click on any links that may look suspicious, even coming from your established contacts. (EVEN FROM YOUR OWN MOTHER!)

Skype Security and Computer Rescue Kit

Regina put together a Skype Security and Computer Rescue Kit. She and her staff spent a lot of time on it, but they are selling it at a very low price to get it into as many hands as possible. I'm including a bonus to make sure you grab it so you're safe.

Here's what's included:

• Computer Security Essentials: 7 Steps You Must Take to Protect Your Computer from Malicious Attacks
• Printable Emergency Virus Recover Plan for Windows Computers (Hang this by your computer in case of emergency.)
• Skype Safety Plan – Keeping your Skype Installation Secure

BONUS! If you buy the course, I will also give you my Protect Your Online Business Course that is currently being sold for $15 here.

1. Just order through the big button below.
2. Then send us your receipt and we'll get you hooked up.

Here's more about Regina just so you know why she is the one I turn to when I have a security question.

Regina Smola is a sought-after WordPress Security Expert, Speaker, Author and owner of WPSecurityLock.com.

She has helped thousands of WordPress users tighten security on their WordPress blogs and written numerous articles, ebooks and action guides on securing self-hosted WordPress websites.

Regina provides security services for clients with both new and existing WordPress websites. She also offers individual consultations and group training on WordPress security.

Warmly,
Nicole Dean

I started by creating a list of the Best WordPress Plugins for Bloggers.

I started with the WordPress plugin that I use. Did I miss any really good ones? If so, let me know.

Vote for your favorites! Each link is clickable, as well.

Interactive lists make for fun posts. Let's see if I'm right.

Talk to me, please.

1. Are you using List.ly in your business?
2. Did I miss any cool plugins that I must check out?

Thank you in advance!

Warmly,
Nicole Dean

PS. Speaking of plugins, I have news on two fronts.

1. Two of the plugins on the list above are included if you choose to buy BlogCPR.com to Revive your Blog.

2. I just upgraded my Comment Luv – so you can choose which of your blog posts you would like to feature when leaving a comment. I hope you enjoy the luv!

Have you ever considered the potential of WordPress plugins as a business model?

There are some people doing quite well selling them.

There's a really great course on how to actually make money creating, then flipping plugins.

I bought it and my husband has been studying the course the last few weeks, and it's quite good.

You can see that here:
Plugin Business for Profit

However…

If the idea of *selling* plugins is appealing to you, but the thought of actually having to *create* them makes you run for the hills – here's a cool option.

My friend, Melissa Ingold, just announced that she is now selling plugins with PLR rights.

So, if you wanted to get into the WordPress Plugin business but don't want to have to create them yourself – be sure to check this out.

WordPress Plugins with PLR Rights

Warmly,
Nicole Dean

Friday is the “freebie” day where I give you free content that you can use on your blog. Hurray!

Today, I'd like to talk videos. Did you know that it's super-easy to embed YouTube videos onto your blog? That didn't use to be the case.

While, I don't want to encourage you to add video just to add video, it can certainly add value IF you can find a channel with helpful, expert videos (like mine – hint hint). If so, you should do it!

Here's how easy it is: (Actually, it just got easier. See below this video.)

The new easier way that was brought to my attention by Scott of Scott J. Smith  is below.

View the rest of this post here: http://codex.wordpress.org/Embeds

So with that method, you just copy and paste the URL of any YouTube video or Vimeo video into your blog and then make sure it's on it's one line.

I tried it, of course, before I posted here. It works.

If you'd like to grab ANY of my YouTube videos, you can get them here:

Nicole Dean's Awesome YouTube Channel <- Click there to grab videos

Or, if you're in a different niche, then look around and find some videos that your blog visitors will love!

I hope you've enjoyed this “Free Blog Content” Friday. I know I have! If you'd like, please share your YouTube channel in your comment below – to encourage my readers to embed your videos.

Thanks, as always, for another wonderful week of fun.

Warmly,
Nicole

Who's going to benefit the most from having such quality content on hand for their clients? People like consultants, coaches, service providers, and other online entrepreneurs who need to put together courses, videos, and instructional programs quickly. Why? Because that's what their customers want – step-by-step instructions that are easy to understand.

This “quick-fix” mentality with online learning is creating incredible opportunities for marketers in all sorts of niches. Learning from traditional books and multi-step processes just isn't cutting it any more. If you can find ways to demonstrate new skills and concepts in a short, concise format, you're going to have plenty of people looking for what you have to offer.

In other words, create an instant infoproduct that provides value, and you've got something that's going to do very well online. It's always the basics that keep people from being more productive, because they don't know how to do simple things like:

• Create a Facebook page
• Setup a WordPress blog
• Market articles to the right sites for the right people

Get PLR for Coaches and Entrepreneurs Here!

You’ve seen the videos on YouTube, HowCast, eHow, and similar sites that explain exactly how to do something in minutes, getting millions of views every day. The days of sifting through hours of material in books and newsletters to find out the basics are fading fast.

With internet marketing, you need tools that help you take action now, and learn the rest as you go – period.

Well, my friend Melissa Ingold and I put together a trio of PLR packs you’re going to love, because they’re ready-made products that take all the guesswork out of showing people how to master three basic concepts that can help ALL marketers in every niche imaginable; article marketing, Facebook business pages, and WordPress blogs.

These three brand-new PLR packs are loaded with tools to allow you to quickly and easily create offline presentations, audio and video productions, webinars and teleseminars, or even sell the kits as standalone infoproducts. It doesn’t get much easier than this.

Here’s a list of what you’re getting in these fantastic new products:

• PowerPoint slides for presentations and demonstrations
• Mindmaps that show how each process works
• Pre-written sales letters and emails that you can use immediately to build your lists
• Quality eCover graphics as editable PSD files
• Checklists to make sure you don’t forget a single step in the process
• Copies of all screenshots used in the guides

The licenses for these three products are selling fast, so don’t wait to take advantage of this incredible offer by clicking here:

Get PLR for Coaches and Entrepreneurs Here!

Warmly,

Nicole Dean

How often do you check your RSS feeds? (Me? Never.)

How often do you check your bookmarks and favorite blogs? (Me? A few times each month, maybe.)

And how often do you check your email? (Uhh… lots!) Point made.

We also know that someone who visits your blog once and leaves may never find you again.

So, what's the solution? Do you copy and paste your important blog posts into an email and blast it out once in awhile? Or do a weekly recap email?

Sure, those are options. But, a much easier solution is to have your blog automatically email the people who want your info, right? Anything that saves me time also saves me money, so that'd be my preferred choice over doing it myself or paying someone to do it for me.

As I teach in Outsource Weekly:

Always Automate Before you Delegate — Unless you're Delegating the Automation!

Translation: Don't pay someone to do something that should be done by a computer, if the two services offer equally good results. The only exception would be paying someone to help you to automate a task, of course.

This is a case in point.

If you're counting on your website visitors to use RSS or bookmark a page — you're losing a lot of repeat visitors which means that those people are walking away without becoming a customer or even a fan of yours.

NOT GOOD.

So, how do you set up this automatic blog post notification system? Easy.

My preferred way is to use Aweber as you can then also take advantage of other features, they work really hard to get emails actually delivered, and you'll own your list.

The great folks at Aweber have put together a tutorial for you to show you how to set this up:

How to Send Your Blog Posts via Email

First, you'll create a signup form and place it on your blog as I have. (See in my side navigation?)

If you don't know how, again, Aweber has put together more fantastic tutorials.

How to Send Email Notifications from my WordPress Blog With AWeber? – Please note, this is for WordPress.org blogs which are the kind that you host on your own hosting account, not WordPress.com which does not allow email marketing.

How to Send Email Notifications from My Blogger Blog With AWeber? – This is for a Blogger blog. If you're using Blogger, you'll know it. Blogger is owned by Google and your original domain was probably .blogspot.com

Then, you'll find the Blog Broadcast tool in your Aweber account and will set it up to automatically send an email with new blog posts to subscribers as often as you wish. I chose a daily broadcast, since some of what I send it time-sensitive. Plus, who wants to wait for Weird Niche Wednesday? Not me!

The beauty of this system is that you can bring back your visitors again and again to build a relationship with them. And, Aweber offers click tracking and open rates so that I can see which of my blog titles are most enticing and which of the blog posts that I write get the most clicks.

We shall see when this one goes out whether you'd like more information on this topic or not, depending on how many of you open it and comment.

Here's hoping it was helpful!

Warmly,
Nicole

PS. You can set up email notifications from Feedburner, too, but I really recommend using Aweber because of the long-term potential of your list and the value of having control over it.