Remember the first time you borrowed the car? The first time you got drunk? The first time you filed a tax return? Go ahead, laugh, but filing your first return as a teenager or young adult will leave its mark on your memory once you get that first refund cheque from the government. Write it down: Refundable tax credits mean free money. You can be earning absolutely zilch and paying exactly zero taxes, but you are entitled to these tax credits. All you have to do is be at least 18 years old and . file a return. Here are a few tips for first time tax filers, courtesy our friends at H Block. All you need is a social insurance number (SIN). And for most young Canadians, it is pretty straightforward. 1. Report your income. If you earned income in 2010, you need to file a tax return. Even if you earned no income in 2010, if you turn 19 before April 2012, you should file a return because you will qualify for the GST/HST credit. You can only get it if you file. 2. You can't file electronically the first time. As if tax filing wasn't enough of a pain, the Canada Revenue Agency does not allow you to file electronically unless you have submitted a previous return. You will need to mail your tax forms and wait for your Notice of Assessment, unless you're willing to pay a tax preparer to do the job on your behalf. 3. Get organised and keep your receipts. If you think it could be a tax deduction, keep the receipt and find out later. Did you sponsor a friend who ran for cancer research or buy a bus pass? Charitable donations, as well as medical expenses and some transit passes are tax deductions. 4. Do a little homework. Lots of people will offer tax advice but not all of it is true. For example, you can only deduct employment and moving expenses under specific circumstances. Make sure you do enough reading to understand what you can and can't claim. 5. Look to the future. You may not be able to contribute much to a Registered Retirement Savings Plan (RRSP) right away but make sure you report income and start building contribution room. This means you will be able to make larger deposits once you start earning more money, and your deposits will help you pay less tax. Women Size Air Yeezy 2 Red October 2014 Kanye West Shoes ,656503 601 Jordan Future True Red Air Jordan 11 Low White Black Red Air Jordan 6 Rings Venom Green Nike Kobe 9 Low EM XDR Black Red Air Jordan 12 Low Black Patent Black Varsity Red 136027 035 Women Size Air Jordan 5 Oreo Black Cool Grey White Air Jordan 11 Low IE White Metallic Silver Black Air Jordan 5 Light Graphite White Wolf Grey 378037 006 Women Size Air Jordan 11 Gamma Blue 2013 Golf travel bags make excellent gifts for anyone who enjoys golfing. They allow you to transport your golf clubs safely and without you having to worry about damaging them. They also come in a variety of styles, shapes and colors. So how do you know which one you need? It really depends on who the golf travel bag is for. Like I said before, golf travel bags come in a variety of styles, shapes and colors. However, the look of the bag is not the only thing you should consider when buying one especially for a gift. Perhaps one of the most important things to consider is what kind of distances will the person travel that you are purchasing the gift for. If they travel fairly substantial distances with their golf clubs, then you will definitely want to get something sturdy and strong. In this case, I would suggest buying a hard sided golf travel bag which is also known as a golf travel case. This is particularly true if the person travels on airplanes on a regular basis. An advantage of using golf travel cases while flying is airlines will often pickup the cost of replacing any damaged golf clubs if your golf clubs were in one of these protective cases during the flight. Another advantage is of course the peace of mind knowing that your golf clubs should be well protected from any damage during the trip. If you are confident that the person you are buying this gift for does not frequently travel long distances with their golf clubs, then you should be able to get by with purchasing a soft sided golf travel bag. In fact, I would strongly suggest going this route in this case. An advantage of using a soft sided golf travel bag is that the bags themselves typically include several pockets for you to put gloves, shoes, etc. into. They are also less bulky and can fit easier into the trunk of a car. Soft sided golf travel bags also typically come with wheels that make it easier to transport the clubs from place to place. Again, knowing what features the golf travel bag would need would depend on who the bag is for. If they use golfing shoes, then they would probably appreciate the fact there is a place to put them in the bag. In addition to the sturdiness of the golf travel bag, cost is obviously going to be a factor that you will want to consider. Not surprisingly, golf travel cases are typically more expensive than soft sided golf travel bags. However, the difference in cost is not massive and there are some golf travel bags that are more expensive than the cases. Most golf travel cases will cost you around $150 while the average golf travel bag will cost around $75. However, some golf travel bags can cost you well over $200. Of course the differences in prices are often a reflection of the differences in name brand, quality and features. Women Size Air Yeezy 2 Red October 2014 Kanye West Shoes,Building Budget Error: $9 Million April 05, 2005By GRACE E. The university says rising steel prices, excavation costs and rising labor wages also helped push the makeover of the 1950s era building in the center of campus over budget. A story on Page 1 Tuesday incorrectly stated that the omissions in the calculations resulted in a figure of 30,000 square feet. That overrun, together with $2 million added to the project budget last year, has swollen the project's price tag to $62.8 million or 39.5 percent over the original $45 million budget. The renovation and expansion of the student union is part of the $1 billion UConn 2000 construction program, a 10 year effort that has built scores of new buildings and renovated dozens of others on UConn's campuses. The first phase of construction, now complete, modernized and expanded the existing student union with a new movie theater, student lounges and soaring corridors. For the second phase, now under construction, the university knocked down the southern end of the old student union and is replacing it with new construction that will have a food court, cultural centers and other amenities. University officials said the mistake was made in May 2004 when the project manager in the university's architectural and engineering services department was working out the budget for the second phase of construction and calculated the net square footage of the student union building rather than the gross square footage. The project manager's figure was based on usable space such as offices, but left out such areas as hallways, bathrooms and mechanical rooms, UConn spokeswoman Karen Grava said. As a result, the figure was 30,000 rather than 90,000 square feet. That translated into a $9 million shortfall, Grava said. UConn officials declined to identify the project manager, but documents obtained by The Courant identify her as Sallyann Beaudet. Beaudet, who has been reassigned to another position, declined to comment on the miscalculation Monday. The project manager and Konover Construction Corp. of Farmington, the contractor, realized the mistake in May 2004, before construction of the second phase began, Grava said. It was caught early, but there was a mistake made and nothing was done. We don't know why. We admit it was a mistake. The project manager caught it early and reported it,'' Grava said. The project manager reported the error to Larry Schilling, the former director of architectural and engineering services, Grava said. Schilling, who oversaw all UConn 2000 construction, resigned in December after being placed on administrative leave the month before. There was a communication problem in having problems passed up the line,'' Grava said. Grava would not comment on why Schilling was placed on leave, and Schilling could not be reached for comment. As Linda Flaherty Goldsmith, UConn vice president and chief operating officer, investigated the square footage error, work was slowed on the project. Meanwhile, Flaherty Goldsmith took the problem to the trustees. In February, the trustees agreed to pay for the overrun with money earmarked for equipment, library collections and telecommunications. Grava said the university hopes to replace the money with other UConn 2000 funds. As a result of the problem, along with scores of safety code violations that have surfaced in recent months in the construction of three new dormitory complexes, Flaherty Goldsmith is reorganizing the architectural and engineering services department to improve accountability. The interim director, George Kraus, now reports directly to her. This is the second time the 210,494 square foot student union project has gone over its original $45 million budget. Last year, the trustees added $2 million to address student complaints about low ceilings and exposed ductwork in the new cultural centers in the building. The university originally planned the second phase of construction as a renovation of the existing south wing of the Student Union building with new construction that would extend into the footprint of the old School of Pharmacy building. A delay in the demolition of the old pharmacy building threw that plan off. The university redesigned the second phase to keep it on track and decided to demolish the south wing and replace it with new construction. But once construction was underway, the contractors found unexpected amounts of rock ledge that required costly drilling to excavate for the building's foundation. They also found more asbestos than anticipated during the demolition, said Eddie Daniels, director of campus activities. Costs were also driven up by steel prices and prevailing wage rates, which have increased during the construction, which began in 2002. The student union is not the only UConn 2000 project to run millions over budget. The new School of Pharmacy building, also under construction, is $7.6 million over budget.
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WMC Action News 5 shared the story of Shanyna Isom in a special report in 2012; she grows fingernails throughMore >WMC Action News 5 shared the story of Shanyna Isom in a special report in 2012; she grows fingernails through the hair follicles in her skin. 11 attacksTimeline of Sept. Women Size Air Yeezy 2 Red October 2014 Kanye West Shoes Decorative and Functional Slate Coasters, Serving and PlacematsOh for the love of slate, slate coasters are great functional pieces of art ideal for protecting your furniture from hot drinks, and great decorative show pieces when not in use. Teapot stands, which we use as serving mats for hot food (as we don't use teapots) are just as great, as are slate ornaments and wall plates and plaques, slate being such a durable material it's decorative and functional and makes great gifts for the one you love. Its uses around the home are endless and wherever its used it looks great. I love decorative slate coasters, especially the coloured painted ones, and whenever we travel I always keep an eye open for them in the local tourist shops and bring one back to add to our collection. Bringing slate coasters back from our holidays is dependent on whether we're travelling to a slate mining area so our collection isn't as large as I would like. Slate Coasters make great gifts for the one who loves the fine art in natural materials. We love slate and in our personal collection we currently have 20 slate coasters and place mats. 14 are separates, bought back from various day trips and holidays in England, four are a matching set from our visit to the Beatrix Potter's House in the Lake District and two are identical teapot stands ideal as place mats for when serving hot food on the table. All the slate coasters in our collection are decorative, some with a picture and name place of the place we visited, some with just the picture or a picture of a wild native animal with one exception of a slate coaster with just a 'Celtic' pattern on the face. All the slate coasters have either a felt or cork base so they don't slip and don't scratch the table top and the matching teapot stands are supported by three rubber feet. When not in use they can be stacked and put in one corner out of the way, on a shelf or in a drawer out of the way, or they can be put on display; or a selection of your favourite slate coasters displayed. You can either display your choice slate coasters either by spreading them out flat along a spare shelf or sideboard top where they can be seen, or with a bit of ingenuity you could make a small rack to prop them up; one of my future projects in the making I think. functional ornaments. Coloured Art Decor Slate CoastersFunctional Fine ArtWithout a doubt, the coloured painted slate coasters in our collection are my favourites; the other slate coasters with white pictures and their place names on the face are great but nothing beats a bit of colour. When we stop off at a place where slate coasters are available in the local tourist shops, places where slate is traditionally mined, it's mostly the white on grey pictures, to find a coloured painted slate coaster is a rare and privileged find. Although of the 20 in our collection five are coloured so we have done quite well in rooting out the prized fines. Coloured Decorative Slate Coasters Colourful and Functional slate coastersClick thumbnail to view full size See all 19 photos Slate coaster of Ashness Bridge, Lake District, England Slate coaster of horse pulling barge on canal Slate coaster of horse pulling barge on canal Slate coaster of Langdale Pikes and Blea Tarn in the Lake District, England. Slate coaster of Windermere and Langdale Pikes in the Lake District, England. Functional and Artistic Slate CoastersThe Function and Use of SlateSlate has been mined for thousands of years for their durable quality as roofing; slate roofing tiles. Slate is such a durable and quaintly attractive material it's also popular as floor tiles and wall tiles; and with its waterproof quality was traditionally used for centuries, if not millennia, for window sills and more importantly DPC (Damp Proof Course) in walls in England. These days, with so many other materials available slate is just one of many choices in traditional building although still popular for wall and floor tiles. However for ornaments and functional kitchen and home utilities such as slate wall plates, plaques and as featured in this article coasters slate has a major role to play. Most of the slates in our collection are slate coasters although two are teapot stands, even though we don't use teapots; I'm a coffee fan myself. Nevertheless, these teapot stands don't go to waste, as well as being decorative and great on display when not in use, picturing a British rural fox, they make great serving mats on the table. When we're entertaining and have a few friends around for a social evening meal due to the insulation properties of slate these teapot stands are ideal as serving mats for placing those decorative hot casserole dishes straight from the oven to table when for example serving a cheese and onion pie to our guests. Decorative Slate Coasters White on Grey Picture ArtClick thumbnail to view full size See all 19 photos British Slate Mining Places VisitedA Slate Record of Our JourneyAbout half the slate coasters we've bought back from our trips have their name place printed on the slate, usually written below a beautiful picture, depicting the place of our visit; a great reminder of a great time past. Of all the slates we have in our collection the ones named and showing where we've been are in the Lake District, Ashness Bridge, Langdale Pikes and Blea Tarn, Windermere and Langdale Pikes, Windermere, A Lakeland Farm, Hilltop as Beatrix Potter's House; in Wales (Cymru), Conwy, Llandudno; and Longridge in Lancashire, England. Natural Slate Coasters 4 inch square and ideal for hot and cold drinksSets of four slate coasters, a natural and durable material that works well with any dcor and looks great in just about any setting; unlike the more common and cheaper cork and cardboard coasters these are a quality material that not only looks and feels great but will last and will always look as good as the day they were bought. Set of Four Plain Slate Square Coasters (G382) Set of Slate Coasters A Great Gift By Gifts For The PresentPlain and simple, set of four very rustic coasters, 4 inches square; good quality, natural and durable.
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