Archive for the ‘Finance (Personal)’ Category

All About the 1040 Form

Being so easy, you wouldn’t think that anyone would pay someone to fill out a 1040 Form on their behalf.
Pay someone to prepare a easy two-page form?
It sounds preposterous, yet that’s exactly what many individuals do, apparently intimidated by the many, many, many pages of instructions.

These instructions for the 1040 Form are in reality pretty straightforward and not too many.
They span so many pages, however, because of the fact that multiple scenarios are covered, with illustrations given and definitions provided.

The 1040 Form is about as simple as it gets, though variants including the 1040A and 1040EZ do exist that streamline matters even further.
But it’s no surprise that the 1040 should be simple; it is, after all, the “starter form” for most American taxpayers, folks who do not possess complex situations.

Despite being all of two pages by itself, many who file the 1040 will also present attachments that report information which might not fit in the limited space given on the form itself.
These attachments are official parts of the 1040 called “schedules.”
Schedule C, for example, lists income and expenses related to self-employment, while Schedule F is used to report that associated with farming.

It’s all due by April 15 each year – or the first business day after that should April 15 fall on the weekend or a holiday.
But due to the worldwide web, filing is easier than in the past, as is preparation itself, with guided onscreen instructions offered at the websites of most of the biggest name in computer tax software.
It is not simple charity on their part, however; these companies lobbied the IRS very hard when it planned to provide, totally free, tax preparation and filing through the official IRS website.
The resultant comprise allows those making less than twenty-five grand a year to have their federal taxes prepared and filed for free when done online.

Precisely what is an Internal Revenue Service W9 Tax Form

I got not too long ago notified that i will need an Irs W9 Form. Being that i am not an accountant I didn’t comprehend what a W-9 Tax Form is and exactly what it was required for. Thus I went using the net to find out more info on the topic. I ran across a online site titled W9Form.info that delivered me with free advice in connection with the tax form and a fine number of sources and links. I noticed these resource links worthwhile and Now i am now well schooled on what the Irs W-9 Tax Form is. If you are an independent contractor or work for yourself you will probably need to find out more to do with such a Irs tax form. Furthermore you need to comprehend backup withholdings in which the W9Form.info internet page will give you also. Either way thought I would discuss this awesome powerful resource with everyone.

What Small Business Tax Is All About

How come a lot of people against a simple small business tax in the United States? Okay, so they would claim that they’re not against any such thing in principle, but only in practice, with regards to the quite high rates in particular. But just how high are these rates, really?

For many, a small business tax comes down to just around thirty percent of gross earnings. A third of all income seems like a lot, but throw in all the local, state, and federal tax breaks that you can get, as well as tax credits and other special provisions for specific circumstances, and many small business owners with under a hundred employees will wind up paying no more than somewhere within the neighborhood of twenty percent, give or take a few points.

This is a rather modest form of small business tax, isn’t it? But why then do so many rail against it? Exactly why do people not feel like contributing to the common good, whether in theory or practice? Is it just a matter of greed? Or is it in fact a really deep-seated alienation? And not only are businessmen and women are in opposition to such taxes but even individuals who do not really own a business!

It’s not simply that these people hope to one day be business owners themselves and thus identify with the (imagined) plight of business owners. It’s a deep sense of alienation, even if they don’t recognize it themselves as such. Such individuals do not believe they have very much in common with the wider society, whatever lip-service they may pay to societal conventions. Thus they do not feel there to be any reason to contribute.

They might contribute to that which they believe to be important. So what is it about America where so many of its citizens will wave the flag yet not vote with their pocketbooks?

The Employer Management Using The W-4 Tax Form

The Internal Revenue Service, other known as the IRS, as you can imagine, gathers taxes from every individual possessing a social security card and dwelling in the U.S. and this in addition goes for every company located in the U.S. The technique of taxes for employers usually are not very different versus the method for people or employees much rather they are similar though with few dissimilarities. As a matter of fact, employees need only to be worried with their tax return during tax period.

The W4 Form is utilized by employers to decide the correct amount of taxes to hold back from their employees for the United States Internal Revenue Service. This withholding takes the shape of automatic deductions from employee wages every pay period, and ideally would precisely equal the annual income tax due the government by tax season. In reality, nevertheless, it is frequently unique by quite substantial amounts due to various purposes.

To properly fill out a IRS W-4 Form, the employee should determine the number of allowances claimed, with the amount of money withheld decreased for each claim made. Such calculations are typically figured out on the basis of his or her anticipated tax situation for the year. As each allowance reduces the amount withheld, even so, so too does it reduce any refund that may be due to the employee – considering that the funds were never owed in the first place, having never been deducted at all, obviously.

Many people favor the convenience provided by an automatic deduction, and for them the IRS W4 Form isn’t something they would normally concern themselves with. In truth, it is a good sensation to acquire a relatively large sum of money back from the government! On the other hand , this amount of money does not bear interest, whereas by avoiding an automatic deduction every pay period the money could have been saved, with interest earned.

Look at it using this method: “a bird in hand is better than two in the bush” – and two birds in hand is definitely better than one in the bush! For having the government return your “bird” later on is not as smart as having the one bird become two, through the rapid magic that is compounding (though, undoubtedly, no one pays a 100% return except needy victims of a loan shark).

Something that confuses people with respect to W-4 allowances is that they typically do not add up to the same number of Form 1040 exemptions. That’s because although “allowances” and “exemptions” are closely associated, as close as fraternal twins, even, so to speak, they are not one and the same. For most people, the two will be the same, but for those with more than one employer, allowances and exemptions can be quite different due to the rules governing such cases.

Just a Very Small Business Tax

It’s a controversial idea, the small business tax. For whatever reason, small business owners find it too much even though it is only at thirty percent generally – and this is before all the tax breaks are figured in. It’s a rare business indeed whose accountants can’t find some bit of municipal, county, state, or federal tax policy that could be exploited. For example, many small businesses are able to claim their losses against their taxes. And then there are different tax credits that could be applied which also reduce the tax burden. There even are special provisions of all types for veterans, women and minorities. That’s not to mention the fact that many “cash-and-carry” businesses routinely under report their earnings as a matter of course!

Nevertheless you constantly find individuals complaining about this small business tax or that, as if that tax money wasn’t going to pay for anything. People, such as many businessmen, don’t understand how greatly they benefit personally, as individuals, by contributing to the common good through their tax payments. It’s as if they really feel that they live on an island, cut off from the wider society at large!

It is easy to decry one’s small business tax, however the rhetoric almost never bears out under closer scrutiny. During the 2008 Presidential campaign, one self-described “Joe the Plumber” even accosted then-candidate Obama in order to assail his proposal at moderately increasing the tax rate for small businesses by three percent if and only if they had greater than $250,000 in revenue per year. In reality, ninety-eight percent of all the businesses in America generate less than that amount of annual income. Yet the complaints never stop from many business owners regarding their unfair burdens, and Joe the Plumber became quite the campaign fixture in the waning days of the 2008 Presidential campaign.

Consumer Affairs With The 1040 Form

It’s easy to file the 1040 Form yourself. It’s not hard to do whatsoever, as most people’s tax scenarios are reasonably straight-forward: they work for a company that offers salaries or wages – end of story. The form is a sort of beginner form for the vast majority of American taxpayers, for those who don’t have complex tax situations. Therefore, filing a 1040 Form just once a year is rarely a chore, and almost undoubtedly no challenge.

But being so simple, one might be surprised that a whole seasonal industry exists that involves nothing more than completing these simply two-page forms for people! But some people like the satisfaction that comes with having a professional do all the legwork. There is also something of a convenience factor for many, who really can’t be bothered to sit down and read the instructions (which are unquestionably long, aiming as they do to be comprehensive and also comprehensible and consequently offering quite a few examples and maybe even duplicating a point or two every so often).

But a 1040 is about as simple as it gets, and variations much like the 1040A and 1040EZ streamline things even more. Still, although these are all just all of two pages on their own, many filers will also need to provide attachments so that further information may be given, information which could not fit within the constrained space given by the form. Such addenda are held to be legal official elements of the form and are known as “schedules.” Thusly, as an example, Schedule C is utilized to list income and expenses regarding self-employment even as Schedule F pertains to income that comes from farming. Do you have a maid? Schedule H is applied to report taxes owed due to the employment of household help. Are you a rock star whose song is performed over the airwaves? Schedule E is covers income from royalties.

No matter what the particular attachments needed, in all cases they’re all expected by the 15th of April each year (or the first business day after that in case of holiday or weekend). And thanks to the worldwide web, filing is faster than ever – nearly instantaneous! It is also increasingly simple, with simple onscreen prompts that cut down drastically on the amount of time needed to read instructions.

With the time- taking consequential forms that have been invented before things got more one on one, one would have to fill out the normal form which meant an appointment with whomever may be the person taking care of such things needed to be made. In the duration of the appointment, the applicant would have to identify his or her reason for applying to the officer or the business. But previously mentioned that was only during a time where they only had one general form to fill up. Yes it is believable that all these forms are a headache but it’s better to know that the headache can be minor nowadays, no need for aspirin thank you!

Guides To Do It Yourself Credit Repair

Thinking about some do it yourself credit repair now? Well, good for you! Fixing that credit score is all about a certain sort of financial independence, if you truly think about it, and what better way to start being your own man or woman financially speaking than to take it upon yourself to cure what needs remedying!

What is it with credit running the show you say? Well credit is a little thing that determines if someone can put stuff on a monthly payment as opposed to paying for the entire amount upfront at once. But there are other forms such as having no credit history at all, that’s where that person has to build credit by ordering stuff with a card or paying bills with it.

It’s fairly simple in theory, after all. All you have to do is contact your creditors and basically pay up – or discuss terms and schedules of repayment. But if it had been all that simple, you won’t even be looking at credit “repair” as such, would you, much less any do it yourself credit repair of course! No, if it were simply a matter of forking over your hard-earned dollars and cents (yes, they’ll even get right down to the penny about these things), it is likely you wouldn’t even be having any type of problem that needs any helping at all after all now, would you?

Nope, it’s because you do have an issue that you can’t pay back initially! All things considered, hospitals are for the sick and prisons are for…well, you get the drift. And so it will be with this matter of creditworthiness – or, as the circumstance is in this discussion, the dearth thereof! And so doing things yourself would possibly not truly be the top bet going in such a scenario.

As an example, let’s say you merely owe a thousand bucks. Sure it’s not an incredible sum of money but it still makes for a nice wad in the pocket all the same! And you owe this thousand and you’ve been owing it for the past six years and eleven months…almost seven years, in fact. Seven years.

Think it over. Seven years. Seven. As in, “lucky” seven?

Try as in seven years and your personal debt is forgiven.

Erased.

Zilched.

Just like that.

It’s true. All flawlessly true. Under certain situations, debts may simply be stricken from the record within a seven year period. But if you didn’t realize that and decided to finally pay up the eleventh month of your sixth year of owing the debt…well, you’d have done a good and proper deed if that’s all you ever wanted to achieve from the start.

But if you were expecting to save any money, well, obviously, you didn’ t!

And that’s why doing things on your own can sometimes pale in comparison to letting a expert handle them for you.

Effortless Credit Repair Information And Tips

Looking for credit repair information online? Well, you’re at the right spot for it. This little article has got the most important piece of advice necessary in terms of such things. Oh it’s basic all right, but that’s what makes it so effective. And being so basic and powerful and important and all that, it’s also really straightforward and even rather on the obvious side of things if you think long enough about it.

But you probably don’t know it, or don’t know you know until you’re reminded, or have forgotten you know or had even reduced its value – so it’s all good, it’s all good that you’re getting a bit of a refresher now. And obviously, for all you rookies looking for credit repair information it’s the best thing yet to take place to you all! Obviously this credit thing has been taking control of people’s lives determining whether they should live…or just live miserably.

Money that is being owed to organizations is usually because of a commitment the buyer signs just saying that the buyer is promising to pay up little by little with some added interest, and what typically happens here is the interest rates of the stuff being bought makes the bill so tough to pay off that it puts them in debt which is very appreciated by collectors. At that time, the collection agency begins to liquidate until the price that is being owed is paid back by collateral. So what is it? What’s the secret, the big deal? What’s the great end-all and be-all of credit repair that’s been hyped up for the past hundred and ninety words until now??

In a word, CROA.

Or four, if you expand the acronym: Credit Repair Organization Act. It’s a 1996 law that defends you, the consumer, when shopping around for a enterprise that specializes in, well, fixing people’s credits histories. Thanks to CROA, all the bad stuff that lead to such a law to start with are, often if not mainly, a thing of history now.

And arguably the biggest immediate influence CROA has for the consumer of today is that no payment needs to be made upfront. In fact, companies are in fact prohibited by law from charging for anything unless it’s been initially delivered! That means you pay practically nothing until the work has been done – as in completed. Finished. Performed in full. As previously agreed upon.

That’s effective. For that means that in order to get your money, the company has to essentially deliver results! Results you can utilize. Results you actually want. As previously arranged.

That one thing alone helps decrease the scheming and rip-off tremendously. It takes away practically all incentive for the company to short-change you or rip you off outright. But there’s many other provisions of CROA that are important, as well, and it behooves you to research them all as an element of exercising that due diligence as a consumer which you should anyway. Do it or losing time and money may only be the beginning!

Effortless Credit Repair Information And Tips

The internet is filled with secrets of credit recovery- if you believe the search engines, that is. But go ahead, type in just that keyword and see what you get in return – yeah, even from Google! But of course thanks to all of the great articles from people nowadays, the effects of Google aren’t exactly what people are looking for from time to time, but normally it directs you to the closest most appropriate websites first.

You’ll get pages and pages of non-sense from, in all probability, companies that offer not credit repair secrets so much as services based on, ideally, those “secrets.” If you think about it, that keyword phrase really is a whole lot of nonsense in the first place, isn’t it? After all, what type of a secret would be on the worldwide web? But sometimes it becomes so authentic, that a person might actually take part in doing business or credit repair, in this case, and end up wasting more money for nothing which is precisely why con artists say thank you to people.

Okay, WikiLeaks and company notwithstanding, there’s really no such thing as a secret anymore – not if it’s online anyway. Needless to say, in a relative sense, it might be tucked, on page 52 or so of Google’s results, and henceforth in that manner a secret – hidden. But to be honest, when it comes to credit repair anyway, there’s really no secret to anything about it.

For one thing, any repair that will last has to be legal. And if it’s legal, it’s no secret! It’s just, at best, little known – to outsiders, to those not in the industry. As an example, under certain circumstances debts can be forgiven in their entirety after seven years. Yes, really, just like that! Now is that a mystery? To laymen and women, to make sure, but it’s the law, and no riddle to those who work in that section of the law, that relating to debt.

So it’s all relative – and, relative to the web, looking for such secrets brings up nothing but lots of companies seeking your business. That’s all.

Well, this article isn’t destined to be like that! Yes, you’ll learn a real genuine “secret” about fixing your credit, even though it has limited application. Returning to our instance, certain debts can be forgiven within seven years’ time period but there’s a certain catch involved…and here’s the secret: if you reimburse anytime within that seven year period, the life of the debt is automatically renewed for another seven years from the date of your reimbursement!

Yes!

It’s odd, but it does seem sensible. The upshot is that if you really don’t want to pay something, and that something falls from the approved guidelines, it is best to just disregard it for seven years!

Now that’s one credit repair secret you don’t generally hear about on the web.

You’re welcome!

The Use Of The W-2 Form For Taxes And Wages

The W-2 Form is used to report wages paid and taxes withheld. Officially recognized as the Form W-2, Wage and Tax Statement, employers need to complete one for each employee that receives wage, salary, or other compensation as a result of work performed.

These forms must be delivered to every employee on or before the thirty-first of January of every calendar year so that early tax filers may have access to this important document, necessary for claiming refunds or paying any money owed.

Multiple, and most likely thoroughly redundant, W-2 forms will be sent to those workers whose circumstances of employment involve tasks performed in more than one state. Some employers will simply print multiple rows of states on all copies of the W-2 sent out. Others generate W-2s that attribute gross compensation twice, once for every state, possibly causing clerical difficulties in the process.

The copies that employees actually see, which they receive in the mail every year ahead of tax season, is but a few of several that make up the complete Form W-2. One is labeled Copy 2, to be filed along with the state and local income tax returns, if any. Copies B and C are also sent, for purposes of federal income tax returns and personal records, respectively.

Copy 1 is submitted by the employer to the state or local taxing authority, as mandated by law (which some jurisdictions do not need). Copy A goes to the Social Security Administration. Copy D is for the employer’s own records.

The anatomy of a W-2 Form can be very interesting. On it are recorded every thing earned for the year, which often feels like quite a surprise to many, sadly! So many taxes…and yet it is almost fun to see exactly how much goes to what, whether for Medicare or Social Security or the 401K.

Using A Loan Calculator Correctly

A loan calculator is one of the most popular of widgets offered on the web. According to search engines like Google, it’s among the top keywords being entered in by surfers all over the world. It’s also one of the very first applications available on the internet, helping make what was then still a mostly academic network a lot more relevant to the everyday worries of most people.

From auto loans to home mortgages, there’s a loan calculator online somewhere that will help calculate likely outcomes based on personal conditions such as income and credit rating. These widgets or mini-applications are also highly popular textbook exercises in computer programming courses.

Besides loan calculators, you can find calculators for taxes and calculators for calories burned – essentially, anything that needs figuring out, there’s been a calculator programmed to do it. One of the most popular is a currency calculator, perhaps more properly referred to as a currency converter. One other is the distance calculator, typically utilizing something else like Google Maps.

But why would anyone take the time creating such software, easy as they may be to create? Especially considering that hosting these calculators cost money, even if only twenty dollars or so a month for the website. We may make use of an online loan calculator, but exactly what does the person providing such a utility get?

Oftentimes, these kinds of sites are supported entirely by advertising. Oftentimes they are launced by webpreneurs – entrepreneurs who make money off the web – in the hope of attracting enough “eyeballs” in order to sell advertising space.

As mentioned at the outset, home and auto loan calculators are one of the most popular searches online, that means that there are tens of thousands, if not hundreds of thousands, of people looking to use them every day – advertising dollars to the fortunate owners of the most popular websites hosting such calculators!

Credit Repair And Its Aid Towards Those Who Seek It

Lately one of the most essential necessities in life is a person’s credit score, it controls practically everything. A credit score is a rating to assess how a person manages financially and it virtually resembles their behavior. The score is determined and set in a social security giving information about the person’s bills of whether or not it is cleared from expenses owed within other information. Oftentimes it can lead to bankruptcy where the debt is so high there is nothing that can be done, but also for some people with an extreme debt situation, their homes are taken away and the outcomes are traumatizing.

Thus if a guy, as an example, has a legitimate social security card then he is permitted to put things like cars on credit and is able to pay small amounts every month alongside interest until he pays for the total amount. But if his social security’s score pops up with bad numbers saying that he hasn’t been paying his phone bill, then he is practically unable to do so until he repairs his history and clears that bill. But then if someone has an extremely high debt owing money everywhere you look, there is still some hope for their score to restore.

When it comes to credit repair, you can’t be too aware. That’s just how things are nowadays, CROA notwithstanding. What’s CROA you say? Why, that’s nothing more than the 1996 law governing the industry. CROA’s short for Credit Repair Organizations Act. It was passed because of all the abuses so prevalent back then, stuff that’s just unethical and even downright misleading, not forgetting very, very illegal! For instance, some companies at the time used to produce new identities for people so as to break free from their debts!

That’s illegal for sure, but unfortunately even today there are some businesses which still engage in such practices. Well, at least that one has a chance of working, though many others just outright fleece the consumer of his or her money. Oftentimes, the situation’s simply exacerbated all the more, which is why CROA got passed – not a mean feat if you remember that back in the mid-1990s both House and Senate was Republican controlled! That should go a long way to showing you just how bad things must have been if even a pro-business Republican Congress can manage to enact rather anti-business legislation!

Anyway, the credit repair industry has come some ways since then, to be sure, but not so far along that consumers can totally relax. Thus due diligence is as necessary as ever. Thankfully, CROA does help a lot, so as an example when shopping around for professional help with your credit score, make sure that CROA standards are completely adhered to, beginning with the one which stipulates no upfront payments! That’s right, you are not compelled to pay for anything unless of course it has been fully rendered, delivered, or otherwise resolved as arranged. In fact, they are legally obligated to not charge until having completed the work!

So be sure to check your bill when you do get one. Of course, it’d be nice if you could simply trust people, but that’s just how it is when it comes to money. Make sure that you don’t dig yourself an even deeper financial hole by engaging incompetent or unscrupulous businesses! Most important of all, make sure you know your rights. Fully “bone up” on your CROA today as a first step on the way to a better financial tomorrow! It will certainly save you both time and money in the long run.

The Origins Of The I-9 Form

The use of an I-9 Form is required by the United States Citizenship and Immigration Services (USCIS) bureau of the Department of Homeland Security (DHS) to establish worker eligibility.

Employers must have each of their employees fill out the Employment Eligibility Verification Form I-9, or be subject to fines of as much as five and a half thousand dollars per unauthorized worker, alongside with other penalties. Such employers may possibly also be subject to sanctions called for under other laws, particularly those relevant to immigration.

Even failing to maintain proper records can carry fines, to the tune of over a thousand dollars per missing or problematic form, regardless of whether the employee is legally authorized to work in the United States, so great is the significance attached by the government to the I-9 Form.

Individuals, employer, employee, or otherwise, who intentionally commits or participates in document fraud might be subject to over three thousand dollars for the first offense and up to six and a half thousand for subsequent offenses. Data must be reverified as necessary, such as in the situation of expiring supporting documents. Records must be retained even for former employees, up to one year after the end of employment.

The “I-9 requirement” came about with the Immigration Reform and Control Act of 1986 (IRCA), which law stipulated that employers must verify an employee’s identity and eligibility for employment in the United States. Employers may be liable even in the case of hired sub-contractors who on their own employ unauthorized workers. Such verification is not needed in the situation of volunteers.

IRCA also provided for a number of anti-discrimination requisites so that factors like national origin and citizenship status can’t be used against job candidates. Thus, in order to avoid any possibility of a lawsuit, corporations will not ask for the I-9 form to be filled out until after somebody is truly hired.

The Methods Of Alternative Funding

Starting a small business can be a very challenging, but rewarding enterprise if managed properly. However, getting a small business off the ground is usually the hardest part, and in today’s economic climate where many of the world’s banks have flattened or are now more scrupulous than ever, funding alternative is the only selection left to aspiring small business owners. The latest studies from the Small Business Administration (SBA) show that 33% of small businesses don’t succeed within their first two years, and 56% within their first four.

Strategies like alternative funding help out much more than thought of especially considering that small businesses require Loans for small business. Having said that, in spite of these odds, small businesses in the US with fewer than 500 employees account for more than half the employment in the whole country, and for just below half of the national GDP.

Given the faltering state of the banking industry since the recession, and the significant rate of failure for small businesses, it is no little wonder how small business manages to account for such a considerable portion of the US economy. The key is alternative funding. When most entrepreneurs plan to start a small business, their first concept is generally to apply for a small business loan or to apply for a line of credit from a national bank. This generally leads to a business plan wherein a fraction of the revenue is returned to the bank to pay off these loans for the first, or possible first several years of the business’ life span.

Failure to do this is often the reason why those 33% of small businesses fall short so soon. Other times, business owners rely on personal savings, or grants or loans from relatives, friends, or private foundations, and fail to properly assess the required startup costs. But there are other options to be found in alternative funding. Many private institutions offer you a different system that is a lot more accommodating to small businesses and budding entrepreneurs.

Such alternative funding is based off the easy idea that a loan can be paid back using only the money a business has actually earned, over an indefinite course of time that is essentially as long as it takes for the loan to be paid back. This arrangement usually works by through credit card sales. Revenue gained through cash or checks is kept by the business, while a small, previously agreed upon percentage of each credit card sale is siphoned off to be paid back automatically to whichever organization has given the initial loan.

This method of alternative funding completely eliminates the pressure of having to pay back portions of the loan on a monthly basis, and also negates the pressing concerns of mounting interest which can dominoe the longer it takes to pay off the loan. Rather, the loan is paid back at the owner’s leisure, using only that money which has already been attained without the looming threat of a bill at the end of each month.

Preventing Viruses And Air Born Bacteria

Surgical masks are usually worn in many parts of Asia out of consideration for others when one has a communicable disease, as well as when one wishes to avoid catching anything oneself! But in the case of the common cold, it is unlikely that these masks could be of much help.

That is simply because surgical masks normally cannot filter out the viruses; the fabric is often just not fine enough to catch the germs, which are merely too small. But much more importantly, the one thing to realize about the common cold is that, out of some two hundred or so rhinoviruses there are, only a few of them that are directly responsible for the symptoms which afflict sufferers.

That is right – most common cold viruses do not actually cause the sore throats, running noses, or headaches that so bedevil the infected. Most rhinoviruses don’t attack our cells. Water eyes? Itchy throat? Congested sinuses? Absolutely nothing to do with them, in all likelihood.

The overwhelming majority of the time, it is our own bodies that produce such symptoms. Yes, our own bodies – our own immune systems, to be exact. All those symptoms come, most of the time, as a result of the immune system reacting to the virus.

The virus itself, in most cases, does absolutely nothing. Does not try to infect cells, doesn’t destroy them or trigger any issues. But like an overzealous police department hell-bent on locking up every harmless vagrant and panhandler, our immunity system runs amok producing chemical reactions to the foregin intruder, reactions which are the direct cause of our stuffed noses, scratchy throats, and even aching ears.

Thus, having a strong and robust immune system gives rise to very intense reactions! Far from a sign of weakness, all that sneezing, coughing, and hurt probably means a healthy immune system!

It should be observed that flu viruses do attack us, even though most rhinoviruses don’t. But the symptoms are the same, and it’s a dilemma when strong immunity helps with flu viruses but hurts when it comes to most cold viruses! In any case, it’ll be all right to leave the surgical masks for surgeons.

Watching Science Fiction Films through the Eyes of Science Facts

It’s fascinating to watch old science fiction movies and compare the technology onscreen with current state-of-the-art technology in real life. For example, isn’t it funny that the world of interplanetary travel depicted in Stanley Kubrick’s “2001: A Space Odyssey” should not have thought of smartphones and invented them – though in fact, such devices were in reality just another five or so years away from commercial feasibility! And it’s funny how with all the cinematic attention focused on such grand ambitious technologies like extraterrestrial travel the wonders that really did take place, in the real world, should carry, arguably, a lot more weight, impacting as they do our lives in perhaps much more important ways. Take, for instance, the sort of rides operated by serial entrepreneur Zalman Silber.

Zalman Silber is the founder of a number of tourist attractions in the United States and Australia. Some are really great, such as Skywalk and The Edge, while others are rather uninspired, such as the Skyride and Oztrek. These latter two are billed as an immersive you-are-there experience for the whole family – blah blah blah – but they’re hardly more than travel flicks the kind you can find on public TV, educational fare you’ve seen a million times over already in school, even. They are helicopter fly-bys of New York and Sydney, respectively, with the only concession to “multimedia” (a buzzword that’s been commonly used to ballyhoo them) being so-called motion seating providing kinetic feedback in sync with actions onscreen.

Nothing, as mentioned already, anyone hasn’t seen before.

Yet such things were to be found in many a science fiction film (albeit B-grade knock-offs, admittedly), someone’s vision of what hi-tech audio-visuals would be like one day! Naturally, that just speaks to the poverty of the imagination on the part of the writers more than anything else, but the point is that such contemplation makes for much amusement when screening the science fiction films of yesteryear.

Or take one of the earliest scenes from “Logan’s Run,” when the title character uses a kind of television-teleporter to find a date. Instead of going to a bar, the people of that world use this device to summon dates! It’s nothing short of a kind of 3-D Craig’s List!

These “everyday details” have a tendency to show up in the more thoughtful and interesting movies, and on the whole make up one useful yardstick by which much of the best examples may be separated from the mundane. For most sci-fi flicks focus on laser guns and starships, but leave out what really makes science fiction interesting in the first place, the nexus between science and technology and the everyday lives of human beings.

See how the worldwide web has changed everything? And what is it but a network of computers connecting to one another, serving up information, ordinarily in a graphical (and truly multimedia) way? Nothing especially complicated here; no “warp drive” or “plasma cannon” here – proving the old adage that life is stranger than fiction!