A friend of mine who owned his business asked me should I rent my office or buy one. I advised him to buy one in his name and rent it to his company. I gave him the following example.

Assume you were paying yourself a monthly salary of $5,000. You have to pay about 25% Federal Income Tax plus 15% FICA tax. Note I rounded the Tax off from 15.3%. Now by changing this Salary to a rental payment from your company you do not pay the 15% FICA tax. Moving this to rental income you get to keep the total $5,000 each month until the next tax year, thus increasing your cash flow. This assumes you do not owe more than $1,000 in Federal Income Taxes at the end of the prior year otherwise you have to pay Federal Income Tax using quarterly estimates. The best part is you now do not pay any FICA tax and save 15.3% which is about $9,000 per year thus saving you a lot of money. Now keep in mind these numbers are not exact but they are close to correct. How hard is it to save this kind of money? As any normal person knows it is very hard to save 15% a year.  
The Race for Money is a race against time to save enough money for retirement. Learn how to reduce your taxes by 15% or more a year. Learn how to make 9%, 10%, and even 16% on your money each year. Learn how to double your money in as little as 5 years. There is hope, no matter how much money you make, to improve your return on investments. There is hope for you to have a bright future. Use the same tricks that the Mega Rich do that are mentioned in my book. Money makes Money and using the methods in this book one can even achieve a 30% or higher return per year. 


CONSULTANT: Thomas H. Ward, MBA in International Business with over 30 years experience in export and import of goods and services.  Has done work for KIA, Inc, RCA, Zenith, Texas Instruments, Stuart Coatings, and SKC (Korea), to name a few companies. Import / Export experience with China, Japan, S. Korea, Southeast Asia, Europe, Mexico, North America, and South America.

I wrote the book LETTERS OF CREDIT AND DOCUMENTARY COLLECTIONS available on Amazon, Kindle and, Xlibris publishing.  Go to:

If you need help to export or import goods or services I can provide the following at low costs.

1. Help to set up a Letter of Credit for export, providing you step by step guidance.

2. Help to review Letters of Credit and Bills of Lading for your export shipment to make sure you are adhere to the terms of the LC.

3. Arrange Shipping for your export goods with a dependable Freight Forwarding Agent that can handle HAZMAT or DANGEROUS goods. Shipments can be made from LA, Chicago, New York, or Houston.

4. I can make sure you will be paid so your risk of nonpayment is zero.

5. I can show you how to use a Letter of Credit to obtain an Assignment of Proceeds Letter from your bank to avoid making a costly Transferable Letter of Credit. An Assignment of Proceeds Letter does not advise who the customer or supplier is keeping this information private.

6. I can advise you what Banks to use to reduce your Banking charges when using a Letter of Credit.

These are just some of the services I offer. Email me with your problems and questions I will reply at no cost to you. Let me help you make more money.

Contact me at: I provide low fees with excellent service.

Do not take chances with your money. Doing export shipments is a risky business so make sure you get paid. Likewise importing goods and paying in advance is also risky. I can help you remove the risk
My books explains in detail how to use Letters of Credit and also Assingment of Proceeds Letters to help you cash flow.
Using the book "Letters of Credit and Documentary Collections," you can answer any question you may have about using Letters of Credit. After reading this you will be an expert and be able to use this powerful tool to help your business start international sales with little to no risk. No risk is the key when selling outside the good old USA as there are many ways to get burned. This book is loaded with real life examples and samples of the required paper work. It provides a step by step guide how to open a Letter of Credit.