Author Archives: Pat Michael

BORDERLANDS 3 SHIFT CODES FOR GOLDEN KEYS

A new year means new Borderlands 3 Shift codes, as well as codes for Borderlands 2 and The Pre-Sequel. Shift Codes are vital to opening up Golden Chests and getting at the epic loot inside. While there are some codes that last forever, they can only be claimed, which appear from time to time, along with codes for other games. The new codes expire though, sometimes in hours, sometimes in days so it’s worth checking back for both Borderlands 3 and the other games to see if anything new has arrived. We’ve got them all either way with Borderlands 3 Shift codes and codes for older games all here in one place. So check those digits and see what you win.

To claim one of these working Borderlands 3 shift codes list or any of the others, you’ll need to head into the game and find the Shift menu. From there you can input the code and as long as it’s valid you’ll find Golden Keys will be sent to your Vault Hunter’s mailbox. These can then be used to unlock a Golden Chest to reveal the shiny loot inside.

What are Shift Codes?

Shift Codes are used to collect Golden Keys which unlock a chest on Sanctuary that will reward you will loot! They are distributed sometimes at random by following Gearbox and the Borderlands social channels, or they can be distributed during various events. You need a Shift Account to use the keys, so be sure to sign up for one.

How-to Get Golden Keys

Golden Keys can be obtained via Shift Codes. These Golden Keys can be used within the game to open up a chest that will give you random rewards. These rewards are usually a few weapons of different types that are at your current level. You can also get armor and grenade mods as well. Golden Keys are redeemable at Sanctuary 3, which is your main hub in Borderlands 3.

Permanent Borderlands 3 Shift codes

These Borderlands 3 Shift codes unlock Golden Keys, and should never expire, as far as we know.

  • ZFKJ3-TT3BB-JTBJT-T3JJT-JWX9H – 3 Golden Keys
  • HXKBT-XJ6FR-WBRKJ-J3TTB-RSBHR – 1 Golden Key
  • ZFKJ3-TT6FF-KTFKT-T3JJT-JWX36 – 1 Golden Key
  • 9XCBT-WBXFR-5TRWJ-JJJ33-TX53Z – 1 Golden Key
  • ZRWBJ-ST6XR-CBFKT-JT3J3-FRXJ5 – 1 Golden Key
  • Z65B3-JCXX6-5JXW3-3B33J-9SWT6 – 1 Golden Key
  • CHWJ3-XKHCH-K6KXZ-XT3TT-6HB66 (5 Golden Keys)
  • WH5TT-CWZ5Z-WXWR9-63BB3-ZWBR3 (3 Golden Keys)
  • CB53B-WJTTJ-HJCZC-HBK3T-F3RX5 (3 Golden Keys)
  • CTKB3-3TTB3-ZTWH5-9T5JJ-3TSH9 (3 Golden Keys)
  • 5SKTJ-3CSKZ-WFCF9-6BJ3T-WC96W (Conference Call Legendary Shotgun)
  • 5JCTJ-FZSHK-R9R6Z-5RBTB-KKJZT (10 Golden Keys)
  • CBWT3-B99HW-6SFX9-5FJJB-J39KJ (3 Golden Keys)
  • 5BKBB-KZ9SK-69R69-5F3TT-RK5RC (3 Golden Keys)
  • KTKTT-HXHZK-XZFRZ-CXTJJ-XXWKK (5 Golden Keys)
  • C3KTJ-WF9SK-F9F6H-56TT3-CZ6FR (10 Golden Keys)
  • CTWJB-H5HSW-R96RS-5R3BB-H33K5 (5 Golden Keys)
  • WBKTT-XXHSW-XHRXZ-KRJTJ-RKWSH (3 Golden Keys)
  • CTWBT-RKZZ5-6S6XS-WR33T-RHZ59 (3 Golden Keys)
  • C3KJB-3H9HZ-63KZW-9BKJB-WZRCR (5 Golden Keys)
  • KBWBJ-W5HH5-RZXF9-KXB3T-JRBRJ (3 Golden Keys)
  • C3C3B-BB9SS-FTKHK-ZTWTB-99CRX (10 Golden Keys)

Limited time Borderlands 3 Shift codes

Most of Borderlands 3’s new Shift codes expire within a few days of being posted on Twitter. As of January 13, 2021, there are no active temporary BL3 Shift codes.

How to find the newest Shift codes before they expire

So far, many of Borderlands 3’s Shift codes have expired after only a few hours, and are posted exclusively on Randy Pitchford’s Twitter account. Following him is the best way to catch Shift codes that expire within 24 hours. You can usually spot one on Fridays in preparation for the weekend that will expire on Saturday morning. Alternatively, the fan-run dgShiftCodes Twitter account posts every new Shift code after Randy tweets them out.

Borderlands 3 VIP codes

The Borderlands 3 VIP program officially ended on May 18th, 2020. Prior to Borderlands 3’s launch, Gearbox gave out Vault Insider Program keys that worked similarly to Shift Codes. You earned them by doing things like watching trailers or following its social media. Now that Borderlands 3 is well past launch, the program has been discontinued. You are no longer able to redeem any of the old codes.

Sony Alpha a6000 Mirrorless Digital Camera Reviews

The new gear keeps motivating us. If you ask me, having a new camera is among the top in that list. However, we all know that cameras are not cheap to get. With a budget under $500, we have handpicked branded cameras with great quality to boost your daily shooting. Bring one of these DSLR Camera Below $500 on your next trip or to your favorite singer’s live concert, you’ll fall in love with it!

Canon and Nikon are considered best for photography but they lag far behind when it comes to videos. Sony has emerged as a gold standard for 4K Videos, with Panasonic as a strong competitor. So if your focus is photography does not look far from Canon or Nikon, but if you want something for Vlogging and 4K videos, check Sony, Panasonic or Olympus.

  • Olympus OM-D E-M10 Mark II Digital Camera

Slim and sleek, reviewers like this M10 Mark II from Olympus for its superior image quality, robust outer shell, and versatility. The OM-D E-M10 is a mirrorless digital camera that delivers hi-res 16MP photos and full HD 1080p recordings. The in-camera 5-axis image stabilization not only smoothes out any camera shake, but it’ll detect lighting conditions to adjust for optimal shooting conditions. Olympus’ FAST AF system (yes, that’s the actual name and relax, it stands for “autofocus”) uses 81 contrast-detection areas for quick, accurate tracking. Unlike other cameras, this one features face and eye detection, to pick out people, and blur out unnecessary details.

  • Canon EOS M200

Canon’s EOS M200 is an approachable camera that is capable of excellent image quality and will just about fit in your pocket. The EF-M lens lineup offered by Canon and Sigma isn’t terribly varied, but there are good options available for most users. The controls are well-judged, and the touchscreen interface is polished and responsive. For a camera whose price hovers around the $500 mark (with a lens), the M200 provides a lot of bang for your buck.

  • Sony Alpha a6000 Mirrorless Digital Camera

Next on our list of the best beginner cameras under $500 is the Sony a6000. This camera boasts the best photo quality on our list with a 24.3 MP APS-C sensor. While it doesn’t match the T-100’s 4K video, its full HD 1080p is certainly nothing to overlook. We recommend the a6000 to those looking for a sleek, powerful, pocket-sized mirrorless camera with a lot of potentials (and the included 16-50mm f/3.5-5.6 lens doesn’t hurt either).

  • Nikon COOLPIX B500

For a starter digital camera, you can’t go wrong with this bundle from Nikon. Reviewers love Nikon’s best-selling COOLPIX series for its easy set-up right out of the box, and this set includes a camera, two 16GB SDHC memory cards, carrying case, camera strap, and cleaning kit. The camera itself is compact enough for travel but comfortable enough for you to get a solid grip. It features a 16MP sensor, 40x optical zoom (which lets you shoot everything from wide-angle to telephoto images), and a flip-up LCD screen for easy viewing. Bluetooth and WiFi connectivity let you transfer images easily. While this camera can shoot up to 1080p full HD video, users say it’s better suited to still images. If you’re looking for a true photo/video digital camera, you may want to consider other options on this list.

  • Panasonic LUMIX G7 Mirrorless Camera

Last but not least on our list of the 5 best beginner cameras under $500 is the Panasonic LUMIX G7. While this camera may not have the highest quality sensor for photos (16 MP) it does boast 4K video! This is a major perk for anyone looking for an affordable, entry-level vlogging camera. We recommend this bundle for anyone interested in graduating from a smartphone to something more powerful and adaptable.

Tubemate for PC free Download Windows 7, 8,10, XP

tubemate App will be an ideal app for you. The app will also supply you with the freedom to decide on the attribute of the video which you would love to download like HD quality or some other resolutions. This app provides you with the comprehensive freedom of downloading all type of videos which are available on YouTube directly with no alternative restrictions. Then this app is ideal for you. There are not any difficult or exceptional things to do to Install this app. Dependent on the Tubemate download format you’ve selected you may require an excess app so as to play such sort of files. There are lots of apps you may be interested in using for this objective.

Yes, it’s unavailable for Android, but we are utilizing a little trick here. Tubemate youtube downloader android google that is widely utilized in all of the smartphone devices. TubeMate app is specially made for smartphones but nevertheless, you can delight in the TubeMate app on your computer. It is extremely easy to use the TubeMate app to be able to access watching your favourite videos. The TubeMate app is also readily available for the subsequent devices. Though there are different apps which gives video download from YouTube but when it regards the Tubemate no one can compete.

Nearly all formats are offered for a video. The file is readily available free of charge on a great deal of third party websites. It is downloaded in no time at all. All you have to do now is scan the file and Install it upon your Android smartphone. You could enjoy all of the video files on your computer by downloading it via TubeMate App. You’re not likely to locate them in your download folder.

With the aid of TubeMate, you are going to be getting complete entertainment in which you’ll be able to watch movies, videos, teaser, and a lot more. When connecting is finished, choose the video you would like to transfer and they’ll show up on your Android device in minutes. Sometimes you would like to download a great deal of videos from various sites. You may also download and then watch the videos when you’re in offline. By using TubeMate, you may download any videos in various formats and unique qualities. If you’d like to watch a specific video then you need to look for the video in the search bar. When you must download YouTube Video free, utilize the app to Search the video, select the resolution and your video is going to be downloaded in virtually no time whatsoever.

The interface of TubeMate is quite easy and simple to navigate, the app can able to support just about all languages on earth. Also sometime user also search for tubemate for windows phone that you may also download at no cost. So it’s quite important that the users should await the updates for few days per week sometimes. Then the interface of the application is quite easy and User-Friendly, and it could even be employed by amateur users too.

If you just click the green button which is situated at the base of the screen in the app then it is easy to begin browsing the videos. The wider screen like PC is going to be a better chance to see the videos. Enjoy the YouTube videos through Tubemate which will help you to have an effortless viewing of the videos which you will like to see.

January 19, 2017 What You Need to Know About IRS Audits (Mission Valley)

Come join us on Thursday evening, January 19, 2017 from 6:30pm – 8:30pm, in Mission Valley!  You could win free tax prep services!

The Business of Family Child Care:  What You Need to Know About IRS Audits

  • Get valuable tax preparation & record-keeping advice!
  • Learn about allowable deductions that most tax preparers miss!
  • Ask questions – get answers!
YMCA Childcare Resource Service
3333 Camino del Rio South, Suite #400,  San Diego, CA 92108

Cost:  $15.00 per person

Space is limited so register today!  Call now 1-800-481-2151  or go online to mytraining@ymca.org

YOU COULD BE THE WINNER…

FREE 2017 INCOME TAX PREPARATION!

If you attend a YMCA CRS sponsored tax workshop you could be the LUCKY WINNER and receive FREE tax preparation services for 2017 Federal/State 1040/540 Forms.  All other attendees will receive 25% off 2017 tax preparation services.  Presentation & offer provided by R. Patrick Michael, EA and applies to new clients only.

Continue reading →

January 14, 2017 Tax & Recordkeeping Workshop (Mission Valley)

Come join us on Saturday morning, January 14, 2017 from 9:00am – 12:00pm, in Mission Valley!  You could win free tax prep services!

The Business of Family Child Care:  Tax & Recordkeeping

  • Get valuable tax preparation & record-keeping advice!
  • Learn about allowable deductions that most tax preparers miss!
  • Ask questions – get answers!
YMCA Childcare Resource Service
3333 Camino del Rio South, Suite #400, San Diego, CA 92108

Cost:  $15.00 per person

Space is limited so register today!  Call now 1-800-481-2151  or go online to mytraining@ymca.org

YOU COULD BE THE WINNER…

FREE 2017 INCOME TAX PREPARATION!

If you attend a YMCA CRS sponsored tax workshop you could be the LUCKY WINNER and receive FREE tax preparation services for 2017 Federal/State 1040/540 Forms.  All other attendees will receive 25% off 2017 tax preparation services.  Presentation & offer provided by R. Patrick Michael, EA and applies to new clients only.

January 5, 2017 Tax & Recordkeeping Workshop (Escondido)

Come join us on Thursday evening, January 5, 2017 from 6:00pm – 9:00pm, in Escondido!  You could win free tax prep services!

The Business of Family Child Care:  Tax & Recordkeeping

  • Get valuable tax preparation & record-keeping advice!
  • Learn about allowable deductions that most tax preparers miss!
  • Ask questions – get answers!

Palomar Family YMCA, 1050 N Broadway, Escondido, CA 92026

Cost:  $15.00 per person

Space is limited so register today!  Call now 1-800-481-2151  or go online to mytraining@ymca.org

 YOU COULD BE THE WINNER…

FREE 2017 INCOME TAX PREPARATION!

If you attend a YMCA CRS sponsored tax workshop you have a chance to be the LUCKY WINNER to receive FREE tax preparation services for 2017 Federal/State 1040/540 Forms.  All other attendees will receive 25% off 2017 tax preparation services.  Presentation & offer provided by R. Patrick Michael, EA and applies to new clients only.

New Jan 31 Deadline for Employers

A new federal law, aimed at making it easier for the Internal Revenue Service (IRS) to detect and prevent refund fraud, will accelerate the W-2 filing deadline for employers to January 31.

For similar reasons, the new law also requires the IRS to hold refunds involving two key refundable tax credits until at least February 15. Here are details on each of these key dates.

The Protecting Americans from Tax Hikes (PATH) Act, enacted last December, includes a new requirement for employers. Employers are now required to file their copies of Form W-2, submitted to the Social Security Administration, by January 31. The new January 31 filing deadline also applies to certain Forms 1099-MISC reporting non-employee compensation such as payments to independent contractors.

In the past, employers typically had until the end of February, if filing on paper, or the end of March, if filing electronically, to submit their copies of these forms. In addition, there are changes in requesting an extension to file the Form W-2. Only one 30-day extension to file Form W-2 is available and this extension is not automatic. If an extension is necessary, a Form 8809 Application for Extension of Time to File Information Returnsmust be completed as soon as you know an extension is necessary, but by January 31. Please carefully review the instructions for Form 8809, for more information.

The new accelerated deadline will help the IRS improve its efforts to spot errors on returns filed by taxpayers. Having these W-2s and 1099s earlier will make it easier for the IRS to verify the legitimacy of tax returns and properly issue refunds to taxpayers eligible to receive them. In many instances, this will enable the IRS to release tax refunds more quickly than in the past.

The January 31 deadline has long applied to employers furnishing copies of these forms to their employees and that date remains unchanged.

Some Refunds Delayed Until at Least February 15

Due to the PATH Act change, some people will get their federal refunds a little later. The new law requires the IRS to hold the refund for any tax return claiming either the Earned Income Tax Credit (EITC) or Additional Child Tax Credit (ACTC) until February 15. By law, the IRS must hold the entire refund, not just the portion related to the EITC or ACTC.

Even with this change, taxpayers should file their returns as they normally do. Whether or not claiming the EITC or ACTC, the IRS cautions taxpayers not to count on getting a refund by a certain date, especially when making major purchases or paying other financial obligations. Though the IRS issues more than nine out of 10 refunds in less than 21 days, some returns are held for further review.

Canceled Debt – Is It Taxable or Not?

 

Canceled DebtIRS Answers,  ‘Canceled Debt – Is It Taxable or Not?’

US-TaxLaws.com has published the most recent writing from the IRS on the subject of canceled debt.

Cancellation of a debt may occur if the creditor cannot collect, or gives up on collecting, the amount you are obligated to pay. 

If you own property subject to a debt, cancellation of the debt also may occur because of a foreclosure, a repossession, a voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification.

To read the full article.  

IRS FORMS   Exclusive Use Rule   POLICIES  & PROCEDURES   Checklists, Mail & Mileage Logs   IMPORTANT TAX DATES   Articles & Books   GLOSSARY OF TERMS   Childcare Provider  BLOG   US-TaxLaws.com BLOG  Crime Prevention and Emergency Handbook
Home Fire Safety Self-Inspection Checklist   TAX INTERVIEW CHECKLIST
Child care provider medical safety checklist   Provider Meal and Snack Log
The Baby Name Wizard

For more than 30 years R. Patrick Michael has been preparing tax returns for individuals, small businesses, cottage industries and in-home child care providers. Pat is a recognized child care provider tax expert, and has been providing educational seminars for child care providers in San Diego County for the YMCA Child Resource Services for more than 18 years. bluehost india coupon Pat and his team have built a following that is comprised of long-term clients, new relationships and word-of-mouth referrals. Child Care Tax Specialists take care of their clients year-round with tax preparation, business entity creation and support, as well as tax planning for retirement, and estate planning.

 

 

Update on Earned Income Credit

Box of ReceiptsIncrease to Earned Income Credit

The earned income credit applies to working taxpayers that have income falling below certain thresholds.  The qualification threshold depends on the number of persons in each family.  The thresholds in 2014 to qualify for this credit include:

  • No Children:  earnings must be less than $14,590, or $20,020 if Married Filing Jointly.
  • One Child:  earnings must be less than $38,511, or $43,941 if Married Filing Jointly.
  • Two Children:  earnings must be less than $43,756, or $49,186 if Married Filing Jointly.
  • Three or More Children:  earnings must be less than $46,997, or $52,427 if Married Filing Jointly.

The tax credits themselves have also increased in 2014, with the maximum received as indicated below:

  • No Children:  $496
  • One Child:  $3,305
  • Two Children:  $5,460
  • Three or More Children:  $6,143

 

Source: http://www.money-zine.com/financial-planning/tax-shelter/income-tax-changes-2

So, You Are Being Audited. Now what?

FINAL October 2014 Audit Seminar FlyerJust finished an article in Entrepreneur Magazine.  It is a columnist sharing his experience and *lessons learned* going through an audit.  He thought he kept good records, but discovered there is always room for improvement.

Every year I give seminars exclusively for the child care provider community through the YMCA Child Resource Services.  The entire purpose of these seminars is to give providers the best tools and tips that will help maximize their deductions, and improve their record keeping skills.This year the Audit Seminar is on Wednesday, October 22, and includes a free workbook handout of our  “Secrets to Survive an IRS Audit”. Continue reading →