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    <title>COSE Finance</title>
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      <title>Mortgage Forgiveness Debt Relief Act</title>
      <link>http://www.cosemindspring.com/finance/tracking-business-finances/mortgage-forgiveness</link>
      <description><![CDATA[ Prior to the Debt Relief Act of 2007 home mortgage debt forgiveness would result in taxable income to the homeowner. Under the 2007 act you may be able to exclude $2 million ($1 million married filling separate) if your principal residence mortgage debt]]></description>
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      <title>Helping Americans Do a Better Job of Saving for Retirement</title>
      <link>http://www.cosemindspring.com/finance/wealth-planning/helping-americans-better</link>
      <description><![CDATA[ Over the past 20 years, the 401(k) plan has gradually replaced the traditional pension plan as a primary source of retirement income for many American workers. This trend has shifted the responsibility for accumulating a source of retirement income from]]></description>
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      <title>IRS Reduces Extension Period for Certain Business Taxpayer Filings</title>
      <link>http://www.cosemindspring.com/finance/tracking-business-finances/reduces-extension-period</link>
      <description><![CDATA[ The Internal Revenue Service has issued temporary and proposed regulations that will reduce the allowed extension period from the current six months to five months. These changes affect those business taxpayers who file form 1065 - U.S. Return of]]></description>
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      <title>2008 Federal Standard Mileage Rate Revision</title>
      <link>http://www.cosemindspring.com/finance/tracking-business-finances/2008-federal-standard</link>
      <description><![CDATA[ With IR-2008-82 the Internal Revenue Service has announced an increase to the standard mileage rates for second half of 2008. The standard mileage rate for cars, vans, pickup trucks or panel trucks will be increasing to 58.5 cents per mile starting July]]></description>
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      <title>What to Do When the Bank Says NO -- An Overview of Alternative Sources of Capital</title>
      <link>http://www.cosemindspring.com/finance/access-capitalalternative/what-when-bank-says-overview</link>
      <description><![CDATA[Here&#39;s a familiar story.&nbsp; A small, growing business needs working capital to expand or cover operating expenses but gets turned down repeatedly by banks and investors.&nbsp; Does this business owner have any other options?&nbsp; In a word, YES!]]></description>
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      <title>IRS Reduces Businesses Tax Package Mailings</title>
      <link>http://www.cosemindspring.com/finance/tracking-business-finances/reduces-businesses-package</link>
      <description><![CDATA[ IRS Reduces Businesses Tax Package Mailings In a cost cutting move the IRS has been reducing the number of tax form packages being mailed to businesses. In the past those businesses who filed electronically or used a paid preparer were the most likely]]></description>
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      <title>IRA Rollovers: Stashing Your Retirement Nest Egg</title>
      <link>http://www.cosemindspring.com/finance/wealth-planning/rollovers-stashing-your</link>
      <description><![CDATA[ Whether you are a boomer saying goodbye to the daily grind or a Gen-Xer moving on to the next level of your career, retirement or a job change can create an ideal time to ask yourself what you want to do with your accumulated retirement funds.]]></description>
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      <title>Roth 401(k) Plans Are Gaining Traction</title>
      <link>http://www.cosemindspring.com/finance/wealth-planning/roth-401k-plans-gaining</link>
      <description><![CDATA[It looks as though more and more people will have the option of using a Roth 401(k) to save for retirement. Of 429 U.S. companies included in a recent survey, 22% gave employees the choice of a Roth 401(k). Of the companies that did not offer a Roth, 61%]]></description>
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      <title>Retirement Plan Options for Small Businesses</title>
      <link>http://www.cosemindspring.com/finance/tracking-business-finances/retirement-plan-options</link>
      <description><![CDATA[ The American Institute of Certified Public Accountants and the U.S. Department of Labor have teamed together to produce an online video that helps small business owners understand the differences in the variety of retirement plans available. The video is]]></description>
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      <title>What Kind of Estate Plan Makes the Most Sense for You?</title>
      <link>http://www.cosemindspring.com/finance/business-financial-planning/what-kind-estate-plan</link>
      <description><![CDATA[ An estate plan consists of a series of legal documents and legal and financial arrangements that are assembled in a particular way.&nbsp; This arrangement is designed to accomplish your objectives&nbsp;with regard to the use and distribution of your]]></description>
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      <title>IRS Stakeholder Liaison Assistance for Schedule C Filers</title>
      <link>http://www.cosemindspring.com/finance/tracking-business-finances/stakeholder-liaison-assistance</link>
      <description><![CDATA[ Help for Schedule C Filers On May 21, 2008 the Internal Revenue Service (IRS) Stakeholder Liaison section is offering a free National Phone Forum for schedule C filers titled &quot;Calling All First Time Schedule C Filers.&quot; The seminar is designed]]></description>
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      <title>Special Needs Trust: A Unique Solution to Address Unique Needs</title>
      <link>http://www.cosemindspring.com/finance/estate-planning/special-needs-trust-unique</link>
      <description><![CDATA[ Special situations deserve special trust solutions A Special Needs Trust can help you put the financial pieces of your loved one&#39;s future together. With a Special Needs Trust, you can provide for the lifetime needs of a disabled family member without]]></description>
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      <title>Does International Competition Hurt or Help US Manufacturing Small Biz?</title>
      <link>http://www.cosemindspring.com/finance/more-money-your/does-international-competition</link>
      <description><![CDATA[ Many have being asking this question.&nbsp; While&nbsp; most all accept the&nbsp;notion that we are in a global market place, and to play, we must think and act globally, trying to understand what the impact of international competition for small biz has]]></description>
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      <title>Gross Margin - The Potential for Profit</title>
      <link>http://www.cosemindspring.com/finance/business-financial-planning/gross-margin-potential</link>
      <description><![CDATA[ The next line on a P&amp;L is gross profit.&nbsp; Subtract COGS from net sales and you have gross profit.&nbsp; This number is frequently referred to as gross margin and is expressed as a percentage.&nbsp; This is the profit you made from doing what you]]></description>
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      <title>Surviving Recessionary Blues In A Shakey Economy</title>
      <link>http://www.cosemindspring.com/finance/more-money-your/surviving-recessionary</link>
      <description><![CDATA[ With last weekend&#39;s news on the Bear Stearn&#39;s meltdown, many small businesses are rightly concerned about how to best protect their business and personal assets.&nbsp; Added to this, elections, other market corrections, the US dollar getting beat]]></description>
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      <title>Unclaimed Research & Development Tax Credits</title>
      <link>http://www.cosemindspring.com/finance/tracking-business-finances/unclaimed-research-development</link>
      <description><![CDATA[ The following article was written by Chuck Bennett who is a Director with Tax Projects Group, LLP, a national tax consulting firm that specializes in performing R&amp;D Tax Credit Studies. Unclaimed Research &amp; Development Tax Credits Manufacturing]]></description>
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      <title>Cost of Goods Sold - What does it cost to do what you do?</title>
      <link>http://www.cosemindspring.com/finance/business-financial-planning/cost-goods-sold-what</link>
      <description><![CDATA[What does your company do?&nbsp; Some companies manufacture, some provide a service, others distribute.&nbsp; The second line on a P&amp;L is entitled Cost of Goods Sold (COGS).&nbsp; It tells you how much money you spent doing whatever it is you]]></description>
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      <title>Business Benefits of the 2008 Economic Stimulus Act</title>
      <link>http://www.cosemindspring.com/finance/tracking-business-finances/business-benefits-2008</link>
      <description><![CDATA[ On February 21, 2008 the Internal Revenue Service released IR-2008-22 which details the benefits for businesses included in the 2008 Economic Stimulus Act. The two main provisions included in the stimulus package for businesses are fifty percent special]]></description>
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      <title>The Top Line - It All Starts Here</title>
      <link>http://www.cosemindspring.com/finance/business-financial-planning/line-starts-here</link>
      <description><![CDATA[One of the three reports found in a standard set of financial statements is a profit and loss statement (P&amp;L).&nbsp; This statement is also known as an income statement or statement of income. It tells you what the sales and expenses of the business]]></description>
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      <title>Profit - Cash - Wealth  /  Running Your Business by the Numbers</title>
      <link>http://www.cosemindspring.com/finance/business-financial-planning/profit-cash-wealth-running</link>
      <description><![CDATA[ A great business makes a profit and generates cash from those profits. It accumulates cash over time and can do so without much in the way of debt. It makes regular investments in R&amp;D. Such a business pays its expenses and taxes and perhaps makes]]></description>
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      <title>2008 Economic Stimulus Plan Forces Seniors to File In Order to Receive Rebates</title>
      <link>http://www.cosemindspring.com/finance/tracking-business-finances/2008-economic-stimulus</link>
      <description><![CDATA[ The late decision to include seniors as part of the 2008 Economic Stimulus Plan is causing many seniors to consider filing a 2007 return. That is because only those individuals who file a 2007 return will be eligible to receive the rebate checks from the]]></description>
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      <title>Newly Improved Publication 17</title>
      <link>http://www.cosemindspring.com/finance/tracking-business-finances/newly-improved-publication</link>
      <description><![CDATA[ The Internal Revenue Service has now included over 800 hyperlinks within Publication 17. This allows users of Publication 17 to access information more quickly. The hyperlinks are in both the pdf and HTML version. The HTML version is also accessible to]]></description>
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      <title>Help in Choosing a Tax Preparer?</title>
      <link>http://www.cosemindspring.com/finance/tracking-business-finances/help-choosing-preparer</link>
      <description><![CDATA[ On February 20, 2008 the Internal Revenue Service (IRS) Stakeholder Liaison section is offering a free National Phone Forum on &quot;Choosing a Tax Preparer.&quot; The seminar is designed for individuals, small business owners, industry associations and]]></description>
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      <title>IRS provides guidance on the highly debated issue of Independent Contractor vs Employee</title>
      <link>http://www.cosemindspring.com/finance/tracking-business-finances/provides-guidance-highly</link>
      <description><![CDATA[ IRS provides guidance on the highly debated issue of Independent Contractor vs Employee The Internal Revenue Service recently issued a fact sheet titled &quot;Employment Taxes and Classifying Workers&quot; (FS-2007-27). This fact sheet provides guidance]]></description>
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      <title>IRS Announces 2008 Cost-of-Living Adjustments</title>
      <link>http://www.cosemindspring.com/finance/tracking-business-finances/announces</link>
      <description><![CDATA[ December 11, 2007 IRS Announces 2008 Cost-of-Living Adjustments The following is a list of items affected by the IRS cost-of-living adjustments for 2008 which can be found in IRS Rev. Proc 2007-66 (http://www.irs.gov/irb/2007-45_IRB/ar19.html):]]></description>
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      <title>IRS Sets New Guidelines for Contingent Fees</title>
      <link>http://www.cosemindspring.com/finance/tracking-business-finances/sets</link>
      <description><![CDATA[ December 7, 2007&nbsp; IRS Sets New Guidelines for Contingent Fees In the past, the IRS has taken a strong stance against all forms of contingent fees. The recently released&nbsp;circular 230 revisions issued by the Treasury Department allow tax]]></description>
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      <title></title>
      <link>http://www.cosemindspring.com/finance/tracking-business-finances/</link>
      <description><![CDATA[]]></description>
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      <title>2008 Federal Standard Mileage Rates</title>
      <link>http://www.cosemindspring.com/finance/tracking-business-finances/2008</link>
      <description><![CDATA[ November 29, 2007 Under Revenue Procedure 2007-70, the Internal Revenue Service has issued the standard mileage rates for 2008. The standard mileage rate for cars, vans, pickup trucks or panel trucks will be increasing to 50.5 cents per mile starting]]></description>
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      <title>Estate Planning Essentials</title>
      <link>http://www.cosemindspring.com/finance/estate-planning/estate</link>
      <description><![CDATA[]]></description>
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      <title>Ohio New Hire Reporting Requirements</title>
      <link>http://www.cosemindspring.com/finance/tracking-business-finances/ohio</link>
      <description><![CDATA[ November 16, 2007 Ohio employers are required to report newly hired or rehired employees and contractors to the State of Ohio New Hire Reporting Center. The information collected is matched with state and national data to help collect child support and]]></description>
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      <title>In's and Out's of Venture Capital</title>
      <link>http://www.cosemindspring.com/finance/more-money-your/ins</link>
      <description><![CDATA[With the push underway to create new industries in Ohio, the bar has been lowered for smaller businesses and eager entrepreneurs with a great innovative idea to get into the venture capital game. Historically this more sophisticated form of financing was]]></description>
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      <title>Port Authority Reaches Out to Fund Smaller Projects</title>
      <link>http://www.cosemindspring.com/finance/more-money-your/port</link>
      <description><![CDATA[ You&#39;re in the market to finance construction, land and building acquisition, facility improvements or maybe major capital equipment.&nbsp;&nbsp;&nbsp;You&#39;d like to look at funding sources other than just your bank. &nbsp;Consider talking with the]]></description>
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      <title>Passport to Export Financing</title>
      <link>http://www.cosemindspring.com/finance/more-money-your/passport</link>
      <description><![CDATA[Small businesses interested in opening or further developing new markets overseas for their products and services, while reducing their risk, have many options available.&nbsp;&nbsp; Ohio has deep expertise in global trade and &nbsp;is the sixth largest]]></description>
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      <title>Negotiate Better Deals Before You Need Money</title>
      <link>http://www.cosemindspring.com/finance/more-money-your/negotiate</link>
      <description><![CDATA[It is vital that your business is able to access capital funding whenever it needs it.&nbsp; If you have a good track record and have been paying your loans back on time, but now find yourself jumping through hoops for your lender, it may be time to start]]></description>
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      <title>Prepare Loan Requests Like the Pros to Access More Capital</title>
      <link>http://www.cosemindspring.com/finance/more-money-your/prepare</link>
      <description><![CDATA[The best approach&nbsp; to take advantage &nbsp;of the available funds if you are requesting a significant increase in credit is to prepare a complete loan package, prior to meeting with a lender and&nbsp; submitting your credit request.&nbsp; Consult]]></description>
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      <title>Know the Signs of Lender Fatigue</title>
      <link>http://www.cosemindspring.com/finance/more-money-your/know</link>
      <description><![CDATA[Annually many banks assess how profitable their individual client relationships are to the bank, their shareholders and their ratings on Wall Street.&nbsp; &nbsp;In many cases, these audit reviews are conducted by your relationship manager when your]]></description>
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      <title>De-Mystifing National Institutes Of Health Small Biz Grants</title>
      <link>http://www.cosemindspring.com/finance/more-money-your/mystifing</link>
      <description><![CDATA[Small Business Innovation Research (SBIR) and Small Business Technology Transfer (STTR) programs, managed by the National Institutes of Health (NIH), are federal financial grants targeted for small business. &nbsp;NIH&#39;s mission is to improve human]]></description>
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      <title>Helpful Tips for Start Up Businesses</title>
      <link>http://www.cosemindspring.com/finance/more-money-your/helpful-tips-st</link>
      <description><![CDATA[ Below is an Excerpt from: How to Change the World&quot;&nbsp;from Guy Kawasaki&#39;s Feed Blitz &quot;How To Change The World.&quot; This is a very realistic overiew&nbsp;of what really happens with many start ups.&nbsp; Great advise.&nbsp; Great]]></description>
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      <title>SBA 504 Guarantee Fee Eliminated</title>
      <link>http://www.cosemindspring.com/finance/more-money-your/guarantee-elimi</link>
      <description><![CDATA[ Commencing October 1st, the up-front Small Business Administration (SBA) Guarantee fee, ranging to up to 1/2% of the loan is being eliminated.&nbsp; This one-time engagement fee historically has been paid by the borrower.&nbsp; Fees the particpating bank]]></description>
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      <title></title>
      <link>http://www.cosemindspring.com/finance/more-money-your/</link>
      <description><![CDATA[]]></description>
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      <title>State to Pump $500 Million into Small Biz by Reviving Link Deposit Program</title>
      <link>http://www.cosemindspring.com/finance/more-money-your/state</link>
      <description><![CDATA[ SEPTEMBER 12, 2007&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;]]></description>
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