Operation Choke Point and What It Means for Merchants’ Livelihoods

“Choke Point is an affront to the American way of life”, says Marc Cohen, owner of Powderhorn Outfitters. And he is not alone. Many small business owners are suddenly finding out that their bank has closed their businessaccount. Why? Operation Choke Point.

Operation Choke Point, as dubbed by the Department of Justice officials, seeks to weed out any and all businesses the White House has decided are “objectionable”. According to a House report, the primary target is the short-term lending industry. The long list of undesirable businesses also includes non-financial businesses: certain ammunition merchants, coin dealers, sellers of pharmaceutical drugs, home-based charities, among others. It should be noted that all of these businesses are lawful enterprises.

According to The Daily Signal, Sens. Ted Cruz of Texas and Mike Lee of Utah, are currently trying to fight it. “The Obama administration initiated Operation Choke Point to punish law-abiding small businesses that don’t align with the president’s political leanings. The DOJ should not be abusing its power by trying to bankrupt American citizens for exercising their constitutional rights.”

Pawn shop owner, Brian Brookman, suddenly lost his bank account even though he has never had any trouble with federal or state officials. After doing some research, he concluded that his banker, JP Morgan Chase, closed the account because of his business activities. His pawn shop deals with vintage coins and selling firearms, which are labeled as “high risk” by federal bureaucrats.

Steve Stratford, owner of Secure Account Services, LLC., shared with The Daily Signal that his business has been on the verge of collapse twice. In 2013, his business accounts with both Chase Bank and Horizon Community Bank were closed. After doing some digging and talking to bank employees, he finally determined that the closures were due to Operation Choke Point. In fact, the banker told Stratford that if his Chase branch didn’t “mitigate the risk”, all accounts could be audited.

Yet another victim to Operation Choke Point, Marc Cohen, was denied a new line of credit. The reason: his involvement in the firearms industry. When he inquired further, his bank manager of more than 20 years apologized and explained that “the bank won’t lend you money because you sell guns.”

Thankfully, alternative lenders – like First American Merchant –have stepped in to help small business owners secure the business funding and payment processing solutions they need; they specialize in working with the high risk business. Through FAM’s large network, extensive partnerships and support staff, merchants can go on operating as they were before Operation Choke Point – even with a high risk categorization.

Tax Advice for Freelancers

Being a freelancer can be a very empowering and exciting experience, however, it can also prove challenging when it comes to filing your taxes. From knowing when to file a 1099 MIC to paying your quarterly taxes. There are many things as that a freelancer needs to take into consideration when it comes to filing out their taxes. Here’s a list of tax advice for Freelancers hopefully it helps you the next time you file.


You need to fill out a W-9 and a 1099 MIC Form.

If you’ve earned more than $600 for one client, they need to send you a 1099 MIC form for you to fill out for your taxes. You will need to fill these forms out for each client.


You should be paying taxes quarterly.

April 15th, June 15th, September 15th, and January 15th you’re responsible for your quarterly taxes.


You need to pay self-employment tax in addition to income taxes.

92.55 percent of your net earnings are subject to self-employment tax, be sure to set money aside so that you can pay.If you didn’t do this for 2015 be sure you start setting it aside now.

Keep track of business expenses.

Everything from dictation software to a new laptop, if you’re using it for your freelance business can count as deduct. In addition, if you have a dedicated home office you may be able to deduct a portion of your household expenses to include your mortgage or rent, utilities and insurance based on square footage of your office.


Commit to solid record-keeping

Using financial tracking systems such as Mint or Balance personal finance applications is an excellent way to stay on top of all of your clients and expensive. You can even set up algorithms so that the forms will automatically tell you how much needs to be taken out from each check you receive. In addition, it is easy to export the information into the TurboTax, Tax Act or H&R Block application when filing your taxes.

When in doubt get help

Don’t be scared to contact a tax professional to assist you with all your tax questions and concerns.  In addition, to helping you file they can also give you a comprehensive list of best practices for Freelancers to follow.

Now that you know some tax advice for Freelancers, be sure you are to utilize these tips and tricks to keep track of your finances and file your taxes. To find out more relevant tax information be sure to visit hrblock.com. And for all the latest deals on H&R Block Services be sure to stop by groupon.com today.

Tips for Better Writing

These days good web content is as important as the product of any business. There are simple ways to ensure that the writing done for your web content is of the highest quality.

First, make it simple. Don’t use words in your writing that you wouldn’t use in your every day speech. It may be our first impulse to think that big words can make us sound intelligent and therefore means our writing is better, but actually, it alienates the reader. The purpose of writing is to share in communication, not create a feeling of separation.

Ensure proper keyboard technique while you write. It’s important to keep your elbows bent at a 90-degree angle with the wrists straight, not resting on your desk or keyboard. Proper alignment means you’ll feel relaxed while you write without putting undue stress on the body. One way to maintain regular relaxation and physical upkeep is to get a massage. There are plenty of affordable options for massage deals in Austin. Keeping your body relaxed will allow for a comfortable work environment to keep those words flowing.

One of the best tips for writing is to eliminate excess words. Often we run into the trap of thinking that reiterating our point will be the best way to communicate, or that if we say something more than once it will be more effective than only saying it once. It’s better to say something once in effective language than to repeat it unnecessarily. Similarly, words like “very” or “extremely” only serve to muddle up language instead of clarifying it and should also be discarded.

Paying attention to the format of an article is important. Readers want to know the information they are reading is going somewhere. Articles should include clear introductory, middle and concluding sections. This helps readers understand what they are reading and bring the article to a natural crescendo.

In order to write effectively, make sure to explicitly state what it is you’re trying to say. Rather than announce what will happen next, for example, writing, “next we will conclude the article,” simply write the concluding lines and allow the reader to come to their own natural understanding.

Using these tips and tricks will be sure to improve your writing and allow you to better connect with your audience.

Using Solid Wisdom To Build Your Article Submission Empire

Anyone who wants to write better articles for ways to more effectively market website content will appreciate a collection of article advertising tips. The following tips outlined below will help you boost the effectiveness of your marketing.

Search engines have scheduling bots that determine how often they will reevaluate your site to re-index the content. The more content you post, the better!

In any ambitious article syndication strategy, articles will be plentiful and far-reaching. This is a great situation so long as your articles provide working links in them that direct people back to the original website. Working links increase the SEO rankings and attract new readers. Broken or missing links can harm the long run.

Use a mixed level of technical information in your articles. You should also need to put things in layman’s terms for those who won’t otherwise understand the material. You will gain respect when you gear your credibility and value by addressing all of your audience.

Don’t look to an automated writing services for all of your article promotion purposes. They can provide many articles in a limited amount of time, but they probably won’t be high-quality pieces. Some aren’t even contain properly written English.

Do not copy the sole purpose of increasing your word count or incorporating keywords for SEO purposes.Staying innovative and unique gives you a leg up when it comes to marketing. There are tools that will identify whether or not your content is original, so it’s important to keep your material original and fresh.

Many websites that accept articles will pay you for each click on your articles. There are many ways to use your articles to keep earning a variety of passive income sources available to article marketers.It can actually be a bit of money.

Be certain to give your article has a title which is catchy. The fastest way to draw readers to your article is by giving it a title that will pique the reader’s interest. Think about using keywords with questions or statements that incorporate keywords.

This helps make your content clearer and understand. Using bullets is an easy way to get a reader to focus on important material.

Social media is a distinct advantage for article submission. This will generate a lot of interest for what you wrote.

Write your articles the way you would say it. Don’t bother with an article if you are still a novice. Readers have the ability to tell that it isn’t your true voice in the writing in your voice and may possibly skip reading the article.

Make sure you’re familiar with any sites that you submit your marketing work to. Understand all guidelines and rules for helpful tutorials. Most sites will have all the needed information; it just search for it.

Directories are likely to not accept your articles if they have tons of grammatical and spelling errors. Even if a poorly written article is published, the readers will not see it as authoritative if it isn’t well-written. Hire a good writer if you are not one of your strengths.

Try not to sell yourself when writing content. A very well written article will sell itself.

Use a headline for your article that will compel your reader want to read it. Use words that will pique the interest of your readers and will encourage them to think.

The quality of your articles is more than the quantity.Customers want articles that are informative and informative. They are not interested in lots of random content that don’t really say much. Always look for quality and do not hesitate to edit your first priority.

Make your articles contain excellent information. Use search engines and information that will be useful to your readers. Look for your information has made it to the Internet.

Take your time and write correctly. Do whatever you can to better your skill at writing. Use methods that encourage your writing.

Do not start writing until you begin writing. This means they will not feel compelled to visit your site, which was the sole purpose for your article in the first place.

Applying the tips above will help propel you forward with sound ideas that you can use while learning to market your articles. Your focus should be on at least keeping up with the competition by continually working on your marketing strategy. Hard work and information can help you succeed in this business.

How To Market Articles Like A Pro

You might think you know it all when it comes to article submission, but there is always something new to learn. Even the smaller details can hinder your traffic significantly. Keep reading so you are aware of all the great tips you can use.

Freebies are great way to generate some attention from your audience. Freebies make your customers think that they are getting a lot more for their cash and they are more likely to make another purchase in the future. When these freebies are branded with your logo, you’ll find that your marketing message spreads quickly.

Post all of your articles to your site. This is a great way to help increase your traffic and your web rankings. The search engines look for this and it will help rank your articles you are putting yourself in view of higher rankings on their algorithms.

The first paragraph of your articles should be the highest quality. Both Google and your readers will judge your article on first paragraphs. Putting crucial information in that first paragraph will capture attention. Be sure you have interesting and avoid giving all of the information away about it. It is important to hook them on your content until they continue reading the very end.

Take the advice of some article submission “gurus” or “experts” cautiously. This does not mean they have to say. Just remember that they may not be the truth for yourself.

This tactic will make an article easier to read and understand.Using bullets to organize your information allows your readers to quickly focus on important points.

Utilize social media for your article. This will make people interested in the things you wrote.

Article distribution services are a larger audience with your marketing strategy. These save you by submitting them to the thousands of directories out there.

Bullet-point lists could be a great way to incorporate many great ideas into your article. Sentences that vary in length keep a reader’s attention, as readers can become bored by short sentence strings. If you break your brief ideas out into a list with bullets, though, you’ll find that your article will be seen as more interesting. This technique will help to hold the interest of the reader.

Your articles should range from 400 and 600 words. Lengthy articles will make readers and prevent them from staying on your site for extended periods of time.

Include article bio at the end of every article. Inform the readers about yourself and put one link to your site. Readers who enjoy your articles will want to visit your website. This link will facilitate the ability for the reader to get to your website.Articles that have an “about me” portion about the author bios help readers feel more connected.

You have to be sure to come up with a short description that is creative and concise. This info will appear under your title in search engines. Give a summary of what the article’s contents without sharing to much information away if you want the readers will come.

Break up your text with eye-catching pictures or videos.

Use headlines for your article that will compel your reader to read it. The words you use in your headline need to make readers think.

Always proofread every article that you publish it. Outsourced articles are not always very good quality, so read the work carefully to make sure it is of good quality. Never put up an article that you haven’t read to your websites. Be sure nothing is plagiarized and is original text before publishing it.

Your author bio should be intelligent and interesting, relevant and interesting too.Your bio should always be linked to your website.

Even if you’re just using your article promotion for back links, focusing on creating content that is high quality is important. Having superior content will help you get backlinks and traffic.

Make it obvious in the title, then explain it in-depth in the article that follows.

Did you just learn something? You probably did. Nobody has all the knowledge, and the ones that think they do will fail faster than they understand. By using the tips we provide in this article, your business will be on the path of success. Over time, if you build a strong foundation, you will see your business expanding.