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SMALLBIZ BUILDER  The 4th Quarter 2011 Due Dates     October 1:    Businesses: Deadline for establishing a new SIMPLE retirement plan  October 17:    Individuals: 2010 Form 1040 due if on extension  November 1:    Employers: File Form 941 for 3rd quarter 2011  During November:    Employers: Request  Form W-4s from employees whose withholding allowances will be different in 2012   Employers: Request Form W-5 from each eligible employee who wants to receive advance payments of the Earned Income Credit during 2012  December 15:    Calendar-year C Corporations: 4th installment of 2011 estimated tax due   Are Retirement Plan Distributions Subject to Withholding?  Keeping Access to Your Records  Alternative  Minimum Tax (AMT)                   In A Nutshell Are Retirement Plan Distributions Subject To Withholding?  Distributions from an employer-sponsored retirement plan may or may not be subject to withholding.  In some cases, withholding is mandatory and in others the recipient can elect out. Eligible Rollover Distributions. In general, the payor of any designated distribution that is an eligible rollover distribution must withhold an amount equal to 20% of the distribution. The recipient may not elect out of the withholding requirement.  ·Exception:  Eligible rollover distributions are not subject to withholding if expected distributions are less  than $200 for the year. Also, 20% withholding generally only applies to any previously untaxed amount. The most important exception by far is that no withholding is required if the plan directly rolls over (in a trustee-totrustee transfer) the eligible rollover distribution amount to another qualified retirement plan or IRA.  Periodic Payments. The payor of a periodic payment (one made at regular intervals for more than one year) that isn't an eligible rollover distribution must withhold from the payment as if it were a wage payment for the appropriate payroll period.  ·Exception:  Generally, the plan administrator must withhold at the rate for a married individual with 3          withholding exemptions. However,  recipients have the right to elect no withholding or elect to have a different amount withheld and revoke the election at any time.  Nonperiodic Payments. A nonperiodic payment is a distribution that usually isn't made at regular intervals and isn't an eligible rollover distribution. Nonperiodic payments generally are subject to 10% withholding.   ·Exception: The recipient may elect no withholding or have a different amount withheld by filing a Form W-4P with the plan administrator.    Reminder: Distributions from designated Roth accounts in 401(k), 403(b), or 457(b) plans have no withholding requirement because the distribution is not taxable. If a nonqualified distribution is made from such an account, withholding is required only from any distributed earnings that the recipient must include in gross income.       October 2011                              PADGETT BUSINESS SERVICES®                           Vol. 9, No. 10 PADGETT BUSINESS SERVICES® is dedicated to meeting the tax, government compliance, profit&financial reporting and payroll needs of businesses with fewer than 20 employees in the retail and service sector of the economy.  This publication suggests general business planning concepts that may be appropriate in certain situations. It is designed to provide complete and accurate information to the reader. However, because of the complexities of the tax law and the necessity of determining whether the material discussed herein is appropriate to your business, it is important you seek advice from your Padgett office before implementing any of the concepts suggested in this newsletter. PENALTY NOTICE: As required by U.S. Treasury regulations, you are advised that any written tax advice contained herein was not written or intended to be used (and cannot be used) by any taxpayer for the purpose of avoiding penalties that may be imposed under the Internal Revenue Code.    P A D G E T T B U S IN E S S S E R V IC E S ®     W H E R E Y O U R S U C C E S S T A K E S R O O T ℠ Keeping Access to Your Records  There are many situations where a business owner or taxpayer can find themselves without   complete records. For example, you sell your business and later get audited by the IRS. You give  your records to your accountant who passes away and his wife transfers the business to a third  party. You have a falling out with your business partner or spouse.  Or a hurricane or other     disaster destroyed your records. While you may get some sympathy from the tax authorities,  you're responsible for your records. In some cases, the solution is pretty simple:  Don't let your accountant or attorney retain original documents unless it's just for a short  period, for example to prepare your tax return.  Get records back from your spouse or business partner before parting ways.  Make an electronic backup of important records and store them in a safe place.   If you're selling your business, keep whatever the new owner won't need and make copies of  important documents given to the new owner. The IRS advises taxpayers to take the necessary steps to safeguard their financial and tax         records. Taxpayers should also check the following literature, available on the IRS web site at  www.irs.gov  FS-2006-7, Reconstructing Your Records  Publication 552, Recordkeeping for Individuals  Publication 583, Starting a Business and Keeping Records    Alternative Minimum Tax (AMT) in a Nutshell  The regular tax laws give special treatment to some types of income, allow special deductions for  some types of expenses, and allow credits for certain taxpayers. Taxpayers who are not required  to pay tax under the regular tax system may still be liable for tax under the AMT laws. According  to the IRS, these laws create an “equity” in the system, requiring higher income individuals with  certain deductions to pay tax. Without the AMT laws, the IRS says that these individuals would  pay little or no tax, while those with lower income levels and no deductions would pay higher  tax. AMT is triggered when a taxpayer has enough preference items and adjustments. Contact David Few at your local Padgett office to discuss this in more detail. 251-645-0822 ...read more

So you have a problem with your interior furnishing fading, or maybe you have intense heat warning up a room? You have heard about window films but don't actually know anything about them. For most, the first step is to search on the web for window film or window coatings. You will find several brands; however, you will find that 3M window film has one of the highest ratings and offers a lifetime warranty on all of there films.  Now, you know that you want the best. You want 3M and you start looking locally for business that carry the 3M brand. The next problem you may run into is you have to be careful  finding a trustworthy business that carries only 3M window film.  You will find that many window film companies carry several brands of window film. How do you know that they want switch and put a cheaper film on your windows when you are paying for the best? Here is a quick guide that will help you make sure your getting what you are paying for. Do your home work. 3M window film has a web site. All of 3M window film dealers are certified and trained. www.3m.com/windowfilm Ask your local business for 3M information to help you choose the right film for the right windows. Be at home when the 3M dealer installs your film. The film will come in long boxes and have the 3M logo on the box. When the installer is finished with the job, you will actually sign off on the job. 3M will send you a warranty certificate around 2 to 3 weeks after the film is installed. Remember, a dealer with a store front is a dealer with accountability.  Preserving beauty and enhancing light as only 3M can is clearly better way to bring light into your home. Now the light that fills your home can be just the way you want it. Clean, neutral, colored, protective 3M window film products make natural light a beautiful and welcome addition to your home. You have invested so much time and energy into making your home beautiful and inviting. Now you can be sure it stays that way with 3M and our authorized window film deal at All About the Windows. Protect your investment and save money.  Fabrics, wallpaper, natural wood floors, photos and other valuables with fade when unfiltered sun shines through your windows.  Fading is caused by a combination of ultraviolet rays, visible light and solar heat.  3M Window Films are designed to reduce the effect of solar heat and visible light on your furnishings and will block up to 99% of the suns harmful ultraviolet rays, which are the single largest cause of fading. 3M Window Films also allow you to save money and enhance the comfort of your home all year round by reducing your air conditioning and heating cost.  Not only do 3M window film protect your homes interior, they also help to protect your family against skin cancer caused by daily UV exposure and reduce the amount of glare on TV and computer screens that comes into your windows.  Keeping your family and home out of harms way is 3M's films first and most important task.  The impact of unwelcome elements like severe weather, vandalism and ultra violet rays, are all reduced with 3M Window Films.  3M window film also helps reduce damage and injury from indoor accidents such as children running into or throwing things at glass doors and windows. 3M invented window films.  No one has more experience with window films.  In 1966 3M received the first patent for window films. Today there are millions of square feet of 3M window films installed all around the world.. For decades, 3M has been the world leader in the development of innovative adhesives and films.  3M films resist peeling, bubbling, scratching and abrasion for long lasting beauty and clarity.  And 3M has one of the most comprehensive warranties you can get. 3M window films are backed by a limited lifetime warranty should you window film need replacing.  "All About the Windows" a Linen Locker company only carries one brand of window film the best (3M). Call either location for free estimates:  All About the Windows Cottage Hill Road (251) 725-1486 West Mobile, Linen Locker  (251) 675-6921 North Mobile. Visit us on line - www.linenlocker.com ...read more