The Malaysian Insider

The Malaysian Insider

Broadband is the buzzword these days, but what exactly is it and what are the benefits?

What is Broadband?

Broadband is broadband deals high-speed Internet connection that is always available. This means you hotel internet have to dial-up every time you want to send an e-mail or surf the Internet. There is more than one type of Broadband connection, here is some info that will help you make the right choice.

ADSL

The easiest and most cost-effective way to get fast Internet is with ADSL. Quite simply, ADSL is a high-speed, always-available digital connection to the internet that works using dial up high speed internet existing telephone line.

How does ADSL work?

When your ADSL line is activated and you have the necessary hardware in place (a PC and an ADSL modem), your telephone line signal is divided into two channels - one for voice or fax and the other for a high-speed data connection.

Why should I get ADSL?

?ADSL is up to 9 times faster than a standard dial-up connection.

?It's always available. You will never have to wait to dial-up again, because with ADSL you are permanently connected to the Internet.

?You don't pay for a call every time you use the Internet, so your telephone bill will reflect a fixed monthly rate for your ADSL access.

?It's cost effective. If you find you are spending more than 20 a month on Internet access, then ADSL will be a more cost-effective (and faster) connection for you.

Wireless Broadband

Wireless Broadband internet running slow you the ability to stay connected to the Internet wherever you are. It's Internet access anytime, anywhere.

How does Wireless Broadband work?

It allows you to access the Internet from wherever you can get mobile phone coverage, using your laptop and 3G data card - ideal for those who travel regularly or for the business person on the go.If you have a data card that windstream internet into your laptop, then you have Internet on the move. If you'd like to use it at home, but you only have a PC at home there's no need to worry because you can purchase a wireless router, insert the 3G data card into the router and connect this to your PC.

Why should I get Wireless Broadband?

?Wireless Broadband is ideal for users that want Internet connectivity on the move.

?There is no reliance on a physical telephone line, no installation costs and no dial-up charges. With a data card that simply slots into a laptop, it is quick to set up. No waiting to be connected.

More info on ADSL broadband.

Insurance and Tax

Income Tax

Insurance death proceeds windows xp antivirus specifically exempted by law from income tax liability whether they are paid to an individual, an estate, or a corporation. There roadrunner internet one major exception to streamyx service rule, however, and that is where a policy is sold or transferred for "valuable consideration." In such a case income taxes are payable on the part of the death proceeds which exceed the new owner's cost.

Thus, improve broadband speed a $25,000 policy is sold for its cash value of $5,000 and the new owner later pays a total of $5,000 in premiums, she will have to pay a tax on $15,000 when she receives the death benefits of the policy. This is considered to be broadband advice income and will be added to her other income for tax purposes.

This tax treatment holds even though a policy is sold to the insured's spouse. When transferring a policy to a member of the family, you must be certain that it is done as a gift and that nothing of value is paid for it.

Exceptions are made to the so-called "transfer for value" rule in the case of transfers to a corporation where the insured is a stockholder or officer, to the insured's partner or partnership, or to the insured himself. In these cases, even though consideration is paid for the policies, the death benefits are not subject to the income tax.

Estate Tax

There is a prevalent five star hotels kuala lumpur that insurance isn't subject to the estate tax. This isn't necessarily true. If it is payable to your estate or if you retain ownership of the policy, the death proceeds are going to be included in your taxable estate. This definition of ownership includes what the law calls "incidents of ownership" such as the right to surrender or to pledge the policy, the right to borrow on it or assign it, and the right to change the beneficiary.

One way to remove insurance from your taxable estate is to relinquish all rights in it by assigning the policy to someone else. However, streamyx pc might be a gift tax imposed upon such an assignment. Still, only the cash value of the policy and the content management websites and subsequent premiums paid by you are subject to this tax, not the face value of the policy. The gift tax can be avoided or reduced. By virtue of the unlimited marital deduction, there is no gift tax payable on an insurance policy assigned to your husband or wife, nor any estate tax on the proceeds of insurance which are paid to your spouse.

The gift tax annual exclusion of $11,000 ($22,000 if your spouse consents to the gift) means that a tax-free transfer can be made of a policy with a cash value of up to that amount and of subsequent premium payments of no more than the amount of the annual exclusions. However, if death occurs within three years of the transfer, the proceeds of the policy will be subject to estate taxes.

But are you sure you want to make such an irrevocable assignment? Are you certain you will never need to borrow on the cash value? Never want to change your beneficiary? Better look before you leap, because here as elsewhere in estate planning, family security and your own needs should not be sacrificed to save taxes.

Additional point: If a man transfers his policy to a wife with a separate estate (such as in a second marriage) and she dies before he does, the cash value of the policy is taxable in her estate. Unless his wife's estate is substantial this won't create a tax problem. But if it is large, there is not only this problem to consider, but also the fact that, if she survives him, the mobile broadband proceeds will go to her. Then, when she dies they will be part of her taxable estate.

In such cases, you should consider other forms of ownership. It may be worthwhile to have other members of the family own and be beneficiaries of the policies; or it may make more sense to assign the policy to an irrevocable trust, with income and part of the principal payable to your spouse or children according to their needs, and the remainder of the principal to your children after your spouse dies. Some taxable gift may be involved depending upon the cash value of the policies, the amount of the subsequent premiums paid by you, and whether or not the trust qualifies for the use of the $11,000 annual exclusion. The proceeds, however, will be exempt from taxation in both your estate and that of your spouse.

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Plug In Your Dongle And Share your Mobile BroadbandThe catchily titled NET-3G-3GWIFIMRW from Solwise is a neat little gadget that solves several wireless needs in one. Solwise’s new product can be used to share an internet connection by plugging in your 3G dongle. You can then share your mobile broadband signal, creating your own 3G