Central Valley Financial Services

? You do have rights under the It's a violation for any Debt Collector to call you before 8am or after 9pm in your time zone, that is unless you have both made an arrangement.... Book your FREE consultation today! . . : @cvfs_valerieh : 209-992-4279 . . . . #centralvalleyfinancialservices #creditrepair #taxexpert #bookkeeping #fixmycredit #creditscoreexpert #results #creditscore #creditscoreguru #creditscoreboost #creditscoreimprovement #taxseason #taxpreparer #taxpro #taxes #taxrefund #taxpreparation #taxreturn #accountant #accounting #quickbooks #careergoals #payroll #accountantyoucantrust #savetime #financialservices #business #bookkeepingservices #FridayVibes

HAPPY FRIDAY EVERYONE! #FRIDAYFEELING #fridayvibes

We often undervalue or ignore those small tasks assigned to us because we think those are not great things like bigger tasks or responsibility. Don't undervalue or ignore them, do them in great way. . . . .... #centralvalleyfinancialservices #creditrepair #taxexpert #bookkeeping #notarypublic See more

A credit score is a three-digit number, typically between 300 and 850, designed to represent your credit risk, or the likelihood you will pay your bills on time. Credit scores are calculated using the information in your credit reports, including your payment history, the amount of debt you have, and the length of your credit history. Here is a general look at credit score ranges: 300-579: Poor 580-669: Fair 670-739: Good... 740-799: Very good 800-850: Excellent . . . . #centralvalleyfinancialservices #creditrepair #taxexpert #bookkeeping #notarypublic See more

Impossible is just a big word thrown around by small men who find it easier to live in the world they've been given than to explore the power they have to change it. Impossible is not a fact. It's an opinion. . . . .... #centralvalleyfinancialservices #creditrepair #taxexpert #bookkeeping #notarypublic See more

We know you're tired of being denied for credit. Book your FREE consultation today! .... . : @cvfs_valerieh : 209-992-4279 . . . . #centralvalleyfinancialservices #creditrepair #taxexpert #bookkeeping #fixmycredit #creditscoreexpert #results #creditscore #creditscoreguru #creditscoreboost #creditscoreimprovement #taxseason #taxpreparer #taxpro #taxes #taxrefund #taxpreparation #taxreturn #accountant #accounting #quickbooks #careergoals #payroll #accountantyoucantrust #savetime #financialservices #business #bookkeepingservices #thursdayvibes See more

IRS Expands Allowed Items for 2020 Educator Expense Deduction Did You Know? Qualifying educators may claim a tax deduction of up to $250 for unreimbursed classroom expenses, even if they do not itemize deductions. If both members of a couple filing jointly work as educators, they may each deduct up to $250, for a maximum possible deduction of $500. Ordinarily, allowed expenses are limited to standard classroom supplies such as paper, writing utensils, computers, rulers and... art supplies. For 2020, however, eligible educators may also include in their deduction certain expenses incurred due to the COVID-19 pandemic. Examples include the cost of personal protective equipment, sanitizer and cleaning agents purchased after March 12, 2020 to prevent the spread of coronavirus. Note, however, that the per-educator deduction limit remains at $250. Eligible educators generally include K-12 teachers, counselors, principals and aides who worked for at least 900 hours at an elementary and/or secondary school in 2020. The allowed deduction may be reduced for a variety of reasons, including taking tax-free withdrawals from a Coverdell education savings account. A tax professional can help you determine whether you qualify for the Educator Expense Deduction, and the allowed amount of your deduction if so.

Credit repair enables consumers to correct errors and inaccurate information in their credit reports and to boost their Credit score. Disputes may be filed when incomplete or inaccurate information appears on their credit reports. Aside from correcting such information, or catching fraudulent transactions on one’s credit, rebuilding and repairing credit can rest more heavily on credit usage and credit activity. . . . .... #centralvalleyfinancialservices #creditrepair #taxexpert #bookkeeping #notarypublic See more

Choosing the Correct Filing Status for Your Tax Return Did You Know? Your federal tax filing status (Single, Married Filing Jointly, Head of Household, etc.) can affect the amount of your standard or itemized deductions, your eligibility for tax credits, and your tax rate. Correctly identifying your filing status is one of the most critical tax decisions to make each year. The principal IRS filing designations are:... SINGLE: This designation applies to most unmarried taxpayers, including those who are divorced or legally separated according to their state's laws. MARRIED FILING JOINTLY: Under this designation, a married couple can file a single tax return that covers both spouses. MARRIED FILING SEPARATELY: Married couples may choose to file separate returns. While filing jointly offers tax benefits in many cases, some couples may lower their total tax by filing separately. HEAD OF HOUSEHOLD: Unmarried taxpayers who pay more than half the cost of maintaining a home for themselves and a qualifying individual (such as a dependent child) may qualify to claim this status. Heads of Household get a higher standard deduction and higher income limits for certain credits and deductions than Single filers. QUALIFYING WIDOW(ER) WITH DEPENDENT CHILD: Taxpayers whose spouses passed away within the last two years may qualify for this special filing status if they have one or more dependent children. Note that under IRS rules, your status as either single or married as of December 31st usually determines your filing status options for the entire year. For example, if you were single for nearly all of 2020 but got married on December 30th, you most likely need to choose either Married Filing Jointly or Married Filing Separately as your filing designation for the year. One important exception to this rule is that a widowed spouse may typically file a joint return for the year in which the other spouse passed away. The IRS now offers an interactive What Is My Filing Status? tool (link below) to help you determine the appropriate choice for you. Taxpayers who qualify for multiple designations are free to choose whichever status results in the lowest tax. If you are unsure which filing status is most advantageous for you, a professional tax advisor can help you make this determination. IRS What Is My Filing Status? Tool: https://www.irs.gov/help/ita/what-is-my-filing-status

By gauging your risk level through your FICO score, insurers can accordingly put a price on the policy they offer you. Low risk = low premiums, high risk = high premiums. If you have poor credit, you may have a harder time getting approved for an auto insurance policy or may have to pay more in premiums. . . . .... #centralvalleyfinancialservices #creditrepair #taxexpert #bookkeeping #notarypublic See more

Did you know? Credit Karma is not a credit monitoring site. It does not show an entirely accurate credit score for consumers. It does not provide FICO scores or Experian credit reports. They are a marketing site and their main goal is to sell you products such as cards, auto and home loans. If you want to know more, talk to our credit analyst. Book your FREE credit evaluation today ... . . . : @cvfs_valerieh : 209-992-4279 . . . . #centralvalleyfinancialservices #creditrepair #taxexpert #bookkeeping #fixmycredit #creditscoreexpert #results #creditscore #creditscoreguru #creditscoreboost #creditscoreimprovement #taxseason #taxpreparer #taxpro #taxes #taxrefund #taxpreparation #taxreturn #accountant #accounting #quickbooks #careergoals #payroll #accountantyoucantrust #savetime #financialservices #business #bookkeepingservices #wednesdaywisdom

Do not send that customer to another lender. Become a Partner with Central Valley Financial Services, and let us help you convert those denials into approvals! ... : @cvfs_valerieh : 209-992-4279 . . #centralvalleyfinancialservices #creditrepair #taxexpert #bookkeeping #fixmycredit #creditscoreexpert #results #creditscore #creditscoreguru #creditscoreboost #creditscoreimprovement #taxseason #taxpreparer #taxpro #taxes #taxpreparation #taxreturn #accountant #accounting #quickbooks #careergoals #payroll #accountantyoucantrust #savetime #financialservices #business #mortgage #realestate #WednesdayMotivation See more

I feel sooo blessed! Thank you God!

You could make a million dollars today, but if you squander it tomorrow, it really doesn't matter a whole lot that you made the million. . . . .... #centralvalleyfinancialservices #creditrepair #taxexpert #bookkeeping #notarypublic See more

A charge-off or chargeoff is a declaration by a creditor (usually a credit card account) that an amount of debt is unlikely to be collected. This occurs when a consumer becomes severely delinquent on a debt. Traditionally, creditors make this declaration at the point of six months without payment. . . . .... #centralvalleyfinancialservices #creditrepair #taxexpert #bookkeeping #notarypublic See more

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We directly start dreaming of the fame and success and submerse our-self in those thoughts for hours. Rather than dreaming start working on it. Rather wasting hours on dreaming start executing on it right away. . . . .... #centralvalleyfinancialservices #creditrepair #taxexpert #bookkeeping #notarypublic See more

Being a business owner comes with many responsibilities. Payroll is one of them; it shouldn't take up too much of your time or effort. Running an in-house payroll can be a challenge for smaller companies. Outsource Payroll Services to CVFS can free up considerable bandwidth, resources, time, and equipment and gain control over the payroll process. . . . .... #centralvalleyfinancialservices #creditrepair #taxexpert #bookkeeping #notarypublic See more

We help your business to optimize your tax filing by saving you time come tax season and maximize your tax return. For the one-stop solution to all of your business’ tax filing needs, we’re the partner you need. . . . .... #centralvalleyfinancialservices #creditrepair #taxexpert #bookkeeping #notarypublic See more

You are never too old to set another goal, or to dream a new dream. .. . . . .... #centralvalleyfinancialservices #creditrepair #taxexpert #bookkeeping #notarypublic See more

We advocate for you to remove any incorrect or unverifiable items, while working to help you consolidate and pay down your bad debts. . . . .... #centralvalleyfinancialservices #creditrepair #taxexpert #bookkeeping #notarypublic See more

Success doesn't happen overnight, it requires patience. If you want to achieve anything in life, you can't give up so easily. There's no telling how many miles you'll have to run in order to catch your dream. . . . .... #centralvalleyfinancialservices #creditrepair #taxexpert #bookkeeping #notarypublic See more

A balance sheet is a financial statement that reports a company's assets, liabilities and shareholders' equity. The balance sheet is one of the three (income statement and statement of cash flows being the other two) core financial statements used to evaluate a business. . . . .... #centralvalleyfinancialservices #creditrepair #taxexpert #bookkeeping #notarypublic See more

Selecting the right time, right day, right people, right process is never going to happen. Waiting for inspiration to start work will lead to the task never getting done. . . . .... #centralvalleyfinancialservices #creditrepair #taxexpert #bookkeeping #notarypublic See more

To provide your business with the helping hand it needs to thrive and adapt in an always-changing economic climate, we offer a comprehensive suite of business consultation services that are designed to guide your business through the challenges and problems that are unique to your organization. . . . .... #centralvalleyfinancialservices #creditrepair #taxexpert #bookkeeping #notarypublic See more

You can learn from events, opportunities and failures and you will achieve far more of your goals and dreams because you proactively seek and accept responsibility and accountability. . . . .... #centralvalleyfinancialservices #creditrepair #taxexpert #bookkeeping #notarypublic See more