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Enteries are open for the 2019 Suffolk Business Awards!

Colchester insurance company is leading the way in telematics

PUBLISHED: 10:56 12 January 2019

woman driver

woman driver

We all consider ourselves to be good drivers, always kind and considerate on the road.

But how could we prove it? Telematics can - and it can bring lower car insurance premiums.

Colchester-based insurance broker iGO4 is at the fore front of telematics, where technology can help drivers save money and maybe improve their driving at the same time.

Telematics (otherwise known as ‘pay how you drive’ or ‘black box’ insurance) are car insurance policies that reward safer drivers with lower insurance premiums, calculated using data transmitted from a black box installed in the car or from a plug-in device.

Key metrics, such as acceleration, braking, speed and if the policy holder drives at night, are used to generate a driver safety score and adjust the insurance premium accordingly, with consumers able to monitor their performance through a personal dashboard.

It can be set up as `pay as you drive’, and is particularly useful for younger, inexperienced drivers who face high insurance bills.

Increasing numbers of drivers - one million in the past year - are making the change.

It appear more of us are prepared to having our driving qualities monitored if it brings lower car insurance premiums.

Insurance broker iGO4 has grown over recent years and now employs 350 people in offices in Colchester and Peterborough.

It has an annual turnover of £30m.

Launched in 2012 by iGO4 Insurance, WiseDriving is now a market leading telematics brand.

WiseDriving is the only telematics provider to adjust premiums on a monthly basis, rather than yearly, rewarding safer drivers with rebates.

Matt Munro, iGO4 chief executive said: “From the outset, iGO4’s approach was about doing things differently and transforming the consumer experience of insurance through innovation and technology. We were one of the first brokers to launch a telematics product because we realised its potential to create a much more personalised solution, based on how individuals actually drive, rather than generic risk.

“In particular, behavioural based insurance allows people in higher risk groups not to be penalised for other people’s bad driving. This was bound to be popular, especially in the context of rising car insurance premiums, with affordability for young people in particular becoming a growing problem.

“Policy volumes have grown by 118% over the past three years, and last year, UK telematics sales reached one million for the first time.”

Traditionally younger `inexperienced’ drivers, aged 17-25 have benefitted but iGO4 says other, older drivers can save too.

Which could account for its growth.

Mr Munro added: ““The growth of telematics can also be partly attributed to changing consumer attitudes to technology more broadly, as it makes many services more affordable and convenient, from grocery shopping to taxi rides. There is also growing interest in ‘performance monitoring’ in all areas of life, with ‘wearables’ for example now the fastest growing mobile devices.”

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Hajj & Umrah Made Easy with Neck Rope

Hajj & Umrah Made Easy with Neck Rope

On sale: $16.00
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Item Code:791097
  • ISBN:978-1898649793
  • Author: Taqi Fakhir Hashmi and Adnan Shakoor Malik
  • Language:English
  • Pages:48
  • Publisher:Al-Hidaayah Publishing & Distribution
This 3" x 5" wire-bound (spiral) book with tassel cord is handy when traveling on the Hajj. It is a step by step, a practical, complete, and unique guide to the Hajj and Umrah. It includes :
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The Federation of Irish Sport was established in 2002 by the National Governing Bodies of Sport (NGBs). Currently, the Federation’s membership is made up of 76 NGBs and 27 LSPs, meaning that we represent over 12,000 sports clubs nationwide.

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Going to a chemical-free home with natural household and beauty products helped me realize that health has many meanings. Here’s how to go chemical-free, and how going natural can help you on your fitness journey, too. Note: This post contains affiliate links for The Grove Collaborative, which is where most of my natural products come from.

When I was pregnant with my daughter four years ago, I did what most first-time moms do.

I Googled and researched until my head was overwhelmed with advice on what’s best for pregnancy and babies.

I think it’s normal, and healthy to an extent. It’s important for those of us who aren’t obstetricians and pediatricians to really understand the implications of our health choices. Doing all that research is a sure sign of a good mom, in my opinion. It means you care.

Anyway, I did a lot of research. And by research, I mean I read a lot of books and scholarly articles about pregnancy and giving birth.

I was alarmed to find that even small choices made could really harm a baby…or not.

It’s kind of an annoying notion if you look at it that way, really. There’s SO much that goes into the making of a healthy child, and knowing that is overwhelming and stressful.

But the bottom line was this: the more natural you can be before, during, and after a pregnancy, the better for your baby.

I’m not going to go into every detail about what I learned, because it’s just too much. But know that I went all-out learning about how to reduce my chemical exposure during pregnancy, and have continued to reduce my family’s exposure since.

The more you know, the more empowered you are.

I will say that I found out that products I was using in my home and on my body every day were known to be harmful to all humans. (Let’s not even begin to what they could do to a growing baby.)

I’m talking about my cleaning products, my makeup, my soaps and shampoos, my food storage, cooking utensils, and more. So many of the things I was used to using no-questions-asked were either known to be harmful or potentially harmful to the human body.

It’s a little depressing to think about, since so many things are hurtful to our bodies, but I started eliminating “bad” products and now every day I feel a little better about my choices.

Health is More Than Looks

Anyway, learning about the way consumerism has changed and the market for everyday products in America has been eye-opening. Now I carefully consider each product I put in my home and it makes me feel good knowing I’m helping my family be healthier in small ways. That’s all good and well, but on this journey to having a chemical-free home, I realized that I kind of had some double standards regarding health.

Have you thought about having a chemical-free home? How are the harsh chemicals affecting your health? What natural cleaning products should you use? What about natural beauty products?

You see, I’d been obsessing about moving towards a chemical-free home, but I’d been neglecting taking a closer look at my own nutrition.

Why was I not okay with using harsh chemicals to clean my bathroom once a week, yet I was okay with drinking soda and eating fast food?

Why was I okay with eating a processed frozen meal but totally not okay putting certain brands of makeup on my face?

The point is, going towards a chemical-free home made me realize that unless you’re eating organic, growing your own food, or skipping all processed foods, what’s the point of eliminating other chemicals?

Ugh. That sounds really downer, I know. I’d been trying so hard to be healthier by going chemical-free with non-food items that I’d neglected the other, most important domain: nutrition.

You Can’t Have Everything…But Every Little Thing Counts

Trying to go chemical-free in one area of life is hard enough, but now I’m saying it’s NOT enough? I know. It’s insane. Of course we would all eat organic if we could. Of course we wouldn’t eat processed food if it wasn’t a LOT of work to eat fresh all the time. Or course we would harvest our own foods if we had the time, space, and money.

You don’t need me to tell you that you need to try harder to be healthy.

The point is that there are so many different aspects to being really, truly healthy.

The Number on The Scale Isn’t An Accurate Reflection of Health

If you care about how much you weigh or how you look, shouldn’t you care about your internal and mental health, too? It all goes together – you can’t have one without the other in my opinion.

Plus, let’s be reminded that you can be healthy and muscular even if you have extra weight on your body. Your weight in numbers doesn’t tell you how much of your body is lean muscle mass, water weight, fat, etc. (See my “before” weight loss post and see what a better solution to weighing yourself might be. As it turns out, I have a lot of muscle hidden underneath all of this extra flab!)

What Happens When You Start to Work Towards a Chemical-Free Home

With every new piece of knowledge that you acquire, you acquire a new tool for your health. It can be something that helps you really take a step back and carefully consider every decision that affects it.

I have personally chosen to empower myself with knowledge surrounding the topics of harsh chemicals in everyday products, as well as health and fitness overall. Remember, I became a personal trainer to help stay accountable for my own health. I learned so much about eating and training.

If you embark on a personal journey for information regarding your own health, imagine the possibilities! You will be armed with the tools you need to completely transform your life.

Why It’s Important to Have a Chemical Free Home

Let me start by acknowledging that there’s no such thing as a truly chemical-free home. Chemicals occur in nature and we are really talking about harsh, synthetic chemicals right now. In order to work towards a chemical-free home, there are several areas that we need to examine:

  • Beauty/personal care products
  • Our cleaning products, including laundry items
  • Our toys, furniture, and clothing (think fire retardants)
  • Foods – both fresh items and pantry items
  • Our packaging and storage items

You’re probably thinking, “Really? Our furniture? Our storage items? What?” I know, it’s a lot! But you would be shocked at what you find out with just a little research.

Chemicals like parabens and phthalates are rampant in these products (read more about those chemicals in this post), although they are merely a couple of the many harmful chemicals that can be found in them. There chemicals are known to have negative effects on hormones and fertility, and are related to incidences of cancer, birth defects, allergies, and more. Luckily, it is possible to lower your risk of these things by working towards a chemical-free home.

How to Have a Chemical-Free Home

So, how do we start moving towards a chemical-free home? My answer: It can be as simple or as big of a change as you want. Here’s how to get started:

Step 1: Use the EWG (Environmental Working Group) databases to check on products you are already using.

Use the Skin Deep database and Healthy Cleaning database (there’s also an app for both) to check the rankings on the products you are currently using. Using these databases, you are able to see exactly what risks each product posed and find out which chemicals in each were considered harmful.

Step 2: Use the EWG databases to find healthier alternatives.

In the event that you need to find a healthier replacement for any product, use the EWG to find “A” rated products, or EWG verified products. These are considered safe to use. Luckily, many brands, like Beauty Counter, have moved toward making ALL of their products safer.

Step 3: Ensure that you choose healthier products by having them sent to you.

I don’t have a local health food store – they are all about a thirty minute drive for me. On top of that, my local stores have a very limited selection as far as “natural” products. So to make sure that I don’t buy random products at the drug or grocery store, I have done two things.

Firstly, I have made an Amazon list of all EWG verified products I use, so I can have them sent to me regularly. (This way I don’t forget what’s safe.)

Secondly, I have enlisted The Grove Collaborative to send me new cleaning products and other natural products. I like this because I can make one-time purchases, or I can get a subscription of products sent to me monthly, quarterly, etc. This helps me keep my needed items in stock without any last-minute runs to the grocery/drug store.

Step 4: Stop buying products from the regular store unless you know they are verified/safe.

To do this, you can download the apps from the Environmental Working Group and actually scan products at the store. You’ll get a rating right then and there! This is important to me because occasionally I find a product that looks interesting, new, and claims to be safe at the store. Sometimes, come to find out, it’s not! Unfortunately, not all “green” brands are really safe.

That’s it! I hope that I have helped you understand how to have a chemical-free home. I also hope that you now understand how learning about these things can help you in other areas of your health.

Do you have any favorite safe, “green” products to share with me? Tell me below!


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Lottery Winnings Medical Effects

Late research conducted by the biggest online lottery website – 22Lottery shows that 85% of the big lottery winners suffer from various medical problems such as heart problems, high blood pressure and related diseases.

The research conducted in the United Kingdom showed direct connection between winning the lottery and the medical effects to appear later on.

There are several reasons to why a lottery winner could suffer from poor health following winning the lottery:

  • Pressure and stress related to winning a big sum of money – this could be directly related to the prize money and also related to environment –  various individuals approaching the winner trying to get a share of the cake.
  • Improved life style – The lottery winner is “living the good life” which includes eating more meat, fat and unhealthy food which is directly related to heart diseases and related health problems.
  • Condition related to the way of life – sometimes the body finds it hard to adjust the change in way of life – not going to work, no physical activity and so on.

All these and more are Lottery Winnings Medical effects that are direct results of winning the lottery.

In the same research winners were asked if they are to have the chance of going over the same experience again and the results were as follows:

70% of the lottery winners claimed they do not want to go over the same experience again.

25% of the lottery winners claimed they will definitely want to go over the same experience again.

5% of the lottery winners were not sure.

Regardless of the medical effects on lottery winners, there’s one thing for sure, these lottery winners will have no problem paying for their medical expanses.

If you are planning to win the lottery – prepare yourself for the worst – health wise – good luck!


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What are your Thoughts?

  1. VK
    October 18, 2017 @ 12:43 PM

    Most GPO policies in W10 are now restricted by Product Policy Licenses
    so adding the GPO or equivalent registry value to unsupported Edition will have no effect. I’m pretty sure that Policy Plus will not work because it also uses Windows registry for setting changes and restrictions. Have you tried changing settings with Policy Pro on Windows 10 Home and checked the results?

    • Stan
      February 2, 2019 @ 9:36 PM

      As a matter of fact I have confirmed that policies configured using Policy Plus are working. I ended up here after enabling GPEDIT did not have any effect. I used the enabler script from another article on this website, but none of the configured policies took effect nor did they even get their corresponding registry entries created. Using Policy Plus, however, worked as it should with the policies that were configured. Some policies required a reboot before they took effect, for example turning off Windows Defender antivirus. Disabling right-click context menu for the Start menu and removing the power options from the Start Menu as well as the Windows Security screen (ctrl+alt+del screen) also worked as expected and immediately, without a reboot. Hiding specific pages of the Settings app also worked flawlessly and only required a restart of the app. Some other policies are yet to be confirmed if they are effective and I’m doubtful they are, as you’ve said, some policies are edition-dependent and setting them up on unsupported editions is futile. I’m suspecting automatic Windows Updates are one such policies that are simply ignored in W10 Home, even though no updates were automatically downloaded during my testing, but this may have more to do with setting the connection as metered than disabling automatic updates via Group Policy (Policy Plus). Next, I’m going to allow automatic downloading of updates via metered connection to see IF the Windows Update Group Policies are actually effective or not.


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02/26/2019 149 views

Good morning all!

I'm trying to scan/deploy user states for the first time. I was able to use Custom Deployments to scan the user state successfully, but when I try to run the Deploy option, nothing seems to be populating the list.

I've double checked and it is on our Kace server... but just not available on the drop down menu.


text:
Guidelines for Parents, Guardians and Educators on Child Online Protection

These Guidelines have been developed within the Child Online Protection (COP) Initiative, as part of ITU’s Global Cybersecurity Agenda, with the aim of establishing the foundations for a safe and secure cyberworld notonly for today’s youth but also for future generations. The Guidelines are meant to act as a blueprint which can be adapted and used in a way which is consistent with national or local customs and laws. Moreover, it will be appreciated that these guidelines address issues which might affect all children and young people under the age of 18 but each age group will have different needs.


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Laura Knight

  • Laura KnightOffice Address

    238A Uhler (Center for Applied Psychology)

    Office Phone

    Email Address

    Spring 2019 Office Hours

    • Monday 10:45 a.m.–12:45 p.m.
    • Wednesday 10:45 a.m.–11:45 a.m.
    • Thursday 10:30 a.m.–12:30 p.m.

    How I became interested in Psychology

    I started out as a theater major, and I minored in psychology to learn more about what makes people do what they do. Through my first psychology classes, I developed an interest in therapeutic interventions, particularly for children, in order to help people as early as possible.

    Areas of Interest

    My clinical and research interests include the assessment and diagnosis of autism spectrum disorders and attention-deficit/hyperactivity disorder (ADHD). I am also interested in parenting, including how parents think about their children’s behavior and factors that impact parental decision making, as well as the long-term impact of parenting strategies on college students.

    Current Research and Professional Projects

    Currently, my research includes projects examining the social and emotional functioning of college students with ADHD, parents’ knowledge and understanding of autism spectrum disorders, and factors that influence early identification and diagnosis of autism spectrum disorders. With my colleague, Lisa Newell, I received a Faculty Professional Development Council Grant to establish a diagnostic clinic in the Center for Applied Psychology for children suspected of having autism spectrum disorders. I am the clinical supervisor for the IUP Autism Clinic, which provides comprehensive evaluations of children’s social, intellectual, adaptive, and speech-language functioning.

    PhD, Oklahoma State University: Clinical Psychology

    Licensure information

    Licensed in Pennsylvania for the Independent Practice of Psychology

    Courses Taught

    General Psychology, Abnormal Psychology

    Psychological Assessment I


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Think about the way you like to touch yourself. External stimulation? Internal? Anal? With the right vibrator, you’ll make every erogenous zone on your body hum with pleasure. Vibrators can penetrate your body, hit all your external sweet spots, or both. Use it when you masturbate or during sex with your partner. There is no wrong way to enjoy your vibrator.

Vibrators aren’t a new invention but they’ve come a long way over the years. They’ve been around since the early 1900s because even old-fashioned ladies needed to get some. While many vibrators require batteries, others charge with a USB cord or a charging base. You can even control some vibrators through an app on your smartphone via Bluetooth. Hands-free play that lasts all night and makes you feel dozens of scream-worthy sensations? Yes, please!

The best thing about vibrators? No two are alike. Some fit in the palm of your hand and are made to be quiet and discreet like rocket pocket, egg and bullet vibrators. Others like rabbit vibrators and G-spot stimulators are meant to be inserted to pulse against your g-spot. Vibrators pulse, throb, buzz, and hum. Each vibrator you try will make you feel something new. Place it on your clitoris during masturbation or sex. Penetrate yourself with it while your hand or your partner focus on other parts. Your vibrator is meant to enhance any sexual experience you have and let you create new experiences you didn’t even know were possible.

Vibrators can bring some serious spice into the bedroom. Whether you’re looking for something to play with when your guy is away, or you’re looking to add pleasure to your mutual playtime, a vibrator can definitely do the trick.

Many women even experience the best orgasms of their life using vibrators alone or in conjunction with a partner. Guys also enjoy the vibrations, and many men love being near their partner when they’re enjoying a new sex toy.

With so many different options on the market, it can be hard to pick out the right one for you though. Of course, you don’t have to just choose one vibrator to add to your collection! Here’s a look at a few of our Jack and Jill favorites.

Magic Wand Original

Magic Wand Unplugged Rechargeable Massager

The Magic Wand Original is one of the classic vibrator toys of all time. Chances are you’ve heard of them by now, and if you haven’t enjoyed one, you’re missing out on one of the best vibrators ever made.

Designed with a 110-volt wall plug and powerful, multi-speed settings, even women that have a difficult time reaching orgasm can experience mind-bending ones with this toy. It’s also designed for external clitoral stimulation only, so it’s perfect for use with a male partner as well. Guys truly enjoy the incredible powerful vibrations of the Magic Wand Original.

Slimline G VibratorSlimline G Vibrator Waterproof 8.25 Inches Purple

G spot vibrators are becoming more and more common as women find that they produce incredible orgasms and are a whole lot of fun for solo play. When it comes to comfortable G spot stimulation, the Slimline G Vibrator is a perfect choice.

Designed with a bulbous massager at the tip that targets the G spot, this toy is just the right size for everybody, even women not too familiar with G spot stimulation. The Slimline G Vibrator is also waterproof, so it can go anywhere you want to take it for the ultimate pleasure trip. This toy is also phthalate-free.

Wild Orgasms Twin TeasersWild Orgasm Twin Teasers 200 Patterns

Rabbit vibrators have been popular for years, and many women absolutely love the simultaneous clitoral and vaginal stimulation they can provide. With more than 200 different patterns and ways to enjoy this toy, the Wild Orgasms Twin Teasers rabbit-style vibrator is one of the best around.

What’s specifically unique about the Wild Orgasms Twin Teasers is that it also features a separate motor and slim shaft for anal play. You don’t have to use it, but many women adore the extra bit of pleasure they get from this enticing, body-safe toy.

It also features a nicely-sized shaft for vaginal stimulation that is 1.5-inches wide and just over 5-inches of insertable length. Add it to your collection and you’ll see why this is one of our top selling rabbit-style vibrators.

Check out the rest of the great vibrators and toys at Jack and Jill today. We offer a huge selection of toys for women, men, and couples who want to play… together or alone.

Top FAQs About Vibrators

What kinds of vibrators can I try?

Vibrators come in a wide variety of shapes and colors. If you want something that can penetrate your body, look for a phallic shape. For those who want mostly clitoral stimulation, try a vibrator with a wide head. Other types of vibrators are designed for g-spot or anal play.

How do I clean my vibrator?

Most vibrators can be cleaned after use with soap and warm water or by spraying sex toy cleaner on it and wiping it down.

Can I use lube with my vibrator?

Absolutely, especially if you want to use your vibrator for penetrative sex. The type of lube you choose will depend on the material of your vibrator. Sex toys made of silicone, PVC, TPE/TPR, and other soft or porous materials should use a water-based lubricant. Vibrators made of metals, glass, or non-porous materials can use a silicone or hybrid lubricant. Always read the instructions with your vibrator to know for sure.

Are vibrators only good for masturbation?

You’ve probably heard of BOBs – battery-operated boyfriends. Some people prefer to have a vibrator for masturbation or when they’re between partners. The truth is, though, that vibrators are a great couple’s toy and it can enhance partnered sex too. You may need extra stimulation to reach orgasm that a hand or other body part can’t give you. Adding in a vibrator makes sure everyone is having a good time, not just one of you.

Can I share my vibrator with my partner?

In most cases, you can share your sex toys with a partner. It’s important to clean your vibrator or other toys between uses. If you or your partner haven’t been tested for sexually transmitted diseases or you use condoms for other sexual intercourse, you can use condoms with your vibrator to prevent the sharing of fluids.

I tried a vibrator and didn’t get off. Does that mean vibrators don’t work on me?

Not every sex toy is right for every single person. Sometimes you have to try different vibrators to find what feels right to you. If a vibrator doesn’t turn you on or get you off, consider the design, where you used it on your body (external or internal), or the power of the vibrations. You may need a different type of vibrator. Thankfully, there are hundreds of styles of adult toys to try.

My partner never climaxes when we have sex. Should I buy a vibrator?

There are a lot of reasons why someone might not orgasm during sex. Talk to your partner first to find out if there’s a reason. In many cases, a vibrator can help stimulate your partner’s body in a way that doesn’t typically happen when you have sex.

My partner and I are in a long-distance relationship. Can vibrators help our relationship?

Vibrators can definitely help when you’re separated by miles. Both of you should feel free to use a sex toy to help you get off during masturbation. Some vibrators can be controlled my mobile app even when you’re not together via Bluetooth. There are also virtual reality vibrators that can simulate the feeling of penetration, handjobs, or blowjobs that you can use to play even when you’re apart.

Here are some of the latest tips on vibrators from our blog

How to Enjoy Your Bullet Vibrator in All New Ways

How to Enjoy Your Bullet Vibrator in All New Ways

The right bullet vibrator for you is discreet, feels good, and gets you off in whatever way you like most. But this small but mighty toy isn’t always the first thing people pick up when they’re ready for other types of sexy fun. We think that ought to change! If you’re looking for new ways […]

Read More
5 Sexy Date Night Ideas You Don’t Have to Put Clothes on For This Valentine’s Day

5 Sexy Date Night Ideas You Don’t Have to Put Clothes on For This Valentine’s Day

Valentine’s Day is treated like the one day a year couples express their love and sexual desire, and the only day of the year you can go out to dinner, apparently. Not every couple wants to celebrate with cards, candy, and a night out. Who wants to put on pants if you don’t have to? […]

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15 Ideas to Help You Get Kinky This Valentine’s Day

15 Ideas to Help You Get Kinky This Valentine’s Day

If getting kinky is on your sexual bucket list — and your partner is willing — there’s no better time than right now to get started. But if you’re looking for a way to make Valentine’s Day special and memorable, turn what might otherwise be a typical night of sex into something new and exciting. […]

Read More
5 Ways to Make Your Valentine’s Day Sexy and Fun

5 Ways to Make Your Valentine’s Day Sexy and Fun

After you’ve exchanged sweet or silly cards, eaten lots of chocolate, and had a romantic dinner, what else are going to do with the rest of your Valentine’s Day? And if you’re single does that mean you’re left out of the fun? This Valentine’s Day, single or partnered, you deserve all the sex and fun […]

Read More


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Nadia Krishi Vigyan Kendra Recruitment 2018 for 2 Facilitator Posts

Jun 5, 2018 15:15 IST
NKVK Facilitator Jobs
NKVK Facilitator Jobs

Nadia Krishi Vigyan Kendra Jobs Notification: Nadia Krishi Vigyan Kendra has invited applications for the post of Facilitator. The eligible candidates can apply to the post through the prescribed format on or before 11 June 2018.

Important Date:

Last Date of Application: 11 June 2018

Nadia Krishi Vigyan Kendra Vacancy Details

  • Facilitator -02 Posts

Also Read: Current Affairs

Eligibility Criteria for Facilitator Posts

Educational Qualification:

  • Facilitator –Graduate/Post Graduate in Agriculture/Horticulture with 5 years in these sectors. The candidate should have adequate knowledge about the agriculture activates

Also Visit: India an Overview

How to Apply for the Nadia Krishi Vigyan Kendra Jobs 2018

Eligible candidates can apply to the post through the prescribed format and send the applications along with other necessary documents to the Office of the Director of Extension Education, BCKV, P.O., Krishi Viswavidyalaya 741252. The last date of receipt of application is 16 June 2018.

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Stories / Guides and Tips

Sustainability Matters: March 20, 2015

Maggie Borden

Maggie Borden

March 20, 2015

Dietitians are up in arms about the Academy of Nutrition and Dietetics’s recent endorsement of Kraft cheese singles. [Food Politics

Millennials are preparing more meals at home than ever before, driving sales of small kitchen appliances. [Progressive Grocer

How cereal became America’s breakfast of choice. [Serious Eats

Powdered alcohol has been approved for sale in the U.S., but several states have already banned it. [Motherboard]

New studies reveal the potential downsides of cage-free environments for hens. [NPR

Fighting GMOs with…more GMOs? [MUNCHIES


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Montgomery County Offer In Compromise Attorney

OIC Attorney located in Bethesda, Maryland

Are you looking for a way to reduce your Internal Revenue Service (IRS) tax debt? IRS settlement help may be just a phone call away. Our law firm has years of experience with debt settlement and the IRS. To find out if you qualify for an IRS tax settlement, contact us today.

What is an Offer in Compromise?

An IRS Offer in Compromise (hereafter referred to as OIC or Offer) allows taxpayers that cannot afford to fully pay back their tax liability the opportunity to settle for less than what they owe. An OIC can reduce IRS debt. IRS tax settlements are subject to certain terms and conditions. Working with a qualified tax attorney can provide the representation you need for an optimal outcome.

The IRS sets guidelines for accepting an Offer in Compromise. The IRS looks at a taxpayer’s past, current, and future financial situation when evaluating whether an OIC should be accepted. It is important to know what aspects of a taxpayer’s situation the IRS is looking at when filing an OIC. Not everyone qualifies, as each person’s financial situation is different. Thus, pre-qualifying for an Offer is an important first step in attempting an OIC with the IRS. This process generally takes between 8 and 12 months, but the process can result in tax debt relief or reduction. Your Maryland tax attorney can help you through the process and evaluate if it will be worth filing.

The IRS Offer in Compromise process involves completing the appropriate forms, having the necessary records on hand, being compliant with IRS tax regulations, and filing the Offer for review with the IRS. Once filed, the IRS begins their investigation of the taxpayer’s reasonable collection potential based upon his or her financial situation. They also evaluate the taxpayer’s history of filing tax returns. Unfortunately, many taxpayers who file an IRS Offer in Compromise, get it returned due to procedural deficiencies and never make it to a point of final review. Thus, satisfying the many procedural requirements is necessary if an OIC, and it is helpful to have a certified tax attorney help before it is to be reviewed by the IRS. We encourage clients dealing with IRS tax settlements to consult the experienced tax professionals at JDKatz: Attorneys at Law before applying for an OIC.

After the IRS completes its review, it makes a determination either to reject or accept the Offer in Compromise. If the OIC is rejected, another form of IRS back tax resolution may be needed, such as an Installment Agreement, Currently Not Collectible status, or Full Pay Service. However, if the Offer is accepted, the offer amount is paid and the unpaid or back taxes are resolved. In addition, the taxpayer must file all future IRS tax returns and make all necessary payments on time and in full. An IRS Offer in Compromise is an excellent way to resolve back taxes and to get a fresh start with the IRS. Tax debt settlement help can be obtained by calling our Bethesda or Washington, D.C. office, or by filling out our contact form to get you connected with one of our experienced tax attorneys.

Living Standard Guidelines

When an individual taxpayer files an Offer in Compromise with the Internal Revenue Service (IRS), they are required to complete a Collection Information Statement for Wage Earners and Self-Employed Individuals, Form 433-A. Section 9 of this form is the “Monthly Income and Expense Analysis.” Taxpayers are required to complete this section in order for the IRS to determine their reasonable collection potential (RCP). Taxpayers are expected to state their income and their “claimed” expenses

Processable or Unprocessable?

When an Offer in Compromise is filed with the IRS, it must be deemed “processable” before the IRS will review it. If the OIC is unprocessable, the IRS will return or reject it. The offer needs to be completed and submitted on the appropriate forms along with the appropriate filing fee. Moreover, it is important that the taxpayer file the OIC at the appropriate Offer in Compromise Service Center. If an OIC is deemed unprocessable and returned to the taxpayer this will not prevent the taxpayer from re-filing the Offer, but may cause significant delay. Finding an experienced law firm with reliable tax advice and skills can help to mitigate the wait time for your OIC.

The Process

The IRS offers several programs to taxpayers with past-due federal income tax liabilities. The purpose of these various programs is to offer different ways for taxpayers to resolve their tax liabilities based on their unique financial situation. Perhaps the best known of these programs is the Offer in Compromise. The Offer is one of the most popular tax resolution programs offered by the IRS. Because of the large number of the Offer received annually, the IRS has taken actions to streamline the OIC process as much as possible.

Non-Liable Party Contact

When a taxpayer files an IRS Offer in Compromise, the IRS will evaluate the taxpayer’s ability to pay the taxes owed. As part of this evaluation, the IRS will look at the taxpayer’s income and expenses. The taxpayer must disclose to the IRS the taxpayer’s income and how much the taxpayer is paying for certain allowable living expenses.

It is also common practice for the IRS to require the income information from all members of the household regardless of whether they are liable for the taxes owed. Household individuals, who do not owe the tax, are considered “non-liable parties.” A non-liable party may be a husband, wife, significant other, parent, roommate, friend or anyone else living with the taxpayer.

Retired Debt

When a taxpayer files an Offer in Compromise with the Internal Revenue Service (IRS), they will evaluate the taxpayer’s ability to pay the taxes owed. As part of this evaluation, the IRS will closely inspect the taxpayer’s income and expenses. For purposes of the Offer in Compromise, it is common practice for the IRS to determine if all claimed expenses are “allowable” and if the expense will be “retiring” in the near future. A debt is retired when it has been paid in full or satisfied by some other means.

Can I Really Settle my Tax Debt for Less Than I Owe?

Many people ask if there really a program available with the Internal Revenue Service (IRS) for taxpayers to settle their back taxes for “pennies on the dollar.” Yes, there is a program available. By filing for an IRS Offer in Compromise, it can offer tax debt relief, but not every taxpayer will qualify for it. Settlement amounts are not always for “pennies on the dollar,” and they depend directly on the personal situation of each taxpayer. Every situation is different, and working with a tax law professional can help to minimize the stress and struggle of completing all forms in a precise fashion.

Effective Tax Administration

The majority of Offer in Compromises filed by taxpayers are filed on the basis of “Doubt as to Collectibility” claiming that, based on financial information provided by the taxpayer, they do not have the ability to pay. Generally, when a taxpayer files an Offer on this basis, the IRS does not look into the taxpayer’s specific facts such as their age, health or exceptional circumstances as part of their review process.

What are Dissipated Assets?

Dissipated assets are those that “(liquid or non-liquid) have been sold, gifted, transferred, or spent on non-priority items and/or debts and are no longer available to pay the tax liability.”

Compliance After Acceptance

An IRS Offer in Compromise is a great opportunity for a taxpayer to settle his or her back tax liabilities. The government offers tax settlement programs with the purpose of providing a taxpayer with a fresh start, and the expectation that the taxpayer will pay his or her taxes on time from here on out. Taxpayers are given a second chance, and the IRS now has a citizen that files their taxes on time, every time.

Payment Methods

Many taxpayers are searching for IRS tax relief in the form of a tax resolution. The IRS‘s Offer in Compromise program is a form of tax debt relief or reduction for taxpayers who qualify. An Offer allows taxpayers to settle their outstanding tax debts for an amount that is less than the taxpayer’s tax debts. In other words, when the IRS accepts an Offer, they agree to take a certain dollar amount in exchange for wiping out the back taxes owed. An OIC is a good program for many taxpayers with tax problems. Hiring a qualified tax consultant for this endeavor can help to establish a more favorable amount for the involved taxpayers. The IRS offers three (3) different payment options when it comes to the Offer in Compromise.

Proration of Expenses?

Before the Internal Revenue Service (IRS) accepts a taxpayer’s Offer in Compromise, or places his or her balances in Currently Not Collectible status, or agrees to an Installment Agreement, they will first request a Collection Information Statement (CIS). The CIS is the taxpayer’s financial information statement attesting to his income, expenses, and assets.

Contact JDKatz

To get help settling outstanding IRS tax debt, or to see if an Offer in Compromise is right for you, schedule a free consultation with the trusted attorneys at JDKatz. Contact us by either filling out the consultation request form or calling one of our offices to receive the help and representation you need.

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On May 23, an amicus brief was filed in the U.S. Court of Appeals for the Fifth Circuit on behalf of a group of 13 former immigration judges (including myself) and BIA members in the appeal of the BIA’s precedent decision in Matter of W-Y-C- & H-O-B-.  In that decision, a three-judge panel of the BIA held that an asylum applicant must clearly delineate its proposed particular social group before the immigration judge.  The Board held that the asylum applicant may not alter the social group formulation on appeal to the BIA, citing the “inherently factual nature of the social group analysis.”

Our brief argues that the Board’s reasoning is flawed.  The Board has held that the determination of whether a particular social group is cognizable is a question of law which the Board may review de novo.  Our brief also points out that the Board’s arguments as to why it will generally not consider a new group on appeal overlooks the fact that it has done just that in the past.

One member of our group, former BIA chairperson Paul W. Schmidt, was the author if the Board’s 1996 landmark decision in Matter of Kasinga, the first BIA precedent to grant a gender-based asylum claim.  Two other members of our group, former Board Members Gus Villageliu, and Lory D. Rosenberg,  respectively joined in the majority opinion and wrote a concurring opinion in Kasinga.  As the three pointed out in the drafting process, the particular social group that the Board approved in that case was neither delineated before the IJ nor proposed by either party on appeal.  It was crafted for the first time by the Board itself, in a manner that was consistent with the factual record below and which allowed the Board to grant relief. The three noted that the ability of the Board itself to alter the group’s contours is often necessary to allow an en banc Board to reach consensus.

Our brief also pointed to the Board’s decision in Matter of M-E-V-G- to remand the record where “the respondent’s proposed particular social group has evolved during the pendency of his appeal.”  We also point out how circuit courts have frequently cited to the Board’s decades-long practice of clarifying proposed groups.

Our brief additionally underscores the extreme complexity of particular social group formulation, particularly in light of the highly-criticized additional requirements of particularly and social distinction imposed by the Board in recent years.  We note that group delineations will often be made by pro se respondents, often with a limited mastery of English, sometimes in detained facilities with limited access to counsel or law libraries.

This was the sixth Amicus brief filed by our group.  We are most thankful for the outstanding assistance of attorneys Jean-Claude Andre and Katelyn Rowe of the law firm of Sidley Austin for lending their assistance pro bono for the second time in the drafting of our group’s brief.  We also acknowledge the distinguished counsel for the respondents, led by Fatma Marouf of Texas A&M Law School, Geoff Hoffman of the University of Houston Law Center, and Deborah Anker of Harvard Law School.

The link to our full brief is here:

The cooperation and assistance of so many brilliant minds and caring hearts is a source of great comfort in these challenging times.

Copyright 2018 Jeffrey S. Chase.  All rights reserved.

3rd-Generation Gangs and Political Opinion

EOIR's Knee-Jerk Redaction?


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Satay Chicken Nourish Bowl

By author photo Jenny Craig Team

meal-ideas · 02 Nov 18

Serves: 1

You will need:

  • 1 Jenny Craig Chicken Satay
  • ½ Lebanese cucumber, cut into ribbons
  • ½ carrot, sliced into rounds
  • ½ cup red capsicum, sliced
  • ½ cup snow peas
  • ¼ cup red cabbage, sliced Fresh coriander
  • 1 lemon wedge
  • Fresh chilli, sliced

  1. Heat the Jenny Craig Chicken Satay as per instructions on the pack and place in a bowl.
  2. Lightly cook the carrot, capsicum, snow peas and red cabbage in the microwave or steamer until tender but slightly crisp.
  3. Once vegetables are cooked, arrange in a bowl with the Chicken Satay.
  4. Add cucumber ribbons and garnish with fresh coriander, a lemon wedge and fresh chilli slices.

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The Great Migration to Exchange 2013

We upgraded to Exchange 2013 this week from Exchange 2007.  We have wanted to upgrade almost since the day we installed Exchange 2007. Not because it was bad, but because we installed it only a few months before Exchange 2010 was RTM (long story for another blog post). We are also hoping that the greatly enhanced Outlook Web App will help with our volunteers and BYOD users.

2003 to 2007 was a big project and I did it all last time. There were many unforeseen issues that took a lot of time to resolve. It was not something I wanted to repeat without help. This time I enlisted the services of a friend and professional who was experienced with this kind of thing. Ed Buford is someone I have know for a while and works for Pinnacle of Indiana.

I did what I could to cut down on the consulting costs. Upgraded our servers to VMware 5, downloaded and installed Server 2012 Datacenter, updated said server, downloaded Exchange 2012 CU2. Ed helped with the more technical stuff like prepping Active Directory, checking the configuration on Exchange 2007, Installing and configuring Exchange 2013 using best practices (better than mine since Exchange 2013 is still real new some things were kind of buggy).

Then came the migration. We had planned to do this on a Sunday afternoon because for us that is the lightest day of the week and would have the least impact on our staff. Ed and I figured it would take 4-6 hours to transfer our 260 mailboxes. We were wrong. After transferring just my mailbox as a test (which was about 4 Gb) we saw a problem. It was only transferring at about 11 Mbps and took about an hour. Exchange 2007 server was only pushing a few percent on CPU and network but the Exchange 2013 server was almost maxing out the two vCPU’s. I decided to move this to a different host and try again, this time with 4 vCPU’s. This batch we ran about 10 accounts and found that it would only transfer about 4 to 6 at a time. All 4 CPU’s were maxed out. After that batch I shut down and added two more (this host only had 8 cores). This next batch of 50 mailboxes went a little faster and would transfer 6 to 8 boxes at a time. We figure this was as good as it would get and queued up a few more batches and called it a night.

In the morning we saw that the boxes that had moved were accessible by OWA and ActiveSync. Boxes that hadn’t moved yet were only accessible by Outlook since we changed our autoconfigure settings and certificates. I Queued up the last batch but saw that we had a problem. They weren’t moving. After some exploring we found that restating the Exchange Transport service got things going again (it said it was up). We figured it was a fluke and continued with the migration. By the end of the day, all mailboxes were transferred, Activesync devices were syncing, Outlook was connecting, and Outlook Web App was working great.

The next day I discovered that at some point in the night/morning, we stopped getting outside email. Our hosted barracuda was saying that it had delivered a lot a messages but where did they go? We still had email routing through our old server so I checked there and saw that we had 1590 messages waiting to be delivered!! We restarted the Exchange Transport service on Exchange 2013 and watched as all of the messages were delivered in about 15 seconds. After this we moved inbound email over to the new server and thought we were done. Nope. This would continue to happen again and again over the next few days, but now, messages would spool on the Barracuda (thankful we use it for this reason!) and then deliver once we restarted the Transport service. Ed found that others on the web were experiencing this same issue outlined here.

After deleting the old receive connectors as people in the above TechNet thread suggested, and only having the default ones, it looks like the issues is gone. The problem is I NEED those connectors. So, I’m going to add them back one by one and see what happens.

So, in summary, these are the things I learned about migrating to Exchange 2013

  1. Communicate well to your users. I’m not sure if you can over communicate, but you want to get as close as you can. No matter what you do there will still be those saying “Oh, was that today?”. Since email would be down for some during and after the transition for some, we setup a blog they could go to for updates and directions.
  2. Plan a lot of time. More than you think.
  3. Make sure your new exchange server has plenty of processors (at least for the transition. You can drop a few after that.) More processors = faster migration.
  4. Be prepared for something to go wrong. In our case, we already had outside help queued up. If you’re doing this solo you should definitely do some more tests before the big “Moving Day”.
  5. Plan for issues with certificate and namespace if you changing those in any way with your migration (you probably will). Android devices seemed to have the most trouble with this since they all handle things a little differently depending on their OS version and device model. iOS devices were pretty predictable. Once we knew what change we had to make they were all the same.

I’ll try to update this blog in the coming weeks as we get used to Exchange 2013 and also note any issues and how we resolved them.

  • Users accessing our OWA site via HTTP are not being redirected to HTTPS. We have tried just about everything we can and it still won’t work. If you have figured this out, let me know! Please!

Simulcast 2.0

Back in 2010 I told you about how The Chapel had been using the latest HD video technology to be “one church in many locations”. We are still a mutli-site church and have grown from our initial 4 video campuses to 8 campuses by 2012 (5 with live video & 3 with “tape”). Our current video simulcast solution was working great for the 5 campuses that were on our fiber network but we had not moved the other 3 to live video for a number of reasons.

Some of the problems with our current solution:

  • Expensive – Joining another campus to our fiber network to enable them to have live video would require thousands of dollars of network equipment and thousands more to get the fiber into the building and terminated.
  • Flexibility – Singing a 3 year contract on fiber is about as fun as taking out a mortgage on a house (and hurts the pocket book about the same!). The Internet and network world is constantly changing so why get locked into something?
  • Scalability – To this date we had been lucky that all our locations are within the same Chicago metro area and could be serviced by AT&T’s Opt-e-Man product. But what happens if we want to cross the boarder into Wisconsin or downstate Illinois? Or another state or country? Our telco broker warned us that that could be an expensive problem in the future as it would most likely require an even more costly circuit.

I knew that I didn’t want to get caught off-guard when it came time for renewal in 2013 and be forced to resign. So I started working with our telco broker early in 2012 and I am glad I did! We heard pitches from several of the top vendors and to my surprise most were even more expensive than AT&T!

Throughout this time I had been talking with Chris Kehayias at Calvary Chapel Melbourne who introduced me to Zixi at the Church IT Round Table event they hosted in 2011. Zixi can best be described as a transport service specializing in video. Zixi ensures that my video gets from point A to point B without dropping a packet. Chris and others had been using it to deliver video in a point to multi-point church environment with amazing results. After getting a demo setup in our environment we were sold! The great thing about how Zixi works is that we really didn’t have to change our workflow, encoders/decoders or even bitrate. Zixi just “dropped in” seamlessly.

We have now moved most of our receive campuses to Zixi but still maintain a fiber connection between our two broadcast campuses, Grayslake and Libertyville. Our receive campuses each have their own 27/7 Mbps Comcast coax internet connection. So far this has worked great for us and is able to keep up with our two HD video feeds running at around 16 Mbps. Our send site uses a 40/40 Mbps Comcast fiber Internet connection for the upload.

We had to make some network changes since we were going from a fiber point-to-point system to a VPN system. For that we are using SonicWall TZ-200 & TZ-205’s at our receive site and an NSA-240 at our send site. The NSA-240 seems to handle the video just fine but is struggling to keep up with other traffic so we are in the process of upgrading. The TZ-200 & 205’s are doing just fine at the receive sites though.

Even with these changes we should see a 43% yearly reduction in our simulcast and network cost! We are now able to get all our campuses live video for less than we were paying for just 5 in the previous model. We are also to setup a video campus anywhere we have a decent internet connection.

Earlier this year at the Spring National Church IT Roundtable even I gave a “Ten Talk” about Zixi and most of what I detailed above. You can check out the video here on YouTube.

Also, this is a link to the presentation slides.

If you have any comments or questions, leave them below or catch me on Twitter


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Caring for Generations
More pages in this section

Pathways to Employment

Pathways to Employment is a program sponsored by the Jewish community to help people with disabilities gain the skills needed to be independent and successful at work. The program is for adults who are motivated to work but need to develop workplace soft skills, such as:

  • Effective communication
  • Problem solving
  • Time management and personal organization
  • Following instructions
  • Professionalism and work ethic
  • Networking

Programming emphasizes learning together in an interactive classroom setting as well as in the community while volunteering. There are typically six individuals in each group. Participants should be able to be independent in the community without constant supervision and frequent cueing and commit to attending three days a week either Mondays, Tuesdays, and Fridays or Wednesdays, Thursdays, and Fridays at our Brighton or Canton locations. Participants typically use the RIDE to get to and from the program, although the Brighton location is also accessible by the MBTA bus and train.

To take a tour or for more information about our programs, call 781-647-JFCS (5327) or email your questions via our contact us page.

Supported by CJP This program is funded in part by CJP.

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Sunday, March 28, 2010

Regulating lines #1 - Le Corbusier

This is a post on my knowledge about 'regulating lines'.

Le Corbusier (1887- 1965) was one of the best known 20th C. modern architects.
As an architectural student I was so aware of him that I remember where I was when he died.
He wrote a book, The Modular, about visual relationships - a study on where to put what and why. Among other things he postulated a series of interlocking dimensions based on human scale, the Fibonacci Series, and the Golden Section.

In the book Corbu mentioned an associate, Jerzy Soltan, who was in my time, Dean of the Harvard School of Design. With amazing bravery for me, I, a student at MIT, called Professor Soltan to ask for a private reading class. He agreed. The first book he assigned was Dynamic Symmetry, by Jay Hambridge, an investigation of the Golden Section.

That year at MIT we had a series of visiting professors. I asked each of them privately if they used the Golden Section. Although they told me they did, they never mentioned it in lectures. It was considered a kind of magic.

I have Corbu's numbers posted beside my drafting board. I use them. I also use the Golden Section. When a client asks for a wing on an old house, I explore the existing pattern of the house - using the square, the diagonal, the permutations of the Golden Section - to help me read the regulating lines of the house so my design can be sympathetic to what is already there.
A note on the Fibonacci Series: any 2 numbers if added to each other will, within 6 calculations, become the same ratio:
1+2= 3, 2+3= 5, 3+5=8, 5+8=13, 8+13 = 21, 13+21=34 21/34 =0.617
1234 + 789=2023, 789+2023=2812, 2023+2812=4835, 2812+4835=7647, 4835+7647= 12,482
7,647+12,482 = 20129 12,482/20,129 = 0.620

Try it yourself.

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I can't figure out where to start w/ my essay. Analyze the Olympics w/ these 3 perspectives: structural-functional, socila conflict, and symbolic-interaction?

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  1. The first place to start is to research the Olympics and the three perspectives.

    Make an outline of your findings.

    Develop a thesis statement.

    Support your thesis statement.

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Farmer Speaks

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Earrings #DETGPB2

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Remodeled one BR condo with walk-in shower in the master bathroom. Tile throughout. Upgraded sliding doors to patio with built in blinds. Freshly painted and ready for immediate move-in. Walk to the pool. Century Village Boca Raton is one of the premier 55+ communities in south Florida with many attractions/conveniences for residence to include on site place of worship, bus service, club house, pool and much more. Located just minutes from major highways, restaurants, shopping, movies, libraries and much more.

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Jackie Ream

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Mortgage loan loss

Mortgage Loan Loss Can't Offset Real Estate Gain on Sale of U.K. Home

M r. and Mrs. Quijano were U.S. taxpayers who sold their home in the United Kingdom. They purchased it in September 1986 for 297,500, financing the entire amount with a mortgage, which two years later they increased to 330,000 and, in March 1990, to 333,180. They made capital improvements of 45,647 to the house, and, in July 1990, they sold it for 453,374-net of selling expenses-and retired the mortgage. On their 1990 joint federal income tax return, the Quijanos reported a capital gain of $308,811, using the exchange rate on the date of purchase ($1.49 to 1) to determine their cost basis but using the exchange rate at the date of sale ($1.82 to 1) to compute the sale price.

The couple later amended their 1990 return to claim a $30,610 refund. They arrived at the figure by using the exchange rate on the sale date to determine both the purchase and the sale price and to determine the cost of the capital improvements. This reduced the capital gain to $199,491. The Internal Revenue Service disallowed the amended refund claim, stating that the cost basis of the house had to be determined using the exchange rate on the purchase date and when each capital improvement was made.

The Quijanos argued that they suffered a loss on their mortgage loan transaction because the value of the dollar against the pound had declined between the time of purchase and the time of sale. They believed they should be allowed to offset this loss against the real estate transaction gain-the capital gain realized from the sale of the residence. The Quijanos argued the mortgage loan was part of a "hedging transaction" under Internal Revenue Code section 988(d)(1), so the loan transaction could be integrated with the real estate transaction. Under section 988(d)(1), this treatment is allowed if the taxpayer is borrowing under a debt instrument where he or she is obligated to repay the loan in a "nonfunctional currency."

Result: For the IRS. The Tax Court rejected the Quijanos' argument that the transaction qualified as a hedging transaction because (1) the mortgage loan transaction was not conducted by a trade or business and was not entered into for profit and (2) the Tax Reform Act of 1986 explicitly excludes the use of section 988 for foreign currency gains or losses recognized by U.S. individuals residing outside the United States to repay a foreign-currency-denominated mortgage on a principal residence.

The Tax Court also rejected the Quijanos' use of the exchange rate in effect at the time of sale to determine the sale and purchase prices. The Quijanos wanted to treat the pound as their functional currency or qualified business unit (QBU) under IRC section 985(b)(1). However, the Tax Court found the taxpayers did not use the pound as the unit of trade or business for which they maintained separate books or records, so it did not qualify as a QBU. The court concluded that the basis, sale price and the cost of capital improvements had to be determined using the exchange rate in effect when the purchase, sale or improvement took place.

Legal Fees Incurred to Recover Fire Insurance Proceeds Are Not Deductible

I n 1991, Mr. and Mrs. Jasko's residence was destroyed by fire. The loss was covered by fire insurance. The Jaskos incurred $71,000 in legal fees during 1991, 1992 and 1993 in a dispute with the insurance company over the home's replacement cost. In 1992, they paid $25,000 of those legal fees and deducted them on their 1992 tax return as a miscellaneous deduction. The IRS disallowed the deduction under IRC section 212(1), which allows individuals to deduct all ordinary and necessary expenses paid or incurred during the taxable year for the production or collection of income. Because the Jaskos did not hold their house for the production or collection of income, the legal fees were not deductible. The Jaskos conceded this point but claimed the insurance policy should be considered separate from the ownership of the home, and therefore the legal fees incurred to regain the house's full replacement cost should be deductible.

Result: For the IRS. The Tax Court rejected the Jaskos' argument that the insurance policy should be separated from the residence. Citing the "origin of claim" doctrine, the court said the policy was meant to reimburse the Jaskos by providing the replacement cost of a home. Without the home and the fire, the insurance policy would be meaningless, so the home and the fire were the origin of the Jaskos' legal claim. The Tax Court also concluded that the destruction of the house by fire was the equivalent of disposing of a capital asset or an involuntary conversion. Therefore, the legal fees were a nondeductible capital expenditure. They could, however, be used as an offset against any gain the Jaskos may have realized from the insurance proceeds.

  • Jasko , 107 TC no. 3 (1996).
Edited by Maria Luzarraga Albanese, JD, LLM, editor, AICPA client newsletters.

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