We at Research and Development Tax Credit specialize in analyzing businesses for the missed tax breaks they are entitled to. We offer a comprehensive R&D tax credit claim and advice services. Contact us today to see if your company qualifies for these and other missed tax advantages.

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Century Business Solutions selection of Ring Binders includes 3 Ring Binders, Easel Binders,Loose Leaf Binders,Presentation Binders,Report Binders,Ring Binder Accessories,School Binders,View Binders, andZipper Binders.

Easel / Display – Presentation Binder, 1″ O-Ring – White
This extrawide, 3 ring binder flips into a selfsupporting display easel for instant public presentations. A great way to show graphs & charts! Plus, its extrawide vinyl cover is perfect for accommodating sheet protectors & oversized index tabs.Customize by placing your own graphic in the f
http://www.centurybusinesssolutions.com/easel-display-binder-bi008/view-binders/

Executive Memo Binder Kit
Handsome, handy, and half the size of the standard binders. Our Executive Memo Binder, with 25 included DoubleVu Sheet Protectors, are perfect for memos, executive stationery, small forms, even photos. Measures 814W x 9 1/8H x 1 5/8 with 1 Orings. Pages hold up to 5 1/5 x 812.li
http://www.centurybusinesssolutions.com/executive-memo-binder-kit-nk001/report-binders/

Executive Padded 3 Ring Binder – 1" O-Ring – Brown
Richly padded from front to back, our Castilian Padded Executive Binder has a black interior lining and black matte rings. Extrawide covers to fit sheet protectors and oversized index tabs.Inside front and back pockets add extra storageMade of richly padded Castilian Vinyl1 backmou
http://www.centurybusinesssolutions.com/executive-padded-3-ring-binder-bi02830/report-binders/

Vinyl Binder Envelope (100/pk)
These threehole punched page protectors include extra horizontal pockets. Use for batching cards, envelopes, letterfolded documents, and more. Has clear front and back for easy view of contents from both sides. Lightweight, 4.5 gauge vinyl.Format Holds an 812 x 11 page with three 3 5/8
http://www.centurybusinesssolutions.com/vinyl-binder-envelope-ba028pk/ring-binder-accessories/

Economy 3 Ring Binder – 1-1/2″ O-Ring – Black
Our Economy Ring Binder is constructed for heavy usage, at a price that’s so low you’ll want to stock up for the entire year! 112 spinemounted, nickelplated Orings provide sturdy storage and easy access to paper documents, sheet protectors, and any 3hole punched material. Plus, the covers are wi
http://www.centurybusinesssolutions.com/economy-3-ring-binder-bi00310/school-binders/

Economy 3 Ring Binder – 1-1/2″ O-Ring – Royal Blue
Our Economy Ring Binder is constructed for heavy usage, at a price that’s so low you’ll want to stock up for the entire year! 112 spinemounted, nickelplated Orings provide sturdy storage and easy access to paper documents, sheet protectors, and any 3hole punched material. Plus, the covers are wi
http://www.centurybusinesssolutions.com/economy-3-ring-binder-bi00324/school-binders/

Display 3 Ring View Binder – 1″ O-Ring – White
Clear vinyl spine and front cover view pockets provide display space to spotlight your project or company documents. Simply slip in your customized title page or company logo for a professionally finished look.Inside front and back cover pockets1 spinemounted, nickelplate OringsSi
http://www.centurybusinesssolutions.com/display-3-ring-binder-bi010/view-binders/

Display 3 Ring View Binder, Oversized – 1-1/2″ D-Ring – White
Now you can instantly personalize your indexed and wider page albums. The tough, nondistorting, vinyl view pockets on the front cover, back cover and spine let you title, identify, advertise or personalize ring binder contents.Accommodates sheet protectors, tabbed pages and larger documents
http://www.centurybusinesssolutions.com/display-3-ring-binder-bi01802/view-binders/

Archival Storage Box with Binder – Black
Safely store your photo, slide, or negative pages. Accommodates pages up to 1012¨ x 1212¨, and holds up to 30 coin/currency/photo pages or 25 slide pages . Sturdy metaledged corners. Velcro closure eliminates accidental opening and keeps contents securely inside the box.Nickelplated, 112¨ roun
http://www.centurybusinesssolutions.com/archival-storage-box-w-binder-ab001/storage-boxes-truecore/

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Be it a need to rent a piano for your upcoming concert performance or simply because you’d like to try before you buy, we have a program that will work for you!  Sherman Clay Portland offers many piano rental options.

We continuously monitor the age and condition of our fleet to ensure that you are always playing on a wonderful instrument that inspires your musical creativity!  Being the largest retail piano company in America, we are always able to offer the very best value.

Please give us a call and you will see why for 139 years, Sherman Clay Portland has been the first choice for everyone needing a piano.

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Learn To Play The Piano

Playing the piano is a dream for most…At Sherman Clay Portland, we want to help you realize that dream!
Studying music directly, develops many of the skills that are necessary for success in life.  There is now scientific evidence that piano instruction produces changes in the brain, which enhance abstract reasoning skills and improve intellectual development.  Studies show that everyone is born with musical ability. There’s no better way to provide such a positive influence on the formation of coordination, sensitivity, and memory enhancement than by learning how to play the piano.  Whether you’re six years old or sixty, there isn’t a better time than right now to begin to learn how to play.

If you are a piano teacher and would like to become a member of our recommended teacher program, please send us an e-mail.

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1. Saving for your own retirement is more important than saving for college.

Your children will have more sources of money for college than you will have for your golden years, so don’t sacrifice your retirement savings.

2. The sooner you start saving, the better.

Even modest savings can pack a punch if you give them enough time to grow. Investing just $100 a month for 18 years will yield $48,000, assuming an 8% average annual return.

3. Stocks are best for your college savings portfolio.

With tuition costs rising faster than inflation, a portfolio tilted toward stocks is the best way to build enough savings in the long term. As your child approaches college age, you can shelter your returns by switching more money into bonds and cash.

4. You don’t have to save the entire cost of four years of college.

Federal, state, and private grants and loans can bridge the gap between your savings and tuition bills, even if you think you make too much to qualify.

5. With mutual funds, investing for college is simple.

Investing in mutual funds puts a professional in charge of your savings so that you don’t have to watch the markets daily.

6. 529 savings plans are a good way to save for college and they offer great tax breaks.

Qualified withdrawals are now free of federal tax and most plans let you save between $100,000 and $270,000 per beneficiary. Plus, there are no income limitations or age restrictions, which means you can start a 529 no matter how much you make or how old your beneficiary is.

7. Tax breaks are almost as good as grants.

You may be able to take two federal tax credits – the Hope Credit and Lifetime Learning Credit – in the years you pay tuition. Or, if your income is too high to qualify for those credits, you may qualify for a higher education expense deduction that will be in effect through 2009 and is extended periodically.

8. The approval process for college loans is more lenient than for other loans.

Late payments on your credit record aren’t automatic grounds for refusal of a college loan.

9. Lenders can be flexible when it’s time to repay.

There are still ways to cut costs after you graduate and begin repaying your student loans. For instance, there is often a one-quarter percentage point interest rate decrease if you set up automatic debit, in which monthly payments are automatically taken from your account.

10. Taxpayers with student loans get a tax break.

You may deduct the interest you pay up to $2,500 a year if your modified adjusted gross income is less than $65,000 if you’re single or less than $130,000 if you’re married filing jointly. The deduction can be taken for the life of the loan.

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Getting, Understanding & Using Your Financial Data to Make Good Business Decisions Presented by contractor Skip Snyder of the Snyder Company, this 3 cd set contains video presentations, handouts & formula sheets, helping you better understand your financing.

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