Contact Tampa Bay Times Fast Customer Service Support 2022

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Mark served on the board of directors at Investigative Reporters and Editors, where he oversaw the organization’s mentorship program for six years. He is a member of the Kaiser Health News advisory board. Van Sickler started editing in 2015, first as assistant metro editor, then as senior editor for politics.

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Tampa Bay Times Rating Based on 104 Reviews

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deposit-interest-rates Tamilnad Mercantile Bank

Table of Content

• Tamilnad Mercantile Bank Bulk Domestic and NRO Term Deposit Rates
• Tamilnad Mercantile Bank Home Loan Details
• Features of Tamilnad Mercantile Bank Personal Loan
• Tamilnad Mercantile Bank Affordable Home Loan scheme

Customers who prefer to remain in the Base Rate regime can choose to do so. However, they can opt to switch over to the MCLR concept on the payment of a conversion fee. The corresponding Home Loan interest rates of Tamilnad Mercantile Bank are as listed below. The upper age relaxation is available up to 55 years in the case of Government or PSU employees where the retirement age is 60 years. The loan is processed quickly, and the documentation is clear and straightforward.

Before applying for the loan do an eligibility check with the information provided in the TMB website which will speed up the processing procedure. Digitally applying for the Personal Loan enables quick processing of the loan and the whole ordeal will be made simple. To avail of this facility, you can apply online through MyMoneyMantra. The loan is also available to the employees of state/ central government organisation/ PSUs/ banks who get their pension through Tamilnad Mercantile Bank branches. The loan security is in the form of mortgage where an equitable portion of the house is mortgaged until full repayment of the loan amount. 25% for the renovation or purchase of old house/flat aged below 5 years.

Tamilnad Mercantile Bank Bulk Domestic and NRO Term Deposit Rates

A maximum of Rs. 25 Lakhs will be provided for repairs and renovation of the existing house. Takeover from other banks or financial institutions. Bear the cost of extension/renovation of old house/flat. Copy of NRE Account Statement for 2 years with Tamilnad Mercantile Bank or any other bank where the applicant's salary is credited. In the case of professionals like doctors, lawyers, engineers, architects, and chartered accountants, the maximum age limit can be relaxed to 60 years.

The additional interest rate on TD for senior citizens is not applicable on NRO deposits. The specialized rates will also not apply for senior citizens who opt to keep TD for 3 to 10 years. For TMB fixed deposits, you can withdraw interest either monthly or quarterly. But the interest for savings account interest is compounded quarterly. Also, for SB account deposits, the rate is calculated on the daily closing balance.

Tamilnad Mercantile Bank Home Loan Details

The probability of service continuation for the loan tenure should be assessed. The applicant should be working abroad on an assignment with Government agencies or International/Regional Agencies like UNO, IMF, World Bank, etc/foreign governments. In the case of professionals like chartered accountants, doctors, engineers, lawyers, business owners, the upper age limit is capped at 55 years. You will not have to provide any personal details or register in order to use the Tamilnad Mercantile Bank home loan calculator. After these details have been provided, you can easily view your monthly EMI and interest amount of the house loan from Tamilnad Mercantile Bank.

1% penal charges will be levied for premature withdrawal of NRE Term deposits. The penal interest of 1% will be deducted from the rate prevailed on the date of opening of the deposits for the period for which the deposit has remained with us. Yes, in case of irregular payments or defaulting on the loan, a penal interest of 2% p.a. Will be levied over the existing rate on the outstanding balance.

Features of Tamilnad Mercantile Bank Personal Loan

Less than 4 hours from the time of application till credit of funds. The applicants should have a salary account with TMB otherwise the loan quantum will be reduced. Undertaking from the employer that the loan applicant will not be relieved from their services under VRS without the bank's consent. All other elementary documents such as ID and address proof are also required during the application process.

You can prepay early & reduce interest cost as per your cash flows. Tamilnad Mercantile Bank Ltd does not have a facility to apply for a Home Loan online. Hence, the best way to apply for Tamilnad Mercantile Bank Home Loan is to visit the nearest branch of the bank. Tamilnad Mercantile Bank charges Home Loan interest on the daily reducing balance method. Various Builder/Developer who have advertised their products. Magicbricks is only communicating the offers and not selling or rendering any of those products or services.

The bank often levies a processing fee, which is negotiable or occasionally waived. Properly completed and signed a gold loan application. The loan amount that banks authorize for you normally corresponds to a certain level of the gold's value. You will take care of it by making your regular payments, and then you will receive your gold things back. In metro areas, the quantum of loan that is provided is up to Rs.50 lakh.

CSB chief executive CVR Rajendran told ET in an interview that the bank is evaluating all old generation private sector banks as possible candidates. 0.25% of the limit sanctioned plus taxes as applicable. Equitable Mortgage of the Land / House / Flat purchased / constructed / acquired under the Loan and the improvements / additions there to. In the case of Joint borrowers, any one of the applicant/s is aged 50.

Before April 2016, Tamilnad Mercantile Bank used to follow the Base Rate formula. The bank announces its Base Rate at regular intervals to cater to those borrowers who still prefer to remain in the Base Rate regime. Tamilnad Mercantile Bank has linked its Home Loan interest rates with its MCLR.

They are known as EMIs because they consist of the particular amount that is paid each month in the term of clearing out the borrowed loan. Documents for the takeover from other banks/ financial institutionsThe loan amount should not exceed the actual outstanding amount with the other banks/ financial institutions. The borrower must obtain the evidence from other banks/ financial institutions that it is a regular account. Repayment tenure should be the remaining period with the other banks/ financial institutions.

Why Apply for Tamilnad Mercantile Bank Personal Loan?

Professionals such as Doctors, Lawyers and C.As can apply up the age of 60 years. Individual applicants should be between the age group of 18 to 50 years. In case of joint applications, one of the applicants should be below the age of 50 years. Cheque Book is mandate for all Debit transaction above of Rs.5 lakhs in all Savings Bank accounts except Basic Savings Accounts.

Top 10 Pelicans Home Games of 2017-18: No 6 vs. Timberwolves

Table of Content

• Watch Suns vs. Pelicans: How to live stream, TV channel, start time for Saturday's NBA game
• Top 10 Pelicans Home Games of 2017-18: No. 6 vs. Timberwolves
• Pelicans News Around the Web (8-22-
• Team and Opponent Stats
• NBA changes fan voting format for All-Star Game
• Can I buy prepaid parking for New Orleans Pelicans games?

No matter what team LeBron James plays for, it’s a guaranteed sellout in the Smoothie King Center, with the future Hall of Famer ensuring a packed house as one of the NBA’s premier attractions. The Cavaliers will have a bit of a new look this season as they try to capture a fourth consecutive Eastern Conference championship, but Cleveland also returns several familiar faces. Included among the Cavs players who’ve been part of the franchise’s entire recent run of excellence are Kevin Love, Tristan Thompson and J.R.

Please note that divisional breakdowns have been omitted as they are still pending due to the addition of two new teams. On November 22, 2017, Anthony Davis reached 7,938 career points, moving him to second in points scored in franchise history after passing Chris Paul. Opponent-wise, Nov. 20 marks the beginning of a tough two-game homestand (Nov. New Orleans have won 17 out of their last 33 games against Phoenix. See NBA picks for every single game, including this one, from SportsLine's advanced computer model. Game dates are subject to change and all game times are to-be-determined.

Watch Suns vs. Pelicans: How to live stream, TV channel, start time for Saturday's NBA game

If that wasn’t enough, the Warriors improved their already-lethal stable of perimeter shooters, signing Nick Young and Omri Casspi. On paper, a team that has averaged an absurd 69 wins over the past three regular seasons somehow got even better. The team's second-leading scorer, DeMarcus Cousins, suffered a season-ending Achilles tendon injury during his subsequent final game as a Pelican on January 26, 2018, and missed the remainder of the season. Despite losing Cousins, the Pelicans clinched their first playoff berth since 2015 with a win over the Los Angeles Clippers on April 9, 2018. They finished the season 48–34 to finish in second place in the Southwest Division. When asked about his struggles in playoff elimination games, Harden admits his results have been mixed — but says it’s not entirely on him.

On June 21, 2017, however, the Pelicans acquired the Washington Wizards' second round pick (No. 52 overall) in exchange for guard Tim Frazier. As a result, the Pelicans entered draft night with two second round and no first round picks. On the night of the draft, the Pelicans traded away their second round pick (No. 40 overall) and cash considerations to the Charlotte Hornets in exchange for the Hornets' second round pick (No. 31 overall). With that pick, the Pelicans selected Duke point guard Frank Jackson.

Top 10 Pelicans Home Games of 2017-18: No. 6 vs. Timberwolves

On January 28, 2018, Davis reached 3,857 career rebounds, giving him the all-time franchise high in rebounds after passing David West. Sixers forward Tobias Harris was ruled out for Friday’s victory over the Warriors due to back pain, writes Keith Pompey of The Philadelphia Inquirer. It was Harris’ third missed game of the season, and it’s unclear what his status is going forward. Yes, SeatGeek has parking tickets for Pelicans games here.

With the No. 52 overall pick, the Pelicans selected Xavier point guard Edmond Sumner and traded him to the Indiana Pacers for cash considerations. A radio broadcast of all Pelicans games are streamed at MyrtleBeachPelicans.com/Broadcast, the MiLB First Pitch app and TuneIn, which is a free download on all mobile devices. MiLB.tv, a subscription-based service, still offers a video stream for all 70 home games and select road games. The Pelicans complete their home schedule on Sunday, August 27 vs. the Carolina Mudcats and wrap up the season with a seven-game road trip concluding in Zebulon, North Carolina against the Mudcats on September 4. The schedule is once again loaded with home games during the summer months with 18 in June, 14 in July and 13 in August. The schedule is great for Spring Breakers coming to Myrtle Beach with homestands April and April 25-27.

Pelicans News Around the Web (8-22-

James Harden says he was at a “low point” after the Sixers were eliminated in last season’s playoffs by the Heat. Being traded twice in two seasons, dealing with significant injuries, and a couple of tough playoff losses left him “drained and deflated,” according to Yaron Weitzman of FoxSports.com. The Pelicans moved from Charlotte to New Orleans in 2002, and NBA basketball returned to the city for the first time since the New Orleans Jazz relocated to Utah at the end of the 1970s. The Pelicans originally kept their previous name, the Hornets, after they moved. The New Orleans Hornets made the playoffs in their first two years back in Louisiana.

In the Playoffs, the Pelicans faced off against the third-seeded Portland Trail Blazers in the First Round. On April 14, 2018, the Pelicans won the first game in the First Round playoff series which marked the franchise's first playoff game win since the 2011 playoffs' First Round series against the Los Angeles Lakers. On April 21, the Pelicans completed the playoff series sweep over the Trail Blazers, marking the franchise's first series win since 2008. It also marked the first playoff series sweep in franchise history, and the first time that a team seeded sixth or lower had swept a First Round series since the NBA had expanded the First Round to a best-of-seven series.

It’s also a fascinating contrast in styles, between a Golden State team that popularized and perfected the usage of small lineups vs. a New Orleans supersized frontcourt. The pairing of Davis and Cousins goes against the grain of what the rest of the NBA is doing, with two 6-foot-11 dominant scorers and rebounders patrolling the paint . In four head-to-head meetings last season, Golden State outrebounded New Orleans by 4.5 boards per game, but Cousins didn’t play in any of them. Of the 70 home games, TicketReturn.Com patrons will be exposed to nine different major league affiliates in addition to the New York Yankees during the Battle of the Beaches.

The two new teams joining the league will frequent Myrtle Beach the most this upcoming season with Kinston making 15 appearances and a team to be named later playing 14 games at TicketReturn.Com Field. On January 18, 2018, both Davis and DeMarcus Cousins were selected as NBA All-Star starters, which marked the first time since 2009 that multiple New Orleans players have been selected to the All-Star game. It was also the first time in franchise history that multiple players have started the All-Star game.

Team and Opponent Stats

Love and Thompson will have their hands full in the frontcourt while facing the Pelicans’ All-Star big-man duo of Anthony Davis and DeMarcus Cousins; it will be Cousins’ first game vs. Cleveland in a New Orleans uniform. The Raptors have fallen to after dropping Friday’s nail-biter to the Nets. According to Doug Smith of The Toronto Star, the team’s front office is displeased with the up-and-down start to the season, and are keeping a close eye on how players respond while evaluating the roster ahead of February’s trade deadline. - After televising seven games during Myrtle Beach's championship 2016 campaign, CW21 will broadcast every single Pelicans weekend home game throughout the 2017 season. On Saturday, April 15, when the Birds host the Lynchburg Hillcats in a rematch of the 2016 Mills Cup Championship Series. Crescent City basketball fans won’t have to wait long to see two of the NBA’s most star-studded teams play, with the Pelicans hosting Golden State (Oct. 20) and Cleveland in their first two home games.

Promotionally, fans can expect the return of popular weekly staples. The 19th year in franchise history will feature 14 Thirsty Thursdays, 11 Wiener Wednesdays, postgame fireworks, and more! While the full promotional schedule and fireworks shows will be released at a later date, shows can be expected on Opening Day as well as July 4. For a fourth consecutive year the Myrtle Beach schedule is arranged in a manner that ensures the maximum number of visitors to the Grand Strand will have the opportunity to attend a Pelicans game. There is at least one home game scheduled every calendar week between April 5 and August 27, the final home game of the season, with no longer than eight days between home games at any point.

The Pelicans lost the series in five games and were eliminated from the playoffs. -The Myrtle Beach Pelicans, Class A-Advanced affiliate of the Chicago Cubs and defending Carolina League Champions, are pleased to announce their 2017 regular season schedule. The Pelicans open their 2017 season on the road on April 6 but not before hosting the Charleston RiverDogs, New York Yankees Class A Affiliate, at TicketReturn.Com Field in the Battle of the Beaches. The opening six-game homestand also features a match-up against one of two new teams joining the Carolina League. On April 21, 2018, the Pelicans completed the playoff series sweep over the Portland Trail Blazers, marking the franchise's first series win since 2008.

The pair of challenging home tilts are part of a rough early-season stretch for New Orleans, which plays eight of its first 12 games overall away from Louisiana. Preparation for the Cleveland game Oct. 28 will be a bit condensed, because the Pelicans will play Oct. 26 at Sacramento in a late TNT game, then land at the local Kenner airport in the wee hours of the morning Oct. 27. Normally when a team experiences the Warriors’ level of recent success , roster attrition becomes an issue, because it’s often impossible to retain free agents at rising costs. That wasn’t the case for Golden State this summer, however, as it managed to bring back key reserves Andre Iguodala and Shaun Livingston, while re-signing recent league MVP winners Curry and Durant.

2017-18 New Orleans Pelicans Schedule

Table of Content

• Pelicans’ Posts: Week of August 14th
• Team and Opponent Stats
• Regular season
• New Orleans Pelicans Tickets
• Can I buy prepaid parking for New Orleans Pelicans games?
• Where to buy New Orleans Pelicans tickets?

On January 28, 2018, Davis reached 3,857 career rebounds, giving him the all-time franchise high in rebounds after passing David West. Sixers forward Tobias Harris was ruled out for Friday’s victory over the Warriors due to back pain, writes Keith Pompey of The Philadelphia Inquirer. It was Harris’ third missed game of the season, and it’s unclear what his status is going forward. Yes, SeatGeek has parking tickets for Pelicans games here.

The two new teams joining the league will frequent Myrtle Beach the most this upcoming season with Kinston making 15 appearances and a team to be named later playing 14 games at TicketReturn.Com Field. On January 18, 2018, both Davis and DeMarcus Cousins were selected as NBA All-Star starters, which marked the first time since 2009 that multiple New Orleans players have been selected to the All-Star game. It was also the first time in franchise history that multiple players have started the All-Star game.

Pelicans’ Posts: Week of August 14th

In the Playoffs, the Pelicans faced off against the third-seeded Portland Trail Blazers in the First Round. On April 14, 2018, the Pelicans won the first game in the First Round playoff series which marked the franchise's first playoff game win since the 2011 playoffs' First Round series against the Los Angeles Lakers. On April 21, the Pelicans completed the playoff series sweep over the Trail Blazers, marking the franchise's first series win since 2008. It also marked the first playoff series sweep in franchise history, and the first time that a team seeded sixth or lower had swept a First Round series since the NBA had expanded the First Round to a best-of-seven series.

Scott Kornberg returns for his second season as the Pelicans' lead broadcaster and will handle the play-by-play on all CW21 telecasts. He will be joined in the booth by a variety of color commentators, including former Major Leaguer Lloyd Merritt, and Myrtle Beach High School head baseball coach Tim Christy. "We are excited to partner with the Myrtle Beach Pelicans again this year to bring the excitement of live Pelicans baseball to the community," said WWMB CW21 general manager Billy Huggins.

Team and Opponent Stats

No matter what team LeBron James plays for, it’s a guaranteed sellout in the Smoothie King Center, with the future Hall of Famer ensuring a packed house as one of the NBA’s premier attractions. The Cavaliers will have a bit of a new look this season as they try to capture a fourth consecutive Eastern Conference championship, but Cleveland also returns several familiar faces. Included among the Cavs players who’ve been part of the franchise’s entire recent run of excellence are Kevin Love, Tristan Thompson and J.R.

If that wasn’t enough, the Warriors improved their already-lethal stable of perimeter shooters, signing Nick Young and Omri Casspi. On paper, a team that has averaged an absurd 69 wins over the past three regular seasons somehow got even better. The team's second-leading scorer, DeMarcus Cousins, suffered a season-ending Achilles tendon injury during his subsequent final game as a Pelican on January 26, 2018, and missed the remainder of the season. Despite losing Cousins, the Pelicans clinched their first playoff berth since 2015 with a win over the Los Angeles Clippers on April 9, 2018. They finished the season 48–34 to finish in second place in the Southwest Division. When asked about his struggles in playoff elimination games, Harden admits his results have been mixed — but says it’s not entirely on him.

Regular season

James Harden says he was at a “low point” after the Sixers were eliminated in last season’s playoffs by the Heat. Being traded twice in two seasons, dealing with significant injuries, and a couple of tough playoff losses left him “drained and deflated,” according to Yaron Weitzman of FoxSports.com. The Pelicans moved from Charlotte to New Orleans in 2002, and NBA basketball returned to the city for the first time since the New Orleans Jazz relocated to Utah at the end of the 1970s. The Pelicans originally kept their previous name, the Hornets, after they moved. The New Orleans Hornets made the playoffs in their first two years back in Louisiana.

The pair of challenging home tilts are part of a rough early-season stretch for New Orleans, which plays eight of its first 12 games overall away from Louisiana. Preparation for the Cleveland game Oct. 28 will be a bit condensed, because the Pelicans will play Oct. 26 at Sacramento in a late TNT game, then land at the local Kenner airport in the wee hours of the morning Oct. 27. Normally when a team experiences the Warriors’ level of recent success , roster attrition becomes an issue, because it’s often impossible to retain free agents at rising costs. That wasn’t the case for Golden State this summer, however, as it managed to bring back key reserves Andre Iguodala and Shaun Livingston, while re-signing recent league MVP winners Curry and Durant.

New Orleans Pelicans Tickets

With the No. 52 overall pick, the Pelicans selected Xavier point guard Edmond Sumner and traded him to the Indiana Pacers for cash considerations. A radio broadcast of all Pelicans games are streamed at MyrtleBeachPelicans.com/Broadcast, the MiLB First Pitch app and TuneIn, which is a free download on all mobile devices. MiLB.tv, a subscription-based service, still offers a video stream for all 70 home games and select road games. The Pelicans complete their home schedule on Sunday, August 27 vs. the Carolina Mudcats and wrap up the season with a seven-game road trip concluding in Zebulon, North Carolina against the Mudcats on September 4. The schedule is once again loaded with home games during the summer months with 18 in June, 14 in July and 13 in August. The schedule is great for Spring Breakers coming to Myrtle Beach with homestands April and April 25-27.

It was also the first playoff series sweep in franchise history, and the first time that a team seeded sixth or lower had swept a First Round series since the NBA had expanded the First Round to a best-of-seven series. Week 1 for the Pelicans consists of two games against perennial playoff teams, starting with an Oct. 18 game at Memphis . The opening week (based on the NBA’s new Monday-to-Sunday setup) will conclude Sunday, Oct. 22 at the Lakers, with the home game against Golden State sandwiched in between. This is the third consecutive year in which New Orleans was scheduled to face Golden State during the first four days of the regular season. When the Warriors and Pelicans square off in the second game of the regular season for both teams, half of the 2017 Western Conference All-Star squad will be in uniform . In other words, it’s difficult to find a game anywhere in the league that provides more star power than Golden State-New Orleans.

On June 21, 2017, however, the Pelicans acquired the Washington Wizards' second round pick (No. 52 overall) in exchange for guard Tim Frazier. As a result, the Pelicans entered draft night with two second round and no first round picks. On the night of the draft, the Pelicans traded away their second round pick (No. 40 overall) and cash considerations to the Charlotte Hornets in exchange for the Hornets' second round pick (No. 31 overall). With that pick, the Pelicans selected Duke point guard Frank Jackson.

The Pelicans clinched their first playoff berth since 2015. On February 2, 2018, Davis passed David West in points scored, giving him the all-time franchise high with 8,702. We have tools and resources that can help you use sports data.

Love and Thompson will have their hands full in the frontcourt while facing the Pelicans’ All-Star big-man duo of Anthony Davis and DeMarcus Cousins; it will be Cousins’ first game vs. Cleveland in a New Orleans uniform. The Raptors have fallen to after dropping Friday’s nail-biter to the Nets. According to Doug Smith of The Toronto Star, the team’s front office is displeased with the up-and-down start to the season, and are keeping a close eye on how players respond while evaluating the roster ahead of February’s trade deadline. - After televising seven games during Myrtle Beach's championship 2016 campaign, CW21 will broadcast every single Pelicans weekend home game throughout the 2017 season. On Saturday, April 15, when the Birds host the Lynchburg Hillcats in a rematch of the 2016 Mills Cup Championship Series. Crescent City basketball fans won’t have to wait long to see two of the NBA’s most star-studded teams play, with the Pelicans hosting Golden State (Oct. 20) and Cleveland in their first two home games.

Easy way to make Calzone at home Filled with Cheesy Toppings

Table of Content

• Chicken Pesto Calzone
• Bake at high heat.
• Homemade Mac and Cheese Casserole
• Yummy Pizza Inspired Recipes

Roll each dough ball into a 1/4-inch-thick circle after dividing the pizza dough into 4 equal pieces. The ingredients should be spread over one-half of the dough. The edges are folded and crimped. Dough Use either store-bought or canned pizza dough. With this recipe, either works nicely. The way they are sealed is the key distinction.

If the dough shrinks back and is difficult to roll, let it rest for 5 minutes and try again. Repeat with the remaining pieces of dough. These calzones are such a good make-ahead meal that I often make a double batch.

Chicken Pesto Calzone

But the different shape does call for different cooking methods. Here are the rules for making excellent calzones in your home kitchen. Hi Susan, you would use the full batch of pizza dough to make the calzones.

Divide dough into 6 equal parts. On lightly floured surface, roll each part into 7-inch round with floured rolling pin. On half of each dough round, place mozzarella cheese, salami, ricotta, basil and tomatoes to within 1 inch of edge. In a large mixing bowl, add goat cheese, mozzarella, chicken sausage, basil, mushrooms and olive oil-garlic mixture. In a small bowl, mix together chopped pepperoni and mozzarella. Spoon pizza sauce in a stripe down the center of dough lengthwise; add pepperoni and cheese filling.

Bake at high heat.

Swap the pizza sauce out for honey and barbecue sauce, and you’ve got a completely different dish on your hands. The second differentiator between calzones and pizzas is the cheese combo. Traditionally, pizza is a mozzarella-only zone, while calzone counts on ricotta, Parmesan and mozzarella. That said, the taste experience is pretty similar — though calzones give crust lovers everything they crave.

Make diagonal cuts 1 1/2 inches apart down each side, cutting within a 1/2 inch of the filling. Criss-cross strips over filling, sealing with water. Brush top with melted butter. Fillings I use a bit of pizza sauce and always serve with extra for dipping. The sky’s the limit for fillings.

Homemade Mac and Cheese Casserole

Fill each circle with 1/2 of the cheese and meat filling; fold dough over filling to make a semicircle. Press edges down with the tines of a fork to seal. Brush the top of each calzone with beaten egg and place on the prepared baking sheet.

In another small bowl, whisk together the sauteed onions and minced garlic. That said, why not customize? In case you’re in the market for a unique calzone that’ll tickle your taste buds and impress your dining mates, here are some ideas.

What is the Difference Between Calzones and Stromboli?

Leaving your covered dough in the fridge for a night or two will allow for a longer fermentation and more complexity. Did you possibly use an air fryer or convection baking? Those two methods would need adjustments. Also, some ovens run hot, so it may be that you need to remove it sooner.

Using a sharp knife, cut 2 to 3 steam vents on the top of each calzone. Arrange a rack in the lower third of the oven , and heat to 450°F. Line a baking sheet with parchment paper; set aside.

If you already follow me, you know I can’t get enough of easy meals that require simple ingredients. This recipe is no different. Trust me, you’re going to love this homemade calzone recipe. After the veggies and/or meats are cooked, mix them together with the cheeses and any seasonings you like.

The fillings are placed on one half of the circular shaped pizza dough. The dough is then folded over, pinched and sealed, coated with an egg wash or olive oil, and baked in the oven until golden brown. On a lightly floured surface, divide dough into four portions. Spread 1/4 cup sauce over half of each circle to within 1/2 in. Of edge; top with 1 tablespoon mozzarella cheese.

How To Make Butter Garlic Naan Watch Recipe Video

Table of Content

• What is garlic naan
• Do you like this recipe? pin it!
• Here’s How To Make Butter Candles From TikTok To Serve At Your Next Party
Indian Cuisine

11- Divide dough into 8 equal parts. Key ingredients for naan are, flour, yeast, yogurt and butter. Naan is a variant of bread and bread can not be made with out flour. I have used 75% of all purpose flour and 25% or whole wheat flour. I have used yeast for fermenting the dough so that it raises the flour.

When the dough doubles, punch it one to two times to deflate a bit. Grease your hands and divide the dough to 6 to 8 parts. Follow the rest of the recipe from – how to make naan.

What is garlic naan

If you do not have a tandoor, then roll the naan on the pan. Pour two teaspoons of water on the rolled naan and spread it all around. Lift the naan in your hand and put the naan on the hot tawa with the surface of the water towards the pan. When the naan is cooked on the griddle, bubbles will appear on the naan. Lifting the naan from the pan and holding it with tongs, while rotating it directly on the gas, roast it till brown spots appear. Put the naan on the top of the gas flame and bake the naan sticking on the pan till brown spots appear, after that take out the naan from the pan.

Phulkas and Chapattis are both breads made of wheat flour. After the dough has rested divide them into balls that are going to be rolled out in the shape of a tear. Then apply some oil to the palm and divide the dough into 5 equal sizes and rest them for another 15 mins. Now place naan dough in it and also apply some oil to it.

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I added around 3 to 4 tablespoons flour at this point. The dough will be sticky, so do not add more flour to make it dry. It just shouldn't be very sticky. 9- Cover the bowl with a kitchen towel and let the dough rise in a warm place for around 60 to 90 minutes. It just shouldn’t be very sticky.

Then, layer fig preserves and sliced figs on top. Finish with a drizzle of hot honey to add some spice. And you’ll have a butter board worth devouring the moment you serve it. This baklava-inspired butter board is more involved than most. But since it’s packed with flavor, it’s worth the extra effort. The first step in this recipe isn’t spreading butter on a plate.

Here’s How To Make Butter Candles From TikTok To Serve At Your Next Party

Authentic Rajasthani Dahi Gatta Curry is one of the most intriguing recipes from the Rajasthani Cuisine. It is served as a lunch or dinner. Team up this this succulent Dal, Bati & Churma to add to the flavours. Follow this Step-By-Step Guide to make this at Home.

This classic butter board started the TikTok trend—so it’s a great one to try first. Sprinkle flaky salt and lemon zest on top. Then, flavor the board with your favorite toppings. Justine Doiron (@justine_snacks) finished things off with fresh parsley, sliced onions, and a honey coriander drizzle. But don’t be afraid to put your own spin on the dish. Since most naan breads contain fiber from whole wheat, they are a healthier grain choice than white rice, which is devoid of fiber.

How to Make Butter Naan at home

Her unique style combines traditional techniques with modern flair, and her dishes are always delicious and beautiful. Chef Martha is passionate about sharing her knowledge and love of food with others, and she enjoys teaching cooking classes and writing cookbooks. She is also a regular contributor to several food magazines. Sieve the flour in a vessel and take it out. Make a little space in the middle of the flour, add curd, baking soda, salt, sugar and oil and mix everything well with your hands. Whenever paneer is made at home, it is not fun to eat roti, puri or parathas with it.

Divide the dough in medium-sized balls & apply oil. This was my first time ever trying to make my own Naan. I realized after starting I was out of yogurt so I substituted sour cream and they still turned out fantastic. My family has informed me I am never allowed to buy store bought again.

Like I mentioned, naan requires basic pantry ingredients. Keep an eye on naan on stove top. If not picked quickly, it can burn or will have too much char.

Zaynah (@zaynahsbakes) finished the board with a sprinkle of chili flakes, adding a delightful dose of spice to the dish. In the end, you should have a butter board that’s sweet, salty, and spicy all at once. Figs make an underrated addition to any charcuterie board. And this video from The Modern Nonna (@themodernnonna) proves they taste great on a butter board, too. Start with a creamy butter base topped with flaky salt and lemon zest.

We used to eat naan when we went to restaurants or at weddings. Sure we loved it but it was not a everyday bread. Exercise care while adding water. I'm glad you like these naan bread.

That’s how we know what the yeast is active. If the mixture isn’t bubbly and frothy, discard and start over again. If you want to use whole wheat flour, I would recommend using 50% whole wheat and 50% all purpose. This step by step recipe will guide you to make restaurant quality naan at home.

Goat Cheese and Butter Board

For foodies who are always in search of the most Insta-worthy dish, you’ll definitely want to make your own butter candle. With the holiday season in high gear, make some butter candles to light during your bestie get together. To make sure your prep is “smooth like butter,” here is a recipe for how to make butter candles from TikTok. Chef Martha Bradsteen is a master of cooking with over 12 years of experience. She has worked in some of the world’s most prestigious kitchens, and has won numerous awards for her culinary creations.

If it is cold where you live, pre-heat your oven to 100 F degrees and then turn it off. Then place your dough inside the oven (remember the oven should be off!). How I do is that I roll once lengthwise and then width wise. I don’t try to roll it like a paratha/tortilla/roti. Place the Naan with seeded side up on the heated tawa.

How to Get to the Home Screen on a Kindle

Table of Content

• How do I turn my iPhone off if my lock button is broken?
• Return home on Kindle devices and the Kindle app
• How to get the home button back in Edge
• How do I turn on my touch pointer on my iPhone?
• Where is my home button on Android?

Once enabled, you’ll see the AssistiveTouch icon on your screen, which you can use to click buttons and unlock your device. If you swipe down from the top of the screen, the Kindle will open a menu which doesn’t include an option to return to the home screen. To get to the home screen, you need to tap the top of the screen and then tap home or the back arrow.

And lastly, if your Home button isn’t working at all, you can try hard resetting your iPhone. To hard reset your iPhone, press and hold the Home button and the Power button simultaneously for around 10 seconds, until you see the Apple logo appear on the screen. Press and drag it around the screen to move it if it’s in your way. To leave the book you're reading on a Kindle Paperwhite, tap the top of the screen to open the menu. Tap the back arrow to return to the main menu, or select the Home button.

How do I turn my iPhone off if my lock button is broken?

Check out all AssistiveTouch features on Apple's website. This article explains how to turn on an onscreen Home button in the AssistiveTouch feature on iPhones running iOS versions 14 and older. To speak your search, or to tell your phone to do something, say "OK Google." You can also tap Assistant. On some phones, you can have more than one Home screen.

When you read a book in the Kindle app on your phone or tablet, the app displays in full-screen mode and there aren’t any visible navigation buttons. To access options like font size, get page numbers, or to return to the home screen, you need to tap in the middle of the page you’re currently reading. If you’re trying to get to the home screen on the Kindle app, but you don’t see a home button, that’s because all of the navigation buttons are hidden during normal operation. To access settings and navigation controls, you need to tap the middle of the screen. With that menu open, you can tap the down arrow or home icon depending on which version of the Kindle app you have. Additionally, if you would like to force reboot your iPhone, you can press and quickly release the volume up button, and then press and quickly release the volume down button.

Return home on Kindle devices and the Kindle app

Closing the cover of a case will also put the display to sleep. There are a few ways to get to the home menu on your Kindle depending on the type of Kindle you’re using, and the screen you’re currently on. If you’re on a screen with an X in the upper right corner, you can tap the X to close the current screen.

If you remove all of the AssistiveTouch buttons except the Home button, then it becomes a one-touch Home button that you drag around to any location on your screen. With AssistiveTouch on, a gray dot appears onscreen; tap this grey dot to access the Home button. When the recovery mode screen appears, release the Home button. Overall, unlocking an iPhone without the Home button is possible using AssistiveTouch, FaceID or TouchID, or a hard reset. This will reset your iPhone, allowing you to unlock it without the need for the Home button.

How to get the home button back in Edge

First, it could be a hardware issue, such as a broken or faulty display. If this is the case, you will need to have it serviced by a professional. Once the logo appears on the screen, you can let go of the buttons and your iPhone should restart.

Another option is to use an ‘unlock service’. These services can bypass the lock on your phone, which gives you access to the device without entering a PIN or password. To use one of these services, you will likely need to provide details about your phone, or even prove that you are the legally registered owner of the device. Sarah is a freelance writer and CNET How To blogger. Her main focus is Windows, but she also covers everything from mobile tech to video games to DIY hardware projects. She likes to press buttons and see what happens, so don't let her near any control panels.

How to Get to the Home Menu on Kindle From the Kindle Store

Rebooting can take a few minutes and is done with a command similar to reboot or shutdown -r -f. It’s also possible that the button has malfunctioned due to dust or water damage. If this is the case, you may need to replace the button hardware. Some manufacturers, such as Samsung and Sony, offer a range of motion controls to navigate the home screen. TheseControls are activated and used by ‘swiping’ the screen, or‘tapping’ it in different ways. Open up the Edge browser and click the ...

Switch this toggle to On, and you should see the home button appear on your toolbar immediately. To use AssistiveTouch, tap the button that hovers on the screen. It should pop out into a button overlay menu with several buttons, including Home. Tapping Home has the same effect as pressing the home button on the phone. Once you've enabled AssistiveTouch, a gray button will appear on your screen. Tap this button to open a menu of touch options, including the Home button.

Each email reveals new things you can do with your phone with easy-to-follow screenshots. Join the only free daily newsletter that reveals new things you can do with your iPhone in just a minute a day. Navigate to Settings, tap Display, and then tap Navigation bar.

Open the AssistiveTouch options using the instructions above. Home Entertainment Whether you want to build your own home theater or just learn more about TVs, displays, projectors, and more, we've got you covered.

How do I turn on my touch pointer on my iPhone?

Scroll down to the bottom of the Settings sidebar and click View advanced settings. You can find "Remove," "Uninstall," or both. "Remove" takes an app off your Home screen only.

Add apps, shortcuts & widgets to your Home screens Android Help

Table of Content

• Where is my Google home button?
• Go to Home screen
• Removing the Other AssistiveTouch Options
• Featured Articles
• How to Find a Lost iPhone, Even If It's Dead or Offline (Dec

Some older Kindles have a home icon resembling a house which can be found at the top left corner of the screen or even a physical home button. If you see a house icon on your Kindle, or a physical home button, you can use that to return to the home menu. Now you know how to get to the Home Screen on an iPhone 11, 12, or any other iPhone without a Home button. Like taking screenshots without a Home button, once you get this new gesture down, returning to the Home screen by swiping up will feel completely natural. We can also offer guidance on how to turn off an iPhone X or later, which is another big difference in using your device without an iPhone home button. Learn more about navigating an iPhone without a Home button here.

And lastly, if your Home button isn’t working at all, you can try hard resetting your iPhone. To hard reset your iPhone, press and hold the Home button and the Power button simultaneously for around 10 seconds, until you see the Apple logo appear on the screen. Press and drag it around the screen to move it if it’s in your way. To leave the book you're reading on a Kindle Paperwhite, tap the top of the screen to open the menu. Tap the back arrow to return to the main menu, or select the Home button.

Where is my Google home button?

Your Kindle may be frozen if you are unable to get to the home screen. Check to see if you are able to change pages or access the menu options. If you can’t, then you can force restart the Kindle by pressing and holding the power button for about 40 seconds. When the Kindle starts back up, it will return to the home screen. Restarting your iPhone also helps eliminate background apps, making sure your device is functioning optimally. It’s recommended to reboot an iPhone at least once a week to keep it running smoothly.

Touch and hold the app, then lift your finger. If the app has shortcuts, you'll get a list. Jeremy Laukkonen is automotive and tech writer for numerous major trade publications. When not researching and testing computers, game consoles or smartphones, he stays up-to-date on the myriad complex systems that power battery electric vehicles . Did you just upgrade your iPhone to a new model with no Home button?

Go to Home screen

Keep holding the Home button until you see the Apple logo or a recovery mode screen. If not, it’s best to take your device to a repair specialist who can diagnose the underlying issue and make the necessary repairs. If the button is still stuck, you may need to clean the area around the button with an electronic cleaning solution or compressed air. Receive expert tips on using phones, computers, smart home gear and more.

You should then select the Shut Down option from the list of options. This will bring up a confirmation screen with a slider to turn off the device. Finally, you could try a ‘hard reset’ of your device. This will erase all the data on your device, so should only be done as a last resort. It is usually a combination of buttons that you press, which will reset the phone back to its factory settings. At the top of the Advanced settings menu, you'll see a toggle for Show the home button.

Removing the Other AssistiveTouch Options

Here's how to get to the Home Screen without a Home button. Navigating back to the Home screen on your iPhone no longer requires a Home button. We’ll show you how to get to the Home screen with one quick swipe. Press the More menu, denoted by three dots located in the upper right corner of the browser window.

Each email reveals new things you can do with your phone with easy-to-follow screenshots. Join the only free daily newsletter that reveals new things you can do with your iPhone in just a minute a day. Navigate to Settings, tap Display, and then tap Navigation bar.

If there is a temporary glitch in your system leading the home and back button not working android, force restarting your device should fix it for you. Press and hold down the Power button on your device for a few seconds. Learn how to use your Android device and get the most out of Google. Get step-by-step guides and instructional videos on how to set up your phone, customize your settings, and use apps. Slide to power off your device, then press and hold the Sleep/Wake button again until the Apple logo appears.

This process can take as little as a few seconds and can be done with a simple command (like restart or shutdown -r). On the other hand, a reboot is a more extreme measure which involves the hardware components being completely powered down and up again. Restarting your iPhone on a regular basis may help fix minor software issues and speed up your device’s performance. In addition, it can help your device stay up to date with the latest version of iOS. Once your iPhone has been successfully restored, the display should appear with the normal home screen and lock screen. If you are unable to force restart your iPhone, there are a few other options you may try.

How do I turn on the floating home button on my iPad?

Swipe right or left to move between them. Some of these steps work only on Android 10 and up. Learn how to check your Android version. Apple has some great widgets to choose from. Not all of them will have amazing selfies by me in them.

It's not the same experience, but it can still be helpful all the same. At the bottom of your screen, you'll find a row of favorite apps. 's home screen, providing information at a glance or giving instant access to a variety of tasks, without having to fire up the app every time. These helpful squares can be used in a wide variety of helpful ways, or can simply help make your home screen more personal. This result in a clean system startup and is sometimes necessary after installing a new driver or application.

Featured Articles

If your battery is near depletion or needs to be replaced, it could cause your phone to be stuck on a black screen. You can try plugging it into a charger to see if this helps. Lastly, it could be a problem with the physical connection between the display and the rest of the phone. If none of the steps worked and your iPhone still has a black screen of death, then it is likely due to a hardware issue and you will need to contact a technician for help. If this doesn’t work, then you can try a longer press of the volume-up or volume-down buttons while connected to the charger. The first step is to open up the Settings menu and scroll down until you reach the General section.

Closing the cover of a case will also put the display to sleep. There are a few ways to get to the home menu on your Kindle depending on the type of Kindle you’re using, and the screen you’re currently on. If you’re on a screen with an X in the upper right corner, you can tap the X to close the current screen.

If you only want to see the home button and want to get rid of the rest of the options, tap the minus sign until it only shows one icon. To add the home button on-screen, turn on AssistiveTouch in your iPhone's Accessibility settings. You may want to get a virtual home button on-screen on your iPhone, as recent models have done away with the physical button. Alternatively, you can tap the - button to remove any menu button you don't want to use. Don't worry if you accidentally delete the Home button. After removing all the controls you don't want, you can edit one of the remaining buttons to be the Home button again.

Apple eliminated the Home button to accommodate larger screens without having to increase the size of the iPhone. Since there are multiple ways to access the Home screen, Apple decided that a physical button was superfluous. If your phone is still under warranty or you have AppleCare, take your phone to an Apple Store. If you don't have a warranty or AppleCare, find a reputable phone repair shop. In the meantime, use the AssistiveTouch on-screen Home button.

Log Home Products Log Siding, Log Cabin Siding Knotty Pine Paneling

Table of Content

• Zacks Research is Reported On:
• Turn Bland Basement Walls Into a Log Cabin
• Schedule a free estimate at your home today
• More Reviews

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Zacks Research is Reported On:

Rather than focusing on anything else, we at Zacks prioritize evaluating the change in a company's earnings projection. This is because we believe the fair value for its stock is determined by the present value of its future stream of earnings. With Trex decking, railing and other outdoor living products, our customers create spaces where they can truly escape from the everyday, every day. Than fiber cement siding, vinyl siding, or composite alternatives because they can be easily repainted. James Hardie siding is made to replicate wood lap boards and shingles. James Hardie siding comes in many colors and is accompanied by a 15-year warranty on the color finish.

This allows us to diversify our product lines so we can offer each customer their own unique design that best suits their specific needs. For the next fiscal year, the consensus earnings estimate of $17.03 indicates a change of +2.4% from what Home Depot is expected to report a year ago. Our analysis is essentially based on how sell-side analysts covering the stock are revising their earnings estimates to take the latest business trends into account. When earnings estimates for a company go up, the fair value for its stock goes up as well.

Turn Bland Basement Walls Into a Log Cabin

All of our log paneling is tongue and groove all the way around the boards for a zero-waste installation. Skyline Woods end-match system is our unique tongue-and-groove design on the ends of all our exterior and interior wood siding. You will not need to butt end matched wood paneling or siding on a stud. This gives us the ability to show the customer different manufacturers of the same product and the differences between the products. This allows us to pinpoint the best product for each customer's needs.

So, it might be a good idea to review some of the factors that might affect the near-term performance of the stock. You are being directed to ZacksTrade, a division of LBMZ Securities and licensed broker-dealer. The web link between the two companies is not a solicitation or offer to invest in a particular security or type of security. ZacksTrade does not endorse or adopt any particular investment strategy, any analyst opinion/rating/report or any approach to evaluating indiv idual securities. Timber Country Cabinetry offers hand crafted, custom built kitchens and baths made to your specifications.

Schedule a free estimate at your home today

Dedicated to quality and customer satisfaction, Home Siding provides its customers with the most reliable products and trained installers that are fully insured and covered for the homeowner’s protection. With access to some of the most trusted suppliers in Canada offers customers a wide diversity of products, styles, and colours in order to give each person the unique look they want without worrying about compromising on quality. Marie can be found at Home Siding where we have access to the most respected suppliers in Canada.

We won't just tell you our product is the best; we will show you why it is the best. Because we deal with so many different suppliers, if you can't find it here, you won't find it anywhere! The unique design of ROSS Window and Door Systems will not only enhance the architecture and design of your home but satisfy your taste for aesthetics, ease of operation and virtually maintenance free windows year after year. Our wide range of siding and specialty products include Prestige Trucolor No Fade vinyl siding.

These returns cover a period from January 1, 1988 through September 12, 2022. Zacks Rank stock-rating system returns are computed monthly based on the beginning of the month and end of the month Zacks Rank stock prices plus any dividends received during that particular month. A simple, equally-weighted average return of all Zacks Rank stocks is calculated to determine the monthly return.

A complex algorithm which considers a company's review ratings, responsiveness, reputation, and recency. Our experts picked 7 Zacks Rank #1 Strong Buy stocks with the best chance to skyrocket within the next days. Compared to the Zacks Consensus Estimate of $37.93 billion, the reported revenues represent a surprise of +2.48%. We remain committed to our mission is to enhance the lives of people by engineering what’s next in outdoor living.

Enjoy the warmth of wood on the exterior with our log cabin siding and exterior wood paneling options, or in every room with our log home interior products. Choose from Pine or Cedar tongue-and-groove paneling for walls, ceilings, and floors. Our custom wood siding is available either unfinished or prefinished with Sikkens or Perma-Chink stains. In addition to exterior and interior wood siding, we also offer hand-hewn logs available for decorative rafters and lodge poles or structural log porch and rafter systems.

Its fiber cement composition is fire-resistant, able to withstand severe storms without damage. BBB Business Profiles generally cover a three-year reporting period. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile. Take a look at some of the residential exterior renovations we've completed. Recent stocks from this report have soared up to +178.7% in 3 months - this month's picks could be even better. Free Report) is one of the stocks most watched by Zacks.com visitors lately.

Stocks to Gain Big If Crypto Rebounds

The monthly returns are then compounded to arrive at the annual return. Only Zacks Rank stocks included in Zacks hypothetical portfolios at the beginning of each month are included in the return calculations. Certain Zacks Rank stocks for which no month-end price was available, pricing information was not collected, or for certain other reasons have been excluded from these return calculations. In the case of Home Depot, the consensus sales estimate of $35.97 billion for the current quarter points to a year-over-year change of +0.7%. The $157.45 billion and $159.36 billion estimates for the current and next fiscal years indicate changes of +4.2% and +1.2%, respectively. Is the leader in Residential Siding / Trim Installation on Long Island.

We also stock 15 colors of vinyl siding along with the trims and specialty accessories to give the customer the appearance they are looking for. Home Siding Shop also carries aluminum products such as soffit, fascia, and flat stock in various colors to suit our customer's needs. The size of the recent change in the consensus estimate, along with three other factors related to earnings estimates, has resulted in a Zacks Rank #3 for Home Depot. Home Siding Shop is a locally owned and operated family business that has been servicing Sault Ste. Marie and the surrounding area for 20 years with its exterior home improvement needs.

Home Office Deductions: The Easy Way & The Hard Way Garden State Trust Company

Table of Content

• Safe-Harbor Home Office Deduction Is It Better For You?
• Get Clients Ready for Tax Season
• Simplified Option for Home Office Deduction
• Safe-Harbor Home Office Deduction: Is It Better For You?
• Home Office Deduction Requirements

There are two options for taking your home office deduction -- the simplified method, and the standard method. Though the latter is more complicated to calculate, it tends to be the more lucrative of the two. First, you must have a dedicated space in your home used solely for business purposes. Though it doesn't need to be a separate room per se, the space you claim as your home office can't serve another function. As an example, if you're a writer and tend to set up shop in your dining room to do your work, you can't take the deduction -- even if you work there almost every day and only use the room for dining purposes once or twice a week.

Approval and loan amount based on expected refund amount, eligibility criteria, and underwriting. If approved, funds will be loaded on a prepaid card and the loan amount will be deducted from your tax refund, reducing the amount paid directly to you. Tax returns may be e-filed without applying for this loan. Fees for other optional products or product features may apply.

Safe-Harbor Home Office Deduction Is It Better For You?

Furthermore, any excess deduction cannot be carried from a previous tax year in which actual expenses was used to a tax year in which the safe harbor provision is chosen. However, the excess deduction resulting from calculating actual expenses can be carried forward to a year in which actual expenses are used again. Under the actual-expense method, taxpayers first must determine the percentage of their home that is used for business.

In a Revenue Procedure, IRS has provided a safe harbor method under which individuals may use one or more cost indexes to determine the amount of loss to their homes as a result of Hurricane and Tropical Storm Harvey, Hurricane Irma and Hurricane Maria . Transferring funds from another bank account to your Emerald Card may not be available to all cardholders and other terms and conditions apply. There are limits on the total amount you can transfer and how often you can request transfers. Pathward does not charge a fee for this service; please see your bank for details on its fees. There is a simplified way to take a home office expense for a portion of your home. This ‘safe-harbor’ option greatly simplifies how to record valid expenses for business use of your home.

Get Clients Ready for Tax Season

All these changes mean practitioners and taxpayers would do well to refamiliarize themselves with the rules that apply to home office deductions. No depreciation is allowed for the years in which the safe harbor is elected. This may make this method more attractive for taxpayers who do not plan to stay in their homes a long time because they will then avoid the depreciation recapture that is required of taxpayers who took depreciation on their personal residences. However, if a person uses one home office for numerous business activities, each activity must meet the requirements under Sec. 280A, or they will all be disqualified (id.). When using the regular method, the income limitation takes into account home interest, taxes, and other expenses before allowing the depreciation portion of the deduction. That is not true for the safe-harbor method as the interest, taxes, and other business-use-area expenses are not considered.

Faster access to funds is based on comparison of traditional banking policies for check deposits versus electronic direct deposit. Enrolled Agents do not provide legal representation; signed Power of Attorney required. Donating household goods to your favorite charity? Learn the ins and outs of deducting noncash charitable contributions on your taxes with the experts at H&R Block. Go through your life events checklist and see how each can affect your tax return with the experts at H&R Block. You conduct administrative or management activities at places that aren’t fixed locations of the business, like in a car or a hotel room.

Simplified Option for Home Office Deduction

The new business use of home safe harbor option has revolutionized the much maligned home office deduction. I am sure that many of you were like me when I start my small business, scared to death of the IRS. Currently, I run my CPA / Virtual CFO firm out of my home office so this is an essential deduction.

For employees, home office expenses are a miscellaneous itemized deduction. For 2017, this means you’ll enjoy a tax benefit only if these expenses plus your other miscellaneous itemized expenses (such as unreimbursed work-related travel, certain professional fees and investment expenses) exceed 2% of your adjusted gross income. The Safe Harbor home office deduction is $5/sq.ft. For up to 300 square feet with a maximum deduction of $1,500 per year. The deduction for the home office is not allowed if your business incurs a tax loss for the year, and it is not allowed to roll over to the next year.

Safe-Harbor Home Office Deduction: Is It Better For You?

If, for example, you have a 100-square-foot office and you claim that it takes up 250 square feet of space, you could get in trouble if the IRS chooses to look more closely. Similarly, while you're allowed to claim a percentage of home repairs you make during the year, be careful about claiming home improvements that aren't made directly to your office. However, the safe harbor method does have a downside; in the potential for lost deductions. Since the taxpayer elects to take a flat rate deduction, any expenses in addition to taxes and interest that could have been included are not permitted. The safe harbor method is also subject to the business income limitation and any excess is not permitted to be carried forward. Depreciation of the business portion of the home is also disallowed under the new method.

Under the safe harbor method, a taxpayer is allowed to take a $5 per square foot deduction for the home office, up to a maximum 300 square feet. This results in a maximum deduction of $1,500 and allows the taxpayer to fully deduct their mortgage interest and property taxes on their schedule A. Individual taxpayers who elect this method can deduct an amount determined by multiplying the allowable square footage by $5. The allowable square footage is the portion of the house used in a qualified business use, but not to exceed 300 square feet.

This safe harbor method will not affect any deductions available to the homeowner even if no part of the home was used for a business, such as deductions for the qualified residence interest, property taxes, and casualty losses. However, using actual expenses allows the apportionment of these deductions between business use and regular use. The business-use deduction will decrease self-employment taxes and marginal taxes, even if the itemized deductions do not exceed the standard deduction.

The IRS recently announced a safe-harbor method that will make it easier for taxpayers who choose the safe harbor to take the deduction, so practitioners may see an increase in clients who want to take the deduction. However, the basic qualification rules have not changed, so an understanding of them is still important. Employees with a home office who receive qualified business use of the home advances, allowances, or reimbursements from his/her employer is not eligible for the safe harbor method. You must use the home office as a main place of business, such as where you meet with clients or customers in the normal course of your business day. The exclusive-use work area must be an identifiable space and should not be combined with personal-use space . If you are an employee, there is an additional requirement that the business use must be for the convenience of your employer and you must not rent the space to your employer.

IRS explains PATH Act changes to expensing and bonus and Indian property depreciation

The amount of the safe harbor deduction cannot exceed the income earned by the business minus any business deductions that are unrelated to the qualified business use of the home, which is the same rule that applies to the regular home office deduction. In other words, the deduction cannot exceed net income from the business. Moreover, any excess deduction over net income cannot be carried forward to another tax year — it is lost forever.

Home office write-offsare complex, but beneficial as they are another way to deduct from your total taxable income. Many taxpayers are leery of the home office deduction due to confusion, but it is a potentially significant deduction – especially for self-employed individuals and small business owners who are looking for ways to reduce their overall tax burden. • Square Feet Maximum – Never use more than 300 square feet for any month, even if the taxpayer has multiple businesses.

Safe Harbor for Home Offices

Table of Content

• Claiming the deduction
• Highlights of the simplified option:
• Home Office Deduction Requirements
• No matter how you file, Block has your back
• Hurricane Relief: IRS provides safe harbor for determining casualty loss to a home
• Professional tax software for tax preparers and accountants

It does, however, mean that a good part of your business must be conducted out of your office, and that your office must serve as a centralized location for your business activities. Say you're a marketing consultant who works from home but travels to meet with clients a few times a week. You can take a deduction because your home office still qualifies as your principal place of business. You have no other fixed location where you conduct substantial administrative or management activities.

Home office write-offsare complex, but beneficial as they are another way to deduct from your total taxable income. Many taxpayers are leery of the home office deduction due to confusion, but it is a potentially significant deduction – especially for self-employed individuals and small business owners who are looking for ways to reduce their overall tax burden. • Square Feet Maximum – Never use more than 300 square feet for any month, even if the taxpayer has multiple businesses.

Claiming the deduction

Garden State offers a variety of trust administration and investment services to help you plan for your family’s future. Garden State Trust Company is a trust service office of Midwest Trust Company, a Kansas non-depository trust company regulated and examined by the Office of the State Banking Commissioner of Kansas. The aggregate value of the deductions claimed has dipped, falling from nearly $11 billion in 2010 to $9.5 billion in 2014 .

Personal state programs are $39.95 each (state e-file available for $19.95). Most personal state programs available in January; release dates vary by state. From retirement account contributions to self-employment expenses, learn more about the five most common tax deductions with the experts at H&R Block. The IRS estimates 3.4 million taxpayers used 1.6 million hours to calculate the home office deduction’s old format to allocate their home office use. It is not impossible to establish that the home office is for the employer’s, not the employee’s, convenience, but it is difficult.

Highlights of the simplified option:

(Code Sec. 165) For personal-use property (such as a taxpayer’s personal residence and household appliances), Code Sec. 165 limits an individual’s deduction to losses arising from fire, storm, shipwreck, or other casualty, or from theft. The digital age means more and more people are working from home offices for employers and for themselves. Recent advances in technology enable many people to set up home offices with very little trouble, as access to high-speed internet and virtual networks from the home increases. Environmental concerns will add to employers’ and employees’ wish to permit telecommuting to expand. And, unfortunately, during the recession, the number of underemployed or unemployed people increased, and, as the economy recovers, more of them may want to start businesses in their homes.

Just be sure not to bend the rules or you could get in trouble with the IRS. Founded in 1993 by brothers Tom and David Gardner, The Motley Fool helps millions of people attain financial freedom through our website, podcasts, books, newspaper column, radio show, and premium investing services. If you’re an employee, your use of your home office must be for your employer’s convenience, not just your own. If you’re self-employed, generally your home office must be your principal place of business, though there are exceptions. Since 1938, Zinner has counseled individuals and businesses from start-up to succession.

Home Office Deduction Requirements

Deduction Limited by Business Income – As is the case with the regular method, under the safe-harbor method the home office deduction is limited by the business income. For the safe harbor, the deduction cannot exceed the gross income derived from the qualified business use of the home for the taxable year reduced by the business deductions . However, unlike the regular method, any amount in excess of this gross income limitation is disallowed and may not be carried over and claimed as a deduction in any other taxable year. Because the home office deduction is fairly easy to manipulate, the IRS tends to monitor it closely -- which means that if you use it to pull a fast one on your tax return, there's a good chance you'll get caught. The things you need to be the most careful about are exaggerating your office's square footage and claiming illegitimate expenses.

With nearly40 percentof the American workforce telecommuting, many people wonder about the potential benefit of home office tax deductions, but may lose out on a potentially substantial tax break. Like many other types of write offs, the home office tax deduction comes with multiple rules and best practices. If the home office was not used exclusively for business during the entire year, then the deduction is reduced by a percentage, equal to the number of months for which the home office was qualified divided by 12, the number of months of the year. A month can only be counted if there was at least 15 days of qualified use during the month. Multiple Businesses – Where there are multiple businesses, only one method may be used for the year—either the regular or safe harbor. Additional Office Expenses – Additional office expenses such as utilities, insurance, office maintenance, etc., are not allowed when the safe-harbor method is used.

No matter how you file, Block has your back

Most of the reduction in deductions occurred in 2013 and 2014, suggesting that there was, in fact, a significant shift to the easier way of claiming the home office deduction. The deduction for the home office may not exceed the net income of the business. The office must be used regularly and exclusively for business. To avoid the necessity of detailed recordkeeping, a new “safe harbor” deduction was created for home offices. None of this should be taken to mean that you need to worry about claiming a home office deduction. Just make sure you limit your deduction to legitimate expenditures and keep a record of every expense you claim.

This means if you receive a paycheck from an employer, you cannot deduct an expense for working in a designated part of your home. If you have an office outside the home but are now required to work from home due to the pandemic, the pandemic is NOT considered a hardship reason for a Home Office deduction according to IRS regulations. Provides complete details of this safe harbor method. You may choose to use either the simplified method or the regular method for any taxable year.

All these changes mean practitioners and taxpayers would do well to refamiliarize themselves with the rules that apply to home office deductions. No depreciation is allowed for the years in which the safe harbor is elected. This may make this method more attractive for taxpayers who do not plan to stay in their homes a long time because they will then avoid the depreciation recapture that is required of taxpayers who took depreciation on their personal residences. However, if a person uses one home office for numerous business activities, each activity must meet the requirements under Sec. 280A, or they will all be disqualified (id.). When using the regular method, the income limitation takes into account home interest, taxes, and other expenses before allowing the depreciation portion of the deduction. That is not true for the safe-harbor method as the interest, taxes, and other business-use-area expenses are not considered.

The new business use of home safe harbor option has revolutionized the much maligned home office deduction. I am sure that many of you were like me when I start my small business, scared to death of the IRS. Currently, I run my CPA / Virtual CFO firm out of my home office so this is an essential deduction.

Hurricane Relief: IRS provides safe harbor for determining casualty loss to a home

If the home office safe harbor deduction option is chosen then there are depreciation limitations. Generally, the taxpayer can’t deduct any depreciation or Section 179 expense for the portion of the home that is used as a qualified home office for that year. If in a future year you decide to not use the safe harbor method then you must calculate the depreciation deduction allowable for that year. The depreciation is computed for that year would be figured by multiplying the remaining adjusted depreciable basis of the home by the annual depreciation rate for that year. However, if you choose to do such a thing please consult your CPA or do some additional research.

If the IRS reviews these returns in the future it hopes to save a tremendous amount of time and effort used in prior years to confirm the accuracy of the old home office allocation. In recent years the number of people working from home has increased dramatically, especially for employees. Try our solution finder tool for a tailored set of products and services. Bank products and services are offered by Pathward, N.A.

Free Worry-Free Audit Support is available only for clients who purchase and use H&R Block desktop software solutions to prepare and successfully file their 2022 individual income tax return . It does not provide for reimbursement of any taxes, penalties, or interest imposed by taxing authorities and does not include legal representation. Additional terms and restrictions apply; See Guarantees for complete details. The safe harbor choice would be better than using the regular method of calculating the home office deduction if the business-use area is small compared to the total square footage of the house. If you use the simplified method for one year and use the regular method for any subsequent year, you must calculate the depreciation deduction for the subsequent year using the appropriate optional depreciation table. This is true regardless of whether you used an optional depreciation table for the first year the property was used in business.