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The new IRS W-4 form should fix some of last year’s issues with employers withholding too much—or too little—income tax from their employees, but it comes with questions some of the employees are sure to find overly intrusive or confusing.At the time of hiring an employee, employers ask them for a lot of personal information but something which they would never ask them is, How much does their spouse make? or How much do they make from their side hustle? Cause things like these are something which one would never like to share with other people, especially their present employer.You may never have considered asking your employees about any of this either, but the IRS is about to make you start doing it, because the agency has just issued a new W-4 form that both new and existing employees should fill out, if they want their withholding amounts to account for the new tax law.For eg, on page 4, there’s a chart employees are supposed to use if they have more than one job or if they’re married to someone who has a job and the duo files their returns jointly. For this, the employee needs to pick a withholding number based on their combined salary. Experts suggest, using the IRS Tax Withholding Estimator for it as it has been found more accurate.Employees who don't want to share this information, even indirectly, have a few options though:They can simply choose not to fill out the form, or fill out only their name, address, filing status, and Social Security Number and then provide their signatures at the bottom. The drawback is, that this will lead to a withholding amount that may not be right for that employee.Or, if an employee and spouse have no more than two jobs between them, the employee can simply check a box. However, the IRS warns, if the two jobs don't have roughly similar salaries, this could lead to too much tax being withheld. This part here seemed a little confusing to me too.For the employees, The IRS has a helpful FAQ, that might help them with many of their queries while for the employers, The American Payroll Association, has drafted a lengthy sample letter, that they can adapt and send to the employees.Moreover, no employee is obligated to complete the form. Even new hires are not legally required to do so, although they may wind up with higher withholding than they wish. The IRS and Tax Experts though, recommend, that all employees use the estimator once a year at least to make sure they're having the right amount withheld.For latest trends of The IRS and recent updates of the accounting world, you can also subscribe to our blog.

You stop thinking of all the roadblocks and start hunting for opportunity.The original question was, "What are ways to start a business without having money?"Now the question is, "How do I start a business from scratch with no money, no credit and no expert friends to help?"As people suggest ideas, I suspect the question in your head will become, "Sure, I could do all that, but how do I start a business without <all those things either>".Successful business owners often just start. They don't think about all the stuff that will get in their way. Entrepreneurs tend to be stubborn, impulsive, doers. They do first, then figure things out, and repeat often.Clueless on My First TryThe first business I tried was a real estate company.I'd never started a business.Never bought property before.Had a real estate license that the ink hadn't even dried on yet (I took the classes because I wanted to learn more about property maybe to buy some, not sell some).Hadn't ever talked to real estate agents before my real estate class.I just got tired of my good paying job as a manager of a small software development group and quit. I had to do something and I figured I'd have a go at selling houses for a living.So I found a real estate sales trainer, spent a few hundred bucks on a week long class, and I did what they told me to.I made a list of everyone I knew (one of your greatest resources are the people you know).I wrote them all a letter and said, "I'm selling real estate now. If you know of anyone I should talk to, let me know."I called them all personally to chat.Sure enough, I started selling houses and was in the top few percent in sales volume within a year.Then I started hiring people, first an assistant, then buyer's agents. I had no idea how to hire people or do payroll so sought out accountants, interviewed a bunch, asked a lot of questions, read books, took a class, and figured it out.Less Clueless on My Second TryI got tired of selling houses for a living after around 6 years, and spent the little money I made from selling a tiny, few person real estate company living on the beach for 6 months.Then a friend of mine, a brilliant programmer, calls me up and says, "I'm bored at work." So I say, "No shit? I don't even have a job. How about you buy a one way ticket out here, we live on a sailboat for a week, and start a company together?" So he says, "Why not." So then together we say, "What kind of business should we start?" And he says, "How about web design?" And then I say, "I've never build a website. Sounds like fun."That was 7 years ago when we started Dolphin Micro. To get that one off the ground:I bought books on HTML, CSS, Javascript, MySQL, and PHP for dummies, read them all, and built all the sample projects 8 hours a day for weeks on end.My new partner and I both made lists of everyone we knew, sent a letter, called them, and sure enough, found clients almost right away.We started with $1500 projects for friends and grew the company to 22 people and $1.7M in annual revenue doing projects projects as big as $800k for companies like AT&T, Hess Oil, Dupont, and Wired Magazine.Neither company would have gotten off the ground had I made lists of all the things I didn't have. They started because I made lists of all the things I did have and figured out how to use those resources to build a business.If you really want to start a company, look for opportunity and take action, lots of action. Starting a company is dangerous. Thing will constantly go wrong, it won't always be fun, and you might not succeed. You will, however, learn a lot about business, finance, people, and yourself along the way, and you might even make a little money too :-)

Happens all the time. The final line of defense —believe it or not— is the department supervisor and the stocker, so it’s actually a failure of the store’s merchandising team less than the buyer (stick a pin in that, we’ll come back to it). Kohl’s is arguably just as liberal as Target. The thing is, there isn’t some graphic t-shirt vetting committee. There are buyers and assistant buyers. They sit in offices and they each have personalities. Those personalities come with all sorts of oddly calibrated values on what is appropriate and funny. They are also very, very busy people who cannot see every product that floats into the stores.When I was at Kohl’s we had to “tour” stores and listen to merchandising managers blather on and on about their department (struggles, successes, feedback, etc. — hint, everybody bitches about payroll). As we were walking through the Young Men’s department, the department manager held up a shirt with a squirrel grabbing a bunch of acorns with the words, “Get your hands off my nuts!”Funny? Meh. Ribald to be sure. It pushed the envelop just a touch for Kohl’s standards. So the shirt was pulled from the floor and a message was sent to the VP of some merchandising division and the memo went out to the entire company within a few hours to pull the shirts and send them back.It happens because a store like Kohl’s has 80,000 SKUs (Stock Keeping Units; IOW: different products). Target probably has >150,000 SKUs. Walmart can be as high as 250,00 SKUs. To examine the details of every product would mean hiring way too many people. The buying teams are broken up by department then product type. A Juniors (see: young ladies, teenage girls) Department buyer not only has to stay on top of what they have in stock, but perpetually has their eyes on products a full 18 months ahead of time.Major retailers not only have to vet a product —in this case, graphic t-shirts— but they also have to be mindful of finding the best vendors to sell things at the best prices. Some products, like Levis, come from Levis and Levis sets the price. Target might say, “If we by fifty kajillion more, can we have a 5% price reduction?” But in the case of graphic t-shirts, Target is basically doing that “in house”.But “in house” really isn’t “in house”. They’re not weaving the fabric in the stockroom and silk-screening them on the floor. The buyer has to reach out to their design office, get the design office to vet suppliers in China (they’re almost all in China). That supplier sends back product samples and so on and so on. They’re so caught up in doing that, that they really don’t read all the details.Inevitably, when people who speak another language are vetting the appropriateness of a shirt, their values come into play. Go to Asia and you can see a lot of English language shirts with statements that maybe wouldn’t fly in the US. But who cares? I can put Kanji / Japanese lettering on a shirt saying, “You’re mother is a fat whore who should be tossed into a blazing furnace” and 99.995% of Americans wouldn’t know or care.† So when a shirt like that is made, it’s not like the supplier is saying, “Oh we should double think this.” They don’t.So either the buyer doesn’t have the pulse of the nation, didn’t bother reading it or —just as possible— the graphic t-shirt supplier simply sent them in and they were unpacked and put on the floor. A lot of mass-ordered things with snarky sayings are bought in bulk and the supplier has way too much say in what is shipped. It’s not like there are QC people sitting at the Port of Los Angeles, opening shipping containers, pulling boxes off CHEP pallets making sure that only the finest snark makes it to the Target shelves. No matter what, a good merchandising team is suppose to catch this. Most places I worked, we trained them to be focused on products that had the potential to push the limits; top of that list is always graphic t-shirts. Someone should retrain the morning team who puts that stuff out.†Go ahead, get that tattoo on your chest! “But I thought it meant, ‘Spirit of the Tiger Dragon’!”