smsn's Profile

Farmers Insurance Agent in Sunnyvale, CA

As your local Farmers® agent in Sunnyvale, CA, I, along with my staff, help customers like you identify the insurance coverage that best fits your needs. This process is straightforward and personalized to help make you smarter about insurance. We have the knowledge and experience to help you better understand your coverage options--whether that's auto, home, renters, life, business insurance and more.

Give me a call at (650) 409-8999 and I'll be happy to answer any questions you might have.
Languages Spoken: Chinese, Mandarin, and English
Years of Experience

I have over 4 years of experience as a Farmers Insurance agent.
Education

MA, Financial Analysis, University of San Francisco
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Qualification of the staff at Farmers insurance agency is perfect

As a Farmers insurance agency owner, I along with my staffs have gone through a rigorous training program at the University of Farmers to ensure that We are qualified to provide you information on our insurance products: Auto/Car, Home (homeowners), Commercial/Business, Renters, Life, Health and more. In addition, we can help international student and travelers to set up health care insurance provided by several leading Health Plan carriers.
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officespacesonrent are into commercial rent of office spaces in Mumbai. A well known real-estate company which providing office spaces on lease in Mumbai in different various locations – such as Andheri east, BKC, Lower Parel, Narimnpoint, Bandra, Khar Santacruz etc. Find fully furnished options for leasing of office spaces.
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Learn how my unusual right knee joint pain affected my life and how I was able to stop the pain quickly and keep it away.

My crazy story of my right knee joint pain and how i was able to cure it quickly and kept it from coming back.
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The Yoga Retreat

We are located in the Northwest of Koh Phangan, Thailand. We offer the best facilities for your yoga practices and help you lead a healthy and balanced life. We offer exclusive 6 to 30-day yoga retreats, Hatha flow, Ashtanga Mysore and Yin Yoga for our students. We also have vegan, veggie, raw restaurant and 3 to 14-day detox packages for our customers.

Our Yoga Retreat, nestled in the jungle, provides a natural healing and nurturing environment which equips you with the right tools to practice yoga and maintain a healthy life. The retreat is a 10-minute walk from Haad Salad beach. The more detailed directions are given in the end.

As we believe in self-healing, we guide our students and offer them tools to become self-aware and cause their own positive physical, mental and spiritual transformation. This change in themselves helps pave the way for a balanced and controlled life. We focus on Alignment, breathing techniques (Pranayama), Yoga (asana), mind control techniques (meditation), chanting (mantra) and energetic locks (bandhas). Our Yoga Retreat can serve as a serene tropical holiday for beginners as well as professional Yoga teachers.

Customized Yoga Packages
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Yoga Thailand

The Yoga Retreat Center Thailand is situated amidst beautiful trees and vegetation just a stone throw away from Haad Salad beach. We provide you with the nurturing environment that would enhance your yoga practices for better living.
We advocate the philosophy of self-healing, which stipulates that students are their own best teachers. Hence, we provide you with the environment, tools, and resources that would deepen your personal awareness. Our services are meant for beginners, professional yoga teachers, and every other person searching for the best place to relax during a tropical holiday or hoping to achieve a higher level of individual transformation.

Yoga Retreat Thailand will furnish you with tools that would change your life for good and keep you focused on your goals. Our programs are focused on the following types of exercises: Meditation (mind control), Alignment, Yoga (asana), Energetic locks (bandhas), Pranayama (breathing techniques), and Chanting (mantra).
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Yoga & Detox Koh Phangan

The Yoga retreat is located in the North western part of the Koh Phangan, Thailand. Just 10-minutes’ walk away from the Popular Haad Salad Beach is the Yoga Retreat which provides a serene environment for all customers to be able to develop and cultivate a profitable life pattern through their involvement in Yoga.

Our main focus at the Yoga Retreat is self-initiated therapy and our students’ independence in the process. We provide with the basic tools and information to awaken your self-consciousness. Irrespective of your level of yoga whether as a novice or professional teaching yoga, this retreat provides the essentials of a relaxing holiday in a peaceful environment. You, therefore are in preparation for you to listen to your mind as you are guided through this transformational phase. You will be provided with ample information and guides that will change your life positively.
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Social media blurb: Attention U.S. citizens: Gifts to your Canadian spouse may come back to haunt you in the form of a nasty tax bite.

Cross-Border Spouses: Beware of U.S. Gift-Tax Surprises
When a U.S. citizen or U.S. resident alien is married to a Canadian spouse who is not a U.S. citizen, then property transfers between the spouses could be taxable in the United States or subject to U.S. gift-tax rules.
Most Canadians are not familiar with a gift tax or an estate tax because Canada doesn’t have such taxes. In the United States, however, gift and estate taxes exist alongside regular income tax, and can run as high as 40% of the value of a U.S. taxpayer’s wealth over a certain amount.
Inter-spousal transfers can take place via a gift, a sale or incident to a divorce. For U.S. tax purposes, a gift is treated as a transfer of property without receiving full consideration in return. For married couples where both spouses are U.S. citizens, transfers are not subject to regular income tax or gift tax. But problems arise when one or both spouses are not U.S. citizens.
Sale of property to a spouse
If both spouses are either U.S. citizens or U.S. tax residents, then an inter-spousal transfer by sale or divorce is tax-free. If, however, one spouse is a non-resident alien for tax purposes, then the transferring spouse will recognize a gain or loss for U.S. tax purposes.
Gift of property to a spouse
When one spouse is not a U.S. citizen, then U.S. gift-tax rules could apply. Unlike the unlimited marital gift tax deduction applicable to U.S. citizen spouses, a gift to a non-citizen spouse is only exempt from gift tax up to $147,000 (for 2015). This rule applies regardless of whether the receiving spouse is a green-card holder or otherwise a U.S. tax resident. As a result, care must be taken to analyze transactions between spouses to determine whether a gift tax return needs to be filed to pay any gift tax.
Let’s look at an example of when this situation would apply. Neil Youngman is an American citizen living in Malibu, Calif., and his wife, Cinnamon, is a Canadian citizen living in Toronto. Neil is a musical legend. Because Neil has a Heart of Gold, he decides to give his Canadian wife a gift of $500,000 to buy a home Down By The River in Muskoka. Unfortunately for Neil, only $147,000 of the gift is tax-free. The remaining $353,000 will need to be reported on a gift tax return, and is subject to gift tax.
As you can see, failing to plan ahead for spousal transfers could leave you afoul of complex tax rules—and subject you to unexpected tax surprises.
Marc Gedeon is a CPA (U.S), CPA (Canada) and Tax Attorney at Cardinal Point, a cross-border wealth management organization with offices in the United States and Canada. Marc specializes in providing Canada-U.S. cross-border financial, tax, transition, and estate planning services. www.cardinalpointwealth.com This piece is for informational purposes only and should not be considered legal or tax advice. Online readers should not act upon this information without seeking professional counsel.
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Are you an American living in Canada?

"When a U.S. citizen moves to Canada, tax and estate planning issues become more complicated"

Are you asking yourself…

Am I subject to double taxation on the income I earn?
Will I still be subject to U.S. gift and estate tax rules as a Canadian resident?
What is the best way to gift assets to a non-U.S. spouse?
Is my investment portfolio structured from a Canadian and U.S. tax perspective?

If this is you, it’s time to speak with an advisory team that is qualified and understands the unique tax and estate requirements of managing the cross-border affairs of affluent individuals and families.

Need Help Managing Your Cross Border Lifestyle?
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Types of Lapel Pins

Enamel Pins • Die Struck Pins • Offset Printed Pins • Sports Trading Pins • Cast Pins • Rhinestone Pins • Custom Lapel Pins • Custom pins as easy as 1-2-3! • What are custom lapel pins?

Soft Enamel lapel pins

Soft Enamel is our more popular type of custom lapel pins. The process for soft enamel begins with the design of your choice being stamped onto a sheet of metal, imprinting your design onto the surface of your pins. After the plating is applied to the raw metal the enamel color fill is then added to the recesses areas of the pin one color at a time. The soft enamel sets a little lower than the raised metal lines of the design giving the pin a dimensional look as well as feel. Soft enamel is a more cost efficient process that still gives each pin design a high quality professional look. These pins are great for sports teams, charitable organizations, awards and many more!

Cloisonnè/Hard Enamel Lapel Pins

Cloisonnè lapel pins, also known as hard enamel pins, are created using the finest materials and are highly regarded because of their unique appearance. When choosing cloisonnè for your design each pin will begin with a similar process as our soft enamel and die struck lapel pins. Then each color is individually hand-filled with a powder glass-like substance and then kiln-fired at very high temperatures. Each cloisonnè pin is hand polished giving your pins a smooth glossy appearance. Our cloisonné pins have a jewelry-like appearance with a high perceived value. No matter what the occasion, cloisonné lapel pins will make an impressive statement.
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All About The Ground-Breaking Two Week Diet

Hi! Welcome! Hello! Its super great that you are here!

You didn’t come here by accident you came here for a reason, an important reason because you have made a major decision in your life, one that most people fail to make.

You were destined to end up here and somehow you got here – so first of all a big well done to you!

You have chosen to become the best version of yourself.
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Insomnia|what is insomnia| I cant sleep|insomnia symptoms|natural treatments for insomnia|home treatments for insomnia|insomnia treatments|sleepless|anxiety and insomnia

Are you having troubles to sleep? Then check out this new sleep aids blog which shows you exactly how.| Do you have problems to rest at night? Then go to this website to learn about a fool-proof sleepless treatment.|Need a way to sleep at night again? Go to the website in this submission to learn exactly how.
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Top 10 cars in the world: fastest car in the world(2018 supercars)

From Hennessey Venom F5 to Pagani Huayra Roadster here are Top 10 cars in the world: fastest car in the world(2018)
These cars are amazing and no YouTuber owns a vehicle like Top 10 cars in the world! Fastest Cars 2018

1) Hennessey Venom F5
2) Bugatti Chiron
3) Koenigsegg Agera RS
4) Koenigsegg Agera One
5) Hennessey Venom GT
6. Bugatti Veyron Grand Sport Vitesse La Finale
7) Koenigsegg Regera
8) Lykan Fenyr SuperSport
9) Zenvo TS1 GT
10) Pagani Huayra Roadster is currently the fastest production car in the world !
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How to Quickly grow back your receding gums naturally

What Is Gum Recession?
This is a stage when the gum tissues that surrounds the teeth begins to wear out. As a result, it exposes large part of the teeth or the tooth's root. When this occur, a gap between teeth and gum line develops, exposing the teeth to threats such as bacteria causing diseases.

If this continues for a longer period of time, the bone structure of the teeth becomes damaged which can result to tooth loss. Many people don't realise that they have gum recession since it is a dental problem that occurs gradually. In most cases, individuals realise that they have receding gums due to tooth sensitivity near the gum line. It is difficult to know if you have longer teeth unless you are informed by a dentist. Receding gums is something that should be taken seriously by making appointments to a doctor so that further treatment interventions can be offered.

Causes of Receding Gums

There are several factors that causes receding gums. They include:
Factors such as insufficient brushing and flossing of teeth with inadequate amount of bacteria makes hard substances stick to the layer of the gum line. This makes the gum to begin out which eventually leads to receding gums. In addition, aggressive tooth brushing or brushing your teeth in a wrong way can cause the gum layer of the tooth to wear out which leads to gum recession.
Continued bacterial infections destroy the enamel and the gum surrounding the teeth. This causes wearing out of the gum which results to receding gums. Periodontal disease such as bacterial infections is the main cause of gum recession.
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It's Time To Grow Back Your Receding Gums Before It's Too Late

Receding gums is a problem that affects lots of people where the teeth seem to look like they are pulling back from the gums. Therefore, it is essential to ensure that you can heal receding gums and have a nice look that is appealing and attractive.
Some people claim that you cannot treat receding gums naturally, but that is possible since there are some home remedies that you can use, and you will be able to handle your receding gums. For this reason, find out from the following tips, and you will get to know that it is easy to grow back your receding gums.
First, you should consider oil pulling. It is significantly used for treating receding gums since it is mighty and capable. When used it will be able to get rid of all the microbes and other foreign materials that are in your mouth, and the problem will cease for good. The most crucial consideration that you need is to ensure that the oil pulling is organic that is homemade.
Another way to treat receding gums naturally is through the use of vitamin C. For your teeth and gums to be healthy you need to consider vitamin C since it has essential nutrients that are imperative for production of the collagen that is responsible for holding teeth cells. For this reason, it is vital to use this home remedy to heal your receding gums. You should make sure that you are purchasing the necessary type of vitamin C for you to get the desired results.
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