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10 Savvy Tax Strategies to Keep in Mind for 2013

I t’s said the only constant in life is change, and that’s definitely the case with taxes. That was made very clear during the tax debates associated with the “fiscal cliff.” But all the tax-rate-increase and spending-cut chaos that accompanied fiscal cliff discussions is just part of the picture. Here are 10 tips for taxpayers in 2013.

Edition 39 February 01-07 2013

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10 Top Cities to Work and Live In

Several decades ago, the greatest cities to work in the United States were obvious, classic choices – New York City, Los Angeles, Chicago or Detroit. Times, however, have changed rapidly and mercilessly. After the collapse of the banking system, the demise of print media, and the bankruptcy of Motor City, these places are vulnerable to the lure of more modern cities. Page. 12

Ways to Make Extra Money in Retirement If the value of their investments sinks after retirement, seniors often have little choice but to spend less or return to the workforce. But there are plenty of ways to make a little of extra cash without having to deal with an alarm clock and a commute. Here are a few creative ways to boost your retirement income. Page. 5

The president said the principles he would be advancing had three prongs: tighter border security; helping the 11 million illegal aliens earn citizenship “It won’t be a quick process but it will be a fair process” -- and bringing “our immigration system into the 21st century. You shouldn’t have to wait years to join your family here in America.”

Obama appeared to be letting Congress take the lead. But if Congress delays action, Obama said he will send up his own bill to Congress “and insist they act on it right away. PageS 2-3

Do You Know How to Handle Your Small Business’ Taxes? Page. 6

Ed Koch, former NYC mayor, dies at 88

Page. 3

Famous for greeting constituents with “How’m I doing?,” the Jewish mayor presided over some of the city’s most difficult years, from 1978 to 1989, and helped spur the recovery that would flourish under one of his successors, Rudy Giuliani. Pages. 10-11


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FRONT PAGE

nY. Business Latino • Edition 39 |February 01-07 -2013

LAS VEGAS - President Obama told a cheering crowd in Las Vegas Tuesday it’s time to fix “an immigration system that’s out of date and badly broken.” The president said the principles he would be advancing had three prongs: tighter border security; helping the 11 million illegal aliens earn citizenship -- “It won’t be a quick process but it will be a fair process” -- and bringing “our immigration system into the 21st century. You shouldn’t have to wait years to join your family here in America.” Obama appeared to be letting Congress take the lead. But if Congress delays action, Obama said he will send up his own bill to Congress “and insist they act on it right away.” Obama warned, “The closer we get [to immigration reform] the more emotional this debate is going to come,” taking an “us versus them” tenor. However, “A lot of folks forget that most of us used to be them,” Obama said. “All those folks before they were us, they were them.” Before outlining his immigration plan at Del Sol High School, Obama said, “A broad consensus is emerging and ... a broad call for action can be heard from all across America” for “common sense immigration reform.”

Obama: Time to fix immigration

The president said companies and immigrants have to be more transparent. “We have to bring this shadow economy into the light so that everyone is accountable,” he said. “The good news is that -- for the first time in many years -- Republicans and Democrats seem ready to tackle this problem together,” Obama said. “Members of both parties, in both chambers, are actively working on a solution. And yesterday, a bipartisan group of senators announced their prin-

CALENDARIO DE EVENTOS

ciples for comprehensive immigration reform, which are very much in line with the principles I’ve proposed and campaigned on for the last few years. “At this moment, it looks like there’s a genuine desire to get this done soon. And that’s very encouraging.” Earlier, Senate Minority Leader Mitch McConnell, R-Ky., warned Obama not to deliver a partisan speech. McConnell said in a statement he hoped Obama would “take a bipartisan approach.” House Speaker John Boehner, R-Ohio, said through a spokesman he welcomed the blueprint worked out by eight senators,

including Marco Rubio, RFla., even though it offers a path to citizenship for many of the nation’s 11 million undocumented immigrants that conservatives have generally opposed. Boehner “is looking forward to learning more about the proposal in the coming days,” Michael Steel said. Obama’s proposal, as previewed on the White House website, differs in at least one key way from the senators’ framework, which requires the border with Mexico be deemed secure before letting anyone in the United States illegally get citizenship.


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nY. Business Latino • Edition 39 |February 01-07 -2013

Part of President Obama’s immigration strategy and his gun control strategy is to build public support through speeches; that’s why he’s in Nevada on Tuesday..

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resident Obama is pledging to negotiate with Congress on immigration legislation, but he is also working with another group: voters.

Obama takes immigration

pitch to voters INTENSIFICANDO LA CONTRATACIÓN AGRESIVA EN EL APOYO A NUEVOS PRODUCTOS

Obama flew more than 2,000 miles Tuesday to make his immigration pitch, visiting a politically pivotal state with a growing Hispanic population — Nevada — and urging backers to pressure Congress into supporting a big bill. Speaking at a high school in Las Vegas, Obama said Democrats and Republicans are starting to come together on a new immigration bill that would include a pathway to citizenship for some of the 11 million illegal immigrants already in the United States. Obama applauded the framework put forward Monday by a bipartisan group of eight senators and said he has pushed some of the same ideas for years. Noting that previous efforts to forge an immigration bill have failed, Obama said that “this time action must follow,” and immigration should not “get bogged down in an endless debate,” as it has in the past. Drawing applause from a supportive crowd, Obama also warned: “If Congress is unable to move forward in a timely fashion, I will send up a bill based on my proposal and insist that they vote on it right away.” The president said his immigration principles also include tighter security at the border, crackdowns on businesses that knowingly employ illegal immigrants, and streamlined processes for foreign students, family members and highly skilled workers, as well as what he called “a path-

“I’m here today because the time has come for common sense, comprehensive immigration reform,” Obama said before echoing a mantra, “Now is the time ... now is the time.” way to earned citizenship.” It was the first out-of-town trip of Obama’s second term and mirrors a tactic previously used by him and many predecessors: seeking to go over the heads of Congress and appeal directly to voters who can determine the fate of bills and the politicians who back them. White House senior adviser Dan Pfeiffer tweeted that Tuesday’s speech “is just the beginning” of the president’s efforts, and “he will rally the public to push for reform ASAP.” In his first term, Obama traveled the country in favor of such items as his health care bill and jobs plans. In the coming months, he is expected to make similar public appearances for a proposal to tackle gun violence, and perhaps to rally support in looming budget disputes with congressional Republicans. “It rarely hurts you,” said Eric Herzik, who chairs the political science department at the University of Nevada-Reno. “It raises the issue, and he gets a hearing outside the bubble of Washington, D.C.”

Meanwhile, a new group called Organizing for Action, culled from Obama’s 2012 campaign, is also planning to build support for the president’s agenda, including gun control and a new immigration law. Michael Green, a history professor at the College of Southern Nevada, noted that Obama and his backers aren’t the only ones out there seeking to mobilize voters on immigration and other issues. Also at work are conservative groups, some of which say that immigration policy should focus strictly on border security and deportation, not citizenship. It’s a battle that may be fought out over the airwaves, on the Internet and through the media, as well as on the stump. “We are seeing more groups pressuring Congress in more ways than we ever have historically,” Green said. While Obama tries to win people to his side on immigration, some Republicans are warning against one of the potential byproducts of

the “take it to the people” strategy: excessive partisanship. Brendan Buck, a spokesman for House Speaker John Boehner, ROhio, said there are “a lot of ideas” about how to fix the immigration system, and “we hope the president is careful not to drag the debate to the left and ultimately disrupt the difficult work that is ahead in the House and Senate.” Among the potential roadblocks to an immigration bill: • House Republicans. GOP members are the majority in the House of Representatives, which must sign off on any immigration bill. Many Republicans describe any pathway to citizenship as amnesty for lawbreakers. Rep. Marsha Blackburn, RTenn., told CNN she and other House Republicans want to see specific legislative language on any immigration plan. In the past, she said, “what we’ve learned is, if you grant amnesty, what do you get? More amnesty. More illegal entry.”

• The rules of the road to citizenship. Backers of the Senate plan — notably key Republican Sen. Marco Rubio of Florida, a potential presidential candidate who is trying to sell an immigration bill to conservatives — want to tie the pathway to specific improvements in border security.

Obama has said he wants a clear pathway from the start, with no conditions. • Same-sex couples. One of the goals of the Obama immigration plan is to prevent the splitting of families, some of whom are legal immigrants, and this includes same-sex couples. The plan “treats same-sex families as families by giving U.S. citizens and lawful permanent residents the ability to seek a visa on the basis of a permanent relationship with a same-sex partner,” a White House summary said.


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COMMUNITY

higher rate.

PEOPLE ARE LIVING LONGER AND SAVING LESS. BUT THERE ARE WAYS TO STRETCH OUT YOUR DOLLARS.

Ways to Make Extra Money

nY. Business Latino • Edition 39 |February 01-07 -2013

Utilize Medicare benefits. Sign up for Medicare Part B at age 65 to avoid a 10 percent premium increase for each year of delayed enrollment. Shop around annually for the most economical Medicare Part D prescription drug plan that meets your medication needs. And take advantage of the new services Medicare will soon begin covering. Beneficiaries will no longer have to pay any out-ofpocket costs for most preventive care, including an annual wellness visit beginning in January 2011.

Get a rewards credit card. You’re going to continue to spend on food, clothing, and gas. You might as well get a credit card that pays you 1 to 2 percent cash back on your everyday purchases. “If you look around, you can find a no fee card that gives you some benefit,” says Tyson. But he cautions: “A lot of the rewards card sock you with annual fees and get you some other way.” Of course, if you carry a credit card balance, the extra cash will be lost.

7 NEW SOCIAL SECURITY RULES FOR 2013 rate than the brick-and-mortar variety.

Retirees need to budget carefully to stay within their fixed income. If the value of their investments sinks after retirement, seniors often have little choice but to spend less or return to the workforce. But there are plenty of ways to make a little of extra cash without having to deal with an alarm clock and a commute. Here are a few creative ways to boost your retirement income. Sell your stuff. Retirees have a lifetime’s worth of accumulated clothes, books, and furniture. Make some quick cash by holding a garage sale or selling your stuff on eBay or Craigslist. Take clothes to a consignment shop and a box of books to your nearest used book store. Downsizing from two cars to one can also give

your monthly budget a significant one-time boost. Savvy sellers can purchase underpriced used goods and resell them at a higher rate. Market your skills. Whether you know how to hem and alter clothing, research family genealogy, or troubleshoot computers, someone in your neighborhood is likely to pay for your skills. Put an ad in your local newspaper, hang a flier on a community bulletin board, or offer your services online. Get a higher interest rate. As you age, you’ll want to keep a significant amount of your savings outside of the stock market. Shop around for the best interest rate on certificates of deposit, bonds, and savings accounts. Consider an online saving account, which will likely offer a higher interest

Prune your investments. Review your investment portfolio and get rid of funds that consistently perform poorly Maximize Social Security. The age you sign up for Social Security can make a big difference in the size of your checks. For Americans born in 1943 or later, Social Security payments increase by 8 percent for each year you delay claiming between ages 62 and 70. “If you have good health, you will generally be better not taking the benefits early,” says Tyson. “If you have a health problem or have some reason to believe you won’t have a long life expectancy, that might be a reason to take Social Security a little bit earlier.” Retirees who have already claimed their benefits still have an opportunity to boost their checks. Seniors who pay back the entire amount received without interest can then reclaim at the

The Social Security Administration has implemented a variety of new rules and features for 2013. The two-year payroll tax cut has officially ended, and paper Social Security checks will soon cease to be printed. A growing number of Social Security services will also be online this year. Here’s a look at some of the recent Social Security changes that go into effect this year: Payroll tax cut ends. The temporary payroll tax cut was allowed to expire at the end of 2012. Workers who paid 4.2 percent of their income into the Social Security system in 2011 and 2012 will now resume contributing 6.2 percent of their earnings in 2013, up to the payroll tax cap of $113,700. Higher payroll tax cap. The payroll tax cap increased by $3,600, from $110,100 in 2012 to $113,700 in 2013. Workers who earn more than this threshold don’t need to pay Social Security taxes on that income.More online services. A trip to the Social Security office is no longer necessary to start your Social Security payments. A growing number of retirees are claiming Social Security payments online, largely thanks to an advertising campaign starring actors Patty Duke and George Takei.

Workers who earn more than this threshold don’t need to pay Social Security taxes on that income. More online services. A trip to the Social Security office is no longer necessary to start your Social Security payments. A growing number of retirees are claiming Social Security payments online, largely thanks to an advertising campaign starring actors Patty Duke and George Takei. For the first time in 2012, workers could access their Social Security statements online, including their complete earnings history and expected payments, and about 3 million people have already done so. In early 2013, Social Security added online services including the ability to access a benefit verification letter and payment history. Reduced office hours. Social Security offices are reducing the hours they are open to the public to save money and avoid paying overtime to workers. Social Security locations nationwide have been closing 30 minutes early each day since Nov. 19, 2012, and they began closing to the public at noon every Wednesday on Jan. 2, 2013.


nY. Business Latino • Edition 39 |February 01-07 -2013

SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF QUEENS SUPPLEMENTAL SUMMONS AND NOTICE Index No. 15549/2012 Date Filed: 01/10/2013 U.S. Bank National Association, as Trustee, successor in interest to Bank of America, National Association as Trustee as successor by merger to Lasalle Bank, National Association as Trustee for WaMu Mortgage Pass-Through Certificates Series 2007-OA3 Trust, Plaintiff, against Naipaul Ramlochan, if he be living or if he be dead, his spouse, heirs devisees, distributees and successors in interest, all of whom and whose names and places of residence are unknown to Plaintiff; Washington Mutual Bank, State of New York; and “JOHN DOE”, said name being fictitious, it being the intention of Plaintiff to designate any and all occupants of premises being foreclosed herein, and any parties, corporations or entities, if any, having or claiming an interest or lien upon the mortgaged premises, Defendant(s). PROPERTY ADDRESS: 10929 142nd Street, Jamaica, NY 11435 TO THE ABOVE NAMED DEFENDANTS: YOU ARE HEREBY SUMMONED to answer the complaint in this action and to serve a copy of your answer, or a notice of appearance on the attorneys for the Plaintiff within thirty (30) days after the service of this summons, exclusive of the day of service. The United States of America, if designated as a defendant in this action, may appear within sixty (60) days of service hereof. In case of your failure to appear or answer, judgment will be taken against you by default for the relief demanded in the complaint. NOTICE OF NATURE OF ACTION AND RELIEF SOUGHT THE OBJECT of the above captioned action is to foreclose a Mortgage to secure $356,160.00 not to exceed negative amortization amount up to 110% of the original principal amount and interest, recorded in

the QUEENS County Office of the City Register on March 15, 2007 in CRFN: 2007000139823 covering premises known as 109-29 142nd Street, Jamaica, NY 11435. The relief sought in the within action is a final judgment directing the sale of the premises described above to satisfy the debt secured by the Mortgage described above. Plaintiff designates QUEENS County as the place of trial. Venue is based upon the County in which the mortgaged premises is situated. NOTICE YOU ARE IN DANGER OF LOSING YOUR HOME IF YOU DO NOT RESPOND TO THIS SUMMONS AND COMPLAINT BY SERVING A COPY OF THE ANSWER ON THE ATTORNEY FOR THE MORTGAGE COMPANY WHO FILED THIS FORECLOSURE PROCEEDING AGAINST YOU AND FILING THE ANSWER WITH THE COURT, A DEFAULT JUDGMENT MAY BE ENTERED AND YOU CAN LOSE YOUR HOME. SPEAK TO AN ATTORNEY OR GO TO THE COURT WHERE YOUR CASE IS PENDING FOR FURTHER INFORMATION ON HOW TO ANSWER THE SUMMONS AND PROTECT YOUR PROPERTY. SENDING A PAYMENT TO YOUR MORTGAGE COMPANY WILL NOT STOP THIS FORECLOSURE ACTION. YOU MUST RESPOND BY SERVING A COPY OF THE ANSWER ON THE ATTORNEY FOR THE PLAINTIFF (MORTGAGE COMPANY) AND FILING THE ANSWER WITH THE COURT. Dated: October 23, 2012 John A. DiCaro, Esq. Shapiro, DiCaro & Barak, LLC Attorneys for Plaintiff 250 Mile Crossing Boulevard, Suite One, Rochester, NY 14624 (585) 247-9000 Our File No. 11009751 Premises known as 109-29 142nd Street, Jamaica, NY 11435. All that certain property situate, lying and being in the Borough and County of Queens, City and State of New York. Block: 11928 Lot: 41

Assemblymember Robert J. Rodriguez:

Assembly passes groundbreaking, comprehensive gunsafety legislation Bill bans assault weapons, closes loopholes and cracks down on gun violence ravaging communities across the state Assemblymember Robert J. Rodriguez (D-East Harlem – 68th AD) announced that he helped pass comprehensive gunsafety legislation in an effort to curb the devastating gun violence that has ravaged New York State and the country (A.2388). The Governor signed the sweeping legislation. “Within the first two days in session, I and my colleagues made the safety of our children, our first respond-

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ers and our neighbors a top priority. The massacre of schoolchildren in Newtown, Conn., and first responders in Webster, N.Y., changed our dialogue forever, but– sadly – we have seen terrible gun violence every day in cities and neighborhoods across New York. The mothers of victims in our own Community have been calling for more protections for years. Their tears should have been answered before now. But now, we respond with action” Assemblymember Rodriguez said. “We need aggressive legislation to put a stop to this violence and the fear it promulgates. The Assembly’s measure takes a comprehensive look at the issue of gun violence and provides real solutions by strengthening gun-control measures and safety, increasing criminal penalties for the illegal use of guns and ensuring that those who may be a danger to themselves or others due to a mental illness do not have access to firearms.”

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BUSINESS NEWS

nY. Business Latino • Edition 39 |February 01-07 -2013

Do You Know How to Handle Your Small Business’ Taxes?

Small Business

Corporations A corporation is an independent legal entity, structured and regulated by state law. This implies that the owners of the corporation are not directly liable for business losses or debts. There are “C” corporations, which we will discuss below, and “S” Corporations, which are those who elect partnership-style taxation, as discussed in the Partnerships section above. Owners pay taxes on profits paid to them through salary, bonuses or dividends. The corporation itself pays taxes on annual profits, called net income. There are special tax rates that apply to this type of business. If a corporation were to pay out its yearly after-tax net income to its owners in the form of dividends, the owners would be taxed on the dividends. This is called double taxation because the corporation’s gross income is taxed and the dividends paid out to owners are taxed again. The double taxation only applies to dividends since salary and bonuses are part of the corporation’s expenses and are tax deductible.

Small businesses must withhold federal income taxes from their employee’s wages and pay them directly to the IRS. The amount depends on the size of the payments, the number of exemptions claimed by each employee, their marital status, and the frequency of the payments. Each employee must complete a W-4 form to determine withholding exemptions. Employers must also withhold 6.2% of each employee’s income for Social Security and 1.45% of each employee’s income for Medicare, in addition to the matching contribution that the employer makes. Most employers are also required to pay federal and state unemployment taxes under the Federal Unemployment Tax Act. An excise tax is a tax paid for the sale or manufacture of certain commodities. For example, environmental taxes, communications taxes, or fuel taxes could be excise taxes levied on a particular business. Depending on what the business manufactures or sells, some businesses might not be required to pay these at all. Sole proprietorship A sole proprietorship is a company with only one owner that is not registered with the state as a limited liability company or corporation. The owner does not pay income tax separately for the company, but he/she reports business income or losses on his/her individual income tax return. The owner is inseparable from the sole proprietorship, so he/she is liable for any business debts. Self-employed or sole proprietors report their taxes through Form 1040 and Schedule C for net profit and loss from their business.

Employers are also required to make quarterly estimated tax payments if they expect their business to earn more than $1,000. Partnerships A partnership is a business, which has one or more owners and that is not a limited liability company or corporation. Partners share equal responsibility for the company’s profits and losses, and its debts and liabilities. The partnership itself does not pay income taxes, but each partner has to report their share of business profits or losses on their individual tax return. Estimated tax payments are also necessary for each of the partners for the year in progress. Partnerships must file a return on Form 1065 showing income and deductions. Estimated tax payments are also required if they expect their income to be greater than

$1,000. Limited Liability partnerships A limited liability partnership is a business organization that has one or more general partners who manage the business and assume legal debts and obligations, and one or more limited partners who do not participate in the day-to-day operations and are liable only to the extent of their investments. As a limited partner, you share in the profits and losses, and these are taxable events to you. This means that if the partnership makes money at a point in the year and the general partners reinvest those profits instead of paying them to you, you may have to pay taxes even if you do not receive cash in return. Be sure to consult with a tax professional if you participate in a limited partnership.

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taxes. definitely the case with cliff.” But in life is change, and that’s associated with the “fiscal discusI t’s said the only constant during the tax debates cliff That was made very clear spending-cut chaos that accompanied fiscal and all the tax-rate-increase for taxpayers in 2013. picture. Here are 10 tips sions is just part of the

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2013

10 Top Cities to Work and Live In

Self-employed You can deduct up to 60% of your health insurance for yourself, your spouse and your dependents if you are self-employed or are an “S” corporation shareholder, or if you are not eligible to participate in an employersubsidized health plan.

National Association Hispanic Publication m

Edition 39 February 01-07

Non-profit corporations Non-profit corporations are those which are charitable, educational, scientific, literary or religious. These corporations do not pay federal or state income taxes on profits. Non-profit organizations also have the ability to raise public or private funds and receive donations from companies or individuals.

Organizations

10 Savvy Tax Strategies to Keep in Mind for 2013

Rosemary Carrillo: Carlos Velez : Susana Bono : Alfredo Morad: Dora Rubiano: Eva Chavez:

Corporations must file an income tax return, regardless of whether or not they received income, by filing Form 1120. “S” Corporations use Form 1120S and are also required to make estimated tax payments.

Ways to Make Extra Money in Retirement If the value of their investments sinks after retirement, choice seniors often have little to but to spend less or return are the workforce. But there a little plenty of ways to make of extra cash without having to deal with an alarm clock are a and a commute. Here few creative ways to boost your retirement income. Page. 5

the greatest cities to work Several decades ago, obvious, classic choices in the United States were Chicago or Detroit. – New York City, Los Angeles, rapidly and mercichanged Times, however, have the of the banking system, lessly. After the collapse the bankruptcy of Motor and demise of print media, more vulnerable to the lure of City, these places are modern cities.

National Federation of Hispanic Owned Newspapers Hispanic Media Council

Page. 12

he would be adThe president said the principles border security; tighter vancing had three prongs: aliens earn citizenhelping the 11 million illegal but it will be a fair ship “It won’t be a quick process immigration system process” -- and bringing “our shouldn’t have to wait into the 21st century. You in America.” years to join your family here

Obama appeared to be letting

Congress take the lead. But

if Congress delays action,

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Do You Know How to Handle Your Small Business’ Taxes? Page. 6

Phone: 917-974-0681 Fax: 917-974-0681 | Info@NYBusinesslatino.com • www.NYBusinessLatino.com

Obama said he will send

up his own bill to Congress

“and insist they act on it

partners right away.

Ed Koch, former NYC mayor, dies at 88

the with “How’m I doing?,” Famous for greeting constituents of the city’s most difficult some Jewish mayor presided over that and helped spur the recovery years, from 1978 to 1989, Giuliani. of his successors, RudyPages. 10-11 would flourish under one Page. 3

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This published to inform the public of matters of general interest and give reports of current events, news and comments about editorial published in NY Business Latino is believe to be truthful and accurate. However, the publisher assumes no responsibility whatsoever for typographical errors or omission in the newspaper


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nY. Business Latino • Edition 39 |February 01-07 -2013

10 Savvy Tax Strategies to Keep in Mind for 2013

I

t’s said the only constant in life is change, and that’s definitely the case with taxes. That was made very clear during the tax debates associated with the “fiscal cliff.” But all the tax-rate-increase and spending-cut chaos that accompanied fiscal cliff discussions is just part of the picture. Here are 10 tips for taxpayers in 2013. Tip 1: Get ready to wait Remember the delays in 2011 when some taxpayers had to wait until mid-February to file their returns because of the late passage of tax laws? Expect the same in 2013. Whether Congress passes new tax laws late in the year or even after the end of a calendar year, the Internal Revenue Service needs time to reprogram its computers to account for the changes. Former IRS Commissioner Doug Shulman, who completed his term just before the presidential election, warned about delays as far back as March 2012. In November, acting IRS Commissioner Steven Miller wrote to the leaders of the House and Senate tax-writing committees, alerting them that the filing of tax returns by as many as 69 million taxpayers could be delayed, some possibly as late as March 2013, because of procrastination by Congress. Most of the inconvenienced taxpayers would be those affected by the alternative minimum tax. Tip 2: Watch out for the 3.8 percent Medicare investment tax Several new taxes created as part of the Patient Protection and Affordable Care Act, popularly known as Obamacare, take effect in 2013. The major new tax is a 3.8 percentage point surtax on investment income earned by wealthier taxpayers. Single taxpayers making at least $200,000 and households making $250,000 or more would see this tax added to their investment earnings. Unearned income that will be subject to the new tax includes interest, dividends, capital gains, annuities, royalties and rents. Distributions from individual retirement accounts are exempt from the surtax, but since they are taxable (at your ordinary income tax rate), the retirement account money could increase your adjusted gross income and possibly push you into the Medicare surtax area. Tip 3: Take note of the 0.9 percent Medicare payroll tax increase In addition to the Medicare surtax on investment income, individuals who make more than $200,000 ($250,000 for joint filers) in 2013 will see a new 0.9 percent

Medicare payroll tax taken out of their paychecks on the amounts earned over their filing status thresholds. Self-employed workers will have to figure the added payroll tax on their earnings, too. Tip 4: Monitor your medical expenses A major shortcoming of the itemized medical expenses deduction is that you must rack up enough qualified costs to be able to claim the amount on Schedule A. In 2013, again as part of the health care law, you’ll need even more. For the 2012 tax year, you can deduct only the amount of medical and dental expenses that exceed 7.5 percent of your adjusted gross income, or AGI. In 2013, you must have qualified medical expenses that are more than 10 percent of your AGI. Taxpayers age 65 or older, however, can still use the 7.5 percent threshold through 2016. If you plan to get around the higher deduction threshold by using a flexible spending account, or FSA, to pay for unreimbursed medical costs, that’s still a good 2013 tax strategy. But as you learned when you signed up for your medical FSA during your workplace benefits enrollment period, you can only put up to $2,500 into the account. So, plan accordingly for expenditures of this reduced amount. Tip 5: Determine whether your insurance rebate is taxable Last fall, health insurers issued more than $1 billion in premium refunds to nearly 13 million consumers. The payments, officially known as medical loss ratio, or MLR, rebates were required by the Affordable Care Act in cases where health insurers did not spend at least a certain percentage (generally 80 percent to 85 percent) of the prior year’s health insurance premiums on health care services. The rebates issued in August 2012 covered premiums collected for the 2011 plan year. And in some cases, the rebates are taxable. The general tax rule is that if you got a tax break for the money and then got some of it back, the Internal Revenue Service wants to collect its portion. So, for example, if you paid for your medical insurance and itemized those premiums as part of your medical deductions, at least a portion of the rebate is taxable. The IRS has a frequently asked questions Web page with more on the various insurance rebate payment methods and taxability issues. Tip 6: Note your company health coverage’s value One more health care act tax provision will show up on your 2012 Form W-2 that your employer is required to send you

by the end of January. In Box 12, you’ll see how much your workplace-provided medical coverage is worth. Don’t worry. You don’t have to include the amount, which will have the explanatory code DD next to it, on your tax return. It’s for informational purposes only. The IRS will use this data to help it enforce the eventual individual coverage mandate (effective in 2014), as well as collect the so-called Cadillac tax on more expensive workplace insurance plans (effective in 2018). Tip 7: Pay your 2010 Roth IRA conversion taxes If you converted a traditional IRA to a Roth account in 2010, you were able to spread any conversion tax payments equally over two subsequent tax years. Your first payment was due with your 2011 tax filing. The second half is due with your 2012 return. Tip 8: Maximize your workplace retirement plan Speaking of retirement savings, don’t overlook your 401(k) plan. Your contributions are made via payroll deductions before your withholding taxes are calculated, so in addition to saving for retirement, you shave a bit off your tax bill. Many companies make matching contributions to employee accounts. That’s basically free retirement money. And the total earnings in the account grow tax-deferred.

Each year the IRS reviews the maximum amount that workers can contribute to their 401(k)s and, if warranted, adjusts the contribution levels for inflation. In 2013, you can contribute up to $17,500 to your 401(k). If you’re 50 or older, you can add an extra $5,500, allowing a worker who is closer to retirement to contribute as much as $23,000 in a 401(k). Tip 9: Find a tax professional Tax laws change every year. And too often, the changes are made late in a tax year, giving you very little time to adjust. If 2013 is the year you decide to get professional help in deciphering the late-breaking and convoluted tax laws and filing your return, start searching for a tax pro now. You have plenty of time to determine which tax professional best fits your tax needs and then thoroughly check out the tax adviser before hiring. Tip 10: Take your time Here’s one more adage to keep in mind as an important tip for taxpayers: Haste makes waste. That can be true and costly when it comes to taxes. Although the filing deadline is April 15, you can get more time to finish your tax forms. If you need it, take it by filing for an extension with Form 4868. Remember, if you owe a tax bill, you must send in that amount (or close to it) by April 15 or you could end up owing more in late-payment penalty charges.


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nY. Business Latino • Edition 39 |February 01-07 -2013

Secrets to Earning More in 2013

When Is the Optimal Time to Book a Flight?

f you’re determined to land a new job or score a promotion this year, you’re in luck. Workplace experts predict 2013 offers the best chance for career enhancement in more than five years, especially if you’ve got skills.

While overall unemployment hovers under 8%, the jobless rate in specific fields — such as accounting, advertising, finance, law, marketing and technology — is much less, ranging from 2% to 5%. Plus, salaries in these industries are expected to jump 3.7% this year, compared to the average 3% increase across the broader job market. Don’t Be Afraid to Switch it Up As the saying goes, in order to really grow you have to abandon your comfort zone, and now more than ever that means switching companies. If your current employer can’t provide you with a raise or promotion, it may be a sign that it’s time to jump ship. Employee turnover is up 30% nationwide, and businesses are increasingly seeking talent outside their own firms. Sixty percent of businesses have hired externally, up from 50% two years ago. If you want to stay with your current company, an outside job offer could give you the leverage to get that salary bump. Identify Expanding Companies If you do want to make the switch, increase your chances of getting hired by applying for gigs at companies in growth mode Target Industry-Specific Sites General job boards are ideal for getting a snapshot of the labor market. But for more in-depth insight, check out sites specific to your industry Build Your Online Brand Increase your exposure to potential employers through popular social media sites like Twitter, Facebook and LinkedIn. According to CareerBuilder, nearly 40% of companies screen candidates through social media. By sharing relevant articles or offering thoughtful commentary, you can create a reputation as a valuable resource in your industry, allowing you to move up the ranks quickly. Expand Your Network Work every angle. A whopping onethird of hires still come from referrals, so connect with as many people as possible. Contact friends, former coworkers, and make new connections through social media. Ask for

introductions or advice from people working at your target companies, but don’t ask outright for a job. Keep your name in front of people who can help your career. Let them see you as an intelligent, qualified candidate through the social capital you’ve cultivated online.

B

argain-conscious travelers have been trying to answer the question for years and are still stymied: How far in advance do you have to book to get the best airfare? According to new research by CheapAir.com based on the travel site's review of 560 million airfares, the optimal time to book a domestic flight is 49 days in advance. If you're flying overseas, you should book almost three months -- 81 days, to be precise -- before you travel. Too much planning for you? Don't worry. While the average domestic flight was the cheapest 49 days out, it didn't start to rise dramatically in price until about two weeks before the departure date. But if you wait until the day or two before you want to travel, get ready for some serious pocketbook pain. Domestic flights that would normally cost less than $400 jump to about $625.

Notably, it's also bad for your pocketbook to book too far in advance, according to CheapAir. People who booked 210 days before the flight ended up paying an average of $475 for a domestic ticket. There are exceptions and caveats, however. If you're booking for a high-traffic time, like Thanksgiving, it can make sense to book well in advance. The optimal time to buy a flight for Thanksgiving weekend in 2012, for instance, was 96 days in advance. If you're taking an international flight, by contrast, you might score a real bargain by being spontaneous. For example, the best price CheapAir found for a Los Angeles-to-Tokyo flight was when the traveler booked one day before the flight. Other factoids of note: Booking a flight on a Tuesday or Wednesday is not likely to save any money. But flying on a Tuesday or Wednesday will.

And, of course, while this study focuses on average ticket prices, there are a lot of one-time deals that can make booking at any given time either a bargain or a bust. And, of course, while this study focuses on average ticket prices, there are a lot of one-time deals that can make booking at any given time either a bargain or a bust. CheapAir tries to deal with the frustrations of variable airline pricing by offering a customer payback program. If you book a flight through the site and find that your specific itinerary has dropped in price, it offers you up to a $100 credit for another flight. And what if another airline offers a better deal in the meantime? Unless you’re traveling on one of the rare airlines, such as Southwest, that will allow you to change your ticket without penalty, you’re out of luck.


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LOCAL NEWS

nY. Business Latino • Edition 39 |February 01-07 -2013

UNITED STATES

Ed Koch, former NYC mayor, dies at 88

Ed Koc lage, pi

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Jacqueline Kennedy Onassis, center left, and Bess Myerson, center right, walk with architect Philip Johnson, left, and Rep. Ed Koch, right, as they leave New York’s Grand Central after holding a news conference for the “Committee to Save Grand Central Station” on Jan. 30, 1975. d Koch, the pugnacious former New York City mayor whose political imprimatur was eagerly sought by Republicans and Democrats alike, has died.

Koch, 88, died early Friday morning of congestive heart failure, his spokesman told The New York Times. He had been hospitalized twice in recent weeks to drain fluid from his lungs. Famous for greeting constituents with “How’m I doing?,” the Jewish mayor presided over some of the city’s most difficult years, from 1978 to 1989, and helped spur the recovery that would flourish under one of his successors, Rudy Giuliani. Koch’s third term was mired by corruption scandals and burgeoning racial tensions, and after losing his bid for election to a fourth term in 1989, Koch retired into a happy existence as a Jewish yoda, blessing or cursing

political penitents as he saw fit, and not always hewing to the prescripts of his Democratic Party. In 1990, on a visit to Jerusalem during the first Palestinian intifada, Koch was struck by a rock in the head. He was barely nicked, mopping up his wound with a handkerchief, but the incident became one of Koch’s proudest moments, he often said. “I shed a little blood for the people of Israel,” Koch would recall. Koch never met a solicitation for an opinion that he didn’t like. He endorsed Giuliani, a Republican, in his successful 1993 bid to defeat David Dinkins, who had defeated Koch four years earlier, and went on to share -- and sometimes take over -- the stage at endorsements for other Republicans, including New York Gov. George Pataki, Sen. Al D’Amato and New York Mayor Michael Bloomberg. The measure of the warmth both parties felt for him was reflected Friday by statements from their Jewish

affiliates. “Mayor Koch was a passionate and principled leader and an outspoken defender of Israel and the Jewish community,” aid Matt Brooks, the Republican Jewish Coalition director, in a statement. “He chose principle over politics and didn’t engage in partisan bitterness.” The National Jewish Democratic Council statement underscored that whatever his past peregrinations, Koch worked to elect and then reelect President Obama. “Koch was a consummate and proud Jewish Democrat who advocated fiercely for the U.S.-Israel relationship and the progressive domestic policies in which he truly believed,” a statement said. Koch stumped hard for George W. Bush’s presidential reelection in 2004, and was not afraid to tell baffled Jewish Democrats why: Bush had Israel’s back, according to Koch.

Bess M stateme 20, 197

Four years later, Republican dorsement for Sen. John M alarmed at what he saw as R the social safety net he had man in the 1970s, instead th He proceeded to become o ish headaches, lacerating t for his perceived coolness t

“I weep as I witness outra rael,” he wrote on the Huffi “What makes these verbal the more painful is that the President Obama.”

In 2011, Koch endorsed R a special election to fill a v New York in what was see trict, even though the De Weprin, was both Jewish Turner won and, message s retreat from criticism of Is and did not hesitate to claim


LOCAL NEWS

nY. Business Latino • Edition 39 |February 01-07 -2013

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OF AMERICA

New York Mayor Ed Koch gestures as he escorts Republican presidential nominee Ronald Reagan into Gracie Mansion in New York, Oct. 17, 1980

ch, district leader in New York’s Greenwich Vilictured at his headquarters on June 3, 1964.

Myerson at his side. Ed Koch makes victory ent. At extreme right is Herman Badillo, Sept. 77.

ns hoped to win a repeat enMcCain (R-Ariz.), but Koch, Republican plans to degrade d championed as a congresshrew in with Barack Obama. one of Obama’s biggest Jewthe president with criticism to Israel.

ageous verbal attacks on Isffington Post in April 2010. assaults and distortions all ey are being orchestrated by

Republican Bob Turner for vacant congressional seat in en as a safe Democratic disemocratic contender, David h and stridently pro-Israel. sent, Koch watched Obama srael’s settlement policies -m credit for the conversion.

Ed Koch during his service in the U.S. Army in France in 1944. Koch, the combative politician who rescued the city from near-financial ruin during three City Hall terms, has died at age 88. Spokesman George Arzt says Koch died Friday morning Feb. 1, 2013 of congestive heart failure.

“I believe the recent vote in the 9th Congressional District in New York affected in a positive way the policy of the U.S. on the Mideast,” Koch wrote supporters in an email after that election. Koch turned away Republican pleas to re-up his attacks on Obama before the last election, and enjoyed telling friends that he had received a pleading from no less than Sheldon Adelson, the casino magnate who made the president’s unseating his mission. Koch instead enthusiastically endorsed Obama in a long video just before the election -- an appearance Jewish Democrats credit with upping Obama’s Jewish numbers in Florida, a critical swing state. Yet he was disappointed in Obama’s choice of Chuck Hagel, a former Republican senator from Nebraska with a record of Israel criticism and a fraught relationship with the pro-Israel community, for secretary of defense.

Former mayor of New York and Grand Marshal of the parade Ed Koch shakes hands with a boy at the start of the parade as former mayor David Dinkins (L) looks on during the Veterans Day Parade in New York November 11, 2012. “It’s very disappointing, I believe he will ultimately re- ferociously: for the Jewish people, and for New gret it,” Koch told The Algemeiner in a Jan.7 interview, York. “and it undoubtedly will reduce support for [Obama] in the Jewish community, but I don’t think he worries His tombstone is engraved with his name, his about that now that the election is over.” Rabbi Joe Potasnik, the executive vice president of the New York Board of Rabbi, said Koch told him his hero was Harry Truman, another Democratic Party leader unafraid of defying his base. “He admired independence,” Potasnik recalled in interview Friday, “people who didn’t just take the party line but were able to stand on the independent platform.” Potasnik, who befriended Koch over the years as they attended multiple social events together, said Koch in person was “painfully shy” but reveled in the attention he got when passersby recognized him and would call out “Mr. Mayor!” Koch held within his breast twin passions he guarded

years as mayor, the Shema prayer, and the final words of Daniel Pearl, the Wall Street Journal reporter

murdered in Pakistan by terrorists in 2002: “My father is Jewish. My mother is Jewish. I am Jewish.” His chosen burial place is a non-denominational churchyard at the corner of 155th Street and Amsterdam -- selected because he could not imagine eternity outside Manhattan. That was the sole sore point between Koch and Potasnik, who, working with other rabbis, found available Jewish sacred ground on the island. But Koch would not be moved. “When Ed Koch made up his miind, there wasn’t anyone -- there was no superhuman being who could change it,” Potasnik said.


10 P12 EVENTS

Top Cities to Work and Live In

Several decades ago, the greatest cities to work in the United States were obvious, classic choices – New York City, Los Angeles, Chicago or Detroit. Times, however, have changed rapidly and mercilessly. After the collapse of the banking system, the demise of print media, and the bankruptcy of Motor City, these places are vulnerable to the lure of more modern cities.

T

he tech revolution made San Francisco and Silicon Valley the hottest places to live and work, and as these companies expanded, states with lots of cheap real estate and low corporate taxes came into favor, as crowded urban environments fell out. A top ten list of America’s best cities to work in – in no particular order – demonstrates how the changing trends of business have reshaped the definition of the ideal city for work and play.

1. Austin, Texas Austin, the capital of Texas, is the selfproclaimed live-music capital of the world, a surprisingly liberal college city considered the Fertile Crescent of established tech companies – such as IBM, AMD and

Intel – as well as an incubator for fledgling startups. In addition, the city’s housing costs, while higher than other cities in Texas, are quite reasonable compared to the rest of the United States.

2. Milwaukee, Wisconsin

Milwaukee was once known as the city of beer with its extensive brewing and manufacturing industries, but in recent years the city has attracted major corporations, such as Harley-Davidson, Johnson Controls and Kohl’s. In addition, the city boasts one of the most well-preserved historical centers in America, and is situated on the coast of picturesque Lake Michigan.

3. Seattle, Washington

nY. Business Latino • Edition 39 |February 01-07 -2013

Food and Drug. A large portion of the city’s economy is also dependent on the numerous ski resorts nearby, which is also attractive to new hires to the area. Despite its religious foundations, Salt Lake City is considered one of the most liberal cities in the United States.

5. Boulder, Colorado Boulder is often referred to as a ski resort or as a prominent location in spaghetti westerns. However, due to an influx of hippies in the 1960s, the city has since transformed into “San Francisco in the Rockies”, a liberal, educated city highly rated in healthcare, quality of life, education and art. The city is powered by three main forces – the highly ranked University of Colorado, federal research laboratories and over 6,600 small businesses and corporations.

6. Washington, D.C. Nearly half of the country’s 25 richest countries are headquartered in the nation’s capital. The U.S. government offers many jobs in the area, which offer a level of security and benefits heads and shoulders above regular corporations. In addition, housing costs are lower than New York City, and the area is steeped in history and culture, a rarity in comparison to other younger cities.

Often considered the cheaper and rainier version of San Francisco, Seattle is a mecca for top talent in multiple industries, and is home to top brands such as Microsoft, Amazon, Boeing, Starbucks and Nintendo of America. The city’s liberal and progressive ideas and close proximity to 7. Rochester, Minnesota Vancouver and the serene islands of the Puget Sound make it an ideal place to Rochester owes much of work and live. its existence to the world-re4. Salt Lake City, Utah nowned Mayo Clinic, a frontier hospital that evolved into one of the nation’s leading mediA surprising amount of businesses have cal institutions. As a result of relocated to the Mormon capital of the its strong reputation, the area west, Salt Lake City. Cheap real estate, attracts more medical profeslow living costs, labor costs, operating sionals than any other major costs and taxes have all attracted scores metropolitan area, as well as of businesses – which include Huntsman other businesses in the mediCorporation, eBay, Unisys, 3M, Myriad cal field. Housing costs are low, Genetics and Kroger subsidiary Smith’s and the quality of life rating is

high – and the city is consistently featured in many “top ten” lists of best places to live in America.

8. Burlington, Vermont Burlington is considered one of the greenest and most eco-friendly cities in America, a venerable oasis untouched by large multinational chains, bioengineered grops and grotesque power plants. The city’s economic rise has been powered by a local-food movement in which co-ops, city markets and local marketplaces have worked hand in hand to keep the community self-sufficient. The city is also a major supporter of solar power, and liberally uses Vermont-based groSolar’s panels atop its businesses. In the next decade, the city should attract more localfood businesses as well as green energy companies.

9. Topeka, Kansas

The city, best known as Dorothy’s (assumed) hometown in the Wizard of Oz, has certainly grown up over the past decade. The capital of Kansas boasts a stable job market in which a fourth of the city is employed by the government. In addition, low housing costs, good healthcare and schools have all spurred a population spurt in the once tiny city.

10. Baton Rouge, Lousiana Baton Rouge, along with the rest of Louisiana, has bounced back with a vengeance since the dark days of Hurricane Katrina. The capital city is expected to grow in digital media, biofuel production, wood products and construction. The city is also expanding its hospitals to boost the quality of its healthcare, and is expected to attract more health industry jobs as well. In addition, housing costs are low and the city’s classic casinos remain a draw for tourists.


nY. Business Latino • Edition 39 |February 01-07 -2013

LEGAL AD

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P14 USHCC

nY. Business Latino • Edition 39 |February 01-07 -2013

UNITED STATES HISPANIC GM to Open IT Innovation Center in Georgia which will employ about 1,000 ROSWELL, Ga. – General Motors will hire approximately 1,000 high-tech workers to staff a new Information Technology Innovation Center near Atlanta. The automaker needs software developers, project managers, database experts, business analysts and other IT professionals for the third of four centers in the United States. “Locating this center in Atlanta makes good business sense,” said GM Chief Information Officer Randy Mott. “We can draw from a deep pool of high tech expertise through the surrounding colleges, universities and talent residing in the area.”

Marc Rodriguez, Chairman of Board of USHCC

The Atlanta Innovation Center will be located in Roswell, a northern suburb of Atlanta. “This Innovation Center is exactly the kind of employer we want in the state,” said Georgia Gov. Nathan Deal. “The information age will be with us for a long time, and attracting companies such as GM that are on the cutting edge of manufacturing and technology is a huge win for Georgia.” Javier Palomarez, President & CEO of the United States Hispanic Chamber of Commerce says, “GM has been a strong ally of the USHCC. The company’s commitment to creating sustainable employment opportunities by keeping jobs on American soil is a testament to its forward-thinking leadership.” Marc Rodriguez, Chairman of Board of the United States Hispanic Chamber of Commerce added: “The power of GM lies within its people. This new expansion proves they are at the forefront of our nation’s economy - putting skilled people back to work. We are proud to support them in their mission.”

CHAMBER OF COMMERCE

USHCC CONGRATULATES INFANTE ZUMPANO FOR SUSTAINED RECOGNITION AS ONE OF SOUTH FLORIDA’S MOST DIVERSE LAW FIRMS The United States Hispanic Chamber of Commerce (USHCC) congratulates Florida-based Infante Zumpano, one of the largest minority-owned law firms in the country, for once again being recognized by the Daily Business Review as one of the most diverse law firms in South Florida as well as having the most Hispanic attorneys. “Infante Zumpano has always believed that our clients’ best interests are preserved by having our lawyers culturally sensitive to, and reflective of the diversity of the community we represent,” says Partner & Director of Business Development Daniel Diaz Leyva. “We are grateful for this recognition by the Daily Business Review.”

usted donde publicar su

WASHINGTON- The United States Hispanic Chamber of Commerce (USHCC) announced the Honorary Co-chairs of its upcoming 23rd Annual Legislative Summit, slated for March 18-20, 2013, at the Capital Hilton in Washington, DC. The annual event a forum to address legislative and policy issues important to the growth and expansion of America’s small business community will be chaired by Rudy Beserra, Vice President Rudy Beserra, Vice President Alex López Negrete, President of Latin Affairs for The Coca & CEO of López Negrete of Latin Affairs for The Coca Cola Company, Cola Company Communications, Inc. and Alex López Negrete, President & CEO of López Negrete Communications, Inc. “The USHCC is thrilled to have Mr. Rudy Beserra and Mr. Alex López Negrete serve as Honorary Co-chairs of this year’s Legislative Summit,” said USHCC President & CEO Javier Palomarez. “The Legislative Summit is one of the USHCC’s signature events, so it is fitting to have it chaired by two of the Hispanic business community’s most prominent leaders.”

Anuncio Legales ?

Facil

Aqui está la información

As Vice President of Latin Affairs, Mr. Beserra bridges the relationship between Coca Cola and hundreds of Latino organizations and business nationwide. He served as Special Assistant to President Reagan for Latino and small business affairs, and has been a career-long advocate for policies that strengthen the economic contributions of Hispanics across the U.S. Since its founding, Mr. Alex López Negrete has grown López Negrete Communications to be one of the country’s premier Hispanic marketing agencies. Based in Houston, TX, the firm executes innovative Hispanic advertising and communications for a wide range of industry leaders. Companies that López Negrete Communications has helped to penetrate the Hispanic segment include Wal-Mart Stores, Microsoft Corporation, MillerCoors, and Bank of America.

Source: United States Hispanic Chamber of Commerce

USHCC Chairman of the Board, Marc Rodriguez added, “the recognition that Infante Zumpano received demonstrates that our Hispanic Business Enterprises are true leaders and are setting the standard in their industry. We wish them continued success.”

¿Sabe

USHCC Names 2013 Legislative Summit Co-chairs

“These two individuals will bring decades of experience to bear in driving the success of the USHCC’s 23rd Annual Legislative Summit,” said USHCC Chairman of the Board Marc Rodriguez. “Mr. Beserra and Mr. López Negrete represent the best and brightest of America’s Hispanic business community, and we know their contributions will help the USHCC ensure attendance at the Legislative Summit is a profitable investment for our community.”

“We are delighted to see one of our members receive the well-deserved recognition which they have earned” says USHCC President & CEO, Javier Palomarez. “Infante Zumpano recognizes that diversity is not only a responsible priority, but also a key to commercial success. We are proud to have industry-leading Infante Zumpano as our partner.”

Phone: 917-974-0681 Fax: 917-974-0681

media@NYBusinesslatino.com www.NYBusinessLatino.com


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nY. Business Latino • Edition 39 |February 01-07 -2013

Estilos y Opciones Para el 2013, el Explorer trae un montón de características de avanzada, que incluyen el sistema Sync activado por voz, el Touch con pantalla táctil basado en MyFord y muchas características de seguridad, incluyendo mas bolsas de aire, control de crucero adaptativo con alerta de colisión, carril de la salida advertencia y de mantenimiento de carrilassist. El Ford Explorer está disponible en el modelo base, y los modelos XLT, Limited y Sport. El modelo XLT Limited viene con ruedas de 20 pulgadas, encendido o entrada sin llave, arranque remoto del motor, pedales eléctricos ajustables con memoria, una toma de corriente de 110 voltios y un sistema de sonido de 12 parlantes Sony, con radio HD. Opcional para la Limited es el paquete 301A que incluye una puerta trasera eléctrica, una sistema plegable eléctricamente para la tercera fila de asientos, un asiento eléctrico de ocho pasajeros, asientos delanteros ventilados, volante telescópico con poder de inclinación y un sistema de navegación. A lo que el paquete 302A le añade faros de xenón, luces largas automáticas, un sistema automático de estacionamiento en paralelo, control de crucero adaptativo con alerta de colisión y asistencia de frenado, cambio de carril y asistencia de mantenimiento de carril, un sistema de alerta de puntos ciegos y cinturones de seguridad inflables fuera de borda en la segunda fila de pasajeros. El Explorer Sport viene con diferentes llantas de 20 pulgadas, asientos

delanteros deportivos y el interior único y exteriores con detalles de equipamiento sport. El Paquete 402A Sport trae la puerta trasera eléctrica, sistema de navegación, control de punto ciego, alerta de tráfico cruzado, cinturones de seguridad inflables, ajuste eléctrico de volante y ajuste de pedales, asientos delanteros ventilados, tapicería de cuero, memoria del asiento del conductor, asiento eléctrico del pasajero delantero y salida de 110 voltios. El sistema de navegación es opcional, como lo es el control de crucero adaptativo. Algunas de las características en la XLT y Limited con paquetes opcionales se pueden añadir como opciones individuales. Otras opciones independientes incluyen un sunroof de doble panel y un sistema de entretenimiento para el asiento trasero con dos pantallas montadas en reposacabezas. A este Explorer solo le falta algún equipamiento de la NASA. La verdad lo tiene todo. Diseño de Interiores La cabina del Explorer cuenta con una excelente construcción y trae materiales de alta calidad, dentro de un diseño atractivo y elegante. El tablero funciona con precisión al tácto y con el sistema opcional MyFord Touch. El aspecto general se ve con bastante abundancia. Gran parte de esa apariencia elegante viene de la interfaz MyFord Touch, que añade una pantalla de alta resolución, más dos pantallas adicionales para el conjunto de indicadores y los botones son sensibles al tacto de audio y el clima Es una interfaz

Sus asientos delanteros son muy cómodos y altos, y sin problemas de espacio. Los asientos traseros complementaran un total de siete pasajeros, tres adultos grandes en la segunda fila y dos adultos medianos en la tercera. Con sus 80 pies cúbicos de espacio de carga son suficientes para varias maletas grandes. Motor y transmisión El Ford Explorer viene de serie con un motor V6 de 3.5 litros que produce 290 caballos de fuerza y ​​ 255 libras-pie de torque. Una transmisión automática de seis velocidades y tracción delantera es estándar. En las 4WD es opcional e incluye sistema de gestión del terreno de Ford, un seleccionable de cuatro modos de sistema que optimiza la tracción electrónicamente para diferentes condiciones. Le agrega un control de descenso y asistente de arranque en pendientes, que también están incluidos. En carretera La Ford Explorer se siente sólida a velocidades de carretera y bien insonorizada. Se muestra firme sobre el pavimento roto y muy confiado en la negociación de las curvas. Ideal para viajes largos, e igual para el día a día en la ciudad, su andar es muy suave y cualquiera de sus motores responden sin problemas. Si bien este Explorer no ofrece una opción V8, el motor V6 del modelo base es lo suficientemente rápido y solido.

Diseño y Interiores

2013

bien desarrollada y diría que es de las mejores del mercado, sobre todo cuando se utiliza el complemento de sincronización del sistema por activación por voz.

Conclusión

En el último rediseño del Explorer, en el 2011, la Ford cambió la arquitectura que va desde la anterior basada en un chasis de camioneta con un diseño unibody de espacio interior más usable. Este diseño trae consigo una reducción de peso, lo que resulta en una mejor eficiencia de combustible y la manipulación más suave. Dentro de la cabina, el Explorer ofrece un elegante y bien acabado espacio para siete pasajeros. Hoy en día el Ford Explorer es más eficiente y de alto nivel todavía. También se ha convertido en uno de los SUV tecnológicamente más avanzados disponibles, con grandes cualidades dinámicas y una cabina silenciosa que pueda competir con los de muchas marcas de lujo. En un mercado lleno de competidores, entre ellos el Jeep Grand Cherokee, El Dodge Journey, el Chevrolet Equinox, la Explorer está al tope de las SUV medianas - grandes. Para mí, es, fue y sigue siendo una excelente compra.


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