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Google Declares War
On Skype, Lets You
Make Calls From Gmail--


Google just announced a major push into
the voice-over-IP industry currently
dominated by Skype, letting people make
phone calls directly from Gmail.

The new service allows Gmail users
to dial any of their contacts' phones
with a single click, or manually dial
numbers. Calls within the U.S. and
Canada are free; various per-minute
rates apply to calls elsewhere.

Google is touting the fact that its
metered rates are lower than
Skype's in most countries, in some
cases significantly so. On the other
hand, as Search Engine Land's
Danny Sullivan points out, Skype
offers a very reasonable unlimited
international dialing plan.

Regardless, this is obviously not
good news for Skype ahead of its
IPO, but it isn't anything unexpected:
Google has been working on VOIP
with Google Voice for some time
now.
--------------------------
Skype is a software application
allowing users to make voice phone
calls over the internet. It was
developed by Estonian developers
Ahti Heinla, Priit Kasesalu and Jaan
Tallinn. It also features instant
messaging and video conferencing.
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Google to allow phone calls from Gmail
Google Inc said users of Gmail will now be able to call telephones directly from their email, putting it in
direct competition with Web calling service Skype and more traditional operators such as AT&T Inc and
Verizon Communications.
Google Inc said users of Gmail will now be able to call telephones directly from their
email, putting it in direct competition with Web calling service Skype and more
traditional operators such as AT&T Inc and Verizon Communications.

While Google had already offered computer-to-computer voice and video chat
services, it said that starting on Wednesday it will now allow calls to home phones
and mobile phones directly from Gmail for the first time.

Google promised free calls to U.S. and Canadian phones from Gmail for the rest of
this year and said it would charge low rates for calls made to other countries.

For example it said calls to Britain, France, Germany, China and Japan would be as
low as 2 cents per minute.


Analysts said the service would likely be a bigger competitive threat to services like
Skype's than to traditional phone companies, which have already been cutting their
call prices in recent years in response to stiff competition.

"This is a risk to Skype. It's a competitor with a pretty good brand name," said
Hudson Square analyst Todd Rethemeier.

Skype, which owned by private equity firms and eBay Inc and planning a $100 million
initial public offering, has long allowed consumers to make calls from computers to
phones. Skype became popular by first offering free computer-to-computer voice
and video services.

Like Skype, Rethemeier said the Google service will likely be much more popular
among U.S. consumers making international calls, than among people calling friends
inside the country.

"Calling is so cheap already that I don't think it will attract a huge amount of domestic
calling. It could take some of the international market," he said.

Another analyst, Steve Clement from Pacific Crest, said that anybody who is tempted
by Internet calling services has likely already disconnected their home phone.

"The type of person who would use a service like that isn't the type of customer who
still has a landline," Clement said.

Google said making a call through its service works like a normal phone in that a
user could click on the "call phone" option in their chat buddy list in Gmail and type in
the number or enter a contact's name.

Calls that cost money will be charged from an online account that users can top up
with a credit card, Google said. The service will not be available for making outgoing
calls on cell phones because other Google apps already cater to that market, the
company added.
The Income-Tax Treatment of Life Insurance/
ADVANTAGES OF A LIFE INSURANCE POLICY.

It is important to know how certain tax benefits
come into play with death proceeds and living
benefits.

Historically, life insurance has been considered beneficial to the
public good because it contributes to the financial well-being of
families. As a result, there are certain tax benefits for life insurance
products. It is important to know how these come into play with the
death proceeds and living benefits of an individual life insurance
contract.


Premiums: Policy premiums are considered a personal
expense and are not deductible for income-tax purposes. Exceptions
to this include premiums that a person paid for life insurance in an
alimony agreement or for a policy that is owned by and paid to a
charity.

In business situations, employers may deduct premiums as a
business expense if they are paid in the form of a bonus to the
employee. If life insurance is part of a pension plan, employer-paid
premiums are deductible.

Death benefits: Death proceeds are generally exempt from
income
taxation when they are paid in a lump sum.


Accelerated death benefits: For an insured who is terminally
ill, the
amounts he receives are excludible from income because they are
considered as payable by reason of the death of the insured. A
physician must certify the terminal illness, which must be expected to
result in death within 24 months.


Transfer for value: When a policy is transferred for
valuable
consideration (according to the IRS, any absolute transfer for
value of a right to receive all or a part of the proceeds of a life
insurance policy) to another owner, part of the death benefit becomes
taxable. The taxable amount is the death benefit reduced by the
amount paid to transfer the policy and the premiums made by the new
owner. Transactions exempt from this rule include situations in which
the policy is sold to the insured.



Matured life contracts: When a policy reaches the maturity
date, the
proceeds are not considered a death benefit, and any gains in the
policy are considered ordinary income for the tax year in which they
are distributed. Gains are amounts received in excess of the cost
basis, the amount paid with after-tax money.


Dividends: The cash dividend is taxable only when
it exceeds the cost
basis. Dividends are generally taxed on a first-in first-out, or FIFO,
basis; withdrawals are treated as a nontaxable return of capital
(refund of premium) to the extent of the premiums paid. If dividends
are withdrawn or the policy is surrendered, proceeds received in
excess of premiums paid are considered ordinary income. If
dividends accumulate at interest, the interest earned is
taxable.


Loans: Policy loans are normally not taxable. If a policy is
surrendered with a loan outstanding, and if that loan, with other cash
value, is greater than the cost basis, there is a taxable gain.


Cash surrenders: Upon surrender, it must be determined if the
amount received exceeds the net premiums paid. Net premiums paid
means the gross premium less any dividends received and
outstanding loans. The difference is reportable as ordinary taxable
income in the year it is received
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