Sunday, December 31, 2017
Friday, December 22, 2017
Real Estate Financing
It’s not easy to buy a first home, so here’s a suggestion that may be surprising: Instead of buying one residence, buy several. What I’m suggesting has nothing to do with late night infomercials or books that promise fast and easy wealth from real estate. Instead, many first-time buyers can benefit from an interesting quirk in the mortgage system.
When you hear people talk about “real estate financing” they generally divide mortgages into two categories; loans for owner-occupants and more expensive and tougher loans for investors.
“Investment financing” is for buyers who do not physically reside at a property. “Owner-occupant” loans are for homes, the places where we stay at night, the phone rings and the car are parked.
But there’s a wrinkle:
Owner-occupant financing with little down and low rates is typically available for the purchase of more than a single-family house. Normally you can get owner-occupant financing for properties with one-to-four units as long as you use one as your prime residence.
In other words, your status as an owner-occupant allows you to buy more than just a house or condo. You can actually buy property that produces rent and increases your tax deductions.
When you buy properties with two-to-four units the world of real estate financing changes. Lenders will apply most of the rent to your income for qualification purposes. This means you can borrow more — and also that you can offset loan costs with the rents such properties produce.
Suppose you buy a property with four units. You’ll live in one and rent the others. Each of the three rental units has a fair market rental of $1,000.
In this situation, you’re likely to get two benefits. First, the lender will count some portion of the rent — say three-quarters — as income for you when determining your qualification standards. In other words, $2,250 a month will be added to your income. ($1,000 x 3 units = $3,000. $3,000 x 75% = $2,250)
Why $2,250 and not the whole $3,000? Because the lender assumes you’ll have vacancies, repairs, insurance, taxes and other costs for the rental units.
The lender also assumes something else: For tax purposes, three-quarters of the property in this example will be “investment” real estate. When reporting your income taxes you’ll list your rents and costs for these units. One of these “costs” will be depreciation, an accounting device that will lower your taxes but take nothing in cash from your pocket.
When lenders see depreciation they “add back” that cost when looking at your monthly income. The result is that your effective monthly income for loan qualification purposes will increase even more than $2,250 in this example.
Buying two-, three- and four-unit properties can make great sense, especially for first-time buyers. You’ll have “help” meet monthly mortgage payments, especially in the first few years of ownership — the time that’s often the most difficult. Later on, if you elect to move you can sell the property or you might choose to keep it and just rent out the unit had been your residence.
As with all investments, neither annual income nor rising property values can be guaranteed. Some owners may feel uncomfortable having tenants so close and there’s always the potential for insufficient rents, excess vacancies, and big repairs.
Also, beware of going too far. While up to four units are okay, five units automatically classify the property as “investment” real estate under the guidelines for most loan programs, a title which means you cannot use owner-occupant financing even if you live on the property.
The good news, though, it that as an owner/occupant and also as a landlord you’ll learn a lot about the practicalities of real estate investing.
Real estate ownership requires ongoing maintenance and oversight. As an owner-occupant with a few units, you’ll learn “on the job” about making repairs, dealing with tenants, hiring contractors and maintaining the property. These are valuable lessons which can provide income and wealth over a lifetime. In fact, many people who’ve become successful in real estate often started with just one small property, owner-occupant financing with little down — and two to four units.
For details, speak with appropriate professionals. Lenders can tell you about available financing; real estate brokers can provide information regarding local rental patterns plus you’ll want a pro to explain the tax benefits of multi-unit ownership.
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Black and White Photography
You know, there is something that is definitely more artistic about black and white photography. I know I am getting a little away from the overall concept of digital photography. But as a photographer, you will no doubt run into the phenomenon that is black and white photography.
I can remember vividly a photography named Michael Zagaris who is the team photographer of the San Francisco 49ers. He said that he was just captivated by the use of black and white photography. The way the light and the shading are so much more evident. This helps contribute to the overall feeling and emotion of the moment that the black and white photo captures.
Some of you may be saying to yourselves that color photography has surely taken the place of black and white photography, and I would say that for the most part, you are correct. An interesting note here is that black and white photography still holds a degree of nostalgia for most photographers, amateur and professional alike.Perhaps one reason for this nostalgia is of course that photography was first taken on black and white film. Not only that, but many photography students are tasked with taking black and white photos when they are in their first photography classes. I know in my first digital photography class I was astounded at the very idea. Only later when the photos were developed did I truly start to appreciate black and white photos.
Therefore if you are an amateur or even experienced photographer, I would encourage you to give black and white photography a try. I think you will be pleasantly surprised at the level of sophistication it takes to really pull off a great black and white photo. After that, you may be able to take in some advanced photos such as adding one stream of color. You may have seen these kinds of photos before when the photographer allows one color to be very evident in a black and white photo. For instance, I can remember a picture of a little girl in a black and white photo, but the coat she was wearing was bright pink. It was the great moment to capture.
As for taking the black and white photos themselves, more advanced digital cameras have gray-scale mechanisms that allow to this. Also, you can have the color picture converted by using a digital photography software such as “Photoshop.” Give yourself a chance in black and white photography. I think you will be pleasantly surprised by the results.
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Thursday, December 21, 2017
PHOTOGRAPHY SERVICES
Photography is the art of reproducing pictures of people, objects or places in their exact likeness. These images can be transferred on any photosensitive material. Photography includes taking and printing pictures.
The backbone of photography is the camera, the instrument or device that works on the principle of optics. The camera and photographic techniques have undergone phenomenal changes since the time the first camera was made. The earlier model did not contain the film; instead, it had a small light-shield box with a lens and translucent screen on either side. The image that traveled through the lens was stored on the screen. Known as ‘camera obscura,’ it was no more than a sketching device for artists.
Then the scientists discovered the quality of silver nitrate that changes its color when exposed to light. This was the beginning of photogram, a method of making permanent images.
They would place objects on the paper dipped in silver nitrate and expose it to the sunlight. After some time the area covered under the object stayed white while the rest of the space turned black. However, the image formed was temporary, so the method did not last long.
Over the centuries, the principles, the method and the material used in photography went through many changes. After experimenting with various methods like Daguerre and calotype process, finally, collodion, or the wet plate technique was universally accepted.
Modern photography has given a totally new meaning to the entire perception of life and privacy. Photography has made it possible to capture and preserve special moments, in private and in public life. History became more authentic with pictures, and photographs served as evidence in many cases. People made their family tree in their albums. Suddenly life was so much more fun and meaningful.
With the tremendous technological advances in the art of photography, it is no more just fun and frolic but has acquired the dimensions of a full-fledged profession. Photography has many branches and types, such as:
– Aerial photography is the art of taking photographs from the air.
– Art photography is devoted to beautiful pictures for the sake of beauty only.
– Studio or advertising photography is dedicated to the promotion of products and institutions.
– Photojournalism takes pictures of events to support the news story and to create awareness among the people.
– Outdoor and travel photography is focused on taking pictures of landscapes and natural places.
– Sports photography records images of the sporting events and games that take place in the world.
– Some types of photography like the macro and scientific and macro or close up photography are restricted to specific fields and are not widely known.
The charm of photography lies as much in the end product as in the process of taking pictures. Looking at an album is like taking a trip down memory lane; it makes us feel highly nostalgic and emotional.
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Offshore Banking
What is offshore banking?
Offshore banking can be defined as using the services of a bank located in a different jurisdiction or country than the depositor resides in. Offshore banks are usually located in places considered as tax havens and also provide additional confidentiality and security for the depositor.
The term offshore was originated from the British Channel Islands, tax havens located literally offshore from the United Kingdom. These were the original tax havens and they started the usage of the term offshore for describing the industry. Those islands became major international banking centers because of those tax benefits and regulations. They were optimal places to hold assets abroad or save and invest.
Offshore bank accounts are often less regulated than domestic banks due to fewer restrictions from their governments. This allows for more types of offshore banking accounts and ways in which they can be manipulated.
Offshore banking has become a major worldwide business that circulates $2 Trillion every day. That’s a far shot from just a few decades ago where there was a very limited number of offshore financial centers, which were usually surrounded by myths of drug money and illegal activity.
What services are available?
Just like with your regular domestic banks, you can obtain a full spectrum of services can be obtained from your offshore banking center.
These services include personal and corporate checking and savings accounts. These offshore financial centers also offer secure internet banking facilities that allow for wire and electronic funds transfers, debit and ATM cards which are accepted, worldwide, credit cards, Loans and mortgages. Some even go so far as offer Anonymous numbered accounts to provide for extra confidentiality.
Investment management and custody is also provided by some banks. They also have Corporate Administration services, trustee services, fund management and foreign exchange. Banks tend to specialize between retail and private banking, so all the listed services might not be available at every bank. retail banks tend to be more economical and offer standard services. Private banking services, while more costly than their retail counterparts, tend to offer more personalized services for their clients.
Advantages
Privacy is the first to come to mind, considering that offshore entities have no obligation to release any of your personal or business information. Unless evidence can be shown proving your involvement in criminal activity, your information will not be given to any governing body or tax authority. Pretty much, they can’t sue for or seize things which they don’t know exist.
Because of offshore banking centers usually being located in Tax havens, your assets can grow almost free from any form of taxation. Thus, tax efficiency is another important benefit of holding assets overseas. This does not mean that you can avoid taxes altogether. There may be tax liability when trying to retrieve your assets to your country of residence.
Asset Protection is another one of the main benefits offered by offshore banking services. Holding offshore accounts gives you protection from Invasive bureaucracy, lawsuits, and it also protects your assets from seizures.
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Commercial Real Estate Tips
In this day and age, there is not enough information that you can get in regards to commercial real estate. You might not only need help making your own new decisions, but you may also need to solidify what you already know. This article should help you due to the clear and concise manner that information is provided.
With commercial property values being so high, it is important to seek out partners who can share the cost and the investment with you. This helps guarantee financing. Of course, these people need to be people you can trust, and the deal that is worked out needs to be engaging for all parties so that trust is kept.
When dealing in commercial real estate, never act in haste and end up making a bad decision. Commercial real estate deals do take longer than family houses do. Everything takes longer: completing the purchasing transaction, re-modeling the property, getting it sold. This is not a negative thing, but just something to keep in mind.
Commercial real estate is very good for two primary purposes. The first way to invest in real estate is to come up with an idea for a business and purchase the land. Another good investment opportunity is to purchase the land but then rent it out to another businessman.
Acquire a current appraisal of the property before you go to a lender and ask for financing. This appraisal will help you in getting financing as well as making the final decision about how much money to offer the seller of the property. Knowing the property’s true worth is going to help you in many ways.
You should always consult an expert if you are interested in buying large amounts of real estate. There are many people out there that try to make plans to do large real estate deals alone and they inevitably fail. Have someone in your corner that knows what they are doing.
If time is against you in regards to buying commercial property, make sure that you are never forced to make a transaction. Making a bad decision is worse than making no decision at all, as you should only sign on to things that you believe in. This will allow you to get the best bang for your buck.
Be patient! Commercial real estate deals take much longer! Don’t be discouraged by not closing your first deal yet! Just like anything, real estate has a steep learning curve. It will take extra long to get used to it – screen the deals and make offers and such.
When financing your commercial real estate endeavors, one vital thing to keep in mind is to always negotiate for the best deal. The first offer you receive is very rarely the best one you can get. Stand up for yourself and your business, and show potential lenders that you are serious about your success.
In conclusion, you cannot get enough data about commercial real estate. Hopefully you were able to clearly absorb all of the tips and tricks provided. With the details provided in this article, you should be able to not only make wise choices on your own, but also be able to provide others with beneficial information.
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TAX SERVICES
The Federal, State, and local Governments have established a long list of publications to help taxpayers learn about the tax system. Businesses need access to a variety of tax services to perform daily business operations and these publications will teach small business owners how to fill out tax forms correctly. Tax services are provided free of charge to those that contact the Government agency for guidance by telephone or through regular or electronic mail services.
Government agencies will provide tax services such as audits when discrepancies are noted on individual or corporate tax returns each year. This is one tax service that every American wants to avoid because penalties can be accessed for errors and audited tax forms usually mean that the taxpayer will owe additional monies. Some people might rely on a tax consultant for advice before they will attempt to file taxes on their own and this expense is justified by corporations who amass millions of dollars in revenue each year.
Accountants will use these tax forms throughout the year to ensure that all taxes are paid on time because late payments will accrue late charges that could result in the company paying thousands of dollars in penalties. The publications will contain tax schedules that might seem confusing at times, but with one simple telephone call the accountant can verify if the tax computations in use are the correct ones.
Millions of people in the United States will order publications to help them prepare tax returns every year. The Internal Revenue Service provides a limited amount of tax services directly with the public but will provide publications that explain tax-filing procedures completely. Many publications will contain sections for handling frequently asked questions and taxpayers can contact the Internal Revenue Service by email if some information is still unclear.
Tax laws change every year and preparing tax returns can be perplexing to many people. Many taxpayers will place the responsibility for preparing tax returns each year in the hands of a tax services specialist. Every tax specialist is thoroughly trained in business and individual tax filing needs and those that prefer to fill out tax forms on their own can arrange to attend classes on tax preparation. Accessing information about these classes is as easy as reading advertisements in local papers.
Taxpayers who prefer to file taxes electronically have access to a wealth of information on taxes in the database contained on the tax preparation software. The databases will clarify every factor concerning taxes in a block-by-block breakdown. The computer program will query taxpayers on the information that is needed to complete tax forms such as personal information requirements, business assets, incomes, inventories, and charitable contributions.
Accessing information about tax services through the internet search engines is an easy way for taxpayers to keep current with the current tax structure. Some taxpayers need more information on paying a tax debt and through the internet they can find tax service help that is provided by financial professionals that were previously employed by the Internal Revenue Service and are thoroughly familiar with the way audits are done.
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Mobile Privacy
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Niche Marketing Strategy
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Keys to a successful online campaign
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Hot Stone Massage
Heard about hot stone massage? Have you tried indulging into this kind of therapeutic practice? If not yet, then I bet it’s now time for you to know what a hot stone massage is and what it can do for you.
The concept of hot stone massage has become widely valued and accepted in the healthcare industry today and a few years back. Numerous reports have in fact noted that from the past four years, hot stone massage became the rage of therapeutic centers, spas, salons, and clinics all over the world. Today, the concept is widely recognized as one of the most effective enhancement to the regular and traditional massage therapy practice.
Origin of the Therapy
Contrary to the popular belief, the concept of hot stone massage was not first recognized in the desert of Arizona, or by the visions of saints as once claimed by the massage therapists. The truth of the matter is, hot stone massage’s origin can be traced back 5000 years to India, with the ancient healing tradition of Ayurveda. According to some researches, this therapy originated from those healers who have used rocks from the river beds and warm them in either hot water or hot coals before using them to treat any feeling of discomfort in the body. It is through this practice that the concept hot stone massage therapy was born.
The Basics
Hot stone massage, also known as heated stone or la stone massage, is said to be a unique sort of connection that people experience with nature. This labeling perhaps stems from the fact that hot stone massage involves the use and application of water-heated basalt stones of varying shapes and sizes to heal whatever sort of imperfections there is in your system.
The stones are usually placed on the key points of the body, like the spines or the hands, while the therapist is giving a deep massage. According to some experts, the heat on the stones, when directed to the key points of the body, creates dramatic and profound results as it relieves the tired and fatigued muscles. Aside from this, many of those who acknowledge the capabilities of hot stone massage claim that the warm stones will greatly encourage the exchange of lymph and blood circulation throughout the body.
The wonders of hot stone massage don’t just end there. Many have further said that hot stone massage will even calm the nervous system, relieve stiff muscles, open the tight joints, and free blocked energies in the body, allowing the body to function the way it used to be.
To sum it all up, here are the benefits that hot stone massage can give you:
* Improves circulation
* Stiff muscle relief
* Opens tight joints
* Soothes the nervous system
* Releases blocked energies
* Aids deeper relaxation
With all these benefits, it’s no wonder that hot stone massage is now deemed ideal for people who are highly sensitive to deep pressure. The technique is also considered as best for those who are affected by fibromyalgia with the heated stones gentleness and smoothness. And, since the stones provide relief from tired and fatigue muscles, the hot stone massage is no doubt great for those who have passions for skiing and hiking.
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Online Marketing Made Easy
For anyone interested in growing their business or maximizing the return of their marketing spend, online marketing is one of the most effective means of doing so. Online marketing is effective as a part of a well developed marketing plan.
What is Online Marketing?
Online marketing has come to mean many things. You can consider online advertising, search engine marketing, affiliate marketing, and even SEO (search engine optimization) as online marketing. It has also changed and evolved over the last decade. With the advent of Google Adsense and other forms of targeted, pay-per-click advertising, online marketing means a whole lot more than 468 X 60 banners.
When thinking about the types of online marketing available today, you really need to think about the objectives of your online marketing spend. Are you looking to sell a product? Drive prospects to your web site or marketing pages? Create awareness for your company? The most important thing to remember is that your online placement, creative, and offer must be consistent across the web and your own website or retail establishment. This creates a seamless buying experience, increasing the odds of a purchase being made once a browser clicks on your online marketing creative.
As mentioned previously, online marketing also includes affiliate marketing – a method of utilizing partner sites to distribute your products or services. One of the best methods of developing an affiliate network is by providing content in addition to an aggressive affiliate commission plan. Other web sites seek out content and useful information. If you can provide meaningful content to partner sites with an opportunity to earn money at the same time, they’re likely to participate in your affiliate program.
It’s important to realize that Search Engine Optimization is also a component of online marketing. Too often, SEO is not considered part of the online marketing mix. However, it is one of the most important aspects of an online marketing campaign. When launching a new product or marketing an existing one, make sure that it’s easy for individuals to find your website and offer page. Browsers who see your online ads may not click right away. Rather, prospective buyers may later be searching for your promotion when a specific need arises. Think about the keywords prospects may use to search for your offer and optimize your pages accordingly. Also, be sure to link to your promotional pages from your web site’s home page to optimize search result rankings.
Why is Online Marketing Important?
Online marketing often provides direct responses and the ability to measure campaign effectiveness. This immediacy helps you to test your offer(s) and creative, as well as measure the overall return on your marketing investment. Having the ability to evaluate effectiveness in real time allows you to reposition your marketing spend or switch out creative to increase results.
With more than 68% of homes having internet access and about two-thirds of them having a high speed connection, the web has become a reality. If you wish to reach the majority of consumers, you need to include online marketing as part of your overall marketing mix. Online marketing also gives you the opportunity to segment your market, providing highly targeted positioning. Unlike traditional advertising, online advertising allows you to select the sites upon which you run your ads. There are also many services which help you deliver ads around appropriate topics or contextual pages.
Best know for contextual and pay-per-click advertising, Google allows you to choose specific keywords around which your ad can be displayed. When individuals search on the keywords you’ve selected, your ads will appear. The power of Google is the affiliate network they’ve created which displays their contextual ads across hundreds of thousands of websites. Despite recent allegations of click fraud, Google still provides one of the most targeted online marketing options. Other services, like Overture, owned by Yahoo! provide similar services that deliver targeted online marketing.
Who Can Benefit?
Anyone who is interested in improving their marketing results should think about the role that online marketing plays in their marketing mix. Because there are so many ways to engage in online marketing including advertising, contextual ads, pay-per-click advertising, affiliate programs and more, the practice is sure to benefit anyone who is seeking a measurable return on investment.
Before beginning any online marketing campaign, you should always determine your budget – how much you’re willing to invest in your marketing efforts. Ask yourself how much you’re willing to spend? What type of conversion will you need to break even? What you anticipate your click to purchase ratio will be? Understanding these fundamental financial metrics is essential to determining how much you’re willing to spend on your online marketing efforts.
How to Begin.
Starting your online marketing campaign can be as simple as bidding on a few keywords or as complex as developing a comprehensive online marketing campaign that consists of multiple buys across a network of websites. As with any new marketing venture, it’s best to start small and work your way up to more intricate marketing campaigns.
My recommendation for beginning your online marketing initiative is to focus on your own site (developing promotional banners, buttons, and content), creating an affiliate program, and pay-per click advertising. The first two methods should cost little or nothing to implement and will propel your campaign forward. Supplemented with pay-per-click advertising, your marketing message is sure to reach your intended audience.
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