Real Estate Equity – Investment Capital, Debt Consolidation or a Retirement Nest Egg?

There is a significant interrelationship between personal investment planning, credit purchasing and real estate ownership. On the face of it that may seem obvious, but the complexity of the interrelationship bears some scrutiny.

During the last quarter of the 20th century there was an amazing proliferation of the use of credit card purchasing. Credit card purchasing continues to gain use as a means for medium term financing for larger household needs, as well as, a means to spread over time individual fluctuations of income and other changes in the economy. Unfortunately, many Americans caught up in the economic prosperity of the several past decades have used credit cards to amass debt beyond or challenging their ability to repay.

It has been over two decades since Congress removed from the federal income tax code the ability to deduct interest payments on most credit/debt instruments “except” home mortgages. This Congressional enactment immediately catapulted the home mortgage market to the forefront. Suddenly, 2nd home mortgages and complete home refinancing became an attractive tax-incentivized debt consolidation tool. Of course, the financial sense of using a home mortgage for debt consolidation depends on several key factors. Among them is the rate of interest in the home mortgage marketplace, personal circumstances and a willingness to trade short-term debt for long-term debt on the prospect of real estate appreciation.

There continues to be substantial debate regarding the financial sense of maintaining equity in a home. In the simplest terms the two sides of the issue are:

Equity in a home can be put to better use. Essentially this means home equity that could be turned into cash should be invested in financial instruments that will outpace appreciation in the value of the home. This assumes that home equity cash can be put to more effective financial use. Second home or investment property purchases, tuition for education and high interest credit card debt are the more common uses of cash out refinancing or second mortgage financing and can all be considered a more effective application of equity depending upon circumstances.

* Conversely, as the home loan is paid down and home value appreciation develops the equity that builds eventually becomes a retirement nest egg. A debt free home is can represent utopia for those entering their retirement years.

As the debate goes on, the truth of the matter is that the best approach depends on factors such as economic climate, personal timing, property value appreciation and personal investment discipline.

Then there are the tax issues that play into nearly all financial decisions. As previously noted, home mortgages and second mortgages are tax deductible. This factor can be a significant decision point. The interest paid to the lender, as part of a mortgage payment, is deductible from federal and most state income taxes. Lenders provide notification of the amount of interest paid on a home mortgage during the tax year, and that amount may be itemized as a “qualified residence interest” deduction on federal, state and local income tax returns. The interest deduction is applicable to debt assumed for home ownership up to $ 1 million. The deduction applies to first and second mortgages, as well as, other debt instruments used to finance a primary residence.

Debt that is assumed for any purpose, but financed through a home loan, is also deductible so long as the amount of indebtedness does not exceed the lesser of $100,000 or the fair market value of the home.

Refinancing an existing mortgage to release equity without the additional benefit of an interest rate reduction may not be the most frugal approach. As with any mortgage there are specific closing costs associated with the transaction that is mostly based upon the amount of the loan. Conversely, a second mortgage for the purpose of extracting equity would normally create a much smaller loan and consequently lower closing cost.

When considering a second mortgage there are two distinct structures that normally come into play. The “Home Equity Line of Credit” generally offers a low interest initial interest rate and only requires the payment of the accumulated interest each month. The advantage of this structure is that it is a line of credit with a limit and the consumer only pays interest on the amount actually used. The risk factor is that it is a floating interest rate adjusted to a particular financial index such as “prime” or “cost of funds”. The option less adventurous borrowers elect is the standard fixed rate second mortgage amortized over 15, 20, or 30 years.

Regardless of the structure of the loan current lending criteria will likely restrict the amount of the mortgage to 80% “combined” loan to value (CLTV). This means that the maximum amount borrowed including the existing first mortgage cannot exceed 80% of the value of the property as determined by the lender’s evaluation.

Think differently when marketing your medical practice

In terms of marketing a medical practice, many physicians feel that several newspaper ads or billboards could have customers flocking to their office. Although they of selling may go healthcare communications to attract people for a while, it isn’t really enough to build an effective, thriving medical practice.

Marketing any adverse health care practice starts with your overall patients. These patients clients are already informed about the sort of care that you provide. One method for you to provide value for your patients while marketing your medical practice is always to send a monthly newsletter with health advice and tips. You’ll be able to send this newsletter via direct mail or you can get contact information from a patients and send the newsletter via email.

How we treat every single one of your respective current patients is really one of the many factors in having an effective medical practice that takes the long-term. The higher quality of care that you provide, the more likely they may be to keep loyal to you.

A really successful doctor in Sydney, Australia holds a yearly party for his patients in addition to their guests. He rents space in the local park and it has various activities create like mountain climbing, face painting and inflatable jumpers for him or her, plus he orders food for everybody.

People need to feel appreciated. Building relationships depending on genuine care could keep people returning every time they need your help. When you go the extra mile for the kids, they’ll go the extra mile for you. Sure, there may be other medical suppliers that offer medical marketing look after less and still have offices better your patients’ homes, however when you offer great service, people are willing to drive a bit farther to have that great service.

The internet has opened up numerous avenues so that you can advertise your medical practice. Nowadays most people do research the world wide web before buying a medical care practitioner, so it is in your best interest to examine marketing on the internet.

One method for you to advertise your medical practice on the web is to build a website and hire a web marketing firm to acquire clients searching the net for health care practitioners in the area.

A different way to market on the web is to start out your blog and talk about your medical practice. You may also write websites on almost anything in connection with the medical services you offer or provide advice for readers. Share this blog along with your current patients and encourage them to share your site with their friends and family.

1 / 3 method for you to advertise your medical practice on the web is to get involved with online community marketing websites like Facebook, MySpace, Twitter, etc. Most online community you can hunt for people in the area. If your patients are on these social media sites, invite these phones connect with you online.

Great patient care, providing value, and staying associated with your patients will make sure that you’ve a successful medical practice for quite some time to come.

Alcohol Addiction Facts ? Rehab

If you are suffering from an alcohol addiction, you are not alone. Alcoholism is a word that sometimes has negative social connotations, and just because a person drinks alcohol does not mean that they are an alcoholic. The amount of alcohol consumed varies greatly from person to person that develops alcoholism, and is also affected by genetic predisposition, and social and emotional health. Alcohol by definition is a disease that results from a persistent use of alcohol despite negative personal, emotional, financial, and professional consequences. Heavy alcohol use accompanied by dependence and symptoms of withdrawal, and the inability to recognize that every bad thing has been related to an alcohol addiction.

The sometimes uncontrollable urge to drink leads to constant preoccupation with the drug. Also leads to arrests for drunk driving and extra expenses for a good dui lawyer

According to numerous online sources, the most common substance of abuse resulting in dependence in patients presenting for treatment is alcohol. Overcoming an addiction to anything can be difficult, but there is help and hope available to people who want to stop drinking and get their lives back on track. The mind is more powerful than any drug, and to discover this is to truly be on the road to recovery. Addicts have to make a conscious choice to get and stay sober, one day at a time, and learn how to control the cravings. It’s not something that can be done alone, which is why there are treatment facilities all over the country, most of which are privately owned substance abuse recovery centers. The philosophy of AA or Alcoholics Anonymous has proven to be helpful to many alcoholics in their fight against alcohol addiction, and the program is often used as an adjunct treatment with other therapies, such as in an inpatient setting. AA also encourages communication with a sponsor to help guide the addict through the recovery process, and provide support while working through the program.

Learn more about effects of alcohol as well as alcohol facts and the truth about alcohol addiction and drunk driving. Some online literature discusses at length what drives alcohol addiction, detailing the effects of alcohol and describes some of the research being done to correct drinking problems. Alcohol continues to be the most greatly abused substance despite the wide-spread negative consequences. Even after public outbursts, divorce, loss of employment, revocation of driving privileges, and loss of life and limb, alcoholics continue to drink because it is so highly addicted in people who are predisposed to this disease. If you or someone you know is giving part of their life to alcohol, encourage them to get help. It may take a series of bad events to get the point across, and for many alcoholics, this is what it takes to see their illness in a different light.

What Employers Look out for in an excellent Resume

Contemplating work change or seeking the next opportunity soon? To maintain any career on the right track, it’s required to possess a strategy as the primary goal that includes upgrading the ladder once approximately every few years. One of the primary things any job seeker needs to do ahead of starting a career search, should be to create or update their resume.

Precisely what is the purpose of a resume, aside from the obvious? Will be most widely accepted format for resumes? Is it perfectly acceptable to feature “flare” on your resume, to ensure recruiters and employers take notice? Let’s take deeper take a look at resume, and discuss these issues in detail.

In line with Wikipedia, the formal definition of a resume, can be a document containing a synopsis or report on relevant job experience and education, usually for the purpose of obtaining a discussion when seeking employment. Additionally termed as a Cv, that’s the Latin term for “lifetime of life,” a resume should be updated often, to reflect new employers, additional educational courses, and relevant work experiences which are in direct line with target career goals. For instance, if an individual is often a professional author, who was simply recently has a published work in a significant magazine, they would want to add this with their resume, so that this experience could embellish their current successes within their chosen field. Conversely, should an individual require a needlepoint class in a local Junior College, this will not be put into the resume; because serves simply for personal pleasure, and no chance furthers professional qualifications. With regards to preparing or updating any resume, the real key ought to be on past accomplishments which enhance the individual’s capacity to reach their long and short-term career goals.

There are lots of forms of resume formats from which to choose, for example the following:

~ Chronological

~ Functional

~ Chrono-Functional

~ Hybrid

~ Combination

~ Scannable

~ PDF

~ Web-based

The goal of formatting the resume in a different one, or each of the formats listed, is to disclose one’s career record to prospective employers and recruiters, in a fashion that is acceptable for many years, with the factors like supplying the job seeker with target job opportunities. Honestly, there truly is no wrong or right strategy to prepare a resume, as all will deliver qualifications for the intended party. However, it’s important the resume be comprehensive, and essentially, market the individual’s skills and work experience with a way, that a hiring manager or recruiter is going to be motivated to take into consideration this person with regards to open position. When a person crafts their very own resume, as well as doesn’t receive interview requests from hiring managers, finding a professional resume writing service is recommended.

Consider this for example minute. Everyone receives sales brochures inside the mail. When leafing through this marketing literature, some companies present the knowledge better than others. In point of fact, some sales documents do a real good job of presenting their own personal product or service inside a compelling manner how the recipient reads all the information – even though they may not be searching for them. Relating this analogy to resumes, many job seekers believe they might power up their word processing program and have the same results as those achieved by way of a professional resume preparer. Experienced writers might have to be able to obtain excellent results. On this competitive marketplace, it might be essential to seek assistance in preparing the perfect resume.

When somebody creates or updates their very own resume, it is okay to include their particular personalized style for the resume. The truth is, within the sales, advertising, marketing or advertising industries, this is the best way for the candidate to exhibit their prowess, and rocket their resume up with the hiring managers’ stack.

On the other hand of the coin, if trying to land a career in the conservative field, the usage of creativity might not be appreciated. To prevent submitting the incorrect kind of resume into a prospective employer, always investigate the acceptable format for just a given industry.

So that you can perform successful job search, the preparation of an quality resume is vital to receiving interview invitations. Each job seeker must center on building a captivating, personal marketing document that allows the potential employer to visualize the individual’s value for their company.

Why should People Enjoy Caravan Holidays A great deal?

Many people look forward to spending a whole week at luxurious resort or hotel where are going to treated like royalty. Others anticipate their caravan holidays.

It isn’t just about the destination. It is about the journey. The instant that you just triggered towards the horizon is when the enjoyment begins. It will have one assigned driver or maybe more. Hopefully many making sure that she or he doesn’t reach miss every one of the fun on board. There may be plenty to accomplish, from handmade cards to napping, doing nothing, reading, consuming the sights, eating, etc. What other activities is possible in the moving caravan? Well, whichever they are, people who go by plane doesn’t arrive at enjoy them.

Travelling inside your portable college accommodation will give you a lot of room to improvise. Imagine if you fall in love with a place you are driving by throughout on your path for a destination? The answer then is as clear as water; you hit the brakes and prevent to enjoy its charm and beauty.

Having mentioned many of the important things about the journey, the destination itself has some positive factors over the college dorm at the heart of some city; it provides a sense of belonging. It is a fact that if you intend to go to a big city, a caravan is probably not probably the most convenient mode of transport. However , if you are interested in a time period of relaxation, to take a seat back and revel in life with family, a caravan could be on the list of top three choices.

Of course not everybody who chooses to own caravan holidays owns a caravan, no. You are able to rent any gift giving occasion caravan. Most of the caravan parks are situated either nearby the coast or near a topic park. Or just in the heart of nature with sufficient of trees and lakes around it for water activities. No matter the reason, they’re attractive locations with sufficient of entertainment suggestions.

Many people see a same caravan park year in year out. They meet their friends there and spend their holidays catching up, having lunch and dinner together. This is a strong bond that may be produced by sharing happy times. While for most people their holidays really are a limited period time a year, they tend to spend all of them with those friends they have come to know over the years. It’s a real sense of belonging. So you might say, such a holidays provides you with freedom but in addition commitment simultaneously.

If we speak about people whose preferred choice wouldn’t normally become a caravan park, having kids may be a deal breaker in terms of choosing their holiday plan. In a lot of cases caravan parks are the most useful option for any family with young children. What now with two children under five? Although your first number of destination could well be Paris, The big apple or Miami, a caravan park could possibly be the best and many fun holiday place to go for the household as a whole. After all, time flies and memories would be the only thing i am available.

Small Business Web Design – Enhance Online Presence

With an efficiently designed website, small business dealers can create a good impression and attract more people to their business. Small business web design services are now provided by leading companies in the field which aim at enhancing the online presence of their clients, thereby bringing more visitors to these websites.

Small business web design companies utilize the services of web developers and talented SEO professionals. Depending on the business owners’ needs, they carry out any sort of web design including data driven, custom, multimedia, flash, and E commerce. These providers can also redesign your existing website for a better look.

With creatively designed websites, proper communication with the website visitors can be attained. An ideal designer highlights the company products and information, appropriately blending graphics and advertising tools. Web designers take care of all aspects involved such as planning, designing, page layout and final finishing touches.

Besides having search engine optimized content, websites have to be effectively designed if you want to attract the right people to your business. To draw more customers, web designers normally utilize effective web design tools. Java, Flash, Video, Audio, CSS based and fast loadable websites are designed by the professionals. Incorporating innovative technology programs such as XML, MySQL, XHTML, PHP, and Javascript, they provide attractive website designs.

Professional website designing is available for all kinds of websites such as those dealing with real estate, finance, E-commerce, education, medicine, family, teens and more. Nowadays these services are available at economical rates to meet the needs of small businesses and home based businesses.

A perfectly designed website will be search engine friendly, meta tag optimized and properly linked with the other pages. So, if you wish to redesign your existing website or are planning to design a new one for your small business, ensure that you associate with a reliable and experienced web design service provider.

Car rental companies do provide dinner for toddlers, but will you look for it?

Of course, those of us with a good credit score can rent an RV and cook whenever we need food for the toddlers. That way, we can always take the emerging food preferences into account without undue waste and expense. It’s the same if we decide to go the route of camping. We can either pick the sites with cooking facilities or carry our own gas rings. Remember starting real fires in the middle of our current hot summer is not likely to endear us to Park Rangers and others trying to prevent wildfires from starting. So this gives you a shopping list of possible makes and models to shop for at the car rental agencies if you propose carrying outdoor cooking equipment.

Otherwise you load the people into the vehicle and set off into the wild blue yonder, full of the joys of the road and hope in your hearts. Those of you with toddlers will know they are just learning about the world and beginning to take some control over how they relate to it. One of the first symptoms of toddler control comes in emerging taste preferences. This is not to say any child should have a say over what gets put on the plate, but practical reality may call for some negotiation over how much is eaten. Most children go through phases of being picky. Many never seem to emerge from this phase. If you’re lucky, the child will only eat something available at every diner or restaurant. This may be macaroni cheese which has the benefit of being relatively cheap and nutritious, or it may be junk food which will encourage faster growth around the waist. Either way, you need food storage in the vehicle you rented so that, if there’s a mutiny and all outside food is refused, you can fall back on snacks when the real hunger kicks in.

Hopefully, the car rental companies offered guidance on the diners and restaurants offering child-friendly portions at reasonable price. If not, spend time on the internet searching out the likely places to eat. Never assume all diners will cater for your toddlers.

Houston Is A Transformed City After Dark

Rewind a decade back and we dare say that if someone suggested heading downtown Houston after dark, there would be many questions. There were not many reasons why one would actually leave the house for downtown.

Now, a decade later, the scene has changed. Everything’s so much more lively and fun downtown Houston. Charter bus, party bus or even luxury limousines are used for bar hopping adventures, bachelor parties or just a fun time with friends and family members. That is the kind of transformation that has seen Houston’s tourism industry growing by leaps and bounds. Tens of millions of people from out of town and foreign countries make their way here all year round. The pleasant year-long weather has a huge role to play for that decision.

A huge financial push in the real estate industry – One of the biggest reasons for the sudden tourism boom is the real estate industry. More people, more fun, more entertainment. Another great transformation is the pumping of funds into maintaining, developing and promotion of some of the largest tourist attractions in the city like the Minute Maid Park, Toyota Center and not to mention world class parks like the Discovery Green Park.

Bayou, where worlds meet – Although the public transportation system in Houston is mostly reliable and affordable, it makes more sense for large groups to make use of charter buses when visiting crowded attractions during the holidays. Wide acceptance of Houston’s growth was encouraging; hence the emergence of places like Bayou Place. Bayou is a vibrant place which was opened up in 1997 and measures, according to official stats, up to one hundred and thirty thousand square feet in total. It is the place where tourist can find all sorts of entertainment, including theaters, malls, comedy shows, restaurants, cafes, and night spots too. During peak periods, parking can be a huge problem and that is when using a Houston charter bus comes highly recommended.

Mosaic – DJing things up – If you are heading over looking for a fun nightspot, then consider Rocbar or Mosaic. These are DJ hot spots, which mean that there is often a showcase or showdown between talented DJs all year round. It is classy and casual at the same time. Big names in the DJ world has made their way here before in the past and who knows, you might get lucky and get to spend the night listening to a popular DJ spinning the songs out for you all night long while you enjoy your drinks.

Things have definitely changed for Houston and it is really more apparent during the night. No longer are the locals considered low-laying individuals with no time for partying, it is now a vibrant city filled with young people looking out for fun things to do too.

How To Raise Real Estate Investment Capital

Why Your Rich Uncle Won’t Invest with YOU!

Have you ever had a rich friend, uncle, or neighbor that will not open up their wallet to do business with you? There may be many reasons they refuse to do business with you. Let’s look at three common reasons and what you can do to get their attention:

1. Friends and family do not want money to get in the way of relationships. Disagreements over money have caused many rich families to become divided. One way around this is to create a company and make them a partner. Show them how investing in our company is no different from investing in a company in the stock market (except you both have more control). Set clear expectations of what each of you will provide to the company. If you’re smart, you’ll show them all the things you will do and all they have to do is write a check and examine the monthly/quarterly reports you send them. Your friends and family might also be more comfortable if you have other investors as well. There are many ways you can ease their fears and finding what those fears are is a good first step.

2. They don’t understand the investment. There is an old saying, “A confused mind says no”. Just because someone has accumulated some wealth does not mean they understand real estate investing. Here’s where you have to be very clear on what you do. You can’t overwhelm your investors with the blow by blow details. They need to know what you will do with their money, how they are protected, what their return will be and when they will receive payment. That is not to say you should hide any pertinent details, however they don’t care that you will be painting the rooms off-white.

3. You lack credibility. Let’s face it, unless you have a huge investment portfolio you are still somewhat unproven. And for that matter, friends and family have known us at our worst (they remember we got a D on a test back in the third grade). This is where your board of advisors and partners become extremely important. While Aunt Susie might be willing to loan you a couple hundred dollars, she wants to know her $100K is going to come back to her. If you have done some deals, make sure to highlight them in written format. Additionally, correctly chosen business partners or advisors with experience can also increase your credibility. To help with your personal credibility put together a professional looking credibility kit. To help with the credibility of the deal, put together all the numbers, pictures and a summary of the investment in a professional manner. (Personally I did not invest with a known “guru” because the presentation wasn’t done professionally). The details in the presentations matter.

Not all of your friends, family or neighbors with money will do business with you. If you want to increase your success rate then make sure you are sending out a clear, concise, and professional message. After you’ve done a few successful investments, they’ll be asking you to get involved.

Dog Friendly Apps

Conveniently, there are many apps out on the market that are “pet” friendly. Our society enjoys the companionship that both dogs and cats have to offer. That is why companies have begun to help people who love their four-legged companions. Now help is at the convenience of a push of a button.

Traveling with your pup

If you are traveling with your pup, not all of the hotels you pass are going to let your canine friend stay in the room with you. That’s why “Android” has provided some apps that let you locate pet friendly places to stay for the night. “Hotel Planner” is an application designed to locate hotels nearest you.You can even save yourself a room at your convenience. The bonus is that the application informs you of their rules and regulations on your trusty companion. This can prevent the hassle of searching for a place for you and your canine friend to stay for the evening.

You’re tired, your pup is tired, you don’t want to be hotel hopping in the middle of the night. You can get ahead by being prepared for your next trip. “Hotel Booking” is another “Android” application that offers similar options, most importantly, being able to locate a nice place for you to spend the eve with your puppy.

Applications by “iPhone” do not yet provide pet friendly hotel locations, but do make your stay in an unfamiliar area more pleasant for you and your doggy. “Paw Trotter” seems to be the most universal app. It provides locations for all kinds of pet oriented locations that range from parks to veterinarian’s offices.If you are out of town, but still seeking some quality time with your pup, this application allows you to search for places throughout the United States.

If you come across a new location, they even ask you to submit it as an addition to their provider. ”Off Leash” is another application that uses GPS to specifically search for the five nearest dog friendly parks so that you can get your morning walk in, or enjoy a good game of fetch while out on the road.
Instant answers

If the worst situation happened to occur, “iPhone” offers an application called “PetMD.” It provides information that can help you help your canine friend in a bad scenario. This application may be a handy tool, especially if you are traveling and are not close to a veterinarian that you may trust. While traveling, a “pet doctor” is not always conveniently around. This application provides you with information that can range from broken bones to snake bites, so that you can assist your four-legged friend until you can get them to the vet. Optionally, “iPhone” offers an app called “Pet Notebook” that stores important information such as shot updates for your companion. This saves the hassle of carrying paperwork with you as you and your doggy enjoy a vacation away from home.

Whether you are on a business trip, or just getting away from the monotony of home, there are several phone applications that provide you and your friendly companion a safe and fun trip. Enjoy and Woof!