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Firefox: Shrink Your Most-used Tabs – Tekzilla Daily Tip

Looking to maximize your screen real-estate with Firefox? This quick tip shows you the secret of shrinking your most used tabs, so you can have more of them on top. Great tip for Firefox browsers

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U.s.real Estate:how It Affects Your Financial Future

McAlvany ICA presents financial, political and geo-political information to aid investors in developing sound alternatives for their portfolios in uncertain times. Topics of discussion: U.S. Real-E…

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How To Stimulate Your Real Estate Website

Ever wonder why it is getting harder and harder to get your real estate website higher in the engines?
The web is growing at an exponential rate.
Your site is losing …

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Hustling Right Now In Your Real Estate Business- Are You?

Real estate training Are you spending 70-80% of your time in dollar-producing activities in order to grow your business? In this video Tom Ferry challenges you to pick up t…

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Name Your Price With Arizona Real Estate!

If you’re looking to buy or sell a home, there is plenty that you need to know about Arizona real estate. When it comes to Phoenix AZ real estate, you might think that now isn’t the best time to buy or sell, but you might be wrong. If you can find an AZ real estate agent that knows the area, you can very easily buy the home of your dreams or sell your own home, no matter what condition the market is in. The Arizona real estate market might make it a little harder to buy and sell Phoenix AZ real estate, but AZ real estate is cheaper than ever, so buying is great right now. Arizona real estate isn’t impossible to sell. It might be a little more difficult, but as long as you price your home right, finding an Arizona real estate buyer shouldn’t take very long at all.

The Arizona real estate market is primed for buyers right now. Whether you’re a first time AZ real estate buyer or if you’re just looking to purchase a different piece of Phoenix AZ real estate, you’ve got plenty of options. People are selling Arizona real estate faster than buyers are snatching it up, so you can practically name your price. Although the economy is a little slow and you might find it a little more complicated to get a mortgage right now, as long as you do, you’ll be able to find the Arizona real estate that meets your needs. If buying Arizona real estate is something you’re serious about, contact an agent that can help you get the best deal.

Arizona real estate isn’t really a place for sellers right now, but it can be. If you take the time to find a licensed AZ real estate agent, you’ll be much better able to know how to effectively sell your home and get out of it much quicker than if you sold on your own. This is because Phoenix AZ real estate agents know the Arizona real estate markets and are able to advertise your home better, which will elicit quicker sales. If you’re trying to avoid foreclosure by selling your Arizona real estate, make sure you let the agent know this and they can help you sell fast.

Whether you’re buying or selling, having an AZ real estate agent on your side can be very helpful. It doesn’t matter if you’ve purchased homes before or if Arizona real estate is your first venture into home buying. If you’re selling, Arizona real estate agents can help you get your home sold, too, which will take the stress off of your shoulders. Phoenix AZ real estate is a tricky market to get into at times, but if you’re prepared and informed you’ll have a better experience. Arizona real estate agents offer a little bit of something for everyone, so you’re sure to find the help that you need. As long as you take the time to research Arizona real estate and know what you’re getting into, your real estate endeavors shouldn’t be complicated.

Reed Lattin is a new homes specialist in Phoenix, AZ and the owner of Check out Arizona’s most powerful and free new homes search which will save you huge money and time. We save our clients over $27,000 and our service is free. We are members of the BBB 480-227-5214

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What Your Real Estate Agent Won’t Tell You – Part I

Buying a house -  The realistic approach

This article is not about the secrets of buying a rental property for no money down and half the price of the market value of the house. I am not Tom Vu or Don Lapre and I am not in jail.

In Canada, the no money down home did use to exist, but not anymore. Some banks and/or lenders were willing to lend you the 5% down payment so that you don’t have to pay a dime out of your own pockets to purchase a home. However, given the current financial situation with tighter lending restrictions, there will be no bank or lenders who can do that in Canada.

The buying home for half price did use to exist as well. At one point, foreclosures in Canada would allow foreclosed homes to be sold at rock bottom prices. The new law, which has been in placed for many years now require the homes be sold at the highest possible price for foreclosed homes or else the lenders could be sued. Hence, sometimes foreclosed homes sell higher because Canadians have the misconception that foreclosed homes are a really good deal causing it to have a reverse affect. There have been many people buying foreclosed homes believing they got a good deal and not doing a thorough check as to the actual value of the home.
Now, clearing out the quick money maker myths of buying homes, there are still many things you need to be aware of before starting.

If there exist ever an industry with more sneaky sales tactics and money motivated people, it has got to the Real Estate industry. As a buyer, you could be dishing out $350 000 and everyone wants a piece. The Real Estate Agents want a piece. The lenders want a piece. The lawyers want a piece and the sellers want piece. No wonder there are so many scams in this industry.

The first thing to be aware of is the Real Estate Agent. A Real Estate Agent is suppose to act on your behalf to buy or sell the home. Both the buyer of the home and seller of the home will have their own Real Estate Agent called a Buyer’s Real Estate Agent and a Seller’s Real Estate Agent.

In Canada, each Real Estate Agent gets an average of 2.5% and sometimes 2% for the commission of selling the home. Some Real Estate Agents provide cash back rewards. Canadian Real Estate Agents gets higher commission than anywhere else. In United States, their Real Estate Agents only get 1% of the commission and their homes are actually much cheaper. Even though Real Estate Agents are the least educated of the parties involved in the buying home transaction, they seem to be getting the biggest piece of the pie.

Do not listen to and their gimmicks on Real Estate Agents are ethical. ( Where do they get the idea any Real Estate Agent off the street is ethical. Their claim is based on these tests that they pass to become a Real Estate Agent. Agents passing a test does not meant hey are ethical. It only means they can remember enough to pass the test.

One would believe it should be the Real Estate Agent’s job to help the buyer ensure the home is of value. Rightly so, many buyers depend on the Real Estate Agent to protect them and provide them advice and in my opinion, the ethical Real Estate Agent should do that. However, the true reality is that Real Estate Agents do not make money unless if the home is purchased. The reality is that the Real Estate Agent’s salary is not truly dependent on giving you advice. The Real Estate Agent’s job is to get the buyer to buy a home through them so they can get paid!

As a result of this, what ends up happening, are two types of Real Estate Agents with variations in between. The first type is the honest agent with the belief “If I work hard and treat my buyer right, the buyer will come back to buy more homes from me. The second type is the “I need to get the buyer to buy a house quickly so that I can move on to the next buyer (sucker) so that I can maximize my time for profit.” The bottom line is that you are looking for the first type and you want to avoid the second type.

We’ll call the first type, the Bad Real Estate Agent.
We’ll call the second type, the Good Real Estate Agent.

So what kind of characteristics does the Good Real Estate Agent have that the Good Real Estate Agent does not have?

1. The first characteristic is Patience.
Bad Real Estate Agents will attempt to sell you a home quickly to get the money quickly. Do not buy a house without spending a lot of time looking at several different homes. Be careful of tactics such as Real Estate Agents claiming it is the perfect and acting like a salesman rather than providing you information.

2. The second characteristic is information.
A good Real Estate Agent needs to provide you all the information to let you make the informed decision and we are not talking about their opinion. Real Estate’s opinion does not matter. Real Estate Agents have data such as the history of the house being sold at, homes being sold near the area and type. A Real Estate Agent should be able to provide you with a compilation of official documents that tells you these kinds of data to let YOU make an informed decision.

3. The third characteristic is care.
You will know this during the actual signing of the contract to purchase the home at a certain price. Once you become interested in a property and want to buy the property at a certain price set by YOU, you have to write up a contract. The contract consist atleast three conditions that will null the sale of the home and a security deposit.

The common three conditions are, buyer can get financing, the home passes inspection and the appraisal value of the home is above the price to be purchased. Generally, you will want the lenders to appraise the home so that you know the fair value of the home and the lenders would only lend of you are buying the home at fair market value.

The security deposit is an amount you will provide to lock the home from being sold to other buyers while you perform to checks to see whether these conditions have been met. If these conditions are not met, then you SHOULD get your security deposit back.

The Bad Real Estate Agents will want to you provide very few conditions and a big security deposit. Doing so ensure the home is more likely to be sold.

Do NOT go through the internet and pick the first agent you see or the agent that has the most advertisements. They are just spending marketing money which they intend to recover from you. I especially find the ones that are top ranked search engines to be the most conniving, especially the Mississauga location!!!

If you have any more questions or concerns, feel free to e-mail me at
You are also certainly welcome to e-mail me your good and bad home buying experiences. I may or may not chose to post them up.

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Right Real Estate for Your Needs

For people who are at all interested in Groton ct real estate, there are real estate groton ct agents who are willing to assist and lend a hand. It should not be hard to choose the right agent who can help you find the right real estate for your needs.

Like so many commercial real estate areas around the world, the success of the real estate waterford ct is also attributed to the functioning of the Call the houseman real estate companies with various real state new london ct services that greatly changed the perspective of the customers toward the Call the houseman real estate industry.

real estate southeastern ct agents assist sellers or buyers in marketing or in purchasing pieces of real estate property. There are agents who are mainly focused on helping clients market their properties and there are also agents who specialize in the buying process. However, there also are some agents who could do both. real estate southeastern ct agents are required by law to have a license before they practice.

Callthehouseman, is one of the best commercial real estate sites, is the right source for both real estate waterford ct and industrial properties. Aside from that, this certain Call the Houseman power team provides some real estate listing whether for sale or for lease and as such, they are one of the commonly used sites for real estate waterford ct and industrial properties.

Call the Houseman companies undertake most dealings pertaining to property. This includes, lease, rentals, sale purchase and appraisals. real estate groton ct offer all of these services at varying service charges. Income for real estate companies is entirely dependant upon luck and conversion rate of deals. Since this business is dependent upon local factors, the price of adjacent neighborhoods, inflation, and global trends, the business is considered highly volatile.

When you are looking for an international real estate agent there are different factors to consider. You should have an understanding of the market fluctuations, complete listing of the available properties in graton, both completed and in the building phases and an agent that is willing to spend the time needed to find the perfect home, condo, apartment or villa for your money. Call the Houseman help you find the best real estate for you and help you giving tips on maintaining the real estate to get maximum profit in future.

Callthehouseman has other waterford real estate developments, where you can find old fashioned homes and the feeling of an old-fashioned community. Callthehouseman will allow you a more upscale home with up to six bedrooms and up to four-baths and it is justly slightly more than Cordoba, which has homes that are top-quality as well. The real estate waterford ct offered by Call the Houseman is truly magnificent.

Buying real estate is a major financial decision. It is better to compare various real state new london ct companies and brokers before choosing your agent. Selecting a reputable, experienced real estate agent will help you to make an excellent investment for rental or potential appreciation. Strictly following the state laws and general guidelines will help to ensure that the transaction goes smoothly.  Geoff Hausmann of CallTheHouseman hopes to meet you and help assist your real estate transactions.

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3 Strategies for Using Your IRA to Invest in Real Estate

With real estate prices depressed and a lot of wealth sitting in qualified plans, you may wonder how you can use that wealth to invest in real estate. In this article I offer considerations and strategies for using your IRA to position yourself in real estate for your future benefit.

People have taken advantage of their qualified plan deductible contributions – and often company matching contributions- to accumulate substantial savings. How can they use that money if they feel now is the time to invest in real estate?

If you want to use your employer-related qualified plan money, request your company to roll it over directly into to your own IRA tax free. Now decide how you want to invest or distribute that money. You can purchase real estate, but you’ll have to transfer your IRA money to a self-directed IRA.

You must avoid using your self-directed IRA for “prohibited transactions”. These prevent you from using your IRA account for “self-dealing”. As an example, you can’t use your IRA

* To buy stock or other assets from you or sell them to you,

* To lend to you or borrow from you, or

* To engage in transactions with certain related parties and/or family members.

So, in the case of real estate, you can only use it for your own benefit when you finally take an ‘in-kind’ distribution of the real estate in your IRA to yourself.

Tax considerations for real estate and deductible and Roth IRAs: Real estate is already a tax advantaged investment. Buying real estate for its rental income and appreciation carries all sorts of tax breaks. You get deductions against it rental income for the expenses of carrying the real estate. These include maintenance, mortgage interest payments, and depreciation. If deductions exceed your rental income, you can use the excess against your other income. Lastly, the sale of your real estate is subject to capital gains tax which is low for long term (greater than 1 year) holding periods.

Real estate in an IRA loses all these tax advantages. You’re left over with only IRA tax characteristics. For a deductible IRA, that includes deductible contributions to it, tax-deferred growth of its yearly earnings, but its distributions are subjected to income taxation. The latter can be quite severe. You also must make minimum retired distributions (MRDs) when you pass 701/2.

A Roth IRA gives you tax free yearly earnings and distributions come out tax free -and no MRDs ever. But the kicker is that whatever goes into it must be taxed as income – a very expensive proposition.

You can see that the IRA – of the self-direct kind or not – has an expensive income tax barrier – either coming out or going in. That means your investment gain must clearly overcome that high tax hurdle to make it worthwhile. Let’s consider some strategies.

Real estate strategies for the person with a lot of qualified plan money to invest If your money is tied up in your IRA (or qualified plan), and you want to take advantage of depressed real estate prices, here are three strategies to consider:

Real estate outside IRA strategy:

Use distributions from your traditional, deductible IRA to purchase and pay annual costs for real estate you buy outside you IRA. Since it’s outside your IRA, you can self-deal all you want. Use it as a rental or as a second home.

But arrange for its mortgage interests, depreciation, and other expenses to offset the income tax on your IRA distributions. That way you’ll keep all the future real estate tax advantages safe for your use.

Real estate inside your IRA – 2 strategies:

If you decide to buy real estate within your self-directed IRA, you can consider using a deductible IRA or a Roth IRA. But you lose all those real estate tax advantages.

So you’re looking for two big investment benefits of real estate to best use within an IRA:

* higher yearly earnings since these are either tax deferred (deductible IRA) or tax free (Roth IRA) and

* high appreciation – to more than offset the distribution income tax (deductible IRA) or the initial rollover income tax into a Roth IRA.

I would opt for using a Roth IRA rather than the deductible IRA. Although you’re getting hit by a lot of income tax to fund it, you’re presumably buying depressed real estate that’ll appreciate a lot over years. And all rental earning and future appreciation is never taxed. Lastly, you’ll never have to worry about making MRDs.

When you make an in-kind distribution of your real estate for your use, your basis in it will be equal to the value associated with the income tax you paid for it.

Shane Flait is a writer and consultant on financial, legal, tax, and retirement issues. He explains the issues and gives you workable strategies to accomplish your goals. Find out more and get a free report on Managing Your Retirement =>

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Yves Larock – By Your Side (2008)

Nuovo singolo di Yves Larock in vista dell’estate! sarà un nuovo successo dopo Rise Up dell’estate 2007!

I’ll be with you
If you want to
Whatever you know

No lies, it’s true
I’ll be there too


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Two (2) Ways to Take Your Rental Real Estate Losses

Even if you have strong positive cash flow from your rental real estate, chances are you still have a loss for tax purposes due to the depreciation deduction.

This is a great tax strategy because your positive cash flow is sheltered from tax. But, it can be even better if you are able to take your losses against your other income (like your income from your job or the business that you run).

The general rule for rental real estate losses is that they are passive. This means they can only be taken against passive income. The income from your job and the business you run is active income so your rental losses cannot shelter this income. However, there are two exceptions to this rule.

** Exception #1: “Active Real Estate” exception. **

The Background on the Active Real Estate Exception

Rental real estate, in many cases, is held to provide financial security to individuals with moderate incomes. Because of this Congress believed that a rental real estate investment in which a taxpayer has significant responsibilities and which served a significant non-tax purpose should be treated differently than the activities meant to be limited under the passive loss provisions. So Congress created the active rental real estate exception.

- How It Works -

If you are active in your rental real estate activities you may be able to deduct up to $25,000 of your rental losses against other ordinary income. We say may be because there are income limitations which phase out the $25,000 deduction. The phase out will start when your adjusted gross income exceeds $100,000 and end when your adjusted gross income is at $150,000. This means that for every $2 over $100,000 of adjusted gross income you will lose $1 off the $25,000 deductible amount. For example if your adjusted gross income is $120,000 you will have to reduce the $25,000 exception by $10,000 and the most rental real estate losses you can deduct will be $15,000 for that tax year.

Don’t let your high income penalize you! Learn my tax secrets to increase your cash flow by uncovering the hidden cash flow in your real estate. Several of my secrets reveal how to legally get around these income limitations!

What constitutes active participation?

Active participation exists so long as you participate, in the making of management decisions or arranging for others to provide services (such as repairs), in a significant and bona fide sense. Also, you must have at least a 10% interest in the activity at any time during the year.

** Exception #2: “Real Estate Professional” exception. **

What is a Real Estate Professional?

First, let’s dispense with one myth: Real Estate Professional status does not mean you have to hold a real estate license. Rather, it is a designation you obtain by meeting certain specific requirements. If you qualify as a real estate professional you can deduct all your current year rental real estate losses against other income without limitations.

Requirement #1

The first requirement is that you spend more than 750 hours in real estate trades or businesses in which you materially participate.

What is a real estate trade or business? A real estate trade or business is defined as ANY real estate development, redevelopment, construction, reconstruction, acquisition, conversion, rental, operation, management, leasing, or brokerage trade or business.

The 750 hours test must be met for each activity. So for example, say you have three rental properties. The general rule is that you have to perform at least 750 hours on activities related to EACH of those three properties. Fortunately, there is an exception to this rule. If you make the election to aggregate all of your rental real estate activities into one activity, you only have to meet the 750 hours requirement once for the tax year.

What types of activities qualify as real estate professional activities? Activities such as:

- Searching for possible rental properties

- Attending real estate seminars or reading real estate books

- Meeting with real estate agents and viewing properties

- Meeting with mortgage brokers with regards to getting loans on properties

- Travel time to and from the seminars and your property searches

- Preparing your bookkeeping and tax information for your rental properties

- Time spend buying or selling properties (i.e. signing the closing documents)

- Studying and reviewing financial reports (Investor-type)

- Preparing summaries or analyses for personal use (Investor-type)

- Monitoring finances or operation in a non-managerial capacity (Investor-type)

An important note to the investor-type activities mentioned above is that these activities can only be counted towards real estate professional time if you are involved in the day-to-day operations or management of the activity for which you perform those tasks. Essentially, this means that if you have an independent property manager and your only real estate business is your rental properties, you probably will not qualify as a real estate professional.

Requirement #2

The second requirement is that you spend more time in your real estate trades or businesses than in ALL OTHER trades or businesses combined. Time spent as an employee in real estate activities is counted only if you are a more than a 5% owner in that business.

- What You Need to Do -

You have to meet the above requirements each year. So, you could be a real estate professional one year but not the next. Only one spouse needs to meet the requirements in order for a married couple to take advantage of the benefits provided by the real estate professional status.

The extent of an individual’s participation in an activity may be established by any reasonable means. Contemporaneous daily time reports, logs, or similar documents are not required if the extent of such participation may be established by other reasonable means. Documentation required includes the identification of services performed over a period of time and the approximate number of hours spent performing such services during such period, based on appointment books, calendars, or narrative statements.

If you are audited, the IRS will ask you to prove your real estate professional status. For more on how to be prepared, see my recent article titled: “Three (3) Things You Can Do To Be Prepared For An Audit”

Tom Wheelwright is not only the founder and CEO of Provision, but he is the creative force behind Provision Wealth Strategists. In addition to his management responsibilities, Tom likes to coach clients on wealth, business, and tax strategies. Along with his frequent seminars on such strategies, Tom is an adjunct professor in the Masters of Tax program at Arizona State University. For more information, please visit

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