This document discusses several strategies for borrowing in superannuation and managing pension payments to reduce tax liabilities. It provides a case study on borrowing $500k from an SMSF to purchase an investment property. It estimates an annual tax saving of $8,463 and a capital gains tax saving of $162,750 over 15 years compared to purchasing the property traditionally. It also discusses withdrawing and recontributing super benefits to increase the tax-free component, and separating pension interests to preserve that tax-free amount.
Sample 5 page loan modifcation proposal with before and after budgets, cash flow, payments based on HAMP NPV model version 3. Excellant way to begin rapport with lender. Organization, calculation, presentation & negotiation. Used alongside lenders papaerwork.
On January 10th, Auburn’s Center for the Study of Theological Education hosted a webinar for financial aid officers, admissions staff and student personnel at theological schools on the latest government regulations for income-based repayment plans for federal educational loans. This information will assist financial aid officers and others who counsel students and recent graduates in repayment options as they move into ministry.
This document discusses various planned giving strategies that can provide benefits to donors and charities during uncertain economic times:
1) "Donate While You Wait" suggests donating stocks that have fallen in value but maintain dividends, allowing donors to receive a tax refund from the donation.
2) "Donate After Waiting" uses an example where investments grow over time, are then donated, providing tax benefits while benefiting the charity later.
3) "Charitable Income Gift" illustrates how donating appreciated shares from a private corporation provides tax benefits through credits to the Capital Dividend Account and avoids capital gains tax, while replacing the donated assets with life insurance continues future tax benefits.
This chapter discusses capital structure and the limits to using debt. It defines the costs associated with bankruptcy, including direct legal costs and indirect costs like lost sales. It also describes theories around a firm's debt level, including the tradeoff between tax benefits of debt vs. bankruptcy costs, signaling of firm value to investors, agency costs of debt, and pecking order theory of using internal then debt financing. Real-world factors that affect debt levels include taxes, asset types, operating uncertainty, growth levels, and financial slack.
This document provides key tax and financial planning numbers for 2011, including:
- Standard deduction and personal exemption amounts
- Income thresholds and limits for tax credits like the child tax credit, earned income tax credit, and saver's credit
- Alternative minimum tax exemption amounts and phaseout thresholds
- Federal income tax rate schedules for different filing statuses.
This document summarizes a pre-qualification interview for a home loan. It shows the applicant has $4,332 monthly income and $400 in credit card debt. Two potential home purchase scenarios are analyzed to see if the applicant's debt-to-income ratio qualifies them for the necessary financing. The first scenario is a $390,000 single family home, and the second is a $303,547 condo. Both scenarios explore using various down payment assistance programs to help cover closing costs and lower the applicant's monthly payment.
Final.pres.revised cds time adjusted for 2003 version showHorizons-Financial
The document discusses a program called the Acceleration Account Program that uses banking tools and strategies to help pay off debt faster. It works by having a checking and savings account and using transfers between the accounts to make additional principal payments on debts. The program uses mathematical engines to monitor available reserves and prompt strategic principal-only payments to eliminate years of payments and debt faster. It provides sample scenarios and payoff analyses. Committing to consistently following the software can help one achieve their goal of getting out of debt.
This document discusses several strategies for borrowing in superannuation and managing pension payments to reduce tax liabilities. It provides a case study on borrowing $500k from an SMSF to purchase an investment property. It estimates an annual tax saving of $8,463 and a capital gains tax saving of $162,750 over 15 years compared to purchasing the property traditionally. It also discusses withdrawing and recontributing super benefits to increase the tax-free component, and separating pension interests to preserve that tax-free amount.
Sample 5 page loan modifcation proposal with before and after budgets, cash flow, payments based on HAMP NPV model version 3. Excellant way to begin rapport with lender. Organization, calculation, presentation & negotiation. Used alongside lenders papaerwork.
On January 10th, Auburn’s Center for the Study of Theological Education hosted a webinar for financial aid officers, admissions staff and student personnel at theological schools on the latest government regulations for income-based repayment plans for federal educational loans. This information will assist financial aid officers and others who counsel students and recent graduates in repayment options as they move into ministry.
This document discusses various planned giving strategies that can provide benefits to donors and charities during uncertain economic times:
1) "Donate While You Wait" suggests donating stocks that have fallen in value but maintain dividends, allowing donors to receive a tax refund from the donation.
2) "Donate After Waiting" uses an example where investments grow over time, are then donated, providing tax benefits while benefiting the charity later.
3) "Charitable Income Gift" illustrates how donating appreciated shares from a private corporation provides tax benefits through credits to the Capital Dividend Account and avoids capital gains tax, while replacing the donated assets with life insurance continues future tax benefits.
This chapter discusses capital structure and the limits to using debt. It defines the costs associated with bankruptcy, including direct legal costs and indirect costs like lost sales. It also describes theories around a firm's debt level, including the tradeoff between tax benefits of debt vs. bankruptcy costs, signaling of firm value to investors, agency costs of debt, and pecking order theory of using internal then debt financing. Real-world factors that affect debt levels include taxes, asset types, operating uncertainty, growth levels, and financial slack.
This document provides key tax and financial planning numbers for 2011, including:
- Standard deduction and personal exemption amounts
- Income thresholds and limits for tax credits like the child tax credit, earned income tax credit, and saver's credit
- Alternative minimum tax exemption amounts and phaseout thresholds
- Federal income tax rate schedules for different filing statuses.
This document summarizes a pre-qualification interview for a home loan. It shows the applicant has $4,332 monthly income and $400 in credit card debt. Two potential home purchase scenarios are analyzed to see if the applicant's debt-to-income ratio qualifies them for the necessary financing. The first scenario is a $390,000 single family home, and the second is a $303,547 condo. Both scenarios explore using various down payment assistance programs to help cover closing costs and lower the applicant's monthly payment.
Final.pres.revised cds time adjusted for 2003 version showHorizons-Financial
The document discusses a program called the Acceleration Account Program that uses banking tools and strategies to help pay off debt faster. It works by having a checking and savings account and using transfers between the accounts to make additional principal payments on debts. The program uses mathematical engines to monitor available reserves and prompt strategic principal-only payments to eliminate years of payments and debt faster. It provides sample scenarios and payoff analyses. Committing to consistently following the software can help one achieve their goal of getting out of debt.
When a bank sells a customer a guaranteed investment certificate (GIC), it takes the money and lends it to another customer as a loan or mortgage at a higher interest rate. The difference between what the bank earns and pays the GIC holder is a "hidden fee" retained by the bank. In the example, the bank earns 3.95% lending the money as a mortgage but only pays 2% interest to the GIC holder, keeping the 1.95% difference.
1) The document discusses Primerica's goals to expand from 27 offices in the Valley to 10% market share nationally with 20,000 offices and 200 offices in Arizona.
2) It provides an example of how Primerica's services could help eliminate a couple's debt, lower their insurance costs, and increase their retirement savings.
3) The document outlines Primerica's services around debt elimination, insurance, investments, and how becoming an agent or leader within Primerica provides multiple streams of potential income.
Mortgage markets are unique due to the collateralization of real property and the varied loan amounts. While the secondary market for original mortgages is weak due to lack of standardization, the market for mortgage-backed securities is relatively strong. Mortgage markets are highly regulated and supported by government policies. Common mortgage products include fixed-rate mortgages, adjustable-rate mortgages, and other instruments like balloon payment and reverse annuity mortgages. Mortgage-backed securities were developed to create a secondary market and include pass-through securities and derivative securities.
Here is a fabulous tool you might find useful for your individual tax return preparation.
This document contains key numbers and tax rate tables for 2011 and 2012.
1. The document provides the answers and explanations for 5 multiple choice questions about financial ratios and capital structure.
2. Key points covered include the impact of changes in debt ratio, DSO, and interest expenses on profit margin, ROE, ROA, and other ratios.
3. The correct answers are identified and rationales are given for why the other answer choices are incorrect based on the calculations and impacts of changes in the relevant variables.
This document summarizes key information from a 2009 tax summary, including:
- Federal income tax rates ranging from 10-35% for singles and 10-35% for married filing jointly depending on taxable income
- Standard deduction amounts for single, married filing jointly, head of household, and married filing separately filers
- Individual 401(k) contribution limits for employees under and over age 50 and total employer and employee contribution limits
- Itemized deduction and personal exemption phase-out thresholds for different filing statuses
- Estate and gift tax rates and exclusion amounts
- Social Security taxable income thresholds and maximum earnings subject to FICA tax
Borrw.com is a private real estate fund that aims to purchase 1,000 single family homes in distressed housing markets like Oakland, Riverside, and Phoenix. It plans to rent the homes at above-market rates with lease-to-own options for tenants. After 3-5 years, homes will be sold to tenants with crowdfunded mortgages. The team has experience in real estate, marketing, and distressed housing. Financial projections estimate growing rental income, expenses, and dividends through 2016 as more homes are acquired.
This document advertises a real estate promotion from Fresh Horizon Realty running from March 24th through April 19th, 2010. It features luxury condominiums and single-family homes with special financing incentives for buyers and bonuses for agents. Properties highlighted include condos in Rogers Park, Lincoln Square, Albany Park, Ravenswood as well as single-family homes in Bucktown and Logan Square. Buyer incentives include a $5,000 closing cost contribution, ability to use homebuyer tax credits for down payments, below market financing rates as low as 2.99%, and no private mortgage insurance. Agents can earn bonuses up to $10,000 for closed deals during the promotion period.
This document provides key numbers and tax rates for individual income tax planning for the 2012 tax year including:
- The adoption credit maximum was $12,650 with phaseout thresholds of $189,710 - $229,710.
- The AMT exemption for married filing jointly was $45,000 with a phaseout threshold of $150,000.
- The standard mileage deduction was $0.555 per mile for business use and $0.23 per mile for medical or moving purposes.
- The personal exemption was $3,800 with phaseout thresholds starting at $250,200 for married filing jointly.
- Income tax rates ranged from 10% to 35% based on filing
Estate and tax planning ideas for 2012 v4-post-final (2)Roger Royse
This document summarizes the key tax implications of estate planning, gifts, and inheritances for U.S. citizens and residents. It discusses estate, gift, and generation-skipping transfer tax rates and exemptions from 2010 to 2013. It also reviews annual gift and estate tax exclusions, the marital deduction, qualified domestic trusts, and reporting requirements for foreign financial assets.
Five factors determine the cost of homeowners insurance: (1) replacement cost of the home and contents, (2) location, (3) type of coverage, (4) deductible amount, and (5) available discounts. Location is divided into four areas around Winnipeg with different rates. Comprehensive coverage insures most risks while standard only covers specific perils. A lower deductible increases the premium. Discounts are available for claims-free policies, new homes, security systems, and age of the policyholder. Examples calculate the premiums for homes in Winnipeg and outside the city limits with different coverage types and deductible amounts. Renter's insurance for specified contents is also calculated.
Homeowner's and tenant's insurance premium costs are determined by several key factors:
1) Replacement costs of the home, contents, and liability coverage.
2) Location - premiums vary depending on proximity to fire protection.
3) Type of coverage - comprehensive covers more than standard.
4) Deductible amount - lower deductibles increase premium costs.
5) Discounts for claims-free policies, new homes, alarms, and age of policyholder.
For examples, a home in Winnipeg with $195k replacement value and comprehensive coverage with a $200 deductible would be $816.20 annually. A home outside Winnipeg within 800 feet of a fire
The document discusses an upcoming seminar on inheritance tax and succession planning in Ireland, including an overview of the basic mechanics of capital acquisitions tax, relevant legislation, exemption thresholds, tax rates, and various reliefs such as business property relief and agricultural relief that can reduce inheritance tax liability.
A compilation of key financial and tax numbers. It thought this would be helpful to my financial services, CPA and attorney friends. But it is good information really for anyone. Feel free to download and share.
This document is a Texas Certified Investor Tax Credit Transfer Affidavit form. It contains instructions for certified investors to transfer unused tax credits to insurance companies and outlines how the maximum annual credit allowed is determined between the original certified investor and any transferees. Specifically, the total maximum annual credit allowed is divided proportionately among the certified investor and any insurers receiving a transfer based on the amount of original investment and credits transferred.
The document provides an overview of Entaire Programs which are financing programs designed for business owners to help fund their retirement through commercial loans to their business to purchase tax advantaged investment products like universal life insurance and annuities. It discusses who the programs are for, what the programs are, how the programs work through an accelerated funding model, and provides a case study example of a small business owner using one of the programs.
This document is a Texas Certified Investor Tax Credit Transfer Affidavit form. It requires information from both the certified investor transferring credits and the insurer receiving the transfer. It explains that certified investors are limited in the amount of credits they can use annually and any unused credits can be rolled over to future years or transferred. It also provides an example calculation of how the maximum annual credit allowed is determined when credits are transferred between multiple companies.
This was the main project for our Budget and Finance class. This is the companion presentation to the huge document we compiled which includes spreadsheets and the like. We invented an organization and pulled info from an existing org to launch from
Active Business Series - Estate Planning - September 2012nevillebeckhurst
Estate planning is important to minimize inheritance taxes and ensure your assets pass to intended beneficiaries. Key considerations include identifying beneficiaries, determining when and how to transfer assets, and using tools like trusts and life insurance. Professional advice is recommended when substantial assets or complex family situations are involved to properly structure transfers and take advantage of exemptions that can reduce taxes owed.
H Ελληνική Διπολική Οργάνωση (ΕΔΟ) παρουσιάζει:
"Η Ψυχοπαθολογία της Ηγεσίας: Διπολικοί Ηγέτες"
Στο συνέδριο Capital and Vision 2012 με τον Δρ. Ιωάννη Μάλλιαρη (Κλινικό Ψυχολόγο, Ιδρυτή της ΕΔΟ, Διδάκτωρ του King's College London) και τον Δρ. Ανδρέα Λιαρόπουλο (Λέκτορα Διεθνών Σχέσεων και Στρατηγικής, Πανεπιστήμιο Πειραιά)
Ukmergė is a city in Lithuania located northwest of Vilnius that was first mentioned as a settlement in 1333. It began as a wooden fortress located near the confluence of the Vilkmergė and Šventoji rivers. Throughout its early history, the city was attacked numerous times by the Teutonic Knights and Livonian Order. In the 18th century, the city became part of the Russian Empire and was raided by Napoleon's army during the French invasion of Russia. Ukmergė participated in uprisings against Russian rule in the 19th century and had its name changed to Ukmergė after Lithuania declared independence in 1918.
When a bank sells a customer a guaranteed investment certificate (GIC), it takes the money and lends it to another customer as a loan or mortgage at a higher interest rate. The difference between what the bank earns and pays the GIC holder is a "hidden fee" retained by the bank. In the example, the bank earns 3.95% lending the money as a mortgage but only pays 2% interest to the GIC holder, keeping the 1.95% difference.
1) The document discusses Primerica's goals to expand from 27 offices in the Valley to 10% market share nationally with 20,000 offices and 200 offices in Arizona.
2) It provides an example of how Primerica's services could help eliminate a couple's debt, lower their insurance costs, and increase their retirement savings.
3) The document outlines Primerica's services around debt elimination, insurance, investments, and how becoming an agent or leader within Primerica provides multiple streams of potential income.
Mortgage markets are unique due to the collateralization of real property and the varied loan amounts. While the secondary market for original mortgages is weak due to lack of standardization, the market for mortgage-backed securities is relatively strong. Mortgage markets are highly regulated and supported by government policies. Common mortgage products include fixed-rate mortgages, adjustable-rate mortgages, and other instruments like balloon payment and reverse annuity mortgages. Mortgage-backed securities were developed to create a secondary market and include pass-through securities and derivative securities.
Here is a fabulous tool you might find useful for your individual tax return preparation.
This document contains key numbers and tax rate tables for 2011 and 2012.
1. The document provides the answers and explanations for 5 multiple choice questions about financial ratios and capital structure.
2. Key points covered include the impact of changes in debt ratio, DSO, and interest expenses on profit margin, ROE, ROA, and other ratios.
3. The correct answers are identified and rationales are given for why the other answer choices are incorrect based on the calculations and impacts of changes in the relevant variables.
This document summarizes key information from a 2009 tax summary, including:
- Federal income tax rates ranging from 10-35% for singles and 10-35% for married filing jointly depending on taxable income
- Standard deduction amounts for single, married filing jointly, head of household, and married filing separately filers
- Individual 401(k) contribution limits for employees under and over age 50 and total employer and employee contribution limits
- Itemized deduction and personal exemption phase-out thresholds for different filing statuses
- Estate and gift tax rates and exclusion amounts
- Social Security taxable income thresholds and maximum earnings subject to FICA tax
Borrw.com is a private real estate fund that aims to purchase 1,000 single family homes in distressed housing markets like Oakland, Riverside, and Phoenix. It plans to rent the homes at above-market rates with lease-to-own options for tenants. After 3-5 years, homes will be sold to tenants with crowdfunded mortgages. The team has experience in real estate, marketing, and distressed housing. Financial projections estimate growing rental income, expenses, and dividends through 2016 as more homes are acquired.
This document advertises a real estate promotion from Fresh Horizon Realty running from March 24th through April 19th, 2010. It features luxury condominiums and single-family homes with special financing incentives for buyers and bonuses for agents. Properties highlighted include condos in Rogers Park, Lincoln Square, Albany Park, Ravenswood as well as single-family homes in Bucktown and Logan Square. Buyer incentives include a $5,000 closing cost contribution, ability to use homebuyer tax credits for down payments, below market financing rates as low as 2.99%, and no private mortgage insurance. Agents can earn bonuses up to $10,000 for closed deals during the promotion period.
This document provides key numbers and tax rates for individual income tax planning for the 2012 tax year including:
- The adoption credit maximum was $12,650 with phaseout thresholds of $189,710 - $229,710.
- The AMT exemption for married filing jointly was $45,000 with a phaseout threshold of $150,000.
- The standard mileage deduction was $0.555 per mile for business use and $0.23 per mile for medical or moving purposes.
- The personal exemption was $3,800 with phaseout thresholds starting at $250,200 for married filing jointly.
- Income tax rates ranged from 10% to 35% based on filing
Estate and tax planning ideas for 2012 v4-post-final (2)Roger Royse
This document summarizes the key tax implications of estate planning, gifts, and inheritances for U.S. citizens and residents. It discusses estate, gift, and generation-skipping transfer tax rates and exemptions from 2010 to 2013. It also reviews annual gift and estate tax exclusions, the marital deduction, qualified domestic trusts, and reporting requirements for foreign financial assets.
Five factors determine the cost of homeowners insurance: (1) replacement cost of the home and contents, (2) location, (3) type of coverage, (4) deductible amount, and (5) available discounts. Location is divided into four areas around Winnipeg with different rates. Comprehensive coverage insures most risks while standard only covers specific perils. A lower deductible increases the premium. Discounts are available for claims-free policies, new homes, security systems, and age of the policyholder. Examples calculate the premiums for homes in Winnipeg and outside the city limits with different coverage types and deductible amounts. Renter's insurance for specified contents is also calculated.
Homeowner's and tenant's insurance premium costs are determined by several key factors:
1) Replacement costs of the home, contents, and liability coverage.
2) Location - premiums vary depending on proximity to fire protection.
3) Type of coverage - comprehensive covers more than standard.
4) Deductible amount - lower deductibles increase premium costs.
5) Discounts for claims-free policies, new homes, alarms, and age of policyholder.
For examples, a home in Winnipeg with $195k replacement value and comprehensive coverage with a $200 deductible would be $816.20 annually. A home outside Winnipeg within 800 feet of a fire
The document discusses an upcoming seminar on inheritance tax and succession planning in Ireland, including an overview of the basic mechanics of capital acquisitions tax, relevant legislation, exemption thresholds, tax rates, and various reliefs such as business property relief and agricultural relief that can reduce inheritance tax liability.
A compilation of key financial and tax numbers. It thought this would be helpful to my financial services, CPA and attorney friends. But it is good information really for anyone. Feel free to download and share.
This document is a Texas Certified Investor Tax Credit Transfer Affidavit form. It contains instructions for certified investors to transfer unused tax credits to insurance companies and outlines how the maximum annual credit allowed is determined between the original certified investor and any transferees. Specifically, the total maximum annual credit allowed is divided proportionately among the certified investor and any insurers receiving a transfer based on the amount of original investment and credits transferred.
The document provides an overview of Entaire Programs which are financing programs designed for business owners to help fund their retirement through commercial loans to their business to purchase tax advantaged investment products like universal life insurance and annuities. It discusses who the programs are for, what the programs are, how the programs work through an accelerated funding model, and provides a case study example of a small business owner using one of the programs.
This document is a Texas Certified Investor Tax Credit Transfer Affidavit form. It requires information from both the certified investor transferring credits and the insurer receiving the transfer. It explains that certified investors are limited in the amount of credits they can use annually and any unused credits can be rolled over to future years or transferred. It also provides an example calculation of how the maximum annual credit allowed is determined when credits are transferred between multiple companies.
This was the main project for our Budget and Finance class. This is the companion presentation to the huge document we compiled which includes spreadsheets and the like. We invented an organization and pulled info from an existing org to launch from
Active Business Series - Estate Planning - September 2012nevillebeckhurst
Estate planning is important to minimize inheritance taxes and ensure your assets pass to intended beneficiaries. Key considerations include identifying beneficiaries, determining when and how to transfer assets, and using tools like trusts and life insurance. Professional advice is recommended when substantial assets or complex family situations are involved to properly structure transfers and take advantage of exemptions that can reduce taxes owed.
H Ελληνική Διπολική Οργάνωση (ΕΔΟ) παρουσιάζει:
"Η Ψυχοπαθολογία της Ηγεσίας: Διπολικοί Ηγέτες"
Στο συνέδριο Capital and Vision 2012 με τον Δρ. Ιωάννη Μάλλιαρη (Κλινικό Ψυχολόγο, Ιδρυτή της ΕΔΟ, Διδάκτωρ του King's College London) και τον Δρ. Ανδρέα Λιαρόπουλο (Λέκτορα Διεθνών Σχέσεων και Στρατηγικής, Πανεπιστήμιο Πειραιά)
Ukmergė is a city in Lithuania located northwest of Vilnius that was first mentioned as a settlement in 1333. It began as a wooden fortress located near the confluence of the Vilkmergė and Šventoji rivers. Throughout its early history, the city was attacked numerous times by the Teutonic Knights and Livonian Order. In the 18th century, the city became part of the Russian Empire and was raided by Napoleon's army during the French invasion of Russia. Ukmergė participated in uprisings against Russian rule in the 19th century and had its name changed to Ukmergė after Lithuania declared independence in 1918.
Eclipse Swordfish is an open source SOA runtime framework based on Eclipse Equinox. It provides a framework for integrating additional open source components like a service registry, messaging system, and process engine to form a comprehensive SOA runtime environment. Swordfish supports relevant SOA standards including SCA, JBI, and OSGi. It adds functionality like policies, monitoring, and configuration to complement components like ServiceMix. The project has 5 committers working on it and version 1.0M3 has been released with the goal of inclusion in Eclipse Galileo in June 2009.
This document discusses change management and quotes related to change from influential figures. It outlines intrinsic personal changes like relationships and career changes as well as extrinsic changes from external factors. Organizational changes can cause doubts, confusion, and resistance in employees. The document recommends recognizing that change happens, being aware of surroundings, communicating with others, maintaining a positive attitude, and focusing on personal growth to better adapt to changes.
EDO Presents: New Technologies in Bipolar Disorderedoslides
The document announces an event organized by the Hellenic Bipolar Organisation to showcase new technologies for monitoring bipolar disorder. It will feature presentations on an online mood charting tool, a mobile mood charting app, and activity sensors, all aimed at helping people better track their condition over time. The event seeks to empower patients through support, education and advocacy regarding their bipolar disorder.
Asteroids is a web-based flash RPG game that you are in control of the main character who must defend his space station against incoming asteroids. You have to monitor and adjust all the controls in order to keep the station intact. Have fun.
This document proposes adapting the game of DART into a new throwing game. Players would throw bowls to serve imaginary guests for points. Each successful serve is worth points, while misses result in negative points. The player with the highest score after 5 rounds wins. The game involves aiming bowls at different points values while throwing from various distances around a room.
The document provides various suggestions for improving sleep, including using sleep apps and alarms, avoiding stimulants like caffeine before bed, meditating or listening to soft music, exercising, eating healthy food, and designating chief sleep officers or sleep zones to promote better sleep habits. It emphasizes that getting enough quality sleep is important for health, productivity and quality of life.
Eric Berne (1910-1970) created transactional analysis (TA) based on his clinical work and observations of client interactions. TA analyzes social transactions between two people in terms of three ego states - parent, adult, and child. Berne identified common relationship games or "ulterior transactions" that involve hidden agendas, such as the drama triangle of persecutor, victim, and rescuer roles. TA aims to increase awareness of ego states and reduce dysfunctional game playing in relationships and organizations.
I read, reviewed and digested the excellent The Art of Estimation by Steve McConnell and presented back what I'd learned about software estimation to the team.
English (as a second language) learning at rural indiaAmit Jain
As part of the course 'Designing a New Learning Environment ', our group tried to conceptualize a model for teaching English to students in the secondary school in rural India
The document provides an overview of database backup, restore, and recovery. It describes various types of failures that may occur including statement failures, user process failures, instance failures, media failures, and user errors. It emphasizes the importance of defining a backup and recovery strategy that considers business requirements, operational requirements, technical considerations, and disaster recovery issues to minimize data loss and downtime in the event of failures.
This document provides an overview of reverse mortgages, including their market potential, key features, and strategic uses. It discusses how reverse mortgages can provide purchasing power for home buyers age 62 and older. The document compares reverse and traditional mortgages, dispels common misconceptions about reverse mortgages, and shows examples of how a reverse mortgage could help buyers purchase a home with no monthly mortgage payment. It also outlines the growth of a reverse mortgage line of credit over time and potential strategic uses of the funds. The presentation aims to educate real estate professionals on reverse mortgages so they can better serve clients.
The Private Lender Assistance Network (P.L.A.N.) connects private investors with potential homeowners by acquiring foreclosed properties, making repairs, and finding buyers to whom the investor can then rent the property and collect monthly mortgage payments. The process involves the investor providing funds, receiving information on a selected property, approving or declining the property, marketing and selling the property to a buyer, and then passively collecting rent payments while various exit strategies are available after several years.
An untapped partnership: Retirement planning with HomEquity BankSteven Ranson CPA, CA
This document discusses how financial advisors can partner with HomEquity Bank to offer reverse mortgages (also known as equity release plans) to clients as part of retirement planning. Reverse mortgages allow homeowners over age 55 to access a portion of their home equity as cash without having to make monthly payments. This untapped partnership could help financial advisors increase assets under management, provide clients with stress-free retirements by protecting assets, and gain referrals. Examples are provided showing how reverse mortgages can be used for asset protection, investments, and early inheritances. The document encourages advisors to contact HomEquity Bank to learn more about partnering and receiving commissions for equity release plans.
The document discusses the Colorado Procurement Technical Assistance Center (CO PTAC) and its services to help Colorado businesses win government contracts. CO PTAC provides free assistance to businesses on registrations, identifying contracting opportunities, proposal writing, and contract execution. The summary highlights CO PTAC's role in increasing Colorado businesses' market share of the hundreds of billions of dollars in annual federal and state government contracting.
Stuart Reid, Executive Director, Food Co-op Initiative (FCI), presented to start-up staff, steering committee, and Board members at NFCA's Sixth Annual Meeting. This presentation reviews some of the most important financial tools that every start-up food co-op needs. This includes Sources & Uses budget, financial pro formas, and market studies, and focus on how to understand these tools and use the information to strengthen your co-op's plans.
Credit allows you to purchase items before paying for them in full. Having good credit is important for obtaining loans at lower interest rates. Managing your finances well through tracking income and expenses, setting goals, and only spending what you have planned helps build good credit over time. Mistakes like late payments or defaulting on loans can seriously damage your creditworthiness and cost significantly more in interest for future loans. Bankruptcy should only be considered as a last resort if you are unable to work with creditors on repayment plans. Maintaining open communication and fulfilling commitments is key to credit health.
This document promotes an investment opportunity to purchase foreclosed homes through two companies at discounted prices averaging $21,900. The companies will manage the properties by renting them out below market rates through "land contracts" to turn the homes over to homeowners, providing investors with monthly payments equivalent to a 16% annual return. Several exit strategies for investors are outlined such as selling the land contracts for profits after they have "seasoned" or holding them long-term for continued income returns. The properties targeted are located primarily in Midwestern and Southeastern states.
Call 912-303-5065 to learn how to earn passive double digit rates of return by investing in short term deeds of trust (mortgages) secured by undervalued real estate assets with a trusted partner with a strong track record of success
This document describes a house flipping strategy in North Carolina, South Carolina, and Georgia. It is presented by Majic Holdings LLC and owner Jim McDonough. The strategy involves purchasing distressed homes at a discount, completing repairs, and quickly reselling the homes for a profit. Examples are given of recent house flips by Majic Holdings that resulted in net profits ranging from $19,907 to $31,615. Potential investors are told they could expect annual returns of 30-45% by participating in 1-3 house flips per year. Risks including economic changes and properties not selling as planned are also outlined.
Real Estate Investing: The Key To Long Term WealthTeam Nickerson
You will lean why real estate is such a great investment vehicle, why you want to invest in real estate for the long term, how to analyze a property, how to chose where to invest based on economic fundamentals, and how to be a successful investor.
Why You Should Invest In The Market ShortLisa Brugman
This document provides an overview of investing basics for women, including:
1) It outlines the agenda which includes investment basics like stocks, bonds, mutual funds and annuities as well as why investing in the market is important.
2) It discusses how stocks, bonds, and mutual funds can help women achieve their financial goals like retirement, and how investing early and consistently can make a significant difference over the long run.
3) It emphasizes that maintaining a balanced portfolio with both stocks and bonds tailored to one's goals, timeframe, and risk tolerance is important for successful investing.
Flipping4profit is Joint venture business where an individiual joins a real Estate program called fliiping4profit and partake in profit-sharing by investing a from as little as $100 which is pooled into a fund,then when a property is bought renovated and sold and profit percentages shared out to members according to amount invested.
This document analyzes the total costs of different mortgage plans for a homebuyer. It compares an FHA fixed loan, conventional loans with 5%, 10%, and 20% down, outlining details like loan amount, interest rate, monthly payment, and total costs over time. The analysis finds that a conventional 20% down loan would result in the lowest long-term costs and allow the homeowner to reach financial independence or "Freedom Point" the soonest.
Barry M. Fine of Finex Wealth Management presented information on combined qualified pension plans. These plans allow owners to make tax-deductible contributions up to $300,000-$450,000 by aggregating contributions from 401(k), profit sharing, pension, and medical benefit components. The presentation discussed plan design strategies like cross-testing and concurrent offsets to maximize benefits within qualification rules. Finex then provides plan administration and compliance services once designed.
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BEST FARMLAND FOR SALE | FARM PLOTS NEAR BANGALORE | KANAKAPURA | CHICKKABALP...
Houseing Trust PPT By Dan
1. The Housing Trust of Santa Clara
County
First-Time Homebuyer Programs
October 2009
2. What is the Housing Trust (HTSCC)?
A nonprofit community lender formed in 1999 by the County
Board of Supervisors, Silicon Valley Leadership Group, the SCC
Collaborative on Affordable Housing and Homelessness, and the
Housing Action Coalition.
501(c)(3) public benefit corporation
Since 1999, HTSCC has raised over $38,000,000 in voluntary
contributions from the public and private sector for the
development of affordable housing and provision of loans to first-
time low and moderate income homebuyers.
Public-private partnership makes us unique
Awarded 2006 Neighborhood Builder Award for Neighborhood
Excellence from Bank of America
3. About the Housing Trust
First-time Homebuyer Assistance
Investment: $14,260,000
Leverage: $681,040,000
Families Helped: 2,046
Multifamily Rental Housing
Investment: $7,820,000
Leverage: $467,000,000
Families Helped: 1,643
Homelessness and Special Needs
Investment: $9,970,000
Leverage: $267,000,000
People Helped: 3,976
Total Investment: $32.1 million
Total Housing Opportunities Created: 7,665
4. The Need
For the second quarter of 2009, California Association of
Realtors First-time Buyer Housing Affordability Index for
Santa Clara County shows just 58% of households can afford
an entry level home priced at $425,000
This calculation assumes an adjustable rate loan and a 90%
LTV first
Even with falling prices, first-time homebuyers still need
help with downpayment and closing costs
5. First-Time Homebuyer Programs
Closing Cost Assistance Program (CCAP)
Equity Share Co-Investment (ESCO)
Mortgage Assistance Program (MAP)
Downpayment Assistance Program (DAP)
6. Closing Cost Assistance Program (CCAP)
$6,500 maximum loan amount
3% simple interest, deferred
Term 30 years
Repayment at maturity, sale, or refinance
Minimum 3% downpayment
7. Closing Cost Assistance Program (CCAP)
Eligibility
Maximum Income 120% of AMI
1 2 3 4 5 6 7 8
$88,600 $101,300 $113,950 $126.600 $136.750 $146,850 $157,000 $167,100
First-time homebuyer. Borrower has not owned a home in
Santa Clara County for the past three years
Minimum 620 FICO score
38% Front-end ratio; 45% Back-end ratio
Home must be located in Santa Clara County
8. CCAP Application Procedure
Application available online at the Housing Trust
website, www.housingtrustscc.org
First lender submits application with supporting
documents and non-refundable application fee to
the Housing Trust
Housing Trust turns around application within five
business days
Housing Trust wires funds to escrow at closing
9. Equity Share Co-Investment (ESCO)
Borrower puts down 5-15% as downpayment
Housing Trust matches dollar for dollar up to 10%.
Maximum ESCO is 10% of the purchase price up to
$75,000.
Term is 10 years
No payments due during the term of the ESCO investment
At sale, refinancing or maturity, borrower and HTSCC share
in any appreciation of the property in proportion to the
percentage of original equity investment. Borrower gets
credit for principal payments and any qualified home
improvements
10. Equity Share Co-Investment (ESCO) Eligibility
Maximum income is 140% of County AMI
1 2 3 4 5 6 7 8
$103,390 $118,160 $132,930 $147,700 $159,530 $171,360 $183,120 $194,950
Borrower must be first-time homebuyer, defined as not
having owned a home in Santa Clara County in the past 3
years
Minimum FICO score is 650
Maximum Front-end debt ratio is 38%. Maximum back-end
debt ratio is 45%
Home must be located in Santa Clara County
11. Example-First-Time Homebuyer ESCO
$800,000
$700,000 Investor IRR 11%
-
40,317
-
$600,000 171,958 Homebuyer IRR 17%/
176,066 11%*
$500,000 -
37,500 37,500
37,500
-
37,500
$400,000 103,320 Transaction Expense
72,746
-
Appreciation
$300,000
Homeowner
$200,000 $425,000
$352,254 $352,254 Trust Fund 1
$100,000 Principal Payments
Mortgage
$-
Closing Year 10 Upon Sale
Note: Assumes an amortizing loan, 3% annual Home Price Appreciation, 6% cost of sale, 30-year fixed-rate
amortizing mortgage. 85% of purchase prices borrowed; Trust funds 7.5%, homeowner funds 7.5%.
*Homebuyer earns 17% on d.p. incl. mortgage principal credit; 11% not counting mtg. principal credit
12. ESCO Application Procedure
Program guidelines and application available online at ESCO
website, http://www.ahepllc.com/partners/htscc
Applicant submits ESCO application with first lender pre-
approval letter and other supporting documents
Applicant attends approved first-time homebuyer class
Applicant attends ESCO program seminar
Housing Trust responds within 10 business days
13. Mortgage Assistance Program (MAP)
Maximum loan amount $35,000. Exceptions may be made
to this limit at the discretion of the Housing Trust on a case-
by-case basis.
Amortizing second loan
Interest rate is 1.5% above the Fannie Mae conforming rate
Loan has a 30 year term
Loan can be used toward home purchase, for closing costs,
mortgage insurance premiums, interest rate buy-downs, or
other costs approved by the lender and Housing Trust
14. Mortgage Assistance Program Eligibility
Maximum income is 120% of AMI
First-time homebuyer, defined as not having
owned a home in Santa Clara County for the past
three years
Minimum FICO score of 680
38% Front-end ratio; 45% Back-end ratio
Home must be located in Santa Clara County
15. MAP Application Procedure
Application available online at Housing Trust
website, www.housingtrustscc.org
First lender submits application with supporting
documents and application fee
Housing Trust reviews processes application
within five business days
Housing Trust wires funds to escrow at closing
16. Downpayment Assistance Program (DAP)
$15,000 loan amount
Maximum income 120% AMI
First-time homebuyer
Payments deferred for first 5 years
Converts to amortizing loan in 61st month
Program administered by Neighborhood Housing Services
Silicon Valley (NHSSV)
NHSSV must be first mortgage lender
Contact NHSSV to apply, www.nhssv.org
17. Program Comparison
Income Limits Maximum Loan Loan Terms
Amount
Closing Cost Up to 120% AMI $6,500 3% simple interest,
Assistance Program deferred, 30 years
ESCO Up to 140% AMI 10% of purchase Equity share at sale,
price up to $75,000 refinance or 10 years
Mortgage Assistance Up to 120% AMI $35,000 Amortizing loan, 30
Program year term
Downpayment Up to 120% AMI $15,000 Amortizing 30 year
Assistance Program loan, 5 year deferral
18. Program Availability
Closing Cost Assistance
Applications and guidelines available on Housing Trust website
ESCO
Applications and guidelines available on the ESCO website,
http://www.ahepllc.com/partners/esco
MAP
Applications and guidelines available on Housing Trust website
DAP
Applications processed by NHSSV, www.nhssv.org