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3 Ways to Find High Yield in Bond Funds

Munis, corporates and non-agency mortgage-backed securities funds offer good income opportunities. Here’s closer look at why.

Article publié pour la première fois le 24/07/2012

3in1 CarHomeUSB Charger for Motorola i890

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3in1 CarHomeUSB Charger for Motorola i890 Designed for life onthego, this ultraportable charger gives you the freedom to go farther and stay connected. The high performance rapid charger combines an AC adapter for wall outlets, a DC adapter for cigarette lighters and a USB cable for charging through PCs. This handy unit features a long, durable power cord for extendable reach and use, as well as a unique LED light that illuminates blue when plugged in to indicate power. Small and lightweight for convenience, portability and easy storage. No matter where you are, youll have the ability to power up your mobile phone device or MP3 while simultaneously charging the batterykeeping the music playing and the communication lines always open….

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 3in1 CarHomeUSB Charger for Motorola i890

Article publié pour la première fois le 11/06/2012

Stocks: Halliburton tops forecasts despite soft North America

Welcome to your favorite News Channel. This is just in:

(Reuters) – Halliburton Co posted a quarterly profit on Monday that topped Wall Street forecasts, helped by higher drilling activity outside North America, lifting the company’s shares in premarket trading. Halliburton, the world’s second-largest oilfield services company behind Schlumberger, had warned last month that a shortage of guar beans in India would depress margins at its pressure pumping operations in shale fields, a key profit driver for the company. …

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Article publié pour la première fois le 23/07/2012

Miller-Valentine Proudly Announces the Grand Opening of Hampshire Landing … – San Francisco Chronicle (press release)

 Miller Valentine Proudly Announces the Grand Opening of Hampshire Landing ...   San Francisco Chronicle (press release)
San Francisco Chronicle (press release)
 Miller Valentine Proudly Announces the Grand Opening of Hampshire Landing ...   San Francisco Chronicle (press release)
Miller-Valentine Proudly Announces the Grand Opening of Hampshire Landing
San Francisco Chronicle (press release)
Our vertically integrated companies offer total real estate solutions in the areas of Design/Build Construction, Development, Management, and Financing for both residential and commercial markets. They also provide Renovation, Brokerage, and Leasing 

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Article publié pour la première fois le 22/08/2013

Samsung SLM SGHA747 Baby Blue SnapOn Protector Case Faceplate

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Article publié pour la première fois le 30/07/2012

Sarasota Florida Real Estate 18% Baby Boomers

Sarasota FL,February 3, 2012 Gerard Pirot, Broker Associate Horizon Realty International, www.sarasotasunsets.com and www.miamihorizoninternational.com wrote :

Pollsters asked respondents to name – unprompted and with no suggested options – a state they might consider relocating to for retirement. About 18 percent mentioned Florida as a top relocation destination.

The survey, conducted by Mason-Dixon Polling & Research between Nov. 14 and 22, 2011, surveyed 1,100 Americans ages 47 to 65 who said they would relocate in retirement, were considering relocation or weren’t sure. All respondents surveyed lived in the eastern half of the U.S., outside of Florida. The survey carries a margin of error of plus or minus 3 percent

Gerard Pirot, Broker Associate Horizon Realty International, www.sarasotasunsets.com and www.miamihorizoninternational.com

Article publié pour la première fois le 06/12/2012

Neighborworks Brings Reverse Mortgage Advanced Counseling Training Online

National reverse mortgage counseling training organization NeighborWorks America will begin offering Home Equity Conversion Mortgage (HECM) continuing education for current counselors through its virtual classroom in September.

Through NeighborWorks’  online course catalog, HECM counselors can access continuing education coursework through the new “virtual classroom,” which NeighborWorks says is designed for reverse mortgage counselors who have passed the Department of Housing and Urban Development HECM exam and have been providing HECM counseling for at least six months. 

The topics covered will include HECM for Purchase, HECM servicing and the HECM marketplace including the secondary market. 

Written by Elizabeth Ecker

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 Neighborworks Brings Reverse Mortgage Advanced Counseling Training Online

Article publié pour la première fois le 04/09/2012

Twelve Tips for Minimizing Your Tax Bill

Want to reduce your taxes? Of course you do. We all do. Well, the latest issue of Money Magazine has a list of 12 ways to reduce your taxes. Here’s a quick rundown along with some thoughts on each.

  • Deduct state sales taxes. You have a choice between deducting state income taxes or state sales taxes. Even if you didn’t save receipts, you can use a tabled value from the IRS. And if you had any big ticket purchases (we bought two cars) you can add that on top of the base amount.
  • Deduct job hunting expenses. You can deduct expenses related to finding a new job, but only to the extent that they exceed 2% of your AGI. Seems unlikely, but worth keeping in mind. Better: You may be able to deduct unreimbursed moving expenses for a new job 50 miles further from you home that your current job — and this isn’t subject to the 2% AGI rule.
  • Relief for supporting adult kids. Full-time students living at home qualify as dependents up to age 24 if they paid for less than half of their own support during the year. Similarly, if you paid for more than half the support of an adult relative in 2012 and their income (excluding Social Security) didn’t exceed $3800, you can claim them as a dependent even if they didn’t live with you.
  • Deductions for renting out a room. If you rent out a room in your home you’re entitled to the same sorts of deductions from your rental income as a traditional landlord. You just have to adjust your calculations to account for your personal space as well as common space.
  • Save on future taxes with a backdoor Roth. We’ve talked about this before. Even if you’re over the income limit, you can still contribute to a Roth IRA through the so-called back door. It’s a bit of work, but well worth the effort.
  • Credits for college. You may be able to claim a tax credit up to $2500 for tuition payments.
  • Bunch your medical deductions. Unreimbursed medical expenses are deductible to the extent that they exceed 7.5% of your AGI (increasing to 10% of AGI for those under 65 in 2013). If at all possible, consider bunching medical procedures into a single year to maximize your deduction.
  • Home office tax deduction. Starting this year, it will be easier than ever to claim the home office tax deduction. Yes, the IRS has a strict definition of what constitutes a home office, but at least you won’t have to do a bunch of complex math if you qualify. Instead, you can deduct a flat $5/square foot up to $1500.
  • Investment taxes. The tax rate on long-term capital gains and qualified dividends is increasing for high income earners. Plus, there will be a new Medicare tax on unearned income. Consider maximizing your retirement accounts offsetting gains with losses.
  • Tax breaks for college savings. If you’re using a Coverdell ESA (also known as an education IRA) consider switching to a 529 plan, which might give state income tax breaks. These aren’t available with for Coverdell contributions.
  • Charitable contributions. If you’re concerned about future limits on charitable contributions, consider making accelerating your donation by using a donor-advised fund. To this I would add: Also consider bunching your contributions in alternate years to maximize your deductions.
  • Avoiding the AMT. There’s not a lot you can do to avoid the AMT, but you can at least minimize some of the costs of certain things that you can no longer deduct under the AMT. For example, state and local taxes. These deductions go disappear when the AMT kicks in so do whatever you can to minimize those state taxes.

Related to that final point, at least Congress has finally seen the light and indexed the AMT to inflation (as part of the fiscal cliff deal) such that a last minute patch won’t be required every. single. year.

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Article publié pour la première fois le 26/03/2013

Regional Shopping Centers Move Closer to the Tar Pit

rsctarpit Regional Shopping Centers Move Closer to the Tar Pit

In today’s changing world, new products and services are introduced almost daily. Products that were used everyday just a short time ago are now obsolete. And the rest are in the process of becoming obsolete.

Getting up to change the channel, using carbon paper, creating documents on a typewriter: These are all once common tasks that no longer exist. Other items and services are on the path to extinction, such as film for cameras, landlines, and faxes.

There is another stage to this type of extinction: Products and services that are just beginning to show signs of obsolescence. Nowhere is it more obvious, unstoppable or dramatic than the change that seems to be affecting America’s regional shopping centers (RSC), which seem to have a very uncertain future.

…Read the rest of Regional Shopping Centers Move Closer to the Tar Pit

 Regional Shopping Centers Move Closer to the Tar Pit

 Regional Shopping Centers Move Closer to the Tar Pit

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 Regional Shopping Centers Move Closer to the Tar Pit

Article publié pour la première fois le 15/03/2013

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