Cash Fact

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Strategies from an IRS insider for slashing taxes, maximizing legal deductions, avoiding audits, and more Through his years as an IRS tax attorney, Sandy Botkin discovered that most Americans could legally­­ and dramatically­­ cut their tax bills by establishing themselves as independent contractors or businesspersons. In Lower Your Taxes–­­Big Time!, Botkin explains how, outlining a straightforward program for writing off everything from family vac… More >>

Lower Your Taxes – Big Time! : Wealth-Building, Tax Reduction Secrets from an IRS Insider

• ISBN13: 9781591841890
• Condition: USED – VERY GOOD
• Notes:

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Michael Moe was one of the first research analysts to identify Starbucks as a huge opportunity following its IPO in 1992. And for more than fifteen years, he has made great calls on many other stocks, earning a reputation as one of today’s most insightful market experts.

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Finding the Next Starbucks: How to Identify and Invest in the Hot Stocks of Tomorrow

Are you planning on Buying property in Goa??  Then we at Magic Masons feel that congratulations are in order, as, in light of the golbal financial melt down there is no better time to purchase property in Goa than right now.

http://www.magicmasons.com

 For your conveninence we have provided you with all the information you would require to purchase your property with the least amount of stress. “Forewarned is Forearmed”  right?  

We have cateogerized them as follows: 

Reserve Bank of India Rules for Non-Residents Home Finance for NRIs & PIOs Buying Process Typical Payment Schedule for Off-Plan Property Purchase Magic Masons Charges

Further:

 we periodically update/ add, fresh, relevant yet vital information for your benifit. Including how to go about choosing the right representation, i.e. Real estae agency, Legal Counsel, etc. And how to avoid clandestine agencies or operators from turning your dream into a night mare. 

Rules Governing Property Purchase in Goa by Non-Residents Rules pertaining to purchase and ownership of immovable property in India are governed by the Reserve Bank of India. A summary of the current prevailing laws are enumerated below. to view full details on Reserve Bank of India’s official website. Rules for NRIs (Non Resident Indians) and PIOs (Persons of Indian Origin):

 ·    An NRI is defined as a person residing outside India who is a citizen of India.

A PIO is defined as a person who has at any time held an Indian passport, or whose father or grandfather has been a citizen of India. NRIs & PIOs are permitted to purchase any number of residential/commercial properties in India. No special permission or filing of documents is required with the RBI. Under the general RBI permission available to NRIs & PIOs, funds must be remitted to India through normal banking channel or funds held in his NRE / FCNR (B) / NRO account. No consideration should be paid outside India. The NRI / PIO may repatriate the sale proceeds of immovable property in India acquired by way of inward remittance through normal banking channels or by debit to NRE /FCNR (B) account. The amount to be repatriated should not exceed the amount paid for acquisition of the immovable property. Repatriation of sale proceeds of residential property purchased by NRI / PIO out of foreign exchange is restricted to not more than two such properties. Capital gains, if any, may be credited to the NRO account from where the NRI/PIO may repatriate an amount up to USD one million per financial year subject to tax compliance. (Please refer the RBI Website for full details) 

Rules for Foreign Nationals of Non-Indian Origin: 

Foreign Nationals are permitted to lease property in India for a period of up to 5 years without the need for any special permission from the Reserve Bank of India. Foreign companies who have been permitted to open an office in India are also allowed to acquire any immovable property in India, which is necessary for or incidental to carrying on such activity. This stipulation is not available to entities which are permitted to open liaison offices in India. Though RBI rules allow a foreign national who is a Resident of India (i.e. one who has completed more than 182 days stay in India in the previous financial year) to buy property, the rule also states that “… the person concerned would have to obtain the approvals, and fulfill the requirements if any, prescribed by other authorities, such as the concerned State Government”. (Please Note: We DO NOT advise foreign nationals to attempt to purchase property in Goa via this route at the moment.) (Please refer the RBI Website for full details) 

Home Finance for NRIs & PIOs All major banks in India provide Home Finance for NRIs and PIOs. Check the details below for an overview of home financing options available from ICICI Bank. Majority of properties on Magic Masons Marketing Services are already pre-approved for Home Loans by reputed banks.

 Purpose of Loan: Loans are offered for purchase, construction, extension or renovation of a new house or apartment. 

Tenure of Loan: 

For Salaried persons – Up to 15 yrs. For Self-employed persons – Up to 10 yrs.

 Maximum Loan Eligibility: 85% of the total cost of the property 

Documents Required: Click here if you reside in the USA

Click here if you reside in UK

Click here if you reside in UAE

Click here if you reside in Other Countries 

Tools: Loan Amount Eligibility Calculator 

EMI Calculator (Floating Rate)

EMI Calculator (Fixed Rate) 

Buying Process Once you decide to buy a particular property, the following typical process is recommended. However, please note that this process may differ slightly from Developer to Developer, depending on the property selected. 

On receipt of your enquiry we will check back with the owners/developers to re-confirm availability of the property and revert to you.

Though the properties on our site are of reputed owners/developers, purely as a matter of ‘Due Diligence’ we recommend that a legal scrutiny be done by a local Goa lawyer appointed by you. (Magic Masons provides complete assistance for this, making it hassle free for you. See MM Services. In cases where the project has already been legally checked and pre-approved by Banks, this step is optional.

Once the Lawyer completes the scrutiny (usually a period of 4-5 days) and gives his approval, you decide whether you/your representative wants to make a site visit/meet the owner/developer. If so, Magic Masons makes all the arrangements for this. (If you are not visiting personally but sending a representative, you need to give us a letter of authorization for your representative).

Once you decide to purchase the property a Booking/Token Amount is to be paid by you to the Seller/Developer to confirm your intent to buy the property. An official receipt for the same is issued to you by the Seller/Developer as acknowledgment of your payment and that the property has been reserved for you.

Magic Masons Sourcing & Coordination Fees of 2% + Govt. Service Tax is also to be paid by you at this time.

The next step is to sign the ‘Agreement of Sale’ (for properties under construction). If a property is ready for possession, this is not required and one can directly sign the final ‘Sale Deed’ against payment of the balance amount due for purchase of the property. Sale Deeds must be registered with the Registrars office.

At the time of signing the ‘Agreement of Sale’ most Developers require you to pay up the value of all installments that as per their Payment Schedule (linked to progress of construction) fell due for payment up to the current stage of completion of construction. Once signed, the ‘Agreement of Sale’ should to be registered with the concerned authorities. Subsequent payments are to be made in installments as per the developer’s payment schedule for the remaining part of the construction. The ‘Sale Deed’ is signed once construction is completed and you can take possession of your property.

Stamp Duty & Registration charges for properties in Goa is currently at 4%. Usually 50% of this is paid at time of signing the ‘Agreement of Sale’ and the balance at the time of signing the ‘Sale Deed’.

It is best to be personally present in Goa for signing the ‘Agreement of Sale’ and ‘Sale Deed’ and registration of these legal documents. However if this is absolutely not Possible, you may appoint a ‘Power of Attorney’ to sign and register the documents on your behalf.

 Typical Payment Schedule (for Under-Construction Properties) Following is the typical schedule of payment asked for by developers in Goa for properties under construction. This is only a representative sample and details may vary from developer to developer and type of property. Typical Schedule of Payment: 

40% – Down Payment to sign ‘Agreement of Sale’. For completion of plinth and work up to 1st slab level. 20% – For completion of 1st slab, and advance for primary masonry and 2nd slab work. 20% – On completion of 2nd slab and masonry, and advance for plastering, wiring, plumbing. 15% – On completion of plastering, wiring, plumbing, and advance for tiling and finishing. 5% -   On Final completion and signing of ‘Sale Deed’.

 Stamp Duty & Registration Charges: Government Stamp Duty and Registration Charges are payable on all property transactions and these are borne by the Buyer. The prevailing rate for Stamp Duty and Registration Fee for purchase of properties in Goa is 4% of the property value.

Goa Property Finder! View 100s of Goa properties before you buy …

Goa Property Finder. Search Goa Property with this Goa property finder. View 100s of Goa Properties before buying Goa property or Goa realestate in Goa.

Goa has many popular well established neighborhoods but it is a matter of your preference.

If you are buying a property in Goa to rent it out, you should ask yourself where you would like to live and rent a property in Goa.

If you are targetting to renting out your new property to the expatriate community in Goa, you should investigate to purchase a Goa property in exclusive neighborhoods.

If you are considering buying a house or condo in Goa, to sell it at a later time for a profit, you should ask yourself which locations in Goa still has affordable real-estate properties with the potential of strong growth. New townships in Goa could be a potential target for the purchase of a property.

When you purchase a house or villa in Goa, you are buying the land and as well the property that was build on the land. Of course the property in Goa will deteriorate with the years but the land the property was build on maybe worth much more, then its original value, so the more land you get when you buy a house or villa in Goa, the more it will be worth in the future. Land in Goa will always have value.

Before you buy a property in Goa, it is important that you understand the basics between a Freehold or Leasehold property in Goa.

It is important that you check out the immediate surroundings where you plan to buy a real-estate property in Goa and you should be cautious of anything near by your Goa property. You should not purchase a property near by of main roads, high tension cables, Electricity substations and as well large water drains in Goa.

If you have contacts into the construction or real estate industry, you could have an advantage if they can let you know of future developments of real-estate projects in Goa, before the general public will be aware of those new real-estate development projects in Goa.

Most buyers of properties in Goa compare prices when they shop around for a new property. You should look through Goa real-estate classifieds ads in local newspapers or search online for real-estate developers in Goa so you have a strong knowledge of the prices for the real-estate properties in Goa.

You should ask yourself the following question before you buy a property in Goa.

Is the property in Goa, leasehold or freehold and if the Goa property is a leasehold property, how much years does the property in Goa has left? How is the neighborhood of your Goa property? Are shops nearby your Goa property Has any work been done on the Goa property since the old owners moved in? Is the Interior or Exterior of the Goa property in good condition? How much you have to invest in additional work for your Goa property Will you be able to obtain a mortgage loan from a local bank in Goa?

If you are not under a time constraints, you should look as many properties in Goa as you can handle. You should visit show units from real-estate developers in Goa or if it is a property in the resale-market, visit that property as often as you can and draw up a list of pros and cons of the Goa property. If you have the time, under no circumstances should you rush in to buying a property in Goa.

You should not only look for a bungalow, semi detached house, or a condominium/apartment or residential land in Goa, but as well for a mortgage loan with a Bank or Financial Institution in Goa.

To know more visit:

http://www.magicmasons.com/

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Being single and living a frugal lifestyle isn’t that difficult as you are the only one involved in all the decision-making. However this all changes once you have a partner or if children come along, expanding your family and income requirements. To ensure a more harmonious life and to avoid future rows about money or even worse getting into financial difficulty it is important that every member of the family understands the need to live a frugal lifestyle..

Sorting out the family budget needs to be tackled first by the adults in the family, as they will have to have a united front if the rest of the family are going to be persuaded to follow the new frugal living regime. The first things to discover and sort out are:

Whether either of the adults have any outstanding debts or savings. These should both be consolidated.

If either of them have credit cards and if so which ones, it is important that the amount of credit cards are kept to a minimum and that the ones that are used are providing the lowest interest rates and best terms.

How much each of them spends a week and how they record their spending. A budget needs to be set for personal spending and a single way of recording the family’s finances should be put into place.

Once the adults are sure of the finances it is important for the whole family to sit down together to discuss the families future goals and why living a frugal lifestyle will help them to achieve these goals. Some common goals are:

Saving for holidays
Retirement
Buying a new home
Children’s futures
Reducing any existing debt.

These goals should be clearly written out and placed in a prominent place in the home as a permanent reminder to everyone.

The last main hurdle in making sure the whole family keeps to a frugal living budget is to make sure they all understand the value of money and sticking to a budget. To do this I believe it is important to treat all children in an honest and adult fashion and instilling in them a sense of responsibility and commitment to the family as a whole.

Young children will need to be given a broad understanding of the concept of money; this can be done in a few simple steps:

Involve the children in buying decisions for large household items, explaining why the items are so expensive and how valuable they are.

Get them to help with making the weekly shopping list and get them to compare one brand with another and the difference in cost

Explain how you make money and how many hours you have to work to earn certain amount.

Give your children a small amount of weekly pocket money in exchange for a small job around the house

Provide the children with a piggy bank and encourage them to save money for items they want to but.

Show them alternative places to shop like charity stores and Garage sales.

Teenagers will need a slightly different approach as their demands for money for things such as buying music; makeup and clothes can put quite a strain on the family budget if not checked early on. It is important to make them realise that they can have these things but in moderation.

Allocate an amount of money that you are prepared and able to spend on your teenagers each week for things like clothes, make up and Cd’s etc and then give the teenager that amount of money in one go every week, making sure they understand that it is up to them to budget this money themselves.

Once the whole family understands that by living a frugal lifestyle they will be helping to achieve family goals and they will all benefit at some point, it will be much easier to keep a reign on the budget and to have a much happier family life.

How do you get a ton of Aion Gold ( Aion Kinah or Aion Kina )? Don’t know where to safely acquire this Aion Gold ( kinah or kina )?. Aion Gold / Kinah is popular in the game Aion Online, which is a quickly growing online MMORPG video game played world-wide. Aion came out last November here in North America and Europe. Aion and Aion Kinah or Aion Gold is becoming more and more popular every day, some believe it will be the game to beat World of Warcraft. I am sure you will have no difficulty buying cheap Aion Gold ( Aion Kinah ) online since there are literally thousands of stores. Some shops (like the Chinese ones) you should be weary of. With enough Aion Gold or Aion Kinah ( Aion Kina ) great armor and weapons. Twinking your character with a ton of Aion Gold is always exciting. No one likes the slow grind when you start out with no Aion Gold (Aion Kinah). Most people will just buy Aion Gold online and blow through the low levels like they were nothing? Here I would like to tell you how to buy aion gold: The easiest way to buy Aion Gold, kinah or kina is to compare the prices of the different sites online.

In the case of finding the cheap Aion Gold or Aion kinah ( aion kina ), quality should be measured in several areas including speed, reliability, price and service.  Check back here frequently to see if an Aion Gold seller is professional, customer focused and not a Chinese scammer. We will constantly purchase Aion Gold from a variety of sellers and tell you how our experience was. Some quality sites will provide 24×7 service so our Aion Gold updates can happen at any time. We prefer to place smaller orders of Aion Gold and check the delivery time, customer service and reliability. We obviously also want to make sure that the Aion Gold we’ve purchased does not get banned from our account. There are a lot of scammers and rip-offs in this market, most all of them are Chinese sellers. We recommend just not purchasing from any Aion Gold store that is run by or located in China. They have no laws which will prosecute them for internet fraud so they typically have no problem taking your money and giving you nothing in return. One quick and easy way to see if a seller is a rip off is to check the site for a lack of proper grammar and use of English. The Chinese very often will not bother to put a ton of effort in to making a quality site because they’re disposable for them. You should always check http://www.AionGold.com before making any Aion Gold purchase, we will review all sellers here so you can be sure that you can make the right choice with little effort. Here you can find the cheapest, safest, fastest and most reliable Aion Gold around the world.

Visit http://www.AionGold.com for more information about buying Aion Gold!

If you have a number of credit cards, or are looking to get another card, then it pays to know about the ins and outs of balance transfers. If you use balance transfers correctly you can save yourself a lot of money in interest payments on your debts. If you are uncertain about how to use balance transfers properly, then here is some advice on the ins and outs of balance transfer?

What is a balance transfer?

A balance transfer is simply where you transfer part or all of one credit card balance to another credit card. You are effectively using one credit card to pay off another one. For example, if you have one credit card with a £1000 balance and another card with no balance, you could transfer some or all of that £1000 onto the card with no balance.

How do I make a balance transfer?

Making a balance transfer is extremely easy, especially if you have online banking. IF you have just got a new card then it is likely that you will asked if you want to make any balance transfers straight away. If you do then you simply give your other card details to the new card issuer along with the amount you want to transfer and they will sort it out for you. Also, on most online banking systems there is a feature to allow you to make balance transfers at any time.

Costs of a balance transfer

Unless you have a special rate for balance transfers, there is usually a cost involved in making a balance transfer. These rates can vary, but are usually either a fixed fee or about 2% of the amount to be transferred. When transferring a balance it is important to take these charges into consideration, because it may cost you more than the money you are saving if you have to pay a variety of fees.

0% balance transfer offers

One good way to make balance transfers work for you is to get a card with 0% on balance transfers. These cards usually charge a fixed fee for transferring your balance, but offer 0% interest on the amount you transfer. This 0% rate usually lasts for around 6 to 9 months, during which time you will not pay interest on your transferred balance. This is especially good for people who are currently struggling to keep up with their credit card payments due to high interest rates. However, you must remember that new purchases on these cards will be charged at the standard APR, and that after the 6 or 9-month period you will have to start paying interest.

Consolidating balances

Perhaps the best way to use balance transfers to your advantage is to consolidate your credit card debts. If you have a number of credit cards with different interest rates and balances, then try and transfer as much as you can to the cards with the lower interest rates. This will save on your interest, and as you pay off the debt you card start to transfer more and more onto the lower interest cards. If you use balance transfers wisely then you can really reduce the interest that you pay and keep up with your credit card repayments.

Image taken on 2008-03-19 23:23:03 by FerencSeitz.