Enjoy A Better Way Of Life With The Right Shreveport Rentals

Published Updated Admin Lunch

byadmin

Did you have a hard day at work yesterday? Did you get home enjoy a bath in your oval Roman tub and then fall asleep under your ceiling fan? If not, you need to find an apartment that will help you to improve your lifestyle. The world can be stressful. However, when you walk into your apartment all of those troubles needed to be washed away. The right apartment will help you to do just that. It will make your lifestyle easier and more relaxed. Thus, you will be able to enjoy a gourmet kitchen, open layout and a private patio. Your life improves when your surroundings improve. That is why people want more out of an apartment than just walls and a bed. If you feel the same, it is time that you did something about it. It is time that you got off your couch and started touring the best Shreveport Rentals. You will be glad you did.

[youtube]http://www.youtube.com/watch?v=H0POjup6fOY[/youtube]

Do you enjoy standing at the sink and washing piles of dishes? Well, there is no reason to do it. You can rent a luxury apartment that features a dishwasher. Further, you can also expect to find a self-cleaning oven and plenty of space to prepare your meals. In fact, after you have prepared a wonderful meal for your significant other, you should dine on your private patio and enjoy the good weather. When you live in an apartment that offers luxury, you can enjoy all the amenities with your significant other.

How do you feel about a late night tennis match with your significant other? Are you thinking that it will be too dark at night to see the ball? Think again. The best properties feature a lighted tennis court. So, there is no reason not to enjoy a game. Further, after the game the two of you can walk along beautiful grounds back to your apartment. It is there that you relax again on the private patio and enjoy a glass of wine.

There is no reason to wait. It is time to start booking apartment tours. A better way of life is waiting for you.

Providing Forex Trading Education

Published Updated Admin Forex Trading

Several Americans and many other various nationalities are very curious and want to find out how to get proper forex trading education. The wealth that can be achieved by trading on the forex market can be very substantial as it is the largest trading market around the world. It rough daily turnover is 2 trillion dollars. Anyone who is seeking forex trading training has the chance of getting a slice of that wealth. Aside from the huge possibilities for its traders, the forex market provides a huge list of benefits one of which is 24 hour financial transactions, its the most liquidated market in the world and provides real time efficient trading executions.

Before you decide to dive into trading you need to get a Forex trading education. Just like several other investments, you should never just dive into trading on the foreign exchange market without know what your getting yourself into. With the correct foreign trading education, you will be on the correct track to learn how to make a large sum of profit by trading on the forex market

So, what are the lessons that you will discover when you take place in a Forex trading education? You will comprehend the actual nature of forex trading training. As you very likely knew initially, Forex stands for foreign exchange or the synchronous exchange of a pair of foreign currency to a different pair of foreign currency. By understanding the nature of trading foreign currencies at the correct time, you are certain of gaining profit, although don’t expect it to be as huge as the profits earned by professional and experienced Forex traders. To be successful getting a good Forex trading education will teach you how to do it.

The starting part of your Forex trading education will center on studying the Forex market background. Recognize that the Forex market has volatile market conditions that are constantly changing, most particularly the foreign exchange rate. Through getting a Forex trading education, you will know how to examine closely such market changes and make suitable decisions.

After you study and learn more about the various aspects of the Forex market, the next part of your Forex trading education is to manage the various risks involved. It is wise to learn about the risks that are involved when trading on the foreign exchange market. You need not to over invest or be overconfident at the thrill of opportunity of making huge money. Also on this part, you will learn how you will cut potential losses or getting out of a deal before your losses reach and even exceed your limits. It is natural that you will lose money when you start Forex trading. It is the most crucial part of your Forex trading education because it will determine whether you will end up making your way to riches or to a black hole.

Once you learn how to manage the risks, you will then need to know more about manage your Forex trading account. You will be involved in practicing Forex transactions using a demo account and virtual money. Doing so will allow you to get to grips of the best ways to use your trading account before getting into real trading transactions. With a Forex demo account, there is no risk involved yet the nature is just as realistic as the real Forex trade. Moreover, your Forex trading education will also let you know whether you are ready to do the real thing or you need more practice. Only then will you be able to start and manage a real Forex trading account.

There are several ways to acquire a Forex trading education. One of the best resources to get a Forex trading education is using the Internet. There are various free sites that allow you to open free Forex demo accounts to practice using your Forex system and trading strategies. There are also free e-books where you can read the necessary information about the Forex market and its attributes. Free webinars (web-based seminars) conducted in real time are available at random schedules. You may also seek some valuable advice from different active Forex traders. These individuals can provide you some insights and important advice regarding the subject of Forex trading.

Now that you know more about forex trading education courses, it is time for you to get some good forex trading education courses. Take your time and do not rush things. With an average daily turnover of $2 trillion U.S. dollars, there is just a lot of money involved in Forex trading. Prepare yourself to grab a slice of that wealth as well to the risks involved.

Getting The Best Commercial Mortgage Rate

Published Updated Admin Building Management Software

By Chris Clarke

Trying to get the best commercial mortgage rate is perfectly understandable, after all a fraction of a percentage point can make a huge difference to the repayments on a larger commercial loan. However, when searching for a competitive rate you should bear in mind that the broker or lender is going to need plenty of information to support the enquiry.

Imagine if you will that someone puts a box containing a 300 piece jigsaw puzzle in front of you, shows you only ten pieces and says ‘Describe the picture to me’ – what are the chances you would be able to do it? You may be able to say ‘Well, it looks as if it’s a sunny day and I think I can make out part of a tree’ but apart from that very little.

This may sound like an irritating evasion of the issue but the question ‘I’m looking for a commercial mortgage, what’s the best rate you can get me ?’ is equally difficult to answer if a useful response is expected. Not least because different people have a quite different understanding of what types of commercial mortgage will qualify for a headline rate.

Of course there are some brokers who will quote you a very favourable rate ‘off the top of their head.’ This is a little disingenuous in that any rate will be largely meaningless and is probably made in the hope that they can impress the potential client and give him reason to return to them first.

Without doubt the best commercial rates are only available from the mainstream banks, including the likes of HSBC, Barclays, RBS etc. and some other commercial lenders such as The Skipton and Norwich & Peterborough Buildings Societies.

[youtube]http://www.youtube.com/watch?v=ftyBn5I6wVU[/youtube]

Remember though, before these organisations will consider offering their best rates they are going to want to know quite detailed information about the business they are lending money to, the people who control the company and full details about the property.

Typically speaking the best rates are only available for established businesses with a clean credit history and plenty of good quality and verifiable accounting information. Professional property investors are also generally considered good quality applicants, but only if the rental income stacks up. The following points should explain what a lender would generally look for:

1. Established Business: Would mean that the business has been profitably trading for about 3 years.

2. Good quality and verifiable accounting information: Accounts that have been professionally prepared by a qualified accountant and if appropriate filed at Companies House.

3. Clean Credit: All existing loans and mortgages are up to date, no late payments to suppliers. No CCJ’s either in the business name or the individual director’s personal names.

4. Investment properties would usually need to have a formal lease in place with a good quality tenant. The rental income will need to cover the mortgage payments by a healthy margin.

The above points only relate to applicants chasing the headline rates. There is now a good degree of flexibility for businesses who cannot fulfil the above criteria.

When approaching a lender or broker with a view to obtaining the best possible commercial mortgage rate (or re-mortgage) an applicant should be prepared to divulge all the above information before expecting a sensible answer. At the very least it would be recommended to have the last three years’ accounts, brief CV’s for each director, an up to date business plan and as much information as you can muster about the property in question.

There is no doubt that there are some very competitive mortgage rates available for the right businesses and researching the market has never been more important. By all means approach your existing bankers first as they most likely to be keen to keep your business but having other options available puts you in the strongest position when looking for the best commercial mortgage rate.

About the Author: Chris Clarke works for Spectrum Business Finance who are experts at helping businesses obtain the best commercial mortgage rate. Visit their website today.

Source: isnare.com

Permanent Link: isnare.com/?aid=140664&ca=Business

Law Firm Internet Marketing An Executive Summary Using The Q&Amp;A Format Part I

Published Updated Admin Law Firm

By Henry Harlow

What do I need to know first about law firm Internet marketing?

In modern business, it is not the crook who is feared most, it is the honest man who doesnt know what he is doing. Pablo Casals

There are tons of vendors out there who want to sell you websites and law firm Internet marketing services. Most are honest people who simply dont know what they are doing. In many cases, they are attempting to sell you something that is overpriced and that wont produce you any new clients at all, let alone good clients. The attorneys I have worked with report to me that the whole Internet marketing process confuses them. They dont know who to believe. Some have spent considerable sums already on websites with little or no results. I aim to stop all that. So keep reading.

Do I need law firm Internet marketing?

Yes. According to Reuters News Services by 2007 there will be over nine million legal services searches done online each month. Additionally, prospective clients and clients expect you to have at least a website or think you may be behind the times if you do not. Finally, while the yellow pages are not a good attorney marketing vehicle today they are going away since people are searching the Internet and not going to the yellow pages.

[youtube]http://www.youtube.com/watch?v=xU4ReVEemN0[/youtube]

What is/is not law firm Internet marketing?

Having a website is not law firm Internet marketing. At a minimum you do need at least a brochure website of a few pages, however, that website is unlikely to get you new business and is definitely not Internet marketing. The rest of this article (in four parts) is going to help you get clear on what Internet marketing is all about.

Where does Internet marketing begin?

Law firm Internet marketing begins with you becoming an educated consumer and then keyword research. Researching your practices best keywords will tell us what words your prospective clients are using to search for legal services on search engines, what legal services your prospective clients are the most interested in, what your prospective client is thinking, how to attract these prospective clients to your site at the search engine instead of going to your competitors site, what your competitors are doing/not doing, what content to write for each of your top keywords (recommend writing a page each to at least the top 20 keywords), what are the words to use for PPC law firm advertising and how to begin search engine optimization. If you have not adequately completed keyword research using software tools like Wordtracker you have not done adequate keyword research and are likely to fail at your law firm Internet marketing.

You mentioned, what content to write for each of your top keywords. What are you talking about exactly?

I am talking about what is known as the CTPM model of Internet marketing developed by Ken Evoy M.D. in 1997. This model works because it is in total alignment with how the Internet works. The C is the first part of the model and it stands for Content create in demand content (you determine what is in demand from the keyword research). The T is Traffic attract targeted traffic. The P is for pre-sell pre-sell the targeted traffic (using such things as newsletters, RSS feeds, free downloads, e-books, autoresponders, audio, video, and teleclasses). The M is Monetize this is where you convert these pre-sold prospective clients to clients easily.

You mentioned, tools like Wordtracker with respect to keyword research in law firm Internet marketing. What is Wordtracker?

Wordtracker is a software tool that can be used to thoroughly research your keywords. Wordtracker is at least arguably the best keyword research tool in the marketplace and there are others. You can go to http://www.Wordtracker.com to get all the details. Your vendor can use this tool easily and should use it for keyword research to put your law firm internet marketing on the right track from the beginning if at all possible.

You also mentioned how to begin search engine optimization. What is meant by search engine optimization (SEO) and exactly what is it and how does it fit into law firm Internet marketing?

There is no mystery in SEO in particular and law firm Internet marketing in general so dont let anyone bamboozle you on that one. As I said earlier SEO begins with appropriate keyword research. If you have not done that you are dead in the water since this is the foundation of everything that comes after in law firm Internet marketing. The next step is the C or content mentioned earlier in the CTPM model. You will need to write keyword optimized content to each of your top 20 keywords or another way to say this is writing your content in the way that search engines want to see it so they rank you higher than your competitors. Your content needs to fit together in a site plan (the term site plan refers to in what order your pages will appear and how they link to one another) that has an appropriate pyramid type structure. This pyramid type structure includes your home page (the peak of the pyramid) themed keyword phrase being supported by all the tier two pages (the next layer of the pyramid) and their tier three pages (usually the base of your pyramid although you could go deeper) support them resulting in higher rankings for all of your pages. There are some technical aspects to SEO as well like the use of clean HTML, heading text, meta tags, alt tags, site map, etc., however, mercifully I wont go into those since they should be known to your technical person. The bottom line is put nothing in the way of the search engines spiders (spiders are sent out from the search engine to read the sites on the Internet) being able to read your site like fancy flash pages get in the way big time for instance. To know more in depth about keyword optimization you can go to http://www.Wordtracker.com where they have a really fine Keyword Research Guide if you want to know more of the details. All of what I just told you is known as on site optimization strategies for law firm Internet marketing. There is also off site optimization as well involved in SEO. Off site optimization means getting one-way links from high-ranking pages of other sites that are related to your top 20 keywords (there we are again with that keyword research being vital) that link to your site. Search engines see these links like a vote for your site. The more high quality votes you have the higher they will rank your site. The term link popularity is used to describe this process in law firm Internet marketing. The royal road to high quality links is having (here he goes again) keyword researched and keyword optimized quality content on your website. You get these links from website directories, article directories, online forums, press releases, etc. I left out reciprocal links because most SEO authorities think they are no longer worth the effort since they are difficult to get and dont really contribute much (or can even hurt) to your page ranking.

We have completed the first part of law firm Internet marketing at this point. In part two we will go into Google Page Ranking, dealing with your competitors, RSS, the factors surrounding costs of law firm Internet marketing and more. I am committed to you being a master of law firm internet marketing at least to the point you will get new clients from your efforts and not get taken to the cleaners by vendors who may not know any better.

About the Author: Henry has individually coached well over 500 attorneys. You can get more free, in depth and objective information on increasing your revenue while reducing your work hours available now at

law-firm-marketing-coach.com

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isnare.com

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How To Weight Train During Pregnancy

Published Updated Admin Food

Submitted by: Bryan Goodger

Nowadays, doctors and health experts advise women to stay active for their, within certain limits, during pregnancy. Doing so can help improve the health of your baby as well as helping you stay as fit as possible. Staying active during pregnancy can make it easier to return to your normal weight after the birth of your baby. You gain even more benefits if you include weight training in your prenatal exercise program. Here are some tips to help you safely weight train during pregnancy.

One thing many women suffer from is postpartum depression and it has been proven that exercise is effective at treating it as well as preventing it to a certain extent, being able to at least reduce the severity of this issue. In other words, if you work out while you’re pregnant, there’s less of a chance you’ll be depressed later on. The exact reason for this isn’t known, but scientists and researchers are finding more and more evidence that exercise has a beneficial effect on brain chemistry. You should also consider the fact that you will feel a lot better physically and emotionally if you exercise regularly during your pregnancy because you will find it much easier to regain your pre-pregnancy body after you give birth.

[youtube]http://www.youtube.com/watch?v=wXmF_erEv1o[/youtube]

Exercising during pregnancy is very beneficial but you will need to avoid certain movements and positions. You should avoid doing exercises that require you to bend from the hips and lifting weights over your head. So, if you’re lifting weights you wouldn’t want to do an overhead press while pregnant. Exercises that target the abdominal region should also be avoided. Exercises where you’re lying flat on your stomach or back are also good ones to avoid. Many exercises that can be done while standing or sitting are safe to do during pregnancy, although it may sound like you can’t do anything.

It would be irresponsible of you not to be careful and take some precautions, no matter how good weight training is for you when you are pregnant. Essentially, you want to use lighter weights and stay away from the heavier dumbbells. Of course, “heavy” is a subjective term that depends on how strong you are and for how long you have been weight training. The rule of thumb is to use lighter weights but do more repetitions. This will allow you to exercise all of your muscle groups while avoiding any strain. You need to remember that the goal of weight training during your pregnancy is to stay fit and not to become stronger.

Exercising while you are pregnant offers a wide range of benefits and, unless you suffer from a medical condition preventing you, you really need to consider incorporating a suitable exercise program. It will not only make you feel better and reduce your stress levels, but it has benefits for your baby as well. Body sculpting and weight training also help tone down back pain, joint problems and help keep your muscles working properly. The benefits we’ve covered are a few of the reasons doctors now regularly advise their pregnant patients to engage in some form of exercises.

About the Author: For more great articles on Health and Wellbeing go to

mistabell.com

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How To Manage Your Community With Hoa Website Software

Published Updated Admin Outsourcing Company

A housing association is a community where the owners of houses work together systematically using coordination. This activity involves different components like finances, legal issues, and specialized responsibilities. To make things easy, the stakeholder works using an hoa website software.

The software easily manages all the coordinations and helps the administrations run the community. It is not that the HOA website software was not in use. But its need was felt drastically during the COVID-19 pandemic when the entire world reached a standstill. During that stagnancy period, this software, with its efficacy, worked to stabilize the management complexities within a housing community and helped the administrators.

Do you know how the hoa website software performs? Let us try to know the things here so that you understand the subject.

Why Do Housing Community Stakeholders Need Hoa Software?

The workings of the housing societies are more complex; therefore, the management uses the software for the people in the community. There are certain benefits of using the HOA software.

Community Involvement

The HOAs have successfully been used to create digital and in-person events that helped members socialize. The software helps create multiple communities through online engagement. Using the software, the stakeholders do not need to spend extra money to plan events. Hence it worked to save money.

Portal Based Services

HOA software acts like a portal-based service that helps property holders communicate with the diverse community. With the help of the software, the homeowners received more information compared to the traditional ways. The ease of working in the portal invites more potential clients.

Community Maintenance

One of the best things that helps the community’s stakeholders, like the homeowners, is that they can update and view the progress of every maintenance being carried out. Not only this, but with the help of the software, they can also make a customized request for service with detailed descriptions. They can also upload photos to add more information.

Financial Transparency

The best advantage that you have with the HOA software is financial transparency. With the help of the software options, they can streamline many of the responsibilities that are necessary for organizing different areas of work.

The owners can track down the payments and the documentation. The software is useful in saving money and administrative costs. The homeowners leveraged the speedy process of payments.

How To Management, Your Community Using HOA software?

To get the answer to this question, you need to understand the workings of the HOA website software. Let’s try to understand the functions of this software.

1. Amenities Software

The professionalism of a community website is based on how fast and easily people can book the amenities. They are managed with the software.

For instance, if you want to book time in the pool or reserve the clubhouse, you can do it with the software. The software makes the process of reservation easy. All you need to do is click and select the date and time.

2. Document Management

Manual document management is extremely difficult these days. You have documents for covenants, meeting rules, safety, and security. The paperwork process of maintaining the documents and distributing them to the community member is time-consuming.

Hoa website software offers a centralized system where you can save files in different folders. Give access to members so that they can see the files when required.

3. Payment Processing Software

You might know that the manual processing of your payment systems is monumental work. But with the help of HOA software, residents can manage it. They take the benefits of online payments, and at the same time, they avoid manual paper checks.

With the management systems, speed and convenience can both be achieved. When you are considering debit cards or credit cards, you can take the help of the HOA payment software forms to leverage the services.

Bringing The Discussion To A Close

The HOA community software has its benefits and advantages. The housing communities are leveraging them to manage different functions associated with running housing communities. They are the need of the hour, which is why the communities are using the management system to simplify things. The software has to ability to automate the hosts of services and help make processing easy.

Juicy Couture Uk Challenging Kids And Robust Sitting Down

Published Updated Admin Performing Arts

Juicy Couture Uk Challenging Kids and Robust Sitting down

by

Rene Haralson

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Sturdy sitting is really a wonderful training for our youngsters — very frankly for any child let alone adults.Kobe Bryant Shoes Robust sitting down helps a difficult little one who defaults to your combat or flight tendencies with the mental stem. Kids with Reactive Attachment Disorder (RAD) stay in a chronic express of anxiety,Jordans On Sale dread, and hyper-vigilance. As they heal, obviously, these are in a position to operate more and more from the front with the mental, the neocortex, and behave in age proper techniques.

It truly is a fantastic notion on your difficult youngster to try and do a strong sit a minimum of after per day and typically a lot more usually.Louis Vuitton Bags You\’ll find various various periods throughout the evening along with a assortment of circumstances when powerful sitting down can be appropriate and valuable. Here are some examples.

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Introduce strong sitting down gradually.Cheap Christian Louboutin Start off which has a minute and gradually boost the length until your little one can sit for a person minute for annually of age. The primary times your kid powerful sits it needs to be in a very peaceful setting devoid of distractions. As your kid masters powerful sitting devoid of distractions, steadily add in distractions, which include washing dishes, residence cleansing, or even the car radio.Cheap Jordans Once more, be resourceful and introduce the distractions that happen to be element of one\’s program in the home. We want our little ones to get in a position to emphasis towards the time allotted and with other activity all around them.Louis Vuitton Shoes This aids prepare them to the realities of everyday life when there will be the necessity to remain calm and centered inside experience of disruptive action moving on around them.

It can be important that robust sitting down be performed appropriately. Weak sitting down just isn\’t acceptable. Hence, right posture, remaining nonetheless and serene,Juicy Couture Uk with relaxed belly breathing are mandatory to accomplish the reasons of sturdy seated. Enable your baby realize that it is usually a strong sit of five mins or perhaps a weak sit of ten mins. It truly is as much as the youngster! To find out how you can do it, acquire a check out this demonstration performed by 4 delightful little ones on You Tube at

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Our kids\’s life are already so complete of turmoil and disruption that they deserve to generally be introduced to pursuits that assist them chill out and really feel at peace. When we current them with options to learn relaxation, to experience what it is not to be chronically tense and anxious, we\’re nurturing them within a impressive way. Convey sturdy sitting into your day-to-day routine and you also will see a big difference within your kid.

Do you use strong sitting down inside your family? How does your youngster manage it? Would you advise robust sitting down to others? Make sure you deliver me an e mail and enable me know your ideas about robust sitting.

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Not A Homeowner? Get A Break With Bad Credit Tenant Loans

Published Updated Admin Financial Planners

By Peter Taylor

It is quite true that your house plays a very important factor while taking a loan. A homeowner definitely gets more benefit than a non-homeowner. But that doesnt mean if you are a non-homeowner, you will not get a loan deal according to your requirements. If you are finding it difficult to get affordable loans being a non-homeowner, avail bad credit tenant loans which offers loan to non-homeowners. These loans are available especially to non-homeowners having a bad credit history.

Bad credit tenant loans are offered to various types of non-homeowners including council tenants, housing association tenants, MOD tenants, private landlord tenants, living with parents, housing executive tenant etc. They can easily apply for bad credit tenant loans.

Before going any further towards applying for bad credit tenant loans, you should first of all be clear about what a bad credit history is and how far you are eligible for the loan. A bad credit history includes any of the following:

-Arrears

[youtube]http://www.youtube.com/watch?v=GLSjIYWkFh8[/youtube]

-Defaults

-Bankruptcy

-CCJ

-Poor credit score

-Late payments

Your credit score plays a very important role in getting you the loan. In fact the lender qualifies you for the loan amount on the basis of your credit score. To know your credit score, you can request various credit rating agencies to send your credit score. Credit score is basically a history of how you have been paying off your debts till now.

You can get a bad credit tenant loan in two forms- secured and unsecured. A secured loan is offered against a security. Since you do not own a house, the collateral usually comprises jewelry, car etc. You can get a loan amount ranging from 3000-25,000 for a period of 2-25 years with secured loans. While unsecured loans do not require any collateral but are offered in small amounts ranging from 1000-10,000 for a repayment of 6 months to 10 years.

The interest rates are charged according to the loan amount and the repayment term. However with a thorough research on lenders, you can get bad credit tenant loans in a very cheap rate. Internet has a list of whole range of lenders where you can easily look out for the best lender.

Avail bad credit tenant loans and get a chance to live a stress-free life. These loans give you a fair chance to improve your credit history increase your chances of getting a better deal in future.

About the Author: Peter Taylor is a senior financial analyst at fastcashloantenant with an acumen for finance and insurance. To find Bad credit tenant loan, Unsecured tenant loan, Unsecured loan, Fast cash loan tenant, Fast cash tenant loan,that best suits your need visit

fastcashloantenant.co.uk

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It’s Time To ‘Fall’ Back Intointo Budgets

Published Updated Admin Financial Planning

By Adriana J Noton

After all of the long weekend getaways, days at the beach and nights on the town this summer, fall is the prefect time to create a responsible financial plan before the end of the year.

While everyone can excuse a little excessive spending in the hot months by saying ‘it’s ok – it’s summertime’, once September arrives, it’s time to get realistic and back into better spending habits. So, what does this mean exactly? Well, it may be time to put the credit card away and start drawing up a budget. This applies mainly to students for whom the allure of a credit card may be too tempting. Money is very easy to spend in university, especially when you can’t see it. Credit card companies understand that student’s are easy ‘prey’, as they are new to the concept of a credit card. It is therefore, more likely they likely they will fall into financial debt. As secure as a credit card may make you feel, and as tempting as they may be, a credit card should be used responsibly.

The number one thing to remember is a credit card is not ‘free money’. You will have to pay back everything you charged on that card back one day, and if it takes you too long, it will cost you significantly more money due to high interest rates. However, a credit card is also a great way for a student to start building a good credit rating. So, when it comes to making large purchases for the future, for example a home, banks will see that your credit rating is good and you won’t have any problems being approved for a loan. The major problem is when people build such massive debts and a bad credit rating during their student days, it will come back to haunt them in adulthood.

So, what can a student do now to help prevent high debts in the future? Well first of all, you will notice many credit card companies set up stands on campus to entice students to sign up with their ‘student credit cards’. No matter what you call it, a credit card is a credit card. Before you start the year draw up a budget that you know you can adhere to.

[youtube]http://www.youtube.com/watch?v=esWYgw5IWMk[/youtube]

Try something like this:

— Start with adding up your fixed monthly expenses: rent, insurance, utility bills, etc.

— Then add in expenses that will fluctuate like groceries, gas or transportation costs, etc.

— Don’t forget to leave room in your budget for entertainment, eating out, shopping, leisure activities or anything else you buy regularly like a magazine or a morning coffee.

— Start keeping track of your debit and credit card statements to see where you are spending the most money, and where you can make an effort to cut back. Reducing the amount you spend on coffee or the weekly magazine could help you save money for something bigger like a new computer or a vacation.

— Try to pay off your entire credit card balance every month. If you don’t have enough money in your account to buy a specific item then think twice before you make the purchase

— Keep all of your receipts accessible, with a running tally, so you know how much you’ve spent every month. Then when your statement arrives and you discover all the purchases you have charged on your credit card you won’t be in for a shock.

The student life can be a tough one, and spending beyond your means will only add to the stress. So a budget is key to your survival. If you have problems developing a budget, look on your campus website for help or talk to a financial advisor. There are usually seminars and people who are there to help. Start the fall off right and develop a budget that you will be thankful for in the long run.

About the Author: Thousands of Canadians struggle with debt each and every year. For non-profit

credit counselling

and

debt consolidation

resources and tips visit Consolidated Credit; teaching consumers how to budget, get out of debt, and use credit wisely.

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Your #1 Investment Tax Write Off: Real Estate Depreciation

Published Updated Admin Real Estate

By Monte Lee-Wen

Sometimes Tax Time can be so painful…

Remember the last time your Mutual Funds took a loss and you STILL had to pay taxes. Doesn’t seem fair. And when your stocks take a loss all you can do is write that off against your stock gains.

Have you ever thought to yourself,

“Wouldn’t it be nice to be able to get good cash flow and a generous tax deduction from the same investment?”

Think of it… a single investment offering you the best of both worlds. Is that even possible?

I have good news, because

that is Exactly what direct ownership in Commercial Property offers you.

AND I guarantee you this is information your Stock Broker doesn’t want you to know.

[youtube]http://www.youtube.com/watch?v=YEvvKsqvZhw[/youtube]

Here’s the best tax write off in Investing…

When you own Commercial Real Estate you can take as much cash flow as the property will produce as income AND use Depreciation to write off thousands of dollars of that income every single year.

There it is … that “Best of Both Worlds”. You take Cash Flow as income and write off Depreciation at the same time … no matter how much Income you made on the property that year.

Here’s how Depreciation works…

Commercial Real Estate is “Depreciated” using a 39 year tax life. The IRS basically says that the buildings on the property are worthless 39 years after you purchase. This means every year you can write off one thirty ninth of the value of the building(s) against your income for the year.

It’s a leveraged write off too…

Here’s what I mean. You get to write off 1/39th of the Entire Value of the Entire Property … not just money you personally put in to the deal.

Check out this example…

If you put $200K cash down on a $1M Commercial Property, you can use Depreciation to write off 1/39th of the full $1M – not just the $200K you put in. This equals $29,614 per year, every year for 39 years in a row if you wish.

And it gets even better…

You can even “Accelerate the Depreciation” and take a bigger write off than this.

Certain parts of your Commercial Property can actually be depreciated over shorter tax life periods and give you an even larger depreciation deduction. It’s done using a technique called Cost Segregation.

Here’s how it works…

Some components of your Property have a tax life of five years, some seven or even 15. There are consultants who can routinely add thousands to your annual Depreciation write off by taking a week to do a Cost Segregation Analysis for you. You can find hundreds of Cost Segregation Consultants with a single search of that term in Google.

Accelerated Depreciation is totally painless, gives the already generous depreciation write off a major boost. Even though it sounds like magic, this technique is completely above board and accepted by the IRS.

At Tax Time it is important to remember this…

Depreciation is the #1 Tax Write Off available to investors today and just one of the reasons Commercial Property deserves a prominent place in your portfolio.

We have created a special report outlining 35 separate unique advantages of direct ownership of Commercial Property. You can download your copy at our website below to kick start your Commercial Real Estate Investing Education.

About the Author: Monte Lee-Wen has purchased over $150 Million in Commercial Property to date. As CEO of Investortours University, his training programs teach you the Insider Secrets of Commercial Property Investment. CLICK THIS LINK NOW to start your

Commercial Real Estate Investing Education

with his FREE Report “35 Reasons You Should Invest in Commercial Real Estate”

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