A protected Trust Deed is an instrument to help an individual out of an insolvency crisis. It is lesser known than the more popular IVA (Individual Voluntary Arrangement) and runs for approximately three years as opposed to the IVA's five. But many aspects of the two are the same or very similar, and both share exactly the same purpose.Protected Trust Deeds carry none of the stigma of bankruptcy or sequestration, whose awful aftermath the...more
Pool tables provide great enjoyment and entertainment. However, to get a nice pool table you are going to have to dish out some money for a really nice one. They can be worth the investment.Budgeting and finances are an extremely important consideration when purchasing a pool table. Before you start looking you should ensure that a pool table is within your budget. Pool tables are available at a range of prices to suit different needs and...more
As I mentioned last week, real estate is one of my absolute favorite areas in the tax law because there is so much flexibility in how to do things to legally maximize the tax benefits available.Real estate is also one of the most complex areas of the tax law. This makes it easy to overlook important steps, which can lead to missing out on tremendous tax savings.I recommend reviewing your tax strategy throughout the year, particularly as it relates to real estate. This makes it much easier to make adjustments timely, minimize oversights and reduce stress at the end of the year and tax return time.With the end of the year approaching quickly, it is an ideal time to implement a year round strategy to review your tax strategy as it relates to your real estate. Start with my year-end checklist for rental real estate and then adapt it to use throughout the year.Year-End Checklist for Rental Real EstateAs I noted above, real estate is one of the most complex areas of the tax law. This checklist uses terms and concepts that are directly from the tax law.Here are a few items from the checklist my team and I use when working with clients:#1 Understand Your Losses Understand how your real...more
Purchasing school uniforms from a school uniform wholesaler can save money. Talk to your school to see if they are willing to buy in bulk for wholesale school uniforms. If they are not able to, see if they will allow you to organize a group purchase at the school to save money.Schools can purchase school uniforms from a uniform wholesaler can...more
Written english is a tricky thing for the average writer; could a sentences corrector finally change this difficulty? Written language is both an art and a craft and enables us to reach many of our goals: these can include family, money, respect, etc. Surely you are interested in the impression you make through your writing; so be...more
Mortgage refinance if accomplished the way as it should be, can be incredibly helpful for a homeowner. Then again, doing it in the incorrect way will cost you a great deal of your efforts, time and above all money. There are a few reasons why a mortgage refinance might not be an excellent option, though.If the existing interest rate on your home loan is not a great deal more than the interest rates you can be eligible for, a refinance might not be an excellent idea. On an average, if you can save at least 2% or more in interest rates, then you will stand to gain from refinancing your home. If difference in the interest rate is less than 2% than what you currently have, you might have to make out what the gains will be, given that the amount of money being saved might be negligible with all the expenses of closing cost and refinancing involved. If you do not get a better mortgage rate and deal while refinancing your current mortgage can bring about troubles in due course and might cost you dearly than your current mortgage.A number of homeowners are fascinated by variable rate mortgages since they are cheaper and easier to manage. On the other hand, they are not often...more
For the past two years, the stock market has performed like a yo-yo. One day, it's up. The next day, it's down. No one agrees on where the economy is headed.Some people are ready to retire and need to decide how to roll their 401k...more
In the modern world, it can sometimes seem as though anything worth buying requires a loan or other financing product before the purchase can be made. This is largely the case when it comes to cars; though most people in the developed world and...more
I wrote an article several months ago about whether forex intervention works. I am following up with this article as the forex market is probing Swiss National Bank (SNB) resolve to continue intervening to keep EUR/CHF in a range.The SNB's...more
Registry Easy Cleaner is not a scam. First, Registry Easy Cleaner is more functional, compatible and useful than a registry scanner. Compared to other registry applications, it can be installed and used with all releases of Windows...more
Can you afford your lifestyle? How much income does it really take to live the way you want?And what can you do about paying for it?First of all, what is a "lifestyle"? Well, it's the quality of your living and working environment: the house you...more
In all of the excitement of shopping for Brisbane home loans and finding just the right place, it's easy to let the impending move - and everything that needs to be done for it - get put on the back burner. Without a doubt, working with Brisbane...more