It's no secret that the real estate market is suffering due to the economic changes that today's citizens are facing. Unemployment is on the rise and more people are realizing that the home they purchased years ago; is not affordable for them now or underwater. Others that are finally financially capable to purchase a home are having a hard time finding financing that they qualify for without a hair sample, blood sample, and your first born child as collateral! However, it is important to remember that a positive attitude will succeed any disaster. As a real estate investor I am inundated with lots of calls from people that are, quite honestly, lost as to what to do in their current situation. Frankly it brings me to tears because the number one thing that they all have in common is that they were not educated on what they were getting into. Although I certainly empathize in these times, I have seen a distinct difference in the attitudes of these people. The first is the victim role, people put the blame on the mortgage company or lender for their situation and sometimes try and take action to "get back" at the other party involved. The other attitude is one of personal responsibility, these people realize that it is their "fault" and do not place blame on anyone but themselves. At first...Read More
When you are looking for investment jobs, knowing the best places for finding them can offer some advantage. There are a few places that might immediately come to mind, and of course, it depends on your location and the type of pace you like to keep. Some people enjoy the speculative nature of the venture capital field and if you are interested in becoming an entry-level investment analyst, you have to be prepared for a substantial amount of learning to reach the next levels in this highly speculative type of investment. There are many venture capital firms you might consider and they are constantly looking for aggressive sales-minded and highly analytical people to help them raise and lend venture capital. These companies are responsible for funding many of the operations that create jobs, once they are capitalized. Many of the best places for investment jobs can be in the investment banking industry, but it can be tough to break into this field, without the proper knowledge, experience or background. That’s not to say that you can’t start out in an entry-level position and work your way into higher paying positions. In the investment banking industry, you will find full-service investment banks that deal on an International basis and there are regional investment banks that are more localized to a specific region. To break into either of these places that...Read More
California is a huge state with varied climates, terrain and populations. As you may expect, the variety of options available for dental care and insurance is plentiful. Nonetheless, it is fairly easy to find California dental insurance for you and your family. Among the types of dental insurance available you will find assistance from Medi-Cal. DentiCal, or CalWORKS or even SSI. Some people who approach dentists with these plans are expected to pay part of the costs, others are not. Be sure to ask so you are not surprised when you get to the dentist. Medi-Cal beneficiaries have their costs calculated every month by looking at your net income (after taxes) and deducting what is considered to be your level of "maintenance need". In addition, you may have to meet a certain threshold of dental and medical expenses before the assistance is applicable. Actually that is one reason some people purchase California dental insurance because it helps them meet their medical health care threshold and become eligible for Medi-Cal assistance. If that is confusing, do not be surprised. That is why insurance agents exist. The state office which regulates dental insurance can actually help steer you through the many different programs that California has. For instance, California also has an extensive dental network with different plans that offer the following benefits: No deductibles No claim forms Free exams, x-rays...Read More
Taxes are an often-overlooked aspect of retirement planning. While many Americans are saving diligently and focused on accumulating the biggest “nest egg” possible, many investors may not be fully considering the impact that taxes will have on their monthly income in retirement. This is an important dynamic to understand and will prevent any unnecessary surprises when you enter your hard-earned retirement. Know your retirement plans IRAs, 401(k)s, or other workplace plans are great ways to save and invest for retirement. Your contributions are generally made with pre-tax dollars, and you don’t pay taxes until you withdraw money. If you have access to a workplace retirement plan or an IRA, take the time to evaluate how your savings may be taxed in retirement. It’s important to factor this into your retirement income planning. One way to potentially minimize the impact of taxes in retirement is to accumulate savings in an account that gives you access to tax-free withdrawals. To achieve this, many people choose a Roth IRA. Strategic planning and dedicated saving in a Roth IRA during your pre-retirement years may give you more options to manage your retirement income stream in a tax-efficient manner. In general, a Roth IRA may make sense for investors who anticipate being in a higher income tax bracket later in life (examples include marriage, progressing in your career or annual raises), or who prioritize...Read More
So you have decided to buy your own home in Carmel Valley real estate; the next thing you should do is hire a real estate agent to help you as you may not know much about the home buying process. A good agent will represent you and will always prioritize your best interests in every action he / she does during the transaction. Before you hire an agent, it's wise to discuss with him during the first interview about how he will be compensated as real estate agents can be paid in different ways. Some of them are paid by the buyer for a certain amount they have agreed upon; others make money through commissions based on the property's price. You should prepare a written agreement in which the terms and conditions are stated and have it signed by the both of you prior to the start of the home buying process. This contract has to include the responsibilities of the agent, as well as yours, during the whole transaction. Purchasing a new house involves a lot of complex steps and can be very difficult as there are a lot of factors that you need to take into consideration. There are buyers who do this without any assistance from real estate agent. However, not all of them did it successfully since it is quite complicated. That's why it is...Read More
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