To Buy or Not to Buy

Written by Madan "Raja" Ahluwalia


Purchasing a home is a major emotional and financial decision. Often times, people want to buy a home; however, emotionally cannot afford to commit torepparttar home-buying process. They are, in fact, afraid. “My payment will be too high” or “What if I lose my job,” are some ofrepparttar 101256 “excuses” which I often hear. People do not realize that they are able to meet allrepparttar 101257 commitments over their life span.

In any event, when everything is said and done, here are some ofrepparttar 101258 major advantages of buying a home:

1. Quality of Life. Home-buying and living in your home affectsrepparttar 101259 quality of life. It adds to your confidence, giving you a sense of pride and satisfaction. You have a sense of emotional well-being as well as peace of mind.

2. Tax Deductibility of Mortgage Interest. The entire mortgage interest payment is tax-deductible andrepparttar 101260 “net” cost ofrepparttar 101261 mortgage payment actually puts money in your pocket.

3. Tax Deductibility of Property Taxes. Similarly,repparttar 101262 property taxes are due and payable twice a year and may seem like a lot of waste of money. Typically, property taxes are $1.10/$1,000 of your purchase price. However,repparttar 101263 property taxes are also tax deductible and you get it back inrepparttar 101264 form of tax savings.

4. Appreciation Potential. Typically and historically, nationwide property values have gone up in value at 7% per year. In California and some other states, properties have, in certain good economic times, appreciated atrepparttar 101265 rate of over 20% per year. At 7% conservative rate,repparttar 101266 property doubles up in value in 10 years. So, a property worth $500,000 will be worth $1,000,000, equaling a gain of $50,000 on a yearly basis. For an average person, it is difficult to save that kind of money.

5. Deferred Capital Gain Treatment. Real estate investment capital gains can be deferred by exchangingrepparttar 101267 property for like-kind property. So, whenrepparttar 101268 property appreciates and you decide to sell it and do no want to payrepparttar 101269 capital gains tax, you can buy another property of like-kind and avoid capital gains tax. This allows you to switch properties when required, for example, an area might be facing downturn or you might be moving, etc.

Yet More Care Hair Myths - The Truth And The Lies

Written by Michael Barrows


Those hair care myths just keep coming! In this third of 3 articles, we examine some ofrepparttar most widely known myths - and dig outrepparttar 101255 truth…

1. Hair should be washed every day

FALSE: There is no correct schedule for washing hair. Every person should shampoo according torepparttar 101256 specific needs of their hair type and texture. While some people do benefit from a daily shampoo, others benefit from a variety of shampooing schedules.

2. More lather = a more effective shampoo = cleaner hair

FALSE: Lathering agents are often added to shampoos, but more foam doesn't mean cleaner hair.

3. Hair develops immunity torepparttar 101257 same shampoo over time

FALSE: There is no scientific evidence to prove this myth.

4. Brushing your hair is better than combing it

FALSE: Actually, your hair reacts better to a comb than a brush. Brushing it will only lead to split ends and hair breakage.

5. Split ends can be repaired without trimming

FALSE: The only successful treatment for removing split ends is with a scissors. Some hair care products may temporarily merge split ends together, but this only lasts until your next shampoo. Always remember that damaged ends tend to grow slower than healthy, well-maintained, trimmed hair.

6. Coloring hair during pregnancy is harmful

FALSE (PROBABLY): Some physicians disagree, but most believe that coloringrepparttar 101258 hair during pregnancy is not dangerous torepparttar 101259 baby. When in doubt always get your physician’s permission to color your hair during pregnancy. Most experts believe thatrepparttar 101260 key danger with hair coloring is notrepparttar 101261 application ofrepparttar 101262 product torepparttar 101263 scalp butrepparttar 101264 inhalation ofrepparttar 101265 strong chemical odor.

7. Virgin root hair should be treated differently

TRUE: The hair that is closest torepparttar 101266 roots reacts differently torepparttar 101267 application of new hair color and chemical treatments. Hair color applied directly torepparttar 101268 roots will process differently that color applied on hair that has already been treated.

8. Lemon juice will bleach hair blonde

FALSE: Some naturally light haired people may notice a slight lightening or brightening after prolonged sun exposure soaked in lemon juice, but most people wont not see any obvious change in their hair lightness or brightness.

9. A sunburnt scalp can lead to hair loss

TRUE: Severe sunburn or a series of burns that occur over time may damage delicate hair follicles atrepparttar 101269 root level. People with a genetic predisposition towards hair loss may acceleraterepparttar 101270 onset of hair loss activity. Avoid scalp burns by applying sun protection products to your scalp along with your hair.

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