Why do we need to follow the changes?

Written by Cecilia Chang


Ok, we will make it simple like this.

How often doesrepparttar mobile technology changes inrepparttar 101257 markets?

When you buy a new brand of PC / Notebook, do you know three months later, there will be a new brand technology upgrade for that PC / Notebook?

We are human beings with satisfaction and perfection who are more flexible. As changes take place we need to follow it. There is no situation whereby no changes occur. It always happens so suddenly that we might not feel it at all. Likerepparttar 101258 earth, it is always rotating at a slow speed and we can never feel that movement.

As a quote says: ‘Save forrepparttar 101259 rainy days’, we don’t know when changes will occur but we can prepare ourselves for it. For anything that we do, we must prepare ourselves forrepparttar 101260 changes. For example, we have to keep adequate food when there’s a war and keep savings if there’s a financial problem.

Just like peoples said “Saverepparttar 101261 best forrepparttar 101262 last”. Why do we need to saverepparttar 101263 best forrepparttar 101264 last? For some other peoples said “Play save isrepparttar 101265 best!”

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.

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