Posts Tagged ‘High’

The Complete Guide to Investing in Real Estate Tax Liens & Deeds: How to Earn High Rates of Return - Safely

September 9th, 2010 by admin | 25 Comments | Filed in life logistics

The Complete Guide to Investing in Real Estate Tax Liens & Deeds: How to Earn High Rates of Return - Safely

Review

USA Best Books Awards 2007 Business –Book Award

Purchasing tax lien instruments from city, county, and municipal governments can provide you with very high and secure rates of return, in some cases as high as 12%, 18%, 24%, or even 1,000% or more per year. If performed correctly, investments in tax lien instruments will far outpace stock market performance, even traditional real estate investments. The key is to know how to perform this process correctly. Tax lien certificates and deeds are not purchased through a broker; you purchase these property tax liens directly from the state or county government (depending on the state). This type of investment was created by state law, and state law pr [Read More...]

Buy The Complete Guide to Investing in Real Estate Tax Liens & Deeds: How to Earn High Rates of Return - Safely at Amazon

Wii is the best game platform. Check out the Top Wii Games to see what you’re missin’!

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The 16% Solution: How to Get High Interest Rates in a Low-Interest World with Tax Lien Certificates, Revised Edition

June 26th, 2010 by admin | 3 Comments | Filed in life logistics

The 16% Solution: How to Get High Interest Rates in a Low-Interest World with Tax Lien Certificates, Revised Edition

This revised edition is arriving just in time to inform investors how to take advantage of today’s slumping U.S. economy. With home foreclosures at an all-time high and the erratic stock market damaging 401(k) accounts, people are looking for innovative ways to invest their money.Moskowitz explains what tax lien certificates are (liens against property for unpaid taxes), why they are safe (certain states insure them), and how they fit into an overall financial plan. This new edition includes updates to the laws and procedures of states and counties that offer tax lien certificates.* The 16% Solution has been updated to reflect current legal requirements and information.* Seen as a great investment solution: “If you become [Read More...]

Buy The 16% Solution: How to Get High Interest Rates in a Low-Interest World with Tax Lien Certificates, Revised Edition at Amazon

For people who love to cook, check out this great Kitchen Christmas Gift for the holidays this year!

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Sales and Use Tax Consulting Firm Delivers High Quality Exemption and Refund Service!

December 19th, 2009 by admin | No Comments | Filed in life logistics

Sacramento, CA - Aero-tax Compliance Experts, LLC (ACE) is California’s newest connection for anyone seeking professional and expert management for their aircraft, vessel and vehicle sales and use tax issues, including legal tax exemptions, refunds, appeals conferences and hearings.  ACE’s expert staff has over 24 years of combined experience and has been responsible for aiding over a thousand taxpayers, ranging from individuals to multi-national corporations, with legally avoiding sales and use taxes on purchases of aircraft, vessels and vehicles. 

ACE will utilize their experience and many exclusive resources to help you overcome the civil burdens of proof and presumptions prescribed by law.  They will carefully review your transaction details and/or records which will help them to develop a legal and defensible strategy to accomplish the goal…your exemption or refund!  In most instances, ACE will provide a customized, detailed, written exemption outline and exhibits that will be designed to guide you through the perplexing obstacles of California’s sales and use tax laws and regulations, policies, practices and procedures.  If ACE is hired prior to your purchase, they can guarantee success! 

ACE’s tax experts have helped thousands of clients, many of which have returned to them for additional benefit from this specialized and highly effective exemption service.  Though their services vary, their integrity, passion and determination remains the same.  Don’t wait until it’s too late, let the professional staff at Aero-tax Compliance Experts, LLC show you how to ACE Your Exemption!  For more information on ACE’s services or for your free consultation, call (916) 647-6407 or you may visit us at www.aero-tax.com.

I love to dance and listen to music. Everyday I take a break and check out the top dance songs. And, if no one is looking, I do my secret dance. Dance just makes me happy!

If you have any questions regarding sales and use tax issues, or want to know if you qualify for an exemption or refund contact our tax experts at (916) 647-6407 or visit us on the web at www.AERO-TAX.com.

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The Myth Of The High Rate Of Divorce

November 4th, 2009 by admin | No Comments | Filed in divorce

This past year my wife and I celebrated our 25th anniversary. It is the second marriage for both of us and the relationship has only grown stronger over the years, teaching me more about love and trust and dependence then I ever imagined. Reaching this special “silver moment” spurred me to look around and think about the number of friends we have who also have great second marriages and led me to question the alleged statistic that 60+% of second marriages end in divorce. I also thought about how many friends we have who are still in their original marriages and appear to be very happy. Thus, I decided it was time to do some research on divorce rates.

In the process of preparing for this article, I learned what I had long suspected. The commonly quoted numbers are overstated myths, the more accurate numbers reflect complex factors, and that our society really has two very separate divorce rates, a lower rate (by half) for college-educated women who marry after the age of 25 and a much higher rate for poor, primarily minority women who marry before the age of 25 and do not have a college degree (most of the research focused on women; the little I read about men suggested similar outcomes).

The Statistics:

A false conclusion in the 1970s that half of all first marriages ended in divorce was based on the simple but completely wrong analysis of the marriage and divorce rates per 1000 people in the U.S. A similar abuse of statistical analysis led to the conclusion that 60% of all second marriages ended in divorce. These errors have had a profound impact on attitudes about marriage in our society and it is a terrible injustice that there wasn’t more of an effort to get accurate data (essentially only obtainable by following a significant number of couples over time and measure the outcomes) or that newer, more accurate and optimistic data isn’t being heavily reported in the media.

It is now clear that the divorce rate in first marriages probably peaked at about 40% for first marriages around 1980 and has been declining since to about 30% in the early 2000s. This is a dramatic difference. Rather than view marriage as a 50-50 shot in the dark it can be viewed as a having 70% likelihood of succeeding. But even to use that kind of generalization, i.e., one simple statistic for all marriages, grossly distorts what is actually going on.

The key is that the research shows that starting in the 1980s education, specifically a college degree for women, began to create a substantial divergence in marital outcomes, with the divorce rate for college-educated women dropping to about 20%, half the rate for non-college-educated women. Even this is more complex, since the non-college educated women marry younger and are poorer than their college grad peers. These two factors, age at marriage and income level, have strong relationships to divorce rates; the older the partners and the higher the income, the more likely the couple stays married. Obviously, getting a college degree is reflected in both these factors.

Thus, we reach an even more dramatic conclusion: That for college educated women who marry after the age of 25 and have established an independent source of income, the divorce rate is only 20%!

Of course, this has its flip side, that the women who marry younger and divorce more frequently are predominately Black and Hispanic women from poorer environments. The highest divorce rate, exceeding 50%, is for Black women in high poverty areas. These women clearly face extraordinary challenges and society would do well to find ways to reduce not just teen pregnancies but early marriages among the poor and develop programs that train and educate the poor, which will not only delay marriage but provide the educational and financial foundation that is required to increase the probability of a marriage being successful. Early marriage, early pregnancy, early divorce is a cycle of broken families that contributes significantly to maintaining poverty. The cost to our society is enormous.

Here is some additional data about divorce in first marriages before moving on to the limited data available about second marriages. Divorce rates are cumulative statistics, i.e., they don’t occur at a single moment in time but add up over the years of marriage and do so at different rates. After reviewing numerous sources, it appears that about 10% of all marriages end in divorce during the first five years and another 10% by the tenth year. Thus, half of all divorces are within the first ten years. (Keep in mind this is mixing the disparate college-non-college group rates.) The 30% divorce rate is not reached until the 18th year of marriage and the 40% rate is not reached until the 50th year of marriage! Thus, not only is the rate of divorce much lower than previously thought but at least half of all divorces occur within the first ten years and then the rate of divorce slows dramatically. Since the divorce rate for women married by 18 is 48% in the first ten years and that group, once again, is primarily poor, minority women, the rate for educated couples is much less during those first ten years.

No wonder the divorce rate in Massachusetts is the lowest in the country. We have the highest percentage of college graduates. That explains why I have so many first marriage friends!

Finding meaningful data about the divorce rates for second marriages was difficult. But knowing that the rate for first marriages has been grossly overstated and poorly understood for decades suggested a likely similar outcome for the data on second marriages. One report indicated that the divorce rate for remarried, white women is 15% after three years and 25% after five years. This ongoing study indicated a definite slowing of the rate over time but did not have enough years measured to draw more long-term conclusions. However, it did indicate that the same factors with first divorces were at play here. Age, education, and income levels were also highly correlated with the outcomes of second marriages. For example, women who remarried before the age of 25 had a very high divorce rate of 47%, while women who remarried over the age of 25 only had a divorce rate of 34%. The latter is actually about the same for first marriages and likely also would prove to be an average of different rates based socioeconomic factors. Thus, my take on this limited amount of data is that divorce rates for second marriages may not be very different than those for first marriages. So my small sample of friends, who remarried older, had college degrees, and joint incomes, is probably not a distorted view of the success rate of second marriages.

Cohabitation:

In the course of gathering information about divorce rates, I came across a few articles describing the growing frequency of couples choosing cohabitation over marriage. I don’t have any figures that I consider accurate enough to report on the percentage of cohabitating couples but a July 24, 2007 Boston Globe article on cohabitating parents sheds some light and raises some serious concerns about this trend.

I must admit a bias here. From my professional experience, I believe cohabitating couples are afraid of the commitment that marriage requires. Certainly a piece of this is what I stated at the beginning of this article, that the myth of the divorce rate has placed a dark cloud over the institution of marriage. The reason for my concern is the following data reported in the Globe article. There is a marked increase in births to cohabitating couples, up from 29% in the early 1980s to 53% in the late 1990s. When you compare what has happened to those relationships when the child is two years old, 30% of the cohabitating couples are no longer together while only 6% of the married couples are divorced. This is another serious societal problem as it contributes to the U.S. having the lowest rate of all Western countries, 63%, of children being raised by both biological parents.

In addition, the general data suggests that cohabitating couples break up at twice the rate of married couples. Of course, this kind of simple statistic hides many complex factors with regard to who actually constitutes the population of cohabitating couples and the likelihood that many choose to live together with no real intention of permanence. However, my main point here is the concern that many couples may be choosing cohabitation over marriage because they actually believe that the institution of marriage is unhealthy and too risky, a conclusion that my review of divorce rates strongly disputes.

Conclusion:

The historical belief that 50% of all marriages end in divorce and that over 60% of all second marriages end in divorce appears to be grossly overstated myths. Not only is the general divorce rate most likely to have never exceeded 40% but the current rate is probably closer to 30%. A closer look at even these lower rates indicate that there are really two separate groups with very different rates: a woman who is over 25, has a college degree, and an independent income have only a 20% probability of her marriage ending in divorce; a woman who marries younger than 25, without a college degree and lacking an independent income has a 40% probability of her marriage ending in divorce.

Thus, factors of age, education, and income appear to play a significant role in influencing the outcome of marriages and that for the older, more educated woman, getting married is not a crap shoot but, in fact, it is highly likely to produce a stable, lifelong relationship.

Make it a Wii Christmas this year with the Top Wii Games. Get Mario Kart for Christmas because it should be in everyone’s Wii game list.

Dr. Heller is a clinical psychologist, now retired, who specialized in providing services to children, families, and couples since 1968. He has written over 150 columns about parenting and marriage which are available on his website, http://www.drheller.com.

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What Can You Do When You Play Trumpet To Play High Notes Effectively?

September 24th, 2009 by admin | 4 Comments | Filed in sports

What can you do when you play trumpet to play high notes effectively? I’m a freshman in high school, and the highest I can play is a C up three octaves. But usually I can barely squeak out an A. What can I do when I play so that I can squeeze out those high notes?

When the time rolls near, you might need to buy Last Minute Valentine Gifts to make her happy!

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