Millionaire Secrets

2010年12月29日星期三

Easy Guides on How To Make A Fortune In Real Estate! + Plus Bonus

HOW IT STARTED

Let's get one thing straight. This book is 100% fact. There are no suppositions or

"possibles" in it. It was written for a single purpose, and addressed to a certain

individual. The fact that you bought the book makes you that individual. However, if you

are timid, or negative, this book will not help you in the least.

It's all right for you to be lazy-my kind of lazy- which was the laziness of a man who

was willing to work at a thing dedicatedly so that he could enjoy laziness later and

longer and in delicious, sweet idleness. But if you are too lazy to work at making your

million, read no further. Go back and enjoy your laziness. I have no quarrel with it.

This just isn't your cup of tea.

Necessarily this book will seem autobiographical. In a sense it is. That means it has got

to be about me, and I hope you'll bear with that. I won't inflict any more of my personal

history upon you than is necessary to give you a full background for the better

understanding of my successes and failures-so that you will be able to spot the

temptations that led me to some whopping mistakes-and so that you will learn the signals

that say "This Way Up" to guide you to your million.

Perhaps the personal history will help you in another important phase of our

undertaking-showing you how to make your million. If you see how poor I was, how little I

had by special training, education, experience, or even advice, and above all, how little

money I had to start with, you will be more likely to feel, "Heck! if Bob could do it

with what he had, so can II" If we accomplish that, we've come a long way toward success.

When you believe you can do it, you have a big advantage. If you don't quite believe it,

you must at least keep an open mind, and be willing to be convinced by your own

experience. Ill do the rest, using your hands, mind and heart.

TABLE OF CONTENTS
1 How IT STARTED
2 FIRST BUYS
3 FIRST BONERS
4 LEARNING THE FACTS OF LIFE
5 DUMPING THE DEADWOOD
6 WHAT Is THE BEST BUY IN REAL ESTATE AND WHY
7 WHAT TO CHECK FIRST
8 WHAT TO CHECK SECOND
9 WHY WE PREFER UNHEATED PROPERTIES
1 0THE TIME IS NOW
11 ARE THERE STILL GOOD BUYS?
12 How TO FIND THE GOOD BUYS
13 THE IMPORTANCE AND USES OF THE VALUE FORMULA
14 TYPES TO WHICH THE VALUE FORMULA CAN BE APPLIED
15 FIGURING THE NET
16 BEFORE THE OFFER
17 FRAMING THE OFFER
18 THE OFFER
19 AFTER ACCEPTANCE
20 AFTER TAKING TITLE
21 STRAIGHTENING OUT TENANCIES
22 NEW TENANTS
23 How TO HOLD THE PROPERTY
24 TAX BENEFITS WHILE HOLDING
25 How TO SELL THEM
26 TAX ANGLES IN SELLING

Price: $4.95

Best Guide for Make A Fortune In Real Estate! + Plus Bonus

HOW IT STARTED

Let's get one thing straight. This book is 100% fact. There are no suppositions or

"possibles" in it. It was written for a single purpose, and addressed to a certain

individual. The fact that you bought the book makes you that individual. However, if you

are timid, or negative, this book will not help you in the least.

It's all right for you to be lazy-my kind of lazy- which was the laziness of a man who

was willing to work at a thing dedicatedly so that he could enjoy laziness later and

longer and in delicious, sweet idleness. But if you are too lazy to work at making your

million, read no further. Go back and enjoy your laziness. I have no quarrel with it.

This just isn't your cup of tea.

Necessarily this book will seem autobiographical. In a sense it is. That means it has got

to be about me, and I hope you'll bear with that. I won't inflict any more of my personal

history upon you than is necessary to give you a full background for the better

understanding of my successes and failures-so that you will be able to spot the

temptations that led me to some whopping mistakes-and so that you will learn the signals

that say "This Way Up" to guide you to your million.

Perhaps the personal history will help you in another important phase of our

undertaking-showing you how to make your million. If you see how poor I was, how little I

had by special training, education, experience, or even advice, and above all, how little

money I had to start with, you will be more likely to feel, "Heck! if Bob could do it

with what he had, so can II" If we accomplish that, we've come a long way toward success.

When you believe you can do it, you have a big advantage. If you don't quite believe it,

you must at least keep an open mind, and be willing to be convinced by your own

experience. Ill do the rest, using your hands, mind and heart.

TABLE OF CONTENTS
1 How IT STARTED
2 FIRST BUYS
3 FIRST BONERS
4 LEARNING THE FACTS OF LIFE
5 DUMPING THE DEADWOOD
6 WHAT Is THE BEST BUY IN REAL ESTATE AND WHY
7 WHAT TO CHECK FIRST
8 WHAT TO CHECK SECOND
9 WHY WE PREFER UNHEATED PROPERTIES
1 0THE TIME IS NOW
11 ARE THERE STILL GOOD BUYS?
12 How TO FIND THE GOOD BUYS
13 THE IMPORTANCE AND USES OF THE VALUE FORMULA
14 TYPES TO WHICH THE VALUE FORMULA CAN BE APPLIED
15 FIGURING THE NET
16 BEFORE THE OFFER
17 FRAMING THE OFFER
18 THE OFFER
19 AFTER ACCEPTANCE
20 AFTER TAKING TITLE
21 STRAIGHTENING OUT TENANCIES
22 NEW TENANTS
23 How TO HOLD THE PROPERTY
24 TAX BENEFITS WHILE HOLDING
25 How TO SELL THEM
26 TAX ANGLES IN SELLING

Price: $4.95

2010年12月28日星期二

Make a Biiig Fortune By Top Real Estate Secrets! + Plus Bonus

How To Make A Fortune In Real Estate

HOW IT STARTED

Let's get one thing straight. This book is 100% fact. There are no suppositions or

"possibles" in it. It was written for a single purpose, and addressed to a certain

individual. The fact that you bought the book makes you that individual. However, if you

are timid, or negative, this book will not help you in the least.

It's all right for you to be lazy-my kind of lazy- which was the laziness of a man who

was willing to work at a thing dedicatedly so that he could enjoy laziness later and

longer and in delicious, sweet idleness. But if you are too lazy to work at making your

million, read no further. Go back and enjoy your laziness. I have no quarrel with it.

This just isn't your cup of tea.

Necessarily this book will seem autobiographical. In a sense it is. That means it has got

to be about me, and I hope you'll bear with that. I won't inflict any more of my personal

history upon you than is necessary to give you a full background for the better

understanding of my successes and failures-so that you will be able to spot the

temptations that led me to some whopping mistakes-and so that you will learn the signals

that say "This Way Up" to guide you to your million.

Perhaps the personal history will help you in another important phase of our

undertaking-showing you how to make your million. If you see how poor I was, how little I

had by special training, education, experience, or even advice, and above all, how little

money I had to start with, you will be more likely to feel, "Heck! if Bob could do it

with what he had, so can II" If we accomplish that, we've come a long way toward success.

When you believe you can do it, you have a big advantage. If you don't quite believe it,

you must at least keep an open mind, and be willing to be convinced by your own

experience. Ill do the rest, using your hands, mind and heart.

TABLE OF CONTENTS
1 How IT STARTED
2 FIRST BUYS
3 FIRST BONERS
4 LEARNING THE FACTS OF LIFE
5 DUMPING THE DEADWOOD
6 WHAT Is THE BEST BUY IN REAL ESTATE AND WHY
7 WHAT TO CHECK FIRST
8 WHAT TO CHECK SECOND
9 WHY WE PREFER UNHEATED PROPERTIES
1 0THE TIME IS NOW
11 ARE THERE STILL GOOD BUYS?
12 How TO FIND THE GOOD BUYS
13 THE IMPORTANCE AND USES OF THE VALUE FORMULA
14 TYPES TO WHICH THE VALUE FORMULA CAN BE APPLIED
15 FIGURING THE NET
16 BEFORE THE OFFER
17 FRAMING THE OFFER
18 THE OFFER
19 AFTER ACCEPTANCE
20 AFTER TAKING TITLE
21 STRAIGHTENING OUT TENANCIES
22 NEW TENANTS
23 How TO HOLD THE PROPERTY
24 TAX BENEFITS WHILE HOLDING
25 How TO SELL THEM
26 TAX ANGLES IN SELLING

Price: $2.99

2010年12月24日星期五

Why Elizabeth Warren will benefit of Wall Street.

Global banking Regulators, recently decided to tighten the rules on banks by requiring them to hold more capital against their assets to another financial panic like what has mushroomed in 2008. New demands will be cut into profits, because banks will have less money to make and less freedom to play. Yet instead of falling prices, financial stocks have risen since the announcement. The new rules, it turned out that made investors feel more comfortable about the banks, not less.

[See 11 ways planning to double dip recession.]

It is still perceived threat to the financial industry: Elizabeth Warren, user-friendly firebrand President Obama used to the new Bureau of financial protection for consumers. Professor at Harvard University has been a long time a critic of the Wall Street alert about sky-high rates credit cards hidden fees and other illegal lending practices.Some of their suggestions were included in the recent banking reforms. as Chair of Congressional oversight, monitoring economic assistance to the Obama administration it also castigated processing public relief homeowner, TARP bailouts, rescue AIG, crediting of small business and other federal programs. Critics label her liberal Crusader, even though she made enemies among Republicans and Democrats alike.

In her new job Warren will manage credit cards, mortgages, banking services and a wide range of financial products that consumers use every day. On Wall Street have fear and Loathing on still excessively Reformer, deleted the banks. But it's far more likely that the strict banking critic as Warren can help to restore confidence and to enhance their business — what they obviously cannot do for themselves.

Wall Street executives tend to view the financial reforms as unduly interfering with extraneous savvy who don't understand finance. If the system is broken, financial managers would be that there is no use, fixing it. But the system is so flawed, Wall Street, as we know it would fail if the Feds not rushed to the rescue in 2008.

[See how do I know when the recession is really more.]

Thanks to the generosity of the banks back on their feet. But taxpayers who bailed out the banks have never been more devious, once considered a foundation community. In polls, Gallup only 23 percent of Americans express confidence in banks.Just before the recession was 41%.More recently, in 2005, he was above 50%, it's hard to think of any other industry, which the public esteem so declined sharply.

It may seem like American consumers captive for banks, so it doesn't matter whether we despise them or not. But, looking like a flawed assumption. Credit, a great source of revenue for banks, credit cards are much more consumers down using a debit card, or simply rely on cash. One factor in the new "strategic defaults — people stop their mortgage payments, even if they can afford to keep them is hostility to lenders, got a taxpayer bailouts, but they mercilessly inflexible towards their own customers.

[See 4 characters is finally improving labour market]

Banks generally have a bad reputation, "said Duke University Professor Dan Ariely's Predictably irrational and bestselling author of irrationality."But none of them are taking steps to boost our confidence if some of them will make a move and give us more reasons to trust them, we, as consumers will flock to these banks ' Plus banking reform could never have if not for the wave of public outrage, exceeded one of the most powerful lobbies in Washington.

Flustered bankers currently browsing Elizabeth Warren is another Sheriff, riding into town with her six-shooter.But as with other reforms, fears are almost certainly exaggerated.Even if Warren going after banks with vigor vigilante, it cannot work alone.A new Office, it will work to communicate new creation, called on the Council to oversee the financial stability, which could curb Warren if she strays too far from the core rules.As Warren split picture you have courted the enemies and made its views known through the media, it will sometimes show a little respect for the Congress for new staff. "This political pressure could interfere with her work, especially if the Republicans win the House or Senate this fall, "says analysts Jaret Seiberg Washington Research Group, political consultants.

[See 5 economic flubs, that will cost the Democrats the.]

When Warren, it'll have much more confidence than someone finds a friend of the banking industry is designed to help you create a greater confidence in the system over time. financial industry went through a similar trial, when THE FED announced its plan to hold a "stress tests" of the largest banks in the first half of 2009. scepticism and unease, pervasive kvetching about Government overreach the first reaction of Wall Street, but stress tests proved a turning point in the whole of the financial crisis. Analytics credited THE FED for tests that seem to be quite tough but not overbearing. most banks over, and those that are not capital quickly met the objectives set out in THE FED'S implementation helps you easily fears of insolvent banks and probably not by chance that once FED went public with the test results in huge stocks went 13-month rally.

[Find out if you are a "consumer zombie".]

CFPB are almost power fed and Warren, itself will probably be surprised if she ever did everything that was in bank stocks rally, but Wall Street could do worse than a new regulator, determined to keep them honest. they've proved that.

Where can I buy a House for less than $ 800 per month

While the nation's real estate disaster was a nightmare for homeowners, he created some remarkable opportunities for potential buyers. Home prices in 20 major cities during the summer of 2006 fell 33% until spring 2009, and in some markets dive was steeper. At the same time, the Federal Government's efforts to revive housing market helped drive the costs of the record. Thirty-year fixed mortgage rates fell by an average 4.32% for the week ending 2 September. This is the lowest level in almost 40 years. Lower property values and cheap mortgage rates together to restore availability for many real estate markets that were once wildly inflated. "Right now about affordable housing, as was the case with at least the 1970s," says Patrick Newport, Economist USA for IHS Global insight.

To see how much your property will stretch dollar at different locations across the country, u.s. News examine housing costs based on monthly payments. We started with data median House prices Association of Realtors for individual metropolitan statistical areas, 159 in the second quarter of 2010. 20% down payment, after deduction of the average price, we connected picture in mortgage calculator by 4.32% interest rate on a 30-year fixed loans. The picture for a monthly payment of the mortgage principal and interest that represents major most owners monthly housing costs.(Note that this figure does not include monthly cost of utilities, insurance and taxes, which may vary very much from one place to another and does not reflect the non-recurring costs associated with home ownership, such as price) Using this calculation, here's a look at 10 sites where you can buy a House for less than $ 800 per month.

[Photo: 10 great places to buy a House for less than $ 800 per month.]

1. Austin, TX: anyone who has ever visited the lovely Austin knows that it's much more than just the capital of Lone Star.A big barbecue, abundant greenery and world-class music scene have transformed this city 735 000 in one of the favorite destinations of the nation and at home at the University of Texas and the heart of dynamic local economy, Austin offers wonderful quality of life for residents and tourists. Average house prices in the area of Austin was about $ 197 million in the second quarter of 2008, a slight increase from a year earlier. After 20% down payment — from $ deal — monthly payments to the mortgage principal and interest at an average price of homes in Austin to reach $ 782.

2. Sarasota, Fla.: despite the exotic mortgage products and the excitement of investor sent home prices in Sarasota, increasing during the housing boom and subsequent crash hit the market as hard as anywhere else in the State.The average price of homes in the Sarasota fell from $ 311.000 in 2007 to $ 185.000 in the second quarter of this year. But it's a sharp fall in this community, Sun drenched, on the West coast of Florida more attractive for domestic buyers, says Jack McCabe McCabe & consulting research.McCabe said Sarasota smaller provides its residents with more manageable lifestyle — with less traffic, for example — the big cities like Tampa Bay or Orlando.At the same time the area was beautiful promenade and many art museums and theatre productions. anyone considering buying real estate in Sarasota, Florida should be at the top of their list, according to McCabe has a big market, "he says."I really expected over the next 20 years, it will be one of the most desirable markets in Florida for baby boomers retire. ", Average house prices in the Sarasota was $ 185.000 in the second quarter of this year.After the deposit of 20%, or $ 37000 — down, monthly payments on the mortgage principal and interest at the average price of Sarasota area home to reach $ 734.

[Photo: 10 cities for Real Estate steals]

3. Albuquerque, n.m.: vibrant mix of cultures of native American, Hispanic and Anglo makes Albuquerque, one of the most diverse communities nation. residents can explore this unique heritage through expansive menus town museums, art galleries and theatres, an enviable climate. more than 300 days of sunshine a year, provides many opportunities for golf, biking and hiking in winter skiers and snowboarders can hit the nearby Sandia Peak ski area in winter months, the average house price in Albuquerque was $ 178 million in the second quarter of 2008, down about 2% from last year after 20% down payment or $ 35.600 — monthly payments to cover the mortgage principal and interest at an average price of Albuquerque homes accounted for approximately $ 706.

2010年12月23日星期四

Whether you go into your pension pistol?

When it comes to golf with friends, nothing terrible has close to track where you can declare a Mulligan. But when it comes to personal finance, it's completely different games.

The last potential Mulligan is related to taxes and IRA.If your traditional IRA (deferred tax) is converted to IRA Roth (no deferred tax) at the beginning of 2010, you can switch back to the end of the year. reason: because Mart is lower now than it was then, investors who have moved from a traditional IRA, Roth IRA in similar reserves much better can now potentially be taxed on the money, they don't have.

[See u.s. News top 100 mutual funds for the long version.]

Here's a hypothetical example: in early 2010, Susan convert traditional IRA, Roth IRA in equity funds invested in the Fund.At the same time, regular IRA balance was $ 40.000, all this is deductible contributions and their earnings. Susan Roth IRA is now worth only $ 30.000 but based on where it is currently (in an account with a tax bill is coming in 2010), it will still have to pay taxes on $ 40.000 conversion.

Solution?To avoid paying tax on the $ 10.000 market losses, Susan, you can switch the Roth IRA TO switch back to a traditional IRA, using a process called recharacterization.

Here's how it looks: If the stock market at the end of the year is still lower than where it was when it was originally produced as traditional recharacterized Roths can bank at the end of the year when the market is still down.Then, upon receipt of 2011, see markets at the beginning of the year if stocks rebound, convert back into your mouth, you can save a significant amount of income tax.Simply put, will allow taxpayers to make post recharacterizations-year-end tax planning, all or part of their conversion to manage their total tax liability.

Recharacterization is the easiest way To do so, due date (plus extensions) a taxpayer's profit for the year, who suffers from performance at this year's return. Accordingly, the taxpayer, who made the conversion may 2010 to recharacterize return filed on or before 15 April 2011 (he or she has before 15 October 2011, if the automatic extension of six months to file a tax return in 2010).

Make the conversion includes transfer the converted amount (plus or minus losses) from Roth IRA switch back to a traditional IRA through direct transfer (trustee to trustee).

Here's how does the transfer: you should notify the governing your traditional IRA, Roth IRA and a brand new one that you want to convert or un recharacterize. the notification shall contain the following information:

‧ The date of conversion and a tax year to which was made

‧ The type and number of mouth IRA Conversion to be recharacterized

‧ The direction to the trustee in the trustee for the trustee transfer, conversion and any net income provided the trustee's IRA

‧ Any additional information necessary to make the transfer, including the names of Trustees involved

Things to consider before recharacterization:

‧ Recharacterized amount considered it or transferred to a second IRA in the same day and in the same year, the tax is actually the first IRA.

‧ Transferred earnings are treated as if they were earned in the second IRA.

‧ No deduction is allowed outside contributors to first IRA.

‧ Banking, not gagged Recharacterized cannot convert back to a Roth IRA and later:

‧ The beginning of the tax year following the year of the first transformation

‧ 30 days after recharacterization for non-Roth IRA

‧ If you are not satisfied, the amount of taxable income for the year will be calculated using the value from a non-Roth IRA conversion during first.

This is a complicated process so closely with tax consultant and certified financial planner when making this change, we strongly recommend another resource that you might find useful is the IRS pub 590, individual retirement arrangements.

Second chance for personal finances don't come often. is one thing that investors will want to use when the conditions for them.

Doug Lockwood, CFP, is a partner in the harbour – indicators Financial Group, a full service wealth management team dedicated to helping clients build and preserve their wealth over 18 years of age he was recently named one of America's top 100 financial advisors, registered Worldwide magazine (August 2010) Lockwood has registered representative with and securities, LPL. Member FINRA/SIPC.

Where can I buy a House to retire up to $ 600 per month

For Americans who want to buy a retirement property historical estate crash has created all kinds of opportunities. Home prices in 20 major metropolitan areas fell by around 28% of the maximum. At the same time, the Government's efforts to ramp up the demand for housing have significantly reduced the cost of mortgage borrowers. Fixed mortgage rates in thirty years was 4.37% for the week ending 16 September, only slightly above 39-year-old fall reached two weeks ago. Below, together, home prices and cheap mortgage rates have made home buying much easier than a few years ago. And the real estate value of many traditional retirement spots like Florida and Arizona fell even harder than the national average, Americans are willing to stand up for the second half of her life, particularly favourable position. To this end, u.s. News has compiled a list of 10 places where retirement home buyers will be able to acquire the property for less than $ 600 per month.

[Photo: where to buy a retirement home up to $ 600 per month.]

In putting together our list, we've got the average home price data from the National Association of Realtors for metropolitan statistical areas, 159. After deduction of 20% down payment, we connected a picture in the mortgage calculator, 4.37% rate on a 30 year fixed mortgage.We then looked at the desired retirement destinations and whose monthly mortgage payments amounted to less than $ 600. Please note that these monthly payments reflect only the costs of the mortgage principal and interest that will represent the majority of the homeowner's monthly housing costs. However, it does not take into account expenses, taxes, insurance and utilities that may be very different from one place to another.

1. Phoenix: with more than 200 golf courses, many miles of outdoor trails and an array of museums and art galleries, Phoenix area has long been an attractive destination for retirement.Prices of homes in Phoenix in 2006 doubled from 2002 but fell like a deflated 51%, real estate bubble. Nevertheless, bust, helped make the market more accessible to potential retirement home buyers. Average house prices in the Phoenix area was $ 145 million in the second quarter of 2010, up to 11% a year earlier. Customers who put down 20%, or $ 29000 — at an average price of Phoenix homes will have monthly payments of approximately $ 579 for mortgage principal and interest.

2. Las Vegas: several u.s. cities have seen prices swing wildly, as they did in Las Vegas over the past 10 years after nearly doubled from 2002 to 2006, real estate values in Sin City has since fallen to 57%. But a glitzy Casino, abundant Golf and 320 sunny days in the year continues to make life pleasant for pensioners. Average house prices in the Las Vegas area was $ 142 million in the second quarter of 2010, a slight increase from a year earlier. After you make 20% down payment-from $ 28.400, buyers will have a monthly payment of $ 567 at an average price of homes in the Las Vegas area.

3. San Antonio, Texas: this town has 300 sunny days a year, more than 50 golf courses, 21 individual parks and calendar, packed with festivals and events.History buffs can check Alamo, where Mexico and Texan troops put their legendary battles in 1836, while art lovers can visit one of 63 local galleries.The average home price in San Antonio was $ 148.000 in the second quarter of 2010, reduction of approximately 3% from a year earlier.Customers who put down 20%, or $ folding — at an average price of San Antonio homes will have monthly payments of approximately $ 591.

[Photo: 10 great places to buy a House for less than $ 800 per month.]

4. Greenville, s.c.: Greenville tucked into the foothills of South Carolina beautiful Blue Ridge Mountains. 39, minor league baseball Parks and 14-acre Zoo makes this city 62000 attractive to de average house prices in Greenville 7%, to $ 150 million, in the second quarter of 2009, with the same period this year, the 20% down payment is $ 30 000, buyers will have a monthly payment of $ 599 for principal and interest at an average price of homes in Greenville.

When the Welcome to the offer from your current employer meaning

You got a job offer. It pays more than your current job. But for whatever reason, you decide that you want to stay. However, you have decided to use as a bargaining chip. This is a dangerous game, and you should only participate in it if you really can see walk and agree to the new location. Many articles on the Internet to make it sound like accept computers stay with your current employer is the kiss of death--but I'm not sure.

[See 21 secrets to work]

Yes, there was a reason you were looking to start with (if you've been headhunted) and Yes, once you have shown that even before leaving your job status "command". Truth be told, every thought, leaving their employer at any time, and sometimes even offer of work is the ultimate bargaining chip.

Wake-up call. Your experience is what gets you the job, but the next day after the launch, the focus shifts to what are you going to do for your organization today.This means that your previous achievements of forgotten--and this is something that helps employers to formulate your values.Get another job proposal might resemble The what you deserve. It also shows that you would like, and for those who have never been in a relationship, which are usually not bad may be more subtle ways to remind employers that you are worth more than what you get paid, but the other work is usually the fastest and most direct.Here are some reasons why reception counter offer stay with your current employer might make sense.

[See 7 ways to reduce stress job interview]

1. it's all about money?These sites HotMonsterBuilder always tell us by selecting a job for money is a recipe for trouble. I'm not sure disagreeing but you one, pay bills, so only you can really answer the question. Depending on where you are in life sometimes work is all about money. If so, it never hurts to play ball on both sides in order to increase your salary. And if that's the only reason you are looking for a new job, counteroffer can be good reasons for staying.

2. Loyalty dead nor. those who think differently, in denial. The days of setting the "Paste", where you are staying for a few years older. Employees know that they can and will be removed without notice at any time by the employer, therefore, cannot be true. As an employee, you have to stay true to the company (to represent the brand well, etc.), but loyalty as we're in it together no matter what, "dead--if it ever existed to begin with. Don't feel guilty that you got another job offers. Be loyal to yourself and try to create a better off, even if it means that your current employer asking for more money or promotion.

3. they will most likely not squeeze you away. Tell your employer that you got another job is never easy. This is nerve-wracking because your boss is unpredictable reactions. But if you work in a one-man shop or emotionally charged boss, very few organizations will go out of their way to squeeze you crease, just because you've still got a proposal.Anything is possible and it is up to you to read the situation and determine if it is worth the risk.In my experience, someone getting fired or shafted to get another job offer is the exception rather than the rule.

[See how to Ace an interview, phone]

4. your eyes opened.Sometimes it's smart to take your current employer a counter proposal.For example, you may recover the job offer you spend time reflecting on your current situation: maybe it's not as bad as it seems.Consider the advantages and disadvantages of both positions, and you may be wondering which way do you lean. we often don't know what we have, until it's gone, so close your eyes and pretend that the current job went as feel? If you decide to take a counteroffer and stay, you should be ready for promotion.

Many articles of the counter, written by staffing and hiring pros, simply put, are more concerned about the well-being of the company than your happiness is what they are doing! if you have a job hunting because hate your boss, or find work unsatisfying, counteroffer. However, since there are so many factors that go into the happiness, the decision to accept the offer of the counter is a personal matter--one that sometimes makes a lot of sense.

Andrew Rosen,is the founder and editor of jobacle.com, blog tips, career he is also the author of how to shut down.

2010年12月22日星期三

Five reasons to sell your House yourself

Three times per week, personal finance, renowned author Jennifer Openshaw talks about how to create wealth-and a whole series of great ways to use it.

2010年12月6日星期一

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2010年12月5日星期日

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2010年11月19日星期五

Real Estate Bible! Be a Millionaire Starting Today! + Plus Bonus

Price: $8.95

Practical Guides for Make A Fortune In Real Estate! + Plus Bonus

HOW IT STARTED

Let's get one thing straight. This book is 100% fact. There are no suppositions or

"possibles" in it. It was written for a single purpose, and addressed to a certain

individual. The fact that you bought the book makes you that individual. However, if you

are timid, or negative, this book will not help you in the least.

It's all right for you to be lazy-my kind of lazy- which was the laziness of a man who was

willing to work at a thing dedicatedly so that he could enjoy laziness later and longer

and in delicious, sweet idleness. But if you are too lazy to work at making your million,

read no further. Go back and enjoy your laziness. I have no quarrel with it. This just

isn't your cup of tea.

Necessarily this book will seem autobiographical. In a sense it is. That means it has got

to be about me, and I hope you'll bear with that. I won't inflict any more of my personal

history upon you than is necessary to give you a full background for the better

understanding of my successes and failures-so that you will be able to spot the

temptations that led me to some whopping mistakes-and so that you will learn the signals

that say "This Way Up" to guide you to your million.

Perhaps the personal history will help you in another important phase of our undertaking-

showing you how to make your million. If you see how poor I was, how little I had by

special training, education, experience, or even advice, and above all, how little money I

had to start with, you will be more likely to feel, "Heck! if Bob could do it with what he

had, so can II" If we accomplish that, we've come a long way toward success. When you

believe you can do it, you have a big advantage. If you don't quite believe it, you must

at least keep an open mind, and be willing to be convinced by your own experience. Ill do

the rest, using your hands, mind and heart.

TABLE OF CONTENTS
1 How IT STARTED
2 FIRST BUYS
3 FIRST BONERS
4 LEARNING THE FACTS OF LIFE
5 DUMPING THE DEADWOOD
6 WHAT Is THE BEST BUY IN REAL ESTATE AND WHY
7 WHAT TO CHECK FIRST
8 WHAT TO CHECK SECOND
9 WHY WE PREFER UNHEATED PROPERTIES
1 0THE TIME IS NOW
11 ARE THERE STILL GOOD BUYS?
12 How TO FIND THE GOOD BUYS
13 THE IMPORTANCE AND USES OF THE VALUE FORMULA
14 TYPES TO WHICH THE VALUE FORMULA CAN BE APPLIED
15 FIGURING THE NET
16 BEFORE THE OFFER
17 FRAMING THE OFFER
18 THE OFFER
19 AFTER ACCEPTANCE
20 AFTER TAKING TITLE
21 STRAIGHTENING OUT TENANCIES
22 NEW TENANTS
23 How TO HOLD THE PROPERTY
24 TAX BENEFITS WHILE HOLDING
25 How TO SELL THEM
26 TAX ANGLES IN SELLING

Price: $4.95

Real Estate Less Known Secrets, Finally Revealed! + Plus Bonus

HOW IT STARTED

Let's get one thing straight. This book is 100% fact. There are no suppositions or

"possibles" in it. It was written for a single purpose, and addressed to a certain

individual. The fact that you bought the book makes you that individual. However, if you

are timid, or negative, this book will not help you in the least.

It's all right for you to be lazy-my kind of lazy- which was the laziness of a man who was

willing to work at a thing dedicatedly so that he could enjoy laziness later and longer

and in delicious, sweet idleness. But if you are too lazy to work at making your million,

read no further. Go back and enjoy your laziness. I have no quarrel with it. This just

isn't your cup of tea.

Necessarily this book will seem autobiographical. In a sense it is. That means it has got

to be about me, and I hope you'll bear with that. I won't inflict any more of my personal

history upon you than is necessary to give you a full background for the better

understanding of my successes and failures-so that you will be able to spot the

temptations that led me to some whopping mistakes-and so that you will learn the signals

that say "This Way Up" to guide you to your million.

Perhaps the personal history will help you in another important phase of our undertaking-

showing you how to make your million. If you see how poor I was, how little I had by

special training, education, experience, or even advice, and above all, how little money I

had to start with, you will be more likely to feel, "Heck! if Bob could do it with what he

had, so can II" If we accomplish that, we've come a long way toward success. When you

believe you can do it, you have a big advantage. If you don't quite believe it, you must

at least keep an open mind, and be willing to be convinced by your own experience. Ill do

the rest, using your hands, mind and heart.

TABLE OF CONTENTS
1 How IT STARTED
2 FIRST BUYS
3 FIRST BONERS
4 LEARNING THE FACTS OF LIFE
5 DUMPING THE DEADWOOD
6 WHAT Is THE BEST BUY IN REAL ESTATE AND WHY
7 WHAT TO CHECK FIRST
8 WHAT TO CHECK SECOND
9 WHY WE PREFER UNHEATED PROPERTIES
1 0THE TIME IS NOW
11 ARE THERE STILL GOOD BUYS?
12 How TO FIND THE GOOD BUYS
13 THE IMPORTANCE AND USES OF THE VALUE FORMULA
14 TYPES TO WHICH THE VALUE FORMULA CAN BE APPLIED
15 FIGURING THE NET
16 BEFORE THE OFFER
17 FRAMING THE OFFER
18 THE OFFER
19 AFTER ACCEPTANCE
20 AFTER TAKING TITLE
21 STRAIGHTENING OUT TENANCIES
22 NEW TENANTS
23 How TO HOLD THE PROPERTY
24 TAX BENEFITS WHILE HOLDING
25 How TO SELL THEM
26 TAX ANGLES IN SELLING

Price: $6.95

2010年11月18日星期四

Real & Practical Guide on Real Estate Huge Money! + Plus Bonus

HOW IT STARTED

Let's get one thing straight. This book is 100% fact. There are no suppositions or

"possibles" in it. It was written for a single purpose, and addressed to a certain

individual. The fact that you bought the book makes you that individual. However, if you

are timid, or negative, this book will not help you in the least.

It's all right for you to be lazy-my kind of lazy- which was the laziness of a man who

was willing to work at a thing dedicatedly so that he could enjoy laziness later and

longer and in delicious, sweet idleness. But if you are too lazy to work at making your

million, read no further. Go back and enjoy your laziness. I have no quarrel with it.

This just isn't your cup of tea.

Necessarily this book will seem autobiographical. In a sense it is. That means it has got

to be about me, and I hope you'll bear with that. I won't inflict any more of my personal

history upon you than is necessary to give you a full background for the better

understanding of my successes and failures-so that you will be able to spot the

temptations that led me to some whopping mistakes-and so that you will learn the signals

that say "This Way Up" to guide you to your million.

Perhaps the personal history will help you in another important phase of our

undertaking-showing you how to make your million. If you see how poor I was, how little I

had by special training, education, experience, or even advice, and above all, how little

money I had to start with, you will be more likely to feel, "Heck! if Bob could do it

with what he had, so can II" If we accomplish that, we've come a long way toward success.

When you believe you can do it, you have a big advantage. If you don't quite believe it,

you must at least keep an open mind, and be willing to be convinced by your own

experience. Ill do the rest, using your hands, mind and heart.

TABLE OF CONTENTS
1 How IT STARTED
2 FIRST BUYS
3 FIRST BONERS
4 LEARNING THE FACTS OF LIFE
5 DUMPING THE DEADWOOD
6 WHAT Is THE BEST BUY IN REAL ESTATE AND WHY
7 WHAT TO CHECK FIRST
8 WHAT TO CHECK SECOND
9 WHY WE PREFER UNHEATED PROPERTIES
1 0THE TIME IS NOW
11 ARE THERE STILL GOOD BUYS?
12 How TO FIND THE GOOD BUYS
13 THE IMPORTANCE AND USES OF THE VALUE FORMULA
14 TYPES TO WHICH THE VALUE FORMULA CAN BE APPLIED
15 FIGURING THE NET
16 BEFORE THE OFFER
17 FRAMING THE OFFER
18 THE OFFER
19 AFTER ACCEPTANCE
20 AFTER TAKING TITLE
21 STRAIGHTENING OUT TENANCIES
22 NEW TENANTS
23 How TO HOLD THE PROPERTY
24 TAX BENEFITS WHILE HOLDING
25 How TO SELL THEM
26 TAX ANGLES IN SELLING

Price: $4.95

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A powerful support system during difficult times, and a source of joy through the good, this audiobook includes profound stories of triumph over calamity from Dore's own life that are shared with uplifting insight and humor. With boundless encouragement and enlightened guidance, Dore offers realistic solutions for turning financial tragedy into financial success, and misfortune and anxiety into a life filled with purpose, confidence, joy, and true enrichment.

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2010年11月17日星期三

Making $5000 More Money Every Month By Top Real Estate Secrets! + Plus Bonus

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Practical Guides for Make Month $5000 In Real Estate! + Plus Bonus

HOW IT STARTED

Let's get one thing straight. This book is 100% fact. There are no suppositions or

"possibles" in it. It was written for a single purpose, and addressed to a certain

individual. The fact that you bought the book makes you that individual. However, if you

are timid, or negative, this book will not help you in the least.

It's all right for you to be lazy-my kind of lazy- which was the laziness of a man who

was willing to work at a thing dedicatedly so that he could enjoy laziness later and

longer and in delicious, sweet idleness. But if you are too lazy to work at making your

million, read no further. Go back and enjoy your laziness. I have no quarrel with it.

This just isn't your cup of tea.

Necessarily this book will seem autobiographical. In a sense it is. That means it has got

to be about me, and I hope you'll bear with that. I won't inflict any more of my personal

history upon you than is necessary to give you a full background for the better

understanding of my successes and failures-so that you will be able to spot the

temptations that led me to some whopping mistakes-and so that you will learn the signals

that say "This Way Up" to guide you to your million.

Perhaps the personal history will help you in another important phase of our

undertaking-showing you how to make your million. If you see how poor I was, how little I

had by special training, education, experience, or even advice, and above all, how little

money I had to start with, you will be more likely to feel, "Heck! if Bob could do it

with what he had, so can II" If we accomplish that, we've come a long way toward success.

When you believe you can do it, you have a big advantage. If you don't quite believe it,

you must at least keep an open mind, and be willing to be convinced by your own

experience. Ill do the rest, using your hands, mind and heart.

TABLE OF CONTENTS
1 How IT STARTED
2 FIRST BUYS
3 FIRST BONERS
4 LEARNING THE FACTS OF LIFE
5 DUMPING THE DEADWOOD
6 WHAT Is THE BEST BUY IN REAL ESTATE AND WHY
7 WHAT TO CHECK FIRST
8 WHAT TO CHECK SECOND
9 WHY WE PREFER UNHEATED PROPERTIES
1 0THE TIME IS NOW
11 ARE THERE STILL GOOD BUYS?
12 How TO FIND THE GOOD BUYS
13 THE IMPORTANCE AND USES OF THE VALUE FORMULA
14 TYPES TO WHICH THE VALUE FORMULA CAN BE APPLIED
15 FIGURING THE NET
16 BEFORE THE OFFER
17 FRAMING THE OFFER
18 THE OFFER
19 AFTER ACCEPTANCE
20 AFTER TAKING TITLE
21 STRAIGHTENING OUT TENANCIES
22 NEW TENANTS
23 How TO HOLD THE PROPERTY
24 TAX BENEFITS WHILE HOLDING
25 How TO SELL THEM
26 TAX ANGLES IN SELLING

Price: $4.95

Why social security is your best investment

Traditional pension plan frequently advises on your investment market as long as you can. But take a close look at the rules of insurance makes a convincing case that you'd better monetization of 401 (k) s, when it will delay the need to start a social benefit.

[Bookmark site u.s. News retirement planning ideas and tips].

Differently looking at social security has a special meaning in these days.With interest rates close to zero bonds and other so called "safe" investment give very low yields. stock market is not a real successes over the past 10 years. And its volatility makes a risky place to pension funds.

Social security, on the other hand, has very little risk.You can start getting the benefits at age 62. but if you do, you will leave a bunch of money on the table. People nearing retirement age today, taking benefits at age 62 will pay them only 75% as much money as if they wait until they turn 65, which is their legal "full retirement age" in accordance with the rules of insurance.Every year, the benefits are delayed their payments will grow 8%.

Annually increases end if 70. Claiming social security benefits in pays, 132% from its level if people started taking benefits when they turned 66. Moreover, social security has an annual cost of living adjustment (COLA), benefits up to adjustments reflect increases in consumer prices in such a way that ensures annual increase immune to most of the effects of inflation. Rising health care costs so consistently exceeds the overall inflation that some proponents say, Cola need be sweetened.

[See social security Cola does not match inflation.]

In addition, if you take social security benefits at age 62 to 66, no outside the income you earn can reduce your payments for social security.

Durability of course is a wildcard in the decision.One who holds the benefits and then dying at a young age will not come close to the "break even" on social security.And if they cashed in retirement accounts, so they can afford to postpone the adoption of social welfare, their heirs, won't be too happy either.May refer to stocks of pension accounts in your will is not possible to pass on unused. social benefit (although the spouse can take advantage by claiming part of your benefit in the form of survivorship payments).

Increasingly, however, extended service life chances for more, not less.Use the longevity of the social security see for yourself the average man turning 65 will live another 18 years old; the average 65-year-old woman will live another 20 years and they are averages. If you don't have a family history of a health problem or a chronic illness themselves, you'll probably live longer than the average. If you are seriously overweight and getting regular exercise, you will live longer so far.

The ongoing recession, drove a record number of 62 years of age in the last year to claim social security as soon as they could. There is no way to know how many of them have made this decision, while other pension assets, salted away.

But if you come across such a choice, don't ignore call to view social security may be your most valuable resource you want to have a $ 750 per month, or $ 1000 per month for four years (up, adjusted for inflation), or $ 1320 per month when you turn 70?

[See 10 trends longevity.]

2010年11月16日星期二

Why you shouldn't skip Note thank-you interview

Put yourself in this situation: you are invited for an interview. You love, the hiring manager and you are all signs that you're a good candidate for the job and the next steps that must be followed. Go a few weeks and you haven't heard anything. Hiring manager said she wants you to go back and meet the rest of the team. Everything seemed to go so well. What happened?

You forgot to send a note to thank you.You are not alone: Many people never bother to do this, but it's a simple step that could close the deal.

[See 21 secrets to receive job offers right now]

A note to thank you serves several major objectives:

It is a common courtesy. Social media, technology and generational differences have changed the game in full price for a chance to contribute your skills to the company success .it shows genuine interest in the position.The interviewer should never doubt your interest level can bring to a certain point, you are kicking themselves not to interview you have the opportunity to demonstrate your skills.

Well written and personal gratitude to the company know that you are a serious candidate, who carefully monitors and who is excited about the possibilities of a most memorable thank-you notes client was from an interview in an Office and took the client loved Paris as its Office was decorated with the candidate after the interview the candidate bought a card with a photo of the Eiffel Tower to write him a letter.She has received it the next day, to tell me that impression it made with the candidate who sent the command. personalized letters to everyone he met on the same day.He eventually candidates selected for the job.

[See 7 ways to reduce stress job interview]

Lesson: don't miss the letter even if you don't want the job, or in an interview you said that this is not the right fit, the next simplest offers introductions, networking or future employment with the same company.

Lindsay Olson-founding partner and recruiter with Staffing paradigm, the national search firms specializing in the placement of public relations and communications professionals she blogs at lindsayolson.com, where she discusses issues of recruitment and job search.

Why unemployment could Spike on election day

Also, if the Democrats do not have enough problems, they are so hard to revive the economy of back into a stupor. The mid-term elections in November, he may even seem worse than they are today. And that you can add a new kick Republican "wave", I guess some forecasters can sweep the Democrats of the majority in both houses of Congress.

[See 5 economic flubs, that will cost the Democrats the.]

If there is one header that indicates the State of the economy, unemployment rate. As we all know, is unacceptably high. In addition, President Obama's economic team made the unfortunate prediction in early 2009, that if the Government spent $ 800 billion in stimulus projects that unemployment would peak in about 8%.Boost passed by quickly shot to 10.1 by fall 2009. Since then drifted down and increases in the range from 9.6%. But there's a good chance it will shoot up again – perhaps even cresting alarming level of 10% on election day.

From an economic point of view, is not necessarily bad news at the beginning of the decline in unemployment has risen because company axing extensive. What's going on will not stretch any more, and some companies laying people off limits to what they can learn from their existing employees. The problem is to recruit a few companies, because consumers don't spend money and business is still down.

[See 5 reasons companies still hire.]

Great job losses in those days, in fact, not private companies, Government, once considered recessionproof. Recession, State and local finance, tax revenue down sharply in many places. Stimulus spending and other forms of assistance from the State of Washington delays the pain, but now they are working, leaving no choice but to cut. When the stimulus was held at the beginning of 2009, a few forecasters thought laboured economy will continue breathing air by 2010 midterms.In such a way that Democrats didn't see that coming soon.

In the private sector is another story. Small businesses are still weak weak demand and limited credit, but big companies are in very good shape. Profits are healthy and have loads of cash, they can use to recruit new employees when they feel the economy finally picking up.Companies hire more temporary and part-time employees and ask for current employees to work more hours typical steps before adding to their staff even more companies are hiring full timers, with a total private sector employment modestly this year.

[See 10 States where taxes up, down.]

The pace of job losses is at a 10-year low, according to employment firm Challenger, Gray & Christmas.Thus improving the safety of work, and gradually growing confidence, discouraged workers who lost their jobs and looking for a job will start watching again.That will raise the level of unemployment, as someone who is not looking for work are not considered part of the workforce and therefore not counted among the unemployed.Once you start looking for a job again, you become part of the workforce and technically unemployed.

We have an epidemic of discouraged workers and for a long time, arguably the most devastating problems in the economy right now. Ministry of labour said there are discouraged workers 1.1 million without even looking for a job and 2.4 million who are "slightly attached" workforce. those people who used to be considered part of the labour force, but no longer.As the situation is improving, many of them will return to the labour force and at first will be considered as unemployed, they look for work.

There are currently 14.9 million Americans are counted as unemployed.If we drop out of the workforce be 18.4 million this measure, the unemployment rate is about 11.6% — and she's moving in that direction, he didn't get either 11.6 because all these screenings are flooding the market at once some never return, and others will get the job done quickly, but as the labour force, unemployment is going to feel worse.

[Bookmark site & economy u.s. news business for more information and recommendations].

For the Democrats, it is clear that it is a pity, since private companies are finally starting to work in small quantities dropped out of the workforce very well might decide that it is time to return to the game when the stimulus is over 18 months ago, it was reasonable to expect that it would happen faster, the unemployment rate reached its peak in the early and start to drop by the midterms. so much for Democrats to conjure now forecasts a way to explain the rise in unemployment is actually good news.

Why you should invest in corporate debt

Profit-hungry investors rejoice: heavy duty here. Experts indicate the market of corporate bonds as a source of generous payouts more attractive to investors. Positives include signs that the worst of the recession is behind us and lower default rates of corporate bonds. Earnings were decent and companies issuing debentures at record levels. It's all good news for investors who are low return on investment, as US Treasuries and money market funds.

By default, the high-yield bonds — or those lower than investment grade — declined sharply. At the end of 2009, the rate of high yields by default was a whopping 13 percent, according to Moody 's. This number was reduced to 5%, and Moody's expects it to drop below 2% until mid-2011."It's a pretty sharp decline," said Sabur Moini, Manager Payden high income (symbol PYHRX). This means that issuers, less likely to default on its debt, and this is good news for investors who are interested in obtaining a portion of their portfolio of corporate bonds.

Over the past 20 years, the default rate among high-yield bond market is around 4%, according to Moini.The high profitability of the market really cleaned up over the past year and half, "he says.Corporations offer debt reached a record level because attractive enough for them to make conditions (e.g., low interest rates). worldwide Moini expects that there will be more than 200 billion dollars in high-yield is often referred to as "junk" bonds instructions at the end of the year, a total of production this year has already surpassed the record 185 billion in 2009.

[See top rated funds by categories, takes only u.s. news.]

Put this in context, yields in many different places on the bond market.At present, the 10-year Treasury bond Yields are 2.6. historically much higher: in mid-2007 when economic growth was much more powerful and demand for Treasuries were much smaller, 10-year Treasuries yielding five per cent. Because many traditional bond funds, which provide exposure to the investment level universe great on treasuries, they now offer a relatively low yields.For example, the vanguard total bond market ETF (BND), which covers the range of investment grade bonds, which make up the aggregate bond index Barclays Capital U.S. currently produces 3.5%, according to Morningstar.About 70% of the Fund's assets are in treasuries, government agencies and State mortgage-backed securities.

Experts say that they don't offer enough impact corporate debt. Now more attractive yields can be found in the corporate bond funds. "At that point and time, when we get that economic news to better, maybe there is a danger for higher interest rates, and that is going to make treasuries? "says Tom Lydon, etftrends.com Editor. "Today, we see more money going to corporate bonds, where you can get yields more than long-term treasuries which do not have the interest rate risk, if we start to see a surge of momentum "When betting finally grow investments like treasuries will suffer.(That's because when interest rates go price goes down).Experts say that they did not see the hike in interest rates in the near future, but rates can only go higher.

[See the News USA top rating of medium-term bond funds]

Instead of sticking with low-yielding Foundation, which is a serious asset class as treasuries, Lydon recommends that investors perceive THE ETF as iShares iBoxx $ investment grade Corporate Bond ETF (LQD), which currently provides 4% Fund covers medium investment grade corporate bonds Universe for those more specific investment time horizon Lydon said some relatively new offerings, Claymore ETF BulletShares corporate bond ETFs. these seven storage bond maturing in 2011 through 2017.(To be specified, bonds, corporate bonds, all Claymore BulletShares expires in 2011)These ETFs allow investors to buy various combinations of bonds with similar maturity dates instead of selecting individual bonds that can be more time-consuming and expensive. Lydon said Claymore ETFs can be used as part of a laddered approach in which investors buy bonds with a number of different maturity dates from interest rate and credit risks or they can be a good idea to investors with specific investment goals such as the child's College education, Lydon said.

2010年11月15日星期一

Why tax increases on the affluent are inevitable

Thanks to Herbert Hoover, insanity raise taxes during a recession. Three years in the great depression, Hoover tried to close the burgeoning federal deficit by proceeds from 1932 to income tax on most workers and pushed the top rate from 25% to 63%. If economists on anything that's cutting people of disposable income in the midst of the depression made things much worse, not better. Franklin Roosevelt had committed a sin, a few years later, hiking a slew of taxes to pay for social protection and other things — start fresh recession in 1937, as well as the economy seems poised for a recovery.

[See 11 ways planning to double dip recession.]

So in today's economy is on the brink of recession, why let the second Bush tax cuts expire on top level at the end of the year shall be determined by the President Obama, effectively increase their taxes? and why Republicans seems willing to go along with the idea of? here are five reasons:

Proposed tax hikes would affect a relatively small number of people:Obama wants to extend the Bush tax cuts for most workers, this means that for those who earn less than $ 200 000 and couples are earning less than $ 250000, nothing will change.Which account for almost 97 percent of all taxpayers. other taxes Obama would expire on a three per cent, i.e. Top tax bracket will increase from 35% to 39.5% and below, will rise from 33% to 36% dividend and estate taxes would increase, but mainly affect rich. therefore, for all the hype about tax increases, this happens only on a small number of Americans.

[See 4 characters is finally improving labour market]

Bite at best employees will not be that hurts Some families will feel squeezed when pass tax hikes as those whose income is just over the threshold — especially if they live in expensive coastal cities and kids in college. But taxpayers will fork over a relatively small proportion of their income in additional taxes. Two-earner families with two children and $ 500000 in annual income, for example, would pay about $ 13000 more taxes in accordance with the plan Obama v. (use this tax calculator is to run your own scripts before and after).Additional 2% of their income, apart from financial planning changes that would reduce the tax burden of the family.

This surcharge is not a trivial amount but rich save much higher proportion of their income, the family's standard of living, or translate into deep reductions in overall consumer spending, threatening the economic recovery. Rich obviously spend more per person than anything else, but compared to the huge middle class, there aren't many wealthy buyers. Cost of middle-and lower-income workers is what drives the economy.Leaving a refund yourself, Obama would at least ring fence incomes for those making the most of spending in the country.

[See Why poor rich]

For tax hikes on rich popular support. Most Americans believe it is just fine, if Obama w. Bush tax cuts expire and no longer for the rich.IN THE USA Today/Gallup poll, just 15% of people said tax cuts expire for all and 44 percent said they should expire only for the rich.Only 37% believe tax cuts should apply to all almost since everyone wants to lower taxes, a relatively high proportion of people in favor of some sort of tax hike indicates a growing awareness of the national debt and the need to raise more revenue is probably why Republicans to DIN Democrats wanting to raise taxes, they reluctantly go along with tax cuts for all but the wealthy are siding with public opinion.

[See 3 way Obama can increase employment]

Today in the tax burden is unusually low.As a percentage of GDP, income taxes are at the lowest point in 60 years, according to Donald Marron, Director of the nonpartisan Center for tax policy.Since 1970, income tax revenue as a percentage of GDP ranged from a high of 10% in 2000, the low-6.5% today.Bush tax cuts in essence have ushered in the tax benefits of sorts, and now the recession reduced state tax revenue even more.This will increase tax rates, nothing more than a return to average and it makes sense to start with those who earn the most only.

[Visit u.s. news business & economics for additional information and guidelines.]

America broke.And all in Washington know that taxes are going for most Americans, sooner or later. $ 14 trillion national debt is the cause of the crisis yet, but it would be if the Government continues to exceed revenue reductions are not alone will solve this problem would not be higher taxes on the wealthy yourself, as there are enough of them to dig nation, its hole, which means that there is a big trip to the middle class taxes. it may take the form of consumption tax, known as value added tax which may be partially offset by the reforms that will thin out bewildering thicket of income tax deductions and exclusions and make taxes fairer and easier however happens higher taxes on the rich are the first step. There will be a lot more.

2010年11月5日星期五

Twitter Traffic Formula

Just Released* New video series reveals how to use the power of Twitter to create a massive Flood of targeted traffic, Fast for any online venture! Easy, Fun and Powerful! Act now and get two special Twitter Success manuals for Free!

2010年11月4日星期四

Underground Traffic Society

Hot* New Product with Massive Conversions by Eric Rockefeller

Why not not fun for recession

Maybe we need a new definition of "recession."

It will come as no assistance at 15 million Americans who are unemployed, but the Committee August economists finally announced that the recession is officially over. Actually it's more than a year ago.No, you won't miss celebration there was.

[See 11 firms that overdid layoffs.]

For all the drama in the past few years, the final act of the big slump was surprisingly anticlimactic.Group of economists from the National Bureau of economic research, a private, non-profit group finally agreed that the recession ended in June 2009 is the point at which the economic activity stop drop and started to grow. Economists call this "trough", since the lowest level at which the economy down. It takes 15 months to know this, because the number crunchers wanted to have a year cost analysis — and not in a hurry to decide that little impact on the real economy.

Usually it can increase consumer spirits have official confirmation that we are on the way to prosperity. Nevertheless, even economists appears to be mystified at the "recovery", characterized by sky-high unemployment, loss of income, poverty and endless housing bust recession ending in ad NBER noted that hitting the gutters in June 2009 wasn't exactly how to do this happy hour on Friday afternoon it was more like Unidentifiable moment you stop getting more drunk and start getting less drunk. The Committee did not conclude, economic conditions, for the same month were favorable, "NBER explained" or that the economy has returned to acting on the normal capacity .... Gutter marks the end of the fall and early growth phase of the business cycle. "

[See 6 ways to say when the recession is really more.]

Now the problem that almost stagnant growth phase. After a year's worth of decent growth, fueled by government spending, the Federal Reserve manoeuvres and rebounding stock market clearly has been restored. Companies are laying off people in the crowd, but just barely. State and local authorities, once reliable employers slashing their own payroll drop their budgets. Housing Bust seems headed for the fifth year, with sales of miserable tumbling after Government incentives and prices may be down.In the stock market, in response to all gloom, sagged from April.

Announcement of NBER means that if the economy slips back into recession, will officially be two parallel recession or prolonged, one for most people this distinction makes little difference. Nevertheless, the end of the recession, NBER provides the best way to compare today's economy with previous periods — and guess what might happen next.

Jobs usually take some time to come back after the recession officially ended, and it is clear that this time is different. It's amazing what one way, in the labour market is bouncing today even faster than after a recession. Total employment lower in December 2009 in accordance with the NBER — in just six months after the end of the recession after the recession ended in November 2001, she took a 21-month for drift down to its lowest point and back up.That could indicate that we are doing better now than it was during "unemployed" recovery, after the 2001 recession.

[See Why poor rich]

The reason he doesn't feel that way is 2007-2009 recession was longer and deeper than previous downturns — and we now know how much more and deeper with a finish date for a big recession, we know that it lasts for 18 months.The average duration of the recession after the second world war was 11 months and longer, up to one, we have just experienced is 16 months.Forecasting firm IHS Global opinion indicates that the last recession is also the most serious since the second world war, with GDP drop 4.1% from its peak to decline in 2009, we have yet to find anything.

What makes current "recovery" worse than low moments earlier recessions.The current unemployment rate is 9.6% — a tenth of a point higher than in June 2009, when we hit this trough.At the end of recession of 2001 unemployment rate was just 5.5% since 1991, recession, unemployment rate was 6.8% compared to today, these channels seem like mountain peaks.

[See 3 way Obama can increase employment]

Now the question is whether the economy will continue to slowly improve or to fall back into another bout of recession in the early 1980s. then a short recession have given way to restore a mirage, after a long decline overall economy is in recession 22 months of 35 between January 1980 and November 1982.

IHS double dip recession risk pegs that time approximately 25 per cent; others think, chances are high and there are those who argue that we have the second dip. Economists is that it'll feel like a recession for a long time, no matter what the Statistics say. Where the unemployed are beginning to look for jobs, stabilize the value of the home, consumers start up costs and incentives, Government stops will mean an end to psychological recession nation. maybe we will be celebrating.

Why not clear whether the company sitting jobs?

Contrary to public opinion, "the company" did not sit for cash, are not "companies" deciding not to hire you. Now, whenever you hear someone talking about "company a" to do — or don't do this or that, or in another way when all of us would rather them to act in another — to replace the word "we" or "us", "companies."

[See the 22 ways to be a better boss]

Companies are not doing anything. People. And people make some educated guesses and very efficient. In my own little company is less than 100 people — our health insurance increased by nearly 25%, and this is the cheapest option is much more expensive options. Our current supplier gave us an application, made up of more than 125%."We" and wish to rent it now?Nope.

Another thing: "the company" fail. "We "fire of life and incredibly difficult and sad. Thus it is human nature to make sure that there is a business, so we don't have to fire again.

[See how to beat the job search Blues.]

Luckily there are some good news on the horizon.I see that the Ministry of Labour decided to create their own job Board.(See the Huffington Post column.)In the end there was only about 75 000 existing job boards out there right now for employers and job seekers in every niche of the State, cities and industries.(Disclosure: my company is linkup.com, job search engine for jobs available on the websites of the company.)

Just think that the Government did not decide to get into business clothing store after all sometimes have trouble finding the right size.

?. L. Hoffman-serial entrepreneur and venture investor/operator/incubator/mentors. two companies he traveled all the way out of the garage on the successful IPO. He is currently the Chairman of the JobDig, join one of the fastest growing job search engines. his blog can be found at whatwoulddadsay.com.

2010年11月3日星期三

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2010年10月15日星期五

Zeus banking Trojan attacks spread to social networks, smartphones

A rising percentage of spammed messages and posts flooding the top social networks are carrying money mule recruiting lures and Zeus Trojan infections specifically designed to help cybergangs carry out coordinated, large-scale pilfering from online banking accounts.

It takes a village to pull off multi-million dollar online banking heists. We now know this in detail thanks to the recent bust-up of a Ukraine-based gang of cyberrobbers by U.K. and U.S. law enforcement.

Such heists begin with many specialized accomplices spreading their lures and infections via email, social networks and now smartphones.

That's the upshot of fresh research from CA Technologies, AppRiver and the University of Alabama at Birmingham.

Why should you care about the accelerated rate at which cybercriminals are spreading Zeus through spam, social networks and smartphones?

These tainted messages, posts and smartphone alerts represent the initial tentacles of elaborately-staged attacks designed to crack into your online banking accounts -- or your employer's. A person who clicks on a tainted Facebook link while at work may inadvertently download a program that infects every computer in his or her office.

Small organizations are being specially targeted and losing crippling amounts, and as the recent bust of the U.K.-U.S. cyber robbery gang shows.

The FBI says this one gang alone atttempted fraudulent transfers of $220 million and successfully got their mitts on $70 million. Keep in mind there are probably a dozen or so gangs of this caliber operating, as well as hundreds of smaller thieves probing online bank accounts, says Don Jackson, senior threat researcher at cyber forensics firm SecureWorks.

Also keep in mind that you, the individual consumer, are also being targeted. Most consumers get made whole by their banks. But the hassle is unnerving, and once your account has been hacked, the bad guys have much of what they need to do it again.

CA Technologies just issued this report outlining the rich, diversified "crimeware" market. In the cyberunderground, anyone can buy powerful software toolkits that enable non-technical folks to swamp Twitter and Facebook with viral posts and messages. The goal: to recruit accomplices, amass stolen account logons and infect your PC .

Similarly, anyone can buy tools to spread turn-key spam all ready to go with messages crafted to recruit "money mules," the key accomplices in million dollar money laundering operations. All of this takes place in a thriving cyberunderground that follows the basic laws of supply and demand.

"Crimeware isn't new, but the extent to which a services model has now been adopted is amazing," says Don DeBolt, director of threat research, Internet Security, CA Technologies.

Crimeware may not be new. But it is being deployed at unprecedented levels, says Gary Warner, Director of Research in Computer Forensics The University of Alabama at Birmingham Department of Computer & Information Sciences and Department of Justice Sciences

Warner says he is continuing to see high volumes of mule recruitment email, and more targeted spam designed to flush out controllers and financial managers at small companies, local governments, churches, schools and non-profits.

"The volumes are quite high," says Warner. "That tells me that our round of arrests, while large, clearly has not changed the message of cybercrime which is that risks are low and the payoffs are high."

Most of the charges and arrests in the FBI's and Scotland Yard's recent big bust were of mules and mule handlers.

"Even in this case, the mules are bearing the brunt of the arrests while very few highly-ranked criminals have been brought to justice so far," says Warner. "Some highly ranked folks, in the Ukraine for instance, have been arrested, and these are significant arrests and great success stories, but we need to do that about a thousand more times before the criminals are going to believe we are serious about crime."

Most recently, spammers have been directly deploying Zeus and other banking Trojans via email attachments that arrive as spam purporting to be a job application or a job offer.

The Zeus banking Trojan, created and maintained by the Russian hacker known as A-Z, remains the hottest piece of crimeware out there. However, an upstart rival, called Spyeye, is gaining popularity, says DeBolt.

Banking Trojans are customizable programs efficient at silently stealing from your bank account while you are logged on doing your daily online banking.

Like Zeus, Spyeye steals your banking log-in credentials, disables antivirus protection, hides itself from detection and creates hooks that gives the controller several routes to take over full control of your PC.

Older Zeus crimeware kits still fetch around $4,000, while the latest Spyeye kits are available for $500, although with new plugins, the price easily rises to $2,000. What's more, Spyeye can be programmed to eliminate and replace any ZeuS infection it runs across, says DeBolt.

Banking Trojans like Zeus and Spyeye enable cyberrobbers to pilfer with near impunity from the online banking accounts of countless companies and individuals. Because of the money to be made, it's not surprising that cyber criminals appear to be on the verge of spreading banking Trojans on a widespread basis to smartphones, says AppRiver researcher Fred Touchette.

"Malware for smartphones does currently exist, and I expect many more attacks geared toward smartphones in the future," says Touchette.

In August, Touchette discovered a Facebook Zeus attack with a twist. It began in typical fashion, with a swarm of emails purporting to arrive from Facebook carrying the subject line, "Reconnect with Friends." To reveal the contents of this notification, the recipient was asked to click on a link that actually installed the Zeus banking Trojan on the recipient's PC.

The attack did not stop there for any Facebook member; he or she would also receive the tainted message on his or her smartphone.

The twist: when the message was accessed on the smartphone, it caused the Facebook application to launch, thereby allowing recipients to review the e-mail contents within the Facebook application itself. This made it appear less like spam and more like an official smartphone notification from Facebook, a source many people trust.

"The message came across rich with Facebook graphics giving it a legitimate look and feel of official Facebook correspondence," says Touchette.

The phone message contained the corrupted link. However, the bad guys had programmed the Zeus infection to install only on a PC web browser. For some reason, they did not go the extra step to configure the infection to also install on smartphone operating systems.

So anyone who got the slick smartphone version of this particular Facebook attack was in no danger of infection, says Touchette.

Even so, the attackers, whether by oversight or not, opened up a new way to attack smartphones that others are sure to take advantage of.

"If the bad guys can get a link to arrive on your phone, disguised as if it's coming from Facebook, and get you to click on it, they've got you," says Touchette. "It's just as trivial to install a banking Trojan on your smartphone, including iPhones and Droids, as it is on a PC."

By Byron Acohido

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