Archive for Archive for May 10th, 2008
Sunshade for Honda Ridgeline 2005-2008
Sunshade for Honda Ridgeline 2005-2008 Special metalized polyester film-laminated to a thin layer of closed-cell foam, with clear polyester film back. Then sewn around the edge with cloth binding plus Velcro strap for storage
“Most impressive is the preference that U.S. automotive technicians have for Snap-on’s hand tools as nearly seven out of ten (69 percent) select Snap-on as ‘Overall Best for Hand Tools,’ yet only 12 percent state the same about the nearest competitor …
Diskeeper 2008 Home
Diskeeper 2008 Home Diskeeper 2008 Home Diskeeper 2008 Home edition puts your PC in the driver’s seat, allowing you to enjoy unprecedented performance and reliability while you work, browse and play. Fragmented hard drives drain critical system resources and compromise almost every aspect of daily computer use, leading to longer load times, persistent lags and costly crashes. Diskeeper 2008 Home shifts your system into high gear, ensuring that all your programs are running at peak. The Breakthrough Of InvisiTasking InvisiTasking’s true transparent, background processing technology allows Diskeeper 2008 to defragment your computer in real-time, completely eliminating the need for cumbersome maintenance operations. Free up gridlocked resources and let your computer hum along at peak performance while you work, browse and play. Diskeeper 2008 Home enhances the reliability and performance of your computer - automatically! Increase Computer Speed Your computer will run faster with Diskeeper 2008 installed - period. You’ll enjoy using every aspect of your system - from downloading to accessing files to surfing the web - with greater ease and efficiency. Leave hang-times, freeze-ups and other fragmentation-based crashes in the dust. Diskeeper 2008: A Disk Performance Revolution Diskeeper 2008 Home is unlike any other product on the market today. Now, more than ever, it is important to have a system that is reliable and performs at the peak of its ability. Remembe
Thinking About a Resort Retirement Home?
Better Think About Buying Now!
Buying Now Ensures A Choice Location and Rental Income Helps Pay for the Home
As the Baby Boom generation ages, more and more of us are thinking of retirement homes. Dreaming of communities in the country, close to golf, theatre, art galleries and forested hillsides. Or maybe your dream is of Florida sands, palm trees and year-round heat. In either case, youd be well advised to act on your dream sooner rather than later.
Its a simple matter of economics and supply and demand. Real Estate prices are trending upwards. Property values appreciate annually. There are only so many award-winning, really choice resort retirement locations. And the baby boomers are getting ready to snap them all up.
Take Mt. Meadows in Ashland, Oregon. This resort retirement community on 31 acres has run out of property with only 26 units left to sell and 14 more on the resale market. Named the “Best Small Active Adult Retirement Community in America” by the National Council for Senior Housing and one of the 100 “Best Master-Planned Communities” by Where to Retire Magazine, Mt. Meadows is a good example of the kind of premier community most retirees are looking for.
In addition to its familiar and comfortable design just like an old-fashioned neighborhood Mt. Meadows is special because it offers investors private ownership of its condominium residences. This preserves a buyers capital; includes the ability to sell at any time or to enhance income through a reverse mortgage; and, enables purchasers to leave the property to their heirs. The owners also control management of the development. There is no “corporate headquarters” dictating increased fees or changes in popular policies.
Not all retirement properties are structured in this manner. In many cases, investors are buying a “building”. In these single-building retirement developments, residents are housed in an apartment with a very small kitchenette. The building has a lobby and a dining room; and, occasionally meeting rooms or a library.
Residents often do not “own” their apartment units, and there can be “buy-in” fees in addition to monthly charges in these buildings. A vast majority of retirement facilities and developments in the country are corporate owned. Changing economic conditions or a change in management can influence staff, policies and fees for facility residents.
It is incumbent on investors to review the many kinds of retirement developments, their management structures and financial models, before deciding where to buy. It is wise to include the family accountant, financial advisor and/or attorney in these considerations. But theres one more thing to think about
Weve all heard real estates golden rule: Its all about location, location, location. And thats why its important to start looking for your retirement home now and to be ready to purchase once you find your match. Premier locations are being developed, and soon wont be available to buyers. Thats reason enough for most 50 year-olds to start looking tomorrow.
Getting into your dream retirement home with very little down and utilizing rental income to help finance the purchase is an even more compelling reason to consider investing in a retirement home today. There are several scenarios that come to mind. You may have recently become empty nesters and are considering downsizing your long-term family home in which you have considerable equity. This is one of the very few times in life that the IRS allows you to take your profits, up to $500,000, tax free. You can buy a smaller, more inexpensive home with some of the profits, and use a portion of the remainder as a down payment on your dream retirement home. Depending on the down payment, monthly rental fees may just cover mortgage payments, helping pay for the home until you are ready to move in.
In another scenario, buyers can use the proceeds from a 1031 exchange to fund the purchase price or down payment on a retirement home. To qualify for this tax exemption, you must rent your retirement home out for a couple of years. That fulfills the IRS requirement that you move money from one investment property to another property intended as an investment. At that point, or any thereafter, you can sell your primary dwelling and “convert” your investment property from a rental into your new primary dwelling thus avoiding any tax on the entire transaction. If you use equity from your existing home, or the proceeds from a refinance to fund the down payment, you get into your dream retirement home without any significant outlay of your personal capital. And if you rent the property until you are ready to retire and move, your renters money helps pay for the home.
What should investors look for in a retirement home that they intend to rent before occupying? Again, location is a priority consideration. Most retirement homes are located within an hours flight from the buyers previous, principal residence. Most are located in areas that have a mild climate; outstanding recreation, cultural resources and health care facilities; and, are easy to get to like many parts of Southern and Central Florida, known for their retirement communities, and like Ashland, Oregon where Mt. Meadows is located. Ashland is home of the Tony Award-winning Ashland Shakespeare Festival, Southern Oregon University and the Mt. Ashland Ski Resort.
A mountain-side college-town, Ashland has been named one of the Top 10 Small Art Towns by John Villani in his book The 100 Best Small Art Towns in America. It boasts some of the best restaurants in the Northwest. The area is close to nine lakes and three major rivers including the wild and scenic Rogue and Klamath Rivers. And, theres a major airport served by three airlines just minutes away in Medford. Wal-Mart and a host of other shops, from outlet stores to boutiques and galleries, are just five minutes away.
In addition to location, buyers should consider their own unique financial circumstances. Purchasing a retirement home is a strategic decision with implications for the future. It is important to maximize the flexibility and minimize the financial burden of such a purchase. Resort retirement developments that allow residents to purchase their properties provide superior flexibility and a number of creative ways to allocate the costs.
Sometimes the adult children of a retiring couple will fund the purchase price or down payment for a Mt. Meadows condominium and their parents pay a monthly “rent” that covers the mortgage payment and fees. In this scenario, the kids share the depreciation of the unit for tax purposes as well as the appreciation in real dollars for future profit.
In another version of this model, well-off parents gift their adult children and wives with the maximum $10,000 allowed tax free on an annual basis. The children then use these funds to make the down payment on the retirement property which they own. In other cases, residents have “loaned” their adult children the funds necessary to purchase a Mt. Meadows unit, then left the property to their kids in their wills. The value of the property in these cases is calculated based on the day of death, and thus the heirs avoid any previous profits or appreciation.
However you decide to fund your resort retirement home, the time to start looking for a premier property that offers you and your family the maximum in flexibility and investment potential is right now. In fact, savvy buyers can get into a retirement home in a number of creative ways and even leverage rental income to help make monthly mortgage payments until they are ready to move in.
Freelance Writer in Southern Oregon
Alpine Big Truck 60/40 Split Bench Seatcover
Alpine Big Truck 60/40 Split Bench Seatcover The Auto Expressions Bucket Seatcover features innovative fabric and design for both fashion and fit. This seatcover updates the appearance of old or dirty seats and protects against splits, stains, fading, dirt, and pet hairs. Made from strong, sturdy fabrics, the unique design features the “Superfit” flap for a more snug, wrinkle-free fit. The seatcover is easy to install and fits most bucket seats. Each package contains one bucket seatcover.
Ramtron to Showcase F-RAM Automotive Solutions for In-Cab and …CNNMoney.com - May 7, 2008Ramtron will highlight how its nonvolatile F-RAM memory products are driving next-generation automotive innovations across under-the-hood and in-cab …
