flat rental Beijing


Written on 9 Abril 2010 – 15:24 | by donaldellis1969

weekend apartments

Successfully rebuilding New Orleans and other Gulf Coast communities devastated by hurricanes Katrina and Rita in 2005 will require bold new initiatives and an overhaul in how the government currently addresses and oversees disaster recovery, according to an in-depth report released this week by the non-profit Institute for Southern Studies.

The “Blueprint for Gulf Coast Renewal” was written by the institute and sponsored by Oxfam America and the Jewish Funds. Additional support was provided by the Gulf Coast Fund for Community Renewal and Ecological Health/Rockefeller Philanthropy Advisors and the Ms. Foundation.

The report finds numerous flaws and shortcomings with the Gulf Coast recovery effort so far, and outlines a five-point plan for turning the situation around. The plan calls on the federal government and other agencies to set a six-month agenda for recovery; help evacuees who want to return come back home, whether they own, rent or live in public housing; launch a Gulf Coast Civic Works Program and other programs aimed at providing good jobs in the region; protect the region's environmental health with strong levees, restored protective wetlands and cleanup of toxins; and improve oversight and eliminate red tape to deliver recovery funds effectively to those who need it most.

“In September 2005, President Bush made a promise to 'do what it takes, and stay as long as it takes,' to rebuild the Gulf Coast,” says Chris Kromm, director of the institute and a co-author of the report. “But the Katrina recovery has been a failure — and thousands of lives are still in limbo because our country didn't keep its promise to the region.”

Among the report's other findings:

* Of the $116 billion the administration says it has spent on rebuilding the Gulf Coast since Katrina and Rita, only about 30 percent was spent on long-term recovery projects;

* FEMA's 2005 disaster relief budget included $7 billion for administrative expenses, about 22 percent of the total relief budget;

* As of this August, only 30 percent of the $16.7 billion earmarked for Community Development Block Grants had been spent;

* As of this July, the U.S. Army Corps of Engineers had spent only 20 percent of the $8.4 billion budgeted for levee repairs in Louisiana;

* Some 60,000 families or individuals affected by hurricanes are still living in FEMA trailers; of these, 1,461 have asked to move out because of dangerous levels of formaldehyde reported in trailers;

* While 82,000 of the 200,000 Louisiana homes damaged by hurricanes Katrina or Rita were rental units, only 33,000 rental units are currently on track for rebuilding under the state's restoration programs;

* Of the 5,100 occupied public housing units in New Orleans pre-Katrina, only 1,500 are now occupied, and 3,000 are set to be demolished under plans by Housing and Urban Development (HUD). Money has been budgeted to rebuild only 1,000 replacement units;

* If everyone eligible for Louisiana's Road Home rebuilding program applied for funds, the state would be $5 billion short of adequate funding;

* The New Orleans area has lost 118,000 jobs since Katrina struck, and one out of four restaurant, stores and malls remains closed;

* Of the $4.5 billion set aside for Gulf Opportunity (GO) Zone projects aimed at helping Louisiana businesses to recover, only one project in New Orleans has been approved for funding. However, a developer has won GO Zone tax breaks to construct 10 luxury condos near the University of Alabama, which is four hours from the Gulf Coast;

* Only 12.5 percent of Katrina contracts had been awarded to small businesses in Louisiana as of this April. In the four months since the Department of Homeland Security pledged to increase that figure, only 7.4 percent of contracts have gone to small businesses in the state;

* The number-one reason cited by displaced Katrina evacuees for not returning to Louisiana is that they can't afford to move;

* Louisiana has only about 10 years left to restore its shrinking wetlands before its coastal communities are overtaken by encroaching waters from the Gulf of Mexico;

* Only $1.9 billion of Congress' proposed $21 billion water resources bill is earmarked for wetlands restoration in Louisiana; estimates show bringing the wetlands back to a sustainable state would cost about $14 billion;

* The U.S. Army Corps of Engineers' Mississippi River-Gulf Outlet (known as MR. GO) built in 1965 has contributed to the destruction of about 100 square miles of protective wetlands; while the Corps now has plans to close the outlet, it has no plans to restore any of those lost wetlands;

* Of the seven hospitals operating in New Orleans before Katrina, only one has returned to pre-storm levels.

Institute for Southern Studies, “Two Years After Katrina: Blueprint for Gulf Renewal.” URL: (http://southernstudies.org)

Property for rent


Written on 14 Enero 2010 – 10:46 | by donaldellis1969

3333Garland   3333 Garland Ave. Louisville Kentucky 40211  http://www.VistaKY.com Home For Ren by VistaKy.com

sell apartment quick
Note: Before you hire anyone to prepare your taxes, a good question to ask is whether they will represent you to the tax agency if there are any questions or problems with any returns they file on your behalf. Also Renters, don’t forget! No matter whether you decide to do your own taxes, or have a tax preparer do the accounting and file everything for you:

If you rent the property you live in, check on your eligibility for renter’s credit. You may be able to get back a percentage, through your tax returns, of what you paid for rent. An interesting article that explains how this works, written by Molly Priesmeyer and entitled “Gov: Like Those Renters’ Rebates?” is at the City Pages site. Go to http://www.citypages.com/databank/26/1265/article13012.asp

Alphabetically listed below are tax preparation and filing companies throughout St. Paul (other than ones in the suburbs or “chain firms”) that prepare and file both personal and business tax returns.

The best news is, by going to a tax preparer, you won’t be among the throngs of taxpayers standing in line at the Post Office on April 15th. Although I can’t recommend any specific one, I must admit I appreciate the tagline for Moh’s Tax Service on Ford Parkway: “We work for you, not the IRS.”

All area codes are 651, except theirs.

ABC Tax & Accounting, 276 Snelling Ave. N. 644-4653

Accurate Tax & Accounting, 750 E. 7 St. 772-2217

Alpha Diversified Services, 849 University Ave. W., Suite 801 209-1370

Amare Berhie and Associates, 2233 University Ave. W. 603-7177

Ark Accounting, 1138 Rice St. 489-5314

Asian American Tax Services, 501 N. Dale St. 665-0366

Aunan, John R. Tax Services,2576 7th Ave. E. 770-5979

Berger, Warren, Ltd., 428 Northland Ave. 439-0122

Bower Accounting & Tax, Inc., 1608 Como Ave. 641-1201

Brodtmann & Associates, 992 Front Ave. 488-8785

Carolyn Pozzini Tax Service, E.A., 5677 Geneva Ave. N. 777-8300 

Comprehensive Business Services, 1821 University Ave. W., Suite S-339 642-1331

Correcaminos Tax Service, 174 Cesar Chavez St. 224-1281

Cumpston & Associates, 380 E. Lafayette Frontage Rd., Suite 110 227-2333

Cusick Acct. Solutions, Inc., 903 Iroquios Ave. 739-1003

D. J. Tax Service, 1721 Old Hudson Rd. 731-2012

DuQuette’s Tax & Acct. Service, 2353 Rice St., Suite 135 638-0821

E L M Tax Service, 907 W. 7th St. 227-0189

Flesher Anderson & Flesher, 742 Snelling Ave. N. 644-1344

Fred Shetka & Associates, Inc., 1337 St. Clair Ave. 690-5498

Hall’s Expert Tax Service, 1821 University Ave. W. 917-2664

O. L. Horrisberger & Sons, Inc., 1225 Arcade St. 771-5658

Jonah I. Oglamien, Inc. 508 Snelling Ave. N. 642-1413

Kallas, J. Records & Tax Service, 1884 Como Ave. 646-5674

Lee’s Tax & Payroll, 383 University Ave. 221-0199

Lieser David & Associates, 2179 St. Clair Ave. 690-3147

Metro Tax & Accounting Services, 111 E. Kellogg Blvd. 224-1278

Mickelson Tax Service, 420 S. Robert St. 224-4245

Mielke’s Tax Service, 1439 Arcade St., Suite 120 774-2861 

Miller Tax Service, 1779 E. Arlington, Suite A 774-9558

Mr. Tax of America, 1379 Maryland Ave. E. 774-9741

Mohs Tax Service, 1771 Ford Pkwy.  *(612) 721-2026

Norah Financial Services, 625 Larpenteur Ave. W. 488-4462

ODA Rapid Tax Return, 2446 University Ave. W. 644-5963

Professional Accounting Services, 1225 Arcade St. 776-1318

Skally Tax Service, 624 Grand Ave. 298-1188

Tax Mart, Inc. 426 Fairview Ave. S. 917-9969

Ubani & Associates, 2147 University Ave. W. 917-2090

Property for rent


Written on 14 Enero 2010 – 7:00 | by donaldellis1969

1410 Clara Ave Louisville Kentucky 40215 Home For Rent, House For Rent by VistaKy.com

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The first step when analyzing any property you are considering purchasing is to write down all the numbers. Calculate the gross annual income of the property, as well as the cost of the potential mortgage and taxes. These are the basic numbers which you will need in order to make a basic analysis of the potential economic return on the property.

Calculating Yield
Gross Annual Income/Sale Price

Yield is the most basic analyzing tool for any real estate investment. It is also the least useful in informing you of the economic value of the property. However it is a quick and easy way to give you a basic idea of where the property is going.

To calculate the yield, simply total up the income you will receive from the property in a given year, then divide this by the sale price. You will receive the yield in a form of a percentage.

For example, let’s say that you are looking at a duplex that costs $100,000. One half of the duplex earns $500 a month, the other $600 for a total of $1100 a month. That gives us $12,100 a year. $12,100 divided by $100,000 gives us a yield of 12.1%. This is not the greatest yield ever, but it is not necessarily bad either However, this basic analysis does not take all of the many factors which must be taken into account: the price of your mortgage, property taxes, other expenses, depreciation values of the house or equity in the long term.

Gross-Rent-Multiplier (GRM)
Sale Pirce/Gross Annual Rent

The Gross Rent Multiplier is almost exactly the same as calculating the yield. The numbers are the same, but now we are looking at those numbers in reverse. Using the GRM we can find how many years it will take the property to earn the sale price of the property. The lower the number, the better.

Using our example from above, we know that we are earning $12,100 on our $100,000 duplex. When we do the math we learn that it will take about 8 years and three months for our property to earn us the sale price. 8.25 is well within the normal range for a GRM. With older housing that might not be selling for full value we can sometimes see a GRM as low as 5, for newer housing it can often be as high as 12.

This gives us a slightly different view than we had just looking at the yield, but it still does not give us a complete picture. We do know now, though, that our property will pay itself back in 8 years and three months.

Debt Coverage Ratio (DCR)
Net Operating Income/Annual Mortgage Payments

Debt Coverage Ratio is a tool used more commonly by lenders than by purchases, but it can give you a good idea of the ability your property has in covering its expenses.

In essence we are trying to find the amount of money that you have coming in net over the price of the mortgage in a year. Still looking at our duplex, let us say that costs of maintaining the property in its current condition is about $3,000 a year. This will come off the total of our operating income. $12,100 minus $3,000 gives us a total of $9,100.

To calculate the DCR, we then divide $9,100 by our total annual mortgage of $6300. $9,100 divided by $6,300 gives us a DCR of about 1.44. This is an excellent DCR. Lenders often like to see a minimum DCR of 1.25, and this is well over that amount. We are looking good on our Debt-Coverage Ratio.

Cash-on-Cash Return (COC)
Cash Flow Before Taxes/Investment

This is a very useful tool in analyzing real estate investments. It gives us a basic look at how much cash we are receiving in any given year verses the amount of cash we initially invest in the building.

First we will have to calculate our cash flow before taxes. This is the gross annual income of the property less the mortgage payments that are made over the course of the year.

Let us look once more at our $100,000 duplex. Say that we made a $25,000 down payment on the building, and thus have to pay a mortgage on $75,000. At 7% interest our mortgage is about $525 a month. Over the course of the year, then, we are paying $6300 off on the mortgage. Subtract that from our $12,100 income and we get a net cash flow before taxes of $5,800.

To calculate our cash-on-cash return, then, we simply divide our net cash flow before taxes by our initial investment in this case $25,000. $5,800 divided by $25,000 gives us a COC return of 23.2%. Almost twice as high a percentage as our yield! Thus, although according the yield we are only earning 12.1% on the property, based on our initial investment verses our net income we are actually getting a return of 23.2%

This gives us a much clearer idea of the return on our investment than does the yield, but it still ignores such things as tax benefits, equity in the property, etc.

Summary

The methods described here are very basic analysis tools that can give us insight on several basic economic indicators on a property that we choose to invest in. They ignore, however, some of the more complicated aspects of real estate investments: such as calculating tax benefits, estimating equity and so on. These are much more advanced questions that take a lot more time to look at.

Using these tools can give you a good basic idea of the quality of a real estate investment, however. Look at each of the numbers individually as well as as a total. Also remember that these numbers cannot always tell you everything. Every property is different, and must be looked at on its own merits.

Economy in real trouble, do you wonder what will happen next?


Written on 13 Enero 2010 – 11:47 | by donaldellis1969

"Blackall Street" "London Street Art" "Shoreditch Street Art" by londonstreetart2

sell apartment quick

When renting a house or apartment, although the landlord owns the property and has the right to establish certain rules, tenants also have rights. Each year, the courts are full of cases involving tenant-landlord disputes. In most cases, tenants feel as if the landlord acted discriminatory or violated their privacy. If choosing legal action, consider the follow tips

1. Attempt Mediation

While grounds to sue your landlord may exist, tenants should attempt to resolve the issue before stepping in front of a judge. Between lawyer and court fees, it may not be financially worthwhile to sue a landlord. Still, if the issue surrounds security deposits or other funds, tenants naturally want to recover the money.

Mediation is very inexpensive. Moreover, some lawyers will draft a collection letter for a nominal fee. In some instances, a letter from a lawyer is all it takes for a landlord to begin taking their tenant seriously.

2. Contact Local Fair Housing Agencies

Before contacting an attorney, it helps to speak with a representative from a local fair housing agency. By law, a landlord cannot deny a renter's application or evict a renter based on their sexual preference, color of their skin, age, or nationality. Unfortunately, this is common. Proving a landlord's prejudice is difficult. However, with the right evidence, a tenant may be able to convince local housing authorities and a judge that they were unfairly evicted.

3. Seek Advice from an Attorney

Fortunately, many attorneys offer free consultations. During this session, explain your situation to the attorney and seek their advice. When dealing with a landlord dispute, tenant should select attorneys who are knowledgeable in landlord-tenant laws in your state. Each state has its own set of laws. Some are more favorable toward the needs of the tenant, whereas other states have laws which offer more benefit to landlords. Through a free consultation, an attorney has the responsibility to offer sound legal advice and discuss your odds of winning the case.

4. Bringing the Case to Court

Proving your case in front of a judge is difficult. Court cases are he-said, she-said, and it is the judge's responsibility to filter through the lies and exaggeration to find the truth.

To help their case, tenants should come to court prepared. If using an attorney, he or she will likely prepare an undisputable case in advance. If representing self, consult an attorney and inquire about documents that should be brought to court.

If the dispute surrounds money, such as claims of unpaid rent, unreturned security deposits, and so forth, tenants should arrive to court with copies of their lease agreement, cancel checks, etc. If suing because of an invasion of privacy, failures to complete repairs, improper eviction, or discrimination, rehearse a statement prior to the court date. Understandably, judges have little patience and no time for unprepared cases.

Have you been to Nottingham


Written on 18 Diciembre 2009 – 17:48 | by donaldellis1969

Nottingham was granted its city status by Queen Victoria in 1897 and has since been officially titled the City of Nottingham. Nottingham is famed for its association with the Robin Hood legend and, obtained worldwide recognition for its lace making and bicycles industries.

The old market square is the focal point of Nottingham city, it is dominated by the council house and is the biggest square in the UK. The Exchange Arcade on the ground floor is an upmarket shopping containing high end shops. Portland Stone, the same as used for St Paul's Cathedral, was used to construct the Council House and Exchange Arcade.

Latest Population Estimates for Nottingham are as:
292,400 for the City of Nottingham
656,900 for Greater Nottingham
786,600 for the Nottingham Travel to Work Area

Nottingham City Centre by thejollyroger

A lace market nottingham letting agent will be able to help you find the ideal place to rent. The rental market is very busy and good homes will not stay empty for long. Accomodation in nottingham can be found in many of the cities new luxury apartments if you like the city living. For those wanting a bit more space and less of the city life there are planety of houses in nottingham to take care of your needs.

new favorite film still


Written on 9 Diciembre 2009 – 11:28 | by donaldellis1969

Here is a still from the sequel to my favorite film ever Twilight.

New Moon Movie Set by withlove.erin

 

I thought Twilight would do well as a movie after reading the great book.

Can you guess what it is?

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Bad noodles is bad news


Written on 6 Diciembre 2009 – 10:53 | by donaldellis1969

La Tour Nissin (Nissin Tower, France) by HokutoSuisse

Today I was really hungry, and I was looking in my pantry for something to eat, and then Maruchan Ramen Noodles came to mind. After working in private prisons for over three years, I can pretty much survive on Maruchan Ramen Noodles. Because, I watched inmates cook up some good meals with these noodles, and in this article I will give you some ideas on how to cook Maruchan Ramen Noodles, and I will give advice on where to buy the best flavors at, and for a cheaper price. And, this articles was made possible by the incarcerated individuals, which I send a lot of respect out to.

Maruchan Ramen Noodles #1: The way you cook Maruchan Ramen Noodles is totally up to you, but

The way you cook Maruchan Ramen Noodles is totally up to you, but there are several ways to prepare the noodles, and I will tell you a few ways to prepare them. You can have them the original way which is just a slow cook, and then add the flavor in the package. Or you can get creative, and after cooking them you can add a can of water tuna in the noodles, “the tuna I buy comes from Dollar General Stores in a blue can, but I forgot the name brand.” Or after the tuna you can also add some Frito Chips in the soup, but remember not to add to much soup water to the dish, because it will make things really soggy. Now, there is several ways to prepare these noodles prison style, but I will teach you later in one of my articles. The most important thing about these noodles is that they make you feel good after eating them. Compared to all the bloating regular food does to your stomach like burgers, pizza, fries, fried cheese sticks, and all other fast foods. I eat this diet at least like four times a week, and last year in 2006 I lost close to one-hundred pounds after eating this diet.

Maruchan Ramen Noodles #2: Maruchan Ramen Noodles are sold almost everywhere, and the prices differ from place

Maruchan Ramen Noodles are sold almost everywhere, and the prices differ from place to place, and flavors do to. I myself have bought them at the Dollar General Stores, but they are always low on flavor selection, all they have is chicken, and shrimp flavor. Wal-Mart does have a lot of flavors, and they are cheap there. But, H-E-B Stores have Maruchan Ramen Noodles really cheap, and their flavors are endless including shrimp, roast, lime-shrimp, and the original chicken flavor. But, don't worry there is other flavors which I can't think of at the moment. I usually get Maruchan Ramen Noodles at four for a dollar at H-E-B Stores. So, next time you are hungry just tear open a package of Maruchan Ramen Noodles, and cook them until fully cooked, “don't forget to get creative!”

buy nissin noodles

No credit is bad news


Written on 11 Noviembre 2009 – 11:46 | by donaldellis1969

If your credit isn't the best, you may be used to complications already, and you just want to find fast and easy private student loans for bad credit borrowers. Slow down a little bit: You can get a loan, and it can be done quickly, but you should still take a little time to review your options and get the best possible deal.

If you're looking for a private student loan, you should have already exhausted all possibilities of covering your education expenses with federal loans and financial aid. You should be sure to take out the maximum federal loans and any financial aid you can get before getting private loans. Federal loans offer fixed interest rates and Stafford loans do not require a credit check. Don't give up on federal loans because you're looking for convenience; if you're going to finish college you'll need to be able to manage your way through a little government paperwork. Consider it your first research project.

It's common for students to fund their education through private loans as well as federal loans, because federal loans often don't cover a student's needs. Don't go with the first offer without comparing lenders. Even with bad credit, although some financial institutions will reject your application, others will compete for your business. Remember, student loans cannot be excused by declaring bankruptcy, so the lender knows that this is a low-risk loan to begin with.

Take the time to call several lenders and compare their offers, and let them know if you're getting better offers so they have the chance to make a counter-offer. This takes a little extra time, but they will attend you quickly and you can compare different offers and still have the issue resolved in no time. To make things quicker, get all your financial information in order before starting to call.

Making lenders compete for your business is a good way to reduce the higher fees and interest rates students with bad credit have to pay. Also, if you have a cosigner with good credit, you can get a better offer.

If you have all your financial information in order, your credit history in hand, and have calculated exactly how much you need to borrow, lenders will give you tentative prices for the sake of comparison, and most lenders have websites which provide loan calculators.

Many lenders will offer you fast and easy private student loans for bad credit borrowers, but if you don't take a little time to compare offers now, you may spend years paying off the extra interest later.

no credit check loan

No credit no problem


Written on 11 Noviembre 2009 – 8:43 | by donaldellis1969

Interested in guaranteed payday loans for people with bad credit? Well, you're definitely not alone there. Truth be told, anyone who has a bad credit rating & needs quick cash now could not ask for a better opportunity than this. Why? Because not only are bad credit online payday loans easy to apply for, but they don't require credit checks, and anyone can be approved within just a few minutes!

There are plenty of people that believe that there are no payday loans for bad credit individuals. Fortunately, they are 100% wrong, as even a person with the worst credit rating in the history of credit can be easily approved for same day cash advances. It's shocking, but completely true.

“This sounds too good to be true. What's the catch?” In all honesty, nothing. Instant online payday loans for people with bad credit and/or a low credit score are not crafty “traps” that payday lenders use to fool people — it's quite the opposite in fact. Bad credit payday loans are made to be a means for people with low credit scores to get the cash they need when they need it.

“Do payday lenders get anything out of this?” Yes, they actually do. Payday loans are not free gifts, meaning there will be interest and fees tacked on to each loan. However, these fees & interest are generally little compared to the actual loan itself; hence, they won't bleed you dry when your next payday comes around.

These guaranteed payday loans for people with bad credit have been helping thousands upon thousands of cash strapped people all over the world for quite some time now. They don't require credit checks, no papers need to be faxed, and the money is delivered that very same day. Seriously, what more could a person with bad credit ask for?

For more in-depth information about guaranteed payday loans for people with bad credit and to learn about the best way to get quick cash now, try visiting http://www.EasyOnlinePaydayLoans.net, one of the most popular & informative payday loan websites on the web

no credit check loan

I might have gotten bad credit?


Written on 8 Octubre 2009 – 5:51 | by donaldellis1969

The terms unsecured and low rate wont usually be used to describe the same loan. Usually in giving an unsecured loan a bank is taking a greater risk with you and will therefore charge more interest. This may be about 2-6% more per annum than a secured loan for the same value.

Unsecured loans for people with poor credit will almost definitely have high interest rates as someone with bad credit and no security you would pose a risk for the bank.

Unsecured loans, especially for people with poor credit are likely to be of lower value in the area of a few hundred pounds. This is another way that the banks limit their risk, when lending only small amounts at this high risk level. If you need a larger loan amount or a lower interest rate it will be beneficial to shop around.

When you need a unsecured loan bad credit, it can be useful to do the research now to find the best rates. You should seek advice from a qualified advisor.

 

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