Wednesday, May 23, 2012

Business Electricity and How to Save Money on It

Business electricity is a thing that you cannot avoid to pay as a businessman. The needs of electricity in a business will of course be different with the ones needed by another business. The more electronics you use, it is sure that the higher the payment you have to pay for the electricity. The question here is, is there any possibility for you to save money in paying the electricity for your business?

Instant Online Quotes to Get Best Prices for Business Electricity

The answer of the question stated previously is of course yes. There are some ways that you are able to do to be able to cut the electricity bill that you usually paid for your business. One of the best ways is by getting some online quotes of business electricity prices offered by some electricity companies in the country you are living. This kind of business electricity quotes can be obtained online. This kind of quotes is available in two different versions, the paid ones and the free ones. If you want to be more economical, the free ones are of course more recommended.

Getting instant quotes is more suggested for you to do because they can be obtained faster. In other words, it also means that you will be able to cut the business electricity bill sooner by choosing the most affordable service of electricity.

Why Should You Cut Your Business Electricity Bill?

The price of electricity is different from one country to another. For example, Texas business electricity will of course be different with the ones in other countries. Therefore, it can be said that the every businessman has different amount of electricity bill to pay in every year. If you ask about why you should try to cut the electricity bill, the answer is of course to be avoided from the situation where business electricity bill is too much burdensome for the business that you are running that it gets the possibility to get bankruptcy. Please visit Best Electricity Prices for more information.

Monday, April 2, 2012

Alternative Tax Deferral in Real Estate Transactions

The real estate market in the State of Florida has seen unprecedented growth over that last ten years. Many real estate professionals are selling homes that have dramatically increased in value. This growth has led to new problems for sellers.

Many sellers have a capital gain that exceeds their allowable tax free capital gain
on primary residences or are faced with huge capital gain liabilities on second properties. There are several deferral mechanisms that all real estate professionals should have in their toolbox. Some of the most commonly used tax deferral mechanisms are, 1031 Exchanges, TIC's and Private Annuity Trusts. These three devices allow clients to dispose of property without triggering a taxable event. Each of these devices has its inherent benefits and drawbacks, but another method has seen a recent spike in achieving this goal is the Structured Sale.

The insurance industry has created a product using IRC Section 453, to allow clients to sell highly appreciated assets in the form of an installment sale. The seller of property has an unlimited source of capital gain deferral. The structured sale is built on the chasis of the conservative structured settlement product used in legal settlements. The structured sale is typically underwritten by companies with A+ ratings or higher. This product completely eliminates any risk associated with the real estate market.

The basic process is the buyer and seller settle on a sale price. The seller works with a structured sale planner to set a periodic payment schedule that meets their future and short term needs. At closing, the buyer pays the full amount with the amount being deferred distributed directly to a third party. The third party uses the funds to purchase an annuity that will pay the periodic payment. By following this process the seller is able to defer all or a portion of the capital gains on the property. The seller has disposed of the real estate and moved their assets into a guaranteed investment vehicle. Unlike a typical installment sale, the seller no longer has the added concern of the buyer's creditworthiness to make the periodic payment stream.

Example 1: John and Jane Beach, both age 55

John and Jane bought an ocean front condo in 1979 for $195,000. The condo has always been the second home for the Beach's. The Beach's have negotiated the sale of the property for $950,000. The Beach's recently sold their primary residence and were able to realize the full $500,000 capital gain exception.

Their current income needs are fixed and they would like to sell the condo but not pay the taxes. The Beach's, with the help of their real estate agent and structured sale planner, have decided to use the structured sale product. They have paid the mortgage off and have no loans against the property. The following will take place at closing.

The Beach's will receive $195,000 at closing. This represents their basis in the property. The remaining capital gain of $755,000 will be placed into the structured sale.

The Beach's have set up a periodic monthly payment of $4,000 for 120 months. On the 121 month the remainder of the funds will be distributed in a lump sum of $520,800. Each installment payment received by the seller may consist of any or all of the following, non-taxable recovery of basis, taxable gain and/or interest.

The Beach's were able to sell the property at it's highest value and defer the capital gains taxes. They set up a payment stream to cover their fixed costs for the next ten years. They no longer have the hassle of the second home and have eliminated the high costs of maintaining the property.

Sunday, April 1, 2012

Mostly about food

First of all, I need to update you on my first web design job. My friend Denise has been a part of my life since our senior year in high school. We lost touch for almost 20 years while she was getting married and having babies and I was not. But she found me on Whidbey and we have been talking hard to fill in that 20 years plus the 20 we've been reconnected and, hopefully, 20 more. She has finally become the writer that she was meant to become and I got to showcase it in a website.

I'm going to be showing you more of what I've been working on soon. It's getting really exciting around.

Now onto food:
I've been making a lot of changes in the past three weeks. The exercise is ongoing, although reined in a bit because I did end up taking it a bit too fast. I was surprised that the injury (mild) happened, because I am usually overly cautious about taking on something new too strenuously. I am very happy with how the mild exercise for 10-20 minutes an hour after I eat has been lowering my glucose readings two hours after a meal. And I've gotten great information here (this is a very deep and well researched site) and here (worth looking at because of the blog banner heading it all -- oh, and for the content).

I was surprised the most by the realization that we weren't eating enough vegetables. We eat a lot of vegetables, but not 10-12 1/2-cup servings daily.* So. How to get in more vegetables? I started at breakfast. We eat a lot of eggs, 2 each 3-4 mornings a week. I have begun making frittata (this one with spinach, zucchini, and peppers. I do use cheese, but use a small amount of sharp cheese -- goat feta and sheep romano here -- for flavor rather than lots of easily melting, gooey, milder cheese for the orgasm of cheesieness).

Another breakfast option is a version of piperade. I saute a lot of onions, red and green peppers, garlic, and tomatoes with a lot of herbs and hot chilies and serve it on top of over-easy eggs.

Another change I've made is that rather than make the stir-fries of a small amount of meat and a large number of vegetables and serve it over rice or pasta, I now serve it over vegetable. For instance, I had a saute of chicken (one thigh between the two of us), peppers, onions, broccoli, and mushrooms and served it over grilled portobellos. And a large green salad besides.

And lastly, I'm learning that fruit for afters is very satisfying. OMG! WHO'D A THOUGHT IT! Yes, it turns out that They were right all along. I do have my medicinal chocolate now and again, but right now as the berries and soft fruits are coming into season -- and I'm trying to keep my fruits and vegetable consumption seasonal -- is a great time to ease into this habit.

*Paleolithic diet contained about 10-12 portions of produce per day, with a portion being around a half cup.