Tax advantages for homeowners

What do you gain with the purchase of a second home?

Buying a second home is expensive, so you need to know how to lower the cost by learning how you can reduce your taxes on those homes. You can learn about the various tax deductibles you can take advantage of when buying your home.

Mortgage interest:

If you are using any form of financing to purchase your second home, you are eligible for a tax deduction benefit. Mortgage tax breaks are granted to a buyer residing in their second home. That is the house that serves as a residential home for him. You can claim up to 100% of the mortgage interest as a tax deduction. However, if he rents it, he cannot deduct the mortgage interest from the rental income. But if he uses the house for at least 14-21 days in a year, the house is considered a residential home.

Maintenance cost:

When you limit your personal use of your second home to 14 days, the home is considered a business rental home, you can claim up to $25,000 in maintenance costs. This may be tax exempt. And fix days are not counted for personal use. However, maintaining personal use would mean that you will not be entitled to deduct or lose part of the mortgage interest that does not qualify as rental expenses or personal interest.

If it is for rent or residential:

You may be able to claim the benefits of tax deductions, as well as tax exemption, if your home is rented for only two weeks in a year. Which means the rental income will receive a tax break and the income is yours. However, if the house is rented for more than 14 days in a year and you reside in the apartment for 2-3 weeks, the house will be considered a residential home but you will be able to claim certain tax deductions, although you have to fill out the tax form for that rental income. Allowable tax expense against rental income must not be more than rental income. Otherwise, the loss will be written off that year. And no loss will be carried over. The following are the various rental expenses that are allowable expenses against rental income:

or Mortgage interest

oMaintenance

or Maintenance

or Mortgage insurance

or Utilities

o Property taxes

or insurance

or Depreciation

o Supplies and miscellaneous expenses

In conclusion remember the following:

o If the property is not used, the expenses are deductible from the rent

o If you rent the property less than fourteen days in a year, the rent you receive should not be reported on your tax returns

o If you rent more than 14 days a year, your expenses are prorated against your income.

Prevent car theft with glass etching

Phoenix, Arizona ranks #4 on the Top 10 Car Theft Cities list! (2004 National Insurance Crime Office [NICB])

In 2002, Arizona had the highest rate of auto theft in the United States, with the vast majority occurring in Maricopa and Pima counties. According to the Arizona Auto Theft Authority (AATA), “a vehicle theft occurs every nine minutes and 16 seconds.” This causes an estimated economic loss of $3.7 million to Arizona residents in 2002 alone!

Don’t be another statistic!

Help determine theft by engraving your car glass with traceable numbers. This procedure is highly recommended by the NICB, police departments, and insurance companies for its effectiveness. Although vehicle manufacturers mark some parts, it is not enough. By installing permanently visible VIN and serial numbers on the glass of your vehicle, you can greatly reduce auto theft and aid in recovery.

You can visit your local auto dealer or window tinting/glass repair center; or you can do it yourself with an etching kit found on many different websites. In addition to glass etching, the NICB also recommends other popular visible or audible devices, such as audible alarms, steering column locks and collars, wheel locks, anti-theft decals, and automobile identification markers.

Auto glass etching involves chemically marking the car with its own unique Vehicle Identification Number (VIN) on all windows., including sunroofs and T¬-Tops. The chemical etching process involves the use of a mild acid that reacts only with glass. Recording all glass windows makes vehicles less wanted by car thieves. The actual etching is small and does not mark or deface the window, but it is one of the first details most car thieves see before attempting to steal a vehicle.

Recommended areas to be recorded include the following:

  • Front Windshield – Driver Side Lower Corner Based on Factory VIN Number.
  • Side windows: lower corner, near the lock or door handle.
  • Rear Window – Driver Side at Lower Corner or Toward Lower Middle Edge.

Here are the following steps for the glass etching kit for those handy DIY types:

  1. Clean the area to be engraved with glass cleaner – Remove the blue stencils from the white backing paper and apply to the outside of the window glass in the desired locations. Using your fingertips, gently “tap” the stencil to ensure it is in full contact with the glass, paying particular attention to the area where the VIN number has been cut into the stencil.
  2. Apply a film of etching cream – brush both left and right completely covering all characters.
  3. After having applied the etchant cream for 5 to 7 minutes: Carefully remove and dispose of all stencils in a plastic bag or container. Spray the etched area with plain water or glass cleaner and pat dry with a paper towel. Repeat the process for all windows.
  4. warning decals – Apply inside windows in visible places. Suggested location: Near the front door handles.
  5. Fill out the “Proof of Engraving” certificate of insurance.

However, it is recommended that it be done by a licensed professional. as this process requires a very steady hand and must be done under optimal conditions. Do not etch glass in direct sunlight on very hot days, when the temperature is below 45 degrees Fahrenheit, or in very windy or humid conditions.

Vermilion Cliffs Sand Hills Loop, as bad as you want to be

The land on this “hike” is under the jurisdiction of Vermilion Cliffs National Monument. Do not look or collect here. I see that “Tom” was at the Eastern Sand Hills Crack on New Year’s Day 1932. He left his mark. So it was not a National Park. LEAVE NO TRACE. At first I left “hike” in parentheses. Michael Kelsey calls this area a hiking area. It’s an independent route-finding fight from start to finish here. It’s sick, brutal, twisted, nasty (and rewarding). I love him. You can do it? You’ll know in no time.

Okee Dokee, Michael Kelsey is the only one writing about this hike, so go ahead and buy his book so you know which mile marker on the highway. 89A at the Arizona Strip to detour onto. He now he throws the book in the trunk and reads this.

Kelsey is almost 70 years old and apparently still walks at a rate of seven miles per hour on vertical inclines. Congratulations Michael, I see that you are as dangerous as ever. I bought your new 5th. Edition of “Hiking and Exploration of the Paria River” and the photos are in color! But you’re still dangerous. While kids won’t need inner tubes in this one, they will need a respirator. So not only is this hike as bad as you want it to be, but MK is also as bad as you want it to be. Again, the great thing about this guy is that he goes where no one else goes (and can sometimes get you on the trail, but not on this hike).

Oh I mean I’m almost 60 and this is my second time doing the Eastern to Northern Cracks Loop. I am in excellent condition. It takes me twice as long to do things as Kelsey.

Most 30 year olds can’t keep up with me.

The walk: 6 hours, and we walked almost non-stop, ten minutes for lunch. Route # where you turn north off 89A is #1396. The parking lot at Jacob’s Pool is 2 miles north on this sand road. The Jeep came to within 1/8 mile of Jacob’s, where the last ravine collapsed. Get out of your car! Look north at Vermilion Cliffs. No, not to the northwest on a wide sand slide. There is a narrower sand slide to the north. That’s right, it’s not scalable. That’s the lingo for “you can’t scale”. Now just to the east of this sand slide is a sand HILL. It is scalable. You are aiming for the eastern end of this sand hill. You won’t be able to orient yourself again until you’re on it. We’re going to loop counterclockwise. You will see why. It’s brutality but easier. Michael is full of blah blah, but never mind Rachel Lee’s old brownstone. There are around 50 ancient ruins and they don’t have lockers. So, from Jacob’s walk, the old path to the east along the fence. You are right about it being washed out when you turn north. You are looking for the main spring as he says. cattail! That’s what you’re looking for! There is only one place with many cattails! Now he talks about an “emerging hiking trail.” What does that mean? Emerging from your chest as the “Alien”? I once had an album called “Emerge the Litter.” Does it have something to do with the group “The Litter”? No, he is not cairned as he says. About 6 people a year do this hike and they are all “hard core”. It is likely that none of the 6 will arise here exactly when you are here. We don’t need stinking badges. From the cattail head northeast. The hike is brutal here and it doesn’t get any easier. Go home if you can’t hack sand and ball bearings anymore. Start early in the morning and you will be able to see the northeast for the sun. Eventually, about an hour from where you parked (at Jacob’s), you’ll come to the sand hill. Remember you want the east end. There’s an intermittent trail here and there on the sand hill and maybe a cairn somewhere. At 1 1/4 hours the trail you should be on crosses a wash on a huge black rock to the right. Now in a few minutes the trace disappears. Look, this is a hard core independent expedition. The correct way may be to go up the washing “stairs”, but we opted to go up because we were going to have to go up.

If you want to follow me, take the clay-facing alluvial fan to the left. Do you want to go home now? The “Eastern Rift” is now obvious to the northeast and also points in that direction. Directly for me. You are on the right path if you see the lizard petroglyph climbing up the wall to your left. This was at 1 hour 50 minutes. Michael counts 6-7 panels of petroglyphs. There is more than that. The second panel (also 2 hours left) is 6 cute Bighorns. At 2 1/4 hours you will see what looks like dam (lots of dead juniper as well) as you continue up. You can do it. I am 60 years old. This dam-like thing is what Kelsey calls a “constructed cattle drive.” Go up the wall and turn left on the trail for about 5 feet where it ends. Now straight up again to the top (lots more cool pets). 2 1/2 hours to the top. Of course, Kelsey gets in and goes back to her car so fast. What BS for most mortals! Still, leave a large cairn on the edge as you exit (again that word) the rift, in case you get lost and have to go back down.

Whats Next? Stay west along the edge. What is known as walking the flat, easy edge in “Paria River Hiking and Exploration” is anything but. I’m no Jack Kennedy, but I’m pretty sure I can easily walk over the edge. This rim walk is through loose sand, over and under rock formations, through dark paths, blah blah. Anyway, get to an unused two track track (Bingo, MK is right at this landmark) in 1 to 1 1/2 hours from Eastern Crack. It took us 1 1/4 with our 10 minute lunch. In the two-way look over the edge to the west. That is where you will descend. Let me explain something to you. Walking would have been easier about 1/4 mile inland from the rim, but we wanted to keep facing our and Jacob’s Jeep because we have learned NOT TO TRUST MICHAEL KELSEY. If you haven’t reached both tracks in 1 1/2 hours, head back to your huge cairn and ride down Eastern Crack.

Follow the trail away from the edge (north) for 5-10 minutes. When you turn directly north away from the edge, you are turning directly south. It’s a bit disorienting when you reach the drop down. The standard three-legged trapezoidal petroglyph tells you that you are in the right place. I will now begrudgingly give credit to the AUTHOR. He correctly marks the Northern Crack rock art, which will keep you from thinking you’re lost. The drive to Northern Crack took us 1 1/2 hours! You’ll get for-off “cliff” 3 or 4 times, but you’ll manage. The Ancients did it, I did it and you will. Security every time is left. You’ll make it because you don’t want to go up Northern Crack again, I’m thinking. I never said “nasty” as often as when going down this slide, but you’ll still understand that counter-clockwise was the right choice for this hike. Loose, dangerous and demanding. Don’t lose focus here whether you’re tired or not. Focus on work.

We finally landed at the bottom. Each hiker had a gallon of water to start. He should have gone. Now the first break in the entire hike occurs after 5 1/2 hours. Walk south on the relaxing flat wash. Upon reaching a fence line, exit the wash to the left. Go through a hole in the fence and walk cross country to your vehicle. 1/2 hour after arriving at the wash at the bottom of Northern Crack, he is drinking ice cold water in his vehicle.

MK did this loop in less than 4 hours. Give me a break. I have been a fan of hiking for 20 years. The guy is crazy… and he writes hiking books. Maybe I’m in awe of the way he knocks me down. I’ll turn a corner. No, he’s crazy.

Oh, never attempt a hike that Kelsey says took her 7 hours. You have been warned. DON’T BLAME HIM, HE IS JUST “THE AUTHOR”.

The 7 C’s of Business Writing

Are you going through difficult times in business writing? For some reasons, you just don’t have to. There is always a solution for every problem and from you, you can look for simple ways to help you in your writing tasks.

If you’ve been looking for simple guidelines that you can follow in business writing, you may want to consider the “7 C’s.” While they are quick to understand and easy to remember, following them is guaranteed to improve the quality of your business documents.

  1. Clarity. Good business writing is clear. It has a definite message, with no confusion about what each sentence is trying to communicate.
  2. accuracy. It has correct grammar (courtesy of a business English software) and accurate data, successfully communicating its message because all errors, whether mechanical or factual, have been sufficiently addressed.
  3. Conciseness. Properly written business documents are concise and express ideas with the right words. There is no unnecessary tediousness or beating around the bush.
  4. Conversational. Good business writing sounds like real business conversation. There is no difficult language to process or unnecessary ambiguity.
  5. Convincing. Use a serious tone to paint a believable and convincing picture, whether you’re persuading a potential client or presenting a report.
  6. Cuts. Good business writing has people in mind, so it’s not callous or insensitive. An air of courtesy prevails towards all who address themselves, regardless of how high or low their position titles may be.
  7. Complete. A good business document should be complete and contain all the information recipients will need to understand it effectively.

Indian wedding: immerse yourself in the style of royalty

Marriage, the once-in-a-lifetime event, should be celebrated royally, and when it comes to royalty, Rajasthan is the first choice for Indians to exchange wedding vows. The land overflowing with princely elegance is rich in customs and tasty in gastronomic varieties. The splendor of the land lies in its hospitality, value and above all its cultural heritage demonstrated through fortresses and palaces. And this attracts the Indians to make Rajasthan a witness to their great marriage functions. Some of the popular wedding destinations in Rajasthan include Jaipur, Jaisalmer, and Jodhpur among many others.

Only two people are interested in marriage: the bride and the groom; others are more interested in satiating their taste buds. The perfect kitchen keeps people excited throughout the event. The Rajasthan desert is rich in desserts. Most of the foods are dominated by pure ghee. And what comes first in Rajasthani dishes, Dal Baati, is eaten after being dipped in ghee. Another similar dish is lapsi, which is made with cracked wheat sautéed in ghee and sweetened with brown sugar or sugar. The medieval style feast with traditional varieties still dominates the menu in Rajasthan.

The artistic decoration with a touch of royalty will definitely dazzle your guests. Everything from the entrance to the wedding setting should flaunt elegance and regal grandeur. The red color adds aesthetic richness to the event. From the carpet to the curtains, everything should be dyed red. And the wedding throne, on which the bride and groom will sit, should be conspicuous and striking.

A traditional Indian marriage signifies a magnificent display of culture, traditions and customs associated with the caste and community. But today’s wedding planners can create an environment where you want to get married; just select your theme and the event management people will give the occasion a relevant look and feel. If the wedding is organized with a royal theme, the grooms are normally dressed in the traditional Indian Sherwani and the brides in the sumptuous Chaniya-Choli or Saree. Brides prefer their Chaniya-choli and Saree either embroidered or designed by skilled artisans or designers.

flirting with the fat lady

Flirting is fun. Flirting is arousing an emotion at a level of interest. We can flirt with skiing, windsurfing, running a marathon, or the girl next door. Flirting is testing the waters before jumping in. Now if you find yourself in a situation where you need to lose some fat or just move while you walk, you need to get over the flirting and commit.

There is a way, a sensible way to be the healthy, slim, fit person that everyone will want to flirt with. The focus of this new commitment is tailoring a program to what you can and will do to make a difference in your appearance. There are diet and exercise combinations that will really put a smile on your face and give you the confidence to know that “I can do that.”

What better way to get going than to leave the fat behind knowing that you have chosen a diet and exercise that you will commit to, even enjoy and look forward to your daily sessions. When you’re satisfied with your choices, time flies, and before you know it, you’re succeeding where, in all likelihood, you failed miserably before. Who’s going to stick with the impossible weight training, running and gym exercises that you just can’t do when you’re offered alternative fat control exercises that you love and will do? There’s the answer. Will serve.

Find the program committed to making you the successful fat loss person you know you want to be and in no time you’ll be flirting with sharing your secret to looking great with everyone you know. Stop flirting with us and come meet the professionals who will get you on the right track. Made to size. Fantastic.

Best Price Home Insurance Information: Factors to Consider When Deciding on the Ideal Coverage

Identifying affordable home insurance that offers a lot of value at a reasonable price is not an easy process. Still, you can reduce some of the difficulty by looking up citations and knowing how to compare them correctly. It is never a good idea to rush into things. Don’t just sign up for the insurance plan with the cheapest premiums. First, take the time to determine how much coverage you’ll get with each plan. The best-priced homeowners insurance for you will be the one that gives you exactly the type of coverage you need at a price you can afford. Also, you’ll want to consider how much money it will cost you to rebuild your home in the worst case scenario, NOT how much its market value is currently worth.

The whole point of having home/property insurance is to take care of you through the tough times, whether your house really burns down, a burglar breaks in and steals your jewelry, or a flood ruins your yard and basement. . Do not think that anything like these scenarios are possible. There is ALWAYS the possibility that something really bad could go wrong. Your house can be fine one night and nothing but ashes the next morning.

Speaking of fire, the best price homeowners insurance will include discounts for things like having smoke detectors and sprinklers installed in the home. Plus, if you live in an older home and want to rebuild the roof with superior weather-resistant materials, you could save money in the long run. In areas vulnerable to crime and theft, you can get a discount by installing security features like locks and shatterproof windows.

Errors with home insurance with the best price

Don’t make the mistake of being underinsured just to save some money every month. Your coverage limits will not automatically adjust as the market price of your property rises or falls.

On the other hand, the best-priced homeowners insurance for you also won’t include the things you DON’T need. This means that you don’t want to make the mistake of over-insure. You’ll want to carefully review all options and quotes to determine which offer covers what you need, but nothing else.

What about the contents? Certain things, like furniture, are standard on insurance policies, but expensive jewelry, furs, artwork, or silverware may be subject to coverage limits, which means a special endorsement will be required to cover your full value.

Opt for Lemonade Insurance Company to get homeowners insurance at the best price. With features like a unique reimbursement system, a “run-all” flat fee, and lightning-fast claims processing, you really can’t go wrong.

The Legend of Tommy Jo Sanchez, By: Billie Bierer – Book Review

Westerns are a study in archetypes that are almost entirely unique to American civilization. Walkers on horseback with Stetson hats and weapons gleaming at their sides, these Nameless Men sweep like errant knights, protecting cities from both villains and encroaching civilization.

In “The Legend of Tommy Jo Sanchez,” our hero is not John Wayne, Clint Eastwood, or any of the countless other characters to be found in the Louis L’Amour canon. TJ Sanchez is a woman, as passionate as her male counterparts are fierce. However, TJ does exactly what these men do: she stands as a symbol representing the spirit of the Old West.

Refusing to follow in her mother’s footsteps and become a prostitute, TJ steals a horse and sets off for historic Tombstone, AZ, determined to build her future. It’s a harsh desert, one that’s profoundly inhospitable, even to men, but despite the wild Apache, those who seek her out for revenge, and her own fiery temper, TJ finds a tough family of sorts among the leathery cowboys, players. and prostitutes. She conjures up a plan that will allow him to live life on her own terms, according to her own code of honor. A talented poker dealer, TJ, with the help of Doc Holliday and Wyatt Earp, organizes a high-stakes poker game to lure some high-rollers to his table, hoping to win enough to buy his salon, so she can secure her own future. and take care of the girls who work there too.

This independent sense of justice is not a foreign theme in the Western genre. Individual law, whether maintained solely for personal gain or altruistic reasons, is the hallmark of a wild age, before the spread of progress swept across the barren lands, bringing with it impersonal morality and enforced order. These “knightly” figures are either respected or feared. They live by their own wits and on their own terms. Within them lie the perplexities that is the Old West: noble integrity and unwavering cruelty. TJ Sanchez is all of these things, and he must be to survive. She demands uncompromising respect, even from men who seek to woo her. Fortunately, TJ has her share of flaws in her, otherwise she would be intolerable and unlikable as a character. Her erratic temper, her hard head, her stubbornness and her tendency to run away whenever there’s a problem make her absolutely infuriating, but give her layers you can relate to.

One more notable aspect of “The Legend of Tommy Jo Sanchez” is that the villain of the play is also a woman. As similar to TJ as night is to day, the well-to-do and elegantly dressed player from Louisiana finds herself drawn to TJ Sanchez’s high-stakes game, and quickly proves that while she’s equal to TJ in strength of character, she’s far more ruthless. and willing to go to any length without her rival plumbing her to get what she wants. Just as TJ Sanchez stands out among his peers as a spirit of the Old West, Fannie is a prime example of the encroachment of progression across the dusty plain. She is more aggressive, more political in her double game. She’s too bright and too new for Tombstone, AZ. She arrives, however, and tries to steal those things that most explicitly typify the Old West.

“The Legend of Tommy Jo Sanchez” creates compelling, genuine and genre-worthy characters. They rub shoulders with the likes of Doc Holliday, Wyatt Earp, and Clara Barton, in Tombstone, AZ, which gives it a sense of history. It’s clear the author enjoyed doing her research, and the details bring the story to life. By way of criticism, the book could benefit from the editor’s eye for grammatical, punctuation, and spelling errors. Still, “The Legend of Tommy Jo Sanchez” is an exciting read in a genre that gets little attention these days. It offers something to satisfy without following all the usual tropes, and because of that, it’s truly unique.

Phoenix Real Estate Market – How Healthy Is It?

Recent reports show that nationwide, home prices have fallen for the third consecutive quarter. Interestingly, here in Arizona we were reporting less sales, but sales prices were actually increasing. What does this all mean? Well, let’s not forget that anyone can extract a set of statistics and interpret them to suit her own purposes. In this case, nothing bad happens, but we need to analyze the statistics carefully. What is happening in the greater Phoenix area is that even though the number of homes sold has decreased, the ones that have sold are at the higher end of the price range. This reflects a couple of interesting points in the Arizona real estate market. First, the fact that the most expensive homes are still selling reveals a larger fact of life: the wealthiest among us aren’t affected as much as the less financially fortunate by the overall economy or the ups and downs of a picky real estate market. Second, people in entry-level homes who want to trade in for something bigger or better (and this is a great time to do so) are experiencing a lot of difficulty selling their current homes due to unrealistic pricing and an overabundance. Inventory The pricing problem is one I run into all the time. Otherwise, smart people can’t seem to comprehend that the “investor” fueled madness of two years ago is over. I point to recent comparable sales and the answer is universal. Those people simply “dumped” the property at below market prices. The old “grassy knoll” conspiracy trick!

The overall economy is generally healthy. In the Pacific Northwest, prices were flat or slightly down due to excellent job growth. Here in Arizona, the economy has to catch up to help divert excess inventory. That can take time. In addition, banks are tightening credit parameters; make loans, particularly “low” or “non-qualified” loans, much more difficult to obtain. Lenders are now seeing a rise in foreclosures, Arizona ranks seventh in the nation, as their previously lax requirements are coming back to haunt them.

Lenders are also beginning to process “short payments.” This is a situation in which a bank will forgive a portion of the debt secured by a home to allow it to be sold. Traditionally, in a foreclosure, a bank would receive, after expenses, about 70-75% of the proceeds from the sale, while a short payment could be as much as 90% of the proceeds. Consult your real estate agent or accountant for more details on both procedures.

Not everything is gloom and doom. There will not be any catastrophic decline in house prices, as we saw in the 1990s, due to the underlying strength of the economy. Some of the huge increases pushed by “investors” will inevitably be paid back. The market will remain strong, however, but it will take a year or more to get rid of so-called investors, foreclosures, and for inventory levels to return to normal.

Look on the bright side, at least the weather is great!

Strippers Arrested in Phoenix-Area Real Estate Scam

Well, there’s a headline I never thought I’d write. But it’s not what you think. As a real estate agent, some of the worst houses we sometimes see are owned by banks. In other words, foreclosures. It never ceases to amaze me that some people, certainly a minority, think it’s okay to trash the home they’re losing. It’s common to see a home where light fixtures and light switch covers are missing. To the extent that the homeowner has accessorized their home with better accessories, that’s understandable. However, many people go to the extreme of breaking what they cannot easily remove.

Bathtubs, showers and toilets, for example. This is not only incredibly immature, but it is also a criminal offense. Yet too often, banks refuse to file charges on the grounds that a person who lost their home to foreclosure is highly unlikely to be able to pay court-ordered restitution. Banks also try to avoid the adverse publicity that would result from prosecution. I have often remarked that if these owners had been as diligent in their regular work as they were in destroying their house, they might well have kept both. Let’s go back to the headline.

It seems the FBI has a mortgage task force that has been going after people who have always been dismantling houses to sell fixtures and fittings. Again, they mainly target investors and speculators who have bought multiple homes, probably to avoid a public backlash should they go after people who can’t keep up with their payments. Make no mistake though, vandalizing property is a crime, whoever commits it, and it hurts everyone by further depressing home prices.

The FBI recently arrested a genius in Anthem, Arizona, who was even advertising granite countertops on craigslist.org, one of which he was unfortunate enough to offer to an undercover agent, shortly before the bracelets began. oops!

In these sad times of diminishing personal responsibility, too many people seek to blame their own bad decisions. Then throwing away the property you shouldn’t have bought in the first place shows a mind-numbing level of immaturity. The fact that some of these people are also parents does not bode well for the future.