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How to Reduce Taxes From Your Investments By Alfred Chai Wei Liang Expert Author Alfred Chai Wei Liang Do you know you can reduce taxes through investing? Do you also know that interest, dividends and profits from the investments are taxed? If you consider yourself heavily taxed every year, then you will definitely benefit from tax-free investments. What exactly are tax-free investments? These are investments that are free from tax! This includes "escaping" from federal, state or both tax types. In general, tax-free investments will not be as profitable as compared to the taxable investments. But this difference is not big enough to outweigh the benefit of reduced taxes (from tax-free investments). Therefore, it will be smarter to invest in things that are not taxed, although the investment does not yield higher returns. Think of tax-free assets as a better solution to bank savings accounts. Did you know that interest is also taxable? Similarly, bonds that are free from tax are meant for longer-term investments that pay tax-free interest. Therefore, compared to bank certificates of deposit, Treasury bills and bonds (investments that are taxable), tax-free bonds are better. The mistake of looking for investments (that are more taxable) How do people decide on a particular investment? They often do so by looking at the rate of returns in the past. Although it makes sense, it does not guarantee future earnings. You should not get tempted at all by these high returns (if there are any). In fact, look first for the tax consequences. Consider the costs of taxes first. Only then, you will see through the real profit. Take the example of two popular funds. One offers a 10% rate of return per year while another is 15%. Logically, most people choose the latter as the 15% rate of return is higher. But have you considered the tax costs? These costs alone can be high, making the 5% difference not significant at all. Sometimes, when you take the time to do your calculation, you will find that the fund with 10% rate produces higher profit in the long run. The moral of the story is to choose investments on both factors; rate of return and tax costs. The real estate benefit You can have deductions due to mortgage interest and property taxes. You can also depreciate rental property to reduce your taxable income. What is depreciation? It is a special type of tax deduction. It is only permitted for gradual wear and tear on rental real estate. In the long run, when you decide to sell off your real estate property, you can choose to conduct a tax-free exchange into a replacement rental property. Personal finance is important, but you might want to know more on something else, table pads. Find FREE reviews and deals on dining table pads and find out why plastic table cloth prolongs your table life. Article Source: http://EzineArticles.com/?expert=Alfred_Chai_Wei_LiangTax and Investment Property By Michael A Drew Expert Author Michael A Drew When we say tax and investment property we are essentially talking about taxation and its implications of investment properties. We are talking about the effect tax has on the buying and selling of investment property. Of course, there are several rules and regulations that govern these taxes. There are different taxes which one has to pay when buying or selling property. Given below are some of the taxes. Let us try and understand them in brief. a) Property Transfer tax: Almost all the major states in the United States levy property transfer tax which is between 1% to 5% of the total assessed value of your property. b) Stamp Duty Tax: This is a tax that you pay when you obtain a mortgage for purchasing a property. This tax comprises of document stamps which is calculated as per your total loan amount. Stamp Duty tax varies from state to state. For instance in a state like Florida, this tax is calculated at 35 cents per every $100 of loan. Apart from this an investor also has to pay an Intangible tax which is calculated at 0.002% of the mortgage amount. c) Real Estate Taxes: This is a kind of local tax that is charged by State as well as local authorities. This is charged as an annual tax and is based on the assessed value of your property. Normally, the charges are taxed uniformly on all properties belonging to a tax jurisdiction. Essentially, this tax is meant for providing welfare services for the public. d) Delinquent Tax: This is a tax imposed on unpaid taxes pertaining to the seller for previous tax years. As an investor, if you have agreed to pay the delinquent tax, such tax will become a part of your cost of purchase of the property and hence cannot be deducted. e) Tax on Income from Rents: Rental Income in the United States is taxable and attracts normal income tax rates. Generally, a withholding tax of 30% is applicable on all rental income and is to be paid locally. If you want to reduce your tax on rental income, make sure that you consider various allowances like mortgage relief, etc before paying any tax. f) Inheritance tax: this is a tax you pay when you receive a property as an inheritance. When you are buying an investment property, it makes sense to find out what your tax liability will be when you inherit a property. This is because both State and Federal taxes are applicable on your inherited property. g) Capital Gains Tax: Capital Gains are essentially profits earned on stocks, mutual funds, bonds, real estate, etc. It is the difference between the purchase price of the investment property and its selling price. When you make a profit, it is a capital gain and if you make a loss it is capital loss. Capital gains tax varies from state to state. If the property is owned for than a year then you may end up paying a tax ranging between eight to fifteen percent. Let us see how capital gains tax works when you sell an investment property. For instance, if you have sold your main residence then you are exempt from paying any capital gains tax and you can straight away exclude any profit from your income. Under capital gains tax, an individual is exempt up to $250,000 profits if you have sold your main residence. This amount goes up to $500,000 if you are a married. Finally, tax and investment property have a lot of significance and it pays to know what the tax liability is before making an investment. For more great real estate investing tips come visit, RealEstateDone4U.com. Consider us as your guide in turn key, tax free, Indianapolis real estate investing. Article Source: http://EzineArticles.com/?expert=Michael_A_Drewhere The Real Estate Deals Are At In 2012 By Duane Ortega Expert Author Duane Ortega Ready to hunt down the best real estate deals in 2012 and take your house flipping volume to a whole new level? Finding and making the best real estate deals happen and lots of them is about more than just location. It also requires knowing what type of deals to look for and how to lineup buyers to flip them too. Sourcing Discounted Properties Many investors have leaned on REOs to fuel their real estate flipping businesses in the past few years while others may have even gotten away with flipping houses from the vast MLS. However, these are resources which are set to dry up quickly for most investors in the New Year. Why? For those who haven't been paying attention to smaller real estate industry news items, quite a number of brokerages are now pulling properties from national listing services and sites. They don't want others using them to build their own marketing and revenues. Massive numbers of REOs been taken on by major banks, FHA, Fannie Mae and Freddie Mac are all being pegged for sale exclusively to bulk REO buyers. If you have or can raise the millions to take down these package deals then go for it. However, most don't have resources that vast, meaning the tastiest REOs deals going to someone with deeper pockets. So where should you be looking? You can still get access to great discounts on REOs, you will just have to go through whoever is buying them in bulk. Of course pre-foreclosures still hold fantastic bargains and often more flexibility, you are just going to have to find them earlier. Before they get listed by agents and ahead of lenders who are moving to foreclose even faster. Locations Some of the hot locations for real estate investing that we have seen emerging in 2011 that will likely continue to perform well in 2012 include South Florida, Silicon Valley and parts of Texas. Others which will be revealed by the National Association of Realtors revision of figures not to have been performing as well as thought may see buyers becoming more reluctant. Look for areas where lenders are most confident about selling their own REOs directly and where builders are showing the most confidence by building new projects. Buyers In order to turn your found nuggets in to gold you are going to need buyers to flip them to. This is a matter of finding those who still have good credit or who have plenty of cash. Identify who these potential buyers are, expand your buyer databases and cultivate your leads into raving fans who will actively refer others to you. Duane Ortega has been enabling real estate investors to increase their volume and make real profits from real estate in both good times and bad over the last 10 years with no hassle transactional funding through http://www.BestTransactionFunding.com. Article Source: http://EzineArticles.com/?expert=Duane_OrtegaWhat Is a Buy To Let Mortgage? By Philip Loughran Expert Author Philip Loughran Buy To Let is a way to invest money in property without living there yourself. The property is bought, usually with a mortgage, and then rented out to tenants. Buy To Let should provide a modest monthly income while also serving as a long term investment as house prices eventually, and inevitably increase. In the past it was hard to get a mortgage for Buy To Let property as the laws surrounding rented property were a little vague and landlords had less rights than today. On this basis mortgage lenders were less willing to provide mortgage advice or mortgages for properties being bought purely to rent out. Assured Shorthold Tenancies, or ASTs, were introduced into the Housing Act in 1988 which gave landlords more rights and making the 'playing field' more level for landlords and tenants in theory. Since then mortgage companies are more willing to arrange Buy To Let mortgages. The availability of mortgages and increased control made the market more attractive, and the number of private landlords increased dramatically. The letting market is still buoyant despite the economic downturn in the UK. Mortgage rates are staying especially low to assist recovery, and a large number of potential house buyers and home owners are choosing to rent instead as mortgage companies ask for larger deposits, or simply cannot offer a mortgage. Buy To Let mortgages are not calculated in the same way as residential mortgages. When calculating a mortgage for Buy To Let property the mortgage lender will calculate the RTI, or Rent To Interest cover. The mortgage applicant must be able to prove that they can obtain a rental income large enough to cover the mortgage interest costs to varying degrees. How much RTI is required varies from lender to lender. It may be as little as 100% or as much as 130% of the monthly interest charge. Buy To Let is still a popular way to invest money in the UK, as some see banks and building societies as unstable and more risky than in the past, and interest rates stay low. The increase in want-to-be home-owners who cannot currently get their own mortgage has created higher demand for rental property and the market has stayed relatively buoyant despite the economic crisis of recent times. If you are thinking of purchasing property with a Buy To Let mortgage there are a number of factors to consider. Renting a property out to tenants is not like running a home, it is like running a business. There are a number of legal and tax responsibilities you must uphold, and regulations the property must be kept to. On the upside, many maintenance costs are tax deductible. Buy To Let properties and mortgages should be seen as a long term investment. They are not likely to turn a 'quick buck' but will should offer a small profit from rental income, while providing capital gain when property prices have increased sufficiently for the landlord to sell at profit. Property may be seized if repayments are not upheld. This page is for information only. The responsibility for purchasing a buy-to-let property rests with the investor. Philip Loughran writes on a number of subjects from travel to law, automotive to education. For Buy to Let mortgages and independent mortgage advice he recommends Choice Financial Solutions. Article Source: http://EzineArticles.com/?expert=Philip_LoughranOnline Cash Loans Provide a Fast Solution to Cash Emergencies By Mark Venite The reality of the modern world is that, quite suddenly, significant expenses can arise that need to be paid as close to immediately as possible. Whatever the reason, online cash loans provide a perfect solution to the problem of accessing cash at very short notice. The rise of online lenders means that there is considerable competition between lenders, and as such the interest rates and terms can be very good. What is more, the speed with which approval on cash loans from online lenders is given is extremely fast. This is, of course, the key advantage that every applicant identifies in such circumstances. Another key advantage is that even with a very bad credit history these loans can be secured. This is because, in offering no credit check loans, online lenders attract a very large number of applicants who would otherwise be rejected by traditional lenders, like banks and other financial institutions. Definition of These Online Loans It can be somewhat confusing to think that online cash loans can be so easy to secure, especially when it is defined as an unsecured loan. Many lenders tend to turn down unsecured loan applications, especially those from people with poor credit scores. However, online lenders have a more liberal view of the application criteria, and given that proof of sufficient income is provided, cash loans from online lenders are almost certain. Once proof of a regular income is given, and so long as the legal requirements - like age and legal residency of the US - are met, the only thing remaining is a bank account. Once a direct payment is organized with the bank, then the chances of repayment being missed is greatly reduced. This is often the final box to be ticked, before the funds are transferred into the bank account, and is a reason why it is possible to get no credit check loans online. Terms and Conditions to Look Out For Of course, nothing is available for free and there are some terms and conditions that every applicant for a online cash loan should watch out for. These loans are very much short-term, lasting only between two weeks and one month. As such, the loan amounts are always small, ranging between $100 and $1,500, with the upcoming pay check the method of repayment. For this reason, there is a need when securing cash loans from online lenders to ensure that there is sufficient spare income to cover the repayment of the loan principal and interest. There is sometimes an option to extend the loan period, by perhaps as long as an extra 15 days, but this will usually require an extra fee. Also realize that the extended term will increase the amount of interest to be paid too, so even with the convenience of a no credit check loan, online lenders will make a handsome profit. Main Advantages In truth, these online cash loans come at very high interest rates but given the shortness of the loan term, the actual amount of interest paid is very low. For example, a $1,000 loan may be repaid a month later for $1,150, a high rate of 15% but a relatively small interest sum of $150. Repaying the full amount can drain a pay check, but in the case of cash emergencies, cash loans from online lenders is a highly effective means to an end. The reason is the number one advantage - speed. As a no credit check loan, online lenders do not use up time checking the credit history, so within a few hours the cash can be deposited in the bank account. So, online cash loans can provide the fastest solution possible. Mark Venite is the author of this article and a successful financial advisor with 20 years of experience. He helps people to get approved for Bad Credit Personal Loan and Student Loans with Bad Credit. For more information about his services please visit him at AccessMyLoan.com Article Source: http://EzineArticles.com/?expert=Mark_VeniteGetting Out of Trouble With a Payday Advance By Andrina Wilson Payday loans are becoming more and more popular. That is because many people have seen their wages cut due to the economic turmoil that the country is experiencing. As a result, more people need to get a payday advance to deal with unexpected expenses such as car repairs. If situations like this, a payday advance can help you to retain your credit rating. After all, a late payment or incurring a charge because you have missed a direct debit can damage your credit score. Using a payday loan advance to cover these costs before you are charged will help you retain your credit score. As long as you repay your loan in time, it will not affect your credit rating. Also, a late payment fee can often be more expensive than any interest you will be charged on a loan. So a payday advance can save you money. If you borrow £100 for a month with many payday lenders, you will pay around £25 in interest. A late payment fee from a creditor or a missed fee from the bank will often be more than this. Getting a payday loan advance can help you retain your credit rating and save you money. If you can afford the repayments, there is really no downside. Of course, you should never borrow more than you need when you take a payday advance. If you do, then the next month will be a struggle to make your wages stretch. At worst, you may need to take out another payday loan. As long as you borrow responsibly, a payday advance can be a real help. You should only borrow what you need and what you can afford to repay. You should also ensure that you meet the restrictions that are attached to the loan. To apply for a payday advance, you must be employed, aged at least 18 years old, be resident in the UK and hold a UK bank account. You can then begin the application process. With most payday advances there are no hidden fees, so you know exactly what the repayments will be. You can also complete the application online. On the rare occasions other paperwork is needed, you can scan this in and email it. Once your application has been approved, you can expect the loan to be paid into your account within 24 to 48 hours. Some payday advances can be paid within an hour. However, there are often application fees and other charges connected to these loans. You may also have to pay a higher rate of interest. If you can afford the charges, and need the money immediately, this type of loan may be appropriate. However, a more conventional payday advance, that does not have these charges attached, is the wiser choice. This can help you retain your credit rating and, by avoiding late payment fees, can help you save money. If you are in financial trouble, a payday advance can be a great help. Quick Payday Loans with MyPayDay. We help you find same day loans and payday advance up to £1200. Apply online for a payday advance. Put money in your bank today. Article Source: http://EzineArticles.com/?expert=Andrina_WilsonHow to Budget Travel Regardless of Your Destination By Phillip Paoletta Expert Author Phillip Paoletta Many travelers assume that certain destinations are off limits because of their high costs. Whether it's the price of accommodation or dining out, some places certainly have a deserved reputation for being expensive. That said, there are a number of strategies you can take to enjoy a costly destination without breaking the bank. Try a home-stay or housesitting Accommodation is often the most expensive item in a traveler's budget. Fortunately, there are many ways to save money and there also ways to not spend any money at all. A home-stay allows you to experience local culture while paying a fraction of the cost you would spend at a typical hotel. Simply search on google or another search engine for "name of your destination+home-stays." Alternatively, you can look into housesitting. In this case, you are taking care of someone's house while they are away. Responsibilities are typically limited and there is often no cost on your part. Check out websites like trustedhousesitters.com for more information. Have a picnic After accommodation, dining is right up there when it comes to putting a dent in your budget. A great way to save money on dining costs is to enjoy a picnic at a local park. Pick up a few things from the supermarket or from street food vendors and enjoy a relaxing afternoon of eating and people watching. Not only will you save money on food costs, you will also get a window into local culture that is completely free. Take advantage of deals Many travelers are unaware of local deals and promotions. Do some research in advance and also ask locals for recommendations. Lunch menus often offer the best deal. While an expensive restaurant may be too costly for dinner, they may have some great deals for lunch. Some establishments may have happy hours or weekly specials, during which you can enjoy low food and drink costs. If you are staying a hotel, ask if the hotel has any affiliation with local businesses where you may be able to receive a discount. Do what the locals do The most expensive restaurants, hotels and attractions are those that cater specifically to tourists. Often, these establishments are conveniently located, but they offer little in the way of value. Instead, seek out places frequented by the local population. Ask around for recommendations. Most people will be happy to point you in the right direction. Many places that are considered expensive can be visited without shelling out massive amounts of cash. Keep the above tips in mind in order to travel on a budget regardless of your destination. For more budget travel tips, see the website howtobudgettravel.net. It is filled with advice on how to travel on the cheap without sacrificing the experience. Article Source: http://EzineArticles.com/?expert=Phillip_Paolettaravel Cheap - 3 Easy Ways to Save Money When Booking Travel By Eric R. Williams Expert Author Eric R. Williams In the past century, it has become much easier to travel. There are roads, planes, boats, trains and other forms of transportation that allow us to get to virtually anywhere our hearts desire. For most people the biggest limiting factor in the amount of travel they can do is money. In the article I'm going to show you different ways to save money on booking travel so you can do more of it. The first thing that can save you money on your next trip is to get free information online. You can get this free information before you leave on your trip, or while you're travelling by using your smart phone or an internet cafe. I suggest looking up popular attractions and restaurants in the area on Google and typing in the words "coupon" or "discount" after the name. Many times you'll be able to save a good amount of money at these places by using coupons or booking a ticket in advance. In some cases, you may find a lot of bad reviews on the attraction and decide to skip visiting it altogether (which saves you time and money)! Now that you know where you want to go it's time to figure out how you're going to get there. For flights, I suggest starting out by doing a flight search on Kayak.com. Once you enter your to and from locations you'll see a calendar appear with prices for different days. If you're travel dates are flexible choose the ones that are cheapest (and click "My dates are flexible" to compare rates over multiple days). The best flight deals will usually be around the middle of the week. Next, try a search on Hotwire.com for the dates you want to fly and if any of the major airlines has unsold seats for those days you may be able to get as much as 40% off. If you don't need to fly to your destination, be sure to do a search for bus routes or trains that can get you there. For short trips you can sometimes saves hundreds of dollars by taking a bus or train instead of flying. The last step to complete is finding a place to stay. You can begin by doing another Kayak.com search using the dates and location for your trip. Also, try Hotwire.com again and see if they can give you any big discounts on unsold rooms. Now that you have a good idea what a hotel room for your trip will cost it's time to look at other options. Couchsurfing.org is a great way to meet people while you're travelling and you can usually find a free place to stay as long as you don't mind staying at someone's house (it could be in a guest room, on a pullout couch, or on an air mattress). Take some time to explore the profiles before sending a couch request, and look for positive references and someone who has been vouched for to stay safe. If you're not comfortable couchsurfing, Airbnb.com is a new site that allows you to book vacation rentals or private rooms directly from people all over the world. This site connects people who have space to spare with those who are looking for a place to stay, and helps you save money over staying in a hotel in the process. By following these basic steps you can save a lot of money booking your trip. Research local places first, find cheap flights or alternative forms of transportation, and look for cheap hotel rooms or places you can stay with locals. These tips are sure to save you money and allow you to travel more in the future! Finally, for more tips on savings money and great free stuff, check out more articles by Eric on the Free Stuff and Savings Blog. Article Source: http://EzineArticles.com/?expert=Eric_R._Williams *************
