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This article is about “Cost average xls”, you can find here a huge variety of articles about “Cost average xls”:

Excel doesn’t have to be a hard program to help you perform some of the calculations you need. I use Excel on a daily basis to perform some extremely simple calculations. It is much more powerful than a calculator for some basic calculations. In this article, I’ll tell you about a couple of the functions.

The functions I’d like to tell you about are the SUM and AVERAGE functions. In Excel, SUM basically just tells you the sum of all the numbers in a particular column or row.

Say that you want to add a series of numbers. As an example, I have typed the following numbers into a column in Excel:

345

456

435

134

3

576

345

76

5467

345

34

Now, you might type all those numbers into a calculator if you want to add them up, or you could just find an empty box and type in “=SUM(“. Type an equal sign, then the word “SUM” (CAPS doesn’t matter, it’ll adjust automatically), then an open parenthesis. After this, simply highlight all the numbers you wish to add, and hit enter. Magically, the number “8216″ is displayed. You can check this against the previous column of numbers, and you’ll see that this is indeed the sum.

You can do the same thing with the word “AVERAGE” instead of “SUM” if you’d like to get the average of all the numbers. The average is 746.909090. We can check this by noticing that 8216/11 = 746.0909.

It’s so simple and much quicker than using a calculator. You could imagine how much time this would save you if you were dealing with hundreds or thousands of numbers instead of only 11. So stop fretting about how difficult Excel is to use, and just get in there and try it!

Chris Pine spends his days working in the trash can industry. In his spare time, he pursues his passion of reading and writing about a wide variety of topics, including science, philosophy, nature, and humanity. If you are in the market for trash cans or trash bags, please visit his websites at Kitchen Trash Can and Clear Trash Bags. Article Source: http://EzineArticles.com/?expert=Chris_Pine

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* Does Dollar Cost Averaging Work?

Dollar cost averaging, or constant dollar plan, is an investing technique intended to reduce exposure to risk associated with making a single large purchase.

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This article is about “Investment growth calculator monthly”, you can find here a huge variety of articles about “Investment growth calculator monthly”:

If you’re planning for retirement soon, you’ll be thinking of your pensions and finances.

There are several financial questions you should be asking yourself at this stage:

* Will you have adequate pension to support your new lifestyle?

* If you have an occupational pension, are there penalties if you decide to retire early? What tax-free lump sum are you entitled to take and what is your estimated pension after taking the tax-free lump sum?

* Are your other savings sufficient to supplement your pension?

* Will you willing to cut back on your spending when you retire?

There are loads of other financial questions you will be asking yourself at this stage leading to three most likely outcomes.

1) If you have been prudent and have been saving for your retirement for 30 – 40 years, you are very likely to have an adequate pension when you retire.

2) If you started your retirement planning about 20 years before you reach your retirement age, then it is likely that you will not have built a big enough retirement nest egg to allow you to have a comfortable lifestyle in retirement. You may have to cut back on your expenses when you retire or take a part-time job.

3) If you started your pension planning late, say 5 – 10 years before your retirement age, then unless you are lucky enough to win the lottery or inherit a substantial sum of money from someone, you are likely to have to work past your retirement age.

It is important to start building your retirement nest egg as soon as possible. If you are working, take advantage of your employer’s pension scheme. Most private companies have closed their defined benefit (final salary) schemes to new members but many companies are encouraging their employees to join their defined contribution schemes.

Take advantage of your employer’s contributions to your pension fund. This is free money but you have got to be in the company pension scheme to get it.

Your pension contributions are also allowable for tax purposes to allow your pension fund to grow more quickly. Maximize your contributions and take full advantage of this tax benefit.

You need time to be on your side, so the sooner you start your pension planning the greater your chances of using the power of compound interest to build a bigger pension fund.

There may be many valid reasons for not starting a retirement plan when you were younger, such as bringing up a family and/or having to pay off your mortgage. But retirement planning is also important, so you will need to make some sacrifices somewhere. You may want to eat out less often or skip your family holiday abroad.

The first step in pension planning is always the most difficult. Start saving a small amount each month, and when you add your employer’s contributions and tax benefits, your pension fund will grow into a substantial sum over time. Increase your contributions when you are able to do so.

Although, it is important to consider the financial aspects of retirement, it is equally important to consider how you are going to make certain adjustments to your lifestyle and relationships when you retire from work.

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This article is about “Scuritization definition”, you can find here a huge variety of articles about “Scuritization definition”:

Securitization is the packaging of a chosen group of loans with a suitable level of credit improvement, and the redeployment of these packages to investors. Investors purchase the repackaged assets in the form of securities or loans, which are secured on the original pool and its connected income stream. Securitization thus changes illiquid assets into liquid ones.

A huge bulk of credit card securitization has been accomplished using two dissimilar vehicles – the individual trust and the master trust. The individual formation is a solitary pool of receivables sold to a trust and used for a single security. When the issuer plans to give out another security, it must assign a new group of card accounts and put up for sale the receivables in those accounts to a different trust.

The master trust constitution lets the issuer generate numerous securities from the same pool of receivables. The master trust acts as a pool of receivables to which receivables are added from time to time to give out more securities. The master trust allows the issuer-improved flexibility.

One of the exceptional characteristics of credit card securitization is the small cycle of the receivable (4-5 months). The standard amortization arrangement used in automobile loans, home loans and the like does not apply in case of credit cards. If the collections from the borrowers were to be passed straight to the investors, the investors would get paid in around 5-8 months.

This is neither advantageous nor cost-effective. Thus, an exclusive structure is worked out to give a longer life to the security compared to the normal settlement time of a credit card receivable. The technique involves dividing the receivables into finance costs and principal. While the finance fees are employed for paying the coupon on the security, the main settlement is dealt with in any of the two ways:

A. Revolving method: Under this process, the major repayment every month is given to the issuer for purchasing new receivables.

B. Controlled repayment: Under this construction, the main repayment is divided into controlled pre-fixed amortization and is utilized to retire the security over a set period, say a year. The surplus of main collection in any month is reinvested in purchasing new receivables with which the shortfall, in any month, is covered.

Another important characteristic of credit card securitization is the lack of asset support. Credit card receivables proffer no security in the possibility of cardholder non-payment. As a consequence, recoveries are restricted.

The main “players” in the cycle of securitization are:

Originator – This is the entity that either creates Receivables in the normal route of its business, or buys and collects portfolios of Receivables. Its counsel works intimately with counsel to the Underwriter/Placement Agent and the Rating Agencies in arranging the deal and organizing documents.

Issuer – It is the exclusive purpose entity, generally an owner trust, formed pursuant to a Trust Agreement between the Originator and the Trustee. It gives out the Securities and prevents taxation at the entity level.

Trustees – It is generally a bank or other entity sanctioned to act in such ability. The Trustee, selected pursuant to a Trust Agreement, holds the Receivables, gets payments on the Receivables and makes payments to the Security holders.

Investors – They are the final buyers of the Securities – usually banks, insurance companies, retirement funds and other “competent investors.” In a number of cases, the Securities are bought in a straight line from the Issuer, but more frequently the Securities are issued to the Originator or Intermediate SPE as compensation for the Receivables and then sold to the Investors, or in the case of a guarantee, to the Underwriters.

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securitization – definition of securitization – The process of aggregating similar instruments , such as loans or mortgages, into a negotiable security .

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This article is about “Real estate investment yield calculation sheet xls”, you can find here a huge variety of articles about “Real estate investment yield calculation sheet xls”:

Gross Rent Multiplier (GRM), Capitalization Rate (Cap Rate) and Internal Rate of Return (IRR) are three terms you’ll often encounter in commercial real estate. By the time you finish this short article, you should have a good idea about what they are, why and when you would use them, and what their limitations are.

The GRM is the easiest to calculate, as well as the least informative number you’ll hear when evaluating commercial real estate. If you know the asking or selling price of a property as well as the annual maximum income that can be generated from the current leases, you can calculate the GRM.

As an example, let’s take a multifamily property. Assume the asking price is $1 million. There are 20 one-bedroom units, each renting for $500 per month and 20 two-bedroom units each bringing in $650 a month. Assuming no vacancies, losses or concessions, that totals $11,300 per month, or $135,600 of potential rental income per year. Dividing the purchase price by the Gross Potential Rental Income gives you the GRM, in this case 7.37.

By itself, that number has virtually no meaning. It tells you nothing about vacancies, concessions, expenses or taxes. About the only way you could use this number is to compare it to other GRMs for similar properties in the same general area. Only if one stood out from the pack would you use this to eliminate a property from further consideration, or to follow up with additional inquiries. Most investors don’t even consider the GRM, but jump straight to the Cap Rate.

The Cap Rate uses the Net Operating Income, or NOI, as its starting place. Since the NOI reflects vacancies, losses and expenses, and also adds in other income as from an on-site laundry, it’s a much better reflection of the actual operation of the property.

The Cap Rate is used mainly when buying or selling a property. You can calculate the Cap Rate if you know the NOI and the selling or asking price. To find out what the cap rate was on a recent comparable sale, divide the NOI by the purchase price. So, if the NOI is projected to be $100,000 next year, and the sale price is $800,000, doing the division yields a Cap Rate of 8%. This is equivalent to putting $800,000 into a bank account at 8% interest and getting interest payments of $100,000 per year.

If you are buying C class apartments in your city and the average Cap Rate for recent sales is 8%, you’ll probably compare that to the Cap Rate that is being offered on a property for sale now. For instance, if you can get a property for $1,200,000 that has an NOI of $145,000 per year, you can calculate that the Cap Rate is $145.000 divided by $1,200,000, or 8.28%. Since they’re offering a higher Cap Rate than the going average, this might be worth taking some additional time to explore. Keep in mind, however, that higher returns are often required in a deal with higher risk.

The problem with depending too heavily on the Cap Rate is that it’s just a reflection of a given moment in time. It shows a property’s value at the time of sale, but gives no indication of long-term gain. For that, you need the Internal Rate of Return, or IRR.

The IRR is defined as the percentage rate earned on each dollar invested for each period it is invested. In other words, if a property is held for five years and then sold, money received in the first year earns interest for four more years, while income received in year five only makes interest that year. The sum of each year’s total leads to the IRR. Most people use a financial calculator or spreadsheet to calculate the IRR.

The IRR is useful because it shows the return on investment over the entire ownership period and includes the sale price in its calculation. An investor will use the IRR to estimate the potential return on a given amount put into the investment. She can compare this number to the IRR of a competing offer as well as other investment types such as stocks and bonds. In the latter cases, the IRR is generally referred to as the yield.

Sometimes a property will have a higher Cap Rate, indicating a lower sales price, but a lower IRR, indicating a poorer yield over the long haul. Most investors rely more on the IRR than the other two measures when evaluating a new opportunity, or a just-completed one.

The IRR is often calculated with and without taxes figured in. Obviously, the after-tax IRR will give you the bottom-line return on your money. However, if you also figure the IRR before taxes, the difference between the two rates can reveal your effective tax rate. For instance, if your after-tax IRR is 16.65% and the before-tax IRR is 20.19%, the difference between the two is 3.54. Dividing this number by the before-tax IRR of 20.19 yields an effective tax rate of 17.55%. This is substantially lower than the investor’s income tax rate of 28 or 35%, offering another benefit of owning commercial real estate.

As you can see, the GRM is the least powerful and least used of these measures because it leaves out so much valuable information about a deal.

The Cap Rate is useful when creating an offer. If a seller is offering a property at a 7 Cap Rate when the average for that property type in that location is 8%, an investor will often adjust his purchase offer to match the average Cap Rate. The current problem with Cap Rates is that there haven’t been enough recent sales to get a meaningful average to compare to.

The IRR is the best of the three numbers to give an investor an over-all idea of what kind of return to expect over the ownership period. The after-tax IRR is the most accurate projection you can get of your bottom-line yield on your investment dollars and it can easily be compared to other investment alternatives.

Les Goss is a real estate investor and syndicator in Colorado Springs, Colorado. You can learn more about commercial real estate by visiting his blog at http://www.ColoradoSpringsApartmentInvestor.com Article Source: http://EzineArticles.com/?expert=Les_Goss

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This article is about “How to stop earning exp”, you can find here a huge variety of articles about “How to stop earning exp”:

If your curiosity has just began in taking photographs, digital photography books can be a good system in order to learn more regarding your new hobby. Taking photographs is an incredible hobby which can additionally revolve into a productive enterprise inside a small space of time on the proviso you are passionate enough. You should never stop learning about taking photos, this is one point to keep in mind. If it’s not the fundamentals of taking photographs you are trying to learn about there are things to grasp such as photographing flowers, or creatures, weddings or portraits. By no means stop learning since there are plenty of digital photography books out there in all areas.

Normally straightforward digital photography books are able to give you all kinds of knowledge that you have not thought about, such as lighting and how to increase your images with both artificial as well as genuine lighting. There are a lot of digital photography books out there to pick from, you will want to make a decision as to whether you are going to buy them or else rent them from a library.

Digital photography books are simply downloaded from on line websites. It is a good idea to hop onto a forum and chat about photography in general not just the books. It is an extra way to learn and share beneficial information. Forums are additionally brilliant for problem solving, discussing specific equipment as well as learning about when and where competitions are being held.

A lot of photographs taken are terrific taken spontaneously so be sure to have your camera with you at all times, along with your tripod, spare batteries, remote controls as well as any other general equipment you have. Be sure to travel as lightly as you are able to though!

An extra tip to have in mind is that you could be writing your own digital photography books in time to come so don’t forget to take notes at the end of a day of any motivating opinions you have that you have learnt not taught in any of the digital photography books you read.

You may be on the lookout for instructions for rookies at the moment but when you are more advanced look around to strengthen your expertise and realize more about taking photos in the areas of the world that you are interested in, you will probably find digital photography books in those spots too. Digital photography books are good for any photographer as there are always additional publications being put out.

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UFC Fight for the Troops 2 Predictions Bloody Elbow The MMA veteran and Canadian product may have size and experience on Mitrione but it won’t be enough. Mitrione via a second round TKO. … Fight for the Troops recap SI.com all 652 news articles »

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Fannie Mae announced some changes to their loan guidelines. Some of the changes make it easier to get that home loan you’re looking for, while other make it tougher.

A word of warning here – the changes are Fannie guideline changes only. They do not reflect the so called “investor overlays” that are tougher than the normal program guidelines. Lenders place the tougher overlays onto the sponsoring loan program, Fannie in this case, to make the loans more attractive to investors. The sources of money in the mortgage chain – Mortgage Bankers and their banks that provide lines of credit to close loans – require that mortgage bankers follow these overlays as they do not want to fund loans that are un-sellable on the secondary market. This means that the mortgage secondary market is still not healthy and that we’ve not achieved a situation where money is flowing to market.

For the most part overlays are strikingly uniform, though there may be slight variations lender to lender. The best known overlay is the credit score requirement on FHA loans. FHA does not mandate a minimum credit score on its loans, though investors have overlaid one on FHA loans. The minimum started out at 580 and now is at 660.

Here are the changes Fannie announced:

Gift or grant funds of 5% are now acceptable from non-profits. This has always been a particular sore spot with sales agents, borrowers and lenders. While Fannie agreed to accept grant funds, extra diligence is required to determine if your lender will accept the grant. Also be aware that if mortgage insurance is required, the MI company may not accept the grant. Thus while your lender may take it, the MI company is another cook in the kitchen with veto power over the approval.

The tougher news is that Fannie adjusted its debt-to-income ratio down to 45% from 55%. Its also announced changes to the manner in which it would use debt in the ratio, when the debt has ten payments or less to payoff.

45% has been the norm with lenders, so this change does not impact most if not all mortgage programs. What is significant is that change to calculation of mortgage debt with less than 10 payments to run in the loan. Lenders have routinely exempted debt, revolving, mortgage, installment, etc., that could be paid off in less than 10 installments. This change seems to take this exemption away and force lenders to add the debt service back to the DTI calculation, making it tougher to qualify.

So while the DTI calculation is really a no-change, inclusion of the balances that could be paid off in 10 months represents closing of one of the last techniques loan officers were using to get loans approved. I wouldn’t even call it a loop hole.

Overall, this evidences the fact that the secondary market is still not anywhere it needs to be.

San Antonio attorney Martin Cantu invites you to visit his website, http://cantulegal.com/, for more information on how to obtain the legal help you need. Martin also contributes real estate articles to https://txhmloan.com and other websites. (c) Copyright Martin Cantu – All rights reserved. Article Source: http://EzineArticles.com/?expert=Martin_Cantu

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This article is about “View the profile of short term loans”, you can find here a huge variety of articles about “View the profile of short term loans”:

Direct debit loans or payday loans are a useful resource for obtaining small-scale short-term credit. However few people are well-acquainted with this type of credit even today. There is an ever-increasing number of auto-charge loan companies that are making their services available through the web. When you apply for payday loans, your application will be fully processed via the internet in just a few days, and this is without having to fax supporting documents required for loans given by other lending institutions with longer terms. Check advance loan processing is very handy for folks who have to have money urgently since the loan is credited by the payday loan company to the individual’s bank account almost immediately. Consumers also need another course of action in conditions where their credit cards or long-term lending options are not suitable or certainly not cost-effective for the purposes for which they are getting a loan. And so, a payday cash advance is a fast solution for folks that have no other means of obtaining the funds which they need to have right away, for instance those individuals whose credit cards have been maxed out and they have no family members or close friends with extra money to lend for a short time. But it’s immensely important for folks to be sure before they apply for auto debit loans that they are capable of completely paying the loan when they get their salary.

How Does A Payday Loan or Auto Debit Loan Work?

It’s easy to understand how payday loan or auto charge loan businesses operates. In exchange for a small amount of money that will be quickly transferred to your account by the payday lender, the consumer must agree to have his or her account automatically debited for the loan amount and fee on the next day of his payday. Payday lending lenders mostly get the money to loan their customers from financial institutions or affiliate banks and other partner-lenders. And because of the automatic debit agreement or postdated check they submitted to the auto loan company, no more credit checks are necessary for the issuance of the cash. Hence, with this arrangement, risk to the lender is minimized.

Benefits of Payday Loans

It is important to understand the proper use of payday loans or auto charge loans that can benefit the consumer. These are helpful when used only as a short term loan or paid within 2 weeks or 1 month. They allow you to meet your financial obligations when cash is not around and your credit cards are not being accepted. For short-term loans that you know you can afford to pay when your next paycheck comes and you do not foresee having to extend your payday loan to another month or longer, There are many quick and effective solution to your temporary fund shortage. Payday loans are very different from credit card cash advance wherein you would have to meet the burden of high interest rates for a longer period and ridiculously high fees which makes it suitable as a final option. There are also payday loans which do not charge processing fees and other fees that a credit card issuer charges. And since these loans are paid off at one time with your next paycheck, you will not incur high interest fees on that loan compared to credit card cash advance loans which can be left unpaid and costing you more and more interest for many months since there are other debts in your card which you need to pay first.

Avoiding Bad Debt with Auto Debit Loans or Payday Loans

Our credit card dues can grow quite rapidly from penalties and fees added to our outstanding balance for missing a few payments or delaying payment. Paying off your minimum credit card monthly bill, during times you don’t have any funds and no access to free-interest rate loans from friends/relatives is a good time to apply for payday loans. It will help save your credit score and prevent rates and penalty charges ballooning in your credit card account. Compared to other types of short-term loans, payday loans are very convenient and can be obtained almost instantaneously. Moreover, your company may have more restrictions in place for approving and issuing a paycheck advance, such as being in the company for more than a month. Hence, direct debit loans serve a critical niche in the market for providing fast loan processing and release of money. And for situations when you suddenly find yourself short of cash to meet your credit card payments and bills, these loans can help you avoid those costly finance charges.

Keep in mind that a record of any late credit card payment will be in record for five years in your credit profile. Hence, you’ll be paying the cost of that late payment for 5 years, rather than just having it resolved in just a month if you decided to save your credit with a cash payday loan. Moreover, once it is recorded, the only way for you to have it deleted is to wait for it to expire. Therefore, getting payday cash loans is one of the most beneficial tools which you may use to keep your credit history clean of any derogatory information and to keep you financially steady.

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This article is about “Tax treatment loss of land sale”, you can find here a huge variety of articles about “Tax treatment loss of land sale”:

Possibly THE most frequently asked question of me is “What is the best business entity to use for real-estate investments?” My recommendation to most people is that a limited liability company (an “LLC”) is the best entity for this type of use. Here’s why:

– Excellent liability protection for managers and members

– Flow-through tax treatment on LLC profits and losses

– Ability to transfer properties in and out of an LLC with minimal tax consequences

– Personal Asset Protection through the Charging Order procedure (for Nevada LLCs)

Liability Protection.

An LLC is similar to a C-corporation (“C-corp”) or a Sub-Chapter S corporation (“S-corp”) in that it exists as a separate corporate entity. It provides full liability protection to its officers and directors (called “Managers”) and its shareholders (called “Members”). As either a Manager or a Member, you are liable only for the money you have invested into the LLC and cannot be found personally liable for any debts incurred by the LLC. Consider the risks associated with owning real estate, especially rental properties. Tenant injuries. Trespassers injured while on vacant land. Unauthorized dumping or storing of hazardous waste. All of these could pose a serious risk to your financial well-being if you held the property in your name directly, even with insurance. Owning property in your own name means that in the event you are sued and found guilty, anything your insurance policy does not cover will come out of your own pocket. Putting an LLC entity between you and this personal liability means that your personal assets will stay protected.

Flow-Through Tax Treatment.

Unlike a C-corp, an LLC does not pay income taxes. It is a “flow-through” entity, meaning that, like an S-corp, the tax on the profits (as well as the write-offs on any losses) are passed through to the Members and taxed on their individual personal tax returns.

The flow-through tax treatment becomes important when you decide to sell a property, or convert it to personal use. Here’s a quick example of what happens to a $400,000 profit on real estate after taxes. For this example we are assuming that your personal tax rate on the monies received would be 39.1%, the top tax bracket:

C CORPORATION:

Gross Profit: $400,000

Less: Corporate Tax: -136,000

Subtotal: $264,000

Paid to You as a Dividend:$264,000

Less: Tax You Pay on Dividend: -103,224

Net Profit to You: $160,775

LLC

Gross Profit: $400,000

Paid to You: $400,000

Less: Tax You Pay on Profit: -156,400

Net Profit to You: $243,600

Ease of Sale.

LLC’s have an extra advantage over an S-corp (or a C-corp) where you want to convert a property to personal use, or trade it (called a “like-kind exchange” and subject to special rules) for another home of similar value. If held in an S-corp the conversion or trade of property would be considered a sale with the accompanying tax consequences. Held in an LLC, there are no tax consequences to converting or trading the property.

Asset Protection.

When using an LLC to hold real estate, it is very important that you also obtain comprehensive property insurance coverage. In the event of a lawsuit brought against the LLC by a tenant injured on the premises, or, believe it or not, even by a trespasser on your land, good and comprehensive insurance can save you money in the long run. It may even save the property itself if a claimant was to successfully sue the LLC and win. If the LLC had no insurance coverage in place a court may order the property sold to pay the claimant’s judgment.

However, if a lawsuit is brought against you personally, and a claimant attempts to seize assets you hold through an LLC, the rules are a little different.

Charging Orders.

A charging order works in the same fashion as a lien — it is an obligation to pay money placed over assets. The charging order does not convey any voting rights, any ability to control the decisions of the LLC or the ability for a creditor to force the LLC to make profit distributions. The charging order merely grants the creditor the right to receive a portion of the LLC’s profits until the judgment is completely paid. And, in a fairly ironic twist, the monies received by a judgment creditor through a charging order will be treated as income and taxed.

Under Nevada law, a charging order is the sole legal method for creditors suing you personally to attack your assets held in an LLC. So for example, if you are a Nevada resident and have a day trading account, a boat and a duplex held in an LLC and are sued personally, a creditor would not be able to seize your assets. They would instead have to obtain a charging order over your membership interests in the LLC, entitling them to receive a portion of income earned by that LLC. If the LLC didn’t earn any income, then there would be no profits to be distributed.

Unfortunately, the charging order laws in other states may not be as strong as Nevada. For those of you who don’t live in Nevada, or who hold property in another state that does not offer strong charging order laws, we suggest using two LLCs. The first LLC is formed in the state where your property is located and holds title. The second LLC is formed in Nevada and is a passive holding company, holding all of the interests of the first LLC. You in turn hold interests of the Nevada LLC. What will happen in the event of a lawsuit brought against you personally is that no matter in what state a lawsuit is brought, a creditor will eventually have to come to Nevada to attempt to seize the assets, and will then run up against the charging order procedure. It costs a little more to set up and maintain, but if you are truly trying to make yourself as small a target as possible, it is a fairly cost-effective solution.

One final point to consider while on the subject of charging orders is to limit the number or dollar value of properties held in an LLC. If you have several properties held in an LLC and you depend on the income stream, then a charging order placed against that LLC could cause a major disruption to your earnings.

Do I ever NOT recommend using an LLC for real-estate holdings? Occasionally. For example, California assesses an additional franchise tax fee for LLCs with earnings over $250,000 per year. So, if your LLC is holding very high income-earning properties, you could wind up paying extra taxes. To avoid that, we may recommend that you use a Limited Partnership, as it does not have the extra franchise fee levied on its earnings. However, if you operate your Limited Partnership with a corporate General Partner, then you have the filing and operating costs for two entities in California, rather than one, not to mention two franchise tax fees.

Another example could be a situation where the entity is going to be used for estate planning purposes to pass your wealth through to the next generation, and you perhaps foresee trouble on the horizon with your children wanting control once they have gained a majority interest.

Limited Partnerships are a much older entity than LLCs, and the law over how the Limited Partnership is controlled is much more settled. A General Partner cannot be removed in most instances unless they are found guilty of serious misdoings or defrauding the Limited Partnership. In an LLC, however, the law isn’t as settled. And, though you might draft your LLC’s operating agreement as strongly as possible to give you control over daily operations, even after you have transferred majority interest in the LLC to your children, there is still a chance that the kids will be able to make a good legal argument in front of a sympathetic judge and have the operating agreement set aside.

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If you are involved in the phenomenon known as World of Warcraft and are serious about your game, I can absolutely relate to anybody who wants to achieve the elusive level 85 using any means necessary. There are a few ways out there, and I’m here to shout it from the rooftops that you do not need to spend the money on a WoW Power Leveling Service. I hate to give away the end of this, but a great WoW PL guide is a much better option for anybody who is serious. Here’s why:

Reason number one is that it is way too expensive! I could probably stop there, but I know some of us are addicted to this game and sometimes feel we would mortgage our house to get to level 85. There are a number of companies out there and for a reputable one to get you to where you want to be, you’re looking in upwards of 300 bucks! Yes, you can have somebody do it for $100, but you get what you pay for and you’ll ultimately be totally disappointed.

Also, we already pay to subscribe to the game, so that’s a few bucks to add on top of that. AND, you have to give them your account details which is never a good idea, whether it’s your ATM pin or library card.

Reason number two is that you run the risk of your account being closed. If you read the fine print when you signed up for your account, it basically says “No, don’t do that.” How upset would you be when you sat down to play only to find out, without any warning, that your account was gone? I think I would literally throw the computer out the window. It’s not worth the risk.

The last reason not to hire a company for your WoW PL is that you don’t really know how to use the character to its full potential. You didn’t make it through all of the trials and tribulations to achieve the level. It’s like handing a new driver the keys to a Ferrari and telling them to go really, really fast AND do it safely. It’s not going to happen. Sure, they would be okay, but they wouldn’t be able to effectively use the car to its potential. The same exact thing holds true with characters.

In order to save yourself money, aggravation and really get a better understanding of the game, your best option is to invest in quality leveling guide. A really great WoW PL guide will show you step-by-step, exactly where you should be going and which quests are just going to waste your time.

The best part is the price. Instead of $300, you only need to spend about $60. I’ve done my due diligence testing and looking on forums and the best WoW PL guide on the market right now is Zygor Guides 3. It’s only $60 and has a ton of bonuses. The one warning I will give you is that there is almost too much information. Don’t get sidetracked in the guide and you’ll level up to 85 before you know it. Click here to find out more.

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This article is about “Investment portfolio quiz”, you can find here a huge variety of articles about “Investment portfolio quiz”:

Are you up to speed on investment basics and investing strategies? Test yourself. Perhaps it’s time you learn to invest. Answer true or false to the following questions, the correct answers follow. Your first investment lesson also follows the quiz.

1. Stocks and bonds are both equity investments.

2. Bonds are poor investments when interest rates are rising.

3. High and rising interest rates are usually good for the stock market.

4. The three basic types of mutual funds are growth funds, income funds, and stock funds.

5. Most Americans invest most of their 401(k) assets in mutual funds.

6. Stock funds are riskier than bond funds and pay higher dividends.

7. Portfolio rebalance and dollar cost averaging are sound investing strategies for average investors.

8. Money market funds invest in stocks, bonds, and short-term debt.

9. Real estate investing usually involves financial leverage which acts to enhance safey.

10. You can indirectly have an investment in gold by owning shares in a specialty mutual fund.

Tally your score. Only questions two, five, seven, and ten are true. If you only missed one or two answers, you know some investment basics. Even so, you probably need to learn to invest using proven investing strategies. If you missed three or four you need to learn investment basics and investing strategies. If you missed five or more you need to get busy and learn to invest.

Here’s a brief explanation of the correct answer to each question. Consider this your first investor lesson.

Question #1: Stocks are equity investments, representing ownership. Bonds represent debt.

Question #2: When interest rates go up, bond prices or values go down, and bond owners lose money.

Question #3: High and rising interest rates have a negative effect on corporate profits. This tends to send stock prices down.

Question #4: The three basic types of mutual funds are money market funds, bond funds, and stock funds. Balanced funds might be considered the fourth basic type, and they invest in stocks, bonds, and money market securities.

Question #5: Mutual funds are the lion’s share of the investment options offered in typical 401(k) plans. Most 401(k) investors allocate most of their plan assets to them.

Question #6: Bond funds pay higher dividends.

Question #7: Portfolio rebalance and dollar cost averaging are valuable investing tools or strategies for average investors.

Question #8: Money market funds invest in high-quality short term debt, money market securities.

Question #9: Financial leverage means borrowing money, which is typical in real estate investing. This increases potential returns, but increases risk to the investor.

Question#10: By owning shares in a specialty mutual fund, a gold fund, you can profit as the price of gold rises.

A retired financial planner, James Leitz has an MBA (finance) and 35 years of investing experience. For 20 years he advised individual investors, working directly with them helping them to reach their financial goals. Jim is the author of a complete investor guide, Invest Informed, designed for average investors or would-be investors of all levels of financial background and experience. To learn more about investments and investing and his new financial guide go to http://www.investinformed.com. Article Source: http://EzineArticles.com/?expert=James_Leitz

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In Issue #684, We sharpens your retention skills with an investment strategy quiz, reviewing key ways to increase your total returns.

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Trader Talk. TRADER TALK BLOG · ETF PORTFOLIOS … Model ETF Portfolios. With so many funds to choose from, how can YOU build an investment portfolio using ETFs? TRADER TALK VIDEO GALLERY. » More. Current DateTime: 11:11:42 27 Jan 2011 …

Investment Analysis and Portfolio Management

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