High end homes in both Malibu and Pacific Palisades are
selling faster, according to a Westside Estate Agency (WEA)
analysis of housing data in the two luxury markets through the
third quarter. The report, which reviews overall total sales
in
Saturday, December 31, 2011
Actions on Housing Policy Will Make or Break Recovery
We have many reasons to be optimistic about housing. Past-due
mortgages and foreclosure filings have been trending down in recent
months, not to mention inventory is decreasing, interest rates are
lower than ever and home prices are stabilizing. But the
mortgages and foreclosure filings have been trending down in recent
months, not to mention inventory is decreasing, interest rates are
lower than ever and home prices are stabilizing. But the
Prudential Network Realty Agent Ranked No. 1 Sales Associate in Florida
Prudential Network Realtys Elizabeth Hudgins of the Ponte
Vedra Beach office was recently recognized as the No. 1 sales
associate in the Prudential Real Estate Network in Florida, which
encompasses more than 10,000 agents, the company announced. In
year-to-date statistics
Vedra Beach office was recently recognized as the No. 1 sales
associate in the Prudential Real Estate Network in Florida, which
encompasses more than 10,000 agents, the company announced. In
year-to-date statistics
Showing Suite Productivity Software Enables Agents to Provide Top-Notch Service
Maintaining a competitive edge in todays market takes more
than positioning yourself as an educated, trusted advisor. As
buyers and sellers alike continue to turn to the Internet to start
their real estate search, its more important than ever that
than positioning yourself as an educated, trusted advisor. As
buyers and sellers alike continue to turn to the Internet to start
their real estate search, its more important than ever that
Kiplingers Housing Forecast: Positive Signs Offset the Negative
The median home price in the U.S. has plunged nearly 40% in a
little over five years, but the worst is definitely over, according
to a recent report by Kiplinger: The market has finally wrung out
the last excess valuations
little over five years, but the worst is definitely over, according
to a recent report by Kiplinger: The market has finally wrung out
the last excess valuations
Wednesday, December 28, 2011
No. 10: Why is it so hard to be approved for a HARP refinance?
Number 10 on our Top 10 most popular articles of 2011 is the
refinance article, Why is it so hard to be approved for a HARP
refinance? Publish date: March 30, 2011 Written by: Gina Pogol
Excerpt: The governments Home Affordable Refinance Program (HARP)
was begun to help homeowners with little or negative equity
refinance to current mortgage rates.
refinance article, Why is it so hard to be approved for a HARP
refinance? Publish date: March 30, 2011 Written by: Gina Pogol
Excerpt: The governments Home Affordable Refinance Program (HARP)
was begun to help homeowners with little or negative equity
refinance to current mortgage rates.
No. 4: Can you get out of a home purchase contract?
Number four on our Top 10 most popular articles of 2011 is,
Can you get out of a home purchase contract? Publish date: February
01, 2011 Written by: Marcie Geffner Excerpt: Not buying a house
might seem like a straightforward proposition. After all, theres no
law or moral imperative that anyone must purchase a home. However,
suppose someone signed
Can you get out of a home purchase contract? Publish date: February
01, 2011 Written by: Marcie Geffner Excerpt: Not buying a house
might seem like a straightforward proposition. After all, theres no
law or moral imperative that anyone must purchase a home. However,
suppose someone signed
No. 8: 3 hot home renovations
Number eight on our Top 10 most popular articles of 2011 is
the article, 3 hot home renovations. Publish date: June 07, 2011
Written by: Gina Pogol Excerpt: Popular renovations range from
basic to upscale. Below are three of the most-desired renovations,
according to the Homeowner Sentiment Report, as well as the
percentage of homeowners who want them. Also
the article, 3 hot home renovations. Publish date: June 07, 2011
Written by: Gina Pogol Excerpt: Popular renovations range from
basic to upscale. Below are three of the most-desired renovations,
according to the Homeowner Sentiment Report, as well as the
percentage of homeowners who want them. Also
No. 5: Think like a criminal: 4 steps to securing your home
Number five on our Top 10 most popular articles of 2011 is,
Think like a criminal: 4 steps to securing your home. Publish date:
June 20, 2011 Written by: Gina Pogol Excerpt: When you view a
prospective home to buy, its security should be a top
consideration. You will not care as much about your homes lovely
view if
Think like a criminal: 4 steps to securing your home. Publish date:
June 20, 2011 Written by: Gina Pogol Excerpt: When you view a
prospective home to buy, its security should be a top
consideration. You will not care as much about your homes lovely
view if
No. 6: Do you have to pay your mortgage if your house is destroyed?
Number six on our Top 10 most popular articles of 2011 is, Do
you have to pay your mortgage if your house is destroyed? Publish
date: June 02, 2011 Written by: Marcie Geffner Excerpt: Few states
are immune to natural disasters, and each event affects thousands
of homeowners who are forced to cope with the physical and
emotional damage,
you have to pay your mortgage if your house is destroyed? Publish
date: June 02, 2011 Written by: Marcie Geffner Excerpt: Few states
are immune to natural disasters, and each event affects thousands
of homeowners who are forced to cope with the physical and
emotional damage,
10 Year Fixed Mortgage Rates
Why Fixed Rate Mortgages are Ideal for First Time Buyers
Buying a house is not an easy task and the process is made even
more difficult because the buyer also has to find the perfect
mortgage to pay for the purchase. For the uninitiated first time
buyer, understanding various mortgage loan options and identifying
the
Buying a house is not an easy task and the process is made even
more difficult because the buyer also has to find the perfect
mortgage to pay for the purchase. For the uninitiated first time
buyer, understanding various mortgage loan options and identifying
the
No. 7: HARP 2.0: Your 5 steps to approval
Number seven on our Top 10 most popular articles of 2011 is
the refinance article, HARP 2.0: Your 5 steps to approval. Publish
date: November 09, 2011 Written by: Dan Green Excerpt: If youre
among the more than 7 million who are expected to qualify under the
expanded HARP 2.0 guidelines, there are several preparatory steps
you need to
the refinance article, HARP 2.0: Your 5 steps to approval. Publish
date: November 09, 2011 Written by: Dan Green Excerpt: If youre
among the more than 7 million who are expected to qualify under the
expanded HARP 2.0 guidelines, there are several preparatory steps
you need to
30 Year Fixed Mortgage Rates
Advantages of Fixed Rate Mortgages Fixed rate mortgages are
immensely popular among home buyers in the US when the prevailing
interest rate is low. During the recession, interest rates
sustained severe hits, pushing the cost of mortgages down. However,
the uncertainty in the economy and financial crunch also resulted
in dramatic reduction in salaries. Several
immensely popular among home buyers in the US when the prevailing
interest rate is low. During the recession, interest rates
sustained severe hits, pushing the cost of mortgages down. However,
the uncertainty in the economy and financial crunch also resulted
in dramatic reduction in salaries. Several
No. 9: Crazy to refi into an ARM? Not at all
Number nine on our Top 10 most popular articles of 2011 is
the refinance article, Crazy to refi into an ARM? Not at all.
Publish date: January 06, 2011 Written by: Michele Lerner Excerpt:
Adjustable rate mortgages (ARMs) were blamed by some financial
commentators for the rise in foreclosures, so many homeowners are
wary of them. Indeed, only 5
the refinance article, Crazy to refi into an ARM? Not at all.
Publish date: January 06, 2011 Written by: Michele Lerner Excerpt:
Adjustable rate mortgages (ARMs) were blamed by some financial
commentators for the rise in foreclosures, so many homeowners are
wary of them. Indeed, only 5
Should lenders have a fiduciary obligation to borrowers?
How can we create a mortgage landscape with safer,
better-performing loans? We can start by paying close attention to
which mortgage products borrowers are approved for. Currently, were
still recovering from a mortgage meltdown that was at least
partially cause by a lending environment that placed borrowersmany
of whom qualified for more traditional mortgage productsinto
risky
better-performing loans? We can start by paying close attention to
which mortgage products borrowers are approved for. Currently, were
still recovering from a mortgage meltdown that was at least
partially cause by a lending environment that placed borrowersmany
of whom qualified for more traditional mortgage productsinto
risky
Starting next week: HSH.coms top 10 articles of 2011′
As we come to the end of the year, we want to take a look
back on 2011 and the most popular pieces of HSH.com content
throughout the year. HSH.com had quite a few transformations in
2011, from an updated look to our website, to a host of new writers
who have contributed to our library
back on 2011 and the most popular pieces of HSH.com content
throughout the year. HSH.com had quite a few transformations in
2011, from an updated look to our website, to a host of new writers
who have contributed to our library
No. 3: 4 experts forecast 2011 housing market
Number three on our Top 10 most popular articles of 2011 is,
4 experts forecast 2011 housing market. Publish date: January 03,
2011 Written by: Constance Gustke Excerpt: We asked top real estate
experts Ilyce Glink of Thinkglink.com, Paul Bishop of the National
Association of Realtors, Barbara Corcoran of the Today show, and
Dan Green of TheMortgageReports.com to share
4 experts forecast 2011 housing market. Publish date: January 03,
2011 Written by: Constance Gustke Excerpt: We asked top real estate
experts Ilyce Glink of Thinkglink.com, Paul Bishop of the National
Association of Realtors, Barbara Corcoran of the Today show, and
Dan Green of TheMortgageReports.com to share
30 Year Fixed Mortgage Rates
Advantages of Fixed Rate Mortgages Fixed rate mortgages are
immensely popular among home buyers in the US when the prevailing
interest rate is low. During the recession, interest rates
sustained severe hits, pushing the cost of mortgages down. However,
the uncertainty in the economy and financial crunch also resulted
in dramatic reduction in salaries. Several
immensely popular among home buyers in the US when the prevailing
interest rate is low. During the recession, interest rates
sustained severe hits, pushing the cost of mortgages down. However,
the uncertainty in the economy and financial crunch also resulted
in dramatic reduction in salaries. Several
15 Year Fixed Mortgage Rates
How to Find a Great Fixed Mortgage Deal In the current
economic climate, fixed mortgage deals are highly preferred by
prospective home buyers in the US. These deals allow buyers to lock
in their interest rates at the prevailing low levels. Even if the
rates do rise in the future, the buyer still has to
economic climate, fixed mortgage deals are highly preferred by
prospective home buyers in the US. These deals allow buyers to lock
in their interest rates at the prevailing low levels. Even if the
rates do rise in the future, the buyer still has to
15 Year Fixed Mortgage Rates
How to Find a Great Fixed Mortgage Deal In the current
economic climate, fixed mortgage deals are highly preferred by
prospective home buyers in the US. These deals allow buyers to lock
in their interest rates at the prevailing low levels. Even if the
rates do rise in the future, the buyer still has to
economic climate, fixed mortgage deals are highly preferred by
prospective home buyers in the US. These deals allow buyers to lock
in their interest rates at the prevailing low levels. Even if the
rates do rise in the future, the buyer still has to
15 Year Fixed Mortgage Rates
How to Find a Great Fixed Mortgage Deal In the current
economic climate, fixed mortgage deals are highly preferred by
prospective home buyers in the US. These deals allow buyers to lock
in their interest rates at the prevailing low levels. Even if the
rates do rise in the future, the buyer still has to
economic climate, fixed mortgage deals are highly preferred by
prospective home buyers in the US. These deals allow buyers to lock
in their interest rates at the prevailing low levels. Even if the
rates do rise in the future, the buyer still has to
30 Year Fixed Mortgage Rates
Advantages of Fixed Rate Mortgages Fixed rate mortgages are
immensely popular among home buyers in the US when the prevailing
interest rate is low. During the recession, interest rates
sustained severe hits, pushing the cost of mortgages down. However,
the uncertainty in the economy and financial crunch also resulted
in dramatic reduction in salaries. Several
immensely popular among home buyers in the US when the prevailing
interest rate is low. During the recession, interest rates
sustained severe hits, pushing the cost of mortgages down. However,
the uncertainty in the economy and financial crunch also resulted
in dramatic reduction in salaries. Several
10 Year Fixed Mortgage Rates
Why Fixed Rate Mortgages are Ideal for First Time Buyers
Buying a house is not an easy task and the process is made even
more difficult because the buyer also has to find the perfect
mortgage to pay for the purchase. For the uninitiated first time
buyer, understanding various mortgage loan options and identifying
the
Buying a house is not an easy task and the process is made even
more difficult because the buyer also has to find the perfect
mortgage to pay for the purchase. For the uninitiated first time
buyer, understanding various mortgage loan options and identifying
the
Reconstruction of Tax Records
Treasury Regulation 1.274-5allows for a deduction
without complete documentation if you can show that you have
substantially complied with adequate adequate record keeping
requirements. This statute is code for be nice to your examiner.
Basically the practice of disallowing amounts claimed because there
is no documentary evidence available to establish precise amounts
beyond a
without complete documentation if you can show that you have
substantially complied with adequate adequate record keeping
requirements. This statute is code for be nice to your examiner.
Basically the practice of disallowing amounts claimed because there
is no documentary evidence available to establish precise amounts
beyond a
Municipal Bond Interest Can Be Taxable Make Sure You Trust Your Broker Is Competent
I am so sick and tired of late night commercials selling
snake oil. My latest angst comes from claims of tax free municipal
bonds. Not all municipal bonds offer tax free interest so the next
time slick Rick the broker harasses you to buy his latest municipal
bond be sure to ask him if the
snake oil. My latest angst comes from claims of tax free municipal
bonds. Not all municipal bonds offer tax free interest so the next
time slick Rick the broker harasses you to buy his latest municipal
bond be sure to ask him if the
30 Year Fixed Mortgage Rates
Advantages of Fixed Rate Mortgages Fixed rate mortgages are
immensely popular among home buyers in the US when the prevailing
interest rate is low. During the recession, interest rates
sustained severe hits, pushing the cost of mortgages down. However,
the uncertainty in the economy and financial crunch also resulted
in dramatic reduction in salaries. Several
immensely popular among home buyers in the US when the prevailing
interest rate is low. During the recession, interest rates
sustained severe hits, pushing the cost of mortgages down. However,
the uncertainty in the economy and financial crunch also resulted
in dramatic reduction in salaries. Several
Foreign Income Reporting IRS Publication 515
IRS Publication 515, Withholding of Tax on Nonresident Aliens
and Foreign Entities, includes a table of incomesource rules,
including pay for personal services, interest,rents,
royalties, income from naturalresources, scholarship and
fellowshipgrants, and guarantees of indebtedness. I must
write from experience that identifying income is best accomplished
if the typeof income named on an invoice is
and Foreign Entities, includes a table of incomesource rules,
including pay for personal services, interest,rents,
royalties, income from naturalresources, scholarship and
fellowshipgrants, and guarantees of indebtedness. I must
write from experience that identifying income is best accomplished
if the typeof income named on an invoice is
Severance Payments and FICA Tax
Generally severance payments made to terminated employees
have been held by the US Tax Court to be FICA wages because the
definition of wages for FICA purposes found in the Internal Revenue
Code is so broad. Wages include all remuneration or money paid for
employment with 23 listed statutory exceptions to the definition. A
federal
have been held by the US Tax Court to be FICA wages because the
definition of wages for FICA purposes found in the Internal Revenue
Code is so broad. Wages include all remuneration or money paid for
employment with 23 listed statutory exceptions to the definition. A
federal
IRS Request for Miscellaneous Determination IRS Form 8940
The IRS has releasedForm 8940,Request for
Miscellaneous Determinationthat tax-exempt organizations will
use to request certain determinationsabout their tax-exempt
status. In addition to foundation status issues,
organizations will use this new formto obtain advance
approval of certain activities and exemption from IRS Form 990
filing requirements. Organizations applying for recognition
of exemption and at the same
Miscellaneous Determinationthat tax-exempt organizations will
use to request certain determinationsabout their tax-exempt
status. In addition to foundation status issues,
organizations will use this new formto obtain advance
approval of certain activities and exemption from IRS Form 990
filing requirements. Organizations applying for recognition
of exemption and at the same
IRS Form 1099-K Banks Not to be Penalized for Reporting Information Incorrectly
Okay this blew my mind today. The IRS is providing special
relief to banks and other payment settlement entities required to
begin reporting payment card and third-party network transactions
to the IRS on new Form 1099-K. Payers (Banks) have to make
good-faith efforts to file accurate 1099-Ks, but the IRS will not
penalize for incorrect
relief to banks and other payment settlement entities required to
begin reporting payment card and third-party network transactions
to the IRS on new Form 1099-K. Payers (Banks) have to make
good-faith efforts to file accurate 1099-Ks, but the IRS will not
penalize for incorrect
IRS Audit Guidelines Assessing Asset Dissipation
If you are delinquent on taxes you may be considering some
IRS payment arrangement whereby your total tax liability will be
considered satisfied in exchange for a payment plan that is less
then the full amount owed. Twodifferent plans that I have had
success with lately are Offers In Compromise and Partial Payment
Installment Agreements.Usually
IRS payment arrangement whereby your total tax liability will be
considered satisfied in exchange for a payment plan that is less
then the full amount owed. Twodifferent plans that I have had
success with lately are Offers In Compromise and Partial Payment
Installment Agreements.Usually
IRS Offers in Compromise Work Under the Right Circumstances, but .
The Offer In Compromise (OIC) is prepared on IRS Form 656 and
must include a detailed statement of financial position with
substantiating documentation (bank statements etc.) prepared on one
of the many IRS Form 433s. To know which 433 to fill out I suggest
reading the OIC booklet produced on IRS Form 656-B. Not
every
must include a detailed statement of financial position with
substantiating documentation (bank statements etc.) prepared on one
of the many IRS Form 433s. To know which 433 to fill out I suggest
reading the OIC booklet produced on IRS Form 656-B. Not
every
Nonprofit Formation IRS Form 1023
Your organization can indeed bea nonprofit organization
within your state but not be tax-exempt with theIRS. The only
way to obtain FEDERAL 501(c)(3) tax-exempt status is to
fileIRS Form 1023. Ive done this many times and felt
compelled to blog about it today because the general confusion in
these regards is astounding and the fees
within your state but not be tax-exempt with theIRS. The only
way to obtain FEDERAL 501(c)(3) tax-exempt status is to
fileIRS Form 1023. Ive done this many times and felt
compelled to blog about it today because the general confusion in
these regards is astounding and the fees
First Time Home Buyer Credit
Many taxpayers who claimed the first time home buyers credit
are having their tax returns examined by the IRS. Turns out
generally that this credit is not being properly reported. Even tax
practitioners are demonstrating incompetence when it comes to
preparing, signing and filing tax returns of this nature. This is
becoming a real mess
are having their tax returns examined by the IRS. Turns out
generally that this credit is not being properly reported. Even tax
practitioners are demonstrating incompetence when it comes to
preparing, signing and filing tax returns of this nature. This is
becoming a real mess
What is a Foreigner for US Tax Purposes? IRS Forms W-8BEN + 1042-S
I have had the pleasure of helping many people new to either
living or conducting business in the USA determine their tax
liability to the US Treasury and have grown increasingly surprised
about the confusion over who or what type of entity is considered a
foreigner for US Tax purposes. Correctly making this determination
is
living or conducting business in the USA determine their tax
liability to the US Treasury and have grown increasingly surprised
about the confusion over who or what type of entity is considered a
foreigner for US Tax purposes. Correctly making this determination
is
Tax Practitioner Fraud and Incompetence United States Treasury Circular 230
Lately Ive been getting deluged with cases involving blatant
US Treasury Circular 230 violators of regulations governing
practice before the Internal Revenue Service. The perpetrators it
seems come from all walks of life, some are unregulated tax return
preparers while others carry multiple licenses, designations and/or
degrees. The accumulated data however indicates that the
most
US Treasury Circular 230 violators of regulations governing
practice before the Internal Revenue Service. The perpetrators it
seems come from all walks of life, some are unregulated tax return
preparers while others carry multiple licenses, designations and/or
degrees. The accumulated data however indicates that the
most
IRS Publication 78 Online Tool for Researching Charitable Organizations
Now is a GREAT TIME OF YEAR TO MAKE A CHARITABLE DONATION if
you are so fortunate. When you make a donation to a charity you may
be able to take a deduction for it on your tax return as long as
you secure the proper documentation substantiating the donation and
its subsequent value. In
you are so fortunate. When you make a donation to a charity you may
be able to take a deduction for it on your tax return as long as
you secure the proper documentation substantiating the donation and
its subsequent value. In
Tax Treatment of Incentive Stock Options (ISOs): Qualifying Disposition
Incentive Stock Options (ISO) are taxed based on how and when
the stock is disposed and whether the disposition is qualifying or
non-qualifying. Disposition of stock is typically when the employee
sells the stock, transfers the stock to another person or gives the
stock to charity. A qualifying disposition simply means that the
stock, acquired
the stock is disposed and whether the disposition is qualifying or
non-qualifying. Disposition of stock is typically when the employee
sells the stock, transfers the stock to another person or gives the
stock to charity. A qualifying disposition simply means that the
stock, acquired
Surviving Spouse Estate Gift Tax Exclusion
IRS Notice 2011-82 makes available the ability for taxpayers
topass along their unused estate gift tax exclusion
amounts to their surviving spouse if an estate tax return is filed.
This new portability election allows estates of married taxpayers
to pass along the unused part of their exclusion amount ($5 million
cap in 2011) to
topass along their unused estate gift tax exclusion
amounts to their surviving spouse if an estate tax return is filed.
This new portability election allows estates of married taxpayers
to pass along the unused part of their exclusion amount ($5 million
cap in 2011) to
2011 Per Diem Rates for Employee and Business Expenses
Revenue Procedure 2011-47provides rules for using a per
diem rate to substantiate the amount of an employees expenses for
lodging, meals and incidental expenses that an employer reimburses.
Employees and self-employed individuals who deduct un-reimbursed
expenses for travel away from home may use a per diem rate for
meals and incidental expenses under this revenue
diem rate to substantiate the amount of an employees expenses for
lodging, meals and incidental expenses that an employer reimburses.
Employees and self-employed individuals who deduct un-reimbursed
expenses for travel away from home may use a per diem rate for
meals and incidental expenses under this revenue
Mortgage Refinancing Tax Deductible Expenses
With mortgage rates at levels not seen in generations and the
banks finally starting to lend again many people have been calling
with questions about the tax implications of refinancing. It can be
a little confusing and this is my best attempt at explaining it in
general terms without hitting line item detail of a
banks finally starting to lend again many people have been calling
with questions about the tax implications of refinancing. It can be
a little confusing and this is my best attempt at explaining it in
general terms without hitting line item detail of a
15 Year Fixed Mortgage Rates
How to Find a Great Fixed Mortgage Deal In the current
economic climate, fixed mortgage deals are highly preferred by
prospective home buyers in the US. These deals allow buyers to lock
in their interest rates at the prevailing low levels. Even if the
rates do rise in the future, the buyer still has to
economic climate, fixed mortgage deals are highly preferred by
prospective home buyers in the US. These deals allow buyers to lock
in their interest rates at the prevailing low levels. Even if the
rates do rise in the future, the buyer still has to
IRS Collection Limitations
There are several options available through the IRS to
resolve delinquent tax obligations and/or request relief. One
of the many reasons you need to be careful when engaging the IRS in
these regards is because many of the programs including offer in
compromise, collection due process appeal, and innocent spouse
request extend the amount of
resolve delinquent tax obligations and/or request relief. One
of the many reasons you need to be careful when engaging the IRS in
these regards is because many of the programs including offer in
compromise, collection due process appeal, and innocent spouse
request extend the amount of
Alternative Minimum Tax AMT and Unexpected Investment Income
It is no secret that the US Congress growing inability to
agree on matters of substance is both disturbing and frustrating.
The Alternative Minimum Tax (AMT) problem of not automatically
adjusting for inflation is yet another example of the collective
ineptitude of our elected officials. Without a comprehensive
solution this FLAT TAX will eventually hit
agree on matters of substance is both disturbing and frustrating.
The Alternative Minimum Tax (AMT) problem of not automatically
adjusting for inflation is yet another example of the collective
ineptitude of our elected officials. Without a comprehensive
solution this FLAT TAX will eventually hit
Late Filing 1120 Penalties
For those of you just now starting to get failure to timely
file notices for your Subchapter S Corporation, the only relief
available to the S corporation for the failure to timely file
penalty under §6699 is reasonable cause. There are no provisions
like those in partnership laws that allow the penalty to be
abated
file notices for your Subchapter S Corporation, the only relief
available to the S corporation for the failure to timely file
penalty under §6699 is reasonable cause. There are no provisions
like those in partnership laws that allow the penalty to be
abated
IRS Worker Classification Settlement Program IRS Form 8952
If you are an employer you can appreciate the fact that
everyone working for you it seems wants to be an independent
contractor until they get injured on the job or get pissed off at
you and seek relief outside of your organization. Employees and the
subsequent employment tax liability they bring can be a
everyone working for you it seems wants to be an independent
contractor until they get injured on the job or get pissed off at
you and seek relief outside of your organization. Employees and the
subsequent employment tax liability they bring can be a
Mortgage Interest Allocation
I received a very interesting question from my last post on
mortgage interest concerning allocation for tax deduction purposes.
This post is a summary of research conducted in these regards on
theNational Association of Enrolled Agentsweb site. For
example sake generally speaking if you have a $110,000 mortgage
outstanding on your personal residence and this
mortgage interest concerning allocation for tax deduction purposes.
This post is a summary of research conducted in these regards on
theNational Association of Enrolled Agentsweb site. For
example sake generally speaking if you have a $110,000 mortgage
outstanding on your personal residence and this
Retirement Savings Required Minimum Distributions (RMDs)
Many people turning 70 see themselves in the prime of their
life. A pervasive problem among this group is this idea of a
Required Minimum Distribution (RMD) from their retirement savings
accounts. Many people do not like to withdraw money from their
retirement accounts particularly with investments still negligibly
recovering from the crash of 2008.
life. A pervasive problem among this group is this idea of a
Required Minimum Distribution (RMD) from their retirement savings
accounts. Many people do not like to withdraw money from their
retirement accounts particularly with investments still negligibly
recovering from the crash of 2008.
IRS Form 8941 Small Business Health Care Tax Credit
Check out IRS Form 8941, Credit for Small Employer Health
Insurance Premiums (PDF) if you are interested in the small
business health care tax credit. Many small employers that pay at
least half of the premiums for employee health insurance coverage
under a qualifying arrangement may be eligible for the small
business health care tax
Insurance Premiums (PDF) if you are interested in the small
business health care tax credit. Many small employers that pay at
least half of the premiums for employee health insurance coverage
under a qualifying arrangement may be eligible for the small
business health care tax
IRS Statistics of Sole Proprietor Income
Approximately 22.7 million individual income tax returns
reported non-farm sole proprietorship profits of $244.8 billion for
tax year 2009 according to the recently released Statistics of
Income Quarterly Report. Check it out here - Summer 2011
Some other points worth noting in my opinion include: 1. For tax
year 2008, almost 67,000 foreign-controlled domestic
corporations
reported non-farm sole proprietorship profits of $244.8 billion for
tax year 2009 according to the recently released Statistics of
Income Quarterly Report. Check it out here - Summer 2011
Some other points worth noting in my opinion include: 1. For tax
year 2008, almost 67,000 foreign-controlled domestic
corporations
Cut taxes with early mortgage payment
Paying your January mortgage and annual property tax bill in
December can pay off at tax-filing time.
December can pay off at tax-filing time.
'The craziest thing I did to save money'
Consumers get creative and colorfulwhen they are forced
to stretch their dollars!
to stretch their dollars!
10 Year Fixed Mortgage Rates
Why Fixed Rate Mortgages are Ideal for First Time Buyers
Buying a house is not an easy task and the process is made even
more difficult because the buyer also has to find the perfect
mortgage to pay for the purchase. For the uninitiated first time
buyer, understanding various mortgage loan options and identifying
the
Buying a house is not an easy task and the process is made even
more difficult because the buyer also has to find the perfect
mortgage to pay for the purchase. For the uninitiated first time
buyer, understanding various mortgage loan options and identifying
the
Tuesday, December 27, 2011
Were you dumped by your therapist?
Therapists have a duty to avoid abandoning their clients.
When I read Harold's story, I was aghast by the heartless treatment
he received. Disappearing therapists are a no go!
Countertransference is part of the therapy business. It is up to
the therapist to make sure that their own issues do not interfere
with the client's work. The tragedy is that this can be a bit of a
slippery slope. Some therapists are overinvested in their
"expertise" :-( The good news is that others are skilled at
checking in around the impact of their words and how things are
going for you in the session. In this case, everything is up for
conversation. Sadly, clients tend to make it all about themselves
rather than the therapist's own stuff (We're actually wired for
this survival pattern.). Personalizing puts them at further risk of
relapse or recycling old patterns aka triggers. Ironically, that's
what often brings us to therapy...we have a hard time advocating
for ourselves.
When I read Harold's story, I was aghast by the heartless treatment
he received. Disappearing therapists are a no go!
Countertransference is part of the therapy business. It is up to
the therapist to make sure that their own issues do not interfere
with the client's work. The tragedy is that this can be a bit of a
slippery slope. Some therapists are overinvested in their
"expertise" :-( The good news is that others are skilled at
checking in around the impact of their words and how things are
going for you in the session. In this case, everything is up for
conversation. Sadly, clients tend to make it all about themselves
rather than the therapist's own stuff (We're actually wired for
this survival pattern.). Personalizing puts them at further risk of
relapse or recycling old patterns aka triggers. Ironically, that's
what often brings us to therapy...we have a hard time advocating
for ourselves.
Free Shrinklady Teleseminar
Every week visitors to MyShrink send me their most important
question concerning issues related to being in therapy. So over the
past several months, I collected a representative sample and
included them for a special Teleseminar called, "Making Wise
Therapeutic Choices". Dr. Carole - MyShrink's resident therapy
expert - joined me in covering 18 critical questions related to
therapy. And for a limited time only, you can get the replay
absolutely FREE. Here's some of the issues that we touched on:
Whether touch is appropriate in therapy; what happens if your
therapist has poor boundaries; should therapists create
transference on purpose; how do you open up to your therapist...and
several more. To get the Replay, become a Free Member. Click here
to learn more.
question concerning issues related to being in therapy. So over the
past several months, I collected a representative sample and
included them for a special Teleseminar called, "Making Wise
Therapeutic Choices". Dr. Carole - MyShrink's resident therapy
expert - joined me in covering 18 critical questions related to
therapy. And for a limited time only, you can get the replay
absolutely FREE. Here's some of the issues that we touched on:
Whether touch is appropriate in therapy; what happens if your
therapist has poor boundaries; should therapists create
transference on purpose; how do you open up to your therapist...and
several more. To get the Replay, become a Free Member. Click here
to learn more.
Chronic Pain Blues?
Neuroscience has taught us a lot about the pain cycle and how
it gets entrenched in the nervous system. Untold millions suffer
the effects of a normal pain system gone awry, their lives
truncated to the minimal. So, how do you interrupt the pain cycle?
In this article, Erika Moore - MyShrink's resident Mind Body guru -
explains how to avoid the "traumatic replay" and take "listening"
to a new level. It's an exciting look at the mind body connection
in action!
it gets entrenched in the nervous system. Untold millions suffer
the effects of a normal pain system gone awry, their lives
truncated to the minimal. So, how do you interrupt the pain cycle?
In this article, Erika Moore - MyShrink's resident Mind Body guru -
explains how to avoid the "traumatic replay" and take "listening"
to a new level. It's an exciting look at the mind body connection
in action!
Can we learn from childhood emotional meltdowns?
You may have heard that everything we need to know in life is
learned in kindergarten. And it's true. We can learn a lot about
ourselves and what we need from the mouths of babes. Be kind.
Listen. Play fair. However, there's much more and it has to do with
how the brain learns in childhood. These lessons play forward in so
many ways as we enter into adulthood. I invite you to listen deeply
into my conversation with Kathy. Our youngest teachers illustrate
fundamental truths about the nature of our social brain. ...because
it's all about connection!
learned in kindergarten. And it's true. We can learn a lot about
ourselves and what we need from the mouths of babes. Be kind.
Listen. Play fair. However, there's much more and it has to do with
how the brain learns in childhood. These lessons play forward in so
many ways as we enter into adulthood. I invite you to listen deeply
into my conversation with Kathy. Our youngest teachers illustrate
fundamental truths about the nature of our social brain. ...because
it's all about connection!
Hugs in Therapy?
It's been my experience that no subject strikes more fear in
therapists' minds than the idea of physical contact in
psychotherapy. Sadly, few therapists are even familiar with the
concept of therapeutic touch. There's virtually no standard
training and the guidelines that exist are so intimidating that
they easily discourage most therapists who would otherwise consider
using touch therapeutically. And what does therapeutic touch
entail? Everyone imagines the worse. Is it shaking hands? Giving a
routine hug at the end of a session? Is it a gentle holding during
an intense emotional episode? Yet, neuroscience reveals that the
development of our lifelong emotional patterning is deeply impacted
by physical contact in our earliest years. Can we change
fundamental aspects of our emotions without the use of touch?
Should therapists be trained in the use of touch? Will the day come
when it'd be unethical not to be so trained? Join the conversation.
Click here to get the FREE podcast.
therapists' minds than the idea of physical contact in
psychotherapy. Sadly, few therapists are even familiar with the
concept of therapeutic touch. There's virtually no standard
training and the guidelines that exist are so intimidating that
they easily discourage most therapists who would otherwise consider
using touch therapeutically. And what does therapeutic touch
entail? Everyone imagines the worse. Is it shaking hands? Giving a
routine hug at the end of a session? Is it a gentle holding during
an intense emotional episode? Yet, neuroscience reveals that the
development of our lifelong emotional patterning is deeply impacted
by physical contact in our earliest years. Can we change
fundamental aspects of our emotions without the use of touch?
Should therapists be trained in the use of touch? Will the day come
when it'd be unethical not to be so trained? Join the conversation.
Click here to get the FREE podcast.
Can we learn from childhood emotional meltdowns?
You may have heard that everything we need to know in life is
learned in kindergarten. And it's true. We can learn a lot about
ourselves and what we need from the mouths of babes. Be kind.
Listen. Play fair. However, there's much more and it has to do with
how the brain learns in childhood. These lessons play forward in so
many ways as we enter into adulthood. I invite you to listen deeply
into my conversation with Kathy. Our youngest teachers illustrate
fundamental truths about the nature of our social brain. ...because
it's all about connection!
learned in kindergarten. And it's true. We can learn a lot about
ourselves and what we need from the mouths of babes. Be kind.
Listen. Play fair. However, there's much more and it has to do with
how the brain learns in childhood. These lessons play forward in so
many ways as we enter into adulthood. I invite you to listen deeply
into my conversation with Kathy. Our youngest teachers illustrate
fundamental truths about the nature of our social brain. ...because
it's all about connection!
Chronic Pain Blues?
Neuroscience has taught us a lot about the pain cycle and how
it gets entrenched in the nervous system. Untold millions suffer
the effects of a normal pain system gone awry, their lives
truncated to the minimal. So, how do you interrupt the pain cycle?
In this article, Erika Moore - MyShrink's resident Mind Body guru -
explains how to avoid the "traumatic replay" and take "listening"
to a new level. It's an exciting look at the mind body connection
in action!
it gets entrenched in the nervous system. Untold millions suffer
the effects of a normal pain system gone awry, their lives
truncated to the minimal. So, how do you interrupt the pain cycle?
In this article, Erika Moore - MyShrink's resident Mind Body guru -
explains how to avoid the "traumatic replay" and take "listening"
to a new level. It's an exciting look at the mind body connection
in action!
Free Shrinklady Teleseminar
Every week visitors to MyShrink send me their most important
question concerning issues related to being in therapy. So over the
past several months, I collected a representative sample and
included them for a special Teleseminar called, "Making Wise
Therapeutic Choices". Dr. Carole - MyShrink's resident therapy
expert - joined me in covering 18 critical questions related to
therapy. And for a limited time only, you can get the replay
absolutely FREE. Here's some of the issues that we touched on:
Whether touch is appropriate in therapy; what happens if your
therapist has poor boundaries; should therapists create
transference on purpose; how do you open up to your therapist...and
several more. To get the Replay, become a Free Member. Click here
to learn more.
question concerning issues related to being in therapy. So over the
past several months, I collected a representative sample and
included them for a special Teleseminar called, "Making Wise
Therapeutic Choices". Dr. Carole - MyShrink's resident therapy
expert - joined me in covering 18 critical questions related to
therapy. And for a limited time only, you can get the replay
absolutely FREE. Here's some of the issues that we touched on:
Whether touch is appropriate in therapy; what happens if your
therapist has poor boundaries; should therapists create
transference on purpose; how do you open up to your therapist...and
several more. To get the Replay, become a Free Member. Click here
to learn more.
Hugs in Therapy?
It's been my experience that no subject strikes more fear in
therapists' minds than the idea of physical contact in
psychotherapy. Sadly, few therapists are even familiar with the
concept of therapeutic touch. There's virtually no standard
training and the guidelines that exist are so intimidating that
they easily discourage most therapists who would otherwise consider
using touch therapeutically. And what does therapeutic touch
entail? Everyone imagines the worse. Is it shaking hands? Giving a
routine hug at the end of a session? Is it a gentle holding during
an intense emotional episode? Yet, neuroscience reveals that the
development of our lifelong emotional patterning is deeply impacted
by physical contact in our earliest years. Can we change
fundamental aspects of our emotions without the use of touch?
Should therapists be trained in the use of touch? Will the day come
when it'd be unethical not to be so trained? Join the conversation.
Click here to get the FREE podcast.
therapists' minds than the idea of physical contact in
psychotherapy. Sadly, few therapists are even familiar with the
concept of therapeutic touch. There's virtually no standard
training and the guidelines that exist are so intimidating that
they easily discourage most therapists who would otherwise consider
using touch therapeutically. And what does therapeutic touch
entail? Everyone imagines the worse. Is it shaking hands? Giving a
routine hug at the end of a session? Is it a gentle holding during
an intense emotional episode? Yet, neuroscience reveals that the
development of our lifelong emotional patterning is deeply impacted
by physical contact in our earliest years. Can we change
fundamental aspects of our emotions without the use of touch?
Should therapists be trained in the use of touch? Will the day come
when it'd be unethical not to be so trained? Join the conversation.
Click here to get the FREE podcast.
Were you dumped by your therapist?
Therapists have a duty to avoid abandoning their clients.
When I read Harold's story, I was aghast by the heartless treatment
he received. Disappearing therapists are a no go!
Countertransference is part of the therapy business. It is up to
the therapist to make sure that their own issues do not interfere
with the client's work. The tragedy is that this can be a bit of a
slippery slope. Some therapists are overinvested in their
"expertise" :-( The good news is that others are skilled at
checking in around the impact of their words and how things are
going for you in the session. In this case, everything is up for
conversation. Sadly, clients tend to make it all about themselves
rather than the therapist's own stuff (We're actually wired for
this survival pattern.). Personalizing puts them at further risk of
relapse or recycling old patterns aka triggers. Ironically, that's
what often brings us to therapy...we have a hard time advocating
for ourselves.
When I read Harold's story, I was aghast by the heartless treatment
he received. Disappearing therapists are a no go!
Countertransference is part of the therapy business. It is up to
the therapist to make sure that their own issues do not interfere
with the client's work. The tragedy is that this can be a bit of a
slippery slope. Some therapists are overinvested in their
"expertise" :-( The good news is that others are skilled at
checking in around the impact of their words and how things are
going for you in the session. In this case, everything is up for
conversation. Sadly, clients tend to make it all about themselves
rather than the therapist's own stuff (We're actually wired for
this survival pattern.). Personalizing puts them at further risk of
relapse or recycling old patterns aka triggers. Ironically, that's
what often brings us to therapy...we have a hard time advocating
for ourselves.
Monday, December 26, 2011
Chronic Pain Blues?
Neuroscience has taught us a lot about the pain cycle and how
it gets entrenched in the nervous system. Untold millions suffer
the effects of a normal pain system gone awry, their lives
truncated to the minimal. So, how do you interrupt the pain cycle?
In this article, Erika Moore - MyShrink's resident Mind Body guru -
explains how to avoid the "traumatic replay" and take "listening"
to a new level. It's an exciting look at the mind body connection
in action!
it gets entrenched in the nervous system. Untold millions suffer
the effects of a normal pain system gone awry, their lives
truncated to the minimal. So, how do you interrupt the pain cycle?
In this article, Erika Moore - MyShrink's resident Mind Body guru -
explains how to avoid the "traumatic replay" and take "listening"
to a new level. It's an exciting look at the mind body connection
in action!
Hugs in Therapy?
It's been my experience that no subject strikes more fear in
therapists' minds than the idea of physical contact in
psychotherapy. Sadly, few therapists are even familiar with the
concept of therapeutic touch. There's virtually no standard
training and the guidelines that exist are so intimidating that
they easily discourage most therapists who would otherwise consider
using touch therapeutically. And what does therapeutic touch
entail? Everyone imagines the worse. Is it shaking hands? Giving a
routine hug at the end of a session? Is it a gentle holding during
an intense emotional episode? Yet, neuroscience reveals that the
development of our lifelong emotional patterning is deeply impacted
by physical contact in our earliest years. Can we change
fundamental aspects of our emotions without the use of touch?
Should therapists be trained in the use of touch? Will the day come
when it'd be unethical not to be so trained? Join the conversation.
Click here to get the FREE podcast.
therapists' minds than the idea of physical contact in
psychotherapy. Sadly, few therapists are even familiar with the
concept of therapeutic touch. There's virtually no standard
training and the guidelines that exist are so intimidating that
they easily discourage most therapists who would otherwise consider
using touch therapeutically. And what does therapeutic touch
entail? Everyone imagines the worse. Is it shaking hands? Giving a
routine hug at the end of a session? Is it a gentle holding during
an intense emotional episode? Yet, neuroscience reveals that the
development of our lifelong emotional patterning is deeply impacted
by physical contact in our earliest years. Can we change
fundamental aspects of our emotions without the use of touch?
Should therapists be trained in the use of touch? Will the day come
when it'd be unethical not to be so trained? Join the conversation.
Click here to get the FREE podcast.
Can we learn from childhood emotional meltdowns?
You may have heard that everything we need to know in life is
learned in kindergarten. And it's true. We can learn a lot about
ourselves and what we need from the mouths of babes. Be kind.
Listen. Play fair. However, there's much more and it has to do with
how the brain learns in childhood. These lessons play forward in so
many ways as we enter into adulthood. I invite you to listen deeply
into my conversation with Kathy. Our youngest teachers illustrate
fundamental truths about the nature of our social brain. ...because
it's all about connection!
learned in kindergarten. And it's true. We can learn a lot about
ourselves and what we need from the mouths of babes. Be kind.
Listen. Play fair. However, there's much more and it has to do with
how the brain learns in childhood. These lessons play forward in so
many ways as we enter into adulthood. I invite you to listen deeply
into my conversation with Kathy. Our youngest teachers illustrate
fundamental truths about the nature of our social brain. ...because
it's all about connection!
Were you dumped by your therapist?
Therapists have a duty to avoid abandoning their clients.
When I read Harold's story, I was aghast by the heartless treatment
he received. Disappearing therapists are a no go!
Countertransference is part of the therapy business. It is up to
the therapist to make sure that their own issues do not interfere
with the client's work. The tragedy is that this can be a bit of a
slippery slope. Some therapists are overinvested in their
"expertise" :-( The good news is that others are skilled at
checking in around the impact of their words and how things are
going for you in the session. In this case, everything is up for
conversation. Sadly, clients tend to make it all about themselves
rather than the therapist's own stuff (We're actually wired for
this survival pattern.). Personalizing puts them at further risk of
relapse or recycling old patterns aka triggers. Ironically, that's
what often brings us to therapy...we have a hard time advocating
for ourselves.
When I read Harold's story, I was aghast by the heartless treatment
he received. Disappearing therapists are a no go!
Countertransference is part of the therapy business. It is up to
the therapist to make sure that their own issues do not interfere
with the client's work. The tragedy is that this can be a bit of a
slippery slope. Some therapists are overinvested in their
"expertise" :-( The good news is that others are skilled at
checking in around the impact of their words and how things are
going for you in the session. In this case, everything is up for
conversation. Sadly, clients tend to make it all about themselves
rather than the therapist's own stuff (We're actually wired for
this survival pattern.). Personalizing puts them at further risk of
relapse or recycling old patterns aka triggers. Ironically, that's
what often brings us to therapy...we have a hard time advocating
for ourselves.
Free Shrinklady Teleseminar
Every week visitors to MyShrink send me their most important
question concerning issues related to being in therapy. So over the
past several months, I collected a representative sample and
included them for a special Teleseminar called, "Making Wise
Therapeutic Choices". Dr. Carole - MyShrink's resident therapy
expert - joined me in covering 18 critical questions related to
therapy. And for a limited time only, you can get the replay
absolutely FREE. Here's some of the issues that we touched on:
Whether touch is appropriate in therapy; what happens if your
therapist has poor boundaries; should therapists create
transference on purpose; how do you open up to your therapist...and
several more. To get the Replay, become a Free Member. Click here
to learn more.
question concerning issues related to being in therapy. So over the
past several months, I collected a representative sample and
included them for a special Teleseminar called, "Making Wise
Therapeutic Choices". Dr. Carole - MyShrink's resident therapy
expert - joined me in covering 18 critical questions related to
therapy. And for a limited time only, you can get the replay
absolutely FREE. Here's some of the issues that we touched on:
Whether touch is appropriate in therapy; what happens if your
therapist has poor boundaries; should therapists create
transference on purpose; how do you open up to your therapist...and
several more. To get the Replay, become a Free Member. Click here
to learn more.
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