Category: General

How to Use Your $8,000 Tax Credit As a Down Payment on Your New Home

A Great Incentive!

For anyone who’s been on another planet and hasn’t heard about it yet…. President Obama created this $8,000 tax credit to stimulate the housing market. This is an incentive that’s doing wonders for the market. As of June 2009, almost half of home buyers are first-time buyers. That’s up from 20-25% as of a couple years ago. I hold that a good deal of sell my house Houston that momentum comes as a direct result of the Obama tax credit.

Don’t Lose Track of Time!

Remember that you’ll forego your tax credit if you don’t close on your new home by December 1, 2009. If you’re planning to close on your home by December 1, you should have found your dream home and gotten an accepted contract no later than October 15, 2009. Which means you should start your home search no later than mid-September, 2009. Believe me, the lenders are going to be swamped as December 1 draws near.

Don’t run the risk of losing your $8K tax credit because the lender can’t process your loan quickly…. leading to a close after December 1. Don’t wait till the last minute – get started today!

The housing market led us into the recession. President Obama is doing all he can to have the housing market lead us back out of it!

But until now, the problem was that you still had to come up with a down payment and closing costs, in order to buy a home.

HUD Saves the Day with a New Ruling

On May 12, the secretary of Housing & Urban Development allowed that the FHA will give you the ability to use your $8K tax credit to be used for a down payment.

Which is a great thing. Because until now, the biggest thing holding up first time homebuyers was the down payment. Obviously, it’s not easy to save 3-10% of the cost of a new home!

(Just a little history: prior to the 1980s, it was virtually impossible to get a home loan without at least 10% down! That’s changed quite a bit over the years.)

So, just how will this work?

You’ll need a short-term second mortgage for up to $8,000. You’ll sign for this loan at closing, and pay it off in full when you get your tax credit after filing your taxes next year.

Now, there is still some logistics about getting that bridge loan — you don’t want to end up paying through the nose for that, right? The type of bridge loan we’re talking about here will amount to a second mortgage on your new home. And second mortgages typically carry some steep costs – a couple points at closing, and an interest rate several points higher than a first mortgage. Monthly interest on a $8,000 loan, at an 8% interest rate is around $60/month. If you pay 2 points at closing, that’s about $160 added to your closing costs.

But, a number of states (including Ohio – where I practice) have Homebuyer Assistance programs that are a lot more attractive. In fact, in Ohio it’s an interest-free loan with no payments whatsoever!

Maybe the best time ever to buy a home?

I can’t think of another time in history when you’ve had incentives like this to buy a home. Here are three reasons why I say that:

The National Association of Realtors has indicated that never before has the federal government doled out any kind of tax credit leverage for buying a home — and now it’s $8,000! Which tends to be better than 5% of the average cost of a first-time home purchase in Cincinnati. Lucky you!

  Interest rates on 30 year loans are still under 6% – historic lows! I’ve seen 30 year mortgage rates as low as 5% lately.

  There’s more inventory – and thus a better selection of homes available than at any time in the last two decades. In most regions of the country, there’s at least nine months of inventory on the market. Comparing that to six months’ inventory for a balanced market, we’re still clearly in Buyer’s Market territory. And if you’re skilled enough to do a little work, …

By Dante Filyaw March 4, 2020 Off

How Your Baby Photos Can Be Worth A Thousand Memories!

Following the introduction of your stunning baby like many different families around the globe, you were the proudest parents. Additionally, like numerous others, you tried to save your valuable memories of your child photographs in photograph collections. What’s more, it is still likely an ideal approach to safeguard those recollections.

Memorable Pictures of Your Child

Presently expecting you are a usual kind of individual, which I am sure you are. You, like us, will have gathered numerous collections throughout the years. It is extraordinary to get the full scale now and again and sit together and experience them. The recollections they take back to you are indeed something different. Look at newborn photography spring tx website for more information about newborn spring photographer in Texas.

They state words generally can’t do a picture justice, yet your baby photographs merit a thousand recollections. An image of a friend or family member can ship you back to a period and a spot. My mom talks about the “mystery garden” of her recollections. I accept we as a whole have one, and regularly an image can be the passage into our nurseries, mainly our infant photographs.

One of the issues that you can have with such a large number of photograph collections is that as you turn the pages, you desert the recollections of the last page and afterward proceed onward to the following. So you can, in general, lose the feeling of the entirety? In any case, there is a manner by which you can catch the diagram of your child photographs and your recollections from time to time. This is how you can do it.

My accomplice had a birthday as of late, and we chose to host a get-together. Something we did was to get out the entirety of our old photo collections, including the free ones and your infant photographs. Did I get hold of three enormous bits of card one meter wide and two meters?s long. I punched gaps along with the highest point of the card and afterward strung a bit of string through the holes leaving bounty save at either end. At that point, I put clingy tape down the joins of each bit of card. Was the outcome one extremely enormous? White barricade, which we hung between two adjoining entryways in the kitchen.

We, at that point, chose from all our photograph collections all the photographs we needed to set up on our montage. We were mindful of stamping the rear of each image with a letter coding for the group it originated from and a number that spoke to its place in a specific collection. My accomplice had assembled all the child photographs and afterward sorted out the rest as indicated by a topic.

For example, when we got hitched, when we lived in another nation, melodic pictures and so on (I play the guitar) and others. In the middle, we had our infant photographs as a highlight. We fixed every photograph set up with double-sided tape, or you can utilize blue-tac. We, at that point, had a splendid composition of photos demonstrating an outline of a piece of our lives with the child photographs as a focal point. Furthermore, we added subtitles to the gatherings, some ordinary some amusing.

Our gathering went down a treat. The montage of photographs was a significant idea. Vast numbers of our companions were remembered for the photos, so they adored seeing themselves and their children as well. So recall whether words generally can’t do a picture justice your child photographs and merit a thousand recollections.…

By Dante Filyaw March 2, 2020 Off

Patient Engagement Platforms: Building on the right foundation

Day by day the typical healthcare patient is becoming more accustomed to the efficiency they experience in other industries’ self-service tools. They are easily able to schedule most everything with the click of a button be it an oil change, a dinner reservation, or seats to a movie they want to see. Yet there are still solutions in healthcare that don’t offer what would be an expected self-service tool or more commonly they offer it in a way that is inefficient for an organization to use and thus the organization doesn’t use it all. This has caused healthcare organizations to rely on third-party solutions to facilitate their offering. This piece-mealed approach is so common that often times health organizations will have a separate solution for most everything (e.g., patient scheduling software, patient appointment reminders, patient online bill pay, secure patient messaging and patient intake) and at times more than one patient engagement platform for the same feature. Not only does this create a poor patient experience, it also has a negative effect on an organization’s branding and more often than not it results in high licensing fees to maintain the multiple solutions.

Where do we go from here? With healthcare organizations looking at what would be the next step moving forward, many organizations are turning their focus away from singular solutions and instead focusing on patient engagement platforms. The idea is that these platforms can act as a “single pane of glass” for the patient allowing them to find, schedule and access care. Meanwhile, on the backend the platform is consolidating, aggregating and filtering data from multiple systems via different interface types (HL7, API, FHIR). 

Is there a product capable of doing all of that or do I need something custom built? The sad truth is that more often than not there isn’t a one size fits all product that can meet the needs of most healthcare organizations off the shelf. Every organization has its own complexities, workflows and source systems. Should an organization go down the pre-built route, they shouldn’t be looking for a product but rather a platform. The word platform in of itself often implies that it’s not a finished product but rather a foundation with which to develop a product that suits your organization. Third-party patient portals, such as Bridge Patient Portal, often act as a great patient engagement platform or foundation for patient engagement. Their patient engagement platform is able to consolidate data from multiple sources, patient-match and allow for customization as well as the addition of new features. There are also mHealth app platforms that come with a set of pre-built features and allow organizations to drastically reduce their time to market. Similarly, for custom builds, organizations should have the platform concept in mind. Healthcare and technology are ever-changing, as such, solutions must be able to adapt and scale as needed. A custom build that serves the present moment need with no ability to adapt for the future needs is doomed for failure.…

By Dante Filyaw February 20, 2020 Off

Natural Solutions to Decrease Stress

Has stress got a hold on you because of a personal or professional tricky situation? This phenomenon is not inevitable and can be largely treated with appropriate techniques and actions. Before stress triggers health problems or causes conflicts with your loved ones, try to relax and get back on your feet. To help you, here are simple but effective natural anti-stress techniques. These methods all have scientific foundations and are recommended by specialists who have been able to analyze the reasons why stress appears and the best ways to combat it.

Breathe Well to Reduce Stress

When you feel stressed, your respiration gets faster and irregular. To decrease stress, the simplest solution is doing some respiratory exercises. Preferably, go to a quiet place where can breathe fresh air and take some deep breaths. Inhale gently in order to totally fill yours lungs. Then, exhale slowly until you feel your lungs completely empty. On the other hand, you can also practice intermittent breathing, an effective anti-stress technique proposed by the international coach Loris Vitry.

Sleep Well to Decrease Stress

Taking care of your sleep is a key step in reducing your stress. A good night’s sleep helps the mind and body to be more relaxed and dynamic. The problem is that improving your sleep cannot be decreed! To get a good night of deep sleep, you have to look after your diet. Limit the intake of caffeine and theine before going to bed.  And in the evening, do not ignore carbohydrates, preferably low glycemic index, in a balanced meal by taking care to avoid the consumption of red meat. Also remember to take care of your sleep preparation. Avoid screen in bed just before sleeping. Prefer a good book and a calming situation if you want to sleep rapidly and soundly.

Better Organize your Professional to Prevent and Relive Stress

Managing your schedule correctly is a solution to avoid and combat stress. Indeed, letting yourself be overwhelmed and not having a glimpse of your future work inevitably leads to a feeling of worry or anxiety. The solution is simple: organize your schedule as long as you can, plan the meetings with fixed times, etc. Define recurring actions and try to organize them logically. Less surprise means less stress, including more effective crisis management. Nowadays, workplace stress is one to the most common form of stress, it is then important to ensure that your job will not cause you anxiety.…

By Dante Filyaw February 11, 2020 Off

Age Spots And Wrinkles – Can Your Prevent Them?

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Age spots and wrinkles, can they be prevented? When they happen together, it is usually a sign that the skin has aged and been subjected to significant ultraviolet light and other insults over a prolonged period of time.

Age spots are also called sun spots and appropriately so. As with wrinkles, the main cause of sun spots or age spots is the sun’s ultraviolet rays impacting on the skin. Sound familiar? It is. You may remember that the sun’s ultraviolet rays are also a cause of skin cancers. This brings up the point that before one dismisses any skin lesion, it might be best to have a physician take a look. Sun spots or age spots must be distinguished from melanoma.

Sun spots and wrinkles tend to occur where the skin is most exposed. As a result, certain areas of the skin are less likely to exhibit age spots. Some areas where this applies are the soles of  the feet and between the toes. Not only are these areas neglected when it comes to self-examination, but they are hard to visualize. Have a physician check out any skin lesions found in these areas. The same goes for the back which is also difficult to self-exam. Have a buddy help you examine your back.

Age spots are hyper-pigmented patches that grow in response to trauma to a localized area of the skin. The spots are the result of cumulative injury. In a similar fashion, wrinkles are caused by damage to the deep connective tissue scaffolding the underlies the skin. Damaged collagen changes to another form of connective tissue called elastin. As its name applies, elastin tissue has elastic properties which allow the skin to sag.

When it comes to preventing sun spots and wrinkles, the most effective means is to reduce the exposure of the skin to the sun’s ultraviolet rays. Sun screens work to reduce exposure to the sun’s ultraviolet rays. Smoking is another preventable cause of wrinkles.

Many people like to turn back the aging clock on both age spots and wrinkles. Can it be done? Now it can.

Researchers have isolated human biologics health stem cells and used them to treat several common health conditions. Skin aging is a good test for any anti-aging therapy because the effects are visible. As it turned out, human stem cells can reverse and prevent age spots and wrinkles.

Human stem cells are a special type of normal human cells that have the ability to form new adult tissue. This process is called differentiation. When applied to aging skin, human stem cells allow for the formation of younger skin. When this takes place, new cells replace the old cells. Age spots and wrinkles are prevented and reduced.

These special human cells are the result of 21st century technology. Stem cells are safe and easy to use. If you are concerned about aging skin, age spots or wrinkles, you may want to look into stem cell therapy.




By Dante Filyaw February 5, 2020 Off

Beginners Guide To High CBD Hemp Seeds

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In the USA, there is a lot of confusion regarding cannabis laws. Also, there is a lot of confusion there when it comes to terms like cannabis, marijuana, hemp and CBD seeds. All these terms are used interchangeably by the people, but there is a lot of difference between them.

Difference between Hemp and Cannabis

There is a lot of difference between the two, by Cannabis people means cannabis plant from which both hemp and marijuana comes. Also, there is a primary two type of genetics in which Cannabis plants are divided Indica and Sativa. Marijuana comes from both variety of plants, Indica and Sativa, but hemp is derived only from Sativa plant. 

The primary difference between hemp and cannabis are the level of chemical compound Cannabinoids. Hemp has high CBD (Cannabidiol) content and low THC (Tetrahydrocannabinol) in it.

What are THC and CBD?

THC is one of the main component found in the cannabis plant; it has a psychoactive effect, which is primarily responsible for giving high feeling to the people.

CBD is an anti-psychoactive component of cannabis; it has therapeutic effects, which is why it is prescribed as medicine.

Cannabis plants can also have high CBD in them, but the THC level is more than 0.3 %, which is the legal limit.

Why are high CBD hemp seeds gaining importance? 

Hemp cultivation has been decriminalized under the farm bill of 2018, which is why a lot of people have opted to grow hemp plants these days. Also, it is very easier for people to get high CBD oil from hemp than getting it from marijuana.

There are plenty of health benefits of taking hemp oil; it is also one primary reason why hemp seeds are gaining importance.

Is it legal to buy hemp seeds?

It is entirely legal to buy, cultivate and sell hemp seeds after its legalization under farm bill 2018, the only condition which you need to follow is that it should not contain THC of more than the legal limit of 0.3%.

Difference between regular and feminized hemp seeds

Female seeds are always preferred in the cannabis industry because it is only female plants which produce buds which are used to make joints and rolls that we enjoy.

Female hemp seeds result in female plants, which is why they are very costly. The probability of female seeds producing from the female plant is 99.9 %, 0.1 % is the probability if the Hermaphrodite plant, which needs to be thrown.

Where to buy high CBD hemp seeds? 

You can buy high CBD Hemp seeds either through an online seed bank or local authorized dispensary or store; both are good to purchase hemp seeds. But in the USA, most people prefer Online buying.…

By Dante Filyaw January 24, 2020 Off

Sterility – Causes And Home Remedies

Sterility refers to the state of being infertile or the incapacity to beget off-springs. Infertility can affect both men and women. If a woman does not conceive in spite of trying for one whole year, any one of the two partners could be sterile. A man’s fertility is governed by the testicles, which must produce healthy sperm to be ejaculated timely into the woman’s vagina. Low sperm count, abnormal sperm motility, reduced semen production, structural abnormality in sperm transporting tubes, the varicose vein in the cord that connects to testicles, etc. may make a man sterile. Look at Klikdokter Infosehat if you want to know more about Health information from KlikDokter.

Woman’s Fertility

A woman’s fertility is governed by the regular release of healthy eggs by the ovaries. Also, a woman’s reproductive tract must facilitate proper passage of eggs and sperms into her fallopian tubes to be fertilized and implanted in the uterus. Fall in estrogen and progesterone levels, inflammation of fallopian tubes, inflammation of the cervix, etc. may interfere with ovulation and a woman’s power to reproduce. Sterility may be of the following two types:

1. Primary infertility – In this case, conception has never taken place.

2. Secondary infertility – In this case, the couple has conceived previously; but is now unable to do so because of some fertility impairing physical or medical condition.

Age plays a crucial role in determining sterility. Both men and women are highly fertile in their mid-twenties. Fertility starts declining as one crosses 30 years of age. The factors that promote sterility in the case of both men and women are stress, smoking, alcoholism, drug addiction, obesity, under-weight, dieting, etc. Medical conditions like thyroid disease, diabetes, anemia, etc. may also make a man or woman sterile.

Home Remedies

1. Consume onions in plenty, for they make the sexual organs healthy and do away with sterility.

2. Soak dry grapes in water overnight. In the morning, crush them to make a paste. Add the pasta to a glass of milk and drink. This solves the problem of sterility.

3. Consume 5-7 dry dates daily. This enhances libido, strengthens sexual organs, and makes one fertile.

4. Consume 3-4 raw garlic seeds every day to treat your sterility.

5. Soak Jambul leaves in water for some time. Then crush them to a paste. Mix the dough with 1-2 tablespoons of honey and consume. This will provide rewarding results.

6. Dissolve 2-3 teaspoons of coriander powder in a glass of water. Add sugar or jaggery to sweeten. Take the solution in the morning in empty stomach. This is an effective home remedy for sterility.

7. Mix dried and powdered winter cherry herb in a glass of milk and drink. Women should drink the mixture for one week once the monthly periods have ended. This will put an end to your sterility.

8. Add 15-20 gms of dried and powdered banyan root to a glass of milk and have. Women should take the solution for 4-5 nights following the end of monthly periods. This is a useful sterility remedy.

9. Combine one teaspoon each of raw ginger extracts and honey. Take the mixture along with a boiled egg to get rid of sterility.

10. Grind dry ginger and dry Indian gooseberry into a fine powder. Add 1-2 teaspoons of both the powders to a glass of milk. Also, add some sugar and drink. This works miraculously.

11. After every meal, eat areca nuts to turn fertile.

12. Consumption of eggs facilitates conception for both genders.

13. Live on a rice diet to become productive.…

By Dante Filyaw January 3, 2020 Off

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By Dante Filyaw January 2, 2020 Off

Overcoming Tax Preparation Huddles

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Tax preparation service is a simple and straight forward exercise for taxpayers who have all the required documents and information. However, many taxpayers seem to always find themselves in a sticky situation every time they get to prepare their tax returns.

Below are some of these common tax preparation challenges and tips on how you can get around them:

Missing Information

  • One of the more common issues when it comes to tax preparation is missing documentation.
  • These documents include W2 forms, 1099 forms, charitable donation receipts, and receipts for qualifying medical expenses. For W2 forms, one can request his or her employer for a copy of the forms.
  • You can also request the IRS to send you a copy of the W2 forms. You can request copies of the 1099 forms from the issuing institution. Many of these institutions may also have a downloadable 1099 copy on their website.

Time Limitations

  1. Another major tax preparation issue is running out of time. One may not have enough time to compile the tax documentation and prepare the tax returns.
  2. You may consider hiring the services of a tax preparer to handle your taxes.
  3. However, if it is nearing the tax deadline and you have not yet identified a suitable tax preparer to handle your taxes, you may consider filing for an extension to give you more time to prepare the tax return (until October).
  4. However, you must ensure that all due taxes are paid by the April deadline to avoid interests and penalties for late payment.

Submitted Form with a Mistake

  • If you discover that you made a mistake on your tax return form after you have already submitted it, there are options to have the error corrected.
  • If it is a mathematical error or other simple errors that may not affect the due taxes, the IRS will most likely make the correction on your behalf.
  • However, if it is an error of wrong amounts included or of omitted entries, you may need to file an amendment. To file an amendment, you can download Form 1040X “Amended U.S. Individual income Tax Return Form” from the IRS and file it.
  • Filing an amendment will delay the processing time and you may have to wait a little bit longer before getting your tax refund.

Do Not Have Cash to Pay Due Taxes

  1. If upon prepare your tax returns you discover that you do not have enough money to pay the due taxes by the deadline, do not get stressed – there are flexible options for settling the bill.
  2. You can file for an Installment Agreement (IA). This way, you can pay off the due tax bill in insta;lments over a period of 6 years. However, you will be charged interest and late payment penalties. You can also request for a 90 day extension to raise the funds.

Did Not Attach a Check

  • If you discover that you filed the returns and did not attach a check for payment of taxes, you can still send the check separately.
  • To do so, you will need to attach Form 1040-V, “Payment Voucher” and indicate your personal details, and the tax period being covered by the check.
By Dante Filyaw December 16, 2019 Off

Comment choisir ses sabots en plastique ?

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Il est agréable d’avoir à ses pieds des chaussures pratiques, légères et confortables. C’est un vrai gage de bien-être durant toute la journée. C’est cette chance qu’offrent les sabots en plastique. En effet, ces chaussures sont connues pour être stables et peuvent être portées durant toute une journée sans aucun problème. C’est d’ailleurs pour cela qu’elles sont très prisées des personnels de santé. Les infirmières, les aides-soignants et les médecins ont toujours des journées très chargée et riches en évènement. Ainsi, pour se déplacer plus rapidement tout en évitant d’avoir des maux de pieds, les sabots sont les accessoires adaptés à cette situation. Ainsi, on en trouve de nombreux types sur le marché et il est important de bien les choisir afin de bénéficier d’un confort idéal.

Les sabots en plastique : la couleur idéale

Aujourd’hui, les sabots plastique peuvent avoir tous les types de couleurs ou de motifs. En effet, s’ils étaient plus souvent utilisés dans les hôpitaux et centres de santé, de nos jours, ils sont aussi prisés par de nombreuses personnes dans le quotidien du fait du confort qu’ils apportent et de leur légèreté. Ainsi, s’agissant des sabots utilisés dans les hôpitaux, les couleurs les plus utilisés sont le bleu ou encore le vert. Elles correspondent en général aux couleurs des hôpitaux et des centres de santé. Pour un souci de professionnalisme, ce sont les plus privilégiées. D’un autre côté, pour une utilisation du quotidien, il existe de nombreuses autres couleurs et même des motifs fleuris. Sachant que les sabots sont surtout utilisés durant l’hiver, les couleurs vives sont plus demandées. En somme, s’agissant des couleurs des sabots plastiques, ce sont surtout les goûts et les besoins qui prévalent.

Les semelles des sabots

S’agissant des semelles des sabots, on peut en distinguer deux types. Il y a des sabots en plastique et ceux en bois. Les semelles en plastique sont légères, pratiques et antidérapantes. Toutefois, elles ont tendance sur le long terme à se désagréger. D’un autre côté, les semelles en bois sont tout aussi pratiques et disposent de propriétés antidérapantes. Cependant, elles ne sont pas légères. C’est l’un de leurs inconvénients majeurs. Toutefois, cela n’enlève en rien leur efficacité. Ainsi, votre choix se fera selon votre utilisation. Si vous travaillez dans un lieu hospitalier, vous aurez besoin de semelles légères. D’un autre côté, si c’est pour les vacances, il est plus judicieux d’opter pour la semelle en bois qui est très durable.

Les sabots en plastique : avec ou sans bride arrière

La bride arrière est la petite lanière qui se trouve derrière la chaussure et qui sert à maintenir le pied. En effet, on peut distinguer deux types de sabots. Ceux avec une bride et ceux sans bride. La bride est importante du fait qu’elle permet au pied de se reposer. Sans cet accessoire, les orteils sont souvent obligés de se maintenir dans la chaussure en s’accrochant. Cela a tendance à fatiguer les pieds après quelques heures. Avec la bride, le maintien se fait plus facilement et c’est un vrai avantage.

By Dante Filyaw December 14, 2019 Off