Category: Real Estate

Bathroom Pods- Basic Need

by

kapilv

As we know that today everyone is running short of time. Suppose how it will be if the job we want to do finished before the time it supposed to finish. Today everywhere buildings are being developed by builders and construction based projects are such that time delay in finishing can be very crucial in terms of money and reputation. People who buy flats in building also ensure that they have fully furnished flats, fully painted and modular as well.

Prefabricated Bathroom Pods are also gives you a chance that you can complete your building projects before time no matter whether you are builder or a home owner who is building home by self. I know prefabricated bathroom pods can be seen as a relatively new concept but they have in fact been used successfully by the off site construction industry for some time and may be this is one of the reasons for continuous increase in popularity of off site construction methods over traditional methods particularly in case of environmental and sustainability of the materials as well as increased speed, efficiency and the ability to work in compact spaces and difficult areas.

If you will use prefabricated bathroom pods then it will certainly reduce requirements for skilled labour on your construction site .this will allow your construction programme to run faster. If you opt to use bathroom pods then it will definitely save your installation time. It will also provide you valuable time saving and cost efficiencies in your construction projects and on the whole they increase quality control of your project and help to encourage the building process of a wide variety of projects like hotels, housing and care homes, to the leisure sector.

Leisure sector which demands high quality and aesthetically pleasing bathroom facilities is making bathroom pods their preferred method of installation due to greater service assurance from this factory built product.

Author is an online marketer. He is writing articles from last 6 years on

Bathroom Pods

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Qualified Domestic Relations Order Georgia

by

quranhopes

QDRO or Qualified Domestic Relations Order is a special court order settling the issues arising after married couples decide to divorce. The court order mentions the financial details relating to division of pension or retirement plans of those who have legally separated and possess a single pension plan. Apart from the pension plans qualified domestic relations Georgia also considers of taking care of child support through the assets dissolved from the retirement plans.

It is advised to hire a qdro consultant mainly because of intrinsic legal activities involved in a divorce case and also because it is a time of emotional turbulence for the client where he or she might not be in a state of mind to think about the details. Qdro form Georgia provides best consultancy services in a proper and systematic manner giving special personal attention to take care of the proceedings in the case after the qualified court order has come.

QDRO must include information like name and current mail address of both the participant and every other alternate payee, name of the original plan on which the order is given, the plan identification number, exact amount or percentage of the benefit to be paid to the alternate payee and time period including number of payments to which the order applies. The administrator of the plan is the person or entity actually mentioned in the original plan and has the power to determine whether order in actually qualified.

The qualified domestic relations order Georgia should be issued by a state court or an authorized agency who has been vested with the power to issue decrees under the state s domestic relations law. For the proper legal procedure to maintain tax deferred status of the original plan, the distribution must be transferred into a new qualified retirement plan to maintain its legal nature and ultimately prove beneficial to the receiver.

With precise laws and specially noted phrases in the law, qdro consultants who are experts in tackling such cases must be vested with the responsibility. The most important stage in QDRO proceedings is the final settlement stage when the Qdro form Georgia who are specialized consultants will keep in continuous correspondence and explain the proceedings in simplified language understood by the common man, the client.

Every legal proceedings and documents involve words and phrases used exclusively by the court, attorney etc. These words and phrases are complicated and need an expert to reveal the exact meaning of the court order.

The consultants take real care of the personal dimensions of the client and perform every legal procedure including paper works, preparation of financial settlement statements and advice the best options keeping in mind the future life the client is about to lead, once the divorce procedures comes to an end.

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Nationwide, QDRO\’S, Military Retirement Divisions,401K Divorce Divisions and many other type of Retirement Divisions through the preparation of QDRO\’s or Domestic Relations Orders. For more information visit our website.

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How to Plan for your Retirement?

by

SJ Chartered Accountant

How to Plan for your Retirement?

The decisions you make when planning your retirement can greatly affect your quality of life throughout your retirement and the financial resources you can make available to your heirs.

Hence, it s very important to consider the proper planning of your retirement, available options of pre investing the existing savings and the time frame to decide when and how much you would be able to use it when required.

Saving for your retirement

Start planning and saving for retirement at least 15 years before you plan to retire and consider topping up your RRSP and using the tax refund to pay down your mortgage. RRSP is one of the best available retirement savings vehicles. It allows you to set aside money and to defer the taxes you would otherwise pay on it. Try to contribute as much as possible, and do so early in the year so your contribution can earn tax-sheltered income for the entire year.

Getting ready to retire

As you are close to retirement, you should update your net worth statement to get a clear picture of your potential retirement income resource. Prepare detailed cash flow forecasts to project changes in your expenses and sources of income as you get older. Reconsider your investment strategy as you are near to retirement, watch out the unintended consequences of the sale of asset, and be sure to investigate the existing death benefit and the survivors benefits available on your death. When you are assessing the various options, always remember that the longer the potential payout period, the lower the pension payment . You can receive pension benefits under defined pension plans at the same time under the same or another plan.

Be aware of government assistance for retirees :

?Canada Pension plan/Quebec Pension plan benefits.

?Old age Security benefits and the OAS claw back: delay or defer income until 2011 where possible to minimize the OAS claw back.

?Cross boarder payments of CPP/QPP, OAS and U.S social security benefits.

Pension income credit: aim for least $2000 of pension income annually for both spouses

?Pension income splitting: file a joint election to split pension income with your spouse.

?Integrating government assistance with your pension benefits.

Maturing your RRSP

Use the easiest routes for getting your money out of an RRSP.

?Top up your RRSP before the end of the year in which you turn 71.

?Withdraw the funds and pay the tax

?Convert your RRSP to RRIF or annuity at the end of the year in which you turn 71.

?Contribute excess after-tax RRIF or annuity income to your TFSA.

Cross border retirement planning

You should consider the various tax implications of country before deciding upon the retirement. The other country should be a key factor in your decision about where to retire comparing the taxation of your investment and pension income in Canada. If you have lived and worked in both countries, you may have built up retirement assets on both sides of the border.

Shailendra Jain;SJ Chartered Accountant; Serving Mississauga, Toronto, Etobicoke for Tax, Accounting, Audit and Advisory. http://www.jainfinancial.cominfo@jainfinancial.comPh: 416-622-1221

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ArticleRich.com

By James Leong

What are financial ratios and how can you use them to evaluate a company for your personal investment?

In this article, we will explore a few key ratios that can help you assess a company for investment potential.

So what are financial ratios?

Imagine going for a blood test as part of a medical examination. Your blood sample will be sent to a lab for analysis, and the results will be compiled into a medical report. The medical report would indicate a list of different numbers or ratios. For instance, if your total cholesterol to HDL (good cholesterol) ratio is less than 4.51, you are considered healthy.

Similarly, financial ratios are simply relationships between numbers.

Let’s explore a key ratio, ROE, for a start.

ROE

ROE is Return on Equity. It is the Net Income to Equity ratio. Equity is how much shareholders have invested in the company as share capital. It also includes the amount of profits that the company has made and not paid out as dividends. In other words, its retained earnings.

Together, they represent the amount of shareholder funds that have been committed into funding the business.

Net income is how much profit the company has made, net of taxes.

If net income is $10 million, whereas equity is $100 million, then ROE will be 10%.

In other words, the company will take on average 10 years to recover its capital invested. If, on the other hand, ROE is 20%, it takes the company only 5 years to recover its capital invested.

Hence, you can see that ROE is a powerful concept in assessing company profitability.

Minimally, you would want to invest in a business that has atleast a double-digit ROE to make it worth your while.

Payout ratio

Recall earlier that retained earnings represent profits that the company has made and not paid out to shareholders as dividends. The payout ratio is computed as Dividend/Net income. So, if the company is paying out 70 cents for every dollar of profit it made, the payout ratio would be 70%.

Retention ratio

Conversely stated, the Retention Ratio is equal to 30%, which is simply one minus the payout ratio. This means that the company is retaining 30% of its profits as reinvestment into the business.

Expected growth rate

Now we are ready to put the ratios together to good use.

If a company’s ROE is 20%, and its retention ratio is 30%, at what rate is the company likely to grow its earnings?

The answer would be 6%, since 30% of what is retained will be growing at the rate of ROE of 20%.

You can determine if you are satisfied in investing in a company with such a growth rate.

Dividend yield

The company will declare a certain amount of dividends it will pay for every share that you own.

If you take this number and divide by the current share price, the result is the Dividend yield.

While the ROE measures how well management is deploying shareholder funds as a whole to earn a profit from a total company perspective, the Dividend yield allows you to make certain comparisons between investing in bonds, REITs (Real Estate Investment Trusts), money market funds or simply leaving it in fixed deposits.

High or low?

Should you select to invest in a company with a high or low dividend yield? As a guide, if you invest in a blue chip stock that pays you a dividend yield higher than the fixed deposit rate, you should be much better off. However, since fixed deposit rates are so low now, it is not hard to beat. The other benchmark would be to earn a yield higher than the government bond rate. The threshold should be higher, and you should expect to be compensated for taking a higher risk of holding to a stock as compared to a bond.

On the other hand, be careful if the dividend yield is too high. This could mean that the company is paying out too much dividend and not reinvesting in the business, which is not sustainable. The other possibility is that investors do not feel confident about the company and therefore only willing to pay much less for the stock, thereby driving down the share price.

About the Author:

James Leong

C. Foo, Chartered Accountant, is CEO of VisionsOne Consulting Pte Ltd. and Adjunct Associate Professor with National University of Singapore. His highly popular workshop, Finance for Non-finance Managers, coaches managers and executives on using financial numbers to drive their business better. James can be reached at jamesleong@visions1.com.sg.

Source:

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Paying For Elder Care Just Got Easier

by

Tarnow2008

It’s not a surprise that thousands of families across the nation are facing the challlenges of an aging population. The “sandwich” generation, those who are caring for their children as well as their parents, have been feeling the financial pinch of caring for loved ones. Paying the high cost of Elder Care can cost a family thousands of dollars a month. Too many families are unaware of how utilizing a loved one’s life insurance policy can not only pay for Assisted Living and Nursing Home care, but can maintain the standards of living for the remaining spouse.

A skilled nursing home is a medical facility providing services similar to a hospital. The homes are staffed with licensed nurses, shared rooms, hospital beds, regular scheduled doctor rounds, meals and housekeeping. Skilled nursing homes often provide a more pleasant setting with optimal nurse to patient ratios and relaxed atmospheres.

Skilled nursing homes provide both long-term and short-term care solutions for seniors. Unlike Assisted Living or Board and Care homes, skilled nursing homes provide solutions for patients with complex medical issues that require 24-hour supervision. These issues can include mental issues such as dementia and physical issues such as major infections, wound care, IV therapy, tube feeding and physical/occupational therapy. Skilled nursing facilities are also a common solution for seniors that are unable to care for themselves on daily basis such as those suffering from Alzheimer’s and Parkinson’s disease.

A skilled nursing home typically provides a team approach when providing medical care to patients. A licensed individual, usually called the “administrator”, oversees the departments comprising the skilled nursing home. A licensed Director of Nursing [“D.O.N.”] is then responsible for the administration of each department providing care to residents. Each D.O.N. is directly involved in the medical care of each patient. Their duties include overseeing nurses, interacting with physicians and resolving any patient-related issues. In essence, the D.O.N. is the person overseeing the day-to-day medical care of the patient.

In addition to the Director of Nursing, a skilled nursing home will customarily have other professionals on staff to assist patients. A med nurse is always assigned for the sole purpose of administering medications prescribed for the patients. Physical and occupational therapists also work within the structure of care, coordinating specifically ordered therapies and reporting progress to doctors. An activities director is in charge of all social interaction and planned activities. Finally, a social worker is typically on staff to assist patients with emotional issues and arrangements for their care after discharge.

Skilled nursing homes provide both long-term and short-term care solutions for seniors. Unlike Assisted Living or Board and Care homes, skilled nursing homes provide solutions for patients with complex medical issues that require 24-hour supervision. These issues can include mental issues such as dementia and physical issues such as major infections, wound care, IV therapy, tube feeding and physical/occupational therapy. Skilled nursing facilities are also a common solution for seniors that are unable to care for themselves on daily basis such as those suffering from Alzheimer’s and Parkinson’s disease.

Articles provide a general overview.For more helpful advice,information,videos & self help books please visit:

Paying For Elder Care Just Got Easier

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An Insight into the Real Estate Lawsuit

by

kristenzack

This article should help you understand what your real estate attorney is talking about when you discuss your real estate lawsuit. States like Miami have their own laws which apply specifically to real estate transactions and real estate lawsuits.

There require a number of possible legal causes of action in a real estate lawsuit. How do you know which causes of action are applicable to your real estate lawsuit and what these legal terms mean? The most common cause of action in a real estate lawsuit, in Miami, is a breach of contract.

Majorly, parties have to either sign a written or oral agreement governing their business dealing. In a breach of contract action the plaintiff is entitled to sue the party to damages. This is why it is the main cause of action in real estate lawsuits.

The second most probable cause of action in real estate litigation is specific performance. A lawsuit for specific performance can ask the jury to make the other party perform what it had promised to perform.

Specific performance is often used in real estate litigation since Miami law finds that real property is unique. Therefore a breach of contract to purchase real property can be specifically performed, meaning the court will order the sale or the purchase of the property rather than just awarding monetary damages. For instance, a buyer can through the power and order from the court compel the seller to go with his promise to sell the property and not to violate the contract.

The third most popular cause of action popular in real estate litigation is a lawsuit among co-owner of property- Partition. A partition lawsuit involves a simple process as to how the lawsuit will proceed and how the action will be resolved. This usually involves a determination of the ownership, an appraisal of the property, and an accounting of the income and expenses. In the end one of the co-owners usually buys out the other or the property is sold and the proceeds are distributed. Unless you are a real estate attorney, you may not know whether the fight you are having should be solved through a partition lawsuit or a breach of partnership contract lawsuit.

A breach of fiduciary duty is the next common cause of action in real estate disputes. For example one who has diverted the best real estate deals or tenants to himself or his other properties without disclosing it to his other beneficiaries could be liable for a breach of fiduciary duty.

Then there comes boundary disputes, where you have reasonably relied on the misrepresentation of your property owner. It is a lawsuit arising over misunderstandings over the boundary lines and where and who is entitled to use a certain piece of the land. Boundary disputes are usually settled by a quiet title. Whenever there is a dispute over property ownership, a quiet title is usually suitable.

Consulting with an attorney on a matter of commercial real estate or residential real estate can help you anticipate disputes and take steps to prevent them. If you have questions about real estate lawsuits, the best way to get answers is to talk with an experienced attorney.

Kristen John is a leading corporate attorney in Miami dealing with cases on corporate law attorney Miami,

Real estate litigation Miami

, loan modification law Miami,

Real estate attorney Miami

, condominium law and business law Miami. You can speak with real estate lawyer Miami, by calling at 954-668-2508.

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ArticleRich.com