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Medicare and California Sales Tax An Analysis

Theres a rumor going around that a 3.8 percent sales tax will be applied to home sales in order to fund Medicare under the Affordable Care Act. Although that rumor is patently false, there has always been sales tax associated with certain Medicare-covered transactions.

Specifically, if your firm sells medical supplies and has been treating sales under Medicare Part B (Medicare B) as exempt from California sales tax, it is sitting on a fiscal time bomb. Since the program began, the California State Board of Equalization (Board) has been regularly assessing sales tax on Medicare B transactions in its audits.

Even businesses reporting correctly are generally confused about why sales under Medicare B are treated differently from sales under Part A. This article will discuss the different treatments and explain how sales tax applies to Medicare receipts in general.

Some sales under Medicare are always exempt, simply because the products involved fall under the general California exemption for prescription medicines. However, such transactions are outside the scope of this article, which solely addresses products ordinarily considered taxable when sold to patients. (Medical services are exempt from sales taxes in general, in California and nearly everywhere else.)

In order for an otherwise taxable product to be exempted from sales tax under Medicare, the product must be considered sold to the United States government rather than to the patient. Sales to the U.S. government are exempt from sales tax for Constitutional reasons. This exemption has been codified in California Revenue and Taxation Code Section 6381 and is further delineated by Sales and Use Tax Regulation 1614.

Whether a Medicare transaction is considered an exempt sale to the U.S. government or a taxable sale to an individual patient depends on whether the sale falls under Medicare Part A or Part B. All sales under Part A are regarded as exempt sales to the U.S. government. Sales under Part B are considered made directly to the patient, and they are taxable unless some other exemption applies (such as the exemption for sales for resale or sales in interstate commerce). Differences between Parts A and B that give rise to this distinction are discussed below.

Financing and Participation:

Medicare A is financed through payroll withholding and self-employment taxes. Participation is mandatory for anyone within the Social Security system. Most people who pay the taxes that fund Medicare A are under retirement age and not yet eligible for Medicare coverage.

Medicare B is financed partly through monthly premiums paid by those covered under the program. The rest of the financing comes from general funds of the federal government. Anyone covered by Part A is eligible for Part B, but participation in Part B is optional. Once participants enroll in the Medicare B program, they are required to pay the monthly premiums, generally through withholding from their Social Security checks.

Cost to Participants:

Medicare A is funded entirely through self-employment taxes and the Medicare percentage withheld from employee paychecks and matched by employers. There are no costs specific to participants.

Medicare B is charged directly to each participant, generally by a monthly deduction from the participants Social Security check. The monthly costs are considered medical insurance premiums and may be claimed as an itemized deduction on the participants income tax return.

Payment of Claims:

Medicare A payments are made directly to providers of medical products or services under a procedure mandated by federal law. Since the law requires direct payment by the U.S. government to providers, medical supplies sold by providers under Medicare A are considered sold to the U.S. Government.

Medicare B payments may be made either to providers or patients. If a provider has agreed to accept assignment of Medicare benefits (which essentially constitutes agreement to accept Medicares version of “reasonable charges”), the provider prepares and submits a claim form and is reimbursed directly by the insurer acting on behalf of the U.S. government. The patient pays only the deductible, co-insurance or non-allowable costs.

If the patient uses a provider who has not agreed to accept assignment of benefits, the patient pays the entire charge and then files a claim for reimbursement. Any such reimbursement goes directly to the patient. Under Medicare B, payments are considered reimbursements of charges to the patient, whether the payments go directly to the patient or to the provider on the patients behalf.

The U.S. Governments Position:

Medicare A does not allow reimbursement for sales taxes charged on medical supplies, based on the theory that providers are selling to the U.S. government and the sales are therefore exempt.

Medicare B has built sales taxes into its calculations of “reasonable charges,” as stated inMedicare Carriers Manualsection 5213. In accepting sales taxes as allowable charges under Medicare B, the U.S. Department of Health and Human Services has taken the position that sales under the program are not sales to the U.S. government.

Sales Tax Effect:

Medicare A payments are made directly by the U.S. government to providers under federal law, which theoretically results in sales to the United States as discussed above.

Medicare B payments may be made either directly to patients or to providers for the benefit of patients, depending on each patients choice of provider. The patients ability to make this choice has been interpreted to mean that payments under Medicare B are simply reimbursements to patients. Under this “patient reimbursement” theory, any sale by the provider under Medicare B is made to the patient rather than the United States, regardless of which party prepares the claim form or receives the reimbursement check.

Both the U.S. Department of Health and Human Services and the State Board of Equalization have accepted these legal interpretations, and it appears unlikely that an effort to re-characterize sales under Medicare B as sales to the U.S. government would prevail. If the law is ever changed to make direct payments to providers mandatory under Part B, the application of sales tax could well change with it.

Although subject to tax, amounts claimed for 80 percent reimbursement under Medicare B are considered to include applicable sales taxes, because the Medicare Carriers Manual defines “reasonable charges” as including such taxes. Accordingly, when providers report their taxable sales to the Board, they are entitled to claim a deduction for sales taxes included in Medicare B reimbursements.

Conclusion:

The theoretical justification for distinguishing sales under Medicare A from sales under Medicare B may not be entirely logical, but compliance with the Board of Equalizations interpretation is the only prudent approach. If you have been treating all sales under Medicare B as exempt, you should now begin reporting those sales as you would report sales to any private party.

But what about earlier periods? If your firm is selected for a Board audit, you undoubtedly will be billed for additional taxes for those periods. However, the amount of additional taxes may be subject to adjustment. This is true not only for Medicare sales but for any area where tax changes are recommended by Board auditors. Audits incorporate assumptions and tests that often can be modified and occasionally can be overcome.

Always remember that you have the right to review any tax auditors working papers or have a sales tax expert review the audit on your behalf. Exercising that right will at least bring you peace of mind. It might also result in significant tax savings.

The Different Types Of Personal Watercraft

Personal Watercraft are typically designed for the rider to either sit or stand on. Some are designed for one person, but can carry two; and now they are made in models for three and four people to ride on. They have become more popular in recent years.

Original models were stand-up watercraft, designed for one person. Now, they are a means of entertainment and water transportation capable of holding the whole family.

They have been referred to generically as WaveRunners, Jet skis and SeaDoos, which are actual models of Yamaha, Kawasaki and Bombardier. But much like the Jacuzzi was a term used for every hot tub made until it was clarified as a brand name, there was some confusion in the past.

They have no exterior propeller and are fairly easy to use and affordable. The larger models can even tow a skier or tube behind them. They get good gas mileage, which makes them more affordable than a boat to operate. They have a kill switch, and will typically circle the rider, once they have fallen off.

While they were once equipped with two stroke engines, the majority of the newer models now use a cleaner burning four stroke engine. There are still some issues regarding the safety of personal watercraft, as accidents and deaths have been on the increase with the burgeoning popularity, and many states now require a rider to be 14 years of age to ride alone.

The other negative about the personal watercraft is normally related to some of the daredevil and careless drivers that jump the wakes of larger boats, cut across in front of bigger watercraft at a dangerous distance, and drive too fast for the water conditions, such as waves, obstacles, or currents.

For the most part, the majority of the riders follow the rules and ride them safely and at proper distance from other, larger watercraft. It is recommended that riders wear life vests and neoprene suits for the safest operating conditions.

The most popular brands are Bombardier’s Sea Doo, Yamaha’s Wave Runner and Kawasaki’s Jet Ski. All of these are similar in features, and are top sellers.

The largest personal watercraft is the Sea Doo LRV model, which is 13 foot long and 5 feet wide with 180 gallons worth of storage space, and the largest fuel tank available at 25 gallons. It has enough power to pull a skier with three riders. Bombardier’s Sea Doo has 50.3% of the United States market of sit-down type personal watercraft.

Several manufacturers like Polaris and Arctic Cat have gotten out of the personal watercraft market, leaving fewer competitors, and only the strongest remain. Bombardier, Yamaha and Kawasaki still have strong sales in the most popular units, and consumers are still in love with personal watercraft for fun and transportation.

What Are Car Fault Diagnosis

Automotive came out and during use, due to various reasons inevitably fails, to power cars, economy, handling stability, security and other changes in use. We can use diagnostic tools launch x431, lexia3, mb star. Some unexpected car trouble, some are evolving. When the car fails, experience and scientific knowledge can be used quickly and accurately diagnose the cause of the malfunction, to identify damaged parts and parts, and troubleshooting as soon as possible on the vehicle’s use and maintenance of benefit. Car, this modern means of transport, from the manufacturing factory of the day, no matter how they talk, there is a certain life. No matter how used, sooner or later are to be bad, so do not use the failure is relative, and a variety of fault occurrence is inevitable. Therefore, the reasons for failure analysis and diagnosis, help to make judgments, so that car in good condition in the case of technology running.

Reliability and easy maintenance from the point of view, automotive electronic control system should be equipped with self-diagnostic function; since the 80’s GM vehicles the United States developed the first in a new electronic control system malfunction self-diagnostic function to add, the global world-class car manufacturers emulate, have produced in various electronic control systems equipped with a fault in the self-diagnostic function; after a long period of development, self-diagnostic module will not only address the safety of automobile electronic control systems and vehicle storage memory failure also able to provide immediate car produced by a variety of system operation parameters. Since then, the “car fault self-diagnosis function” has become the new car factory and car repair workshop fault detection problem indispensable helper.

Automotive fault forming because of the following areas:

Itself vulnerable parts exist. Do not overlook the use of launch x431. Automotive design is not possible all the parts car has the same life, some parts for the car itself, wearing parts, such as air filter core, spark plugs, engine oil life is shorter, need to be changed regularly, if not timely damaged cars will be replaced or early failure.

Differences in the quality of parts itself. Auto and auto parts are high-volume and produced by different manufacturers, there is inevitably the quality difference. The use of original parts will have problems, collaborative works and substandard parts fitted to the car will have problems, all car manufacturers are working hard to improve the quality of parts, elimination of components and quality defects.

Differences in the quality of automotive consumables. There are cars on consumables such as fuel and lubricants, these added supplies of poor quality will seriously affect vehicle performance and service life, making the car more prone to failure. Add these items is often difficult for users to ensure that little carelessness will join the low-quality gasoline and low-grade oil, cars and engines on the great harm, potential users do not care, car on a problem.

It seems that a car using the environmental impact. Open-air vehicle for the use of a larger environmental impact. Pavement broad and smooth, high-speed car, failure and accident-prone; road uneven, bumpy car vibration serious injury prone. Mountain power consumption, the city waiting for the bus a long time and so make use of vehicles has greatly changed conditions, and sometimes can not adapt to the time and lead to failure, or cause unexpected damage. Technology can be used simultaneously with lexia3.

Driving skills and driving method of. Driving the car failure a great impact, greater use of undue influence. Poor management of motor vehicles not required to take the combined and periodic maintenance, driving and so barbaric and brutal will start early damage and car crashes.

Automotive fault diagnosis and repair technology impact noon. Car use to regular maintenance, a fault to make accurate diagnosis in order to fix. In the car use, maintenance, fault diagnosis and repair operations are Xuyao skilled, especially Hyundai, Technology Application in more, which requires Qiche use, maintenance personnel should understand and master the advanced vehicle technologies and new technologies. No repair and not to collect maintenance, do not know can not tamper with so old disease is not eliminated, new problems will emerge.

Therefore, the car breakdown widely present in the vehicle’s manufacture, use, maintenance and repair work of the whole process, for each link should be great attention, especially in the use of cars should pay attention to the failure, there is failure to discover and remove , can reduce automobile use during the accident occurred. More useful diagnostic techniques have mb star. Cars in use, the inevitable to various problems. Car traffic on the way, the failure to spot checks by the car driver, on the spot diagnosis on the spot troubleshooting, can the vehicle to continue driving; some larger or more complex fault car driver difficult themselves to the car mechanics and vehicle maintenance technicians to check the diagnosis, rule out the possibility. Car trouble changing, strange variety, but the fault diagnosis methods and steps are certain, as long as the basic method is correct, clear, appropriate methods, fault diagnosis is easily made.

Different Varieties And Types Of Pickup Trucks

Pickup truck is the type of truck which is categorized under the main head of trucks. There is not any specific design to produce this kind of truck. The pickup trucks are designed in such a manner that the small sized body has the capacity to carry the larger sized load. The pickup trucks are very convenient for the medium and the small sized business. Basically this is a type of truck which can fulfill nearly all the requirement of the business.

The front part looks more like a van where as the back side represents the look of the truck. The specialty is that the bed of the truck is open which allow loading even the big or enlarged sized things. The speed is also the sparkling factor as the speed is not affected by the weight of the load. The comfort in the drive also makes the customer to think about this truck. Also the safety, convenience, durability and effectively are some of the more important factors served by pickup trucks for sale.

The different features and factors served by the pickup trucks are pleasing and quite enough to increase the share of pickup trucks. Still to expand more and grow further, the various types of pickup trucks are designed to give specialized touch to each sub type of the truck. So, the sub types of the pickup trucks are listed in brief below,

Compact pickup trucks:
The compact indicates the reduced sized but in this type only the size is reduced and the performance is not at all affected. Basically the mini version of two axle drive is powered in this type. This is the type which is highly demanded in the market, among all the rest sub types of trucks. And the European market is dominated by this truck.

Full sized pickup trucks:
The full size is the truck which is covered from the back body. This is very unique and different type of pickup truck. This type is preferred more in North America for the purpose of general passenger transport. The things which are stored are covered from all the sides which protect the materials which is stored in the rainy or snowy regions.

Mid sized trucks:
The mid sized truck is usually known as the normal sized pickup trucks. The truck generally possesses 4 engine machines. The specialty of this type is the speed and the comfort which is offered to the driver to drive it more easily. United States is the place which is dominated by this sub type of the pickup truck.

Sports utility trucks:
The sport utility is that truck which has four doors and also the bed which is similar to the pickup trucks. So, the SUT comes under the sub type of the pickup trucks. It has the potential to carry all the capacity of load, whether it be light or heavy pay load.

These were the sub types of the pick up trucks where the specialized trucks are designed and brought into existence. In this manner the increased reputation and the increased sales was increased more and more by the differentiated pickup truck for sale.

Advanced Technologies in Relation to Renewable Energy

Advanced technologies in relation to the renewable energy

Someday, technological innovations will be available to anyone. These technologies will aid in reducing biological hazards and environmental dangers. Someday, those technologies may even be found unthinkable as creations but they will be successfully utilized.

This is true in connection to the renewable energy technologies.

Today, technicians and engineers are constantly hard at work trying to create world-class technologies. Day by day, news and reports are announced to inform the general public about the various inventions that are safe, Eco-friendly and important to mankind. Through research, one can discover that countries are creating their very own renewable energy technology to help save the planet from destruction brought about by the accumulation of pollution, specifically man-made pollution.

The environmental pollution has meet its match

The world is going green to safeguard the Earth from total obliteration.

At present, the technological innovations are centered on creating environments that uphold human health and other living thing’s safety. In this manner, pollution can be halted and possibly even restore the cleanliness of the surroundings.

Mentioned below are few of the highly valued inventions created to this date:

In Europe for example, research on making algae as a source of energy is ongoing. Algae are available all throughout the shores of every country making it highly commendable for energy usage. This type of energy is known as Energetic Algae. Since it is widely accessible various organizations are convinced that a sustainable energy can be produced using it.

In South West England the creation of a new technology commonly called the Wave Hub is in the process. Despite being a country known to have lesser technologies available for renewable energy as compared to others, it has still pioneered the conversion of wave energy to sustainable electricity.

Another promising development is the creation of Atlantis Resources Corporation’s AK1000. This is expected to be installed this year at the European Marine Energy Center. The AK1000 is expected to be the largest and most powerful tidal turbine ever made, it can provide electricity up to 1 Megawatt. Aside from the vast energy it can offer to residences it boosts faith in renewable energy that cannot jeopardize the environment.

Lastly the High Concentration Photo Voltaic solar technology is a type of solar power that exceeds the 40% efficiency barrier. In relation to the usual solar energy panels that only reaches 15% efficiency barrier. High Concentration Photo Voltaic technology provides three times of economic revenues. This allows more energy yields at a lower cost. Recently the Renewable Energy Institute a company that has innovated the renewable energy technology have partnered with a United States based engineering company that has been searching for locations at the southwest part of the United States of America to place the said invention.

The good things about renewable energy technologies

With so many environmental problems countries are facing these years, it is vital that the attention must be refocused on saving nature since there is only one Earth. Since the development of various technologies is very relevant in providing renewable energy, it can be guaranteed that environmental hazards will soon decrease, or even disappear.

The benefits of these technologies include halting the global warming, cleaning of the air, lessening of the carbon emissions, and saving of the plants and animals. In general, technologies aimed at renewable energy help on the salvaging of the ecosystem and regaining its normal fauna and flora.

In addition man kind can fully enjoy every daily task without causing risks through the aid of the renewable energy inventions. The High Concentration Photo Voltaic solar technology lessens monthly electric bills, the AK1000 and Energetic Algae supply alternative forms of sustainable electricity and of course the wave hub decreases destruction of the ecosystem.

Probably many people might be wondering how ambitious most inventions are, yet such researches greatly save the environment from total destruction. It is today that men need to consider the use of the renewable energy technology not just to halt the massive damage but to save the Earth for the future use of the next of generations.

With the environmental pollution as a problem and with renewable energy technology as a solution, an action today is important; tomorrow is not even an option.

Three New York Construction Workers Settle Injury Claims For $3.85 Million

Three undocumented workers have reached settlements in New York after being the victims of a construction accident. The three men suffered serious injuries due to extremely poor working conditions. One of the men, a plumber, was scalded when a pipe burst while he was working at a Wall Street construction site. Another of the men sustained debilitating injuries to his foot after a steel beam crushed parts of his lower body while on a construction site in downtown Manhattan. The final man was injured when three large metal trusses collapsed on him, fracturing his hip and causing several other serious injuries.

According the attorney for the three men, Brian O’Dwyer, “all three cases involve construction and terribly unsafe working conditions.” And indeed, this case is no exception to the experience of many undocumented workers; a large majority of undocumented workers are often forced to work in unsafe situations or risk losing their job. This alarming trend seems to be growing across the United States as construction jobs become harder to find amid the nationwide economic crisis. Of course, unsafe working conditions will invariably lead to more construction accidents, a sad and frightening fact for many of those involved in the construction field.

Executive director Joel Magallan of Asociacion Tepeyac, an immigrant advocacy group, said that while construction work is often dangerous, undocumented workers are likely to work at sites that lack proper safety equipment, OSHA regulation compliance, and required warning signs. According to several studies, both by local nonprofit agencies as well as national researchers, abuses of workers on construction sites are widespread. An especially high number of immigrant workers were represented among those whom had suffered either seriously debilitating or fatal injuries due to unsafe working conditions.

In light of the recent construction accident lawsuits against contractors and building site owners, there may be a positive side to the tradgedy that takes place so often on dangerous construction sites. With the victories of these three undocumented workers, the opportunity for workers who have been injured on construction sites to receive just compensation grows larger. The three men were awarded a total of $3.85 million in damages between them, money they say will now be used to support their families, pay for costly medical expenses, or pursue their dreams.

Despite improvements in safety in virtually every field, construction site accidents remain one of the most dangerous professional accidents. Many times these injuries are seriously debilitating and sometimes fatal. Additionally, workman’s compensation insurance may not provide enough to cover medical expenses, living expenses, and outstanding debt that might have accrued during the recovery time. To that end, it is paramount that workers who have been injured in a construction site accident seek compensation through the proper channels, such as contacting a construction accident lawyer when they have settled on legal recourse.

Avoiding Construction Site Accidents

In Los Angeles, there are different construction sites found all over the area that provide employment to people. Although working in this certain field can be beneficial for many, it can also impose danger especially if a construction site accident occurs.

Construction Site Accident Statistics

According to Bureau of Labor and Statistics (BLS), around 5,703 people are killed each year because of their involvement in this kind of accident. In addition, working in these places was ranked as one of the most dangerous occupations in various areas in the United States.

Construction site workers are often at the risk of getting hurt in an accident due to the unsafe condition of the area. The presence of power lines, dangerous machineries, trenches, and height are some of the main elements that make a dangerous working environment for these people.

Reasons for Occurrence and Injuries Sustained

There are different reasons why an accident in construction sites often takes place. Some of the reasons why accidents in construction sites happen an reasons why workers are hurt include technical errors, machine malfunction, ladder breakage, falling of construction debris, improperly assembles scaffolding, slip and falls, explosions, exposure to toxic or other hazardous materials, lack of safety machineries or equipments, and crane accidents.

Meanwhile, in the event that a construction site accident occurred, construction workers can sustain and suffer from different kinds of injuries including disfigurement, gashes, scarring, chemical burns, head injury, blindness, and concussions, among others.

Due to the serious harm that can be sustained due to this accident, people who are involved in it should ask for professional help from attorneys in their legal battle. This is an advisable thing to do especially if serious injuries were sustained and the accident occurred due to the negligence of others.

Construction Site Accident Avoidance

It is vital that precautionary measures should be taken so that the occurrence of this accident will be avoided. In addition, it will also make construction sites safe for all people, specifically construction workers. Some of the things that can be in order to lessen the tendency that a construction site accident will occur include the following:

Maintaining the cleanliness of the area- It is important that the cleanliness of construction sites should be properly maintained. This can prevent somebody from slipping due to a wet surface or tripping due to the litter scattered all over the area.

Wearing safety gears- It is advisable that construction site workers should not forget to wear safety gears so that they will have protection in the even that such incident takes place.

Do a walk though- Site supervisors should never be to busy and should always allot time to walk throughout the whole area and check if there if anything that may be dangerous or may trigger or cause the occurrence of an accident.

Fighting with an Attorney

If you are living in Los Angeles and you are involved in a construction site accident, do not hesitate to ask the help of attorneys who specialize in that certain area. Fighting with these legal experts will give you a higher chance of acquiring the just compensation for all of your losses.

Why Real Estate is Your Best Investment

Using Real Estate to Control Risks

Real estate allows you to control your risk because you can actively participate in the decision-making process. Passive investments such as stocks dont give you this opportunity. Movements in investment real estate values are less erratic than in the stock market. Most people dont understand the economic forces influencing the market. Since real estate is less volatile, its easier to control and to understand. A real estate investment is tangible. You can touch it, youve been exposed to it all your life, and you can identify with it. As a result of this familiarity, you are better able to understand it.

Effectively Reducing Your Taxes

Real estate ownership,especially midsize apartment buildings, continues to be the most popular form of investment because of its potential for substantial tax savings. Since you are able to actively participate in the management of real estate, the Internal Revenue Service (IRS) currently allows qualifying individuals to write off up to $25,000 per year against salary and other income. No other investment gives you this capability. In addition, you can defer paying income taxes on profits indefinitely by using tax-deferred exchanges.

Leveraging That Works

Real estate is the only major investment that gives you the ability to acquire ownership with very little money down. This degree of leveraging allows you to amplify profits by using other peoples money. The more assets you are able to control, the more opportunities you have to succeed. The degree of leverage is calculated by dividing the total purchase price of the property by the amount of funds used to purchase it. Thus, if a down payment of $10,000 plus a $90,000 loan is used to purchase a property, a 10 to 1 leverage ratio has been achieved. The greater the leverage, the more equity will increase or decrease with the change in value of the property.

Why Real Estate Investments are a “Smart” Way to Become Wealthy

Over 50 percent of the wealth of the world was in real estate in 2000. In the United States, real estate accounted for 48.2 percent of the wealth (of which residential real estate represented 36.7 percent). Equity investments (stocks) amounted to 19.3 percent and bonds 21.1 percent.

Real Estate Versus All Other Real Estate Investments

In the past 20 years, multifamily income properties have delivered the highest average total investment returns of all real estate types. With a built-in hedge against inflation, its no wonder that multifamily real estate has out-performed all other types of real estate investments with relatively low risk. Based on supply and demand over the next 10 years, residential income will out pace all other types of real estate investment. Strong demographic and financial indicators along with changing lifestyles should continue to positively influence apartment investments.

With an average unleveraged rate of return of 10.2 percent over the past 20 years, residential income property has proven to be an attractive low-risk investment. From 1990 to 2000 residential income investment provided a more consistent higher total average rate of return than all types of properties and with less variance.

Although 10.2 percent is a great rate of return, it wont get me on the dance floor. What will get me dancing is the rate of return using leverage. A rate based on a 25 percent down payment (leverage) works out to be over a 20 percent rate of return. This type of return definitely gets my feet moving.

Three Advantages Apartment Investments Have Over Other Types of Real Estate

Apartments should remain well ahead of other major property types because they are generally more stable. Three important factors account for this stability:
They are less dependent on business cycles for occupancy than any other types of real estate investments. It doesnt matter if interest rates and home prices are high or low, apartments are generally more affordable.
Apartments have shorter leases; thereby offering greater protection from inflation than the long-term leases associated with other properties. That is, rents can be negotiated more frequently.
The pool of tenants is much greater for apartments than other types of properties. This ensures a more consistent occupancy than industrial and commercial properties, which usually have only a few tenants to choose from.

The Building Size That Gives You the Greatest Profit Potential

When investing in apartment complexes, try to find the right building size that makes the best use of your time and gives you the greatest profit potential. Single-family houses and small apartment units do not always work because of the competition and property management problems. Managing property on a day-to-day basis may not be for you. You could spend just as much time on a four-unit building as on a 40-unit complex and not make nearly as much money. In fact, because owners of smaller properties usually become emotionally attached to their property, you tend to spend more time with them telling them that they made the right move. Larger units are the domain of the institutional investors, and you cant compete with their availability of funds. After making many property transactions, you may find, as we did, that mid-size apartment buildings are the right niche.

APARTMENTS-THE COMING BONANZA FOR YOU

Supply and demand play an important role in residential income property value. The demand for rental property is increasing because the number of people entering the rental market is increasing steadily each year. At the same time, construction costs, stricter zoning ordinances, and environmental factors are limiting the new construction of residential income property. Together, these trends bode well for investing in residential income property.

Because the 1997 tax act allows joint owners to exempt capital gains of $500,000, more and more people are selling their homes, saving their money, and moving into rental property. It is estimated that the demand for rentals is likely to increase over 10 percent during the next 10years. Residential income property offers one of the best protections against inflation. In fact, a study reported by the Journal of Financial Economics found that residential real estate is the only investment that offers a complete hedge against both anticipated and unanticipated inflation.

People always need the three basics-food, clothing, and shelter. As the population grows, the need for shelter grows along with it. The hedge against inflation with residential rentals is greater because, unlike long-term commercial leases, they are generally on a month-to-month basis. As prices increase, apartment owners can increase rents more rapidly with month-to-month leases than commercial owners who have long-term leases.

Low-rise developments or garden apartments, midsize apartment buildings, in suburban communities account for more of the buying and selling transactions than luxury apartments (which have a much smaller market). Seven out of ten millionaires made their money in real estate. Shelter is not only vital, but its often the greatest part of a persons net worth.

A midsize apartment is one type of investment that is a source of security and stability. Every investment has peaks and valleys, including rental real estate. But over the long-term, it always comes out on top. The key is knowing the right time to buy and sell. That is the golden rule in investing. This book will give you the knowledge you need to invest at the right time and right place.

REAL ESTATE: THE SHOCK ABSORBER

Real estate generally outperforms equities because of its higher yields, greater price stability, and downside protection even in a recession. When stock markets are down, real estate holds value and produces a positive return. Real estate is less prone to booms and busts than in the past. Residential income-producing real estate is now stronger than it has been in many years.

SUMMARY

Since apartment investments can be seen and touched and are not an abstract form of ownership evidenced by a piece of paper-they are investor friendly. People can identify with doors and windows, bedrooms and bathrooms, and floors and roofs. They dont feel that the market is being manipulated by programmed buying and selling. They feel they have control over their investments.

Shelter is one of the basic necessities of life. You cant comfortably sleep on gold, silver, or stock certificates, but you can stay warm and dry with a roof over your head. There will always be a need for housing. And midsized apartments fit the bill.

American Banking Company Investment Process

With the world markets, and especially the American ones, becoming more global than ever, the options for investing your capital have increased significantly. Anybody can choose to invest wherever they want no matter if they own an American company or a Swedish one – you can choose to invest your money in investment options from another continent due to modern communication opportunities. This article will let you know more aspects on the subject of American banking company investment because you see, understanding the general process of company investment banking will make you understand exactly how things are in the United States on this matter. For example, for anyone that is interested in company investment banking, commercial banks will play a very important role as investment solutions as they offer their clients not only saving accounts but also solutions of investment banking. While you may think that investment banking would mean investing in any commercial bank saving scheme, it represents the opportunity commercial banks offer their clients to invest in the banks resources. If you have a company which desires to use its capital for investment banking, the commercial bank can also offer financial and business opportunities advice.

There are two main ways in which an institution can gather funds to develop its businesses: sell parts of its stock on the stock market to increase its capital or it can search for capital in other places, such as interested investors who want to be become stakeholders in the company. In either of these ways, the banking institution can offer the company financial advice. A company that deals with financial banking can analyze the risks that could affect the company searching for new capital and offer advice on when the company should make the public offering together with the best method of investing these funds and assets. An investment banking company can give advice in the case of mergers and splits and in any other financial detail the company may require. You can assimilate an investment banking business with a private broker based on their role. Banks have been offering credits and have gathered funds in saving accounts for many years but they have been looking for new services and business opportunities. Commercial banks have begun to offer investment banking services to companies and they have diversified their financial services portfolio.

Banks have widened their operations with offices on several continents and in hundreds of countries all over the world. They have faced competition from other financial services companies with the advantage that they can also offer financial services alongside their traditional banking services. Brokers have the purpose of being the direct link between the client and the investor and the investment banking institution. They keep all the investor’s financial records and they are able to offer their customers the best possible financial advice. They deal with the buying and the selling of stock and other similar transactions and follow the stock markets closely to ensure they informed decisions at the right time. Investment banking institutions offer their partners several financial services. They offer corporate finance advice as they help companies gather funds for future development. It can help a company raise its stock value significantly and it can act on behalf of its client on the major stock markets. An investment banking institution can be an advisor when two companies decide to merge or a larger company decides to split in order to reorganize its operations and they offer their services in all countries where the bank has opened offices. The whole idea with this American banking company investment is nothing more than general investment banking for your company, but when it just means that, somewhere within that equation you have to understand American facts regarding this subject.

Hottest 50k Plus Jobs

Earn an Entry-Level Salary of $50,000 and Up with the Hottest 50k Plus Jobs

Unhappy with your present job with a pay that doesn’t compensate with your skills and abilities? It’s time to seek greener pastures! Most of the popular jobs in the United States today have an entry-level salary of at least $50,000. What follows is a list of 50k plus jobs that you may want to consider. Who knows, one or two of them may match your specific skills.

Physical Therapist

Physical therapy, with a typical starting salary of $52,573, is a career with a huge salary potential. This job may satisfy your professional and financial growth, especially if your interests are human anatomy and health care. Physical therapists who specialize in back or hand therapy have more chances of getting hired and earning beyond $50k.

Veterinarian

Pet lovers can make a good living out of treating animals. The average entry-level salary of veterinarians is $59,084. Over time, vets enjoy the distinction of having one of the most popular jobs because of the increased interest in pet care and animal research in the field of veterinary medicine.

Investment Banking Analyst

If solving mathematical problems is your cup of tea and financial investment is your passion, you may want to consider shifting your career into the investment banking industry. Investment banking analysts earn an average starting salary of almost $60,000, making this profession a lucrative one.

Electrical Engineer

Engineers, especially electrical engineers, are highly marketable. In fact, the demand for this profession is very high. Many companies are in need of young electrical engineers, whose specialty is using electricity to transmit energy needed for machines or equipment to run. And companies are willing to pay more than $50,000 as entry-level salary and as much as $80,000 plus for experienced electrical engineers.

Software Engineer

Software engineering involves designing, creating, and testing computer programs. Like electrical engineers, software engineers make good money out of their skills, as a typical salary of a software engineer starts at $56,795. IT (information technology) and computer networking have been a booming industry in the recent years, so it’s no wonder that software engineering is a very lucrative field.

Advanced Registered Nurse Practitioner (ARNP)

The demand and opportunities for nurses never seem to fade. Even if doctors earn more bucks, there’s no denying the huge salary that starting nurses usually receive: $67,166.

Junior Associate Lawyer

In the justice system, a huge long-term earning potential seems to favor average lawyers. Junior associate attorneys typically start earning $52,678, and their salary jumps to almost $90,000 in just after five years.

Pharmaceutical Sales Representative

Did you know that you can make big bucks in the field of medicine without having a special degree? You don’t need to earn a degree in medicine or science to be able to qualify as a pharmaceutical sales representative. Any college degree plus a pleasing personality can make you a good candidate for pharmaceutical sales training. Pharmaceutical sales representatives promote to doctors the newest medicines sold by a pharmaceutical company.

With these 50k plus jobs, it is possible for you to earn five- or even six-figure salaries as a starter.