where to by dogs ??

Are you looking for a place where you can by a dog? if that so, you will find it here. Have a look around, there are many online stores that sell dogs in my page !! see it ??

In fact, there is many online stores that sell a wide variety of dogs, some have specialized in selling the Puppies only, most people are confused where to by a dog just because amazon does not sell animals. It is dissapointed.

There are some guidelines before you by or aim of adopting a dog, here some tips on Choosing a Dog for You

before deciding to by a dog, consider the following things:

1) Provision of time: How much time that you have to take care the dog. This is important, because many people by dog, do not have time to care dog or animals, and then leaving him in a backyard without any socialization is really cruel. think about it ..

2) Your health or your family, if any, is your family members are troubled by the presence of animals in your home? , for example alergic of fur. If that so, consult a doctor before by a dog.

3) The cost, sometimes we forget and unprepared about money that we spent, before by a dog, calculate how many cost will be go out for the dog. poor dog, he's just one meal / day. :)

4) Your home, Is your house can accommodate a dog? Do not chained dogs in your backyard, the dog is part of the family as well.

5) The frequency travel, are you travel frequently, and it is your lifestyle? if so, maybe a dog is not your lifestyle. let the other families by and take care the dog.

6. Purpose: what's your goal to by a dog? for protection? for a family friend?

7. Knowledge? caring for a dog is not a difficult job, but requires knowledge, lest you face the situation where your dog is no longer healthy and attractive just because you do not know how to care for a dog, learn about this also before by a dog. where to by dogs ??

10 Tips to Make Sure Your Financial Budget Will Succeed

By Greg Quincy

You’ve analyzed your past expenses, put them into spreadsheets, loaded Quicken with all of your data and come up with a budget. Now what? The tough part! You actually have to stick to your budget and put your plans into action. This is easier said than done. In many cases you will have forgotten about your budget and your financial goals 6 months or a year down the road. How do you keep this from happening to you?

Here’s how. Make sure you follow some of these tips below so this doesn’t happen to you.

1. Create a budget with realistic targets – Let’s say one of your budget goals is to not eat out for lunch or dinner on a regular basis. If you are honest with yourself you may find this to be an unrealistic goal. Sometimes it’s a nice break to eat out and have a relaxing rewarding evening. In other words, don’t set the bar too high. Drastic and unrealistic goals are one of the surefire ways your budget will not succeed.

2. Budget for expenses that don’t occur on a routine basis – Make sure you give consideration to expenses that occur once a year, such as holiday presents, birthdays, vacations, weddings, car maintenance costs, etc. These expenses don’t occur every month and they will bust your budget plans wide open. Make a list of these events on a calendar and put a dollar figure to them. Place them in the month they are expected to occur so you can plan in advance how you will pay for them. The regular routine expenses are not the reason your budget will fail. It is these “gotchas” that will wreck havoc on your budget if you don’t plan for them.

3. Put your budget in writing – Take the time to write down your budget plans. Making a mental note of your budget goals is a recipe for failure. Don’t assume that your financial future will take care of itself by making a simple mental note to yourself. If you have your budget goals detailed in writing you can review and remind yourself weekly and monthly of your financial goals.

4. If you have a bad month or week, don’t give up! – Let’s say you have been reaching your budget goals for three months. In the fourth month, for whatever reason, you didn’t reach your budget goals. Maybe you even stopped trying to stick to your budget! If this happens, don’t just throw your hands up in the air and admit to failure. Everyone falls off the wagon sometimes. Your budget is a journey. There will be bumps in the road, so the key is to realize that everyone makes mistakes. This relates to a story I like about a great old time golfer named Walter Hagen. Before each round of golf, he told himself that he would have 4 or 5 bad shots. During the golf round, if he hit his ball into a bunker, he would tell himself, “There is one of my bad shots that I was expecting”, hit the ball out of the bunker and move on. It didn’t phase him one bit because he had knew there would be some bad shots in his round.

5. Adjust your budget over time – This one is a biggie! It can take months or even years to fine tune a personal budget. When you initially made your budget plans, you probably had to guess at some of your figures. They might not have been in touch with the realities of every day life. For example, you may have underestimated your monthly grocery or utility bills. If this happens, analyze all of the underlying money that was spend in this category to see if your initial estimate was unrealistic. If it was, try to come up with a more accurate number and then to stick to that new figure. It is this type of adjustment that is one of the keys to making sure you can stick to your budget.

6. Review your budget every month – This is where you will make any adjustments that are needed. Set aside the first day of each new month to review your income and expenditures and match them to your budget goals. By actively reviewing your finances and comparing it to your budget, you can adjust your spending habits. This gives you a chance to analyze areas that exceeded your budget expectations and make the adjustments in your spending habits or your budget. The goal here is to not forget about your budget. One tip that has worked for me is to put a printout of my basic budget goals on the refrigerator. That way every day, several times a day, I would notice my budget goals sheet. I may not read it every time, but I notice it and it reminds me that I need to stick to my budget. That is why tip number 3 is so important.

7. Set specific short-term goals – Let’s say one of your budget goals is to have all of your credit card bills paid off in two years. If your credit card balances total $20,000 that would be $10,000 a year. Divide that number further into quarterly reductions in your credit card bills, in this case $2,500 every 3 months. Now, this is a more tangible budget goal to shoot for isn’t it? I find that when I divide intermediate and long term goals into short-term tangible stepping stones, I am able to feel a greater sense of accomplishment and am more likely to succeed. This brings us to number eight…

8. Reward yourself – That’s right! Treat yourself when you reach your some of your short-term goals. Since your financial budget is really a journey, take some time to smell the roses on your way. Sticking to your budget should not be a restrictive, unpleasant experience. Not only should you take the time to enjoy your financial accomplishments along the way, but use part of your budget for fun things that you enjoy. Just make sure your rewards don’t end up breaking your budget!

9. Pay yourself first – I’m sure that one of your budget goals is to save and invest a portion of your income. One of the keys to make sure you succeed at this is to do what the IRS does with your paycheck, take it out of your discretionary income immediately. This way, the money is saved away right off the bat. Move the money immediately into a savings or mutual fund account. Many mutual fund companies can setup automatic deductions from your paycheck. Despite your best intentions to save, the hectic, daily demands of life can reduce the amount you are able to save.

10. Attitude is everything – When most people think of a budget, they picture restrictions and pain. Almost like a diet. You know what happens with most diets? They don’t seem work for long! First, if your budget is too strict, too restrictive on your spending, it won’t work either. However, you will need to limit your spending in some areas and this will take some adjustment in your attitude. I found that when I am feeling limited and sorry for myself when I can’t purchase something that I want, I remember my financial goals I set with my budget. I think about the satisfaction I feel when I reach those goals. Over time, you find that you don’t want to disappoint yourself by breaking your spending goals on a spur of the moment purchase. Now, I actually get more pleasure knowing that I am reaching my budget goals when the thought of an impulse purchase crosses my mind.

If you follow these tips, your budget plans are more likely to be a great success. By taking some simple steps you will find that living within a budget is not as tough as you imagined. It can actually be fun and rewarding!


About the author:
Greg Quincy is the publisher of the website www.financialtipsforyou.comoffering his insights and tips that he has gained from working in the financial industry and the economic challenges of raising a family.

4 Bulletproof Strategies that Let Real Estate Professionals Cut Their Federal Taxes

By Chris Bird

Never Invest a Cent Without Considering the Likely Tax Impact on Yourself

Realtors® and others in the real estate field see first-hand the steady increase in property values. Everyday, you assist both buyers and sellers to profit from it. You can spot the "good buys" and insider opportunities. But when you're the buyer, don't get so caught up in "the deal" that you forget to factor in the tax savings or costs that come with it.

Just as a property with critical easement problems deserves extra scrutiny, the same is true for any investment with tax complications. An investment (a real estate trade, for example) may look very different once the related federal tax consequences are calculated. Title defects shown by the title insurance report must be resolved before the closing. Be as careful to take into account tax scenarios that could diminish your true financial return going in.

I constantly travel the country, conducting 150 seminars a year for Realtors® and financial professionals. As a former IRS employee and tax expert (CFP and Enrolled Agent) I remind audiences that it's not how much you money make, but how much you keep that determines your true earnings. Being savvy about IRS rules helps you size up potential investments wisely, so you'll keep more of what you earn in the long run.

1. Depreciation Saves Money Several Ways

Depreciation is different than all other business expenses, since you don't have to actually spend those depreciation dollars to claim the expense. Yet depreciation gets to be added to the operating expenses, property taxes, and interest on the loan to offset the rental income. Since there's usually a tax "loss" during the first five to seven years a property is owned, that shelters your other income from taxes from the first year you own it.

Full-time real estate professionals may be able to deduct 100% of their rental property tax losses from their income. That's not true for people who spend less than full time as real estate professionals or rental property owners. Details are spelled out in the Internal Revenue Code 469(c)(7). The key factors for this deduction to apply according to IRS MSSP Guidelines (Feb. 1996) are this:

Beginning with the 1994 year, a taxpayer who meets ALL of the following can deduct current rental real estate losses in full regardless of how high his/her Adjusted Gross Income might be:

A. More than half of the taxpayer's personal services in all businesses must be in real property businesses. A real property business is real property development, construction, acquisition, conversion, rental, management, leasing, or brokerage .

B. The taxpayer must spend more than 750 hours a year in real property trades or businesses.

NOTE: For time to be counted in either of the above two tests, the taxpayer must materially participate in the activity.

C. The taxpayer must materially participate in each rental real estate activity unless he or she has filed an election to group all rental real estate activities as one (for purposes of materially participating). See your accountant for more detailed information on this issue.

2. Re-think Your Interest Costs

Do not justify running up your debts to generate tax deductions. For an individual in the highest bracket, for every dollar of interest paid, the tax savings is only 35 cents. This means you paid 65 cents for nothing. (For an individual in the 28% bracket you paid 72 cents for nothing.) Don't spend the money if the main reason you're buying it is to "buy" a tax write-off.

When in doubt, remember the saying: Borrow to purchase appreciating assets, pay cash for depreciating assets.

3. Pay off Existing Debts

The rate of return on the funds used to pay of a debt is equal to the rate of interest being charged on it. For example, when you pay off a credit card where you owe $5,000, which bears an 18% interest rate, you have just guaranteed yourself an 18% rate of return on that money.

Some of the best investments are the easiest. And here's a strategy that puts more funds into your pocket right away-that won't even cost you any taxes.

4. Deduct All your Equipment Purchases the First Year

The IRS permits you to write off up to $100,000 of equipment the first year you buy it
(IRC 179 deduction). With the deduction limit so high, Realtors® can deduct all their purchases of equipment - and that's not limited to computers, desks, PDAs, etc. By significantly reducing your taxable income, the social security taxes that would be paid on it are also reduced.

Two concerns need to me kept in mind when you use this expensing election. Taxes saved must be repaid upon sale of the asset(s), but that amount will not be subject to social security taxation. The only exception regarding recapture (in the prior sentence) occurs when the business use of the asset falls to 50% or less.

Being Tax Savvy is the Mark of a Professional

Your long-term tax consequences are as important as PITI (principal, interest, taxes and insurance) when you're assessing a real estate deal. For any investment or purchase to make sense, it needs to make good tax sense as well. That's what determines how much money really ends up staying in your pocket in the long run.
©Chris Bird, 1005


About the author:
Chris Bird Conducts 150 seminars a year for Real Estate and Financial professionals Wealth building, financial planning, residential rentals, tax strategies, accounting Certified Financial Planner (CFP) IRS Enrolled Agent Chris@ChrisBirdSeminars.com

3 Tips to Help You Sell Your Timeshare - For More

By John McIver

The values of timeshares are constantly changing. There are numerous timeshare-selling companies arriving every day. Timeshares are big business, and when one wants to sell a timeshare, the object is to gain more money than what he or she paid for. Here are several tips that can help anyone seeking to sell his or her timeshare make a profit.

1. Choose the right company. There are many timeshare sellers out there, and unfortunately, some are scams. It is important to do research on any company before advertising your timeshare with them. Watch out for companies offering to sell a timeshare within a certain timeframe, or for a certain amount of gain. Some say that reputable companies will not charge more than $50 for an ad. This is not true. Some of the best companies have ads that are more than $200. It is important to understand what the company will do for you. If you believe that the company will help you make a profit on your timeshare, or at least help you break even, then it is worth a large investment.

2. Set aggressive prices. Once you find a company to advise you, they will likely suggest a selling price that is significantly lower than what you paid. This is good advice. Some sellers attempt to sell their timeshares for more than they are worth, and end up being forced to lower the price, and possibly losing large amounts of money. The longer a timeshare stays on the market, the less likely it is to have a high yield. Depending on the company and the market, timeshares may be sold at least 20-30% what the resort is currently selling. The best prices will naturally attract buyers.

3. Get exposure. Choose a company that will expose your timeshare to the most potential buyers. Quite simply, a timeshare that is for sale will not sale if no one knows about it. Some companies claim that they have high exposure, but always check the facts. A company may claim to be number one in a search engine, but you should never be afraid to investigate further. A good way to test a company's claims is to search for timeshare-related keywords in Google. Observe the companies’ rankings on specific keywords, and you can attain a good idea of their exposure to a potential buying audience. Many customers selling timeshares fail to check the facts and lose money as a result. In order to make money, you must get exposure.

It is important to understand the market in which you are selling your timeshare. Most timeshares decrease in value and it is important to understand and accept this fact. With the proper advice and the proper approach to selling, a timeshare can make a seller large profits. Always have an aggressive price for your timeshare and choose the company that is best for you. Finally, gain the most exposure for your timeshare sale as possible. Following these rules will help make your timeshare sale experience a success.

About the author:
John McIver enjoys writing about timeshares. Learn more at http://www.sellmytimesharenow.com.