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I invite you to take the next few minutes to learn the truth about the real estate market, how it compares to other methods of building assets and why it is such a lucrative form of investing. Many potential investors will say, ‘I need to get into the Florida Investment Property market’, especially taking into account current stock market fluctuations and the HOT market for investment properties, but simply don’t know the facts about Orlando property investing and how to use sale and leaseback method of property management.When is the last time your financial advisor or stockbroker tried to convince you that moving a portion of your assets into the Florida Investment Property market might be a good idea? Never Right? The ‘why’ is simple. They don’t earn commissions when you buy Florida Investment Property. It is also likely that you have probably never had an ‘apples to apples’ comparison of stocks versus Florida Investment Property quite like the one you will see here.Reason 1:Leverage: Banks will not typically loan money to buy stocks. Banks will however, compete fiercely to loan money to buy Florida Investment Property. Your first question should be, ‘why is that’? It has to do with risk management, which we will discuss later. The fact that banks want to loan you money to buy Florida Investment Property creates a situation which we will call LEVERAGE.Let’s assume that you have $10,000 to put into some type of investment. If you choose to buy $10,000 worth of stocks, you will own exactly $10,000 worth of stocks. Pretty straight-forward. However, suppose you choose to invest that $10,000 into Florida Investment Property using a 90% mortgage (which in many cases can go up to 95-100% mortgages in today’s market), you will own $100,000 worth of Florida Investment Property. If both of your investments were to appreciate by 10%, your actual gain with your stocks would be $1000 where your actual gain with Florida Investment Property would be $10,000. That equates to an actual 10% return on investment vs. a 100% return on investment. That’s what we call leverage.Leverage: Florida Real Estate vs. StocksThe traditional argument against Florida Investment Property Investing (mainly from Stock Brokers) has always been ‘I can get an average of 10% from stocks with little effort so why would I invest in Orlando Investment Property that only appreciates 6-7% per year’? This point-of-view is not taking leverage into account.If you take the above statement to be true and compare the REAL numbers, the stock investment gained 10% of the initial $10,000 value (or $1000) and the Orlando Investment Property investment gained 6% of the initial $100,000 value (or $6000). That is still an actual return of 10% versus 60%. It is not hard to see which investment provides a greater immediate return on investment. Additionally. these numbers do not take into account any income from your property during the course of the year, or the substantial tax advantages to owning property, which we will discuss later.Reason 2:Value: As we mentioned previously, if you invest $10,000 into purchasing stocks, you own $10,000 worth of stocks (a fairly obvious point). If you invest $10,000 into purchasing Orlando Investment Property using the leverage of a 90% mortgage, you own $100,000 worth of Orlando Investment Property right? Well, only if you paid retail for your property. Any savvy investor will tell you that there are excellent deals to be had in Orlando Investment Property, you just have to find them.What if you purchased a $100,000 property that happened to be worth $110,000 the day you bought it? Does it happen? The answer is yes, all the time. If you have your eyes open and are willing to ‘go through the numbers’ to find good deals, they are all around you. You may be asking yourself, why would anybody sell a $110,000 property for $100,000?Value: Making money when you buy.The reasons are endless as to why a quick sale is desired, but just to name a few: job relocation, divorce, an estate is being settled or maybe a current appraisal on the property simply wasn’t done prior to selling. By ‘finding this deal’ you have accomplished two things.You have added $10,000 to your asset column in the form of equity.You have created additional LEVERAGE for yourself as the value of your property increases (a 6-10% gain on $110,000 is better than a 6-10% gain on $100,000!) Remember, you make money in Orlando Investment Property when you buy, not when you sell.Reason 3:Control: Let’s take our assumption one step further. When you buy your $10,000 worth of stocks, what can you do to increase its value? If we follow the previous assumption, you have invested $10,000 using a 90% mortgage to purchase a $100,000 property that has an actual value of $110,000 because you ‘found a good deal’. So what can you do to further increase the value of your new $110,000 property?It is amazing what a cleanup, a little landscaping and a paint job can do to increase the value of a property. Only a few hundred dollars well spent can result in huge value gains in Orlando Investment Property. Your $110,000 property with a little effort could easily be worth $115,000, $120,000 or more virtually overnight! Do you have to do any of this work yourself? Absolutely not! If you like to do that sort of thing then have at it, but if not, simply hire it done and accept a little lower net gain.Reason 4:Superior Tax Position: The tax code in the United States is geared to reward Investors who make housing and other property available to the population. When you invest in stocks, you are taxed at some of the highest rates in the tax code. When you invest in Orlando Investment Property, you put yourself in one of the best tax positions in the business world. Remember the wealthy that hold substantial portions of their assets in Orlando Investment Property? Tax advantages are one of the main reasons this is true.Continuing with the above example, let’s say that you have completed your ‘deal’ with the $10,000 invested with a 90% mortgage to purchase the $100,000 property that appraised for $110,000 (because you ‘found a good deal’), which you improved to say, $115,000 by spending another $1000 on cleanup etc. Assume that one year passes and the Orlando Investment Property market grew by 6%, your property would now be worth $122,000. So far, so good right? If you are like most people, you may want to spend some of your hard earned money.Let’s do the numbers. You have a mortgage at current rates that started at $90,000 and after a year worth of payments (the majority of which are tax deductible) you still owe approximately $89,000. However, your property is now worth approximately $122,000. If you were to refinance at 90% once again, you would take out a new mortgage of approximately $110,000. This will leave you with approximately $21,000 in cash in your pocket. Now, the BIG question; do you have to pay tax on that money? Absolutely Not! You have not sold the property or realized a ‘capital gain’. You have simply borrowed money from yourself. You are able to do what you wish with that money, free from any tax whatsoever. Obviously, a good strategy might be to purchase two more properties just like your first deal!Also, we have not taken into account the fact that ALL of your interest payments on this property are tax deductible. In addition, you are also able to depreciate the property itself and all of its contents for additional tax advantages if you choose to do so.Let’s be fair and compare the Orlando Investment Property tax position with the stock scenario. Assume that the $10,000 initial stock investment grew by 10% in the first year, creating a gain of $1000 and you wish to access it. If you draw it out, you will pay from 20-28% (or higher) in capital gains tax in order to have access to this money. This reduces your net gain to $800 (actual 8%) or less, depending on your tax situation. Compare that to Orlando Investment Property and you are beginning to get the picture.Reason 5:Limit Your Exposure To RiskRisk Management: Do you remember at the top when we said that banks would compete fiercely to loan you money on Orlando Investment Property? The answer to the ‘why’ is very simple. Low Risk. Banks incur little if any risk when loaning money on Orlando Investment Property due to the steady, solid growth rate of the property market, as well as the fact that if you default on your payments they will simply sell the property to somebody else. This is in direct contrast to the volatile stock market, which can vary daily with sharp increases and decreases in value. Furthermore, banks realize that a property isn’t going anywhere, whereas many investors know all too well about .com and other types of companies that were there yesterday and gone today.This is all not to say that Orlando Investment Property markets don’t go down from time to time, however the dips are much less dramatic than that which can take place in the stock market, proven out by the banks’ willingness to loan money on property.Reason 6:Protecting your peace of mind.Finally, Now that we understand the value of leverage and risk management we realize that a 6% Orlando Investment Property gain ‘beats the pants off’ a 10% stock gain in actual return on investment by a wide margin (approximately 50%, not taking into account several factors that can increase this number such as tax advantages, income on property etc.) Owning good, solid Orlando Investment Property allows you to sleep at night, or go on an extended vacation without worrying about your asset column. This is directly opposed to holding a substantial percentage of your assets in stocks.

To counter the problem of health-care financing in the USA, Consumer-directed health care (referred as CDHC) has emerged in the recent past, designed to decrease the health spending by providing financial incentive for consumers to choose the best health care proposition. With both public and private sector financiers looking to reduce their health-care expenses, CDHC has been opted as a way of bringing greater efficiency and cost control into health care.Consumer Directed Health Care refers to health insurance plans that permit patients to use medical payment products like personal Health Savings Accounts, Health Reimbursement Arrangements etc as a mode of settling the routine medical claims. So, patients have more control over their health budgets as they pay through consumer-controlled accounts for routine medical claims as opposed to a fixed health insurance benefit. Principally, it aims at giving patients greater control over their health care, both economically and medically. It is also meant to improve healthy competition among health care providers to increase the range of patient control.Consider this example. A health savings account (HSA) linked with a high deductible health plan lets you take care of routine claims through HSA and other high claims through the regular health plan. This is a typical CDHC plan with a lower premium than a traditional health plan premium, allowing you to take charge of your routine health-care expenses in turn making you more aware of the cost and quality of care involved before spending your money.There are tax advantages as well like in the case of HSA. However, each individual needs are different and a health insurance plan must be taken after careful consideration and professional advice on the matter.

Home health care is a delicate matter and must be handled with tact and commitment. There may come a time when a parent or other elderly loved one is no longer able to safely support themselves on their own. Home health care is a viable alternative to sending someone to a nursing home and is a convenient option that enables your loved one to get the care they need without having to be uprooted from their home. With an enormous amount of options, it can be tricky to find the best service but continue reading and you will discover several easy tips for finding a high quality home health care provider.Get References/RecommendationsAny successful home health care provider should have references or recommendations readily available. Talk to your loved one’s doctors, attorney, financial advisor and other members of the community that may know of companies that offer a premium quality service. Your local Area Agency on Aging will have a list of providers you can look at. If this agency or a hospital social work department can give a recommendation that would be great because they rarely do so and tend to save such references for the very best services.Find Out Your LiabilityWhenever you hire a private home health care provider, please understand that there will be certain liabilities involved. Be sure to learn more about insurance, taxes, worker’s compensation, training and background checks before making any decisions. If you use an employment agency to make a hire for example, you could become the official employer of the caregiver which means responsibility for payment, taxes and numerous other obligations.Analyze Their EquipmentOnly consider home health care providers that use cutting edge communications and monitoring technology. Don’t be afraid to ask questions. For example: How long does it take the service provider to find out if their employee has not turned up? How do they communicate with you? Do they provide online monitoring? Be specific with your questions and don’t be fobbed off by vague answers.Know Your ProviderAs this company will be responsible for taking care of your loved one, you need to learn more about them and how they operate. Find out if they allow you and your loved one to interview candidates for the job and get information on how they train and support their team. Additionally, you need to find out how many different caregivers will be responsible for providing care. It is best if only 1-2 staff members are involved to maintain continuity. Your loved one should not be subjected to the confusion of having several different strange people in his/her home.Remember that home health care is not a ‘one size fits all’ solution and the company you choose should have the ability to provide a service specifically tailored to the needs of your loved one. The home care agency you choose should be licensed and subject to state regulations but there will always be qualifications and skills that sets one provider apart from all the rest. Don’t settle for second-rate home health care, do your research and ensure the person you love receives the best level of attention and support possible.

Quick weight loss diets are popular due to the faster initial weight loss they can achieve and they are less harmful and more beneficial. You lose weight fast during the initial stages, due to the net loss of water weight since protein and carbohydrates both help hold water in body cells. Quick weight loss diets are just a temporary solution and do not help you to make permanent changes to your eating habits.

Does this mean that quick weight loss diets don’t work? They do, but only when you understand the role that quick weight loss diets play in your overall lifestyle. The important thing before starting any diet regimen is to ask, “Can I do this for the rest of my life?” If the answer is no, then don’t try the diet; it will only harm you in the long run if you start a yo-yo cycle of weight “loss-gain-loss” again and again.

Quick weight loss diets are not intended for prolonged use. Although you may not notice a problem at first, your body will soon stop responding to the diet and the weight loss will reach a plateau. Quick weight loss diets, say professional dermatologists, often lack proper nutrition and rapid weight loss in itself can also trigger metabolism changes that affect hair growth. For the healthiest hair, physicians say that the best weight loss programs are reduced calorie diets that promote gradual weight loss and a healthy diet using foods from all the food groups.

Exercise and diet go hand in hand with a successful weight loss plan. Exercise should be enjoyable, otherwise you won’t continue. If you feel you don’t have time for anything, try jumping rope, or incorporate your exercise into something else you do, for example, if you work or live in a high rise building, take the stairs up and down. Exercising does you no good if you just go out and eat more when you are finished. Dieting is the first key to any truly successful weight loss, especially when you want to make sure that you not only get those pounds off, but that you keep them off, too.

Quick weight loss diets do work, but they work even better combined with regular sustained physical activity for forty-five minutes or more at least five days a week. Remember that it’s important to check with your physician if you have a substantial amount of weight to lose, if you have any type of health condition, and/or you do not exercise on a regular basis or are sedentary.

Eating breakfast every day is contrary to the typical pattern for the average overweight person who is trying to diet. Then they get hungry and consume most of their calories late in the day. Eating right using pre-planned recipes that incorporate foods that strengthen rather than weaken and bloat your system is critical. Successful dieting is about being prepared with proper quantities of healthy food in all situations. Eat regular meals 5 times a day but not much.

Strive to eat balanced and healthy meals while still controlling your caloric intake. In this way you will be more likely to maintain your weight loss instead of gaining back the pounds. Instead of high-fat products, lower fat options are recommended. These diets also generally include such things as whole grain foods, plenty of water, low-fat proteins and more.

One tip to immediately cut down your calorie intake is by reducing your normal food portion in half. In most cases, the serving sizes you get in restaurants and fast food joints are more than what you need. By reducing your portion size, you still get to enjoy your normal foods and cut down your calorie intake immediately!

Quick weight loss diets abound, both online and locally in your city. While local weight loss programs are generally more expensive than online programs, the face-to-face support may be exactly what you need to help you take off the excess weight.

Permanent lifestyle changes are the only way to remain at your target weight once you reach it. Quick weight loss diets will help you lose weight, just remember to do it right, the healthy way.

Okay, the three numbers are not magic… but you already knew that yet there are no more important numbers when it comes to sustainable weight loss! You may have already come across some of these numbers when doing your research but may not have understood their true significance to the success of your weight loss.

I am going to go over each of these so that you are better informed on how important these numbers are and how any weight loss program that does not address these will always fail you. I will also provide you with a link at the end of the article to a weight loss calculator that will generate these magic numbers for you. Let us start with the first of the magic numbers, your Ideal Weight!

You no doubt have heard allot about this number. Your doctor, trainer or dietitian may have given you a weight value based on the accepted norms for your sex, age and height. Although this number is generic, it does cover at least 95% of most cases. What about that other 5%? Well this 5% can be +-10 pounds from the Ideal Weight given. It all depends on each individuals situation but does not lessen the importance of this value. What is truly important about the Ideal Weight is not that you need to maintain that exact weight but you use it to guide you towards your target to stabilize your weight at a level near your Ideal Weight that makes you feel comfortable and healthy. How do you know when the weight you have obtained is within the “healthy” zone for your Ideal Weight? Well that is determined by the next of the magic numbers, the BMI.

The Body Mass Index (BMI) can be used by your doctor and/or dietitian to figure out your general weight health based on your sex, height and weight and is associated with the measurement of body fat. Once that BMI has been calculated, the value is compared against the following ranges to determine your weight health.

less than 19 –> Underweight
19 to 25 –> Normal
26 to 29 –> Overweight
30 to 34 –> Obese (Class I)
35 to 39 –> Obese (Class II)
40 or more –> Obese (Class III)

There are a couple of limitations with the BMI. One, it does not show the difference between body fat and muscle. Someone with a lot of muscle (body builder) may have a BMI in the unhealthy range, but still be healthy with little risk of developing health issues. Two, it may not accurately reflect the weight health of someone that is very short (under 5 feet) and in older people (80+). For the rest of us the BMI is a reliable indicator as to our physical weight health.

What should you do if your BMI is too high?

If your BMI is from 26 to 29 – start a weight loss program and increase your physical activity level.
If your BMI is from 30 to 34 – take your weight seriously as you are at a RISK of health issue, start a good weight loss program NOW and become more active.
If your BMI is from 35 to 39 – you are at a HIGH RISK of health issues. You need to address your diet with a weight loss program and include your doctor at each stage of your progress.
If your BMI is 40 or more – your health is at EXTREME RISK (DEATH!). Contact your doctor NOW and work to get your weight under control.

The last of the magic numbers is your Calorie Maintenance Level (CML) and it is the key number in a weight loss program. The CML is based on many factors and is specific to each person’s height, weight and activity level. Since the effectiveness of your weight loss program depends on this number, it is important that it be as accurate as possible. What is the CML? It is the total number of calories you need to consume each day to maintain your CURRENT weight. Lets say your CML is 2608 calories for your current weight. To start losing weight, change your daily calorie intake to a value less than your current CML (target around 500 calories less). The decrease will trigger your body to find the missing calories from body fat to try to maintain your current weight at that activity level. You should start seeing weight loss the first week, if not decrease your calorie intake a bit more and/or increase your activity level. The additional increase in demand for calories will start eating away at your fat deposits.

To make use of these magic weight loss numbers, you need to find a weight loss program that understands their importance and incorporates them in the program. A good weight loss program is required to make these magic weight loss numbers useful. You can lose weight with just the knowledge you have picked up here today but without a good weight loss program that helps train you for sustainable weight loss, you might not reach your comfortable and healthy weight.

Are you ready to get your magic weight loss numbers and take control of your weight?

Get your weight loss numbers at the following website:

[http://solutionsexist.com/HealthyWeightLoss/Calculator.htm]

When there, I would suggest you check out the reviews of five weight loss programs that incorporate these magic numbers into their plan. The number 1 rated product will also give you the freedom to eat when you want, eat as much as you want with it’s unique system that will also allow you to shed weight quicker than you thought was ever imaginable.