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Need a condominium reserve study done

Need a condominium reserve study done

There are so many things that need to be taken care of, while managing any community or association. It is hard for any one person to take care of everything including the infrastructure facilities on your own. You really do need professional support, particularly for administration and finance. Failing to properly plan for cash needs and major expenditures can quickly put your firm in jeopardy, so working with a leading firm to plan these cash needs is an excellent choice.

It’s critically important to have access to a professional knowledge base for financial projection and reporting expertise. Expert support and specialized software make a big difference to quality of information and above all to compliance requirements.

There’s a good example of this type of service- A US national service provider called Facilities Advisors, Inc. which conducts reserve studies across a very wide bandwidth of administrative entities including condominium management. Their experts will create a unique case-specific study using efficient data management and financial projection techniques. They will provide you with a fully professional, clearly structured homeowners association reserve study that will serve as both valuable working information and as a great template for future management needs.

Their capital reserve study is best in the industry and serves condominium associations, timeshare associations, country clubs, and many other types of organizations. Their professionals are expertly trained and equipped to handle all your operations and assist with advice and support when you need that professional standard of expertise. They have been serving the industry for more than 20 years, and during this time have built a time-tested series of models and assumptions that they can tailor to your property, for accurate estimates of everything from major costs to annual maintenance and repair needs.

Their HOA reserve studies use the powerful Facilities 7 software, the most sophisticated and analytical and operational management tool in the industry. Their reserve study software is used to prepare the summarized report and is unmatched for accuracy and in-depth clarity. It’s easy to use and expertly designed to operate as a management tool, which is a product of their extreme experience in the space. For more information see their website at , where you can find out more about their company, their services, and their quality software package. You can contact them by phone as well if you have specific questions that aren’t answered on your trip to their website.

About the author: Author tells about the reservestudyusa.com which is a company and provided the services for homeowners association reserve study. Their HOA reserve studies use the powerful Facilities 7 software, the most sophisticated and analytical and operational management tool in the industry.

Information On Port Mortgage Negative Equity

Information On Port Mortgage Negative Equity

To port a mortgage means that you are transferring an existing mortgage to a new property, commonly referred to as portable mortgage or simply port mortgage. Essentially, you would want to port your mortgage in order to get out of dangerous grounds like negative equity which can become severe if left with no action. Low interest rate could also encourage you to go for port mortgage so as to take advantage of the current low rates. Porting your mortgage can also help you escape possible penalties.

Limited lenders
It is understood that only a few lenders would allow you to port mortgage due to negative equity because they want to limit risks as much as possible. Most of them did allow borrowers to port mortgage negative equity during the early nineties but this was specifically done as a way of stimulating the market. There are still a number of them allowing it and you might be lucky to find out that your lender is one of them. All the same, if you really think that port mortgage negative equity is the best option you have got, don’t be discouraged. Go a head and discuss it with your lender, convince them why you think you must do it.

Better than selling
When faced with negative equity, most borrowers find themselves in devastating conditions with very limited options. Often, selling the property could just be the main alternative available to you as a victim of negative equity. However, selling is not actually a wise decision because it can often be a cause of significant mortgage shortfall and this will worsen the situation further. Instead of selling, porting will be most appropriate in such circumstances and you will need to consult with your lender before making any move towards selling. Provided you have no intentions of acquiring additional lending, there are some lending entities that will allow you to port your current mortgage to a new property all together. Examples of lenders that can allow you to port your mortgage include Lloyds Banking Group (part of it), Lloyds TSB and Halifax, plus Nationwide and Coventry building societies.

You can port part of the mortgage
If you are not keen on porting your entire current mortgage, it is still possible to port just part of the mortgage and be left with the rest. This would happen in circumstances where you still want to retain some of the current features due to specific reasons that would favor your situation. It could be that there are certain features of the mortgage you do not want to let go. Maybe it’s a special rate that you want to retain because you will not enjoy it if you port your entire mortgage.

Simple Feng Shui Tips That Will Make Your Life Better

Simple Feng Shui Tips That Will Make Your Life Better

Feng shui, which translates as wind and water, is an ancient Chinese art of object placement and energy flow in the home. According to the theory, energy currents, known as chi, flow through your home. Unblocking the flow of chi and channeling it the right way, says the tradition, can improve just about everything in your world: your health, your relationships, even your bank balance! One things sure: a good feng shui arrangement will energize your space and you.

An important first step toward good feng shui is getting rid of clutter, which creates obstructions that dramatically slow the flow of chi-energy through your home. You can move things around all you want according to feng shui principles, but nothing will work if you have clutter obstructing the flow of chi.

Here are some tips to get you started:

In Your Kitchen

Your kitchen nurtures your family by providing nourishmentso its a very important place in feng shui.
–Expired foods create negative energiestoss them.
–Keep counter tops free of clutter, papers and mail in particular.

In Your Home Office

Sit facing your door so you dont get surprised from behind.
Sit with a solid wall behind youyoull feel secure and supported.
Put a round crystal on the southwest corner of your desk; it will promote good work relationships.
A small plant placed in the southeast corner of the room will help summon income and foster personal growth.
Above all, get rid of those piles of papers and filesthey are serious chi-stoppers

Using Aromatherapy

Spray lemon, eucalyptus, or rosemary in your space after an illness.
After an argument, spray lavender or geranium in the room.
To help you sleep, mix lavender with clean, fresh water in a spray bottle, and spray your bedroom with the mixture each night before you go to bed.

Feng shui is all about making some space in your life for new possibilities and opportunities. So to get started, clear your clutter and get organized!

Fostering Benefits Of Residential Solar Energy Systems

Fostering Benefits Of Residential Solar Energy Systems

The sun is a plentiful source of power. Highly developed machinery has made it achievable to change daylight power from the sun into electrical energy. This technique of power production is growing reputation around the world because there is no contamination and the supply of the energy is renewable.

Solar energy systems put forward a cost-effective energy solution to domestics and marketable set ups who are exhausted of ever rising energy costs. solar energy systems can support reducing electricity bills. Specialized settings up services are for housing and business set ups to let the users acquire the most out of their solar electric systems.

Residential Solar Energy System Is Becoming Progressively Admired These Days

While one of the main troubles people experience is the deficient and changeable price of both the energy and power. Most of our incomes are being spent on the increasing electric bills and fuel. These tribulations had led the greater part of us to look for optional ways to save energy expenses which comprise the utilization of solar machinery.

Switching To Renewable Solar Energy Adds Up A Number Of Benefits

Decreases your electrical energy bills – Once you have remunerated for the setting up of photovoltaic panels, you can perceive your bills descend. Daylight is free of charge, therefore why not utilize it?

Accumulates the atmosphere – It trim down orangery gas emission and carbon footstep. Contamination is thus condensed, and your residence could save lots of tones of carbon dioxide in a year.

Utilizations of energy – Home solar energy system does not simply offer light for our homes but can also be used for other uses like pumping water and communication. This sort of energy system is generally used by individuals living in the urbanized countries.

Benefit from more reserves all the way through government incentives and subventions – The government is heavily cheering homeowners to switch to solar energy for use at home. In return, they are offering rebates per fitting of photovoltaic panels, plus sales tax and property tax exemptions or deductions, income tax credits or deductions.

Having solar panels has the prospective to be a major selling point for your real estate assets and eventually boost the cost of your housing property.

AUSTRALIA Australia is one of the leading nations in solar technological advances. Not just do we have perfect climatic conditions, but also the geological abilities and acquaintance. Countries like Australia are hallowed with more than sufficient sunlight potency to make available valuable energy generation in summer even on gloomy time. You may reach to some of the emerging company for solar energy system in Perth.

Mmrda To Make Affordable Housing In Mumbai Possible

Mmrda To Make Affordable Housing In Mumbai Possible

At a juncture when both capital and rental values of residential property in Mumbai are touching skies, Mumbai Metropolitan Region Development Authoritys (MMRDAs) announcement for building five lakh low-cost houses brings in a ray of hope for those dreaming for their own house in the fairyland.

Residential rentals in Mumbai have been escalating for the past several years due to limited availability and soaring demand, and most of the tenants wished if they could buy a house and replace the rental payments with loan installment. However, this wish was hardly fulfilled with the kind of price range Mumbai properties have been carrying.

Consider this, some few months back, 2 BHK apartment units in Cuffe Parade (South Mumbai) were being leased out for Rs 45,000 to Rs 80,000 per month. But today, the same size apartment in the same area on rent will easily cost a sizeable Rs 1.25 lakh a month.

Rental rates are soaring in others areas as well. For instance, in Bandra 2 BHK apartment now comes with a price of Rs 90,000 per month, a few months back the same property was valued for Rs 25,000-Rs 40,000 a month. Besides the rentals in Vashi, a middle-class locality in Navi Mumbai has also gone up to Rs 20,000 per month as compared to Rs 12,000 per month, two years ago for a 2 BHK apartment flat. Even semi furnished apartments down the much desired Palm Beach Road are available for as much as Rs 18,000 per month.

Though the prices are increasing day by day, not many transactions are taking place. There is a lot of demand but sky rocketing property prices are deferring the buyers from having a home in Mumbai at present, say MK Shah, Mumbai Real Estate agent.

In the course of all this governments announcement to build five lakh affordable housing units in the city has bought some respite to the prospective buyers. These houses will be made available on rent for people from middle and lower-income groups. The project is likely to come up in the next five years. MMRDA believes that the move will help bring down the cost of housing in Mumbai, media reports.

Feng Shui Training And The Home

Feng Shui Training And The Home

If you have feng shui training, then you know how important it is to put these principles into practice in your home and work spaces. If you haven’t had any classes or training in feng shui but would still like to fill your home with the applied principles of it, then feng shui consultations are probably right up your alley. The great thing about feng shui consulting (as opposed to going out and taking classes on your own) is that it provides you with personalized information, direct from a professional.

Rather than learning the principles and then attempting to apply them, amateur-style, to your own home, an experienced professional can take a look at your living and working spaces and tell you how to optimize them for energy flow. They can also give you pointers on improving other aspects of your life that can be manipulated with feng shui. Does your family fight a lot in the living room? Do you have trouble focusing when working at your desk? Both of these are things that can be improved through the use of feng shui.

You can create warmth in the kitchen, romance in the bedroom, and creative, focused productivity in the office, when you room is optimized for those very things. Of course, it is up to you, as the resident of the space, to maintain these spaces in a way that continues to be supportive of this energy and function. One way to stay on top of things is to do what is sometimes known as maintenance cleaning. All this means is that you clean up as you go along, rather than waiting to do it all in one big swoop. That doesn’t mean you have to clean your house every day (who has time for that?), but it does mean cleaning up after you use or dirty any given space. In the bathroom, for example, wiping down the fixtures and counter after using the sink will keep everything spot-free and shiny. It will also make your bathroom a more welcoming place each time you walk in. That way, when it comes time for the weekend cleaning, you’ll have much less to do and won’t feel overwhelmed with how much there is to clean up.

Sometimes, bringing feng shui into a space can help the inhabitants respect the space and its meaning on a deeper level. If you do have feng shui consulting, be sure to share what you’ve learned with the entire family. Even if they don’t all believe fully in the art, they will hopefully respect your intentions regarding their home, and they will certainly appreciate how wonderful the whole house looks and feels!

Choosing your Manhattan Student Housing

Choosing your Manhattan Student Housing

If you are a college student new to the Manhattan area, finding a home may prove to be more difficult of a task than you ever imagined. Before most apartments or townhouses management companies will allow you to move in, a complete credit check, rental history and reference check must be performed to ensure you are a good fit, something that most college-age kids do not have. If that weren’t enough it can be a very time consuming process to get an approval, not to mention expensive! Luckily off campus student housing in Manhattanis available to students without all of the hassle, thanks to extended stay hotels.

Renting your Extended Stay Hotel

Whether you are a freshman entering the college doors for the first time or an intern ready to enter the field of your choice, an extended stay hotel provides you with all that you’ll need for comfortable, convenient living near school, attractions, finding and so much more. New York housing for students and interns available at extended stay hotels offers not only convenience in its location, but also in renting. There are no lengthy applications to complete. There are no credit checks. Simply pay a small despot and your fist month of rent and a beautiful, new home is yours.

Qualities of the best New York Housing for Students and Interns

Extended stay hotels are also called studio apartments. They are designed just for individuals like you; those who need a place to call home for a month or longer but want to avoid all of the hassles. But there are many different off campus student housing in Manhattan choices available in extended stay hotels, and choosing one that offers all that you expect is essential. So exactly what should you expect from an extended stay hotel?

Kitchen or Kitchenette with dishes, cooking utensils, pots and pans Convenient location to your college Wi-Fi Fully furnished apartments Professional staff Affordable prices No leases Take the time to carefully examine what the different extended stay hotels will offer should you choose them for your New York housing for students and interns. It is a small price to pay to get the things that you love.

NYInns.com has three of the best off campus student housing in Manhattan choices available. All are located near colleges and universities; offer an exuberant amount of amenities, affordable prices and so much more. With NYInns.com, you can have more than your money’s worth in a delightful home all your own.

Farm Property, Trusts & Llc Preserving Ohio Family Farms For Future Generations

Farm Property, Trusts & Llc Preserving Ohio Family Farms For Future Generations

Placing farm property in a trust-owned limited liability company (LLC) is often a key component of protecting a family farm against estate tax laws, creditors, law suits, nursing homes and other risks so it can continue to be enjoyed by future generations. Specifically, the LLC holding your farm property must be owned by an irrevocable trust.

If youre a farmer in Ohio, undoubtedly youve worked hard for the success of that farm and you want that hard work to benefit your family for many generations to come. Unfortunately, state and federal estate tax laws, debt obligations, nursing homes and other factors can put your farm at risk upon your death if proper succession planning is not in place.

While proper succession planning consists of many parts, an important part is often to create an irrevocable trust to own the LLC holding your Ohio or Dayton real estate. A lawyer can help you with this by drawing up the necessary legal documents that form the irrevocable trust, designate the beneficiaries, and describe what is to happen to the property and LLC upon your death.
Property in a Trust-Owned Limited Liability Company is Protected Against Most Debts and Lawsuits; Estate Taxes can be Minimized
By placing your farm property in a trust-owned LLC, the property becomes owned by the LLC, which is a legal entity just like a corporation, rather than being owned by you. Since you dont own it any more, the property is protected from many forms of debt and lawsuits. The irrevocable trust that owns the LLC adds another layer of protection and ensures that the LLC and property it holds is passed on to your chosen beneficiaries.

To more fully protect your Ohio or Dayton real estate, a lawyer with expertise in estate planning and business law can draft legal documents to create limited liability corporations, insurance trusts and other entities that work together to protect your farming business and personal assets for inheritance by your family.

Farm property in a trust-owned LLC can also avoid estate taxes. Estate tax law usually takes effect when property transfers to the beneficiaries. However, the legal documents for your irrevocable trust can specify that your beneficiaries can make use of the property while ownership is retained by the irrevocable trust and the LLC. Since the property is never transferred to the beneficiaries, estate tax laws never come into play.

Placing property in a trust-owned limited liability company is just one tool used to minimize estate taxes and other risks to your Ohio or Dayton real estate. A lawyer knowledgeable in succession planning and estate planning can show you additional ways to help you prepare a complete succession plan for your farm.

Consider Residential Home Care, A Personal Approach To Senior Living

Consider Residential Home Care, A Personal Approach To Senior Living

The senior elderly population continues to rise and residential care homes have become an increasingly popular way to address the growing need for care. You may also hear these types of assisted living situations called adult foster homes, adult personal care homes, senior care homes, group homes, and many others. Regardless of what you call it, facilities of this ilk share a common focus: providing assistance to the elderly in a home setting that is much like family living.
These living situations work well for a number of seniors. They would prefer not to live in a large compound that defines many assisted living centers. Still, their condition requires a high level of care and attention. A residential care home provides the ideal balance of care and personalization. The staff behind a senior residential care home assists residents in a variety of ways. This includes bathing, help with putting clothes on, grooming, and miscellaneous needs of a broad persuasion. The small number residents living in these types of homes allow site operators to offer highly specialized care. If a parent or loved-one suffers from a chronic condition, you may want to pay serious attention to a care facility like this. Quite frequently, specialty residential care homes will offer a focus in needs like memory loss, diabetes, nutrition and dieting. You can even find facilities that offer a cultural and regional experience. This often means customs from the residents homeland and a staff that understands and speaks the native language of the residents who live there. These characteristics will range, but its common to hear Spanish, Japanese, Chinese languages, and many others.

Residential care homes offer more than just personal care. They make resident life as livable as possible. This includes social time and fun activities for the senior residents such as board games, folding laundry, making cookies, and assisting with the nights meal. Transportation is part of the fold. This may involve an appointment to a physician, perhaps a visit to see a friend or family member, and sometimes field trips. If you own a pet, some care centers even allow a dog or cat or bird to live with you at the care center.

Most adult care homes charge by the month. The cost typically covers meals, utilities, housekeeping, laundry, activities, and often transportation. The cost of service will depend on a numerous consideration, including but not limited to a seniors current personal health. The owner or operator of the residential care make an assessment based on many factors, and then offer a monthly quote before granting admission.

Feng Shui And Numbers

Feng Shui And Numbers

Chinese who believe in Feng Shui are extremely superstitious about the figures they choose as their telephone number, house number, car number and the like. The categorization of some numbers as lucky and some as unlucky depends on the way they sound when spoken. For instance, in western numbers -eleven’ sounds like -heaven’ or number -eight’ sounds like -weight’ or number -one’ sounds like -son’.

Numbers considered unlucky by the Chinese: Number 4 (pronounced as Sei) is known to be a bad number because in Cantonese it sounds like the word -death’. Number 13 is unlucky because it adds up to 4. Apart from this, number 24 and 104 are also unlucky for the same reason.

Numbers considered lucky Numbers such as 108, 168, 99, 88, 84, 80, 68, 54, 48, 38, 28, 18, 8, are all good numbers. The main reason why 8 is lucky because if you pronounce the word (patt) it sounds like “faat” which denotes “prosperity and abundance”

Consequences of some lucky numbers and combinations:
289: Long-term prosperity
5: myself, me
518: I will flourish
5189: I will flourish for a very long time
516289: I will tread a long, smooth wealthy road
5918: I will prosper soon
6: smooth and easy
7: together
8: prosperity or sudden fortune

The cure If you have a house or businesses with 4 or 13, then just draw a circle around that number. The circle is tremendously powerful and captures the ill-fated effects of the negative number. There are two ways of doing it, one way is to go to the local hardware store and find a ceramic door number that can be customized with a circle. However, if you cannot afford to shelve out too much money then a simpler method is to simply go out and make a circle around the number. Also note, if you live or work at a place that has an unlucky number but is outside of China, consider how that number sounds in the native language of that particular country. How seriously should one take numbers? If you’re still looking for a house, office or car number then make sure you comply with the norms set by fengshui. However, if you already have bought one with number 4 or 13, don’t worry too much, just use the cure provided above or consider changing the number to a name like “rose cottage” -your company name- etc.

Numbers in Feng shui plays an important role, believers of fengshui always follow the number guide provided Chinese astrology . For more information on Fenghui and related topics please visit www.vaastshaastra.com