Credit Repair is More Than a Right, It's Your Responsibility

The majority of Americans have errors and other unverifiable information on their credit reports that could be dragging down their credit score. Odds are good that your credit score is lower than it should be. The unfortunate thing is that odds are you will be yet another one of the millions of Americans who will continue to suffer with an unfair credit score because you will do nothing to repair your credit.
Most Americans want to believe the credit reporting system works; that people earn their bad credit and there is nothing they can do about it but wait for seven years. But study after study shows the credit reporting system frequently does not work. This is why the Fair Credit Reporting Act and other consumer protection legislation give you the right to do something about it - the right to make sure your credit score is as good as it can be.
So why is it that, though everyone has the right to dispute the negative items in their credit reports, very few people do? It certainly can't be because they don't understand the importance of a high credit score. After all, it doesn't take a genius to figure out the benefits of a good credit score when it can be the difference between paying $2,500/month and $2,000/month for the exact same house.
More likely, the reason people do not repair their credit is a mix of apathy and lack of understanding of the credit reporting system. Too many people assume the credit reporting system is some official government bureaucracy with an extensive system of checks and balances designed to ensure the safekeeping of their credit history. This couldn't be further from the truth.
The credit bureaus at the center of the credit reporting system are not official organizations. Instead, they are massive, for-profit corporations that collect personal information from your creditors and make money by selling this information in the form of your credit reports.
So now you are asking yourself, how do they ensure this information is correct? If a creditor reports something that is wrong, how do the credit bureaus make sure it doesn't end up on your credit reports?
The answer to both of these questions is: they don't. Your creditors report information, the credit bureaus record it, and for most people, the story ends there.
Nobody at the credit bureaus or in the government is going to make sure your credit reports are accurate. The way the credit reporting system is set up, there is only one person who will ever bother to check up on your credit reports - and that person is you. You are the missing, and ultimately the most important, piece of the credit reporting puzzle.
Making sure your credit score is where it should be is your responsibility and repairing your credit reports is a task you will have to initiate because no one out there will do it for you.
It is your right and your responsibility to dispute the questionable negative items in your credit reports and the sooner you start, the better. You can work to repair your credit on your own or you can enlist the help of a credit repair law firm like Lexington Law.
Whether you attempt to repair your credit on your own or with the help of a credit repair expert, by taking an active role in the credit reporting system, you can ensure your credit score is as good as it can be and that you have the advantage over the millions of people out there with bad credit who haven't taken action to do anything about it.

BETTER KAMA WITH KAMAGRA

Sexual relationship is the most important relationship of all the in this world. It is one of the most beautiful feelings in the world and is an integral part of a relationship. It is the core of every relation in order to restore generation. But now days it is quite commonly visible that problems like impotence are deteriorating the sex life very badly of more than 65 percent of men today. Literally, impotence can make one's life hell. Every man suffers from erection problem on some occasion in his life, not necessarily due to a physical problem but may be because of psychological reasons like stress or anxiousness. Dealing with erectile dysfunction or ED is a difficult task because of the involvement of female partner and who is deprived of physical, emotional and sexual satisfaction. Earlier ED was handled as a psychological problem but now a day's more people are having sexual disorders due to physical problems. Ed is caused when there is lack of blood supply to penile area, even during sexual stimulation, as a result there is no penis erection or it is very short lived. However, in case of a normal man, the flow of blood increases towards penile area during a sexual act, which leads to hard and satisfactory erection. Thank god, as the medical advancement has become too broad, impotence can be treated and a healthy sexual relationship can be maintained. Kamagra is one among various medicines used for the treatment of impotency or male erection dysfunction, which helps people suffering from erectile dysfunction and facing problem in keeping an erection when sexually aroused. Kamagra is a medicine to treat erectile dysfunction (ed). Kamagra is a drug, which is used to improve penile erection in men with erection problems.
Kama is a Sanskrit word, which mean art of making love [sex]. Probably, this is the reason for its popularity because of kamasutra ('aphorisms on love' - a sexual guidance book). Kamagra is a most preferred alternative to viagra. Now days more and more buy kamagra because it is cheaper than viagra and levitra but as effective as them. It is generic version of treatment for impotence and erectile dysfunction in a male. It is offered in 100mg tablet form, soft tabs and three flavors of oral jelly. The oral jelly is offered as an alternative to tablet use. This magical pill kamagra has been tested for its effectiveness on millions of ED patients and results were almost 100% positive i.e. safe and effective. One thing to be remembered is that kamagra is not an over-the-counter drug so a consultation with a doctor is must before taking the pill. Its contents are same as that of levitra, which is sildenafil citrate.
As told earlier, ED is caused because of less blood flow into the penis, kamagra helps in altering this condition by increasing the flow of blood to the penis naturally when a man is sexually aroused. Kamagra works by entering the body system and increasing blood flow in penis. As the blood flow is increased the sponge like tissues in penis absorbs the blood, which in turn makes the penis grow in size. As the size grows the vein gets closed but the artery pumps in blood till a saturation point reach when the tissues can hold blood no longer. As the blood stops circulation the penis gets an erection. Penile erection is necessary to have a satisfying sex. Kamagra will respond only to sexual stimulation to make a man achieve and keep a hard erection during an intercourse. One pill of kamagra is effective for almost six hours, which I think, are enough to calm your woman's sexual needs. It is to be taken at least half an hour prior to sexual act.
Kamagra comes in various strengths of 25mg, 50mg and 100 mg. For most patients, a single dose of 25mg of kamagra once a day is enough. But, this dose may not be effective for everyone hence, under the guidance of doctor; one can increase the dose of his kamagra. It is not for use in children and women in particular. Persons with heart problems, diabetes, allergy, hypertension, blood pressure should seek medical advice prior to its use and should see doctor immediately if kamagra is taken by mistake.
However, every drug, which is used to treat ED, has some side effects and so kamagra also have some side effects. But these side effects are temporary and go away within half an hour of consumption of medicine. In case of any serious side effects a consultation with a doctor is necessary. The usual side effects of levitra alternative kamagra are facial blushing, headache, upset stomach, blurred vision and inability to differentiate between green and blue color. One should try his utmost best to take all possible precautions before using this form of generic viagra.
See, whether romance or showing love or foreplay, all generally, ends up by having sex. In today's era, statement of love or showing love is incomplete without sex. Kamagra helps you the get the much-needed sexual satisfaction to you and to your sex partner. It makes you start believing in yourself.

Owning Real Estate in Puerto Vallarta

Imagine the joys of a summer home that makes you money whenever you are not staying in it. This kind of place would be beautiful to visit, comfortable and easy to live in, and ready for you whenever you want because it would be yours. A timeshare cannot offer you all of that no matter how desirable the location, since it can be difficult to get the time slots that you want and even harder during peak vacation time. A timeshare cannot give you everything you need to have the perfect getaway whenever you want, but a condo in a place like Puerto Vallarta, Mexico can.
Puerto Vallarta is one of the most incredible real estate location in Mexico. Invest in Mexico and you can retire to your beachfront condo whenever you wish to enjoy days filled with sun, sand, golfing, fishing, and anything else you could desire from a tropical paradise. Your oceanfront condominium will be waiting for your return whenever you are away, and you will surely wish to retire to Puerto Vallarta's idyllic setting after spending vacation after vacation in sunny bliss.
Owning real estate in Puerto Vallarta can also be a greatly profitable adventure. The typical American has only two to four weeks of vacation time per year, and for the other forty eight weeks, your vacation property would normally sit empty, awaiting you. To keep your property on the Pacific Ocean working for you, hire a local property management company to keep your place looking fresh and lovely and rent your condo out as a vacation rental to others looking to enjoy the wonders of Puerto Vallarta.
Real estate in Puerto Vallarta is a flourishing business because of the high profitability and constantly increasing prices of the local properties. Even just a couple of years of property ownership could translate into big money for interested investors, and getting a great vacation home that pays for itself is no small benefit either. You may become so enamored with your property in Puerto Vallarta that you will not be willing to sell it!
Owning real estate in Puerto Vallarta means living in the lap of luxury. You can enjoy a tropical paradise on the Pacific Ocean and never worry about a thing. The beautiful and luxurious condominiums and other properties in this city are made for the comfort and delight of their residents, even short term residents like yourself. Glance out the window of your Puerto Vallarta condo and watch the dolphins play in the Pacific Ocean. Enjoy sunshine on the beach or adventures beneath the waves, and fall in love with this incredible location.
Prices on properties in Puerto Vallarta seem to rise by the day, so now is the time to do your due diligence and learn more about investing in Mexico. Your investment property may be just waiting for you in sunny Mexico, but it won't wait forever. The time has come for you to make the smart move that you have been dreaming of and invest in Mexico.
Investing in a condominium in Puerto Vallarta could be a smart investment choice for those who are looking to invest in Mexico. You will have a vacation home to enjoy that practically pays for itself, you will be able to enjoy the beautiful Pacific Ocean on your future vacations, and you could potentially be able to resell the condo for a great profit if you don't decide to retire to Mexico entirely. With all of these incredible benefits, what could be better?

Take an IRA Paid Vacation

Imagine having the freedom to use retirement funds without being penalized by a 10% early distribution fee. With this money, you could start the business you have always dreamed of having. You could even purchase real estate without fear of violating IRS codes, pay unexpected bills, or retire early.
The majority of industry sources indicate that trillions of dollars are currently invested in IRA accounts. Those who will utilize these IRA funds fall into four distinguishing categories:
* Those who intend to use their IRA retirement accounts as they were originally created by their financial advisors and who plan to "stick it out" in the market.* Those who would like to diversify their portfolio in order to include non-traditional assets.* Those who do not need the IRA funds and who will not need these funds upon retirement. For these people, the IRA accounts will never be distributed.* Investors in this category may be younger than 59 ½ and want to use their IRA funds for other purposes without penalty. For these people, the most common use of the IRA funds is for vacation home planning.* Those who want to tap into their IRA accounts for a variety of purposes, but who are afraid to do so out of fear of incurring penalties. * Investors in this category may want to remove funds from their IRA accounts in order to make up for loss of income, to enjoy an early retirement, to add extra income to the household, or to purchase a business.
When it comes time to take your money out of your IRA, you'll want to be careful. The last thing you need to do here is upset the apple-cart and take your money out early -- or late -- or... take out too much money, or whatever. However, with the appropriate IRA advisor and penalty free program, any individual in the last three categories can realize their dreams - and all without any risk of early withdrawal penalty!
Choosing Your Options
The disappointing performance of the stock market has created a growing trend toward utilizing IRA or 401k funds for purchases, such as real estate, business or other nontraditional assets. Most often these purchases are made within an IRA.
Making a purchase within an IRA, however, is not always the best investment option. In fact, owning real estate, a business, or other nontraditional assets outside of an IRA or 401k can possibly be far more advantageous. For example, owning assets outside of an IRA can be a better choice for those who:* Need a depreciation write-off* Need funds for personal benefit* Use the property for personal benefit* Use the property for immediate family members
For these individuals, a Penalty-Free IRA program might just be the answer to relieving financial stress such as paying credit card debit, starting a business or franchise, or providing the ability to retire early. If your IRA structured properly the sky is the limit.

Self Directed IRA Investment in an LLC

A truly self-directed IRA is one where the IRA owner does not have to filter every decision through a self directed IRA custodian. The vast majority of IRAs are not self-directed. Most banks and other, major financial institutions only offer the traditional IRA custodian relationship. This means that your investment actions are limited by their plan documents more than by the actual IRA laws.
A self-directed IRA is governed by a plan document that seeks to comply with the letter of the applicable federal laws while retaining as much freedom as possible. One plan for expanding that freedom is the formation of an LLC within an IRA. This arrangement gives the IRA owner the ability to write checks for investments rather than having to ask the IRA custodian to write checks--and then paying the required fees.
Such self-direction can be a powerful tool in the hands of an experienced investor. It can also be a powerful tool for self-destruction in the hands of an inexperienced, "whim" investor. To get the most from a self-directed IRA, an investor has to be willing to perform due diligence on every investment opportunity. You may have a good advisor who can help you avoid costly mistakes but they will not take the time to do your research for you.
When Is the Time to Open a Self-Directed IRA?
Any time is a good time to open a self-directed IRA, but you should not start wheeling and dealing with retirement until you have learned how to consistently make money with your money. Starting a relationship with an IRA advisor is a good idea because they can help point you in the right direction. You cannot expect them to do your work for you, however, so you have to want to study and learn the ins and outs of investing in alternative investments.

IRA Checkbook Control Equals Investment Control Case Closed

Having investors maintain checkbook control over their IRAs is anathema to the major financial institutions which closely administer the majority of IRAs. These companies want IRA owners to invest in company-run funds and securities and not so much in non-traditional investments where they have less control. When a traditional custodian does allow non-traditional investing, they usually attach so many fees that such actions are therefore deterred.
Restrictive plan documents and fees are the major reasons for the stringent air that surrounds IRAs, not federal tax law. With checkbook control of a self-directed IRA, an investor can avoid most of the fees charged by traditional custodians and most of the investment restrictions. Checkbook control simply means that the investor can write checks for investments and investment expenses directly from his or her IRA without an intermediary.
Checkbook control is crucial for investing in real estate. Real estate transactions (residential and commercial) usually involve all sorts of extra costs that must be paid directly from the IRA. If you generate custodian fees every time you pay one of these costs, your profits can take a serious drubbing. When you start looking for self-directed IRA providers, pay close attention to their fee structures.
Time, Real Estate, and Checkbook Control
Real estate is all about location, location, location, but real estate investing is also about timing, timing, timing. Probate properties and tax lien properties (where some of the greatest profits lie) can go quickly and you may not have time to clear the investment with your custodian. With checkbook control, you can act immediately and hopefully before a bidding war starts.

A Truly Self Directed IRA starts with the Right Advisor

The rules governing a self-directed IRA are not necessarily the same as the rules governing traditionally held IRAs at traditional IRA custodians. The rules can also vary between self-directed IRAs depending on what instruments are used to set them up. The most common instrument is the Limited Liability Company (LLC) and there are many reasons why investors choose it. Whatever you choose, remember that your money grows faster with your attention.
The rules governing IRAs are the product of federal legislation and the desires of major financial institutions. The federal laws and your plan document are the only constraints on your IRA. In practice your plan document has the most impact on how you can invest your IRA's funds. The main reason IRAs have the reputation of being safe, but restrictive is because the first generations of plan documents were written that way.
The reason investors so often form Limited Liability Companies within their IRAs is because of the degree of control they can gain over their investments. Rather than asking their IRA administrators every time they want to make an investment, and paying the attached fees, they can maintain checkbook control over their IRA investments. The avoidance of fees and the freedom of investment are the self-directed IRA, LLC's big selling points.
The Rules for Creating a Self-Directed IRA
You must first find someone who will take custody of your IRA and let you be in charge of it. (Banks and other large financial institutions usually will not.) Companies that specialize in setting up self-directed IRA LLCs have favorable determination letters, are in compliance with IRS Circular 230, and provide a warranty for their products, and simplifying the entire process. It is recommended you stay away from facilitators and self directed IRA kits that incomplete, sales oriented only and do not have the aforementioned qualities when setting up your IRA - LLC. A qualified IRA advisor should be able to answer any initial questions you may have, refer you to a reputable self directed IRA custodian, and establish an IRS 4975 compliant self directed IRA Limited Liability Company.

Self Direct Your IRA A Better Way

With all of the relatively recent allegations of malfeasance by major corporations and financial institutions, combined with the billions of dollars in pension and retirement funds that evaporated from the stock markets, a self-directed retirement seems more and more attractive. Many novice investors learned harsh lessons about the realities of investing. Those lessons have translated into a sea of change in investor attitudes in recent years.
Individual Retirement Accounts are the only real options for self-employed individuals, unemployed individuals, and small business owners but the IRA's appeal has expanded greatly beyond those groups. Many people are now choosing to roll their 401(k)s over into IRAs. The Roth IRA is the most tax-favorable retirement account in history and a self-directed Roth IRA gives the investor the freedom to invest at will.
A true self-directed IRA is simply one in which the IRA owner maintains checkbook control over the account (circumventing many transaction fees and management fees). Such control makes real estate investing (a harbor for many from the vagaries of the stock markets) a much more palatable option. In a traditionally held IRA at self directed IRA custodian, real estate transactions are severely limited and the various expenses incurred usually trigger additional fees which can eat into profits and thus the returns that are paid back to the IRA.
A Truly Self-Directed Retirement
If your self-directed IRA is subject to too many fees, your self-direction becomes muted by the desire to avoid extra fees. Look for companies that offer checkbook control of self-directed IRAs, and strive to keep fees to an absolute minimum.

The 2006 Fall Season is Fast Approaching and Fredericksburg, Texas is Ready

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The days are growing shorter and shorter; the trees will soon be turning shades of red as the Fall Season is coming to the Lone Star state. Autumn is the season of celebration for Fredericksburg, which will host several festivals during the Fall season.
There are plenty of preparations to be made still for all of these exciting festivals. The Texas Mesquite Art Festival runs from October 13 through the 15th. The Fredericksburg Food & Wine Fest happens on October 28th, and who could forget a German-Texas Style Oktoberfest on the first weekend in October, on the 6th, 7th, and 8th. Good-natured and contests abound, such as the Oktoberfisch Fly Fishing Festival and Tournament on the 20th through the 22nd of October. The fly fishing tournament is nationally recognized and is ideal for fisherman who delight in Texas fly-fishing while leisurely enjoying one of the finest rivers Texas has to offer. Folks in town will happily welcome in the start of hunting season, too.
With all this excitement, lodgings can be hard to find in the town of Fredericksburg. Hotels are already filling up quickly with bookings, and the charming Bed and Breakfasts' and Inns in the area are populating just as fast. The solution to this is simple; for a taste of the outdoors as well as a place to hang your cowboy hat, bring your RV. The mild weather of autumn in Fredericksburg means that your RV stay will be a taste of adventure with all the comforts of home. There are plenty of places in the Texas hills in which to camp and enjoy the beautiful scenery and perhaps take advantage of hunting season or good fishing, too. Best of all, you are still only minutes away from the bustle of the Fredericksburg festivities.

Lucrative Real Estate IRA Options to Truly Diversify your Retirement Portfolio

Incorporating a foreign-based real estate property into your self-directed IRA real estate portfolio is a transaction allowed by the Internal Revenue Service that is to say they don't disallow IRA investments in real estate as long as you are properly set up with a self directed IRA company. The reason not many people have done it is (a) they are not that interested in investing in other countries for lack of information about that country's economic and political climate, (b) a significant number of IRA advisers do not recommend it because of the visibility argument, (c) custodial rules do not compel IRA custodians to offer foreign real estate as an investment option.
The opportunity to optimize an IRA account for wealth accumulation may be jeopardized if IRA holder and would-be retirees do not look beyond their geographical borders to include a foreign property. A self-directed IRA real estate account can offer a wider-based global area for foreign real estate if properly set up. There are pockets and clusters of geographical entities worldwide Europe (both eastern and western), Asia, some Arab countries (Dubai is a shining example), and the Asia Pacific regions where real estate property investing is going at a feverish pace.
There is world of difference between a competent self directed IRA advisor from others who are too parochial in their thinking and carry around a small town mentality. Since a properly set up self-directed IRA real estate account does not prohibit the acquisition of foreign-based real estate, then why should clients be deprived of the possibility of building assets with lucrative options outside North America?
This is what the self-directed component means clients have carte blanche to look into alternative investment possibilities. Millions of Europeans have, for a long time, looked outside their own borders, scooping up ski resorts in places like Spain and Portugal, Bulgaria, and Costa Rica. These countries have become so popular among foreign investors that properties have increased in value tremendously. Real estate developers and promoters are now on a scavenger hunt in less well-known countries so they can offer projects to interested investors including investors with a self directed IRA accounts.

Get More Out Of Your Retirement And IRA

Did you know there is approximately 10 trillion dollars tied up in IRAs and only 3% of those dollars are self-directed in a manner which allows them to purchase non-alternative assets such as real estate and gold?
In order to understand how much 10 trillion dollars actually is, it is greater than or equal to every dollar that changes hands on an annual basis throughout the entire American economy. I am sure you would agree that this amount of money is absolutely staggering.
Many IRA holders are rolling over their IRAs to purchase alternative investments such as real estate, businesses, franchises, real estate notes and tax liens. A straightforward IRA or 401(k) rollover expands your investment opportunities and can be done without taking a taxable distribution or incurring penalties.
Is this a new thing?
For many yes, however the ability to self-direct an IRA to purchase non-traditional assets has been around since the creation of ERISA 32 years ago in 1974.
Why haven't you heard about this?
Most investors are in the dark for 3 primary reasons.
1) Many investment advisors are not trained in alternative investments. They are trained to sell products such as stocks, mutual funds, bonds and publicly traded REITs.
2) The National Association of Realtors (NAR) did not embrace the changes to the tax law, Wall Street did. However NAR has been happy buying and selling homes with traditional bank financing without the need to tell their clients that they could truly diversify their IRA portfolio by including an investment property.
3) There is tremendous amount information mishmash on the Internet. Supposed IRA gurus have become "Self Dealing Gurus" and "Professors of Doom" making their living telling the media all of the pitfalls and scarring IRA holders to believe that there are so many pitfalls in self directing an IRA that you are surely going to make a mistake and so why bother. Learn to read between the lines and keep in mind, it is in their best interest to do this. Why? Because if you become self-directed, then they can no longer collect exorbitant IRA fees from you.
There is not a "one size fits all" approach when it comes to self-directing an IRA. There are as many IRA strategies as there are personality profiles. Additionally, the United States tax laws are too varied and complex to provide a "one size fits all" concept. However, we recommend you do your own research and then partner with a competent self-directed IRA advisor who understands the best practices of self-directing an IRA.
These investments can be extremely lucrative and are completely legal under both ERISA and the Internal Revenue Code. The good news is you don't have to sit on the sideline anymore. You can use your retirement account for participation in real estate, starting a business or franchise. Get in the Game!

Snow Birds Invited to Texas Hill Country

Fredericksburg, Texas October 1, 2006 -- While many may be dreaming of a white Christmas this winter, others will be making their way to Texas Hill Country where the deer are as plentiful as resident history.
Snowbirds from the Northern United States as well as Canada find the slower pace, warmer climate, and inviting folklore a means of enjoying a family vacation in winter, thriving in a climate that is as welcoming as it is memorable - endearing as it is affordable.
Fredericksburg is located right in the Heart of Texas Hill Country. It is one of the most unique and picturesque cities in the Lone Star State. Founded in 1846, Fredericksburg is now the central hub of commerce, entertainment and history. Fredericksburg is proudly listed in the National Register of Historic Places and features at least 40 restaurants. It is a well-known vacation hot-spot and destination for those with an RV who seek refuge from the unforgiving cold winters and for those who enjoy the outdoors and the beauty of the temperate Texas climate.
Stepping back into history may be the perfect backdrop for memorable family vacations this winter. Robin Collins, Llano River RV Park Director, asserts, "At the Park, you can enjoy the lure of the great outdoors, and spice it up by joining one of many local festivals and seasonal events found near the park year round including Fredericksburg, which is a thriving hub of culture, arts, and commerce."
The Llano River RV Park provides a state-of-the-art camping facility that includes nearly fifty "granite gravel pads, 4-way hook-ups (electricity, water, sewer, telephone). All sites have a Llano River view," according to Robin Collins. High speed Internet access is also available.
Visitors routinely comment on the two separate river access ramps for kayak and canoe launches. Such launches are possible in winter, however many guests prefer to use them for nature walks as well as sight seeing and photo opportunities.
For those desiring a more accommodating gathering, "The Community Center features modern amenities including double stoves, 2 microwaves, and a big screen TV - great for family events/parties," declares Collins.
The Texas Hill Country is calling to the northern hills inviting snow birds to something more inviting and warm this winter.
About Llano River RV Park:
The Llano River RV Park is located 30 miles north of Fredericksburg, Texas, and 12 miles south of Mason, Texas on US Highway 87. Whether you are interested in shopping for antiques, visiting state and national historical parks, wildlife management areas, or the many wineries in the area, the nearby Hill Country attractions are rich with beautiful German architecture, history and natural beauty. The RV Park location is ideal for those who want to experience the Hill Country to its fullest. RV spots are currently available for December 2006 as well as January and February 2007.

Real Estate IRA Notes-"Hot" Trend for "Cool" Times

The newest 'buzzword' to hit the world of real estate investment is: Real Estate Investment Notes. Now, real estate notes themselves aren't new, in fact they have been around for a long time. But, the 'awareness' of them as "viable investment vehicles" is a new trend that is a direct result of recent "cooling" happening in the real estate market in parts of the country. Real Estate notes are a dose of "hot" in recent "cool" times.
Smart real estate investors always keep a close "eye" out for any changes in the real estate market and "act" quickly to make the wise investment decisions necessary to avoid 'disastrous' financial losses. You too can benefit from what these "investment-gurus" have come to know about real estate backed notes and stretch your profits/gains a little further if they are generated inside a self directed IRA or self directed 401k.
Real Estate Notes Provide Passive Cash Flow:
Real estate backed notes can have a high rate of return if structured properly, and are more secure than most other well-known investment strategies. A real estate note can be used to earn what has been coined as "passive-income" or "passive cash flow" by marketers and investors. Simply put, this means you will earn 'dividends' on your investments in real estate notes without having to do much else other than writing a check for your note and voila the money starts flowing in month after month like clockwork. Not bad, but it gets better. Since the money is earned passively through a real estate, you benefit again at tax time. Gains earned by real estate note investments are taxed at low long term15% capital gains tax rates. Do you know of any other investment strategy that allows you to make money passively and at a flat 15% tax rate? Nothing like real estate notes has "hit" the real estate world yet, so until or unless it does, real estate notes are the way to go if you want to put real cash and profit into your pocket month after month, year after year.
If you prefer watching your real estate investments grow without any help on your part, then real estate note investments could be a great investment alternative for your real estate investment portfolio. If any 'cosmetic' or "functional' "improvements" are made to the real estate property listed on your real estate note it can really 'pump' up the value of your note to new heights. This will not only increase the dividend-earning potential of your real estate note, but also it works to your benefit should you want to sell off a portion of your real estate note, or sell the note off "completely" because it's increased value will put more money in your pocket. You can use your "windfall' to re-invest in more real estate notes or use some of it to buy real estate notes and a portion of it to fund a college education for your child.
Real Estate Note Liquidity:
Unlike selling real property, real estate notes have built in liquidity. In most cases, you don't have worry that if you "hold" a real estate note and wanted to sell it quickly, that it would be hard to find buyers for it. Wise real estate investors are always looking to "buy" more real estate notes with positive cash flows because they know what valuable, income-earning vehicles they are.
Self Directed 401k/IRA Notes:
Did you know you can use your 401K or self directed IRA retirement accounts that you either implemented through an employee-employer plan, or opened up yourself, to fund the purchasing of real estate notes? Many people are "dipping" into their retirement accounts because they have learned that real estate notes offer them the ability to increase the dividends usually earned through such retirement accounts, securely and reliably.
Will you be among the 'wisest' of real estate investors and look into the "viability" of real estate notes as an investment strategy to best increase the dividend-earning power of your retirement money? The Internet provides you with access to all of the information you need to learn how real estate notes can help you to "retire-in-style" without the "risks' unlike so many of the other investment opportunities out there today.
Let's recap the benefits of real estate backed notes they:
1. Generate passive income. 2. Are secured by real property. 3. Are taxed at low long term capital gains of 15%. 4. Can be purchased with a self directed 401k or self directed IRA.
A quick note about real estate note investment gains earned inside an IRA or 401k
Gains earned and tucked back into the IRA/401k are earned on a tax deferred basis and are taxed at ordinary income tax rates at the time of distribution starting at the age of 59 ½. Gains earned off your real estate note investments inside your Roth IRA or Roth 401k occur on a tax deferred basis and distributions are earned tax free at the time of distribution. If you use a Roth IRA/401k, you'll have years of tax-deferred growth on your investment - and NO TAXES at the time of distribution. How does that stack up against 15% long term capital gains? Right... There is no comparison. If you are already over the age of 59 ½ and have a Roth IRA that has been open more than 5 years, then you are in the sweetest spot of all as all your gains filtered through your Self Directed Roth IRA can be distributed to you tax free without any waiting periods. This could be the ultimate leverage and a way to grow your personal wealth.
Real Estate Backed Notes could just be your "hot" ticket to financial success in "cool" times.

As in Sports, You Can Also Warm Up in Real Estate

Real estate investing is a vast and open field. Ask any successful real estate investor and they will tell you that investing in real estate can be an overwhelming task for first time investors, especially IRA investors who are new to investing in real estate with their IRA funds; although one may be have purchased real estate as a personal residence, purchasing investment property is an entirely different animal and it requires a totally different skill set if one wishes to be successful. First time investors can easily be overwhelmed when directly buying and selling '123 Main Street' due to either a lack of real estate investing experience, a lack of time, or a small amount of funds in a 401K/IRA. Real Estate like products such as (tax liens, private mortgage notes, real estate notes, private REITS, or private limited partnerships) might be just the right fit for first time investors who truly wish to begin investing in real estate like products without hassling with collecting rents, dealing with tenants, or lining up contractors to rehab properties.
If you're hesitant to begin your real estate financial education by "wheeling and dealing" in properties, you can choose to go on "warm-up" mode. One way of warming up without feeling that you're diving head on into uncharted waters is by purchasing some shares issued by a private real estate investment trust (REITs) which you've may have heard about. Private REITs are companies that typically own and manage large undertakings like warehouses and shopping centers and office buildings.
If you are keen on IRA wealth building strategies, a smart maneuver would be to own shares in several private REITs. Your self-directed IRA adviser should be able to come up with a short list.
However, history has proven that investing in the real estate market - selling/buying and managing properties - will give you an edge over passive investors who stick to more traditional ways of investing. So ideally you'd have private REITs in your portfolio when you're in your 20's and 30's. By the time you hit your 40's and 50's, and begin to feel that real estate runs in your blood, you may want to take a more aggressive stance by buying and selling within your IRA and still be able to enjoy tax-deferred growth.

IRAs and Commercial Real Estate Loans

Commercial properties of all kinds can be held within an IRA if it is structured correctly. This includes everything from small gas stations to larger strip complexes, mini-malls to mega-malls, and industrial parks to high-rise office towers. Any property that will be used (almost) exclusively for business can be considered a commercial property and its purchase can be treated as any other real estate transaction--as far as your self-directed IRA is concerned.
The main reason to open a self-directed IRA for real estate transactions is for the freedom of action. You can move on a property when necessary and pay all required fees and costs directly from the IRA. With a Limited Liability Company, you maintain checkbook control of your account. That is the most crucial aspect of a self-directed IRA because it speaks directly to the number of fees you will have to pay over the life of the account.
For an IRA investment involving commercial properties, you will be required to pay certain business expenses from your IRA. If your IRA custodian requires you to pay a fee for every transaction involving assets within your IRA, you can see how quickly a real estate investment could eat up your profits. However, when you maintain the checkbook, you can minimize the accumulation of extra fees.
Other Types of Commercial Property Investments
Other than the few mentioned above, there are almost limitless possibilities for investing in commercial properties. You can invest in franchises, golf courses, car washes, hotels, timberland, storage facilities, resort properties, and more. With a self-directed IRA LLC, these properties can be foreign or domestic (with the caveat that any foreign property should be in a place with at least semi-reliable government stability).

Self Directed 401k - IRA Notes

Did you know you can use your 401K or self directed IRA retirement accounts that you either implemented through an employee-employer plan, or opened up yourself, to fund the purchasing of real estate notes? Many people are "dipping" into their retirement accounts because they have learned that real estate notes offer them the ability to increase the dividends usually earned through such retirement accounts, securely and reliably.
Will you be among the 'wisest' of real estate investors and look into the "viability" of real estate notes as an investment strategy to best increase the dividend-earning power of your retirement money? The Internet provides you with access to all of the information you need to learn how real estate notes can help you to "retire-in-style" without the "risks' unlike so many of the other investment opportunities out there today.
The benefits of real estate backed notes are they:
1. Generate passive income.
2. Are secured by real property.
3. Are taxed at low long term capital gains of 15%.
4. Can be purchased with a self directed 401k or self directed IRA.
Another quick note about real estate note investment gains earned inside an IRA or 401k:
Gains earned and tucked back into the IRA/401k are earned on a tax deferred basis and are taxed at ordinary income tax rates at the time of distribution starting at the age of 59 ½. Gains earned off your real estate note investments inside your Roth IRA or Roth 401k occur on a tax deferred basis and distributions are earned tax free at the time of distribution. If you use a Roth IRA/401k, you'll have years of tax-deferred growth on your investment - and NO TAXES at the time of distribution.
How does that stack up against 15% long term capital gains? Right... There is no comparison.
If you are already over the age of 59 ½ and have a Roth IRA that has been open more than 5 years, then you are perhaps in the sweetest spot of all, as all your gains filtered through your Self Directed Roth IRA can be distributed to you tax free without any waiting periods. This could be the ultimate leverage and a way to grow your personal wealth.
Real Estate Backed Notes could just be your "hot" ticket to financial success in "cool" times.

Real Estate Definitely An Allowable Option for IRAs

The disciples of the Dow Jones consistently advocate the stability of the stock market and love to demonstrate its solidity and profitability using 20, 30 and 50-year periods. No one's refuting that; occasionally, however, it does CRASH - and when it did in the 30s, and again in the post-millennium period, the crash had a devastating and permanent outcome. Moneyed investors who had their fortunes ensconced in stocks suddenly became penniless. Those who had stock holdings especially on margin were looking forward to retiring with their loot, but because of the market's lingering illness from 2000 to 2005; they've had to postpone retirement.
Real estate investments have outperformed stock market returns in the last 5-6 years. Name us one major accounting scandal in real estate. One would be hard-pressed to find a major or significant one. But name some company scandals that reduced a once prestigious stock to a junk stock. Don't the sagas of Enron, World Com, Nortel and a host of others leave a cloud of doubt over today's stock market, albeit its so-called durability over decades?
Other benefits: Real estate provides steady income. For a growing number of baby boomers preparing for retirement, investing to receive a regular income stream becomes more imperative. Real estate is a tangible asset. It is not a mere certificate with paper value. Real estate offers downside protection. Given its nature, it can maintain at least some minimal value versus stocks that can be entirely wiped out.
Self Directed IRAs Built for Real Estate:
Sometimes we need to repeat ourselves to remind investors with self directed IRAs that they can invest in real estate. It is surprising how many thousands - perhaps millions - of people are unaware that the IRS DOES allow them to invest in real estate here and overseas. Because they get so used to seeing their 401(k)s invested in traditional investments like certificates of deposits, treasury bills, mutual funds, stocks and bonds, IRA holders go through their working life without thinking that real estate has always been, and remains, a viable option for IRA dollars. Fear of the IRS is perhaps one reason for not wanting to tread on unfamiliar territory. The absence of an astute financial advisor is a second reason why investors like you are in the dark. Let's face it, the only time people engage in any form of real estate activity is when they're buying a house. Another reason is there are those who think that real estate investing is the monopoly of the independently wealthy.
So we'll say it one more time: you can use your self-directed IRA to invest in real estate. A self-directed IRA is no legally different from any other IRA. The only difference is that you can control your financial future with more latitude and greater flexibility - you decide how much latitude you want. "Self-directed" simply means that you can select - either on your own or with the advice of your broker or investment advisor - the investments you'd like to include in your IRA.

Investing Your IRA In Mexico Real Estate

People are beginning to catch on. A year or so ago, few people realized that they could manage their IRA investment portfolios themselves, and even fewer knew that they could invest their IRA retirement money in something other than stocks and bonds. As of last year, finance and retirement experts suggest that approximately 2% of the nations $3 trillion in IRA investment is stashed in real estate and other non-traditional investment vehicles. If you're considering using your IRA savings to invest in real estate, there are some excellent reasons that you should choose Mexico real estate to drive your retirement portfolio into high profit margins.
Investing in foreign real estate is neither as risky nor as tricky as a lot of people would have you believe. While land and housing prices in the U.S. have soared astronomically in the past decade, the world real estate market is a far different story. It's still possible to buy a beach house on the Yucatan peninsula in Mexico for less than $50,000, and you'll find similar bargains throughout the land of our Southern neighbor.
At the same time, Mexico is an increasingly popular vacation destination with lots of undeveloped or underdeveloped coastline. Imagine if you had the foresight to buy land in Cocoa Beach in the 1950s, or along California's northern coast in the 1960s. That's the opportunity that many Mexican regions offer today. The stunning coastal reaches, pristine beaches and beautiful mountain villages are on the verge of becoming international tourist destinations. Beyond the lights of Cancun, there's an entire nation of beautiful coastal and mountain towns just emerging into the spotlight as tourist destinations. Your U.S. retirement dollars can translate into owning a Mexican villa, or a series of cottages or condo in Puerto Vallarta. On the beach, for example, you can still buy 1 acre lots of land with beach access for less than $50,000. Imagine buying beachfront property for that price in the United States?
Those land and housing prices are set to start rising as Mexico improves its infrastructure and encourages foreign investors. While Mexico used to severely restrict foreign ownership of land on the coast or in the major cities, the recent governments have realized that this policy is contrary to their development. They've created a system for land ownership that allows for foreign investment in formerly restricted and highly desirable zones. The government is bending over backwards to make owning Mexico real estate an attractive investment for foreigners.
The real beauty of owning land and houses in Mexico, though, is the very low cost of property taxes and maintenance. A beautiful $400,000 hacienda or villa may set you back $200 in property taxes per year, and maintenance costs are similarly low. When you add in the tax-protected status of investments made in your IRA, you have an incredible ROI on a purchase of Mexico real estate.
What's the downside about owning Mexico real estate as an IRA investment? You cannot reside at your investment property as long as the IRA retirement account is titled as the owner of the property. The self directed IRA rules about benefiting personally from your IRA investments are strict - you are not allowed to make use of any property owned by your IRA, or you risk losing its tax-protected status and worse yet you could face penalties from the IRS. You can, however, rent out your IRA investment for steady income - putting the profits and cash flow into your IRA, or sell your Mexican Real Estate Investment for immediate profit, as long as those profits remain inside the IRA.
If you're looking for an unusual and high earning investment for your IRA, then take a serious look at owning Mexico real estate. It can help kick your IRA earnings into high gear.

Uncovered: New Resource for Real Estate Investment in Puerto Vallarta, Mexico

Summary: fundVallarta Investments announces a full online resource for discovering real estate investment opportunities in Puerto Vallarta, Mexico. With conditions similar to the property boom in California, Puerto Vallarta is poised to become an international performer with a solid return on investment. Visitors are able to access a significant knowledge-based investment resource center at the PrimePuertoVallartaRealEstate.com website.
Puerto Vallarta, Mexico (PRWeb) February 10, 2007 -- Historic property investments may point to a significant current investment opportunity in beachfront property in Mexico.
PrimePuertoVallartaRealEstate.com has been monitoring the trends in Mexico Real Estate and believes that Puerto Vallarta is not only desirable property, but has the potential to be a significant investment opportunity.
Did you know?
Puerto Vallarta has a population of 350,000 with 2 million visitors annually.
Puerto Vallarta has been named the best beach in Latin America by Travel and Leisure Magazine Readers Survey (all 25 miles).
Humpback whales winter in the Bay every year. Dolphins, giant mantas, sea turtles, and over 100 species of birds also live here.
The Puerto Vallarta area and surrounding region has a very active real estate market.
David Crenshaw, the managing partner of fundVallarta Investments and a real estate professional since 1965 has had extensive education at the university level in Real Estate Law, finance, investments and contracts. He has purchased, developed, built and sold apartment projects, condominiums, warehouses, subdivisions and office complexes, along with family residences in the US.
David has additionally:* Owned and operated a mortgage company financing the product built and sold by the development and construction company* Acted as agent and representative to athletes and other clients in real estate sales and purchase transactions.* Taught real estate investment classes at a community college in the US.* Owned and operated a residential and commercial real estate company* Extensive education at the university level in Real Estate Law, finance, investments and contracts.* Sales manager for a large national real estate company, managing over 150 agents in five offices.* Sold waterfront condominiums in Nuevo Vallarta for two years. Top producer for the company.* Director of Resort Marketing for Lloyd Real Estate Company, Puerto Vallarta.* Won an award the Real Estate Trade of the Year, trading 37 properties in one transaction.* Sold real estate as a sales agent in California for seven years. Won the salesman of the year with over 27 million dollars in sales.
In addition, David has developed a website to assist those who may find themselves interested in real estate investment opportunities in Puerto Vallarta. The real estate investment boom in Mexico can provide personal enjoyment in the, "beautiful Bay of Banderas, which comprises over 50 miles of pristine coastline between Yelapa, Jalisco to the south and Rincon de Guayabitos, Nayarit to the north. Guayabito is located in the heart of the Gold Coast of Nayarit, which is considered to be the present day 'California of Mexico'
The partnership at fundVallarta Investments is well versed in both American and Mexican property laws and cross-cultural investment opportunities.
David's website provides a listing of current offerings along with a comprehensive knowledge-based resource center providing applicable articles for your consideration. A blog is also available to help answer any questions you may have.

Canadian Rod Burylo 2004 Financial Advisor of the Year Contributes to a Solid Investment Team in Puerto Vallarta

March 24, 2007 - Puerto Vallarta, Jalisco, Mexico - The team at PPVRE.com (http://www.PrimePuertoVallartaRealEstate.com) has continued their advance in service to the real estate needs of retirees and baby boomers. With the addition of new team member Rod Burylo, PPVRE.com effectively serves Mexico, the United States and now, Canada with their award-winning panel of financial experts.
International speaker, business author and award winning financial advisor, Rod Burylo has been added to the expert team at PPVRE.com. This announcement is in response to the creation of comprehensive coverage throughout North America in the development of real estate investment opportunities in Puerto Vallarta, Mexico.
Burylo will be providing his broad range of expertise through a series of seminars hosted by fundVallarta Investments in a variety of US cities over the next several months. PPVRE.com will play host to a series of educational events designed to assist Baby Boomers in the management of their retirement portfolio. The timing of the events is in response to a new paradigm shift in the culture of finance. Burylo elaborates, "Retirement, as we understand it today, is a new human phenomenon; never before, have so many people been able to enjoy such a significant amount of leisure for such a significant period of time."
Topics covered in these planned events include:
1. The impact of retiring Baby Boomers on the stock market 2. Learn how truly and safely diversify your IRA Portfolio with Real Estate 3. Emerging trends in IRA investments 4. Real estate development in Mexico
Recent statistics indicate there are approximately 70 million Americans and 9 million Canadian Baby Boomers on the threshold of a transition from the workforce to retirement. This presents unparalleled opportunities in the role of a retirement portfolio. FundValarta.com (www.PrimePuertoVallartaRealEstate.com) understands both the unique needs of their clients as well as the unique dynamics associated with traditional portfolio analyses.
Burylo indicates 'business as usual' may be changing, "There is only one reason baby boomers have seen stock prices, generally speaking, rise over their lifetime: there have been more buyers with resources to buy, than there have been sellers with investments to be sold. This is about to change dramatically."
Famed car maker and industrialist, Henry Ford, understood unexpected change when he said, "The economic and technological triumphs of the past few years have not solved as many problems as we thought they would, and, in fact, have brought us new problems we did not foresee"
PPVRE.com is an investment strategist's clearinghouse seeking to take the guesswork out of Mexico real estate investment. They offer online answers to redirecting an IRA account from a traditional or Roth IRA to a self-directed account allowing for diversity in IRA investing. That diversity includes the purchase of beachfront property in Puerto Vallarta, Mexico.
PPVRE.com welcomes Rod Burylo and is enthused about the wealth of expertise Rod brings to an already stellar team. Rod Burylo has authored the book Awesome Client Events published in 2001 and provides freelance articles and columns to publications in both Canada and the United States. Burylo is also a sought after international speaker and has accepted engagements in Canada, the U.S. and Mexico on business topics and corporate challenges. In 2006, he was invited to be the keynote speaker in Washington D.C. at the National Charles Schwab event "Impact 2006." Burylo was honored with the Advisor of the Year Award in 2004 in Canada. Because of his experience on the subject of client/professional relationship building, Burylo is considered a valued addition to a team that has already seen remarkable strides in Puerto Vallarta property investment.

Pre-Construction Investment Opportunities with IRA or 401k

Nearly everyone has seen the "fix and flip" house remodeling shows that fill the airwaves these days or may have even heard of a friend of a friend making money at it. But who's really seeing a bulky return on their investment? New construction and Pre-construction investors are.
You don't have to be a millionaire to invest in pre-construction. All you need is free investment capital, someone with the ability to tie up good property, and someone who understands how to build a quality real estate product.
Many would say 'yes' to that kind of offer, but don't have free capital available to do so. But, what if they could use the capital locked up in their IRA or 401k plan?
Your IRA or 401k was meant for your future, right? It probably isn't growing at a rate that will maintain your current standard of living for 20 years. If you don't want to re-enter the workforce after you retire, consider alternative funding for your future.
An IRA LLC - a type of self directed IRA - converts the funds in your current retirement plan to an independently owned and operated entity. You control how the money is invested and which pre-construction projects you want to be a part of.
Buying Power
A new home that hits the market with a price tag of $300,000 requires financing of about $235,000 to build, depending on the region. The remaining $65,000 is the profit split among the investors and the builder. If you could turn $235,000 into $270,000 in 9 months (typical time from first permit application to "Home for Sale"), you'd be realizing a return rate of nearly 19% annually.
Don't have $235,000 sitting in the bank or your IRA and 401k combined? One of the great benefits of pre-construction investments is that multiple investors can join funds and realize the same rate of return. As your money grows exponentially with each investment, you'll soon find yourself able to invest in even larger projects.
More money to invest equals more access to pre-public releases of land deals, investments in high-end exclusive projects with an even greater profit margin and the power to get in at the ground level of emerging markets.
Choices Beyond Homes
How many "fix and flip" shows have you seen that start an office building or resort hotel? How many retirement condominium complexes? There are plenty of these types of buildings that need repair and may be able to turn a profit, but the typical fix and flipper must find the funding. Now that you know you can join your funds with others, you should also understand that the options don't end at homes in Anywhere, USA.
What Hawaii was thirty years ago, some say the coast of Mexico is today - a destination where your investment can see unbelievable returns in just a few short years. There will always be some new great vacation hot spot in the world that needs shopping centers, marinas, hotel resorts and, of course, homes to house the resident population. You can help fund these types of projects before construction begins and see your profits roll in as tourists flock.
Funding for the Future
Do you have a friend or family member in the construction business looking for funding for a custom home project? You can invest your retirement funds in the project. Profits are returned to the IRA LLC tax-deferred, where you can reinvest the profits and watch them grow even more.

Buying Discounted Real Estate Notes Can Be A Great Financial Strategy

When given the choice of whether they would rather have a lot of money right now or a little less money in a years time, most people will tell you that they will take their money right now, thank you very much. The value of a dollar in your hand is greater to most people than the value of a potential dollar later, and that makes a dollar in the present worth more than a future dollar, which is the principle behind the discounting of real estate notes for sale.
A special formula is used by real estate note investors to determine the amount that should be paid for a note at any given time based on the time value of money. Dollars tomorrow are not worth as much to us as dollars today, remember. This discount means that you are not paying the full value of a note (which would include the interest charged on the account) but would instead be paying a lower rate based on the determined value of that money in the future and factoring in the time that it will take you to get your money.
If you choose to buy and sell these discounted notes, you can earn a great deal of money. One way to do that is to purchase the real estate notes directly from the originator of the loan, especially if the loan was originally a seller financed mortgage, and by doing so at a deep discount. Private sellers are less likely to know the true value of the note, and more likely to be highly motivated to sell their note quickly. If you can get them to accept a lesser amount for the note, then you can you can make a great return quickly by turning around and selling the note to another investor.
This is the way in which most people decide to make their money when it comes to investing real estate notes, and that means that the competition to buy these notes is very high. A very good deal is a true boon to a buyer like you who is trying to build their real estate note investment portfolio. The competition makes it very difficult to find great deals in the market.
You can try to use the internet to your benefit in the search for private sellers, however the competition is doing the same thing, and online competition is very fierce. Instead, try advertising locally in the hopes of tapping a personal market that has not been drained already, and you will be able to build your real estate note investment business note by note over time. Your patience will pay off if you have the start up capital to get your business off of the ground and the intelligence to plan for every contingency. A lot of money is on the line, so always have a backup plan to fall back on.
If you would rather have a regular income from your real estate note investments than buy and sell real estate notes frequently, you can buy a discounted note and hold onto it in order to collect on the monthly payments being made against the note. By doing this, you are creating what is known as real estate cash flow, which is another great way to build up your income if you can afford to sit on your investment for an extended period of time.
If you want to build up successful cash flow, you will have to have a large amount of money that you can afford to invest for a long period of time, however this kind of investment can really pay off in the long run. The returns from a real estate cash flow are much higher than the returns on CDs and government bonds, and you get to take your payouts monthly instead of waiting for your account to mature. No matter how you choose to move forward, real estate investing in discount real estate notes is a potentially lucrative venture that you should not miss.

Create IRA Wealth with Real Estate Notes

If you own a traditional IRA, you may be chafing under all the restrictions imposed upon what you can and cannot invest in. Switch to a self-directed IRA, and you completely change the situation and create a retirement account with virtually limitless investment opportunities.
What can you do with a Self-directed IRA?
Almost any type of investment is possible with a self-directed IRA. There are almost no restrictions, and in fact the only thing you cant do is use your IRA to purchase collectable items such as coins, or make investments that directly profit you or your descendants. Most of the inherent advantages of IRAs relate to the tax laws that govern these accounts.
-Profits made by IRA investments are not subject to Capital Gains Tax
- Enjoy tax-deferred status on all your IRA holdings until you reach the age of distributions (59 1/2). You are only taxed on money you withdraw from the account.
-All profits stay in your IRA and remain untaxed until withdrawn
Its even possible to create an IRA trust and appoint the trust as a beneficiary of your IRA. This allows you to leave tax-free money to your spouse or to children, and is particularly helpful if one of your beneficiaries is a minor. Creating a trust is also a good way of ensuring there will be enough money to pay estate taxes.
Roth IRAs have Further Advantages
Roth IRAs are very similar in terms of what you can buy and sell. However, the tax laws are slightly differentwith a Roth IRA you are subject to different tax types than with a self-directed IRA. If you own a Roth IRA, the profits made by your account are not subject to tax; however the contributions you make to the account are not tax-deductible as they are with a traditional or self-directed IRA. Once you reach the age of distributions, however, every withdrawal is tax-free. Another advantage of the Roth IRA is that there are no minimum distribution rules, so once you reach 59 1/2 there are no restrictions on how much money you can withdraw, or how much you can leave in your account.
The Power of Passive Income
A real estate note represents the financial agreement made between the lender and the borrower of mortgage money, and includes information relevant to the terms and conditions of the contract. These notes are often bought and sold on the secondary mortgage market. Notes are an excellent source of passive income (income that requires no effort to maintain once the investment is made), and for this reason private investors will often lend money to real estate buyers, in effect creating their own notes. Real estate notes are a source of long-term passive income, and this is one of the main reasons why they are an ideal investment for IRAs. After the note is created or bought by the account, payments are made directly to the account, where they remain untaxed and earning interest, potentially for decades. Real estate notes are an ideal investment for another reason. The property market constantly changes, and property prices increase and decrease accordingly. Notes, on the other hand, do not change their face value according to the way the property market moves, so they are a lower-risk investment.
Who can buy Real Estate Notes?
Anyone can buy real estate notes, including private investors. There is excellent profit potential, with the possibility of buying notes for as little as 70% of face value. Private investors can also create notes by lending money to would-be property buyers who prefer not to borrow from financial institutions. Because the risk of such a loan is greater to an individual, the interest rate on them is higher than for a bank mortgage, meaning the profit potential is even greater.

Owning Real Estate in Puerto Vallarta

Imagine the joys of a summer home that makes you money whenever you are not staying in it. This kind of place would be beautiful to visit, comfortable and easy to live in, and ready for you whenever you want because it would be yours. A timeshare cannot offer you all of that no matter how desirable the location, since it can be difficult to get the time slots that you want and even harder during peak vacation time. A timeshare cannot give you everything you need to have the perfect getaway whenever you want, but a condo in a place like Puerto Vallarta, Mexico can.
Puerto Vallarta is one of the most incredible real estate location in Mexico. Invest in Mexico and you can retire to your beachfront condo whenever you wish to enjoy days filled with sun, sand, golfing, fishing, and anything else you could desire from a tropical paradise. Your oceanfront condominium will be waiting for your return whenever you are away, and you will surely wish to retire to Puerto Vallarta's idyllic setting after spending vacation after vacation in sunny bliss.
Owning real estate in Puerto Vallarta can also be a greatly profitable adventure. The typical American has only two to four weeks of vacation time per year, and for the other forty eight weeks, your vacation property would normally sit empty, awaiting you. To keep your property on the Pacific Ocean working for you, hire a local property management company to keep your place looking fresh and lovely and rent your condo out as a vacation rental to others looking to enjoy the wonders of Puerto Vallarta.
Real estate in Puerto Vallarta is a flourishing business because of the high profitability and constantly increasing prices of the local properties. Even just a couple of years of property ownership could translate into big money for interested investors, and getting a great vacation home that pays for itself is no small benefit either. You may become so enamored with your property in Puerto Vallarta that you will not be willing to sell it!
Owning real estate in Puerto Vallarta means living in the lap of luxury. You can enjoy a tropical paradise on the Pacific Ocean and never worry about a thing. The beautiful and luxurious condominiums and other properties in this city are made for the comfort and delight of their residents, even short term residents like yourself. Glance out the window of your Puerto Vallarta condo and watch the dolphins play in the Pacific Ocean. Enjoy sunshine on the beach or adventures beneath the waves, and fall in love with this incredible location.
Prices on properties in Puerto Vallarta seem to rise by the day, so now is the time to do your due diligence and learn more about investing in Mexico. Your investment property may be just waiting for you in sunny Mexico, but it won't wait forever. The time has come for you to make the smart move that you have been dreaming of and invest in Mexico.
Investing in a condominium in Puerto Vallarta could be a smart investment choice for those who are looking to invest in Mexico. You will have a vacation home to enjoy that practically pays for itself, you will be able to enjoy the beautiful Pacific Ocean on your future vacations, and you could potentially be able to resell the condo for a great profit if you don't decide to retire to Mexico entirely. With all of these incredible benefits, what could be better?

French Place Luxury Condos Re-Opens with a New Trendy Look, which Complements a Growing Trend of Downtown Urban Living

Austin, Texas March 1, 2008 -- "Downtown urban living is continuing to grow and that trend is here to stay," says Ray Walter of Walter Mortgage Funding. There is definitely a new trend resonating in downtown Austin as many professionals are choosing to live, work and play in proximity to one another.
If You Build It They Will Come What's driving the development of Downtown Austin Condos... for one, the abundance of new office space in downtown Austin? Many companies are now seizing the opportunity to move to operations to Austin due to the affordability of real estate, favorable State tax policies, the large technical employee pool and the beautiful Austin climate.
"Living in downtown Austin is about convenience, location and personalization," says Joshua Geary, Senior Marketing Consultant of Best Online Results, LLC a local Search Engine Marketing Firm located in Austin, Texas. "People want to live close to their work to cut down on gas expenses, commute times to and from work, and people, especially those who graduate from UT want to stay connected to the vibrant Austin culture and community."
Live the Big City Life without the Big City Price Most Austin apartment communities include little more than the basic amenities. However, The French Place Condos offers the best of the best at an affordable price. Starting at $995 a month, residents of The French Place Condos enjoy amenities usually only found in high-end locations like Manhattan and Miami. "French Place condos are designed with the resident in mind. The condos are large one bedroom units ranging from 650-680 square feet and come standard with bamboo floors, granite counter tops, comfortable floor plans and exceptional appliances." -- Jeff Lewis, Walter Mortgage Funding in Austin, Texas.
Other amenities include: Grohe Fixtures in Kitchen and Bath, Granite Counter Tops, Stainless Steel Appliances, Hardwood Floors, Free Wireless Internet, Free basic cable
Location, Location, Location Whoever first coined the phrase "Location, Location, Location" must have had The French Place Condos in mind. Just ask Google. According to WebPro News, Google has recently leased office space on the second floor of the Scarborough building. The company is expected to move to the area in the spring of this year. According to The Daily Texan, Google has already started placing ads on Google and MediaBistro for engineers.
Within the next year, 1,200 condo units will come on the market, ready for rent or buy. However, due to the affordability and amenities "we feel the French Place Condos will likely be a top choice of many urban professionals looking to reside in downtown Austin. With the growth in downtown Austin, we feel that downtown Austin will be a bustling metropolis within a metropolis," says Ray Walter.
If you wish to be one of the privileged few to enjoy all that The French Place Condos has to offer, then contact fpAustin.com for a private showing. With its convenient Downtown Austin location, it is our sincere hope that you will make French Place your home.

Do You Need a Brain Injury Lawyer?

Think a brain injury can't happen to you? Once you recognize the severity of brain injuries, you can better decide on the best brain injury lawyer should you ever need one. Following are stats to keep in mind when considering a brain injury lawyer.
Each year, more than a million Americans are treated for brain injuries; between 80,000-90,000 experience long-term disabilities as a result of traumatic brain injuries; and more than 50,000 die from traumatic brain injuries.
Brain Injuries and Automobile Accidents
Traffic accidents are, without doubt, one of the main causes of brain injuries in the United States. A brain injury can result no matter what kind of traffic accident you endure, whether from a truck, SUV, car or 18-wheeler. Even if the vehicle is involved in a slow-moving accident, a brain injury is still a possibility. Many who sustain brain injuries aren't even aware that they've done so, especially in slow moving accidents. That's why this type of injury and accident is so dangerous. But an experienced brain injury lawyer can help.
If left untreated, even mild brain injuries can lead to long-term health problems, which can include memory loss, headaches, personality changes and sleep deprivation. The symptoms can begin immediately, or they can be a delayed reaction to an accident. Whenever they appear, you can face mounting medical bills, job loss and even the need for long-term healthcare. An experienced brain injury lawyer can put you in a position to get the help you may need not only immediately, but also in the future.
Things a Skilled Brain Injury Lawyer Should Know
Any brain injury lawyer you're considering should know certain basics. These include the difference between mild and traumatic brain injury; the long-range implications of your type of brain injury; and how to combat defense assertions that your brain injury is not serious. An experienced brain injury attorney is well schooled in slicing through complicated defense arguments, understanding complex medical jargon and researching multi-faceted cases that involve experts from many professions.

Concerned About Your Retirement?

Most people use the traditional buy, hold and pray strategy when it comes to investing their retirement funds and they just leave their retirement over to the executives on Wall Street to invest their money for them. However, there is a whole world of investment opportunity outside of the traditional stock market, but many investors are not trained or educated that it even exists. Most quote-unquote savvy investors diversify their retirement portfolios and they are 100% control of where their money is invested. They don't leave their money over to someone else to manage or worse yet don't have control over where their money is invested. This is one of those times in financial history you don't want to leave your money or investment decisions over to others, who after all, may not have your best financial interests at heart. Millions of Americans have left the investment of their money over to someone else without truly understanding what is going on with the markets. Most investors will lose money during this tumultuous time in the stock market. Sunwest Trust, Inc. is a self directed IRA custodian for your retirement funds. They are not investment advisors so they don't offer investment advice or make investment recommendations. Watch their company video to learn more about their firm.

Austin Realtor Kenn Renner To Present Real Estate Finance And Foreclosure Seminar Series with Amplify Credit Union

Austin, Texas -- October 19, 2008 -- On Saturday, October 25th national speaker and Austin real estate expert, Kenn Renner, will be presenting a free real estate finance and foreclosure seminar at the Brockton location of Amplify Credit Union (formerly IBM Credit Union). The seminar is part of Amplify University's on-going educational series. The two part seminar will focus on the current status of the mortgage market and investing in foreclosures. Kenn will discuss how the "credit crisis" has affected lending policies, interest rates and the availability of funds. He will separate fact from fiction and dispel many of the falsities that the national media has purported. The truth is that banks "are" lending and those that want to buy in today's buyers market can get the financing they need - especially first time home buyers. Austin's strong economy will be discussed and how it has been relatively sheltered from the housing crisis that has hammered other parts of the Nation. Part II of the seminar will focus on foreclosures, short sales, REO's and HUD Repos. Strategies for capitalizing on some of the best real estate bargains in recent history will be covered in detail. Case studies and actual foreclosed properties that are available right now will be discussed. The seminar is free and Kenn will be giving away copies of Gary Keller's (Keller William's CEO) best selling books from his "millionaire" series. For first time home buyers Kenn will be providing free copies of "Your First Home - A Proven Guide to Home Ownership" ($20 Value). Previous seminars and presentations can be found at Kenn's video site http://www.austinhomevideos.com and at Youtube at Kenn Renner's video channel.