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Even an otherwise amicable divorce can turn acrimonious when child custody issues cannot be resolved. The two areas most likely to create difficulties in a divorce are child custody and division of marital property and often the parties cannot reach a compromise when deciding these issues. A Memphis divorce lawyer can help mediate the disputes that arise between you and your spouse and explain any legal issues that may influence child custody in a divorce suit. This article is written from a Tennessee perspective and the law may vary in your jurisdiction.Tennessee Child Custody LawIn the state of Tennessee, child custody matters are determined by “the best interests of the child”. If the parties to the divorce cannot come to an agreement in the matter of custody, a judge will make the determination for them. In most cases the courts prefer joint custody agreements where parents share physical and legal custody of the child. Where joint custody isn’t practical the court may award one parent sole custody.Issues which can impact child custody are child abuse, spousal abuse and substance abuse. While the courts recognize that children are usually happier when both parents play a role in their lives, they may deny custodial rights to parents who have a history of domestic violence or substance abuse. In cases like these, the court may award custody to one parent and allow the other parent visitation privileges. When domestic violence is an issue, the court may require that visitation be supervised.Tennessee courts are not permitted to consider the gender of a parent when determining custody and in most cases where custody is disputed the judge will order a home study to determine the best environment for the child. Courts are permitted to consider the wishes of the child, especially if the child is over 12 years of age. The judge will also take into account the child’s exposure to others who live with, or frequently visit, a parent.Child Support in TennesseeChild support is another area of contention for parents seeking a divorce and in the absence of a written agreement between the parties, support will be determined by the court under Tennessee child support guidelines. The guidelines take into account the income of both parents, the amount of time each parent has physical custody of the child and guidelines may be altered in consideration of any special needs the child has which create extraordinary medical or educational expenses.Payments through public assistance programs are not calculated in the total income, but social security, veteran’s benefits and other sources of unearned income are included. The guidelines call for support of 21% of the non custodial parent’s net income for a single child and 32% for two children. Either parent can be ordered to pay support and there is no statute of limitations for collection of child support in the state of Tennessee.It is in the best interests of the child and both parents to reach a child support agreement prior to a court hearing and a Memphis divorce attorney can help parents reach a reasonable agreement. Child support orders can be modified for a number of reasons until the child reaches the age of 18. In cases where the child has special needs and cannot care for itself upon reaching 18, the court may order the continuation of child support.Retaining a Memphis Divorce AttorneyChild custody and support are complex legal issues and divorcing parties with children should always seek representation by an attorney who specializes in family law. Protecting the interests of his client is paramount to a divorce lawyer and an experienced practitioner will be familiar with the family courts in Shelby County which features judges with unique personalities and preferences. A specialized family lawyer can offer his client the best possible advice when the client is involved in a child custody or child support dispute.

Arguably, Albert Pujols is the best baseball player playing the game today, if not ever in the history of baseball. His numbers the first the ten years of his career are all but astounding, with Hall of Fame RBI, Home Run and Walk, both intentional and “just a good eye” numbers.However, the start of the 2011 season have been anything but kind to Pujols. His home run numbers are way down, his strike outs are way up, and he has hit into an incredible amount of double plays. It appeared Albert’s magical ride to the Hall of Fame was taking a detour.Yet, Albert Pujols maintained there was nothing wrong and although his offensive production, which would have been good for 80% of major league players, suffered, his sparkling defensive play never wavered.The National sports media and the St. Louis local sports all began printing what they considered what Pujols’ problem was. Many thought the pressure and distraction of the contract difficulties he was encountering with the Cardinals was the main culprit, while others began to question if his Super Star abilities had somehow waned and prophesized the end of his career.Yet, Albert Pujols maintained there was nothing wrong with him and simply asked for patience from the media and the fans. The St. Louis fans were not an issue, as they adore Pujols, but he felt the pressure of disappointing them. The media, of course was a different story, as they say “bad news sells newspapers,” and they stayed on the story like a shark feeding frenzy.Being from St. Louis and an avid Cardinals fan since I was six years old, I felt the panic which gripped the city, a city which loves their Cardinals even more than their Busch and Bud Lite beer, and it was disconcerting for me.I didn’t realize until well underway with my investigation, that I had inadvertently became an imaginary Cardinal coach and had taken it upon myself to figure out what was wrong with Pujols. If I was attending a game, I was glued to the big screen television, observing and scrutinizing every little motion of Pujols while he batted.I analyzed the way he stuck his tongue out while hitting, thinking maybe if he was sticking it out too far, it was throwing his balance off. I would hit the pause button stopping the action and peered at where Pujols would pick his foot up, then set it back down, reasoning that could definitely negatively affect his swing.For what seemed like months, I watched Albert who never varied anything in his batting stance, including sticking his tongue out. Albert continued to maintain there was nothing wrong, but his performance wasn’t quite verifying that position.It happened against the Chicago Cubs, fittingly enough for the hated Cubbies, Albert proved there was nothing wrong. He had two massive walk off home runs on two back to back days and began a streak of power hitting which quickly had opposing pitchers, who had been challenging Albert, pitching around him.Albert was in deed right. There had been nothing wrong and he was proving it, but Pujols doing what Pujols does, is not what impressed me about the entire situation. What impressed me, while humbling me for questioning, was the attitude Pujols took through the entire ordeal and it should be a lesson for all ball players young and old.Albert knew what he had done and how he did it the past 10 years was the proper thing to continue doing. He had proven his numbers were not a fluke, 10 years of consistent numbers is not a fluke. It would have been easy for Albert to have begun tinkering with his hitting mechanics, opening his stance, dropping his hands or a number of other changes which players try to get out of their slump.Albert held the course because he knew he was right. Young players should pay special heed to this action and courage. If you know you’re right, past performance verifies what you’re doing works… stay the course. Not until you begin to question your hitting mechanics, and I’m not talking an 0-4 game or even two in a row, I’m talking you feel uncomfortable at the plate, do you begin altering your hitting mechanics.This is a great lesson in courage and doing what you know what is right.

The Texas Property Tax Code for many years had required owners of business personal property (BPP) to annually render those assets used in a business. Rendering is summarizing to the central appraisal district the ownership and value of the assets. Historically, however, over half of all owners of business personal property have not rendered.The Texas law was unusual in that while rendition was mandatory, there was no penalty for not rendering. Therefore, many property owners did not render because it was not material, was not convenient or would dramatically increase their tax liability. For many small business owners, the value of the personal property and the associated property taxes are modest and not a material issue for the business.Chief appraisers at central appraisal districts and tax entities have long been concerned that a material amount of business personal property is not being taxed. There is a reasonable concern that if business personal property owners are not being taxed equitably with real property owners, the burden of taxation is shifted from owners of personal property to owners of real property.Impetus for ChangeSeveral factors combined to make business personal property rendition a hot topic. In Robinson vs. Budget Rent-a-Car Systems, a 2001 appeals court decision, the court clarified that the chief appraiser may sue to force a business personal property owner to render BPP. In addition to the objective of chief appraisers to equitably spread the burden of property taxation, fiscal shortfalls at many city, county and school entities as well as at the state level have raised the government’s need to ensure it is receiving all due revenue based on current tax laws.Although Robinson vs. Budget allowed chief appraisers to sue property owners who did not render, this was a largely unsatisfactory remedy due to the financial costs and political stigma of chief appraisers suing large numbers of taxpayers. The other possible solution was for chief appraisers to “guess high” on assessed values in order to effectively force business personal property owners to provide information. Fortunately, few chief appraisers have chosen this option.Summary of the New LawDuring the summer of 2003, the Texas legislature put some teeth into the rendition law by passing Texas Senate Bill 340. Starting in 2004, a company that does not render will automatically pay a 10% penalty on its business personal property tax bill. This penalty will be collected by the chief appraiser, although there are options to appeal the penalty. There is also a 50% penalty for filing a fraudulent rendition. In addition, filing a fraudulent rendition is a criminal offense.Rendition RequirementsOwners of business personal property with an aggregate value of less than $20,000 can file a simplified rendition statement containing only: 1) the property owner’s name and address; 2) a general description of the property by type or category; and 3) the location of the property. Owners of business personal property worth more than $20,000 must file a rendition with: 1) the owner’s name and address; 2) a description of the property for inventory; 3) a description of each type of inventory; 4) a general estimate of the quantity of each type; 5) the property’s physical location; and 6) either the owner’s good faith estimate of the property’s market value or the property’s historical cost new and its year of acquisition.If the owner simply provides a good faith estimate of the property’s market value the appraisal district may request a statement of supporting information indicating how the property owner determined the value rendered. This detailed statement must be delivered within 21 days after the date the property owner receives the request.Rendition DeadlinesThe rendition addresses business personal property as of January 1st of the tax year and may be filed annually between January 1st and April 15th. There is an automatic extension of the filing deadline until May 15th upon written request. The chief appraiser may extend the filing deadline for an additional 15 days (until May 30), if the property owner files a written request showing good cause.Amnesty ProvisionWith the new legislation the Texas Property Tax Code also offers property owners a special rendering provision for the 2003 tax year. If owners render BPP before December 1, 2003 the appraisal district may revalue the property for tax year 2003. Revaluation is likely to occur if there was no previous account for the property or if the rendered value greatly exceeds the current assessed value.However, exercising the special rendering, or amnesty, provision in 2003 allows the property owner to avoid omitted property taxes for the two prior years. When business personal property not already on the tax rolls is discovered, the Texas Property Tax Code requires it be assessed at the market value for the two prior years. For example, if business personal property were discovered in 2003, the appraisal district would also typically assess the property for 2001 and 2002. By rendering during the established amnesty window, September 1, 2003 through November 30, 2003, the property owner avoids the exposure of paying property taxes for prior years.What is Business Personal Property?The Texas Property Tax Code 1.04 (5) defines tangible personal property as property that can be seen, weighed, measured, felt, or otherwise perceived by the senses, but does not include a document or other perceptible object that constitutes evidence of a valuable interest, claim, or right and has no negligible or intrinsic value. Examples of tangible personal property, or business personal property, include equipment, furniture, computers, and inventory. Business personal property would not include accounts receivable, stocks, bonds, notes, franchise agreements, licenses, permits, certificates of deposit, insurance policies, pensions, contracts and goodwill.Market Value DefinitionMarket value is defined in the Texas Property Tax Code 1.04 (7) as the price at which a property would transfer for cash or its equivalent under prevailing market conditions if: a) exposed for sale in the open market with a reasonable time for the seller to find a purchaser; b) both the seller and the purchaser know all of the uses and purposes to which the property is adapted and for which it is capable of being used and the enforceable restrictions on its use; and c) both the seller and purchaser seek to maximize their gains and neither is in a position to take advantage of the exigencies of the other.Market Value vs. Book ValueMarket value may be less than or more than book value. For example, the value of a 3-month-old computer may be one-half of the initial acquisition price. The book value based on IRS tax per IRS depreciation schedule would be 95% of cost based on a 60-month depreciation schedule. Other examples of items whose market value may decline sharply after being placed in service include cars, linens and bedding at motels, phone systems, copiers, and furniture.Other Valuation IssuesInventory shall be valued at the price for which it will sell as a unit to a purchaser who would continue the business. Due to issues such as pilferage, obsolescence, and damage, the market value of inventory may be less than the book value of the inventory. The assessed value of the furniture, computers, and equipment should be the price for which it could be sold.Issues for Appraisal DistrictsAlthough appraisal districts lobbied aggressively to insure this bill passed, it poses many challenges and issues for appraisal districts. The first challenge is how to process a large number of renditions. Then, the appraisal districts will have to decide whether to aggressively request additional information if the owner gives market value instead of providing a fixed asset listing (property description, year of acquisition, and acquisition cost). The appraisal districts will also have to decide how much consideration to give the owner’s estimate of market value, particularly if it is sharply below the appraisal district’s assessed value.At least one chief appraiser believes the new rendition requirements may delay certification since appraisal districts must wait to receive the renditions before mailing notices of assessed value. The higher level of renditions will impose additional challenges for appraisal district staff in up-front processing and will likely require additional protest hearings. Appraisal districts are generally leanly staffed and will have to be creative and effective to handle a likely meaningful increase in business personal property renditions and appeals.Practical Considerations for Property OwnersOne nettlesome issue for owners of small amounts of business personal property is whether the penalty for not rendering is incentive enough to render. Consider the following example: Bob owns a small business and has business personal property reasonably worth $5,000. It is assessed for $5,000. The annual personal property taxes, based on a 3% tax rate, are $150. The penalty for not rendering is $15. Should Bob make sending the rendition form to the appraisal district a priority above working with his customers, seeking new customers, and working with his staff?Owners of business personal property who either are not on the tax rolls or whose property is grossly under-assessed will have to decide whether to render. It is clear that the law requires owners to render and there is now a 10% penalty if you do not render; the amnesty provision provides a modest incentive to render. Consider the following example: Charlie owns a wholesale distribution business with $995,000 in inventory and $5,000 in furniture and equipment. However, Charlie’s current BPP assessment is $100,000 and annual taxes are $3,000. If he does not render he will likely pay annual taxes of $3,000 and a 10% penalty for a total of $3,300. If Charlie does render, his business personal property taxes will increase to $30,000 per year. It is clear that owners of business personal property are required to render and that there will be a 10% penalty for not rendering starting in 2004. Whether owners render will depend partly on their records, risk tolerance, and corporate culture.ConclusionThe new business personal property rendition requirements will sharply increase compliance with rendition laws over the next three to five years. Many small business personal property account owners will probably not address the issue until receiving a 2004 tax bill with a 10% penalty for failing to render. It is unclear how many large accounts are either not on the tax roll or are substantially undervalued. It is clear there are some, but from a practical perspective this writer has not seen or heard of many such cases.The benefits of the law are that it will make taxation more equitable between business personal property and real property. It will also make business personal property taxes more equitable between those who do and do not render. Less attractive features of the new rendition requirements are an increase in tax revenue and an increase in paperwork for businesses.Reduce your property tax by contacting Oconnor & associates.Oconnor & associates can represent you at the Brazoria County Appraisal District.

Tax Planning For A Bigger 2007 Refund The time to start your tax planning strategies is earlier in the year rather that later. In Canada, and from what I read in the newspapers and online, most taxpayers worldwide feel that they are paying too much tax. And to add insult to injury, most of the taxes paid are not being put to good use. Almost daily, we hear about the misuse of some huge amount of tax funds gathered from taxpayers.

While it seems we can do little about these transgressions, we can use effective tax planning strategies that will help us minimize our tax liabilities. Tax planning does not involve convoluted tactics to hide or reduce income. These will get you into big trouble with your tax collector and are not worth the effort, especially when there are legal and more beneficial ways to keep more money in your pockets and away from the Taxman. A very effective tax planning strategy is to make charitable donations. In Canada, the Canada Revenue Agency allows tax payers to donate up to 75% of their income. Which means your income for taxes would be on just 25% of your earnings. A very effective tax reduction incentive! However, not many tax payers can realistic afford to do this. Many Canadian tax payers do make charitable donations in an effort to be philanthropic as well as to receive the resulting tax credits. Beware! Not all charities are created equal and some are downright suspect. At the very least a charitable organization should be registered and have a verifiable tax ID number. Not all charitable organizations adhere to the strict guidelines that make a good charity program effective and sustainable even when challenged by the tax collecting agencies. When looking at tax shelter programs (this is what these tax reduction strategies are called) it is important that you inquire about how the program deals with issues of -œvaluation-, -œadvantages-, and -œimpoverishment-. Valuation: In Canada, recent legislation has established rules that prohibit tax payers from receiving a tax credit for donating property at an appraised price that is higher than the property’s purchase price. Previously, donors were allowed to acquire property at a low price and gift it to a charitable organization, receiving in exchange a donation receipt at the higher appraised value. Under the new legislation, the value of the receipt must equal the original purchase price of the donated item provided that this amount does not exceed fair market value. Advantage: The value of any -œadvantage- (personal financial benefit) that you might receive from making your donation must now be deducted from the value of your donation receipt. For example, those donors who purchase a $200 charity golf tournament ticket and received dinner, drinks and course fees valued at $140, would only receive a $60 donation receipt. Impoverishment: To claim a tax credit for a donation, donors must demonstrate they are impoverished financially after making their donation. In other words, donors must be -œout of pocket- as a result of the transaction. To make your charitable donation effective as a tax planning ensure that any program you choose is compliant in all these aspects. There is no point in using tax planning strategies that will not stand up to scrutiny or worse yet, have you accused of attempting to circumvent the rules of compliancy. Yvonne Finn provides all year tax planning for her many happy Canadian clients. She invites you to come visit her website to learn how she can show you how to get back up to 90% of your annual income by using effective and CRA compliant tax shelters. RezwealthFinancial

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A friend just turned me on to Ms. Perry’s work. She writes historical mysteries. I love mysteries, especially British ones so I thought I’d give it a whirl. Interesting stuff this. Young girls are being found on and around the vicinity of Cater Street and they have been strangled. At first one is led to believe they are a little loose morally but then another victim is claimed and the idea shifts. The only common denominator is they are young females. This story is centred around a family of three daughters, one of whom is married. They are socially active as well as involved in helping those less fortunate than themselves. We meet friends and neighbours of theirs, an odious vicar and his wife and their household staff.There are many suspects and I believe that you will be kept guessing until literally the second to last page. That is pretty impressive in and of itself. The writing is good and her characters are interesting, if not annoying or self righteous. One wonders if people really behaved in the ways they are written about here. The girls’ grandmother, who lives at both their home and also her daughter’s house is singly the most obnoxious character in the book – if not many I have read. She is rude and quite horrid to all in the household except for her son and draws major conclusions throughout the book. I challenge you to figure this one out and if you do, kudos!

Medical billing is a process that starts from the patient at the contact point. The first step to take when it comes to the medical billing process is preregistration. This is the right time to put together the insurance and demographic information of a patient. The information gathered is helpful to the financial success and adjudication of your practice and medical claims. The front end processes in the billing process is included in this step.The second step involves getting the patient’s personal information, which is referred to as the demographic information. The information included is the security number, gender, date of birth, phone number, address and the patient name. It is usually important especially when one is exchanging information with the patient on future contact or with companies such as insurance about the follow up of claims. In order to follow the regulations and rules with Health Insurance Portability and Accountability Act (HIPAA) the demographic information needs protection as it is personal.Putting together insurance information is the other step to take in the billing process. The information is captured in an accurate manner taking more time at front end processes. The type of information which is included is the patient’s ID number, type of policy, phone number, the insured name of the patient and the insurance provider’s name. It is also appropriate and advantageous to get the mailing address for different claims.The other step involved in the billing process is obtaining insurance information prior to the patient arriving for his or her first appointment. By doing this, your billing practice will have the ability to obtain the required authorization, verify benefits and eligibility, obtain referrals in addition to being able to verify co-pay and deductible information. If a billing practice fails to obtain proper referrals, claims will be denied.The final steps in the medical billing process include retrieval and checking of medical claims, which involve the company team checking all documents, medical coding, where the billing company fixes the diagnosis code for the patient and the medical claims audit, which involves checking for and verifying the complete information and procedure. After these steps, the billing company follows them up with the payment agencies and insurance companies until the disbursement of the final settlement.

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Stablon is an antidepressant medication, consisting of Tianeptine, used to treat people suffering from depressive disorders as mood or panic disorder, dysthmia [adjustment disorder], post-traumatic stress disorder [PTSD], or major depression. Stablon is a pain-reliever as well, isn’t as addictive as mu-selective opioids, and doesn’t sedate. It doubles up as a fast-acting bronchodilator – the ideal choice for alcoholic asthmatics undergoing depression, as it makes the patients feel well without making them feel intoxicated or leaving a hangover that accompanies alcohol. Stablon for stability: Stablon containing Tianeptine, is beneficial in treating the entire range of depressive illnesses afflicting people. Serotonin, a neurotransmitter, is believed to control moods, sleeping pattern and body temperature, and works by transporting signals from one nerve cell to another, but when it gets re-attached to the parent nerve, it upsets the chemical balance in the brain. Selective Serotonin Reuptake Inhibitors [SSRIs] inhibit the work of serotonin, by not letting it get re-attached to its parent nerve, thereby correcting the chemical imbalance in the brain. Tianeptine is a selective serotonin reuptake accelerator yet, surprisingly, it does not have an adverse impact on the brain; in ways not understood by scientists, it works towards maintaining the brain’s chemical balance! It is used to treat severe or chronic depression, dysthmia [adjustment disorder], mood or panic disorder, and post-traumatic stress disorder [PTSD].

For those considering treatment with Stablon, it is essential to give your complete medical history to your psychiatrist/treating doctor, informing the physician of all the medicines being taken by you [including OTC, prescription, nutritional supplements, herbal products], and any known allergies, so that your doctor can work out the correct dose regimen for you. The physician should know if you are an alcoholic, suffer from a kidney ailment or have asthma. Should you have to undergo a surgery, you must inform the surgeon/doctor that you are taking this medicine, as soon as surgery is recommended. Treatment with Stablon has to be suspended normally at least 24-48 hours before a surgical procedure takes place; emergency operations can take place under vigilant operative supervision. If the medicine is suspended because of a surgery, for re-starting the dose, you must consult your physician. Stablon [Generic Tianeptine] is an oral medication, taken usually 3 times in a day. The medicine is quickly absorbed, and as quickly eliminated by the body, so to derive full benefit from the medication, you have to stick to the dose regimen. A missed dose can be taken if you remember an hour or two later, but not otherwise. Doses must never be doubled, so take Stablon exactly as advised by your psychiatrist/physician. All medicines have some side effects; if you take Stablon, you might experience mild dizziness, headache, abdominal pain, constipation, nausea, or vivid and complicated dreams. If these symptoms persist, or become worse, or any other unusual symptoms occur including chest pain, difficulty in breathing, insomnia, decreased sense of libido, asthenia [loss of strength], trembling, fainting, myalgia [muscular pain], or anorexia [prolonged loss of appetite], then you have to stop taking the medicine and immediately contact your treating doctor, or the emergency room. Stablon is known to have the least number of side-effects amongst antidepressants. This medicine cannot be taken alongside MAO inhibitors, neither does it work well if combined with other anti-depressants, Saliclyic acid [especially at high plasma concentrations], or SSRIs like Prozac. It is well-tolerated by everyone – especially the geriatric population – and very effective for those who suffer from memory problems. Stablon should be properly capped, and stored at room temperature away from heat and dampness, out of reach of children and pets. Any medicine that has passed the expiry date or is no longer being used should be properly discarded. Stablon is not recommended for children below 15. Pregnant or lactating women, or those considering pregnancy, must consult their gynaecologist/psychiatrist before starting treatment with Stablon. Don’t stop taking the medicine on your own and don’t share it with anyone else. Though this is a non-sedating medicine, you may check with your physician whether you should drive or operate machinery while on Tianeptine. Tianeptine has an extremely calming effect by reducing irritability and impulsiveness; though it functions similarly to mu-opioids, it does not lend to aggressive behavior in individuals. While curing psychological disorders, SSRIs are known to dampen libido, but Stablon [Tianeptine] is different – it is known to have saved families and friendships from disintegrating, and prevented many-a-marriage from going-on-the-rocks. Resources: Stablon is a friend for those in distress. To overcome depression and start living happily, Buy Stablon online from our Online Pharmacy .

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The idea of investing in real estate can be frightening to many people, particularly if they are concerned about filling the role of property manager and having to run out to fix maintenance problems for tenants. Unless an investor chooses to fill this role, however there is no reason why he or she would need to be bothered with such details. The fact is; real estate is one of, if not the safest investment vehicle around. There are a number of benefits related to investing in real estate.

Tax Shelter and Deductible Benefits Some of the first benefits anyone considering investing in real estate should consider are the enormous tax shelter and deduction advantages. Of course, any interest paid on mortgages financed for the purpose of investing is tax deductible; however if an investor elects to use certain vehicles, like a Roth IRA to handle their real estate investments, the profits they earn can be entirely tax deductible. Profit There is a tremendous opportunity to reap significant profit from real estate investing. The number of safe, affordable housing options for today’s families is decreasing while the number of deteriorating properties is on the rise. What this means for investors is that there is a definite market to be able to purchase properties at low prices, fix them up and then either rent them out or sell them. Even at a conservative estimate, a real estate investor could stand to bring in a 30 or 40% profit. Portfolio Diversity In this day and age there are a number of investment options and opportunities. Obviously, stocks are one of the biggest options. While there is room to make some hefty profits by investing in Wall St., there is also room to suffer tremendous losses. Investing in real estate does not mean you have to forego other investment options. It does mean that by diversifying your portfolio, you secure some of your heard earned money. While the future of stocks is unsure at best, the future of real estate is clear skies ahead. Real estate investing has always traditionally performed well and is the securest investment option available. Continuous Income Real estate investing can be a great source for continual income; which is great for many people, including those who are retired and need some supplemental income. If an investor chooses, rather than rehab a property and immediately resell it; they can rent out the property. This can even be handled using a property manager so that the actual owner/investor never even has to change a light bulb. The only interaction they need to have with the property is depositing the rent checks. Appreciation Regardless of what type of property you invest in, if you do nothing more than mow the grass or hire someone to do it, that property is going to increase in value. Why? Because real estate traditionally appreciates at a rate of about 9% per year. It’s a simple part of supply and demand. As Mark Twain once said, “Buy land. They’ve stopped making it.” ================================== Sal Vannutini is the author of Fixer-Upper Fortunes: How to make big profits from fixer upper properties. New real estate home study manual reveals how you can safely make a fortune fixing up old homes and quit your job forever. Click here now: http://www.fastfixerupperprofits.com Sal is also the creator of “Foreclosure Wizard”. He has created the ultimate foreclosure investment tool. It provides a unique step-by-step process that will help you quickly and easily determine which deals have profit potential and which ones are a waste of your time. Click here now: http://www.foreclosurewizard.com ================================== ##Attn Ezine editors/Site owners## Feel free to reprint this article in its entirety in your ezine or on your site so long as you leave all links in place, do not modify the content and include our resource box as listed above. If you do use the material please send us a note so we can take a look. Thanks. Feel free to substitute your affiliate link in place of our link in the resource box. Earn 40% on every purchase you refer. Affiliate details are available here: http://www.fastfixerupperprofits.com/affiliates.htm ==================================

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