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5 Sneaky Ways To Lower Your Property Tax


Many property owners do not want the city assessor to come into the interior of their building. If you have done extensive work, well, then okay, you have a reason. If you have done no repairs and feel the interior of the property is a bit to be desired, you may wish to invite the assessor inside. Make sure you are available to walk around your property with the assessor and point out the bowed walls because the roof needs to be replaced. Point out the unleveled floor because the property has shifted a bit over the years and probably needs some support beams. Point out some good things as well, never dwell on just the bad points. This might help to lower your assessment, thus lower your property tax liability.

Look at your tax card at the county assessor’s office. You might find some interesting things about the assessment of your property. In a home, the assessor may include a room as a bedroom, but in all reality, you cannot fit a bed in the room. You can also see if they note any improvements or structure damages. If you see any information on the tax card that does not appear correct, talk to the assessor and have the corrections made. This is going to help lower your property tax liability as well.

If you think an in ground pool will benefit the family or a deck for fry outs, or maybe even a larger garage, you might think twice. Any permanent structure that you place on your property will increase your property tax liability. You might consider a nice above ground pool, a backyard barbeque area and forget about the larger garage. This will help keep your assessment value lower, this is a big plus to lower your property tax liability when the assessor comes knocking.

The next way to lower your property tax liability is to keep your decorating ideas at a minimum. Although assessors do follow a set of guidelines for assessing your property, something that looks like a splendidly elegant property will play a role in the assessment. You may find yourself with a higher assessment than a property similar because your property is elegantly decorated. You can decorate, but when the assessor comes to inspect and judge the property, you might not want to impress him or her.

The next thing you can do is know the neighborhood. Sometimes viewing similar properties just like your property may show you some inaccuracies as far as assessed values. Sometimes mistakes are made and you can point this out to the assessor. If you find a property exactly like your property, except it has a larger garage, newer windows, a shed or even a deck and it is valued lower than your property which has none of these things, you might consider calling this to the assessor’s attention. They can and do make entry mistakes as well as observation mistakes. You need to do some checking and thinking before the assessor comes to visit your property.

Excalibur Hotel and Casino Brings Magic to Life


If you are harboring thoughts of bringing the family for a Las Vegas vacation, then perhaps you should seriously consider a stay at Excalibur Hotel and Casino. This hotel will have you feeling as though you’ve stepped into the fairy tales of your childhood. From the moment you cross the threshold from the outside world to the charmed existence of life in the hotel you will find that you have truly been charmed and are leading a somewhat enchanted existence.

Not only is there the magnificent casino to enjoy, there is also the wonderful pool, links golf, the castle walk for your shopping pleasure, and the midway where you can play all kinds of fun and exciting arcade and carnival games. Perhaps one of the most memorable and impressive of offerings is the Tournament of Kings dinner show. This show is offered nightly at 6:00 and 8:30 and you will eat in the manner of those in medieval times, without utensils while watching the evil wizard Mordred as he invades the evening festivities. This show is quite enjoyable and relies heavily upon audience participation.

Dining in the hotel and casino can be quite the adventure without the assistance of horses and actors as there are several dining options including the Roundtable Buffet, The Steakhouse at Camelot, Regale Italian Eatery, Sherwood Forest Café, and how could we forget Sir Galahad’s Pub and Prime Rib House?

If you’re looking for the fairytale wedding of your dreams, then Excalibur has the package for you. You can even elect to rent medieval costumes in which to get married. There are many different packages available to fit various budgets and wedding needs. Wedding packages vary in price from around $400 plus $55 for the cost of the minister to around $1575 plus the cost of the minister. These are all rather basic packages and do not include extras such as costume rentals, extra poses for the wedding photos, or video and candle services.

Before your big day make sure you make liberal use of the spa services available at Excalibur Hotel and Casino in Las Vegas. Of course this is a great idea even if you are just hoping to relax while on vacation. You remember relaxation right? That is what you did on occasion before you had children. You should definitely get the royal treatment that is available through the spa and enjoy every minute of your visit. Some of the spa services offered at Excalibur include: facials, wraps, Aveda facials, and various massages. There are add on services that can be purchased and packages available. This is a great way to spend an hour or three before your big day or any day.

Once you’ve finished getting pampered at the spa, step on over to Kristina’s Salon and get primped. You can enjoy everything from manicures to full service hair styling services. Whether you are preparing for your big day and saying “I do!” or simply for a romantic evening on the strip this is a great place to begin.

Excalibur also offers full service catering and convention services. Whether you are hosting a wedding reception or a company convention we have the facilities as well as the expertise to keep everything operating seamlessly behind the scenes so that all eyes will be on the things that are important. Projections and profits for the corporate conventions and the bride and groom for wedding receptions.

Excalibur Hotel Casino can meet almost any lodging and accommodation needs for those staying and playing in Las Vegas, more than that we can provide a great ‘fairy tale’ atmosphere for your family vacation or just your big trip in general. If you haven’t given proper consideration to the idea of staying here during your visit, I highly encourage that you do-especially if you have a little princess in your party that you are trying to impress.

Private Yacht Charters: Perfect for Honeymooners


Are you and your romantic partner about to be married soon? If so, have you started planning your wedding? Although it is important to focus on the planning of your wedding, you may also want to take the time to plan or at least think about your honeymoon. After all, there are many individuals who feel that their honeymoon is just as important, if not more important than their wedding.

If you have yet to decide on a honeymoon destination, you are urged to examine private yachts. Yes, private yachts. In the United States and even all around the world, there are a large number of individuals and companies that have private yachts available for charter. When you charter a private yacht, it is also like you are renting the yacht. Many times, the only difference is that you are given your own personal yacht crew. In fact, that crew is just one of the many reasons why you should think about chartering a yacht for your honeymoon.

As it was previously mentioned, most private yacht charters come with a yacht crew. This crew most commonly includes a captain and people who are often referred to as deck hands. Depending on the particular yacht chartering company that you choose to do business with, you may have a number of other professional onboard. These professional may include a maid or even a personal chef. What does this mean for you? This means that by chartering a private yacht for your honeymoon, you could really get a five star service; five star service that is often found in luxurious hotels or vacation resorts.

Speaking of luxury, luxury is another one of the many reasons why a privately chartered yacht may be perfect for your honeymoon. If you aren’t already aware, yachts are like traditional boats, but they are larger and they tend to have more onboard amenities. It is not uncommon to find yachts that have dinning rooms, kitchens, bathrooms, and even a laundry room! It is also important to note that many yachts are luxurious in nature. It is not uncommon to find the cabin of a yacht decorated elegantly or with hardwood floors. In some cases, luxury yachts have even been compared to five star resorts.

It is also important to note privacy. Privacy is the whole reason why people decide to charter private yachts. It enables them to have a private vacation, trip, or honeymoon. In fact, as it was mentioned above, the only other people aboard your yacht should be trained staff. You may also take comfort in knowing that most yacht chartering companies require that their onboard staff sign non-disclosure documents. This means that they are legally barred from discussing any part of your vacation with anyone, whether those people be their friends, relatives, or the media. While you might not necessarily be worried about your honeymoon being leaked to the public, it may still give you comfort in knowing that it will not be.

A honeymoon aboard a private yacht sounds absolutely amazing doesn’t it? What is even more amazing is that you can also get married aboard a privately chartered yacht, if you want to. A number of couples have been known to do so. Depending on where you are, location wise, you may be able to have your ceremony in the open waters, slightly off the coast, or you can even get married aboard your chartered yacht when it is still docked in the port; the decision is yours to make. If you haven’t already started planning your wedding or if your plans aren’t set in stone, you are at least encouraged to think about having your wedding ceremony aboard your privately chartered yacht. It would likely be a ceremony that you would never forget.

As you can see, there are number of different reasons why honeymooning aboard a privately chartered yacht may be right for you. Of course, the decision is yours to make, but you may at least want to give it some serious thought. Traveling, privately, on the open waters may be the perfect way to romantically celebrate your new union as husband and wife.

Small Business Insurance: Do You and Your Subcontractors Need It?


Small business insurance is necessary for your computer consulting business. Take out a policy on liability and errors and omissions and that should be adequate small business insurance.

Of course, you need to check with an accountant or lawyer for specific information, but in this article, you’ll learn what small business insurance has worked for our computer consultants and customers in the past.

What Type of Small Business Insurance Do You Need?

You should definitely have both a general liability as well as a professional liability policy for your services. That professional liability should have the errors and omissions insurance rider folded into it as part of your small business insurance coverage.

How Much Will It Cost You?

This insurance will range in cost, but $3500 is about average. Typically, small business insurance companies will base your price on your size, in terms of employees, the sales volume you’re doing, and how they characterize you by risks.

Take time to carefully explain and look at the categories with your agent before they lump you into something that you’re not. A lot of times they might classify you into software developers which could be a very different risk category than network installers or resellers.

Do Your Subcontractors Need Small Business Insurance?

Yes, each of your subcontractors should definitely have general and professional liability and errors and omissions insurance. You should not be covering them. Otherwise what you’re doing is probably providing benefits that are more like what you would do for an employee as opposed to a contractor.

What’s The Next Step With Your Small Business Insurance?

Talk to your attorney and talk to your insurance agent. If you have an insurance agent that takes care of your property and contents insurance needs, you should definitely sit down and talk with them. You might want to ask this question of your accountant also because they have a relatively similar business model in your same area.

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Something Old, Sometime New: Insurance When You are Getting Married


Health insurance providers are not created equal. Before a couple is married, the option of sharing coverage is extremely unusual unless one of your insurers offers domestic partner insurance. As you become engaged, if you both have separate insurance it is important to talk about the both of you switching to the better plan once you are married. There are a few factors consider, which include deductibles, co-payments, and the benefits of each separate plan. Marriage is a big step, and it can be done with ease if the two of you settle important decisions such as your health insurance plan before you take the big leap.

Your deductible is the amount you must pay each year to start your policy. Once this payment is made you will be responsible for whatever amount of co-payment your insurance company requires for you to pay for the health expenses that are covered in your particular policy. The amount of co-payments that you will be responsible for is established at the time you agree to your health insurance policy. It is going to be a certain percentage of health expenses; for instance, you pay 10% while your insurer will be paying the other 90%. You and your fiancé should compare both of your plans and figure out which deductible and co-payment plan seems most appropriate for the two of you.

Married couples are usually eligible for certain benefits that unmarried couples are not. Being insured separately by the health care provider sponsored by your employers may no longer be the most beneficial option for you. If you or your fiancé has insurance, and the other does not, once the two of you are married they can be added to the other partner’s plan. Cost of adding an additional person is definitely something that should be examined. You should not be required to pay more for adding a spouse or even a child in the future because most plans are offered to immediate family at no extra cost. The best way to compare policies is to estimate a yearly amount of normal health expenses, emergencies, co-payments, and deductibles. Whichever plan has the lowest cost to you will almost always be the best choice.

In addition to sharing health insurance with your new spouse, you may also want to consider switching the rest of your insurance plans, such as the policies you have for your separate automobiles. This is because most companies will give you a discount on having more than one vehicle insured. You may also be interested in finding a company that can insure you home, automobile, and health in one place. If you carry more than one policy with a company, they will also usually give you some sort of discount on them. It is important to sit down and discuss insurance with your fiancé because the two of you could be saving money and stress by figuring out what decision is best before the time comes.

Debt Management for Personal Loans


Personal loans can offer individuals a way to have the funds for an array of uses. Some are necessary while others are for pure enjoyment. It is important that you consider the financial obligation that comes with personal loans. Too often, individuals access money quickly then struggle to repay it. If you don’t have a good budget in place you may find yourself unable to make the payments on your personal loan.

An area where many individuals get into trouble with personal loans is debt consolidation. Within a year most people who use personal loans for this find themselves in even worse financial shape. This is because they have not altered their spending habits any. The result is they charge their credit cards up to the limit and now have those payments to make again as well as a personal loan payment. They may soon find they are drowning in the swimming pool of debt.

Enrolling in a debt management plan may be a great alternative for you to help you meet your financial obligations. Most debt management plans involve working with your creditors to reduce interest rates as well as working with the individual to establish a realistic budget and work to change spending habits.

The first step in the process is to do some research on the debt management programs available. Find out how long they have been in business and check for any reports from customers with the Better Business Bureau. Once you have chosen one, call to discuss your situation with them and schedule an appointment. You will need to bring statements for all of your bills as well as verification of your income.

With a debt management counselor you will discuss your monthly obligations. They will work with your creditors to reduce the interest on your debt. This will reduce your monthly payments. You will then make one monthly payment to the debt management agency. They will then disburse the funds to your creditors. You will continue to get monthly statements from your creditors for your records.

It is important that you understand you can’t use any of your credit cards that you place into a debt management program. Keeping that in mind, you might want to choose one with a very small limit that you pay separately. You will avoid making any additional charges on that credit card unless it is an absolute emergency. You will want to discuss this with your debt management counselor.

Most creditors are willing to accept the terms of a debt management program because it shows you are accepting responsibility for your debt. They want to recoup the money you owe so this is a very realistic way for that to happen. Most debt management agencies have policies in place about missing payments. Generally, if you miss two payments in a row they will drop you from the program. It is important you notify the debt management agency if you are having difficulties with making a payment.

Obtaining credit is often too easy, yet repaying it can be a struggle you have for a large portion of your life. If your personal loans and other debt have spiraled out of control, contact a debt management program to see if they can help your situation.

Getting the Right Free Legal Forms Online


If you need to file legal forms for any kind of legal proceedings or business deals involving legal issues, you have to make sure that you have to right kind of forms with you. Otherwise, you will just have to go through the hassle of getting new forms, filling them up again and filing them at courts. And surely, it would be much fun to get the legal forms that you need for free. Now, did you know that the best place to find free legal forms is through the World Wide Web? You should know that the internet is now an avenue where you can search for almost anything. And now even legal forms and other legal papers can be found online.

However, don’t be enticed by just any free legal forms online. You may not know it but you can get free forms online which are not authentic and legitimate. Not because they are free will it means that you’ve got a great deal. As you may know, there are lots of free and good things on the internet; however, there are also some people out there whose only intentions are to deceive others. So, you have to beware.

How Not to Be Deceived with Free Legal Forms Online

Being very careful when lurking the Internet is important because there are also thousands of scammers lurking out there waiting to swindler other people. You know, it may not involve money, but you wouldn’t want to waste your time and effort, right?

Here are some tips on how you can get real deal on free legal forms online;

• Check the website’s authenticity by looking for testimonials about it and the services offer offered. Be sure to look for real testimonials from real people. Forums are mostly where you can find these reliable testimonials.

• Before you download free legal forms online, it is better to check whether it is legal to do so in the place where you live.

• Also check if the legal forms you are about to download are appropriate for the legal needs that you have.

• After you’ve downloaded the legal forms, do not be overjoyed just yet. Before you fill it up, it is better to check if what’s written on the form is correct and if they are accepted at courts in your area.

The Types of Free Legal Forms Online

Aside from the tips above, it will help you a lot if you know what type and kind legal forms you need. It is better t consult your local library abut this. The clerk there can also tell you what form you need and for what. Here are some of the most common types of free legal forms online which you can download;

• Business Legal Forms – these are legal forms which include rental agreement forms, forms for article of incorporation, forms used when you assign stock certificates, agreement forms for shareholders, buy and sell agreement forms, subscription agreement forms, etc.

• Personal Legal Forms – these include legal forms such as Last Will and Testament forms, Living Will forms, forms in Utilizing Gifts to Minors Act, forms use when you enter a contract, affidavit forms as well as forms used when you are about to sell any property that you have.

• Real Estate and Property Forms – these will include forms related to real estate dealings such as leasing forms, forms for rental application, rent receipt forms, forms for mortgage assumption agreement, sale and purchase contract forms and forms used for permission to sublet agreement.

All About Data Recovery


At some point in time, everyone who owns a computer will experience the trials and tribulations of hard drive failure. The reasons behind it vary, and could include everything from a human error to damages resulting from flood or water. Viruses can play a role as well, along with many other factors. For many years, the need to recover data that has been lost or destroyed has made data recovery such a very valuable asset.

Almost all hard drives can be recovered. Normally, if the drive is making a ticking or a scratching noise, you can use certain software programs to recover the data. Sometimes, due to age or bad parts, the aperture arm in the hard drive can fail, or the platters can become damaged and lose the data that they hold. If you can’t recover the information with software, you’ll need to send the hard drive off and have it either rebuilt or have technicians recover your data.

Data recovery is always an option, from hard drives that are 2 GB in size to the largest of over 300 GB or more of data. No matter what size hard drive you have, the data can generally be recovered. Keep in mind that if you’ve had a computer crash, you’ll need to send the hard drive off to have the data recovered by technicians.

One of the key benefits of data recovery is the fact that information can also be retrieved from the recycle bin as well. Partition recovery, and even information that has been lost somewhere on the disk can be retrieved as well. Even though it may seem like your data is gone forever – the technicians that specialize in data recovery can retrieve it.

From Windows to Mac, everything can be recovered. There are different filing structures and formats, including NTFS and FAT32. These are common Windows filing structures, and hold all of the information for your hard.

Those of you who have multiple hard drives in your computer, can rest assured that RAID configurations can also be recovered. If a single hard drive on the RAID configuration fails, the RAID setup will absorb the blow and there won’t be a loss of data. On the other hand, if the entire RAID configuration crashes, it will crash big time. Whenever this happens, you’ll need to send it off and have technicians restore both the RAID hardware and software.

Anytime your hard drive happens to crash or malfunction, data recovery is there to help you get back your files. Whether they are personally files or very important files that are need for business – you can put your trust in data recovery and know that you’ll get everything the back the way it was.

Homeowners Face the Reality of Negative Mortgages


The idea of being upside down on a vehicle is not that new. This commonly occurs when a consumer makes the decision to purchase a new vehicle before they have paid off their existing vehicle. As a result, the balance of the loan on the existing vehicle is added to the note for the new vehicle. The result is that the consumer owes more on the new vehicle than it is actually worth.

Today, many consumers are finding they are now upside down on their mortgages. Unfortunately, this did not occur because they bought a new house and added in the cost of their old home to the new mortgage. This situation occurred in many cases because of the rapid rise of home values in many areas followed by the real estate market crash that sent home values subsequently spiraling downward.

In many markets, especially in California, the majority of homeowners are now actually upside down on their mortgages and that number is increasing rapidly. A large number of these homeowners are consumers who purchased their homes at the peak of the boom. During that time home values doubled and even tripled within a short period of time in many areas. This situation leaves many homeowners wondering what they should do. Options are often based on whether the homeowner is able to continue making their monthly mortgage payments. While some are able to pay their monthly mortgages, especially if they have a fixed rate mortgage, that is not the case with others who took out adjustable rate mortgages.

Homeowners who can still afford their monthly mortgage payments and who are not feeling the pressure to sell due to employment reasons may find they are better off by riding out the market decline. There is a wide belief that once the market bottoms out it will begin to rebound. If that occurs, these homeowners could still be poised to make a profit on their home once the market does rebound.

Other homeowners are not so fortunate; however. In some cases, homeowners simply have no choice but to move now rather than wait as a result of relocation or job loss. Homeowners who have adjustable mortgages may also find they are simply no longer able to afford their mortgage payments as they continue to rise. These homeowners are now facing the bitter reality of foreclosure when they are not able to pay off their debts or refinance their home loans because of tightening loan restrictions.

Homeowners are also facing the reality that their options are reduced because they have little if any equity in their homes. The amount of equity that a homeowner has in their home is often determined by the amount of their down payment. During the housing boom it was quite common for many buyers to purchase homes with very little, if any, down payment. At the time it seemed like a good deal; however, today it is causing significant problems as housing values continue to decline.

This situation is causing further problems for homeowners who would like to take out home equity loans either to make necessary home improvements or to consolidate higher interest debts. Even if they are among the few homeowners who do have equity in their home, they are finding that lenders are increasingly wary of making home equity loans. Just as the default rate on mortgage loans have increased, so has the default rate on home equity loans. Quite simply, lenders are no longer willing to take on risk when they are already holding a number of defaulted loans.

The ability to refinance has also dwindled in many locations. Not only are loan guidelines becoming stricter but most homeowners who are upside down are frequently finding the lower value of their home makes it nearly impossible to qualify for a new loan. In essence these homeowners now have negative equity and lenders are simply not willing to take on that risk.

Re-Financing with an Interest Only Mortgage


Interest only mortgages are a relatively new phenomenon in the re-financing industry as well as the home buying industry. While the appeal of an interest only mortgage is typically a greater monthly cash flow, this increased cash flow can come with a hefty price tag. In exchange for more cash flow each month, the homeowner may be sacrificing the ability to obtain a fixed rate mortgage as well as the ability to build equity. This article will further examine these features to provide the reader with more information on the subject of interest only mortgages.

Greater Monthly Cash Flow

The one main advantage for many homeowners in an interest only mortgage is the ability to increase monthly cash flow. Homeowners who re-finance by utilizing an interest only mortgage will likely have more money available each month because they will only be paying interest on their mortgage initially. The reduction of the principal payment can make it easier for the homeowner to either afford a larger house or have the ability to live more extravagantly on their budget. However, there is often a significant price to pay for these types of re-financing options.

While interest only loans may not be ideal, they can be beneficial in the situation where the homeowner is having a great deal fulfilling his monthly obligations. In this case, the homeowner may be willing to sacrifice an overall financial loss for the ability to continue to pay monthly bills in a timely fashion.

Unknown Risks of an ARM

Interest only re-finance loans are typically offered with an adjustable rate mortgage (ARM) this means the interest rate is not fixed and may fluctuate with the rise and fall of the prime index. This risk can be quite costly for the homeowner if the interest rate rises significantly. There is usually a cap placed on the amount, in terms of percentage, the interest rate can rise in a certain period but this can still be a very costly mistake for the homeowners.

An ARM re-finance option with an interest only component may be worthwhile in some situations. For example if the homeowner has a hybrid mortgage which features a fixed interest rate during the interest only portion and an ARM during the principal and interest portion of the loan they might benefit from this situation if they do not plan to stay in the home for longer than the interest only period. This period may vary depending on the lender and the circumstances. Homeowners who plan to sell the house before the interest only period ends and the ARM period begins enjoy the benefits of lower monthly payments and the security of fixed interest rates before they ever have to worry about repaying the principal or dealing with the varying interest rates.

No Equity in the Home

Another disadvantage to the interest only re-finance loans is they do not allow the homeowner to build equity in the home during the initial period where only the interest on the loan is repaid. This can be a problem for homeowners who are looking to profit through the sale of their home. These homeowners may find the participation in an interest only re-finance has had a damaging effect on the profit they are able to generate from the resale of their home.