Sunday, March 6, 2011
Sunday, January 30, 2011
Saturday, September 11, 2010
Sunday, September 5, 2010
Различные варианты раскрыть реальные Форт Лодердейл недвижимости FL USA
Выбор недвижимого имущества Форт-Лодердейл FL действительно бесконечных этих поисках образа жизни, умеренной местный прогноз погоды, низкий уровень преступности и культуры. Проблемы появляются, если вы вошли в помещение государственной вы хотите сделать ваш анализ, поэтому вам не воспринимаются благо в то время как в поисках Фактические собственности Форт-Лодердейл FL.
Группа жителей свыше 100 и 70, 000 Форт-Лодердейл она быстро растет и с жителями стоимости фактического имущества Форт-Лодердейл FL тоже. На самом деле одной семьи Фактические имущество Форт-Лодердейл FL оценили более 30% в 2005 и народ цифры относятся Этот год тоже.
Если вы переходите к этой прекрасной штата или города "Форт LaudyDa" целесообразно открыть экспертов, кто-то к вере, когда куплю Фактические собственности Форт-Лодердейл FL. Вы можете найти перечень агентов и готова в любую минуту свойства saleThe столицу Форт-Лодердейл FL была основана в 1911 и расцвел в то, что некоторые называют "Венецией Америки". Расположенный между Майами и Палм-Бич воды на этот город освещается весь лот, с Атлантического океана, Нью-Ривер и многие живописные внутренние водные пути, предлагая довольно много воды основанный досуга. Все эти замечательные деятельность вне то, что делают Фактические имущество Форт-Лодердейл FL такого притяжения.
При покупке недвижимости Фактические Форт-Лодердейл FL, большинство людей считают туризм как один деловых мероприятий в городе Форт-Лодердейл, но она быстро превращается в мирового класса, международных районе предприятия. В горячих точек для нового предприятия в морских, финансы, производство высоких технологий, аэрокосмической, кино и телевидения производства расширения тех отраслей, делает выбор Фактические собственности Форт-Лодердейл FL все более важное значение.
Фактические внесении имущества Форт-Лодердейл FL более соблазнительным являются такие вопросы, как 3000 солнечных часов, все ветер года океана в дополнение к всемирно известный Форт-Лодердейл Приморский! Еще одна область, подумать, глядя на Фактические собственности Форт-Лодердейл FL являются районы реки прогулки который имеет огромное сообщество искусств и бульвар Лас Олас по магазинам города и района моде, всю необходимую информацию для некоторых при поиске недвижимости Фактические Форт-Лодердейл FL.
Если ты задумался о покупке недвижимости Фактические Форт-Лодердейл FL. вам нужно сделать так, чтобы созерцать связаться Ангел Кальсадилья пруденциальных Флориды Realty на (954) 632-3593 он может быть невероятным ресурсов в служении Вам сделать выбор в отношении недвижимости Форт-Лодердейл FL для получения дополнительной информации о фактических собственности Форт-Лодердейл FL .
Удачи вместе со своими искать Недвижимость Форт-Лодердейл FL USA
Angel Calzadilla, realtor
6175 Bayview Drive
Fort Lauderdale, FL. 33308
USA
Группа жителей свыше 100 и 70, 000 Форт-Лодердейл она быстро растет и с жителями стоимости фактического имущества Форт-Лодердейл FL тоже. На самом деле одной семьи Фактические имущество Форт-Лодердейл FL оценили более 30% в 2005 и народ цифры относятся Этот год тоже.
Если вы переходите к этой прекрасной штата или города "Форт LaudyDa" целесообразно открыть экспертов, кто-то к вере, когда куплю Фактические собственности Форт-Лодердейл FL. Вы можете найти перечень агентов и готова в любую минуту свойства saleThe столицу Форт-Лодердейл FL была основана в 1911 и расцвел в то, что некоторые называют "Венецией Америки". Расположенный между Майами и Палм-Бич воды на этот город освещается весь лот, с Атлантического океана, Нью-Ривер и многие живописные внутренние водные пути, предлагая довольно много воды основанный досуга. Все эти замечательные деятельность вне то, что делают Фактические имущество Форт-Лодердейл FL такого притяжения.
При покупке недвижимости Фактические Форт-Лодердейл FL, большинство людей считают туризм как один деловых мероприятий в городе Форт-Лодердейл, но она быстро превращается в мирового класса, международных районе предприятия. В горячих точек для нового предприятия в морских, финансы, производство высоких технологий, аэрокосмической, кино и телевидения производства расширения тех отраслей, делает выбор Фактические собственности Форт-Лодердейл FL все более важное значение.
Фактические внесении имущества Форт-Лодердейл FL более соблазнительным являются такие вопросы, как 3000 солнечных часов, все ветер года океана в дополнение к всемирно известный Форт-Лодердейл Приморский! Еще одна область, подумать, глядя на Фактические собственности Форт-Лодердейл FL являются районы реки прогулки который имеет огромное сообщество искусств и бульвар Лас Олас по магазинам города и района моде, всю необходимую информацию для некоторых при поиске недвижимости Фактические Форт-Лодердейл FL.
Если ты задумался о покупке недвижимости Фактические Форт-Лодердейл FL. вам нужно сделать так, чтобы созерцать связаться Ангел Кальсадилья пруденциальных Флориды Realty на (954) 632-3593 он может быть невероятным ресурсов в служении Вам сделать выбор в отношении недвижимости Форт-Лодердейл FL для получения дополнительной информации о фактических собственности Форт-Лодердейл FL .
Удачи вместе со своими искать Недвижимость Форт-Лодердейл FL USA
Angel Calzadilla, realtor
6175 Bayview Drive
Fort Lauderdale, FL. 33308
USA
Thursday, August 19, 2010
ANGEL CALZADILLA PRUDENTIAL FLORIDA REALTY La Rive
ANGEL CALZADILLA PRUDENTIAL
FLORIDA REALTY (954) 632-3593
FLORIDA REALTY (954) 632-3593
La Rive condominium 715 Bayshore Dr Fort Lauderdale
by Angel Calzadilla 954-632-3593
by Angel Calzadilla 954-632-3593
Rising from the shores of Fort Lauderdale Intracoastal Waterway is
the renowned La Rive as a tribute to the luxurious coastal
lifestyle. Wrapped in windows, La Rive embodies a sophistication that
is further reflected in its opulent interiors.
La Rive affords its residents the added comforts of all full-time
concierge and doorman. It also offers acces to the fully equipped private
gym,spa and pool. Watch the yachts while you work out, swim or sunbathe
on the luxurious pool deck. Have friends pick you up on their yatch
at La Rive guest dock or take the water taxi to and from Las Olas. Standing atop the stunning Intracoastal
scenary, this wonderful example of modern architecture not only offers
ultraluxurious homes, but the perfect location to the area best dining
and entertainment and world-class beaches.Two pets welcome.
the renowned La Rive as a tribute to the luxurious coastal
lifestyle. Wrapped in windows, La Rive embodies a sophistication that
is further reflected in its opulent interiors.
La Rive affords its residents the added comforts of all full-time
concierge and doorman. It also offers acces to the fully equipped private
gym,spa and pool. Watch the yachts while you work out, swim or sunbathe
on the luxurious pool deck. Have friends pick you up on their yatch
at La Rive guest dock or take the water taxi to and from Las Olas. Standing atop the stunning Intracoastal
scenary, this wonderful example of modern architecture not only offers
ultraluxurious homes, but the perfect location to the area best dining
and entertainment and world-class beaches.Two pets welcome.
For more
info please call Angel Calzadilla, realtor, at 954-632-3593
info please call Angel Calzadilla, realtor, at 954-632-3593
e-mail: angelrealtor104@hotmail.com
website
Thanks
Saturday, August 7, 2010
C.L.U.E. ® Reports Comprehensive Loss Underwriting Exchange
A centralized database, the Comprehensive Loss Underwriting Exchange
( C.L.U.E. ® ) has been established by the insurance companies to act as a clearinghouse for quick reference of this data. The C.L.U.E. ® is maintained by the Georgia-based company Choice Point. Over 600 companies covering 90% of the insurance market contribute to the database.
The C.L.U.E. ® database.
Homebuyers purchasing older homes may find it difficult to obtain insurance, even if they have no history of filing claims. If the industry database indicates that the property itself is catastrophe-prone, insurance companies may refuse to insure the property. Purchasers who have a record of filing too many claims on their current residences may find it difficult, even impossible to obtain hazard insurance on the new home they want to buy.
Without insurance, buyers may be unable to obtain loans ( remember that in order to close your purchase Real Estate transaction you have to obtain insurance prior to attend to the closing table)
In mid-2002 , the Wall Street Journal reported that several major insurance companies were implementing policies that would penalize property owners who filed 2 claims within 3 years ( “Your are Cancelled : How to Hang on to Your Home Insurance” , [May 14, 2002] D1). Generally, insurance companies forgive one claim in 5 years.
When a consumer files a claim with their insurance company , it recorded in the C.L.U.E.® database. That information is shared with other insurance companies when consumers shop for new insurance coverage.
It is not , however, used for renewing coverage with the consumer current insurance company.
The database has been in use for over 15 years. Prior to the development of the C.L.U.E.® , the insurance companies checked for prior claims by writing letters, sending faxes, and making phone calls. This practices added cost and delayed the insurance agent’s ability to provide the consumer with a quote.
The C.L.U.E.® database tells the agent and insurance company what claims consumers have filed in the past 5 years. The database does not tell the insurance company what to do with the information. The database does report what claims have been filed by the policy holder for personal losses , such as a lost wedding ring and also losses that have occurred to the property , like a kitchen fire. Approximately , 2/3 of all C.L.U.E. ®
Reports show no claims at all.
A tool for consumers.
The C.L.U.E. ® report can be a powerful consumer tool for home sellers , as well as buyers. Sellers can advertise the fact that they have not had any claims. The buyer may wish to ask the seller for a copy of the seller’s property C.L.U.E. ® report to learn about prior problems with the property.
Real Estate professionals may wish to consider having their customers order a C.L.U.E.® report as soon as they are under contract to market their home.
By ordering the report early, consumers can check for inaccuracies and have them corrected before they seek insurance.
Under the federal Fair Credit Reporting Act, C.L.U.E.® reports can only be accessed by the owner or insurer for the property. However, licensees who list properties and homebuyers can request that the current owner of the property order a C.L.U.E.® report.
It is also important for homebuyers to speak with their insurance agents as soon as possible so agents can begin securing appropriate coverage for the new home. In a tight insurance market , obtaining insurance cannot be taken for granted.
( C.L.U.E. ® ) has been established by the insurance companies to act as a clearinghouse for quick reference of this data. The C.L.U.E. ® is maintained by the Georgia-based company Choice Point. Over 600 companies covering 90% of the insurance market contribute to the database.
The C.L.U.E. ® database.
Homebuyers purchasing older homes may find it difficult to obtain insurance, even if they have no history of filing claims. If the industry database indicates that the property itself is catastrophe-prone, insurance companies may refuse to insure the property. Purchasers who have a record of filing too many claims on their current residences may find it difficult, even impossible to obtain hazard insurance on the new home they want to buy.
Without insurance, buyers may be unable to obtain loans ( remember that in order to close your purchase Real Estate transaction you have to obtain insurance prior to attend to the closing table)
In mid-2002 , the Wall Street Journal reported that several major insurance companies were implementing policies that would penalize property owners who filed 2 claims within 3 years ( “Your are Cancelled : How to Hang on to Your Home Insurance” , [May 14, 2002] D1). Generally, insurance companies forgive one claim in 5 years.
When a consumer files a claim with their insurance company , it recorded in the C.L.U.E.® database. That information is shared with other insurance companies when consumers shop for new insurance coverage.
It is not , however, used for renewing coverage with the consumer current insurance company.
The database has been in use for over 15 years. Prior to the development of the C.L.U.E.® , the insurance companies checked for prior claims by writing letters, sending faxes, and making phone calls. This practices added cost and delayed the insurance agent’s ability to provide the consumer with a quote.
The C.L.U.E.® database tells the agent and insurance company what claims consumers have filed in the past 5 years. The database does not tell the insurance company what to do with the information. The database does report what claims have been filed by the policy holder for personal losses , such as a lost wedding ring and also losses that have occurred to the property , like a kitchen fire. Approximately , 2/3 of all C.L.U.E. ®
Reports show no claims at all.
A tool for consumers.
The C.L.U.E. ® report can be a powerful consumer tool for home sellers , as well as buyers. Sellers can advertise the fact that they have not had any claims. The buyer may wish to ask the seller for a copy of the seller’s property C.L.U.E. ® report to learn about prior problems with the property.
Real Estate professionals may wish to consider having their customers order a C.L.U.E.® report as soon as they are under contract to market their home.
By ordering the report early, consumers can check for inaccuracies and have them corrected before they seek insurance.
Under the federal Fair Credit Reporting Act, C.L.U.E.® reports can only be accessed by the owner or insurer for the property. However, licensees who list properties and homebuyers can request that the current owner of the property order a C.L.U.E.® report.
It is also important for homebuyers to speak with their insurance agents as soon as possible so agents can begin securing appropriate coverage for the new home. In a tight insurance market , obtaining insurance cannot be taken for granted.
Thursday, May 20, 2010
How To Protect Your Family From Estate Tax Uncertainty
An Illinois woman inherited not quite $100 million this year. Estate taxes could consume 53%, 45%, 16% or none of it, depending on whether the federal and/or Illinois estate taxes--which both lapsed on Jan. 1, 2010--are reinstated retroactively. "It's wacky to have so many scenarios and not know what the tax is," complains Richard A. Lang, a Chicago partner of McDermott, Will & Emery representing the estate.
You're not crying for the heiress or her lawyer? Then consider another Lang client, a widow trying to divide her late husband's modest estate with the children from his first marriage without incurring ill feelings or big lawyers' bills. The husband's will was tied to the defunct federal estate tax. Now, by one legal reading the widow gets everything outright. By another, all the assets go into a trust that ultimately goes to the children, with the widow having access to the trust's earnings (and, if need be, principal) while she's alive. "This is going to be worked out," Lang vows.
Lots of families are living in similar estate limbo. Under the crazy terms of the 2001 Bush tax cuts, the federal estate tax expired on Jan. 1, 2010 and then springs back to life on Jan. 1, 2011, with only $1 million in assets exempt from a stiff 55% levy on all assets not left to a spouse or charity. Meanwhile, a long-standing provision, which "steps up" the basis of someone's assets to their market value at his or her death (allowing them to be sold immediately with no capital gains taxes due), has also lapsed for 2010.
President Obama and most Democrats want to restore the estate tax retroactively to its 2009 state--meaning $3.5 million per estate would be exempt, the tax rate would be 45% and all assets would get a step-up in basis. Republicans want a higher exemption and lower rate. When and how this gridlock will end is anyone's guess. After all, rational folks (including most estate planners) had assumed the pols would cut a deal before the tax expired. Complicating matters: Any retroactive tax is likely to face an epic court fight from rich heirs, perhaps including those of Texas pipeline tycoon Dan L. Duncan, who died in March with (we estimate) $9.8 billion.
You need to be careful even if you don't have as much as Duncan. Here are some tips.
Have contingency plans. Make sure your estate plan accounts for a year with no estate tax, as well as a minimal $1 million exemption next year. Typically, a couple's wills are designed to use each spouse's estate tax exemption, without leaving a surviving spouse short of funds. When the first spouse dies, the exemption amount goes into a "bypass" trust for the children and the rest goes outright to the surviving spouse. The survivor has access to trust income and, if needed, principal, but the amount in the trust bypasses his or her estate.
With no estate tax such formula-driven plans don't work as intended, with too little, too much or even nothing left to certain heirs. So far ten states have passed laws saying that an estate's executor can fund the trust as if the 2009 estate law is in place; Florida has decided to require heirs to go to court to sort it out.
If you have a bypass trust, consult a lawyer now. You may be able to do a cheap fix with a codicil that clarifies how your assets should be allocated if there is no estate tax when you die. Or, if your plan is old and you live in a state with an estate tax, consider a will rewrite that might help your family minimize the combined federal and state tax bite. (Nineteen states and the District of Columbia have their own estate taxes, and these laws are also constantly in flux.)
Get the basis. Track down your cost basis for securities, collectibles, real estate and other appreciated assets. For 2010 deaths the law allows a $1.3 million step-up in basis for property left to anyone, plus an additional $3 million step-up for property left to a spouse. (So a spousal heir can get $4.3 million in total step-ups.) If your property has more than $1.3 million in unrealized gain, your executor will need to allocate the allowed step-up to different assets and heirs--meaning he'll need to know the basis of each item.
If you don't die this year, your research won't go to waste; it will help you avoid the temptation to hold on to a bad investment because you don't know its basis and to manage your capital gains as tax rates rise.
Reconsider your executor. Maybe the son, daughter or sibling you named as executor because he or she lives close by and "gets along" with everyone is still up to the task. Maybe not. The executor may have to make complicated and delicate decisions--for example, which assets, going to which heirs, get stepped up in basis. "Beneficiaries will start sniping after the fact," warns Kenneth Brier, a Needham, Mass. estate lawyer. You may want to name a nonheir as executor to reduce potential conflicts of interest. Once you settle on an executor, related or not, consider granting him or her the latitude to make decisions without fear of being sued, suggests Norman Benford, chairman of the trusts and estates practice at Greenberg Traurig.
Give a little. The estate tax uncertainty reinforces the wisdom of giving away some assets while you're alive--so long as you're sure you won't need them. Anyone can give anyone else up to $13,000 a year in cash or assets without having to worry about gift taxes. So you and your spouse could transfer $26,000 a year to each child or grandchild. You can also pay anyone's education or medical bills, without dipping into the $13,000 exclusion, if the payment is made directly to the school or medical provider.
In addition, each person gets a lifetime gift tax exemption of $1 million. (Once the estate tax comes back, gifts made under this provision will reduce your estate tax exemption dollar for dollar.) Above that $1 million the gift tax rate this year is just 35%. Yes, there's a risk that Congress could retroactively reinstate 2009's 45% gift tax rate. But wealthy families are making taxable gifts now, in part because they worry that Congress might crack down later on techniques such as grantor-retained annuity trusts and family limited partnerships. (Both are used to hold down the taxable value of gifts.)
Give a lot. If your spouse is in failing health (and a U.S. citizen) consider giving him or her most of your assets, suggests New York City estate lawyer Jonathan Blattmachr.
Why? Gifts to citizen spouses aren't taxed, and if your spouse dies this year while there is no estate tax, you can pass down more to your kids and grandkids, free of estate tax. Note: Except where state taxes are relevant, there's nothing to be gained from giving away the last $1 million.
Angel Calzadilla
Prudential Florida
You're not crying for the heiress or her lawyer? Then consider another Lang client, a widow trying to divide her late husband's modest estate with the children from his first marriage without incurring ill feelings or big lawyers' bills. The husband's will was tied to the defunct federal estate tax. Now, by one legal reading the widow gets everything outright. By another, all the assets go into a trust that ultimately goes to the children, with the widow having access to the trust's earnings (and, if need be, principal) while she's alive. "This is going to be worked out," Lang vows.
Lots of families are living in similar estate limbo. Under the crazy terms of the 2001 Bush tax cuts, the federal estate tax expired on Jan. 1, 2010 and then springs back to life on Jan. 1, 2011, with only $1 million in assets exempt from a stiff 55% levy on all assets not left to a spouse or charity. Meanwhile, a long-standing provision, which "steps up" the basis of someone's assets to their market value at his or her death (allowing them to be sold immediately with no capital gains taxes due), has also lapsed for 2010.
President Obama and most Democrats want to restore the estate tax retroactively to its 2009 state--meaning $3.5 million per estate would be exempt, the tax rate would be 45% and all assets would get a step-up in basis. Republicans want a higher exemption and lower rate. When and how this gridlock will end is anyone's guess. After all, rational folks (including most estate planners) had assumed the pols would cut a deal before the tax expired. Complicating matters: Any retroactive tax is likely to face an epic court fight from rich heirs, perhaps including those of Texas pipeline tycoon Dan L. Duncan, who died in March with (we estimate) $9.8 billion.
You need to be careful even if you don't have as much as Duncan. Here are some tips.
Have contingency plans. Make sure your estate plan accounts for a year with no estate tax, as well as a minimal $1 million exemption next year. Typically, a couple's wills are designed to use each spouse's estate tax exemption, without leaving a surviving spouse short of funds. When the first spouse dies, the exemption amount goes into a "bypass" trust for the children and the rest goes outright to the surviving spouse. The survivor has access to trust income and, if needed, principal, but the amount in the trust bypasses his or her estate.
With no estate tax such formula-driven plans don't work as intended, with too little, too much or even nothing left to certain heirs. So far ten states have passed laws saying that an estate's executor can fund the trust as if the 2009 estate law is in place; Florida has decided to require heirs to go to court to sort it out.
If you have a bypass trust, consult a lawyer now. You may be able to do a cheap fix with a codicil that clarifies how your assets should be allocated if there is no estate tax when you die. Or, if your plan is old and you live in a state with an estate tax, consider a will rewrite that might help your family minimize the combined federal and state tax bite. (Nineteen states and the District of Columbia have their own estate taxes, and these laws are also constantly in flux.)
Get the basis. Track down your cost basis for securities, collectibles, real estate and other appreciated assets. For 2010 deaths the law allows a $1.3 million step-up in basis for property left to anyone, plus an additional $3 million step-up for property left to a spouse. (So a spousal heir can get $4.3 million in total step-ups.) If your property has more than $1.3 million in unrealized gain, your executor will need to allocate the allowed step-up to different assets and heirs--meaning he'll need to know the basis of each item.
If you don't die this year, your research won't go to waste; it will help you avoid the temptation to hold on to a bad investment because you don't know its basis and to manage your capital gains as tax rates rise.
Reconsider your executor. Maybe the son, daughter or sibling you named as executor because he or she lives close by and "gets along" with everyone is still up to the task. Maybe not. The executor may have to make complicated and delicate decisions--for example, which assets, going to which heirs, get stepped up in basis. "Beneficiaries will start sniping after the fact," warns Kenneth Brier, a Needham, Mass. estate lawyer. You may want to name a nonheir as executor to reduce potential conflicts of interest. Once you settle on an executor, related or not, consider granting him or her the latitude to make decisions without fear of being sued, suggests Norman Benford, chairman of the trusts and estates practice at Greenberg Traurig.
Give a little. The estate tax uncertainty reinforces the wisdom of giving away some assets while you're alive--so long as you're sure you won't need them. Anyone can give anyone else up to $13,000 a year in cash or assets without having to worry about gift taxes. So you and your spouse could transfer $26,000 a year to each child or grandchild. You can also pay anyone's education or medical bills, without dipping into the $13,000 exclusion, if the payment is made directly to the school or medical provider.
In addition, each person gets a lifetime gift tax exemption of $1 million. (Once the estate tax comes back, gifts made under this provision will reduce your estate tax exemption dollar for dollar.) Above that $1 million the gift tax rate this year is just 35%. Yes, there's a risk that Congress could retroactively reinstate 2009's 45% gift tax rate. But wealthy families are making taxable gifts now, in part because they worry that Congress might crack down later on techniques such as grantor-retained annuity trusts and family limited partnerships. (Both are used to hold down the taxable value of gifts.)
Give a lot. If your spouse is in failing health (and a U.S. citizen) consider giving him or her most of your assets, suggests New York City estate lawyer Jonathan Blattmachr.
Why? Gifts to citizen spouses aren't taxed, and if your spouse dies this year while there is no estate tax, you can pass down more to your kids and grandkids, free of estate tax. Note: Except where state taxes are relevant, there's nothing to be gained from giving away the last $1 million.
Angel Calzadilla
Prudential Florida
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