Saturday, 27 September 2014


The timeshare industry first was originated in Europe in the 1960's. Timeshares allow owners to purchase a fraction of the vacation property of a trust that owns several holiday resorts. The buyers of timeshares have to pay a lump-sum amount for owning the holiday package and a prescribed annual fee for cleaning, insurance, and local fees. At present, the timeshare industry includes nearly 6,000 Worldwide Resort Resales like Walt Disney World, Marriott, and the Four Seasons with timeshares sold to almost 7 million families.

How To Put A Value On Your Timeshare
You could assume appreciation over time like your home, determine the price based on what you paid for the timeshare, or perhaps just let the market determine the timeshare sales price. You are thinking that timeshare is like your home and it should go up in price over time. The sad truth is that timeshare values have never appreciated over time. The price of timeshares sold from the resort developers has gone up over the years but not the "value". I've heard people blame "big marketing costs" for resort developers as the reason for inflated purchase price and why resale transactions are so low. Every home purchase has marketing and sales costs. So home prices have marketing and sales costs too but over the last 70 years you could have sold your home for more than what you paid.

The current sales price of my timeshare from the resort is $15,000 so that's the price." Your timeshare is selling on eBay for 10% of what you paid. The problem is the poor perception and value of timeshares, timeshare exchange companies, and the timeshare industry overall. Timeshare struggles with having a positive review outside this timeshare world. The timeshare industry has corrupted or allowed corruption of this product. If the industry focused on how to bring more value to timeshares then timeshare values would rise.
Determining price can be difficult. What if you could trade the timeshare for free? If Bill Clinton were here perhaps he'd tell the timeshare industry "It's about the customer, stupid!"

Friday, 19 September 2014

How to Stop an IRS Wage Garnishment

Whatever the reason, you are now threatened with an Internal Revenue Service (IRS) wage garnishment. In addition to the IRS, wage garnishment can also be issued by courts and federal agencies.

How Wage Garnishment Works
If the taxpayer does not pay the tax or ignores the notice, the IRS will send a Final Notice at least 30 days before the wage garnishment.

By federal law, wage garnishments are restricted to 25% of an employee's disposable income if employee disposable earnings are more than 30 times the federal minimum wage. What Employers Should Know About Wage Garnishment

A notice is sent to the taxpayer's employer, telling the employer to withhold a certain amount of the taxpayer's wages and pay it directly to the IRS.

The employer is not allowed to refuse the wage garnishment. Wage garnishments are taken out of payroll. An IRS wage garnishment will continue until the entire tax debt is paid or other arrangement is made to pay off the tax debt.

how to delay wage garnishment
•    Get a tax specialist involved. Tax professionals can contact the IRS to negotiate stopping a wage garnishment.

Is the PS4 Reviews Really the Best Gaming Console?

Unlike most of the rhetoric and over inflated pre-game smack talk, the PS4 review appears to have delivered on its claims and is the most powerful console on the market. With some nicely equipped exclusive game titles, streaming access, and multiplayer capabilities, PlayStation enthusiast will most likely greet the newest arrival with open arms. A it stands today, the PS4 has made quite an entrance.

Performance: 5.0 / 5.0
Sony boasts that its new hardware allows it to perform ten times better than the latter PS3. This extra space helps when downloading movies and games from the PlayStation market. The HD graphics of the PS4 are stunning and the consoles responsiveness is presently unmatched.

Features: 5.0 / 5.0
The PS4 comes in the same half matte black and half gloss exterior as the Xbox One. Although the PS4 does not have backwards capabilities to play your PS3 titles, many of the games previously owned can be purchased for a considerable discount from their online store. The only catch - you will have to insert the older PS3 disc into the console while playing the online version.

Games purchased from the PlayStation Store are downloaded straight onto the hard drive and there's no need to worry about the disc being lost or scratched. The new PS4 Dual Shock 4 has seen some physical changes that cause it to stand out a bit from its earlier counterpart. Although the Dual Shock 4 can be purchased and used on the PS3, the older Dual Shock 3 controllers are not compatible with the PS4.
For those who already own a PS Vita, you can stream games from your PS4 over the Wi-Fi to the handheld unit. As far as music goes, both the Xbox and PS4 have their own channels. The PlayStation online gaming community has seen some great improvements to the interface and gameplay features. One handy feature of the PS4 is the iOS and Android app which allows users to connect to the PlayStation Store and purchase and download games while away from home. All in all, the PS4 still has a nice interaction and variety of features in the multimedia department, but lacks the depth experienced with the PS3. The PS4 weighs in $100 cheaper than the Xbox One, but even if you removed the Kinect component to drop the price of the Xbox, the PS4 is a much better value for the dollar. We felt this design error also present with the PS3 would have been addressed, but apparently not. The PS4 is a powerful gaming console that delivers gamers exactly what their looking for; a seamless HD gaming experience with full functionality and control. For more reviews and helpful gaming and tech articles, visit Consumer High Five. You may also see the list of our top five gaming consoles for 2014.

The Real Estate Coach

This text entitled The Real Estate Coach with the subtitle A Story of Real Estate Investment Success, is written by Bradley Sugars, a renowned entrepreneur, author and business coach who has helped nearly a million clients around the world to achieve business success. Sugars is the founder of Action International, a global network of business coaches with nearly 1000 offices worldwide. Sugars says you should stop working for someone else and start living the dream of working for yourself. The only sure way to achieve real wealth and the attendant freedom is by letting your investments work for you, asserts Sugars.

Structurally, this text is divided into 12 parts. Sugars says real investment must produce an income stream while it is increasing in value. This author stresses that the investing rules for buying a new inner city unit are quite different from those that apply when buying an existing house in an outer city suburb. He adds that there are rules for property you intend living in yourself; property you intend renting out; property you want to buy and sell again quickly; property you intend holding onto long term; property you aim to get capital gain from; property you are buying for a rental purchase plan and property you are buying through vendor finance deals. Sugars educates that there are about 27 different types of residential real estate categories.

According to this author here, most people understand only two basic philosophies for investing in real estate. Sugars illuminates that a property item that has relatively low capital growth usually has a higher rental flow, while investment property items that generate a greater cashflow can usually be found in lower socio-economic areas, outer suburbs, country towns and in some high-density housing areas.

This author says property offers investors excellent tax advantages in many countries around the world. In parts three to eight, Sugars discusses concepts such as buying land value, not houses; buying residential real estate; buying, renovation and redrawing; profit at purchase; buying on the numbers; and cosmetic only, not structural.

Part nine is entitled "Buy where you are an expert".

DIY Holiday Crafts

The holiday season is upon us! October means the beginning to the holiday marathon that is Halloween, Thanksgiving, and Christmas. For me the holidays also mean arts and crafts. The holiday season is a perfect time for crafting! Perfect for creating homemade gifts or just making your own holiday diy home decor, holiday crafts, or holiday cards.

Halloween: So the first holiday on the horizon is Halloween; probably one of the best holidays ever invented by anyone anywhere. Halloween brings a lot of DIY crafting opportunities. Carving pumpkins is probably the #1 Halloween craft. You can create your own Halloween mask or costume, Halloween card, Halloween scrapbook page and more. I love that there is now downloadable and printable scrapbooking layouts, paper piercings, and digital stamps for all my crafting needs. This holiday also brings great opportunity for the craft lover. Thanksgiving cards, fun and artful decorations, and of course who can forget the good old Thanksgiving turkey hand. Christmas: As soon as Thanksgiving ends the Christmas lovers start all things Christmas. People are crazy. So anyways, Christmas brings more crafting opportunities thanks to the added present aspect to this holiday. Decorations, scrapbooking, Christmas cards, and Christmas party invitations are just some of the many crafting opportunities during the Christmas month.

DIY Projects

The draw of being self-sufficient also is a factor to have DIY pinterest, as well as the many schemes' connections with environmental improvements, an immense aspect in the frame of mind of today's people.
DIY fanatics would surely love to find any fresh, cool projects to be put into practice, as too many are simple beginners' ideas for those hoping to enter the world of DIY. Working with measurements and tools is a must for the DIY people, and connected to this, keeping masking tape on hand to help mark measurements of parts that you are working with (just by sticking them on), while a standby bag can be handy to keep tools that you use frequently, which might be inclined to 'lose' themselves when you require them!

Costs of DIY projects can be irritable sometimes, and saving some money by getting acquainted with the neighborhood building business, eventually asking if you can have an account with them might facilitate you not only to get discounts for materials, but also correct, reliable advices about your intended projects.