How You May Benefit From A Real Estate Bargain Sale Transaction

Owning underutilized or distressed property can be a critical burden. There’s carrying costs to consider, the head ache of maintenance and concern for the safety of an unoccupied building. But selling this type of property can be equally stressful and no more rewarding if not pursued appropriately. A good way to avoid these stressors is to consider a real estate bargain sale. A bargain sale real estate transaction requires selling your distressed property to a charity non profit organization. But how can you benefit from this, besides by making an excellent charitable contribution to society?

Tax Benefits of Gifting Real Estate

The real estate bargain sale is an option that was developed by the federal government IRS Code Section 170 and which predates the popular and more well known 1031 exchange. This form of bargain sale to charity permits the seller to realize more value from their investment property while minimizing their tax liability. Also the seller can get a charitable donation deduction on their taxes which can be used in one quarterly return if there is adequate income or spread out up to six years.. According to IRS publication 561:

‘If a contribution is made in property other than money, the amount of the deduction is based on the fair market value of the property in the time the contribution. The fair market price is the price where the property would change hands between a willing purchaser and a willing seller, neither being under any compulsion to purchase or sell and both having fair knowledge of relevant facts.’

What does that mean for you? It means a fast sale and typically more value than what the property may bring in a classical selling environment.

High Price, Fast Distressed Sale

Seems too good to be true right? For those who have been sitting on a distressed property for quite a while the concept of a quick, easy cash sale for a highest profit is just about as easily acceptable as a genie popping out of a lamp and removing the property from existence. But with a real estate bargain sale these dreams can really come true. As a result of rules governing the real estate bargain sale assessment technique it is possible to assess a higher fair market value than what might be obtained with a quick bank appraisal. As these sales are cash purchases closing can happen in as little as 30 days!

So by benefiting from a bargain sale real estate transaction instead of a more traditional selling technique the seller may realize a higher value, pay minimal capital gains taxes, receive a charitable donation deduction and enjoy a quick sale free of trouble and contingencies. All while giving to charitable organization! Your distressed property sale could be a painless and profitable project.

For more details visit and

Eco Friendly Biodegradable Dog Poop Bags

We live on a planet that is populated by over six billion humans. Each and every one of those humans creates waste. This waste takes up valuable space that we cannot create on our own and once that space is filled, we will have nowhere else to put our waste. That is why the entire planet needs to become environmentally focused. It only takes one person to make a difference, but six billion people can make a change.

This desire to prolong the life expectancy of mother earth has brought about many new inventions and creations. Cars can now run on ethanol, light bulbs use less electricity and last multiple times longer, homes are built to conserve energy and so on. There are so many things that people can do to help save the planet, that its becoming hard not to. But over the decades, we have come to realize that there is a certain material we use daily that is filling our landfills and keeping them full: plastic.

Whether you drink bottled water or get your groceries in a plastic bag, plastic is quickly polluting the earth. A typical plastic bag can take thousands of years to decompose in the earth and can leave an eternal imprint. One reason plastic bags are used is to clean up after dogs. The United States alone has over 70 million pet dogs and each one poops on a daily basis. If all the owners of these dogs used biodegradable dog poop bags that would mean that millions of plastic bags would be replaced with biodegradable dog poop bags each day. These biodegradable dog poop bags can decompose in as little as three years. This dramatic difference in decomposition is incredible and all dog owners should make the effort to use biodegradable dog poop bags. Like any other new earth friendly product that is invented, this too should be adopted by the human population for cleaning up after their pets. Do your parts in protecting the earth and use biodegradable dog poop bags the next time you have to clean up after your pet.

To buy your own biodegradable dog poop bags, visit

United Arab Emirates to Ban Plastic Bags

Following a sweeping international trend the UAE has announced that plastic bags will be banned by 2012 as has been reported by Gulf News on 4th July.

Beginning this year there will be a 3 or 4 stage process leading up to the complete banning of plastic bags by 2012. During this period there will be an extensive campaign to educate the public regarding the dangers of plastic bags and the advantages of alternatives such as jute bags, paper bags and biodegradable bags.

Albury Enviro Bags of course applauds moves to reduce pollution and plastic bag use and promote the use of more environmentally friendly alternatives. However, having said this, we do have some reservations about the best methods to ensure an environmentally responsible community. Most concerns about plastic bag use result from improper disposal of the bags and consequent littering of the environment. This clearly is a human behaviour problem which requires modifying, but is banning the product the best way of making people more environmentally responsible in regard to waste disposal? Even now many are concerned that the new biodegradable plastic bags will result in even more littering as these bags are being promoted as being environmentally “safe”, thereby actually encouraging littering behaviour.

We all need to adopt a more environmentally responsible attitude. Manufacturers need to minimise the amount of packaging and maximise the use of the most environmentally friendly alternatives. Consumers need to become more responsible by disposing of waste properly and using reusable bags instead of single use throwaway products.

Legislative banning of products will never be a substitute for responsible human behaviour.

Albury Enviro Bags provide a range of green bags and custom printed wholesale bags. Invest in a reusable green bag that is made from environmentally friendly fabrics. For more information or to place an order, visit Shopping Bags.

Consumers Could Pay More if the European Commission Caps Credit Card Fees

The European Commission (EU) has threatened to cap the credit card processing charges that banks impose on businesses and shops. In turn, the banks have threatened to add higher fees and other charges onto cards used by consumers. When it all finally boils down, it’s likely that UK households will take another hit in their billfolds.

As it stands now, credit cards like MasterCard and Visa charge businesses a 0.9 percent charge on all credit card purchases. This credit card fee costs businesses 850 million annually. The charge in debit cards is 0.2 percent. The EU wants to set a flat service charge fee of 0.3 percent.

On further examination, this matter gets more complex. The fees that businesses pay to banks are known as interchange fees. These fees cover the bank’s costs of processing credit card transactions such as fraud insurance and administration. Shops and businesses give banks different interchange fees based on size. Big retailers generating tons of sales tend to pay a smaller interchange fee. A mom and pop store will pay a larger interchange fee. These fees can vary from 2.5 to 0.1 percent.

The European Commission (EC) estimates that this fee payment market has a value of 112 billion. The EC is laying out the argument that the credit card sector is expensive and fragmented. Retailers tend to agree with the EC opinion. The British Retail Consortium (BRC) has been hammering the EC for a decade to end what it calls excessive and anti-competitive fees for processing credit cards. The BRC argues that consumers will benefit via lower prices if the fees are capped. At present, retailers eat these fees and charge them back into the business.

“We’re delighted with this landmark proposal,” said Helen Dickinson, the BRC director. “Capping these excessive and anti-competitive fees will support the UK retail industry by 362 million a year, boosting the industry’s ability to invest and innovate while continuing to deliver lower prices and value for customers,” Dickinson added in an interview at Daily Mail.

MasterCard Europe contends that if this EC cap goes through, consumers will be hit with a 25 annual fee per credit card. Marion King, president of MasterCard, warned that lower fees will result in less income for issuing banks, and that will force banks to charge consumers for using cards.

The EC fee proposal will force credit card companies to separate their payment card schemes from the business division that processes transactions. Essentially, this would destroy the current credit card model. The Financial Times (FT) describes this matter as the final battle in the long war between EU bureaucrats and payment providers. The Commission proposal calls for a 0.2 percent cap on debit transactions. Credit card fees would be capped at 0.3 percent. The EC estimates that EU debit card fees will be cut to 2.5 billion from 4.8 billion. Credit card fees will tumble to 3.5 billion from 5.7 billion.

Online Shopping The next big thing in India

Online shopping is attracting more and more people because of its time saving factor. There are numerous of websites that can help you in meeting your daily requirements. Its convenient easy and time saving.

Online Shopping in India is on a high these days. Be it any product, small or big, expensive or cheap, it’s all available on the internet. This craze is increasing day by day and have virtually multiplied the online sales figures in the recent past. At the end of the day, the consumer is the winner of the fierce competitive world of online sales. Online shopping is nothing but browsing the Internet by goggling the key words of your product you want to buy. It’s easy and the World Wide Web has made it even easier. It is a chain that’s keeps repeating itself in all forms of profit making business.

Now that the retail market is on boom, the internet is browsed more often than not, and people are aware of the famous brands, which leads to extreme competition. This has actually forced the market to lower prices and this leads to users changing their trustworthiness. A few days ago, what was something amazing is now not more than an option in the market. When it comes to buying and selling, people want it to be smooth and easy. It is like doing everything at the comfort of your home with the help of the internet. This trend is increasing in India. More and more people want to be the part of this virtual world.

The trend of online shopping in India is increasing because of the lack of time, fear of facing a traffic jam, weekend crowd, and overall the convenience to meet the daily requirements online is leading India to the virtual market. Online shopping was initially confined to the sale of books and music on the internet, but today the scenario has cut to a wider proposition. Here you can buy products ranging from a stereo system to an i-pod, Computers, Electronics items, Gifts, Home Appliances, Home Furnishing, Jewellery, Office Products, Personal Care products, Toys and Games and Travel packages among others.

There are specific portals for books, travel, music and mobiles. Not only are they ready to serve you 24 hours a day, but that too in a hassle free manner; the provision to do online payment ( through net banking, using credit ad debit cards) and cash-on-delivery have also contributed to the growth in demand.

What Is A Credit Card Protection Plan, And Do I Need It

Many banks offer optional credit card insurance, also known as credit card protection plans or balance protection plans. These plans offer debt protection in the event of the cardholder being unable to settle the outstanding balance. This may be as a result of death, disability or critical illness, or retrenchment.

Credit card protection plans are affordable and simple to secure, and as a credit card holder, its worth exploring this type of insurance to determine whether its worth having.

Learn more about balance protection plans below, or, if youre not yet a cardholder, explore the range of credit card options available to you.

How balance protection plans work
Just like any other type of insurance, credit card insurance covers the policyholder in the event of the unforeseen. Every time you use your credit card, youre accumulating debt. If something were to happen to you that made it impossible for you to cover that debt, how would the bank recover its money? Thats where a balance protection plan comes in.

If you have a balance protection plan in place, your credit card debt will be covered up to a set limit in some cases, as much as R150,000 per account. This amount varies from lender to lender, and may also depend upon the type of credit card you have. During a very difficult time, the burden of paying your credit card balance will be lifted from your or your familys shoulders.

How credit card protection plans pay out
Credit card protection plans insure your outstanding balance against death, disability, critical illness and retrenchment. In the case of death, a lump sum is usually paid out to cover the outstanding amount, up until the limit set by your lender again, R150,000 for example. The same applies for critical illness. If a cardholder is diagnosed with a critical disease (as defined by his or her credit card protection policy), the outstanding balance will be settled, up until the maximum amount specified by the policy.

In the event of disability, which renders the cardholder unable to earn a regular income for more than 30 days, the policy will generally pay out in instalments over a period of time for example, equal monthly instalments over 6 months. If the cardholder is retrenched, the policy will also usually pay out in monthly instalments. In the latter instance, these instalments will not generally cover the entire outstanding balance, but a portion thereof.

The specific amount of insurance provided by your policy will depend on your insurers terms. Be sure to discuss these terms with your insurer or lender.

Applying for a credit card protection plan
When you apply for a credit card, you may be asked whether youd like to take out a balance protection policy. If not, broach the subject with your lender. You can also apply for credit card protection plans online or at a bank branch.

Spare Kids From the Teenage Crisis Get Them Discount Designer Clothes

Keeping with today’s hip and cool trends when it comes to clothing can be a teenager’s biggest challenge. It all sounds so trivial to an adult, having to worry about what brand you wear to your high school class, but we’ve all been there once or twice. Remember those cold piercing stares that the popular kids would give you when you walked the hallway wearing your brothers hand me down from last year? These pressures are as real today as they were during your times and It is your responsibility as a parent to share in the burden by helping your child have a better chance of fitting in. Sometimes this can be important if not everything for a teenager. Studies have shown that kids who have a stable group of friends and those who have a successful social standing in their teen years develop better self esteem and become more successful in the future while those who have had a bad turn growing up will continue to spiral and have low self esteem and self worth.

The challenge in your mind at this point would probably be convincing yourself that paying hundreds of dollars in clothing options for your child is well worth the investment for developing self esteem. Remember that there shouldn’t be such a thing as “too good” for your child and you should never think twice about giving your kids the best that they can have in life. Now if budget is really your concern then look to the wisdom of experience and practice smart shopping principles. You can meet your kids halfway buy getting them those designer clothes at bargain price, killing two birds with one stone. You not only help your kids by creating a self esteem improvement device through cool clothes but you don’t feel bad because your wallet bled to death in the process.

Finding specialty outlets that carry wholesale prices isn’t very hard. There are several whole sale ware houses that carry designer goods and market them at discount prices. These are made possible because of the universal laws of supply and demand. Most of the time clothing companies make more than what they sell and to help break even with production costs they hold ware house sales. Now if the discounts here aren’t enough to tickle your fancy then take a bolder approach by going cyber. Internet auction sites, particularly eBay.com carry a lot of major discount choices at the same high quality that a retail store would have.

“The clothes make the man” is something the author swears by. She also swears by her use of GPS vehicle tracking devices.

Dinghy For Sale

Are you thinking of buying a used dinghy ? Would you be interested if you saw a used dinghy for sale sign? Plenty of used dinghies are offered for sale though one must be careful when buying a dinghy just as you would be if buying any small boat.

What looks great on the outside may have Recesses That Are Practically Inaccessible and therefore very difficult to examine, the Void under the Floor Would be one possible instance, so if you’re considering buying a used dinghy you need to make a very thorough examination of it especially in the area of the internal hull below the waterline.

If the dinghy is to be used as a tender and it comes with a small outboard it would be worthwhile finding out the service history of the outboard, when was the gearbox oil last changed?

The condition of the impeller and salt water pump? these things are fairly critical. If the dinghy comes on trailer then it is important to check that the wheel bearings are in good condition as well of course the main structure of the trailer as boat trailers are very prone to rust and corrosion.

If buying a used dinghy from eBay or any other auction website, beware as it is pretty easy to get caught up in the bidding for a dinghy that is too far away to be easily examined, it may look great in the photographs on the website, but up close could have major problems. It is wise to only bid on dinghies offered for auction that are in your local area and easy to check out.

If considering buying a used sailing dinghy there will of course be a lot more equipment to make an examination of, this will of course include a mast the rigging, sails and a rudder.

One of the most popular class of small sailing dinghies is the world-famous “Mirror” an incredible number of budding sailors and especially children have learned to sail in the “Mirror”

if you are interested in finding a good used sailing dinghy, you may find a dinghy for sale at your local sailing club, were of course you will also get some pretty good advice.

Many people have started their boating journey in dinghies of one sort or another, so buying a used dinghy may be the start of a passion for boats, sailing and the sea that could be with you for the rest of your life.

Improve Customer Satisfaction, and Loyalty with Mystery Shopping

Have you ever had such a lousy customer experience that you left a place of business feeling frustrated or angry? Maybe the employee ignored you, acted uninterested, made a mistake or just didnt care. Maybe the product they sold you just didnt meet your expectations or the store was unclean or untidy. What if this was your place of business, with your products, and your employees?

Mystery Shopping programs take a snapshot of your brand in action helping organizations identify whats actually happening at customer touch points enabling them to improve on their customer retention.

Mystery shopping in Australia is a huge and ever-expanding industry. Engaging a retail mystery shopping company in Australia, gives you the ability to utilize mystery shoppers who visit your store and report back to you on it.These mystery shoppers, unknown to staff take notes of every detail youve requested your mystery shopping company to report back on. Once the mystery shop has been completed each mystery shoppers report is summarized and given to you so that you know exactly what youre doing right and where you need to improve. From here, many organizations then have the information they need to put in place reward & recognition programs that help motivate staff to improve the customer experience..

Mystery shopping is one great way to gain an understanding of your customers experience in your store. Retail mystery shopping in Australia ensures that mystery shoppers come from the same demographics as your customers: giving you real data and real insights from people who are reflective of those who come into your store.

It doesnt matter what kind of business you are in. Whether youre a caf, a restaurant, a clothing retailer, a bank, an airline, a supermarket, a furniture store, or something even more obscure, mystery shopping has benefits for all. Your return on investment from mystery shopping in Australia far outweighs the costs of the mystery shopping company you pay: this feedback is invaluable in better understanding your customers and improving your business.Happy loyal staff members create happy loyal customers.

Aside from customer experience, mystery shoppers will take note of your stores cleanliness and how things are presented. If the mystery shopper has trouble finding products, or if products arent laid out across the store in a logical or simple fashion, the competent mystery shopper will take note of that. If the store is dimly lit or if there is distracting music, odors, or other nuisances, the diligent mystery shopper will certainly put it in his or her mystery shopping report.

So why wait on making your business all it can be? Look into mystery shopping in Australia today and get a real look at how your employees and your establishment are performing.

Selecting good riding pants,socks and shoes is more conducive to long-distance riding

Riding inevitably be caused by compression of the perineal, so long will become a hidden danger of suffering from prostatitis.cycling bandana The same time, the site for a long time airtight, will bring personal hygiene adversely affected. Therefore, often riding friends, riding pants are essential.

From outward appearances, riding pants running pants is not much difference, but the former has added a layer of cushion in the crotch? Its basic effect is to relieve the pressure on the perineum, the cushion using special materials can also enhance permeability and inhibit bacteria breeding. In addition, good riding pants surface thereof is also good air permeable material, to avoid the leg sweat deposition. The riding trousers tight effect was also evident, there is similar to the design of the pants fit at the legs, or the installation of tie-down straps to prevent the inside of the legs caught in the crankset.

If you are using ordinary sports socks and sports shoes, you feel burning pain in feet and feel siltation lot of sweat after long rides? cycling leg warmersIf you’re keen to speed, you often feel strong leg leaving on it? If this is the case, you may consider Additions cycling socks and cycling shoes.

The cycling socks breathability and abrasion resistance than ordinary sports socks must be high, can reduce the side effects brought on a sole continuous pedaling. Cycling shoes are divided into self-locking and non-self-locking two, the latter is similar to ordinary sports shoes, just more emphasis on the tightness, the former must comply with self-locking foot, both are used, their feet tied to the foot (of course, you want to take down is also very easy), so you can relieve your feet slip worry, engrossed in lifting speed. cycling underwear However, in a lot of bad road conditions or be used with caution self-locking function, from fall to take about 10 seconds to unlock the self-locking, if the road is very bumpy, the car is very easy to get out of control, or you still novice, it is recommended or not use as well.