Why You Need Good Credit in Phoenix

Right now the city of Phoenix, Arizona has a lot of things going for it. With sports the Coyotes were just eliminated but contended in the playoffs, the Cardinals are getting ready to take another run at the Super Bowl, the Diamondbacks are having a solid year, and the biggest news is that the Suns are real contenders for the championship. If you are planning to get tickets to playoff or regular season games, or you are planning to get season tickets for next year, you are going to need to act fast.

How about the real estate market here? There is no better place in this country right now to invest in real estate. Property values are down, but that is a good thing for buyers. Three national polls had Phoenix ranked in the top ten of places to live because of the potential improvement of the real estate market. Homes that were worth an average of $200,000 in 2005 are now being sold for half the price due to foreclosure. This gives anyone who is interest in buying a new home a great opportunity. Experts say that because of the high volume of quality schools and potential new jobs that are starting here, there is a great chance that the housing market will go up in the next two to three years and those median price homes will be back up in decent value. There are also many areas that are being built up to include more affordable housing but also give people a chance to build around the community with small businesses and such.

If the trend continues, Phoenix will have a great chance to pull out of the recession before the rest of the country does. Some areas are more suited to support themselves because they have stronger internal economies. Other cities rely heavily on tourism or taxes to make them money, but here we have the advantages of job stability.

If you really want to take advantage of living here, either with sporting events, buying a home, going to school or anything else, you need to make sure you have a strong credit score for loans and credit cards. To make sure of that you can get use a local credit repair company that can get the job done in weeks. Credit repair offers the most effective option to fix your score and it is very affordable.

Phoenix – To Permit, Or Not To Permit – That Is The Question

Here in the Valley of the Sun, as in the rest of American, many homeowners decide to remodel rather than move. Often, it is a sound idea. However, many Phoenix residents pose the question “Should I get a permit?”

The simple answer to this conundrum is, of course, yes. If it is required by law for the work you are contemplating, one could argue that you are indeed obligated to obtain a permit. However, this does not make for a very interesting article, so let us dig a little deeper to find out why.

Firstly, is it actually required? Obviously, you do not need to pull a permit for something as simple as changing a washer on a faucet. but in some parts of the country, any alteration to the home that exceeds $500 in cost, may require a permit. Make sure to check with your local authorities before you even start on the project.

Many folks tell me they do not want to obtain a permit because they want to “save” money. The reality, usually, is that such a move would probably prove to be a false economy. Because the permit is only part of the process; the other part being the physical inspection. Many folks regard the inspector as an overbearing busybody, and I suppose one or two are, but the fact is they are extremely knowledgeable professionals who, in essence, act as a buffer between you and your chosen contractor. You could argue all day with your contractor about a detail you think is necessary all to no avail. The inspector says “do it” and it gets done. Therein lies the reason to do the job properly. An inspector checks the plans, and the completed work, to ensure that all areas of work are completed correctly, and most importantly, to the standards required by the building code. (Most municipalities adhere to the International Building Code) It is a health and safety issue, and circumventing the permit process really is, as noted earlier, a false economy.

In a previous life, I was involved in constructing a new garage on my property, which was built on a hillside, which means the code is much more stringent. Special concrete mix is required, extra rebar was necessary as was a substantial retaining wall. The inspector’s advice was invaluable as he thwarted the contractor’s attempt to save money (cut corners) at every turn. I shudder to think how the project would have evolved without the inspector’s participation.

Also, when it comes time to sell an addition to a home constructed without a permit is not just “not a positive”. It is not even a wash. It is in fact a negative as any potential buyer will not only ignore the “improvement”, they may attach a negative dollar amount to it, as the city, or state, may require its complete removal.

Also, do not fall victim to a contractor telling you, “I will do it all to code, but we will just save the cost of the permit.” You will just be wasting your hard earned money if you do.

Finally, if it is not added by permit, and therefore to code, it will not show up on your city/state tax records. That means that any square footage you thought you added will not be recognized by an appraiser, nor the lender who employed him, when valuing your home for a potential buyer. Still glad you “saved” money on a permit?

Self Defense – Crime Wave in Phoenix and Washington DC

Recently on the Fox News Network, one of the stories was about a crime wave in Washington DC. What’s new you ask? Washington DC has a history of crime waves. These statistics are particularly startling when you consider that Washington DC has so many different levels of police. In the first twelve days of July 14 people have been killed and in the last 30 days robberies are up 14% and armed assaults are up 18%.

The crime wave comes at the height of the tourist season in our national capitol. This is the third such crime emergency in the last four years. Tax paying, law abiding citizens are prohibited by city law from carrying lethal weapons to defend themselves because of a thirty year old ban on guns in Washington DC. Apparently only criminals can have guns. Does this show how effective such bans are?

Then came a story of two thugs terrorizing the city of Phoenix. One is called the “Baseline Rapist” because he hangs out in the southern part of Phoenix near Baseline Rd. He started his spree in August of 2005. He is believed to be responsible for 6 murders, and many robberies and sexual assaults. The other “Serial Shooter” has at least 5 murders. Sixteen of his victims have survived since he started his spree in May 2005.

Both killers have put the city in a state of terror. Citizens are rightfully afraid to go out alone after dark. Fear and paranoia are rampant.

Phoenix police are frustrated because after all this time and so many victims they don’t have a good description-so they are looking for two people in a city of three plus million.

There is only so much the police can do and they are stretched thin as it is. Citizens across the country would be well advised to start taking more responsibility for their own self defense. They should investigate carrying some form of non lethal self defense weapon such as a stun gun or pepper spray. Personal alarms such as sirens and whistles act as a good deterrent too

Self defense is called that because the responsibility for defending yourself lies with the individual. Police do a wonderful job but cannot be everywhere.

Divi Aruba Phoenix Beach Resort Information

Aruba offers some of the most dazzling white sand beaches in the Caribbean. The resort beaches including Palm Beach and Druif Beach are popular favorites. The Phoenix Beach Resort is located along Aruba’s famed Palm Beach. This beach is a pure white sand beach dotted by palms and thatched shade cabanas. This area is known for calm waters, and offers guests a wide variety of water sports. However the area provides a constant 15-knot trade winds, which makes Aruba one of the most popular spots on earth for windsurfers.

Scuba diving and snorkeling is another favorite pastime in Aruba. You can go wall diving, reef diving, explore the wrecks sunk during World War II. And for those more comfortable staying near the surface can snorkel the beautiful coral formations, but with the visibility so clear at some sites you can see the wrecks even 100 feet deep.

In the evening you can enjoy a romantic sunset dinner on the beach on the sand under palm trees or dress up for a night on the town at one of their glitzy and glamorous casinos. Many people choose Aruba just for the casinos.

There is so much to do with the Aruba Golf Course close by, the Casinos, the wide sandy beach dotted with palms, thatch cabanas and hammocks where you can just relax and enjoy the views of the crystal clear warm waters of the Caribbean Sea.

The resort also offers a health club and games at the squash courts. Poolside games, they even have a full service activities coordinator to arrange island tours, snorkeling, water sports and much more.

The rooms have ocean views, kitchens, and air-conditioning. They come with colorful Caribbean decor, Satellite TV with VCR, in room safes just to name a few.

One thing you need to be aware of is the energy surcharge per unit per night, which is $7.50 USD, a departure tax of approximately $36.50 USD per person. And a Government Occupancy tax per unit per day, Studio, approx. $6 USD; 1 BR: USD$6.50; 2 BR: US$7.50. By the way just FYI these fees are everywhere. Overall I would rate Divi Aruba Phoenix Beach Resort as one of the best kept secrets in the Caribbean.

Benefits and Guidelines of Buying Phoenix Foreclosed Homes

Phoenix foreclosed homes present a good option to possess a property in an attractive part of USA. Lenders and banks are in a hurry to sell off foreclosed properties, so they are available at considerable discounts. You can make a good investment provided you follow certain guidelines.

Benefits of Phoenix Foreclosed Homes are:

It is the capital and biggest city of Arizona and the fifth most populated city of the nation. Located in the North East of the Sonoran Desert, Phoenix has a warm climate that attracts visitors year long.

Employment opportunities: As it is the state capital, many are employed by the government. Arizona State University is also a leading employer. Several hi- tech and telecommunication firms have moved to this city. It is home to seven Fortune 1000 companies. The military has also a major presence with Luke air force base located in the suburbs.

Cultural and educational activities: Down town is host to many musical venues such as Phoenix Symphony Hall which has performance like the Arizona opera. Phoenix is also home to musical acts mostly of the country and rock genre. Phoenix Art Museum has the largest collection of art from the world in the South West. Higher education is served by prestigious institutions like the Arizona Sate University and the Grand Canyon University making Phoenix foreclosed homes an attractive proposition.

Sports and Recreation: Phoenix is home to many professional franchisees of sporting action including members of all four major professional sports leagues of the nation. Phoenix also is a favorite racing and golfing destination. It is home to several recreation parks especially water parks such as Big Surf, Oasis Water Park etc. South Mountain Park is the world’s largest municipal park.

Cultural melting pot: The city is home to a mix of cultures of Hispanic, Anglo, African, Asian, Native American and Mexican who together make for a lively community.

While investing in Phoenix foreclosed homes, you must keep in mind the following guidelines:

• Understand local laws related to foreclosures: The procedure for foreclosures varies from state to state and one must understand local laws before embarking on investment. Use the services of a local lawyer or realtor.

• Draw out your requirements: Make a list of your requirements in terms of price, number of rooms etc.

• Get hold of listings: Subscribe to online listings of Phoenix foreclosed homes or consult newspapers, realtors, county clerk’s offices etc,

• Narrow down choices: Compare prices and other details and narrow down your search to a suitable property.

• Inspect the property: Pay a personal visit to the property and its neighborhood to ascertain its actual cost and its present condition.

• Negotiate a good offer: Make a good deal or bid reasonably at an auction keeping in mind all costs including repairs and taxes or liens outstanding

Thus after knowing several benefits and guidelines, you are ready to make a good investment in Phoenix foreclosed homes.

Article Source: http://EzineArticles.com/4890763

The Advantages and Effective Steps For Buying Phoenix Foreclosures

The foreclosures are straightforward and hasty process started by the credit finance companies. It is a lawful practice where the homeowner surrenders all his assets to these finance companies owing to the non-payment of the loan amount that is outstanding against the owner’s name.

The reason to buy Phoenix foreclosures

Foreclosures can bear productive results for the potential purchasers as it may provide a reasonable inexpensive alternative to have possession of a property in the posh areas of America. Other than buying a property there can be other reasons as well which are listed below.

• Phoenix is most important from the point of view of financial, business, economic, educational and transportation center of Southwestern United States.
• There are close to seven fortune 1000 business groups placed in Phoenix.
• The inhabitants of Phoenix include famous musicians, politicians and other similar rank celebrities.
• Arizona has the major public universities in US, the Arizona State University located in Northwest Phoenix, made 64,394 enrollments of students in the year 2007.
• The city of Phoenix stands as the home for quite a number of high-tech and telecommunications companies.
• The temperate atmosphere in winters benefits the amusement, golf industry and tourism in Phoenix.

The advantages offered to buy the Phoenix foreclosures

Purchasing a possession of assets through Phoenix foreclosures holds some great benefits which are listed below.

Nation’s fifth-biggest city – The city of phoenix includes a diverse combination of classy metropolitan area that has a marketplace with an appreciated value of $50 billion, enhancing its grandeur and making it effective for a huge real estate investment including business as well as employment opportunities.

Various art and culture prospect – The city also houses a number of dignified and lively cultures of the Anglo, Asian, African, Native American, Hispanic and Mexican and together they contribute to a prosperous and cultural atmosphere that makes residing at Phoenix more worthy and fun.

Pleasant neighborhood – The nature crafted cities of Carefree, Glendale, Scottsdale and other related locations holds a sophisticated, uphill, juvenile and multi-cultural population with a decent living environment and cultural blends appeal to a large number of people to buy Phoenix foreclosures.

Low cost of living – In comparison to the usefulness of the city with the prosperous cultural influence on its people, the cost of living standards is reasonably low owing to the factors like low taxes, low interest schemes and cheaper living facilities making Phoenix a perfect host for all the people coming to stay here.

Few effective steps to buy Phoenix foreclosures

1. You should come to a conclusion regarding the location, number of rooms, the total size of the house and most importantly the budget. Now accordingly, look for a suitable house in the Phoenix foreclosures.

2. The property owners of the foreclosed houses are always keen on selling the property than preserving it and there is very good chance that you may get the possession of the house by paying a reasonable amount. So negotiate on the price they quote for their property, which is definite to come down in the process.

3. There are various websites where you can enroll online and search for your preferred foreclosed deal. It offers latest information at a nominal fee but finds good bargained properties.

4. You can assess the nearby locality around the property to make sure the place is away from disturbances and it offers the daily requirements without much difficulty.

Oscars and Taxes

Ratings for the Oscars were down a whopping 10 percent compared to 2005. Well, at least the Internal Revenue Service was watching.

Goodie Bags – Not So Goodie

Actors that get nominated for an Oscar are might happy indeed. Praise rains down upon them for a good performance and better parts are often in the offering. Win an Oscar and the world is their oyster. More important than all of this, of course, is the Oscar goodie bag.

Get an Oscar goodie bag and you know you’ve made it in Hollywood. The bag is a collection of obscenely expensive things. The 2006 goodie bag was valued at over $100,00 and included items such as vacation packages to posh resorts with a butler included, the latest mobile phone gadgets, more vacation packages, private rooms at top restaurants and so on. Heck, who needs to actually win the Oscar?

In a hilarious and cheeky move, the IRS decided to have a little fun with the nominees. Just days before the show, the service issued a press release. It wished all the nominees the best of luck at the show. IRS Commission Mark Everson than reminded the nominees that the goodie bags were taxable and he wanted them to Walk the Line. I kid you naught.

In this instance, the IRS has really gone to far. Why must the agency be such a burden to the hard working professionals in Hollywood? Just one look at Joaquin Phoenix and you could see the effect. Or it could be constipation, but who can really say.

This move by the IRS is particularly overbearing when you consider the non-winners. Winners could care less about the taxes since an Oscar is a guarantee of more roles and more money.

The losers, on the other hand, must suffer twofold. First, they have to do their best acting performance by pretending to be happy the lost. Second, they have to suffer their loss of instant fame. I mean, remember that actor. Name was Johnny Depp or something? He lost and who has heard of him since?

Building Custom Homes In Phoenix, Arizona

Building homes in Phoenix, Arizona is a very different process than purchasing a home already constructed. When you buy a finished home, even if it’s a home under construction by a developer, you don’t have to worry about special financing. But managing your own construction is a little different.

There are some fabulous lots available for homes in Phoenix, Arizona. For homeowners that want to build a custom home, the mountains and desert vistas offer an amazing backdrop for a custom, luxury home. But custom homes require a little advanced financial planning.

Building a home requires slightly different financing. Most people finance their building process with a construction loan. These loans have milestones that must be met before some of the funds are available. Usually, these funds are kept by the lender until each step of the building process is completed.

While building a custom home is one of the most exciting steps in home ownership, it requires advanced planning. Most of the planning concerns how you are going to meet the financial expenses needed to complete the home. When you are building your custom home, there are different expenses to consider.

* You may need money for a down payment on the land and you need funds for the closing costs of the loan.

* You may need money for loan payments and taxes.

* You may need funds for an architect, for the house plans, for permits and licenses.

* You may need to continue to pay your mortgage payments or rent and homeowner’s fees.

* You may need additional funds for material upgrades. All too often you’ll find better flooring, appliances, or unique kitchen cabinets – all of which require cash up front to place into your new home.

* You will need to plan for project cost overruns. Even the most thorough home budget won’t eliminate project overruns. You should plan for your project to be at least 10% to 25% over budget, at a minimum.

It’s possible to build your dream home, especially when it’s in a remarkable environment like Phoenix, Arizona. But it does require a little planning and probably a little savings or money in the bank. Once you’ve finished planning and begin the construction process, you’ll have a home that is just as unique as you and your family. Imagine how you’ll feel when your house is done. All that planning and saving will pay off when you are living in your dream home in Phoenix, Arizona.

Gary Ogami has over 13 years experience working in the financial services industry. He has worked with hundreds of individuals and families to find mortgage options that work for them.

He prides himself on making the mortgage process as easy as possible for his clients and is very passionate about helping them save money and develop a strong financial foundation.

Tax Relief – Business Travel Expenses

You can claim tax relief on travel expenses only when it is essential travel and the money spent went towards business or professional trips away from home. Expenses which are not required and are personal or lavish spending are not included under this category.

To get tax deductions, you must understand what is meant by your tax home. Tax home can be classified as the city or location where your work is located, irrespective of where your family stays. You can claim tax relief when you spend cash for your basic needs, such as food and rest, during a stay outside your home.

For example, if your family is in Phoenix and you work in San Diego, where you have to spend money on food and lodging, you cannot claim that as a deduction since your tax home is San Diego. On the other hand, as your weekend travel to Phoenix is not for business, you cannot ask for tax relief on this expense. If the nature of your job is such that you are traveling often, your main place of work will be considered your tax home.

If you have a temporary business project that takes you away from home, then the cash spent there will be liable for deduction. But travel expenditures made because of a work assignment that is not specified is not deductible, and any assignment which exceeds one year is termed as indefinite.

But you can claim tax relief on travel expenses, including food and lodging, made when searching for a new job in your present line of business. It is not possible for you to take deductions if you have spent money finding a job in a fresh trade or are trying to find work.

Robert L. Daniel and partners of Limon Whitaker & Morgan, for years have helped businesses and individuals Nationwide, with their delinquent IRS & State tax problems. The firm is based in Los Angeles, California USA. [http://www.limonwhitaker.com] / Tel:888.321.6188

Is it Worth It? Phoenix Light Rail Ridership Stats in the First Year

Ridership in the first year of operation in the Phoenix Metro light rail was above projections, according to Valley Metro, who owns and run the light rail line. Now, what does it all mean? Will that darn train finally pay for itself, you say? Hold on there. It was never designed to pay for itself from the fares it collects. It cost $70 million per mile to build. It could not possibly pay for itself. We all contribute with our taxes, both local and Federal. (By the way, thank you all for your financial tax contribution.)

The weekday ridership projection at the first of the year was 26,000, and the actual came in at almost 35,000, which is almost a 34% increase. Saturday ridership was projected at a slightly lower 20,800; the actual was 27,662, which was an increase of 33%. This is good news for the outlook of light rail management. Now, the important thing is to build ridership and make it all worthwhile.

While there are many detractors, it has been built and is here to stay. We need to get over it. I lived in San Jose California when their light rail was built some years ago. First there were many complainers, and then the ridership was up past projections. Now, many students who were initial riders are now working adults. They have a different and practical view of the situation. Many would rather ride with their eyes on iPhones, listening to iPods, rather than cuss at how many fools are clogging the freeway lanes (just like them!).

You choose – which one are you?