Hilton Head – South Carolina

Hilton Head Lakes :: Hardeeville, South Carolina
Nestled in the South Carolina Low country is a private gated community, perfectly balanced between world class resort and romantic charm.

Discovery Package

The Area’s Only Boatable Lakefront & Golf Community!

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Fitness Center

Bluffton

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$129 Discovery Visit

Three Days / 2 Night Accommodations

You’re invited to Discover a sea of possibilities in the lowcountry areas of Hilton Head Island, Beaufort, Bluffton, Savannah and Hardeeville. Our Discovery Package includes:

  • 3 Days / 2 Night Accommodations
  • A Round of Golf for 2 at our own Golf Club at Hilton Head Lakes
  • Personal VIP Tour of The Area’s Only Boatable Lakefront & Golf Community – Hilton Head Lakes!

 

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Bloomberg says Obama budget raises taxes

(Bloomberg) — President Barack Obama’s proposed 2015 budget would increase taxes by $1.4 trillion over the next decade compared with current law, the budget agency said.

In a fresh analysis of the White House budget plan for the fiscal year starting Oct. 1, the Congressional Budget Office said the proposal would result in a $446 billion spending increase for the 10 years ending in 2024.

The agency projected that under the plan, the U.S. budget deficit would increase over a three-year period and then decline from 2017-2024, when compared with spending forecast under current law. The deficit would rise about $1 trillion less over 10 years than under current law, CBO projected. Spending would outstrip revenue by about $500 billion from 2014-2015 and rise to $700 billion to $800 billion by 2024.

There’s little chance of Congress adopting Obama’s budget plan this year, as the U.S. House, Senate and Obama have already agreed to a deal on top-line spending for the next fiscal year. House Republicans adopted their own plan that cuts spending further, eschews tax increases and attempts to balance the budget in 10 years.

Obama’s proposed budget includes several measures Congress is considering separately, such as a revision of U.S. immigration law similar to a bill the Senate passed last year.

 

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Pelican Preserve – Southwest Florida

Pelican Preserve :: Fort Myers, Florida :: View Details
Pelican Preserve is Southwest Florida’s most vibrant 55-and-better destination. This award-winning community boasts a 70,000-square-foot Town Center, a Golf Club, 27 holes of golf and a full calendar of social, recreational and cultural activities.

Contact Us

Robert J. Russell, IRES, REALTOR
Phone: 972.292.8967
Mobile: 972.679.9029
Robert J Russell Real Estate, LLC.

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Consumers clueless about HSA’s

Though studies have shown the steady growth of health savings accounts, in actuality, few consumers us the health savings vehicle.

Just 8% of Americans have an HSA, according to a study and survey from a leading insurance quoting company. Here is what the results tell us:

50% – Recognize benefits, would consider using

86% – Don’t understand HSA’s

52% – Think HSA’s can be used to pay for over-the counter medications

51% – Think HSA’s can be used to pay premiums.

14% – Know an HSA must be paired with a high deductible plan.

If you are unsure about the benefits of an HSA – call me 972.292.8967 and I will walk you through it.

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Want To Retire With $1 Million? Here’s How Much You Need To Save Each Month… | LinkedIn

All through our working lives, we are barraged with reminders that, if we don’t save enough for retirement, we’ll be hosed.

What we don’t often get are specific instructions about how much we should be saving.

The simple answer is:

More than we think.

Andy Kiersz of Business Insider put together this simple chart of how much you have to save each month if you want to have $1 million when you retire at 65.

There are two big lessons:

1) The earlier you start saving, the better. If you start at age 20, you’ll only have to save $361 per month to hit $1 million at 65. If you wait until age 30, the number climbs to $700. You don’t want to know what happens if you wait until 40 or 50.

2) You’ll probably have to save a lot more than you think. Socking away $700 a month from the age of 30 will be a big burden for most people, especially if you don’t take advantage of tax incentives.

The chart below, by the way, assumes a 6% annual return, which is a lot for a balanced portfolio, especially after tax. Stock prices are so high today that they will likely return a lot less than 6% over the next 10 years.

Here’s the chart:

For more startling news about retirement saving, click here.

 

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Getting Some Right Investment Property Advice

Investing in real estate properties is generally deemed as a safe and long term investment plan but most first time property investors sell it off within the first 5 years resulting in much less profit than anticipated. One of the main reasons for this failure is they fail to get proper investment property advice.

If you are looking for guidance for when you buy investment properties it is essential that you plan and research properly or you can also get professional advice. Speak to your accountant or financial planner. You can also get a lot of information from the web, get online and research for ideas, opinions, possibilities and concerns. Make sure you take notes so that you can refer to it when you finally start investing. Talk to family and friends who could provide you some vital information on the local scenario especially if they have or had properties investment.

A significant advice is you need to spend time and have patience when dealing with those properties. The process of buying the right property may be pretty long winding, try not to hurry through it as this is very critical. It is generally found that people are ready to spend more time to plan their annual holiday than planning their financial future and purchase.

Another reason why people sell off their property even before it has accumulated the desired profit is because they had purchased the wrong property. Ask first time investors why they had chosen that property and often the reply is – it’s close to where I live or local newspaper said it was a good investment spot or my wife or son liked the place or because it is the area they would like to live in after retirement. Emotionally these reasons are quite fine but if you are looking from an investment point of view you need to justify the purchase with more than that.

Investment property advice in this regard would be to check for areas where the rental demand is higher. Other vitals include excellent schooling, high employment, good transport system and finally demographics. Getting a big piece of land in a place where mostly singles live and work will hardly fetch you any returns. Similarly it is preferable not to buy 2 or more storey houses in suburbs where mostly senior citizens live.

The field of real estate investment is filled with ups and downs as does any other business segment. And if done right the returns you get will be worth all the wait and efforts. Be prepared for the long journey of a property investor and take the right advice to make it a profitable one.

via Getting Some Right Investment Property Advice : | Bnetworking.info.

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Ever Fallen in Love with a House ?

Kristin Renee

Outdoor features make house searchers swoon, a new survey from Realtor.com finds. This home, with elaborate gardens and a pool, was recently featured as a WSJ House of the Day.

 

Falling in love can be wonderful—and finding the perfect house can make a house-hunter weak in the knees.

 

As Valentine’s Day has come and gone, a survey by Realtor.com shows that falling head-over-heels for a house is fairly common—69% of respondents reported that they have had a home crush. House-hunters with a “home crush,” as defined in the survey, are drawn to the same house again and again. Realtor.com surveyed 1,082 individuals from Jan. 9 to Jan. 20 who reported having had a home crush.

 

Many people approach house hunting the same way they approach dating, by checking compatibility and fit, but the intangible factors are what tips a house from crush to true love, says Leslie Piper, Realtor.com’s consumer-housing specialist and an agent with Pacific Union in Lafayette, Calif.

 

“You have to make sure you know what’s really out there. You evaluate what is a turn-on and turn-off, and perhaps you’ll fall in love,” Ms. Piper says.

 

Also like dating, men and women approach a home crush very differently.

 

Some key findings from the survey:

 

Women are more likely to crush on home that is out of their price range: 41% of women said their home crush is out of their price range, compared with 30% of men.

 

Men tend to move from one home crush to another: 36% of men said they find a new home crush weekly, compared with 29% of women.

 

Outdoor living spaces are the most attractive home attributes to both men and women: 54% of women and 46% of men said outdoor living spaces like backyards, decks and patios make them fall in real-estate love. In addition, 42% of women preferred open-floor plans, and 40% of men indicated garages.

 

Nearly 80% of homebuyers first find their home crush on their computer. After that, about one-third then decide to go see the house in person.

 

About 16 years ago, Brenda Van Fossen of Lynchburg, Va., stumbled on a 2,600-square-foot, contemporary-style house with 10-foot ceilings and an open-floor plan. She called up the agent and was disappointed to hear that the house was already under contract.

 

But Ms. Van Fossen couldn’t get the house off of her mind. A year later, she found out that the house was back on the market and purchased it for roughly $170,000.

 

Ms. Van Fossen, who became a real-estate agent in 2006, says she has never felt this way about a house before: “That first night there, it sounds silly, but it was like I was in love.”

 

But love can have a downside—heartbreak.

 

“You have to be realistic. When you’re looking at homes outside of your price range, the last thing you want to be is disappointed. It would be like falling in love with someone on the other side of the country,” Ms. Piper says. To move on, she suggests keeping an open mind and perhaps considering several houses at the same time in case the first choice doesn’t work out.

 

Fortunately, unlike with relationships, picky homebuyers do not need to limit themselves to what’s on the market, she says. Rebuilding, redecorating or building from scratch are an option, too.

 

To find out more about these types of homes – visit: http://www.DFWHomeForSale.com

 

 

 

 

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Another great Florida Community

Infinity :: Longboat Key, Florida
Nestled on three acres of lushly-landscaped beachfront, no detail has been overlooked at Infinity Longboat Key. With just 11 condominium residences Infinity is the natural choice for those seeking individuality, tranquility, and exclusivity. Smartly designed 3380 -5500 sq. ft. three bedroom/den, four bedroom and penthouse residences are graced with sweeping floor to ceiling walls of glass and huge balconies – naturally connecting the indoors with the out. Italian kitchens and baths, private elevator access, enclosed two and three car garages offer ultra convenience and luxury.
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Life Insurance Quotes

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Are you in Sales – what’s your cold calling focus?

I recently came across a strategy for improving cold calling results. It’s a surprisingly simple yet effective concept. I shared it with a colleague, who has worked with telephone sales reps for more than 20 years, and he confirmed its effectiveness.

Here it is: Focus your calls during any given time period on one vertical. Rather than making several dozen calls in one morning to a range of prospects, concentrate your efforts on one type of prospect (or vertical). There are multiple benefits to this approach:

1. You can fine tune your message so it will resonate with your prospects.

2. Your message will get stronger the more you deploy it.

3. You will hear the same types of objections, which will make you better at responding to them.

4. You will be able to give more relevant examples of the results your solutions have achieved.

Most salespeople make calls to a wide range of prospects every day. This means they have to adapt their message to each prospect. When you call prospects within the same niche or industry, however, you can use the same approach, stories and examples. Plus, it puts you in the zone and gives you the opportunity to speak to the specific challenges your prospects’ face.

If you plan to make cold calls this week, group them so that you call similar prospects during the same time period. I am confident you will see better results.

Robert J Russell helps sales professionals master their sales conversations so they can win more business at higher profits. To find out more about having Robert speak to your company or organization, call his office at 972.292.8967 or visit: http://robertrussell.info. 

 

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