This book is a step-by-step estate planning guide for gay couples and lesbian couples. There are individual chapters about estate plans for couples with minor children; couples with adult children; and couples without children. If you already have an estate plan, use the book to evaluate if your estate plan is up-to-date or if changes are necessary. Some of the topics included are: wills don't avoid probate; beneficiary designations supersede wills; a power of attorney terminates when you die; always name an alternate power of attorney; estate taxes (updated to include 2013 estate tax law); a properly funded living trust will avoid probate; how to pick an estate planning attorney; and how a living trust differs from living wills. Forms There are no do-it-yourself legal forms, but there are 10 forms and checklists for download (included in the price of the book)which make estate planning comprehensive, efficient and easy. A Personal Note from the Author "Although I've been an estate planning and probate attorney for 30 years, I'm really in the Peace of Mind business. Once you have your affairs in order, you and your partner will have made things as easy as possible for your loved ones and you will achieve peace of mind. But there's an even better reason - when you have your affairs in order, you've also made things as easy as possible for your partner."
Thousand of homeowners want to sell their house without the use of a real estate agent because they want to save the commission. This book will show you step by step everything you need to know to sell you home yourself.
If we consider the current situation of the Brazilian real estate market, we can concluded that the basic principle of financial, namely buy cheap and sell high, had been forgotten by Brazilian consumers, that are buying a property, right now, with prices at the top, with the fixed idea that property value will continue to appreciate over time. The story offers tire of pointing out examples of bubbles and how not to be a contributor (and, later, victim) of them, but It seems that Brazilian have distanced themselves from reality. After all the real estate market is a mirror of the current Brazilian economic situation, and by this, actually, the Brazilian real estate bubble is located in the commercial market, with empty commercial buildings. In residential sector, the dramatic situation of oversupply in many Brazilian cities, appears in its true dimension, and notes how the levels of prices are outside the reality of local income. This phenomenon is generalized, and it is since 2012 that builders offer discount, which can reach up to 35%. Higher construction costs, an increase in interest rates, price of property that grew much more than real income, difficult in obtain loan, result in a creation of a super stock, whose consequence is stalling construction in many cities, with decrease of new releases, and unemployment in the sector, that in a year rose from 6,4 to 9,4%.The bubble began to inflate because of the joint action of several factors. The allowance of MCMV program (a public subside to allow low-income families to buy a home), was obtained thanks to an artificial reduction of interest, an increase of the financing term, the signs of speculation based on the World Cup and Olympics, with rotten credit granted by builders to sell on the plant a large scale, with a default rate in the range of 20%.The rescissions and the competition in the delivery of homes fired from 2012, with an increase inflation forcing rising interest rates, which began to be transferred to the real estate finance. The visible result of all this was, the top five homebuilders in Brazil indebted, whose market price is lower than equity value, and with a stock equivalent to years of sales.The principal of this situation is the federal government, through its tax policies and stimulus to credit. The government's insistence on further heat an already heated housing market will only get worse the outcome. Current fiscal and monetary policies of the Brazilian government are clearly inflationary. Such policies inevitably will increase the cost of living in Brazil, and all other costs associated with the resurgence of inflation. When the Brazilian government will be obliged to increase the domestic interest rate, there will be a direct impact of this measure in real estate. So it will be Brazil's turn to deal with a crisis created solely by the bad management of fiscal and monetary policies of the Brazilian government. Market will not have been the creator of the crisis, but the government of Brazil.
This comprehensive presentation of Axel Hagerstrom (1868-1939) fills a void in nearly a century of literature, providing both the legal and political scholar and the non-expert reader with a proper introduction to the father of Scandinavian realism. Based on his complete work, including unpublished material and personal correspondence selected exclusively from the Uppsala archives, A Real Mind follows the chronological evolution of Hagerstrom s intellectual enterprise and offers a full account of his thought. The book summarizes Hagerstrom s main arguments while enabling further critical assessment, and tries to answer such questions as: If norms are neither true nor false, how can they be adequately understood on the basis of Hagerstrom s theory of knowledge? Did the founder of the Uppsala school uphold emotivism in moral philosophy? What consequences does such a standpoint have in practical philosophy? Is he really the inspiration behind Scandinavian state absolutism?A Real Mind places the complex web of issues addressed by Hagerstrom within the broader context of 20th century philosophy, stretching from epistemology to ethics. His philosophy of law is examined in the core chapters of the book, with emphasis on the will-theory and the relation between law and power. The narrative is peppered with vignettes from Hagerstrom s life, giving an insightful and highly readable portrayal of a thinker who put his imprint on legal theory. The appendix provides a selected bibliography and a brief synopsis of the major events in his life, both private and intellectual."
This book fills a gap in the existing resources available to students and professionals requiring an academically rigorous, but practically orientated source of knowledge about real estate finance. Written byÃ¿a bank vice-president who for many years has practiced as a commercial lender and who teaches real estate investment at university level, and an academic whose area of study is finance and particularly valuation, this book will lead readers to truly understand the fundamentals of making a sound real estate investment decision. The focus is primarily on the valuation of leased properties such as apartment buildings, office buildings, retail centers, and warehouse space, rather than on owner occupied residential property.
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