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	<title>Real Estate Investments &#38;</title>
	<atom:link href="http://www.jacksonvillewealthbuilders.com/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.jacksonvillewealthbuilders.com</link>
	<description>World-Class Property Management</description>
	<lastBuildDate>Wed, 22 Feb 2012 09:50:08 +0000</lastBuildDate>
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		<title>Is Flipping Homes Better Than Buying Rental Properties?</title>
		<link>http://www.jacksonvillewealthbuilders.com/is-flipping-homes-better-than-buying-rental-properties/</link>
		<comments>http://www.jacksonvillewealthbuilders.com/is-flipping-homes-better-than-buying-rental-properties/#comments</comments>
		<pubDate>Wed, 22 Feb 2012 05:29:31 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Articles]]></category>
		<category><![CDATA[flip house]]></category>
		<category><![CDATA[flipped house]]></category>
		<category><![CDATA[jacksonville properties]]></category>
		<category><![CDATA[jacksonville wealth builders]]></category>
		<category><![CDATA[real estate for sale in florida]]></category>
		<category><![CDATA[rental properties in florida]]></category>
		<category><![CDATA[rentals]]></category>
		<category><![CDATA[vacation homes]]></category>

		<guid isPermaLink="false">http://www.jacksonvillewealthbuilders.com/?p=3669</guid>
		<description><![CDATA[With the increase in foreclosures, many real estate investors are weighing the advantages of flipping a home versus buying rental properties. Each method has advantages over the other, but only one method is able to create an instant cash flow. The rush to get into real estate is causing some confusion with new investors that want to capitalize on the hottest trends without understanding fluctuations in the real estate market. By comparing the advantages and disadvantages, you will quickly learn the truth if flipping homes are better than buying rental properties. Flipping Homes: The Advantages and Disadvantages A great deal can be found on distressed properties or recent foreclosures in real estate. Many homes that were once owned by individuals or families are in fairly decent shape and often do not take much money to fix up. Hiring contractors, home inspectors and buying new appliances is part of the investment that is made when flipping houses. The sale of a rehabbed property can result in a substantial increase to your net worth. Disadvantages to Flipping Houses: &#8226; Large Amount of Cash or Financing Needed Upfront &#8226; Hard to Sell Without a Realtor &#8226; Expensive to Advertise Property Until Sale is Made &#8226; Capital Gains and Taxes Due Upon Sale &#8226; Must Live in Home to Gain Tax Credits &#8226; Home Value Can Fall Rapidly Decreasing Profits on Sale &#8226; Licenses, Fees and Closing Costs are Due Upon Purchase and Sale &#160;Rental Properties: The Advantages and Disadvantages One of the things that are great about rental properties is the monthly cash flow that is generated from rent payments. As long as someone is renting the home, the money received each month is taken in as profit. These homes can be purchased without the help of a realtor in many instances. The construction required to fix up a rental property often depends on how long the house was vacant before purchase. The cost of a rental property is often less expensive compared to purchasing a traditional home. &#160;Disadvantages of Rental Properties: &#8226; Property Management is Needed &#8226; Advertisements Can Be Expensive to Find Renters &#8226; Damage to Home Must Be Fixed According to Landlord Laws &#8226; Cannot Live in an IRA Purchased Rental Home &#8226; Rental Income is Lost When Renters Leave &#8226; Rent Must Be Adjusted According to Tenant Income &#8226; Strict Taxation on Rental Income Making Smart Investment Decisions to Build Your Wealth The pros and cons of flipping homes and buying rental properties must be considered before you make your investment. Many investors find that rental properties are easier to handle for a first or second investment. As you gain more experience in real estate, you could venture into flipping homes with the hope of making a quick profit on the sale. The best advice to use is to study the market, educate yourself at all times and know how to spot a good deal. Making wise investment choices is how real estate moguls built their fortunes and is [...]]]></description>
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		<item>
		<title>How to Setup a Florida Corporation for Real Estate Investing</title>
		<link>http://www.jacksonvillewealthbuilders.com/how-to-set-up-a-florida-corporation-for-real-estate-investing/</link>
		<comments>http://www.jacksonvillewealthbuilders.com/how-to-set-up-a-florida-corporation-for-real-estate-investing/#comments</comments>
		<pubDate>Tue, 21 Feb 2012 06:05:33 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Articles]]></category>
		<category><![CDATA[buy rental properties as corporation]]></category>
		<category><![CDATA[corporation]]></category>
		<category><![CDATA[fl properties for sale]]></category>
		<category><![CDATA[florida homes for sale]]></category>
		<category><![CDATA[Florida rental properties]]></category>
		<category><![CDATA[LLC]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[rental properties in jacksonville]]></category>

		<guid isPermaLink="false">http://www.jacksonvillewealthbuilders.com/?p=3658</guid>
		<description><![CDATA[There are many types of business formations that you can use when setting up your real estate business. Each formation has its own pros and cons, but a corporation is a popular formation used by many investors. Florida is a state that is friendly to corporations and both individuals and groups of investors take advantage of the corporate tax breaks that are available by setting up a Florida corporation for real estate investing. If you plan to setup a corporation, you will benefit from knowing the requirements and how to avoid errors or mistakes during the corporation filing process.&#160; Where to File Florida Corporation Forms The Florida Department of State regulates all business filings. The filing process to start a Florida corporation begins with obtaining the appropriate forms. Just like in other states, no two corporations in Florida are allowed to have the same name or similar name to another business or entity. This helps the state keep accurate records and lessens the risk of legal disputes concerning name registrations.&#160; There are two ways that you can complete an application to setup a Florida corporation. The first way is by downloading a Profit Articles of Incorporation form from the Department of State website. The second way is to request the forms by phone. Regardless of the filing method that you select, you will know that you are using updated forms and will avoid delays or errors during the filing process.&#160; 1. Articles of Incorporation Online: www.sunbiz.org 2. Division of Corporations Telephone: 850-245-6052 Completion of Incorporation Form and Filing Fee It is important that you understand the requirements of the form before you submit the form to the Department of State. Incorrectly completed forms could be charged fees to correct the information. It is also helpful to obtain legal advice before creating a corporation for real estate. Since a corporation is recognized as an entity, there are guidelines that must be followed and annual reports that every corporation must file. There could be sales tax and other business licenses required to legally operate a real estate business. Florida is one of the few states in the U.S. that has an extremely low incorporation fee. Florida is very generous to corporations that are structured to perform business in the state. The current fee structure for 2012 is as follows: Filing Fee: $35.00 Designation of Registered Agent: $35.00 Certified Copy $8.75 (optional) Certified Status Certificate: $8.75 (optional) Dissolving a Florida Corporation At some point in the future, you may want to dissolve a corporation that you set up for various reasons. It is natural to change business partners or strategies as your investment portfolio grows. The Florida statues, section 607.1404, detail the laws pertaining to dissolving a corporation. A form must be filed with the Department of State and the 2012 filing fee is $35.00. The process to dissolve corporations is less strict in Florida compared to other real estate cities that experience higher than average real estate growth each year.]]></description>
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		<item>
		<title>Florida Ranks #1 for Foreign Real Estate Investing</title>
		<link>http://www.jacksonvillewealthbuilders.com/florida-ranks-1-for-foreign-real-estate-investing/</link>
		<comments>http://www.jacksonvillewealthbuilders.com/florida-ranks-1-for-foreign-real-estate-investing/#comments</comments>
		<pubDate>Thu, 16 Feb 2012 03:47:50 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Articles]]></category>
		<category><![CDATA[buyer's market in Florida]]></category>
		<category><![CDATA[cheap housing]]></category>
		<category><![CDATA[Florida news]]></category>
		<category><![CDATA[Florida rentals]]></category>
		<category><![CDATA[real estate reports 2012]]></category>

		<guid isPermaLink="false">http://www.jacksonvillewealthbuilders.com/?p=3647</guid>
		<description><![CDATA[The news about investing in Florida real estate continues to get better. The amazing growth that Florida has witnessed in the rental property and vacation home market is now being recognized worldwide. Investors around the world can no longer ignore what is going on in Florida. A recent real estate traffic report by Point2 for the fourth quarter of 2011 has announced that Florida ranks number one for foreign real estate investing. This news is no surprise to savvy investors that have been following the Florida real estate market. Populous cities like Jacksonville, Orlando and Pompano Beach are continuing the annual growth trend into 2012.&#160; The Hard Facts About Florida Rental Property Investing The recent Point2 study reveals a trend about investing in Florida real estate. Over 31 percent of all foreign investors that trafficked the U.S. in search of emerging real estate markets did so in Florida. This is compared to Arizona, Michigan, New York and Nevada that are historically high growth markets for real estate investing. The allure of the economic upswing and tourism industry has helped to fuel the interest in purchasing investment properties for rent. The diverse cultural groups that call Florida home is one of the reasons that international investors are very attracted to the area. The most obvious reason is the income potential from the higher than average monthly rental prices that renters are currently paying in Florida.&#160; International investors are not the only ones that are arriving in Florida to put their money into rental properties. Average people from all walks of life are now researching available housing in a variety of communities to begin a long-term investment plan. Many retirees are buying one or more properties to maximize their growth potential over the next two to five years. Historically low interest rates and retirement account investing is playing a part in the surge of new investors. The low risk high rewards nature of rental property investing is offering better returns compared with stocks or other investments that go up one day and fall the next.&#160; Florida Real Estate Investing Solutions There are many ways to get started investing in Florida real estate, but not every way provides the safest route. Any company can organize a seminar or sell DVD courses that teach real estate investing basics. Both new and experienced investors that have little experience in buying or selling Florida rental properties benefit from experienced companies that backup their programs with documented results. It is no secret or fluke when average people buy into an opportunity that produces traceable results. Purchasing vacation homes and rental properties in Florida is continuing to lead investors down the path to financial freedom.]]></description>
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		</item>
		<item>
		<title>Best Real Estate Investing Advice</title>
		<link>http://www.jacksonvillewealthbuilders.com/best-real-estate-investing-advice/</link>
		<comments>http://www.jacksonvillewealthbuilders.com/best-real-estate-investing-advice/#comments</comments>
		<pubDate>Wed, 15 Feb 2012 04:29:02 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Articles]]></category>
		<category><![CDATA[emerging markets]]></category>
		<category><![CDATA[hot properties]]></category>
		<category><![CDATA[investing advice]]></category>
		<category><![CDATA[low risk high return investments]]></category>
		<category><![CDATA[rental property]]></category>
		<category><![CDATA[wealth building]]></category>

		<guid isPermaLink="false">http://www.jacksonvillewealthbuilders.com/?p=3640</guid>
		<description><![CDATA[Bad advice is everywhere online and it can be hard to judge the validity of the information. Good advice is harder to come by, but a few tips and tricks taught to you by someone that knows their stuff can change your life forever. Even beginning investors have likely heard names like Trump, LeFrak and Stern. These real estate moguls started out just like everyone else, but the information that they received helped propel them into real estate riches. The people currently doing what you want to do in real estate typically provide the best real estate investing advice. Create a Plan to Become Successful There are a few lucky individuals that did not plan for the success that they have reached in life. These cases are very rare and are far different from the reality that many new real estate investors face. No one plans to fail although many do. One of the pieces of advice that you can use to help you create a path to the end of your rainbow is a good plan. A thought out, organized and structured plan will keep you from making mistakes. This is why many lenders require a business plan along with other financial documents before they lend money. Investing in real estate is no different and the strength of your plan can determine the success of your real estate portfolio.&#160; Be Realistic with Your Money More mistakes are made in real estate than in any other profit generating market. Properties are bought and sold at the wrong time, construction issues arise and property values can fall to levels lower than expected. It takes time to research the best real estate investments and what appears to be a great buy on paper might be a different story a month into the future. If you have little savings, using your personal money to invest in real estate could be more costly than you realize. Being smart with your investments and exploring ways to secure alternative funding will help keep you from financial blunders.&#160; Know What Properties are Red Hot Markets can grow cold quickly when too many investors invade the same location. Part of what makes rental properties and vacation homes great investments is the variety of rental options provided to investors. Having a source of information that provides you with the hottest properties to capitalize on before every other investor jumps in is crucial to your success. Putting your time and money into rental investments requires hot properties in emerging markets to create long-term sources of cash flow. By following this real estate investing advice, you will avoid investing mistakes and maximize your investment dollars.]]></description>
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		</item>
		<item>
		<title>Start Up Real Estate Investing Business Plan</title>
		<link>http://www.jacksonvillewealthbuilders.com/start-up-real-estate-investing-business-plan/</link>
		<comments>http://www.jacksonvillewealthbuilders.com/start-up-real-estate-investing-business-plan/#comments</comments>
		<pubDate>Mon, 13 Feb 2012 22:29:08 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Articles]]></category>
		<category><![CDATA[Investment Business Plan]]></category>
		<category><![CDATA[business planning guide]]></category>
		<category><![CDATA[how to]]></category>
		<category><![CDATA[property investments guide]]></category>

		<guid isPermaLink="false">http://www.jacksonvillewealthbuilders.com/?p=3625</guid>
		<description><![CDATA[Having a plan is a necessity in real estate investing. Trying to make decisions on your own without a specific plan of action can lead to disastrous consequences. It is not uncommon for an investor to lose his or her investment due to making bad decisions about investments not initially included in a business plan. Getting started in real estate takes planning and paperwork that have nothing to do with making an investment. Creating a start up real estate investing business plan is one of the first steps that should be taken before properties are considered for purchase. What a Real Estate Business Plan Should Include The basic information that you write in a business plan will provide the foundation that you need for all future investments in real estate. No investment decisions should be made without a reason according to your business plan. You could be part of an investment group or in business alone. All of the parties involved in making real estate investment decisions should be listed in your investing business plan and what business formation will be used.&#160; The type of properties that you will invest in should be listed. This helps you stay on track and invest in the areas that you designate and will not cause irrational decisions if a so-called great buy on an investment not included in your business plan comes your way. Investments like rental properties and vacation homes that provide long-term rental income will help you gauge what investments will work best for your real estate ventures. The funding sources that you will use for each investment should be documented. The use of cash, securities, IRA funds or collateral loans will determine how much money you have to start investing. By sticking to the best source of funding, you will not use your personal income to fund underperforming investments. New investors can fall victim to spending more money than what is being earned.&#160; Property Management and Maintenance After a property is purchased, repairs or upgrades might be required to transform the property into ideal living space. Having a source for hiring contractors is another element that must be in your business plan. The actual management of the property is what will help you earn back your investment. From collecting monthly rent to handling tenant issues, a good property management team is one of the most important parts of a successful real estate investment.&#160; Additional items in a start up real estate investing business plan include: &#8226; IRA or Investment Trust Account &#8226; Financial Projections (Return on Investment)&#160; &#8226; Profit Splits Between Owners &#8226; Taxation Plan and Filing Dates &#8226; Future Investing Goals &#8226; Legal Representation&#160; &#8226; Cash or Accrual Accounting Decisions &#8226; Liability Insurance &#8226; Business Liquidation Procedure]]></description>
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		</item>
		<item>
		<title>Turnkey Real Estate Investment</title>
		<link>http://www.jacksonvillewealthbuilders.com/turnkey-real-estate-investment/</link>
		<comments>http://www.jacksonvillewealthbuilders.com/turnkey-real-estate-investment/#comments</comments>
		<pubDate>Sun, 12 Feb 2012 01:53:12 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Articles]]></category>
		<category><![CDATA[guide to turnkey real estate]]></category>
		<category><![CDATA[rental property dos and donts]]></category>
		<category><![CDATA[turnkey real estate]]></category>

		<guid isPermaLink="false">http://www.jacksonvillewealthbuilders.com/?p=3607</guid>
		<description><![CDATA[An attractive website, testimonial videos and a self-proclaimed Guru are some of the tactics used by inexperienced companies online that want sell you a turnkey real estate investment. If you are new to real estate investing, it can be tempting to buy into one or more programs due to your lack of knowledge. It takes more work than reading a book or attending a seminar to invest your money into a property that will produce the type of monthly rental return that you dream about. Knowing how to select the best turnkey opportunity will help you.&#160; Company Knowledge is the Key to Success A company that is offering a turnkey real estate investment should have the knowledge of how the markets work and what locations are emerging as the next must-have areas to own rental properties. Part of supporting new real estate investors means helping to educate them on the best ways to invest according to current and long-term market conditions. Companies that provide outdated information or that invest in markets no longer active should be avoided. There are many factors that can influence the profits that are earned when investing in rental properties. Knowing what to avoid and how to maximize income should be offered as part of a support system. Legitimate companies do not sell real estate solutions without some type of proven success. Providing updated news of current clients that are achieving success is very helpful to those that are still learning how to make good investments in real estate.&#160; What to Look for in a Turn Key Real Estate Investment Program &#8226; Guaranteed Monthly Income &#8226; Experienced Team of Real Estate Professionals &#8226; Licensed Contractors for Renovations&#160; &#8226; After Sale Support Services &#8226; Tenant Occupied Rentals &#8226; Property Management Solutions &#8226; Ongoing Training&#160; &#8226; Contract and Closing Assistance &#8226; Self-Directed IRA Advice &#8226; Alternatives to Cash or Lender Financing Having these additions in a turnkey real estate investment program gives you the assurance that you will not make mistakes when investing your money. If you have never owned a rental property, it is completely natural to have a lot of questions that deserve accurate answers. A team in place that can help you every step of the way speaks volumes for helping you build your portfolio of successful rental properties. Part of learning to become a successful real estate property investor is learning directly from a company that has a track record of success not just a fancy website.]]></description>
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		</item>
		<item>
		<title>Best Real Estate Investing Books</title>
		<link>http://www.jacksonvillewealthbuilders.com/best-real-estate-investing-books/</link>
		<comments>http://www.jacksonvillewealthbuilders.com/best-real-estate-investing-books/#comments</comments>
		<pubDate>Sat, 11 Feb 2012 03:39:17 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Articles]]></category>
		<category><![CDATA[2012]]></category>
		<category><![CDATA[best books of 2011]]></category>
		<category><![CDATA[books for real estate]]></category>
		<category><![CDATA[Florida foreclosures]]></category>
		<category><![CDATA[investing books]]></category>
		<category><![CDATA[rental property books]]></category>

		<guid isPermaLink="false">http://www.jacksonvillewealthbuilders.com/?p=3590</guid>
		<description><![CDATA[There is a secret formula to becoming successful as a real estate investor. It is called information. Reading some of the best real estate investing books is part of the legwork that smart investors use to build their knowledge. No investor makes decisions out of thin air. Information about markets, ROI, cap rates and rental income are all great things to know, but they are not the only pieces of information that you can use. The digital age makes it easy to find information online quickly, but you will find some really useful information is still printed in books.&#160; The Best Real Estate Investing Books 1. ABCs of Real Estate Investing by Ken McElroy This book was written in 2004 and continues to be considered the definitive guide for learning the ins and outs of real estate investing.&#160; 2. Emerging Real Estate Markets by David Lindahl While first introduced in 2007, this book teaches you how and where to find the hottest real estate markets to start putting your money into to make money as a real estate investor.&#160; 3. Investing in Duplexes, Triplexes and Quads by Larry B. Loftis Former attorney turned real estate investor provides his knowledge of how to turn real estate rental properties into cash flowing sources within a year.&#160; 4. Investing in Real Estate by Gary W. Eldred You will not find a comparable book with such a simple title that gives as much information about getting started in real estate investing. Over five editions have been printed that have educated hundreds of thousands of investors.&#160; 5. What Every Real Estate Investor Needs to Know About Cash Flow by Frank Gallinelli The amount of real estate formulas, risk versu profit calculations and scenarios presented about real estate income is astounding in this book. Many real estate investors use this book for calculating profits before they invest. Why Books are Excellent Sources for Learning A great thing to know about books is that much of the information that is printed inside is not easily shared. If someone reads a book and withholds what they know, it provides a way to get a competitive edge when using the information first before it becomes public knowledge. Many books are written as a series that teach you the basics first and move on to more advanced topics in real estate investing.&#160; This helps to build a foundation of knowledge that you can use to draw upon when making decisions. There are many authors of books that provide support to beginning investors that purchase their books by way of online forums or email questions. Learning from the mistakes of others will help you increase your real estate investing success.]]></description>
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		</item>
		<item>
		<title>Best Places to Get Started in Real Estate Investing</title>
		<link>http://www.jacksonvillewealthbuilders.com/best-places-to-get-started-in-real-estate-investing/</link>
		<comments>http://www.jacksonvillewealthbuilders.com/best-places-to-get-started-in-real-estate-investing/#comments</comments>
		<pubDate>Tue, 07 Feb 2012 03:01:10 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Investment Property]]></category>
		<category><![CDATA[beach properties]]></category>
		<category><![CDATA[best real estate investments]]></category>
		<category><![CDATA[jacksonville investments]]></category>
		<category><![CDATA[jacksonville statistics]]></category>
		<category><![CDATA[rental properties]]></category>

		<guid isPermaLink="false">http://www.jacksonvillewealthbuilders.com/?p=3564</guid>
		<description><![CDATA[Some real estate markets are lukewarm and others are very hot in terms of profit potential. Many investors are searching for the next lucrative market to open up with scores of rental properties. Florida has always been a popular place to invest, but recent developments in real estate have all eyes watching the Jacksonville market. This Northern Florida city is emerging as the place to go for rental properties at below market prices. Factors Affecting Jacksonville Real Estate The peak of the real estate boom began showing signs of trouble in 2007 and real estate prices have been steadily falling since then. There are many reasons why a homeowner enters a foreclosure, but the loss of these homes is fueling the market for real estate investors in Jacksonville, Florida. Current rental property and vacation homeowners are reaping the rewards of their investments well into 2012.&#160; Historically low interest rates offered by financial institutions is another factor driving the current real estate market in Jacksonville. Investors that use cash down payments and alternative funding like loans or bank notes to make up the difference are doing so with very little interest. Many lenders are giving out loans to investors that purchase their first rental property or multiple rental properties. New construction in and around the city of Jacksonville is bringing in more tourists and causing more people to take up residence in neighborhoods inside of the city and in the beach district. This rise in population is slated to continue for many years and investors that own rental properties will be positioned for long-term results.&#160; Growing Jacksonville Towns and Neighborhoods There are multiple sections of Duval county in Jacksonville, FL. Apart from the downtown area, there are many elegant neighborhoods and housing communities that are growing rapidly. New residents and tourists are moving into these neighborhoods as an alternative to living directly downtown.&#160; Some of the growing neighborhoods include:&#160; &#8226; Arlington &#8226; Arrowhead&#160; &#8226; Brooklyn &#8226; Avondale&#160; &#8226; Riverside &#8226; East Jacksonville &#8226; LaVilla &#8226; Mandarin &#8226; Ortega &#8226; Lake Shore &#8226; Greenfield Manor &#8226; Secret Cove &#8226; Spring Park &#8226; Windy Hill Jacksonville is surrounded by beaches that are just east of the downtown area. The beach communities are also a popular place to begin investing in real estate rental properties. The beach communities are Atlantic Beach, Mayport, Ponte Vedra, Jacksonville Beach and Neptune Beach.&#160; What to Know About Jacksonville Rental Properties Since Jacksonville has more residents than any other Florida city, the need for temporary and permanent housing is much greater. The influx of tourists, business people and new residents are helping to expand the rental property market. Rental income is traditionally larger in Jacksonville giving real estate investors a way to build steady income with long-term growth from rental property and vacation home investments.]]></description>
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		<item>
		<title>How to Buy Real Estate with Corporate Credit</title>
		<link>http://www.jacksonvillewealthbuilders.com/how-to-buy-real-estate-with-corporate-credit/</link>
		<comments>http://www.jacksonvillewealthbuilders.com/how-to-buy-real-estate-with-corporate-credit/#comments</comments>
		<pubDate>Wed, 01 Feb 2012 00:15:33 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Articles]]></category>
		<category><![CDATA[buy property with credit]]></category>
		<category><![CDATA[corporate credit]]></category>
		<category><![CDATA[LLC real estate guide]]></category>
		<category><![CDATA[real estate]]></category>

		<guid isPermaLink="false">http://www.jacksonvillewealthbuilders.com/?p=3486</guid>
		<description><![CDATA[Many people set up corporations to buy and sell real estate as an additional protection against liabilities. Others create a corporation to mask personal involvement in property transfers and public records. Regardless of the use of a corporation, you can buy real estate with corporate credit as an alternative to using your own cash or IRA. By capitalizing on the credit rating of your corporation, you can buy real estate and build your corporate holdings portfolio.&#160; Using Corporate Credit to Buy Real Estate A corporation is a separate entity and has its own credit rating and financial statements. Securing a loan from a financial lender or credit union is one way that corporate credit can be used to purchase real estate. The historically low interest rates that are now available is making is easier to receive funding. Your personal funds do not have to be tapped into to make a purchase. This allows a corporation to stand on its own to purchase and sell real estate.&#160; Requirements to Receive Corporate Credit You have options where you can apply for a loan based on your corporate credit. Commercial lenders and credit unions are two sources of financing that you can use to help finance a real estate purchase based on corporate credit. There are specific requirements that you must have before an approval of corporate credit will be granted.&#160; The most common requirements include: &#8226; Corporate Credit Report &#8226; Copies of Financial Statements from Investments &#8226; Cash for Down Payment of 10 to 25 Percent &#8226; Certified Home Inspection Report If your corporation already owns real estate or rental properties, the credit review process can be completed faster. Ownership of current assets that can be liquidated in the case of financial insolvency is one of the most important requirement. When you do not own any business assets, it complicates the lending process due to the high risks of corporate failures.&#160; Personal Guarantee May Be Required If your corporation owns no assets, the financial lender that you select may require you to provide a personal guarantee. This ensures the amount of a loan will not be lost if your corporation is dissolved before repayments are complete. If you have more than one officer in your corporation, his or her personal credit rating could improve the changes of a lending decision. There are many factors that influence lending decisions when buying real estate with corporate credit.]]></description>
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		<title>How Much Can My Spouse Contribute to an IRA</title>
		<link>http://www.jacksonvillewealthbuilders.com/how-much-can-my-spouse-contribute-to-an-ira/</link>
		<comments>http://www.jacksonvillewealthbuilders.com/how-much-can-my-spouse-contribute-to-an-ira/#comments</comments>
		<pubDate>Sun, 29 Jan 2012 19:28:46 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[IRA]]></category>
		<category><![CDATA[2012 ira rules]]></category>
		<category><![CDATA[ira deductions]]></category>
		<category><![CDATA[limits for ira contributions]]></category>
		<category><![CDATA[real estate ira investing]]></category>
		<category><![CDATA[spousal ira rules]]></category>

		<guid isPermaLink="false">http://www.jacksonvillewealthbuilders.com/?p=3452</guid>
		<description><![CDATA[You and your spouse can each own an individual IRA to invest in for your retirement. The rules change slightly that relate to earned income and what type of investments can be made. There are always tax requirements that must be followed to keep a spousal IRA free from penalties or possible account closure. By understanding the rules, you and your spouse can build a prosperous IRA.&#160; IRA Contribution Limits for Spousal IRAs The IRS has special rules when you are married and file a joint tax return each year. The income contributions that are allowed depend on the income that is earned by you and your spouse. Every person has a different financial situation and this is the reason for the strict rules. Spouses with no income have fewer restrictions. Your spouse can contribute to an IRA using one of these two formulas. &#8226; $5000 if under 50 years of age and no earned income &#8226; $6000 if over 50 years of age and no earned income The contribution amounts can be reduced if deductions were made to a Roth IRA account during the year and nondeductible contributions were made by the sole income earner. Tax Deductions for IRA Contributions One of the advantages to owning an IRA is the annual tax deductions that can be taken to reduce your taxable income. Since earnings are not taxed before being directly contributed, you have the option of deducting contributions during a taxable year. When an employer IRA plan is used, you may or may not be eligible to take the full contribution deduction for tax purposes.&#160; The calculations are based on your salary and the salary of your spouse. If your spouse earns income, there are still ways to take advantage of some deductions. If your spouse has no income, there are no special rules and you can deduct the full amount of annual contributions. Rules for partial deduction when your spouse makes IRA contributions to an employer IRA plan: &#8226; Annual income is higher than $90,000 but less than $110,000 &#8226; No deductions allowed when income exceeds $110,000 Additional Deductions on Income Knowing your contribution and deduction amounts is important. You could qualify for additional deductions like brokerage fees or trustee fees that can also reduce your Adjusted Gross Income (AGI). This will lower the tax that you are required to pay during each taxable year. &#160;]]></description>
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