Glass House

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It’s not easy to buy a first home, so here’s a suggestion that may be surprising: Instead of buying one residence, buy several. What I’m suggesting has nothing to do with late night infomercials or books that promise fast and easy wealth from real estate. Instead, many first-time buyers can benefit from an interesting quirk in the mortgage system. When you hear people talk about “real estate financing” they generally divide mortgages into two categories; loans for owner-occupants and more expensive and tougher loans for investors. “Investment financing” is for buyers who do not physically reside at a property. “Owner-occupant” loans are for homes, the places where we stay at night, the phone rings and the car are parked. But there’s a wrinkle: Owner-occupant financing with little down and low rates is typically available for the purchase of more than a single-family house. Normally you can get owner-occupant financing for properties with one-to-four units as long as you use one as

You know, there is something that is definitely more artistic about black and white photography. I know I am getting a little away from the overall concept of digital photography. But as a photographer, you will no doubt run into the phenomenon that is black and white photography. I can remember vividly a photography named Michael Zagaris who is the team photographer of the San Francisco 49ers. He said that he was just captivated by the use of black and white photography. The way the light and the shading are so much more evident. This helps contribute to the overall feeling and emotion of the moment that the black and white photo captures. Some of you may be saying to yourselves that color photography has surely taken the place of black and white photography, and I would say that for the most part, you are correct. An interesting note here is that black and white photography still holds a degree of nostalgia for most photographers, amateur and professional alike.Perhaps one reason

Photography is the art of reproducing pictures of people, objects or places in their exact likeness. These images can be transferred on any photosensitive material. Photography includes taking and printing pictures. The backbone of photography is the camera, the instrument or device that works on the principle of optics. The camera and photographic techniques have undergone phenomenal changes since the time the first camera was made. The earlier model did not contain the film; instead, it had a small light-shield box with a lens and translucent screen on either side. The image that traveled through the lens was stored on the screen. Known as ‘camera obscura,’ it was no more than a sketching device for artists. Then the scientists discovered the quality of silver nitrate that changes its color when exposed to light. This was the beginning of photogram, a method of making permanent images. They would place objects on the paper dipped in silver nitrate and expose it to the sunlight. A

What is offshore banking? Offshore banking can be defined as using the services of a bank located in a different jurisdiction or country than the depositor resides in. Offshore banks are usually located in places considered as tax havens and also provide additional confidentiality and security for the depositor. The term offshore was originated from the British Channel Islands, tax havens located literally offshore from the United Kingdom. These were the original tax havens and they started the usage of the term offshore for describing the industry. Those islands became major international banking centers because of those tax benefits and regulations. They were optimal places to hold assets abroad or save and invest. Offshore bank accounts are often less regulated than domestic banks due to fewer restrictions from their governments. This allows for more types of offshore banking accounts and ways in which they can be manipulated. Offshore banking has become a major worldwide busin

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In this day and age, there is not enough information that you can get in regards to commercial real estate. You might not only need help making your own new decisions, but you may also need to solidify what you already know. This article should help you due to the clear and concise manner that information is provided. With commercial property values being so high, it is important to seek out partners who can share the cost and the investment with you. This helps guarantee financing. Of course, these people need to be people you can trust, and the deal that is worked out needs to be engaging for all parties so that trust is kept. When dealing in commercial real estate, never act in haste and end up making a bad decision. Commercial real estate deals do take longer than family houses do. Everything takes longer: completing the purchasing transaction, re-modeling the property, getting it sold. This is not a negative thing, but just something to keep in mind. Commercial real estate is

The Federal, State, and local Governments have established a long list of publications to help taxpayers learn about the tax system. Businesses need access to a variety of tax services to perform daily business operations and these publications will teach small business owners how to fill out tax forms correctly. Tax services are provided free of charge to those that contact the Government agency for guidance by telephone or through regular or electronic mail services. Government agencies will provide tax services such as audits when discrepancies are noted on individual or corporate tax returns each year. This is one tax service that every American wants to avoid because penalties can be accessed for errors and audited tax forms usually mean that the taxpayer will owe additional monies. Some people might rely on a tax consultant for advice before they will attempt to file taxes on their own and this expense is justified by corporations who amass millions of dollars in revenue each y

How secure is the data on your smartphone or tablet? True, unless you’re a major celebrity, getting your phone hacked probably won’t make national headlines and your personal photos won’t be splashed all over the Internet. But even without major press… http://ift.tt/2BL9iZb Get more useful info from Mobile Privacy | Here are more ideas in or around SECURITY, mobile security, personal security . from our blog | Mobile Privacy .

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