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The Solo 401(k) for investing in real estate but it is perhaps the best kept secret.

“It is a powerful tool that most people don’t know about but should. There are at least four distinct advantages over an IRA (Individual Retirement Account),” says Jeff Moormeier co-founder of IRA Association of America, an alternative investment educational institution.

Moormeier teaches a program to real estate agents, CPAs, and investors on investing using the Solo 401(k). He says the advantages make this method of investing superior to a standard IRA.

He lists the following as the top reasons to set up a Solo 401(k) plan.

You can get money into a Solo 401(k) plan faster than IRA or SEP/IRA. You can use mortgage financing as leverage without triggering Unrelated Business Taxable Income. You can defer income into a Tax Free Roth account, inside the Solo 401(k). Getting money into a Solo 401(k) plan faster is a huge benefit. Let’s use a scenario to show the actual numbers: You have $100,000 of earned income, and you operate your business as a corporation with no employees.

“The maximum profit-sharing plan is 25% of earned income, which amounts to $25,000. Plus the maximum salary deferral is $15,000 and if you are over the age of 50 you may defer an extra $5,000. This is called a catch-up provision. In this example the total new money deposited into the Solo 401(k) is $45,000,” explains Moormeier.

“In the more common SEP account, the maximum contribution on the same income is $25,000. There is no employee deferral or catch-up provision in a SEP. The difference is $20,000 per year of additional money that may be added to a Solo 401(k) vs. SEP,” says Moormeier.

Many people are used to contributing to an IRA or a 401(k) plan, but not as many understand that they can actually have a 401(k) that can buy investment real estate with the money. In addition, you are able to borrow on a non-recourse basis to finance the purchase, thereby creating leverage in your retirement account. If you have leveraged property in an IRA there is a tax known as Unrelated Business Taxable Income. When the same transaction transpires in a Solo 401(k) this tax doesn’t apply.

“Now, what I am about to tell you, in my opinion, is far and away the greatest tax benefit the government has ever given us — as of January or February of this year the $15,000 salary deferral and the $5,000 catch-up provision can now go into a Roth account inside of this 401(k) plan and grow tax free. Tax free verses tax deferred growth is a monumental benefit to the Solo 401(k)” explains Moormeier.

He says the current Roth contributions have income limits.

“In other words if you make too much money you are unable to contribute to a Roth IRA. As of now regardless of your income, you are able to contribute to a Roth inside a Solo 401(k),” says Moormeier.

The IRA Association of America, online at iraaa.org, is where you can get the help you need to start a Solo 401(k) plan. Moormeier and co-founder Jeff Nabers have joined together to help people understand and make use of Solo 401(k) investing.

“We’ve created a company that helps you think. Quite frankly, there just aren’t a lot of tools out there to help people keep it all straight,” says Moormeier.

“We now offer a turnkey 401(k) package. We handle everything including determining eligibility, establishing the administration paperwork, opening a bank account, and handling your rollovers,” says Jeff Nabers, founder of IRAAA.

This 401(k) package will also soon be available directly through the many local IRAAA branches opening in early 2007. Remember, if you plan to have the Solo 401(k) plan help you by reducing your taxable income, then you will need to establish your plan by December 31 in order to claim a 2006 tax deduction. In 2006, if you are over the age of 50 you can contribute up to $49,000 for each participant, and jointly you and your spouse can deduct up to $98,000. If you are under the age of 50 you can contribute up to $44,000 for each participant, and jointly you and your spouse can deduct up to $88,000.

———————— Phoebe is writer, speaker, and author. She is the Director of Business Development for Quality Service Certification and a trainer in customer service for the real estate industry. She is a Realtor with The Guiltinan Group, a division of Prudential California Realty.

Her articles, feature stories, and columns appear in various publications including The Coast News, Del Mar Village Voice, and Rancho Santa Fe Review in San Diego. Phoebe worked for KGTV/10News in San Diego as a Newscaster, Reporter and Community Affairs Specialist for more than a decade. She is also the author of If the Trash Stinks, TAKE IT OUT! 14 Worriless Principles for Your Success available at Barnes

Little ones and grownups alike will enjoy wearing a Pocahontas costume this Halloween. The Indian princess is an appropriate choice for the season, and a nice change from all the scary costumes that are a Halloween staple. These comfortable costumes are easy to find, and available in sizes for infants on up to adults. There are plenty of different interpretations when it comes to Pocahontas Halloween costumes, too.

Kids’ Pocahontas Costumes There are lots of different options to choose from when it comes to picking the perfect Pocahontas for kids, but one of the most popular is based on Disney’s classic animated movie. These costumes don’t exactly mimic the Disney Princess’s beaded buckskin dress, but they’re very similar.

Of course, there are plenty of unlicensed versions that look like Disney’s Pocahontas, and lots of others that bring their own interpretation of the Indian princess. You’ll find different dresses and fringed pants, along with the Disney version. Remember that many costume packages don’t include accessories, so you’ll need to buy headbands, jewelry and footwear separately for a complete look.

Costumes For Adult Pocahontas Little kids aren’t the only ones who love the famous Indian princess, so there are lots of options for grownups and teens, too. Choose from some of the more traditional looks, or get a skimpy, sexy Pocahontas Halloween costume instead.

Most often made with short skirts and not much on top, these costumes are real attention getters. They also come in a lot of different price ranges, sizes and styles. That means that you’ll find one that works for you. Want to look at all your options? Check online.

In general, it’s smart to take your shopping on the Internet, whether you want a cute kid’s costume or something a little more grownup. That’s because of the huge array of choices online sellers can offer. You can look for great deals from the comfort of your desk chair, and buy with just a few clicks. Remember to order in time to get your costume for the big day!

Everyone wants a well made costume, so be sure to think about whether yours is priced too low. The very cheapest costumes may have low quality fabrics, poor stitching, or be badly fitted. Get one that’s well enough made to last more than just the night, and you’ll be a lot happier. So will your trick or treater!

A Pocahontas Halloween costume could be the perfect choice for you or your child this year, especially since there are so many possibilities to choose from. Shop online to find great deals and a wider selection than can fit in any brick and mortar store. If you don’t feel like dressing as a monster or ghost this year, Pocahontas could be the right choice.

As you probably know, to create an Excel formula, you begin by typing an equal sign: this distinguishes it from other types of data. A formula consists of a series of expressions. There are three key components in these expressions: arithmetic operations, such as add and subtract; Excel functions; and cell references.

To create a formula which calculates the total of two of the numbers in a spreadsheet (say 3 and 34), we could simply type “=3 34″. When we press the Enter key, we would see the correct result. However, the formula would have no link to the two cells which contain the numbers. If the data in the cells were to change, the formula would still calculate the old result.

Obviously, the best solution is to ensure that our formula contains a reference to the two cells in question. The simplest method of doing this is to click on the first cell having typed the equal sign. Excel then automatically creates a reference to the cell. Next type a plus sign and click the second cell. Excel puts in a reference to the second cell and we then enter the formula either by clicking on the Enter button (on the left of the formula bar) or pressing Enter on the keyboard.

Now that the formula contains a reference to these two cells, any time their contents change, the result generted by formula will be updated.

If this was the only way of performing calculations in Excel, formulas would very quickly become extremely long and very complex. To avoid this, we can use Excel’s built-in functions. Functions perform complex mathematical calculations without the user having to worry about how the result is arrived at.

For example, imagine that we wanted to add up the contents of a hundred different cells. If we relied purely on addition, we would end up creating a formula with a hundred different arguments; in other words, a hundred cell references to each of the cells containing the numbers. Thankfully, we can use the SUM function instead.

To use a function in a formula, type “=” followed by the name of the function. Next type open brackets and enter the arguments of the function. The arguments of the function are the values required by that function in order to return a result. In the case of the SUM function, we simply need to specify which cells contain the numbers we want to total. We can do this by clicking or dragging across the cells that contain those numbers.

When you have entered a reference to all cells containing numbers that we want to total, you can confirm entry of the formula by pressing the Enter key. You don’t even need to close the brackets. Excel will close them for you.

Swedish massage has been experienced by many individuals with health benefits from the tapotement portion of the session. Percussion massagers can be found in many professional health establishments around the world. Using the same method that Swedish massage uses during tapotement, the percussion massagers help to provide relief for aches and pains. Percussion massagers are becoming a popular and therapeutic tool the world over.

Percussion massagers use varied tapping motions on the muscles to help relieve pain and to help release the toxins in various organs and diseased areas. This is known as tapotement in Swedish massage and is a popular and common massage technique. Many of the patients that use this treatment notice improvements in their health and aches relatively quickly.

Patients with extreme cases of muscular discomfort may benefit from the continual use of a percussion massager. The percussion massager is much different than a human because the machine can be variably increased by changing the frequency of the rhythmic motions and power of the tapping motions. Accelerated recuperation is experienced by many of the people who use the percussion massager on a regular basis.

Respiratory therapists, physical therapists, chiropractic practitioners, salons and spa treatments are using percussion massagers more and more in their professions. The results that many patients and customers have had are prompting for these types of business and health centers to obtain these kinds of therapeutic devices. Using these percussion massagers provide businesses with an alternative form of treatment that can be used to treat individuals quickly and easily.

The lymphatic system is an important part of the body that retains toxins over time. The lactic acids that build in our muscles can cause discomfort and pain. Percussion massagers are great tools that can be used to help reduce and remove both toxins and lactic acids. A patient can benefit more from using the percussion massage treatments more often. Muscle repair, nerve stimulation, blood circulation and pain management are all benefits and improvements that are commonplace in consistent percussion massage sessions.

Many hospitals and professional massage establishments carry the percussion massagers. There are even home versions for those individuals that need a daily stimulation of the nerves or muscles for pain management. Percussion massagers can aid in detoxification of the body over long periods of usage, along with creating low forms of aerobic exercise in the muscles to increase blood flow and oxygenation of the area.

Closing comments

Many types of aches and illness can be successfully treated with the aid of a percussion massager device. This success has been observed in hospitals, clinics and massage specialist’s offices everywhere.

You will be thrilled at just how simple and easy it is get your website to the first page on Google and to find and attract valuable visitors to your site. Discover a strategy that could transform your online business or mlm in a way you had only dreamed of. It works for any type of online business. Sound too good to be true, believe me it is not!

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Getting started with video blogging and make money videoblogging blog article. Videoblogging is the next generation of posting ideas and products over the internet. Everybody knows about text blogging. Now they use videos for a better way of communication. This form of communication may entail a lot of resources, but it is all worth it. If pictures say a thousand words, videoblogging exceeds that by far. A videoblog requires larger disk spaces on websites, a faster server, and a whole new set of programs to support it. Videoblogs can be fed through RSS. This is a fairly new technology of syndicating your website to other RSS aggregators. If you are interested in software for video blogging Click Here

Videoblogging works with people on the internet who like expressing themselves. Now if you put this on a business prospective, you are up to a lot of extra benefits. Think of it as a powerful tool in showing your prospective customers your line of products or your services. It’s just like showing a commercial for free. And if you video blog through RSS, then most probably you are getting your target market reached.

People like to see what they are going to buy before they purchase the item. Some would like to see proof and be sure that they are getting their money’s worth before shelving their dimes on it. All of us know the influence of a thirty second commercial. The effect of videoblogging is similar to that. You show your product, people watch it. If they like it, they buy it. If you present it good enough, they’ll buy the product even if they don’t need it. Now on the web, things are pretty much static, unlike in television in which all are moving. If you post something that is mobile, it would most likely catch attention. Now imaging your product parading in all it’s royalty through videoblog. You could get tons of phone call orders in no time.

If your internet business is just starting up, you can create a videoblog right at your own home. All you need is your web camera, microphone, video software, and lights. For as long as you know how to use your camera, then you can create a video blog. Invest in a good web camera. The higher its resolution is the better the output. And you like to present your goods in the optimum way so get the best one possible. Make it a short story, or just capture your goods in one shot. Just make sure you are getting the best profile for each. Get your creativity juices flowing.

Lights are extremely important in a production. Make sure you illuminate entirely the area you are going to use to create your videoblog. The brighter the area, the crispier the images will be. You can also use lighting effects for added appeal to the presentation. Should you require sounds for your video blog, you need a microphone. Record you voice as a voice over for promoting the product and its benefit to consumers. Sounds are as important as videos on a videoblog. It is advisable to make your sound effects as enticing as the video itself.

Your video editing software can be any program. You need this to finalize your work. You can add sounds, delete some bad angles, or insert some still pictures in there too. Some programs are user-friendly and can be used even with zero knowledge on video editing. Even simple video editing programs should do the trick. Select your background carefully too. The light affects the presentation so make sure that the background and the light complements each other. Video blogging is a great tool but it also has it downside. It may slow down the computer so other may steer clear of it. Download time may also be especially slow if customer is still on a dial-up connection.

But don’t let those stop you at all. Let video blogging be an alternative for you, though it is best to still keep the text and pictures present in your presentation to accommodate all possible viewers of your site. Nowadays, the more creative you are in presenting your product to the market, they more you are likely to succeed. Videoblogging offers an interactive way of selling. You involve the customers. You instill in them the advantage of your goods. And at times, those are enough to make a sale. Click Here to get a video software bundle to explode your online website business.

Even if you’re a safe rider, you could be in an accident. Accidents involving motorcycles are responsible for a high number of death and injuries every year. In a lot of cases, you’ll need to get in touch with a motorcycle accident lawyer to be sure you’ll get the compensation you deserve.

Most motorcycle accidents are caused by collision with a passenger vehicle, whether a car or truck. Often, the person driving the car or truck doesn’t treat the motorcycle as another vehicle, violating the rider’s right of way. If the motorcycle can’t stop in time, there’s a collision.

Since motorcycles are much less well protected than a car, the motorcyclist is likely to be injured. If you’re involved in a motorcycle accident, it’s important to seek medical attention immediately. Even if you don’t feel like you need attention, you may have an injury that will worsen and require attention later.

Once you have visited your doctor, you should take the time to look for a personal injury lawyer that has experience with motorcycle cases. The attorney you choose can have a big impact on the way a claim turns out, should one be appropriate to your situation. Because the legal system can be very complicated, it’s wise to seek the advice of a professional.

You won’t necessarily be filing a claim with the Insurance Commission. However, you should still talk to an attorney to find out whether or not your situation is appropriate for one. You may be due compensation that you’re not aware of.

A lawyer familiar with the laws and regulations surrounding motorcycle accidents will be the best choice to serve your and your family’s needs. Remember that you should never sign any forms relating to the accident without talking to your attorney. You could end up giving away a large percentage of the compensation that you deserve.

A solicitor can help you protect your interests, even if you decide not to make a claim. That could be the difference between receiving insurance damages that come to half your bills and expenses from the accident, or that cover them in their entirety. Remember - if you’re not sure, ask an attorney.

Not everyone will need to file a claim for damages due from motorcycle accidents, but many will. That means that one of the first steps should be getting in contact with a lawyer that you trust. You have to estimate your claim and build it up to make sure you’ll get what you deserve.

Remember, if you’re in a motorcycle crash, first see a doctor, then a motorcycle accident lawyer. A good attorney will help you get a fair decision while you deal with your injuries and the loss of your motorcycle. Getting the right lawyer could have a significant impact on how your claim turns out.

The superiority of one music track over another in terms of quality often has nothing to do with the music or melody. Frequently, the better track is superior simply because it has been professionally mixed whilst the other has been constructed without an audio skill set. No matter, because creating a sweet mix is merely a result of acquired knowledge and skills, some of which are listed below.

1. Use the most professional sounding recordings and samples to build your track in the first place. Bad audio recordings is the surest way to have a terrible sounding track.

2. Utilize equalizers to cut out spaces in the audio spectrum for each instrument. For instance, cut cymbals at 1KHz to keep them in the higher registers and cut bass guitars at 100Hz to keep them from muddying up with the bass drum.

3. Create a nice stereo field by panning some instruments. While the bass drum and guitar should stay in the center to give the track stability, other elements such as cymbals and strings can be panned to add depth and sonic intrigue.

4. Understand and use compression to give clout to presence to each instrument. Tracks sound weak and lame without compression and is often a main difference between professional and amateur sounding tracks.

5. Compare the overall sound of your track next to favorite CDs in the same genre before you master. Make sure your track sounds as close to possible as the professionally made track and if it doesn’t, then figure out why and correct.

6. During final mixing, limit high peaks with a limiter which will let you increase the loudness of the entire track to its highest potential without distorting.

Finally, after you’ve burned your new mix onto a CD or into your .mp3 player play it in your car, your living room, your buddy’s house to make sure that your hit single sounds fantastic in all types of speakers systems.

Computer software, as we know it today, was first used in the early 1940s. Built in 1943, the Type 19 Synthetic Radar Trainer was a flight simulator built to replicate on-board instrument data for pilots in training. This simple program would lay the framework for educational curriculums across the United States. The Type 19 was not only the beginning of applicable computer software, it was the precursor to the educational uses of computer programs and software worldwide.

The first educational curriculum created for schools was the product of a joint collaboration between IBM and Stanford University. Although minimal programming languages, like BASIC and LOGO, were being taught to doctoral level students as early as 1963, the 1967 release of IBM’s project was a failure. Its excessive cost of $10,000 was insurmountable for the school districts of the time.

The personal computer made its debut in 1975 with the launching of the Altair 8800. This computer changed the perception of educational software entirely by making the dream of computing without a massive mainframe a reality. The introduction of a computer costing approximately $2000, meant schools districts could begin to incorporate computers and educational software into select schools. The subsequent release of the Commodore PET and the Apple II further fueled the demand for computer-based education in schools.

During the 1980s and early 1990s, the bulk of educational software programs were developed for the Apple II platform. The incorporation of superior graphics and sound quality, however, spurred a phenomenal demand for fun and appealing learning games. Additionally, the rise of the Internet in the mid 1990s opened the market to a larger amount of learning program manufacturers. Whether you owned a PC or a Macintosh, it was easy to be inundated by the sheer volume of available educational games.

The prevalence of educational software has resulted in its inclusion in practically every grade level of learning. This software is often geared towards making education fun. Beloved characters, vivid colors, and captivating soundtracks have revolutionized these learning games. The blend of education and fun is what makes educational software so popular. Learning simple arithmetic is now a magical quest or a ride through the cosmos, while reading and writing comprehension are used to decode sacred scrolls that zap attacking goblins. This model of learning has made learning software a seemingly lasting facet of modern education.

Hampers are gifts that are often presented in a wicker basket. The act of giving a hamper has a long tradition in the Western world and, previously, was done as a giving gesture, using the hamper to give food and other home essentials to the poor. The basket the hamper was displayed in was also carefully chosen as it was a helpful household item that could be used and reused.

In modern times, hampers have come to be less a gift of essentials and more a gift of little luxuries, such as wine hampers for example. An emphasis is placed on quality products such as gourmet jams, fine chocolates, exotic coffee beans, fine wines and other premium products that can be enjoyed as a indulgence and will keep long enough for your special someone to take their time in using the item.

There has also been a rising fashion to make specialist hampers - wine hampers that are stacked with a broad range and types of wine, chocolate hampers and bread and cheese hampers. Hobby hampers are an even more recent development and are filled not with food but with essential and wanted items to please gardeners or DIY enthusiasts, for example. The contents of a hamper are only restricted by your imagination!

The versatility of UK hampers is why it makes such a pleasing present. They can be tailored to any special someone and can be filled with anything that would satisfy the recipient. When picking the hamper you want to give, give careful thought to what things the recipient wants - are they a wine lover? Then wine hampers are a great idea! Are they a gourmet? Then fill the hamper with premium food products. Are they expecting a baby? Why not give them a hamper filled with useful baby products.

Hampers can be given for any event - for birthdays, for hens nights or bachelorette parties, for weddings, for anniversaries, for an expecting mom-to-be and, most popularly, for Xmas.

The Xmas hamper has become popular and, in an intriguing twist, customers are buying Christmas hampers to use for themselves instead of as a present for other people. Often crammed with well-loved Xmas luxuries such as shortbread, chocolate, wine, Xmas pudding and even turkey, they are bought by individuals to be used over the Christmas period. Many UK hampers are bought on a payment scheme over the year and then used for the Christmas period, helping people afford the price of the wonderful Xmas luxuries desired during the holiday season.

There are many of businesses that specialize in making hamper gifts and most of them can be found quickly and easily on the internet. Many of them will have pre-packed hampers - such as wine hampers or food hampers - and some may allow you to modify a hamper and fill it with items of your choice. Many businesses will deliver your hamper, making it a convenient and personal present.

Of course, you don’t have to use a company to create a perfect hamper and it can be even more thoughtful to create your own. When putting together a hamper, give careful thought to what they might like. Focus on handy items and luxury products that the recipient might not consider to purchase for themselves, to make it even more considerate. Hampers also work best when filled with items that won’t go off quickly, such as white wine for wine hampers. If you do intend on filling in items that need to be kept cool or will spoil, then make sure the hamper is delivered as quickly as possible and make sure the recipient understands that the products must be used as soon as possible.