Home Finance And Home Loans In Uae.

Along with the growth in the Real Estate market, Dubai has experienced simultaneous growth in its home finance sector in the past three years. According to a recent study by EFG-Hermes the current outstanding loans stands at Dh 11.5 billion. It is estimated by the Egyptian investment bank that the UAE housing finance sector will grow by Dh 14bn in 2007, Dh 18bn in the year 2008, the growth is estimated to be Dh18bn in 2009 as well and Dh 14bn and Dh 17bn in the years 2010 and 2011 respectively. These figures have been derived based on an expected population compound annual growth rate of about three percent. The most dominant forces in the Emirates home finance market are Amlak and Tamweel. They account for over 35 and 25 percentage of the industry respectively.

The Real Estate boom of the emirate has left the world spell bound, EFG-Hermes predicts that the total growth in the Real Estate should exceed the figure of Dh419bn in the years between 2008 and 2011. It has also been said that Dh 64bn will be funded through credit. The national bank of Dubai has tied up with Dubai properties for the sole purpose of finance apartments which are bought in tower H. Tower H is a primary tower for residential purposes at Business Bay in the project of the executive Towers. This tie up of the national bank of Dubai and Dubai properties, is more than welcome, as this tie up will ensure easy financing terms for the people who are aspiring to buy apartments in tower H. These easy schemes will mean that people will be able t finance their dream homes with no obligations of interest repayment. In this case the loan is made available for 85 percent of the property price of a sum of 4 million AED, whichever is lower. This loan is provided for a period of 20 years.

Dubais Islamic bank (DIB) and Al Islami home finance are also witnessing high demands from the retail customers. They have recently launched solutions that aim to meet the requirements of retail customers. These customers include both the UAE nationals and expatriates who are keen on buying property in the UAE freehold property market. In response to this high demand of the people, DIB has announced the launch of Mobile Mortgage Advisors. They are a team of mortgage sales expert who will be providing valuable consultancy at the customers door step.

Al Islami finance has launched finance solution products such as the forward Ijarah and Ijarah. Through the Advanced Eligibility Process customers get a right to choose their finance limit without first having to choose the property. The Dubai Islamic bank caters to the needs of a diverse customer profile. Also the al Islami home finance provides up to 90 percent finance and a maximum tenure of loan repayment of 25 years depending on the eligibility of their customers.

Choose Medical Equipment Finance To Remain With Technology Advancement

Equipment leasing has become a better advantage with everyone of us. With technology advancement in every field, it has got hold of medical community too. Medical equipment can be so expensive and out of date in a matter of a few years that everyone is opting for medical equipment finance these days. Cash flow and patient care are the two major concerns on the mind of people who are into this business. It is a very sensible thing for hospitals and private physicians to do to keep up with the technology and provide their patients with the best health care.

You have option to buy the equipment anytime during the lease or even at the end of the leasing term. In this way you can know whether the equipment will be beneficial for you in the coming years before you make a huge cash investment. The biggest advantage is that you are able to keep the state- of -art. This ensures optimum patient care and improves profit. If you had the right medical equipment finance, you would earn quite a bit of revenue as your patients will be getting better equipped facilities and the diagnostic tools at their disposal for tests. What more you can expect when your obsolete equipment is replaced with a newer one with latest technology. Moreover, you are not stuck with an instrument that you cannot use any more or even resell.

You can acquire sonogram, endoscope, ultrasound equipment,surgery tools, oxygen tanks, optometry equipment, orthopedic equipment,medical beds, oxygen machines, wheel chairs, x-ray film processing equipment and so on easily with the help of a reliable equipment leasing company. When it comes to big hospitals or health care institutes, medical accounting equipment becomes essential for handling accounts receivable, payable and with other accounting roles too. It is indispensable for big health care institutes and seeking the help of financing company to acquire this equipment is necessary.

Typical lease terms are for 6 months to five years. And it is best if your cash is strapped or you want to conserve your cash for business. This will enable you to obtain the needed piece of equipment without a major cash outlay.

California Companies Save When They Utilize Federal Hiring Credits And Enterprise Zone Credits

California-based corporations are on the lookout for ways to save money, and one of the best ways that is often not taken advantage of is to see if your company qualifies for federal hiring credits. These include the newly implemented Hire Act credit. As well, your company may also utilize state enterprise zone credits and the WOTC tax credit. Some of these credits are based upon whom you hire, while others require your corporation to make certain types of business-related purchases. When you add them all up, they can save your California company thousands of dollars off your taxes due.

The Hire Act credit is new, and provides your company that makes new hires during a certain time period qualified for these federal tax credits. This credit is available for tax years 2010 and 2011, and it allows your to deduct up to $1,000 in federal hiring credits for each non-family employee that is hired for at least a year and was hired after February 3, 2010. Your company must have hired the employee because you either had to fill a new position, or you needed to replace an employee who quit or was let go under certain conditions.

Other federal hiring credits include the WOTC tax credit. WOTC stands for Work Opportunity Tax Credit, and it allows your company to take deductions when you hire qualified employees. These employees, which will also often allow your company to deduct additional credits for Enterprise Zones, typically would be on various kinds of public assistance, such as food stamps or SSI. The state and federal tax credits may also be claimed if your company hires qualified ex-felons, certain types of youth hires, and veterans. When you do so, your company can earn WOTC tax credit of up to $6,000 annually or forty percent of the employee’s wages for the first year, granted that the employee meet a certain number of hours worked. Youth hires that qualify may allow your company to deduct up to $3,000, and when those employees who qualified because they were on long-term family assistance are taken into consideration, your company may earn a credit of up to $10,000 or forty percent of the first year’s wages and fifty percent of the second, with certain restrictions. When you see that your employees may qualify your company for multiple state and federal tax credits, you will understand that your savings on taxes can run into the thousands of dollars.

It is always best to seek professional counsel from a certified public accountant in California who has professional experience with federal hiring credits and Enterprise Zone credits, and can tell you specifically for which types of tax credits your company qualifies.

Basic Features Of A Law Firm

A law firm is a center that offers legal services and assistance to people who require legal help. A law firm has several lawyers and attorneys, belonging to both general and specialized categories. A law firm is the ultimate destination of a person or a business firm who are seeking legal help.
A law firm is generally of three major types. They have been explained as follows –
Small-sized law firms – A law workplace with 2-10 lawyers can be called a small-sized law firm. The benefits of seeking services from small-sized firms are numerous. Such a firm usually has more expertise in a given field and more frequently they have all the lawyers working in the same field.
Mid-sized law firms – A law office with 10-50 lawyers can be called a mid-sized law office. It is better to opt for a mid-sized law firm as the latter has more legal resources. On a practical thought, a mid-sized firm requires years of practice and effort to get such position and recognition. Being in the field for a comparatively longer time, the lawyers of a mid-sized firm would have contacts with legal officials.
Large law firms – These firms are certainly the paramount of all kinds of law firms. A law office having more than 50 lawyers can be called a large law office. Its prominence and size bear testimony to its level of expertise. Taking support from a large law firm can boost your chances to win a case. Another benefit of large law firms is that most of them have quite a few branches.
A typical law firm has several workforces other than lawyers. Some of them are depicted as follows:
Partners: They are essentially the owners of a law firm. It is influential for a lawyer to become a partner of his law firm. Only the most qualified and experienced attorneys become involved in partnerships with their law offices.
Associates: A lawyer who works under a firm but are not its partners are called associates. Typically, associates do not have as good know-how as the partners of their firms.
Law clerks: They are the people who are still studying law. Under a firm, law clerks carry on explorations on different cases and help out full-time lawyers in fighting their cases.
If you are in a legal affair, you must contact a renowned law firm. Oklahoma has several prestigious law firms that offer superior legal services.

Five Power Principles Successful Entrepreneurs Know And Use To Create Immense Wealth.

Five Power Principles Successful Entrepreneurs Know And Use To Create Immense Wealth.

#1 Process Comes Before Outcomes.

No field of human endeavour is completely isolated from all others. Parallels arise in sports from which wealth creators can learn interesting things.

Take this principle of focussing on process before outcome to build your financial freedom. Whilst not wishing to compare boxers of different eras or weight divisions, it is true to say that over the years a few proud men stand far above their peers as successful boxers. What such men have is a true gladiatorial spirit. They are all possessed of a passion for what they call ring craft The art of the ring.

These sportsmen become very wealthy, not because of focussing on the money but rather by concentrating on the process of perfecting their ring craft and survival skills inside the ropes. In return, they reap the rewards of huge pay days and corresponding wealth.

#2 Prove Your Business Idea Early On.

Entrepreneurs, who want a proven and successful wealth creating process, need to follow a critical sequence of events.

Proof of concept starts when you identify a market opportunity, gap or niche.

Design the products and services with which to fill the identified market gap.

Test drive the products to ensure they are “fit for market purpose.”

The proof stage should be a small scale preview of the main show. This is where you test ideas before spending a fortune and then finding out it does not fly.

#3 Expand Your Business.

If your idea fails even one of the proof of concept phases ditch the idea. If however, it passes all three stages then you are ready to expand your wealth creating machine. Business expansion is not the same as overstretching your resources. It is a planned process.

You can expand your business vertically or horizontally. The former involves growing the business in its “core” sector. The latter involves growing your wealth creating machine by diversification into other sectors.

Within each of these growth models, two critical sub processes are at work. Both rely on building effective human relationships. On the one hand, you must build and maintain harmonious customer service and customer relationships. On the other hand, you must engage effectively with your employees.

#4 Give The Customer What The Customer Wants.

Trying to lead the market carries the huge danger that your products and services may have no market credibility and worse no commercial viability. The marketplace simply ignores your solutions.

The issue here is, “Do you invent first and market second, or do you find the market need first and then develop a solution?”

You should find the market need or gap first and then plug the gap with your product or service.

Your wealth creating machine must adapt and be alive to changing market conditions and needs. “Inventing a wheel” is a once in a lifetime affair best left to a few very creative individuals.

Roni Deutch Tax Firm Now Offering Bankruptcy Representation To California

After 19 years of dedicated tax resolution services to those in need across the nation, Roni Deutch’s tax law firm is now offering California residents bankruptcy representation services.

Roni Deutch, The Tax Lady, and her expert team of tax attorneys recently started offering a new service that represents residents of the state of California looking to possibly file for Chapter 7 bankruptcy.

According to Deutch, many who contact the Roni Deutch tax firm for tax debt assistance will often require assistance with other major financial issues. Deutch is very pleased to be offering a new service to residents of California that helps them with their debt and credit issues with the use of bankruptcy representation.

Economic Times and Help

Last year, the US faced troubling economic times. Roni Deutch has stated that the economic issues troubling the nation last year are far from over. More and more individuals and families are facing debts they cannot afford, according to Deutch. Clients possibly seeking a bankruptcy resolution are constantly contacting the Roni Deutch tax firm. Recently, the firm has been able to offer their new bankruptcy resolution service to California residents, opening up the ability for many to file for Chapter 7 bankruptcy.

Free initial evaluations are being offered California residents who may be considering Chapter 7 bankruptcy, and the Roni Deutch team will help clients determine if it is the correct solution to resolve debt issues.

For years, Roni Deutch has been recognized by millions as The Tax Lady. For the past nineteen years, Deutch and her tax team have been helping people nation-wide resolve their tax debt. Roni Deutch has helped taxpayers save tens of millions of dollars and has been directly responsible for agreeable, settled resolutions with the IRS over taxes owed for so many families. The Roni Deutch tax firm is now extending their services to include their new bankruptcy representation service to assist clients with resolving their other debt issues.

Roni Deutch and the Team

Roni Deutch, A Professional Tax Corporation, is a tax law firm recognized across the nation. The firm has been assisting tax clients to find equitable solutions to their tax liabilities for over nineteen years. The Roni Deutch tax law firm is an agency dedicated to debt relief. The firm assists taxpayers in filing for bankruptcy relief under the Bankruptcy Code.

Franchise Opportunities In India

Franchised operations in India are increasing by the day. Being geographically vast and culturally diverse, India offers the most favorable franchising environment. While companies benefit by having many profit making outlets in different parts of the country, franchisees in India benefit by being able to generate good returns with little investment and risk involved. Entrepreneurs are making the most of India’s franchising market and growing economy by becoming successful franchisees. Indian franchisees can now choose from a plethora of international as well as domestic franchising companies. There are numerous attractive franchising options available in various sectors.

Ever since the franchising boom in the nineties, there have been many success stories. Franchisees in India helped many businesses grow and establish, while also gaining immensely from their business ventures. Examples of international franchises that have been successful in India include food and beverages giants such as Subway, Mc Donald’s and Kentucky Fried Chicken among others. Indian companies that have benefited from franchising include names such as Barista, MRF, NIIT and Apollo hospitals among others. It’s not just the bigger companies; smaller international and domestic companies also look for franchisees in India. The capital required for such ventures would be smaller when compared to highly reputed companies. The downside however, is that the risks are more, since you cannot ride on the popularity wave generated by the reputed companies.

Depending on your choice of business, you can either work from home or from an outside location. The initial capital you may require to start a franchising venture will depend on the type of business and the franchisor’s requirements. Most home-based franchise options are suited for work-at-home women. Cosmetics, healthcare products, services, home business household products and e-commerce ventures, make for convenient yet rewarding franchising options. Franchisors provide training and support and your business can gain from the image and professionalism of the franchising company.

Franchising allows entrepreneurs to have their own business, without many of the risks associated with a start-up business. Franchising also offers you great income and a flexible work style. But, as a potential franchise purchaser, you need to carefully consider the finances and risks associated, prior to starting your business. Read Franchise Plus to learn about the benefits, profits and risks associated with franchising in India. We help you make an informed franchising decision for a successful franchising venture in India.

Finance Will Become Lovable Subject For The Learners

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Tips On How To Start An Investment Club

Investment club is formed by a group of people who pool their money for joint investments. If you are a new to investing in stock market and have limited funds, starting an investment club is a great way to learn from other investors and get hands on experience in investing.

Here are some tips to starting an investment club.

1. Make sure all members understand the risks of investing. Many people who invest think they are going to be very successful, and are not prepared to lose all of their money. Unfortunately, there are no guarantees when it comes to the stock market. No one should invest money they are not willing to lose.

2. Find the right people who share the same investment objectives and goals. It is easier to get along with right minded people and learn from each other.

3. Make sure all club members agree to the partnership agreement and any other rules.

4. Join the National Association of Investors Corporation (NAIC) that provides support, information and tools on starting an investment club and investing, and publishes a monthly investor-learning magazine.

5. All members must agree to make a monthly contribution. The typical range of contribution is $20 to $100 a month. Members who contribute more than the required contribution are allowed greater share of profits.

6. Decide on how to meet and the frequency of meetings. For the initial setting up of the club, it may be best for everyone to meet in person. If all meetings are held online, it may be good to meet in person once or twice a year for social interaction. To keep up to date, it is recommended to meet 1-2 times a month.

7. Start with a small number of people. It is easier to come to an agreement when there are fewer members. When the club is established and all formal procedures are in place, new members can be invited to join.

8. Education is the main goal of an investment club. An investment club made up of educated investors will be more successful and cohesive than an investment club which is solely focused on making a profit.

9. Every investment club must have a well-defined investment style or investment philosophy. There must be clear selection criteria such as what type of stocks to invest, the acceptable risk tolerance level and rate of return. All club members should be aware of and agree to the investment style of the club.

Starting and running an investment club is an invaluable learning experience, where you can leverage on the expertise and knowledge of other investors. Investment clubs facilitate the exchange of ideas and collective decisions that are likely to produce sustainable returns.

How to Find an FTC-Compliant Debt Settlement Company

Frequently, debt settlement companies make fraudulent claims to potential clients. They might say: “You will only pay 25% of your debts,” or “This will not affect your credit score,” or “Calls and letters from creditors will automatically stop once you join our program.” These are all false statements, and they will not be made by a company that is compliant with the Federal Trade Commission, an independent agency of the United States government. This article discusses what an FTC-compliant debt settlement company should explain to potential clients.

Before we proceed, let’s look at the difference between debt settlement (also known as debt resolution or debt negotiation) and bill consolidation. A bill consolidation business negotiates interest rates and late fees with creditors. A debt settlement company negotiates lower balances. Suppose that you have $25,000 of unsecured debt with two credit card companies at a blended interest rate of 21%. A bill consolidation business negotiates lower interest rates on the two credit cards. A debt resolution company negotiates a lower balance.

Now, let’s go ahead and explain what an FTC-compliant business should clarify to prospective clients.

An FTC-compliant company should give potential clients an “honest assessment” of their current debt situation. They might say that filing for bankruptcy implies that one is not willing to take responsibility for his/her debts. They might also explain that the new bankruptcy laws make it more difficult for consumers to become debt free than before. They might remind prospective clients that bill resolution has worked remarkably for thousands of people over the years. However, personal commitment is needed to make debt negotiation work effectively.

New FTC regulations prohibit debt settlement companies from charging upfront fees before they begin working with consumers and businesses. A FTC-compliant company gives potential clients a free, no obligation debt analysis, which should include a free debt settlement savings estimate.

A debt settlement business that is compliant with the Federal Trade Commission cannot “guarantee” how much money clients will save using debt negotiation. Results vary from person to person. However, a responsible company will do everything to save their clients as much money as possible. A leading debt resolution business has this statement on their website: “We or your assigned local legal representation will do everything … to save you as much money as possible. Review past settlement letters to get an idea of how we have been able to negotiate settlements with creditors before.”

A trusted company will always have debt settlement letters and client testimonials on their website. How can anyone gain confidence in a business that does not provide any of this vital information?

An FTC-compliant company should make it clear that collection calls and letters might continue during debt resolution. A bill negotiation team normally sends out letters to creditors notifying them that a client has asked for debt help. However, this cannot stop “lawful collection activities.” In spite of this, many people report that phone calls and letters from creditors and collection agencies stop or decrease once they have sought debt relief.