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<?xml version="1.0" encoding="UTF-8"?><rss version="2.0" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:wfw="http://wellformedweb.org/CommentAPI/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:sy="http://purl.org/rss/1.0/modules/syndication/" xmlns:slash="http://purl.org/rss/1.0/modules/slash/" > <channel> <title>mwmholn.info</title> <atom:link href="http://mwmholn.info/feed" rel="self" type="application/rss+xml" /> <link>https://mwmholn.info</link> <description>Just another WordPress site</description> <lastBuildDate>Wed, 13 Mar 2024 19:53:43 +0000</lastBuildDate> <language>en</language> <sy:updatePeriod>hourly</sy:updatePeriod> <sy:updateFrequency>1</sy:updateFrequency> <generator>http://wordpress.org/?v=3.1.3</generator> <item> <title>Understanding Business Valuation</title> <link>https://mwmholn.info/understanding-business-valuation</link> <comments>https://mwmholn.info/understanding-business-valuation#comments</comments> <pubDate>Thu, 14 Dec 2023 11:55:34 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://mwmholn.info/?p=60</guid> <description><![CDATA[  What is Business Valuation? Business valuation is the process of determining the economic value of a business or company. It is important for a variety of reasons, including buying or selling a business, attracting investors, obtaining financing, or for tax and legal purposes. Business valuation takes into consideration several factors, including the company’s financial [...]]]></description> <content:encoded><![CDATA[<p><!--[CDATA[<br /><article><figure><mce:noscript><! <img src="https://tse1.mm.bing.net/th?q=Understanding%20Business%20Valuation" alt="Understanding Business Valuation A Practical Guide to Valuing Small" width="640" height="360" />--><img class="v-cover ads-img" style="margin-right: 8px; margin-bottom: 8px;" src="https://tse1.mm.bing.net/th?q=Understanding%20Business%20Valuation" alt="Understanding Business Valuation A Practical Guide to Valuing Small" width="100%" /></p><p> </p><h2>What is Business Valuation?</h2><p>Business valuation is the process of determining the economic value of a business or company. It is important for a variety of reasons, including buying or selling a business, attracting investors, obtaining financing, or for tax and legal purposes. Business valuation takes into consideration several factors, including the company’s financial statements, market conditions, industry trends, and the company’s future potential.</p><h2>Why is Business Valuation Important?</h2><p>Business valuation is crucial for both buyers and sellers. For buyers, it helps in determining a fair price for a business, ensuring they are not overpaying. For sellers, it helps in setting an asking price that reflects the true value of the business, maximizing their chances of a successful sale. Additionally, business valuation provides valuable insights into the company’s financial health and potential for growth, helping investors and lenders make informed decisions.</p><h2>Methods of Business Valuation</h2><h3>1. Asset-Based Approach</h3><p>The asset-based approach calculates the value of a business by considering its tangible and intangible assets. Tangible assets include physical properties like buildings, equipment, and inventory, while intangible assets include intellectual property, brand value, and customer relationships. This method is commonly used for businesses with significant tangible assets.</p><h3>2. Market-Based Approach</h3><p>The market-based approach determines the value of a business by comparing it to similar businesses that have recently been sold. This method relies on market data and considers factors such as industry trends, market conditions, and the financial performance of comparable companies. The market-based approach is particularly useful when there is a robust market for similar businesses.</p><h3>3. Income-Based Approach</h3><p>The income-based approach estimates the value of a business based on its expected future earnings or cash flows. This method takes into account factors such as revenue, expenses, growth rates, and risk. The income-based approach is commonly used for businesses with a stable and predictable income stream, such as established companies with a track record of financial performance.</p><h2>Factors Affecting Business Valuation</h2><p>Several factors can influence the value of a business, including:</p><p>- Financial performance: The company’s historical and projected financial performance plays a significant role in determining its value. Strong revenue growth, high-profit margins, and positive cash flow can increase the valuation.</p><p>- Market conditions: The state of the economy, industry trends, and market competition can impact a business’s value. A growing market and limited competition can drive up the valuation.</p><p>- Management team: The competency and experience of the management team can influence the business’s potential for growth and success, thus affecting its value.</p><p>- Intellectual property: Businesses with valuable intellectual property, such as patents or trademarks, may have a higher valuation due to their competitive advantage.</p><p>- Customer base: A loyal and diverse customer base can enhance a business’s value by providing a stable source of revenue and potential for growth.</p><h2>The Role of a Business Valuator</h2><p>Business valuation is a complex process that requires expertise and specialized knowledge. A professional business valuator, such as a certified public accountant (CPA) or a business appraiser, can provide an objective and unbiased assessment of a company’s value. They analyze financial statements, conduct market research, and use various valuation methods to arrive at a fair and accurate valuation.</p><h2>Conclusion</h2><p>Understanding business valuation is essential for anyone involved in buying, selling, or investing in a business. By considering factors such as financial performance, market conditions, and valuation methods, individuals can make informed decisions and maximize the value of their business. Consulting a professional business valuator can provide valuable insights and ensure an accurate valuation.</p><p><span id="more-60"></span></p><p><img style="margin-right: 8px; margin-bottom: 8px;" src="https://i2.wp.com/www.bvresources.com/images/default-source/product/partner-publications/understanding-business-valuation-fifth-edition.jpg?sfvrsn=4888f6b2_0" alt="Understanding Business Valuation A Practical Guide to Valuing Small" width="100%" /><img style="margin-right: 8px; margin-bottom: 8px;" src="https://i2.wp.com/pixhost.icu/avaxhome/cc/c0/0060c0cc.jpg" alt="Understanding Business Valuation Workbook A Practical Guide To Valuing" width="100%" /></p><p> </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://mwmholn.info/understanding-business-valuation/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Real Estate Investment Opportunities</title> <link>https://mwmholn.info/real-estate-investment-opportunities</link> <comments>https://mwmholn.info/real-estate-investment-opportunities#comments</comments> <pubDate>Thu, 14 Dec 2023 11:47:06 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://mwmholn.info/?p=58</guid> <description><![CDATA[  Introduction Investing in real estate has always been a lucrative opportunity for individuals looking to grow their wealth. As we enter the year 2023, the real estate market continues to present numerous investment opportunities for both seasoned investors and newcomers. In this article, we will explore some of the top real estate investment opportunities [...]]]></description> <content:encoded><![CDATA[<p><!--[CDATA[<br /><article><figure><mce:noscript><! <img src="https://tse1.mm.bing.net/th?q=Real%20Estate%20Investment%20Opportunities" alt="Online Essay Help amazonia.fiocruz.br" width="640" height="360" />--><img class="v-cover ads-img" style="margin-right: 8px; margin-bottom: 8px;" src="https://tse1.mm.bing.net/th?q=Real%20Estate%20Investment%20Opportunities" alt="Online Essay Help amazonia.fiocruz.br" width="100%" /></p><p> </p><h2>Introduction</h2><p>Investing in real estate has always been a lucrative opportunity for individuals looking to grow their wealth. As we enter the year 2023, the real estate market continues to present numerous investment opportunities for both seasoned investors and newcomers. In this article, we will explore some of the top real estate investment opportunities to consider this year.</p><h2>Rental Properties</h2><p>One of the most popular forms of real estate investment is purchasing rental properties. With the demand for rental housing on the rise, investing in residential properties can provide a steady stream of passive income. Consider investing in areas with a strong rental market and attractive rental yields.</p><h2>Commercial Real Estate</h2><p>Investing in commercial real estate is another lucrative opportunity in 2023. With the growth of businesses and startups, there is a high demand for office spaces, retail stores, and warehouses. Commercial properties typically offer higher rental returns and longer lease terms compared to residential properties.</p><h2>Real Estate Investment Trusts (REITs)</h2><p>For individuals looking for a more hands-off approach to real estate investment, consider investing in Real Estate Investment Trusts (REITs). REITs allow investors to pool their money together to invest in a diversified portfolio of real estate properties. This offers the benefits of real estate investment without the need for direct property ownership.</p><h2>Fix and Flip Properties</h2><p>For those with a knack for renovation and a keen eye for potential, fix and flip properties can be a profitable investment strategy. By purchasing properties in need of repair, renovating them, and selling them at a higher price, investors can make substantial profits. This strategy requires careful market analysis and project management skills.</p><h2>Real Estate Crowdfunding</h2><p>Real estate crowdfunding platforms have gained popularity in recent years, allowing individuals to invest in real estate projects with lower capital requirements. These platforms connect investors with developers and provide opportunities to invest in various real estate projects such as residential developments, commercial properties, and even hotels.</p><h2>Vacation Rentals</h2><p>Investing in vacation rentals can be a profitable venture, especially in popular tourist destinations. With the rise of platforms like Airbnb and VRBO, individuals can easily rent out their properties to travelers. Consider investing in properties located in areas with high tourist traffic and ensure they comply with local regulations.</p><h2>Real Estate Development</h2><p>Real estate development offers investors the opportunity to create value by developing properties from the ground up. This can involve purchasing land, obtaining necessary permits, and constructing residential or commercial properties. While this strategy requires significant capital and expertise, it can result in substantial returns.</p><h2>Student Housing</h2><p>Investing in student housing can be a lucrative opportunity, especially in areas with a high student population. With the increasing number of students pursuing higher education, there is a growing demand for affordable and convenient housing options. Consider investing in properties near universities or colleges to cater to this market.</p><h2>Real Estate Investment through Tax Liens</h2><p>Investing in tax liens can be an alternative way to enter the real estate market. When property owners fail to pay their property taxes, the government places liens on the properties. Investors can purchase these liens and earn interest on the delinquent taxes. In some cases, investors may even acquire the property if the owner fails to pay the lien.</p><h2>Conclusion</h2><p>As we move forward into 2023, the real estate market continues to offer a plethora of investment opportunities. Whether it’s through rental properties, commercial real estate, or alternative investment strategies, there are options available for investors of all types. It’s essential to conduct thorough research, assess market conditions, and seek professional advice before diving into real estate investment. With careful planning and strategic decision-making, investors can capitalize on the opportunities presented by the real estate market in 2023.</p><p><span id="more-58"></span></p><p><img style="margin-right: 8px; margin-bottom: 8px;" src="https://i.pinimg.com/originals/8b/37/52/8b3752db25a01dbc4ca14f09009f8828.jpg" alt="It's Monday, time to evaluate investments! Are you investing in the" width="100%" /></p><p> </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://mwmholn.info/real-estate-investment-opportunities/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Estate Planning Attorney Services</title> <link>https://mwmholn.info/estate-planning-attorney-services</link> <comments>https://mwmholn.info/estate-planning-attorney-services#comments</comments> <pubDate>Thu, 14 Dec 2023 11:40:16 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://mwmholn.info/?p=56</guid> <description><![CDATA[Introduction In 2023, estate planning has become an essential aspect of financial management. As individuals accumulate wealth and assets over time, it becomes crucial to ensure their proper distribution and protection. This is where estate planning attorneys play a vital role. With their expertise and knowledge, they assist clients in creating comprehensive plans that align [...]]]></description> <content:encoded><![CDATA[<p><!--[CDATA[<br /><article><figure><mce:noscript><! <img src="https://tse1.mm.bing.net/th?q=Estate%20Planning%20Attorney%20Services" alt="How Can You Help Your Estate Planning Lawyers? Long Island, NY Estate" width="640" height="360" />--><img class="v-cover ads-img" style="margin-right: 8px; margin-bottom: 8px;" src="https://tse1.mm.bing.net/th?q=Estate%20Planning%20Attorney%20Services" alt="How Can You Help Your Estate Planning Lawyers? Long Island, NY Estate" width="100%" /></p><h2>Introduction</h2><p>In 2023, estate planning has become an essential aspect of financial management. As individuals accumulate wealth and assets over time, it becomes crucial to ensure their proper distribution and protection. This is where estate planning attorneys play a vital role. With their expertise and knowledge, they assist clients in creating comprehensive plans that align with their goals and protect their legacy.</p><h2>What is Estate Planning?</h2><p>Estate planning refers to the process of making arrangements for the management and distribution of one’s assets and properties after their demise. It involves creating legal documents such as wills, trusts, power of attorney, and healthcare directives. Estate planning attorneys specialize in providing guidance and assistance in navigating the complexities of estate law to ensure the smooth transfer of assets according to the client’s wishes.</p><h3>Services Offered by Estate Planning Attorneys</h3><p>Estate planning attorneys offer a range of services tailored to meet the unique needs of their clients. These services include:</p><h3>1. Creating Wills</h3><p>One of the primary tasks of an estate planning attorney is to help clients create a legally binding will. A will outlines how the individual’s assets should be distributed and who will be designated as beneficiaries. It allows individuals to have control over their assets even after they pass away.</p><h3>2. Establishing Trusts</h3><p>Estate planning attorneys also assist clients in establishing trusts, which can be an effective tool for managing and protecting assets. Trusts provide flexibility, privacy, and can help minimize estate taxes. Attorneys help clients determine the type of trust that best suits their needs and guide them through the process of setting it up.</p><h3>3. Power of Attorney and Healthcare Directives</h3><p>In addition to asset distribution, estate planning attorneys also help clients designate powers of attorney and create healthcare directives. These documents appoint trusted individuals to make financial and medical decisions on behalf of the client if they become incapacitated.</p><h3>4. Estate Tax Planning</h3><p>Estate planning attorneys are well-versed in tax laws and can assist clients in minimizing estate taxes. They analyze each client’s financial situation and develop strategies to reduce tax liabilities while ensuring the smooth transfer of assets to beneficiaries.</p><h3>5. Probate Assistance</h3><p>If a client passes away without a proper estate plan, their assets may go through the probate process. Estate planning attorneys can guide clients’ families through this legal process, ensuring that assets are distributed according to the state’s laws.</p><h2>Conclusion</h2><p>In 2023, the services of estate planning attorneys are more crucial than ever. With the complexities of estate law and the need for effective asset management, individuals must seek professional guidance to ensure their wishes are honored and their loved ones are protected. Estate planning attorneys provide comprehensive services that cover wills, trusts, power of attorney, healthcare directives, estate tax planning, and probate assistance. By consulting with an estate planning attorney, individuals can create a solid plan that secures their legacy and brings them peace of mind.</p><p><span id="more-56"></span></p><p><img style="margin-right: 8px; margin-bottom: 8px;" src="https://i2.wp.com/dta0yqvfnusiq.cloudfront.net/capitalcitylawoffice/2018/06/hire-the-right-estate-planning-attorney-for-you-5b3654a4b447c.jpg" alt="Estate Planning Attorney How To Choose The Right Estate Planning" width="100%" /><img style="margin-right: 8px; margin-bottom: 8px;" src="https://i2.wp.com/www.kobricklaw.com/wp-content/uploads/2017/10/shutterstock_2595096.jpg" alt="How Can You Help Your Estate Planning Lawyers? Long Island, NY Estate" width="100%" /></p><p> </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://mwmholn.info/estate-planning-attorney-services/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Personal Finance Knowledge – Learn the Simple Techniques of Credit Card Debt Relief</title> <link>https://mwmholn.info/personal-finance-knowledge-learn-the-simple-techniques-of-credit-card-debt-relief</link> <comments>https://mwmholn.info/personal-finance-knowledge-learn-the-simple-techniques-of-credit-card-debt-relief#comments</comments> <pubDate>Sun, 02 Apr 2023 02:07:42 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Personal Finance]]></category> <guid isPermaLink="false">http://mwmholn.info/?p=51</guid> <description><![CDATA[Have you ever obtained a new job, or had a raise and thought “Great, now I can pay off my cards even faster?” Credit card debt relief is what everyone struggling with their cards is looking for. The ability to spend your own money on what you want and not have to use it to [...]]]></description> <content:encoded><![CDATA[<p> Have you ever obtained a new job, or had a raise and thought “Great, now I can pay off my cards even faster?” Credit card debt relief is what everyone struggling with their cards is looking for. The ability to spend your own money on what you want and not have to use it to pay off some company at very high interest rates. If you are in this state your personal finance knowledge should now be telling you all this is true.You might not realize it but one of the most important results of obtaining credit card debt relief is the fact that it will de stress you. Once you start on a program of budgeting and watching your money, your stress levels will correspondingly start to drop as you see results.Try and think of some of the goods you want right now. Now compare owning them with being able to pay off your cards each month. It takes getting into credit card debt for some people to realize that having your own money in the bank is preferable.The first thing to do in order to get to this stage is to develop a budget for yourself and stick to it. Try using cash instead of your card when making purchases.You can also try debt consolidation to lower your monthly payments. This is a popular and successful method of reducing the amount you are paying off tour cards each month. Of course you should do your own research and choose depending on your own circumstances. You will not reduce your debt by consolidating your loans but with the extra money in your pocket each month you now have the opportunity of paying off your loans faster.Here are 5 basic guidelines you should check out carefully1 – Get a budget prepared. Plan out all your expenses so you know what bill is coming when for at least a year.2 – If you cannot afford it then do not buy it.3 – Ideally you should make full payments on your card before the due date. If this is impossible then make the maximum payment you can before the due date.4 – Just one or two cards should be sufficient for most people. Yes there are exceptions but think very carefully if you are of the opinion you are one.5 – Never use more than 70% of the credit available to you.Your personal finance knowledge should be updated so you know and understand exactly how you will proceed to reduce or even eliminate your credit card debt. </p>]]></content:encoded> <wfw:commentRss>https://mwmholn.info/personal-finance-knowledge-learn-the-simple-techniques-of-credit-card-debt-relief/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Alcohol Addiction and Rehabilitation</title> <link>https://mwmholn.info/alcohol-addiction-and-rehabilitation</link> <comments>https://mwmholn.info/alcohol-addiction-and-rehabilitation#comments</comments> <pubDate>Sat, 01 Apr 2023 21:59:01 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Addictions]]></category> <guid isPermaLink="false">http://mwmholn.info/?p=48</guid> <description><![CDATA[For every addiction there is a recovery program. A common misnomer is that alcohol is addictive. Alcohol in its own right is not addictive. According to Friedbert Weiss PhD. and Linda J. Porrino Ph.D., it is the effects from alcohol on the brain that make it addictive. The effects that make alcohol addictive are the [...]]]></description> <content:encoded><![CDATA[<p> For every addiction there is a recovery program. A common misnomer is that alcohol is addictive. Alcohol in its own right is not addictive. According to Friedbert Weiss PhD. and Linda J. Porrino Ph.D., it is the effects from alcohol on the brain that make it addictive. The effects that make alcohol addictive are the large amount of dopamine and endorphins released into the body. This chemical surge increases the body’s cravings for the effects of the substances.This craving is also elevated by genetics. According to Doctor Todd Detar at the Medical University of South Carolina, the disease of addiction is a chronic brain disease. Not to be confused with a drug dependency, addiction stems from a genetic trait carried down from a parent to child. Addiction manifests as a compulsive obsession to use a substance regardless of its detrimental and sometimes irreversible effects. Generally, once the brain is exposed to the increase of dopamine and endorphins, the constant cravings become stronger and stronger.The stronger the cravings the more substance is consumed, the more substance consumed the more the body becomes accustomed to it. The cycle is vicious and unyielding, until the individual takes the first steps towards recovery. Once the individual realizes that he or she is addicted, they then need to take steps towards recovery. Societal views of addiction rest predominantly on the perception that those fighting addiction are weak or bad people, unwilling to lead productive and moral lives and control themselves. There is also a less common yet existent public view that an addict is victim of their societal situation, according to Alan Leshner. He also states that there is revealing research showing great differences in the brains of the addicted and non-addicted, regardless of the substance. However, with the dramatic latency between scientific advancements and their appreciation by the general public, a large disconnect has formed leaving many in society with older, more out of date views of addiction.Among the common substances abused by millions daily, Alcohol is the most commonly abused substance according to a National Survey on Drug Use and Health. Alcohol rehabilitation is common around the globe as more people suffer its effects than other substances. Since the 1800′s, leaps and bounds have been made to combat the effects of addiction. Where once drastic measures were taken to fight off the addictive bug, now, consultations with addiction counselors and groups have allowed increased rates of success. Further, depending on the quantity being consumed daily by the individual, some cases may require medical intervention in the beginning; other cases may require an increase in time at a treatment center.Alcohol rehabilitation works; some instances just take a bit longer. According to a study by Stephen A. Maisto, Ph.D., there is an increase in successful addiction recovery based on an increased period of time in treatment. An increase in both residential and medicated outpatient groups showed an increase in success in the recovery of persons fighting addiction. Combined with lecture style training, small group meetings, and one-on-one counseling, individuals have a better chance at a successful recovery than ever.This battle against the disease of addiction is one of the hardest someone will ever fight. Once the brain chemistry is changed, an individual must fight daily against the urge to self-medicate, falling into the grips of substance abuse once more. The pressure is all around to use these addictive substances. That need to relax or calm the nerves is strong, but human will is stronger. Never give in and never give up the fight. Alcohol rehab is a means to recovery; you are the method to success. </p>]]></content:encoded> <wfw:commentRss>https://mwmholn.info/alcohol-addiction-and-rehabilitation/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>How Tax Planning Between Israel and the United States Can Significantly Reduce Your Taxes</title> <link>https://mwmholn.info/how-tax-planning-between-israel-and-the-united-states-can-significantly-reduce-your-taxes</link> <comments>https://mwmholn.info/how-tax-planning-between-israel-and-the-united-states-can-significantly-reduce-your-taxes#comments</comments> <pubDate>Sat, 01 Apr 2023 15:36:44 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Taxes Income]]></category> <guid isPermaLink="false">http://mwmholn.info/?p=46</guid> <description><![CDATA[This article is the first of two that will provide an overview of U.S. and Israeli personal income tax and estate tax (taxes paid at the time of death). The article is intended for people who live, or plan to move to Israel, and to US parents with children in Israel. It is also relevant [...]]]></description> <content:encoded><![CDATA[<p> This article is the first of two that will provide an overview of U.S. and Israeli personal income tax and estate tax (taxes paid at the time of death). The article is intended for people who live, or plan to move to Israel, and to US parents with children in Israel. It is also relevant for business people with activity in the U.S. who are neither U.S. citizens or green card holders.As a general rule, U.S. citizens and residents pay tax on their worldwide income. Thus the U.S. taxes of an Israeli citizen residing in the U.S. and a U.S. citizen living in Israel are basically the same. Both must file annual tax returns in the U.S. and report their worldwide income and foreign bank account.On the other hand, non-citizens of the U.S. who are not residents of the US pay taxes only on income that is generated in the United States. The income that may be subject to Federal income tax fall into two categories: income that is tied to a business in the U.S., or “passive” income, such as interest, dividends, etc.Obviously, for a non-citizen/non-resident with significant income outside the U.S., the question of when and whether that person will be considered a U.S. resident has very important tax implications. Most non-citizens may think that the term “resident” means what it does in the world of Immigration law. However, this is not the case. For tax purposes, a person who is either a citizen or green card holder indeed pays tax on world wide income. However, non-citizens without a green card will generally be considered residents if they meet the following criteria:a. Was in the U.S. 31 days during the year in question, and<br />b. Was in the U.S 183 days during the 3-year period, from the year in question and 2 years before that. However, in making the calculations, days present in the U.S. the year in question are counted as full days. Days present in the first year before that are counted as 1/3 days. Days present in the second year before that are counted as 1/6 days. So if the person was in the U.S. in 2009 the total of 93 days, and 120 days in 2008 and 120 days in 2007, the sum is 153 days. This person will not be considered a resident in 2009 for U.S. income tax purposes.To summarize, if you have substantial income outside the US and are neither a citizen or green card holder, you need to count your days carefully. Proper planning options are available.On the other hand, if a significant part of your worldwide income is generated in the U.S., and you are a non-citizen, non-resident, then it may be preferable to be considered a resident for tax purposes. Why? Because non-citizen non-residents pay a relatively high flat tax on the gross amount of income received and the amount of deductions they can claim to reduce their income is limited. Thus the income on which the flat tax is imposed is high.With regard to Israeli taxation, Israel, like the United States, taxes its residents on a world-wide basis. Regardless of citizenship, an Israeli resident is taxed on income worldwide. Also like that U.S., Israel taxes non-residents only on income generated in Israel.Does this mean that people end up being clobbered by taxes in both countries?If this were the case, obviously few are the people that would move or invest abroad. Treaties to avoid double taxation solve this. The goal of the Treaty is to provide a tax credit in his/her country of residence for taxes paid in the other country. For example, a U.S. based taxpayer with $50,000 taxable income in Israel would be taxed in Israel at 17.5%. The U.S. taxpayer would only be required to pay additional taxes in the U.S. if his/her tax rate on the $50,000 is higher than 17.5%, in which case, the person would pay the I.R.S. only the difference. In the reverse case, the Israel-resident taxpayer is required to pay the 17.5% to the U.S., and then a Cap up to the marginal tax rate in Israel.The most interesting scenario involves U.S citizens or residents who move or return to Israel. Under the above analysis, it would appear that this person pay Israeli taxes on worldwide income, and receive a credit for any income taxes paid in the U.S.This is not the case, however, due to very special circumstances. First, Israel has granted substantial tax exemptions to Olim Hadashim and veteran ex-pats to attract them to move to Israel. The essence of these exemptions are that people moving or returning to Israel are exempt from taxation for a period of 10 years for all income that is generated outside of Israel. (Legislation providing investment benefits for this group is being finalized, and worth while exploring as well).Given, however, that the person is a U.S. Citizen or resident, one would think that this income would still be taxed in the U.S. In some cases, this is the case. However significant loop-holes exist. With proper planning, the U.S. citizen with either an active U.S. business or passive income can move to Israel, and with proper planning, be exempt from taxes in the U.S. as well. This is true with regard to various types of investment income, capital gains, and most significantly, for salaries and several other related expenses paid to that person by a U.S. business, whether it is owned by that tax payer or not.Will this income be taxed in Israel as Israel-sourced income? A complex question. Clearly, income generated in Israel is subject to Israeli tax. Yet proper planning can be highly effective. Clearly, the aim is to be fully exempt in both countries.To summarize, the status of taxation between Israel and the U.S. is very fact specific, and depends on the status of each and every person and family. Non-U.S. taxpayers who maintain some business activity in the U.S. should plan their U.S. actions carefully and count days. With regard to U.S. Citizens and residents living in Israel or planning to do so, and with regard to families of such people, there are significant areas where proper planning can be most beneficial. And for the person or family before or after the move to Israel, the importance of having a healthy monthly stream of income in U.S. Dollars to support live in Israel cannot be overestimated. Financial security is often a key factor in determining if and how a person will enjoy the life they hoped for in Israel. Proper planning can help and have a great beneficial for all parties involved.And as this article provides an overview of the subject, nothing in it should be construed as providing legal or other advice for any specific case. </p>]]></content:encoded> <wfw:commentRss>https://mwmholn.info/how-tax-planning-between-israel-and-the-united-states-can-significantly-reduce-your-taxes/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>How To Deal With Divorce For Indian Mothers And Women</title> <link>https://mwmholn.info/how-to-deal-with-divorce-for-indian-mothers-and-women</link> <comments>https://mwmholn.info/how-to-deal-with-divorce-for-indian-mothers-and-women#comments</comments> <pubDate>Sat, 01 Apr 2023 11:36:05 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Womens Issues]]></category> <guid isPermaLink="false">http://mwmholn.info/?p=44</guid> <description><![CDATA[Divorce is not a common occurrence in India. And it is rarer still for mothers who have already had at least one child. For a mother who is divorced and working, the trauma of divorce can last for many years. Pointed remarks, judgmental stares, and labels prompting social stigma, can make it difficult to move [...]]]></description> <content:encoded><![CDATA[<p> Divorce is not a common occurrence in India. And it is rarer still for mothers who have already had at least one child. For a mother who is divorced and working, the trauma of divorce can last for many years. Pointed remarks, judgmental stares, and labels prompting social stigma, can make it difficult to move forward in life. Not only does a divorced mother have to gain a new social standing for herself, but she has to face the serious problem of social alienation and unsure finances, which is known to be especially common in the Indian culture.Here is some advice for mothers trying to deal with divorce, and settle in a life worth living and being happy for:Financial issuesIt is always tough to break the usual cycle of using her husband’s income to support the child and herself, but this must be replaced with financial independence. Surveys have shown that only one third of Indian women who get divorced are able to retain their pre-divorce standard of living. Such a steep drop is bound to hinder lifestyle, career-centered thinking, and generally evokes a feeling of being incapable of handling things. This should not discourage women from learning and building an independent financial future for herself and any children.Women who are working shouldn’t delegate the important responsibility of handling finances to other people. For instance – investing in schemes, paying income tax, etc. should not be left for the husband to look after, instead they should show a keen interest in seeing their hard earned money through – watching it reap benefits, or falter with losses.Handling loneliness and anger problemsIndian women are known to be very dependent on their husbands for taking most decisions. Ways to solve these issues are by talking to friends, spending time with family members, and seeking the help of a professional if necessary. The chances of a divorced women being accepted back into society comfortably, to this day, is still bleak. It’s best to involve oneself in social functions and develop interest in recreational activities. Doing so gradually and steadily is advisable.ParentingIt is quite normal for divorced mothers to be confused. However, this very confusion can be disastrous for her child’s upbringing.Schedules that get disrupted, unbalanced decisions and family issues that are left unsettled, can lead any child into believing the attitude of getting away is acceptable.If the ex-husband has visitation rights, it is best not to discourage it. It is important to remember that the visitation rights are for the child. Children are better off with both parents, irrespective of how it impacts a woman emotionally. From a child’s innocent perceptive and for his/her benefit, that is a matter of fact. This by no means implies that women should allow their former spouses to dominant any part of their lives.Dealing with divorce is an excruciating experience for mothers in India, with degraded financial support and higher responsibilities. Professional divorce counseling can also be helpful in overcoming post-divorce difficulties. These are some issues to keep in mind when putting together a life after divorce, and Indian women are best advised to begin gaining their independence within the marriage, rather than starting late when the vows are no longer pertinent. </p>]]></content:encoded> <wfw:commentRss>https://mwmholn.info/how-to-deal-with-divorce-for-indian-mothers-and-women/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Server not found</title> <link>https://mwmholn.info/server-not-found</link> <comments>https://mwmholn.info/server-not-found#comments</comments> <pubDate>Sat, 01 Apr 2023 00:35:30 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Fashion Design]]></category> <guid isPermaLink="false">http://mwmholn.info/?p=42</guid> <description><![CDATA[#EANF#]]></description> <content:encoded><![CDATA[<p>#EANF#</p>]]></content:encoded> <wfw:commentRss>https://mwmholn.info/server-not-found/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Drug Rehab Clinic – Information You Should Know</title> <link>https://mwmholn.info/drug-rehab-clinic-information-you-should-know</link> <comments>https://mwmholn.info/drug-rehab-clinic-information-you-should-know#comments</comments> <pubDate>Sat, 25 Mar 2023 17:04:48 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[drug rehab]]></category> <guid isPermaLink="false">http://mwmholn.info/?p=40</guid> <description><![CDATA[There are many types of NJ drug rehab facilities from clinics to executive drug rehab options. Addictions are not a matter of will power as some believe, it is a physical and mental need for the drug of choice created in some instances by repeated use of the drug. Other times the addiction is caused [...]]]></description> <content:encoded><![CDATA[<p> There are many types of NJ drug rehab facilities from clinics to executive drug rehab options. Addictions are not a matter of will power as some believe, it is a physical and mental need for the drug of choice created in some instances by repeated use of the drug. Other times the addiction is caused by the psychological needs that are not being met, and drugs tend to fill this void. In any situation, rehab facilities can be found to suit any conditions and needs.There are many payment options for NJ drug rehab facilities. Many clinics require the payment up front for any treatment, regardless of length of time the treatment will take place in, or if the program is in patient or out patient in nature. NJ drug rehab centers will each have their own requirements for acceptance and payment into their programs. Examples of requirements include:- Prepayment of all treatments prior to beginning.<br />- Therapy and follow up care as well as participation in a 12 step program for addicts.<br />- Family and friend help and support throughout the treatment, as group, personal and family therapy counseling are generally offered to all participants. If your family or friends are not supportive of these treatments, the participant must agree to try to attend all therapies and sessions asked of them after treatment is complete.There are many facilities that offer medication treatments for withdrawal symptoms during detox phases of treatment. Detox is considered the hardest part of drug rehab, although it lasts the least amount of time. The fact that the body undergoes changes that are ridding the need for the drug is what makes the detox so hard on participants. Some facilities offer a quick detox program, while others will last a full 2 weeks. In order to continue with treatment, a participant must complete detox successfully without relapse. Treatments such as behavior management and counseling or therapy are not effective if the drug is still being used concurrently.Multiple facilities are approved to accept Medicare and Medicaid as payment options. Therefore if this will be a participants’ payment method, it is suggested that the local Medicare and Medicaid offices be contacted for a list of approved providers that accept this payment method. Others will accept only private insurance or cash payments. To find out more about your location, contact them directly. </p>]]></content:encoded> <wfw:commentRss>https://mwmholn.info/drug-rehab-clinic-information-you-should-know/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Small Business Loan Trade-offs – Choosing the Best Rate</title> <link>https://mwmholn.info/small-business-loan-trade-offs-choosing-the-best-rate</link> <comments>https://mwmholn.info/small-business-loan-trade-offs-choosing-the-best-rate#comments</comments> <pubDate>Sat, 25 Mar 2023 14:53:09 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[buying]]></category> <category><![CDATA[employee payments]]></category> <category><![CDATA[finance]]></category> <guid isPermaLink="false">http://mwmholn.info/?p=38</guid> <description><![CDATA[Most small business borrowers are understandably confused by all of the different interest rates for commercial loans. How does a small business borrower decide what is the “best” rate? Is it the lowest rate or is it more complicated than that?Commercial loan rates are indeed a source of confusion for most business owners. There are [...]]]></description> <content:encoded><![CDATA[<p> Most small business borrowers are understandably confused by all of the different interest rates for commercial loans. How does a small business borrower decide what is the “best” rate? Is it the lowest rate or is it more complicated than that?Commercial loan rates are indeed a source of confusion for most business owners. There are many variables in determining these rates, including the type of business, loan-to-value, length of loan, credit scores, how long rates will be fixed, stated income or tax returns used to qualify, assumable loan or not assumable, and whether recall or balloon features are included/excluded.If a small business borrower wants the lowest rate, this will usually be found in a short-term bank loan that has recall/balloon terms and other generally undesirable features. Although this type of loan might have the lowest rate, it will not necessarily have the “best” rate. The lowest-rate loan typically involves the worst terms, not the best terms, even though the interest rate might look appealing. Here is a suggested definition of what constitutes the best rate for a business loan: the “best” rate is one which is associated with business loan terms that are not detrimental to the long-term financial health of the commercial borrower’s business.The concept of “trade-offs” will help small business borrowers when they are confronted by the “lowest” rate versus “best” rate decision. There are two primary definitions of “trade-off” that are relevant to the points made below:(1) Giving up one thing in return for another.(2) Balancing of factors that cannot be maximized at the same time.It is easy to see the concept of “trade-offs” in commercial real estate loan decisions every single day. The most common application is when a lower interest rate is given up in return for more favorable terms such as a longer business loan (25-30 years instead of 3-5 years). Because these trade-offs are by no means obvious to the typical small business borrower, perhaps the most important function that a business loan advisor performs for their clients is a thorough analysis and explanation of the various trade-offs involved in each commercial real estate loan that they provide.It is critical that this analysis involve more than just the underlying interest rate for each commercial loan program. In fact, one of the most important lessons to be learned from a thorough analysis of “trade-offs” is that the lowest rate is almost never associated with the best deal for the commercial mortgage borrower. As you might imagine, this is extremely hard for most commercial borrowers to understand and accept. Most commercial lenders take the easy way out and sell the lowest-rate loan to their commercial borrowers because it is an easier transaction, but this approach rarely results in the commercial borrower getting the business loan that they should have. An experienced business loan advisor will take the more difficult path which involves a more hands-on approach with small business borrowers to ensure that they understand all of the “trade-offs” associated with their business loan choices.Most borrowers think that they need the lowest possible interest rate without realizing what they are truly giving up in order to get that rate. As stated above, the loan terms given up in exchange for the lowest rate are usually much more valuable to the commercial borrower than the lowest rate.Copyright 2005-2006 AEX Commercial Financing Group, LLC. All Rights Reserved. </p>]]></content:encoded> <wfw:commentRss>https://mwmholn.info/small-business-loan-trade-offs-choosing-the-best-rate/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> </channel></rss> If you would like to create a banner that links to this page (i.e. this validation result), do the following:
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