Developing Your House With a No Equity Home Improvement Loan – Industry Home Improvement

Developing your homes for better comfort and privacy are one of the things homeowners would love to do, but they tend to be deterred by the financial issues they would face should they proceed with their plans. Even though there are many ways that they can secure financial resources, the majority of homeowners can be hindered by a multitude of requirements that lending institutions ask for and thus they have second thoughts and in many cases give up on their development plans. Also for renovation plans the same issue arises and so having a no risk financial and development program is certainly something homeowners crave for.A no equity home improvement loan is now being offered to homeowners who are interested in further developing their properties. This offer is ideal for those that want to improve or develop their properties such as the house, garage, gardens or other structures in the property to better the functionality and comfort. It is has a low risk factor, and this type of loan is a very effective solution for many.Is This Real?The characteristics of no equity home improvement loans financially and legal are commonly doubted by many people because of the obligatory situations and its profit issues. This said, what the homeowners should concentrate on with these kind of services is the interest of the home improvement contractors and organizations that offer this. The main is that no equity home improvement loans are specifically designed to address the interests of the homeowner by providing a solution for the financial problems encountered in their plans. This being the primary interest, no equity home improvement loans do offer an advantage to the aspiring homeowners in that they have a low risk investment opportunity.Supposedly, the loans are in part directed toward the financial and profit interest with regards to the risk for money lending, thus the loan’s interest should then be directed on the payment scheme of the loan and not on the equity of the property. This is so that contracting and obligatory payment of these financial transactions will be encouraged. The business organizations that are involved in this industry can actually get more business and profit for themselves from debtors by offering no equity home improvement loans. This great potential thus offers the benefit of not needing to put interest on the property’s equity.When you decide to look for a no equity home improvement loan [], as aspiring and potential homeowners you need to actually consider from number of packages offered and then compare the benefits of the offers with each other so that you can determine which one provides the most advantages with your interest in mind.The loan offerings will vary and some will even include additional benefits such as project materials, home improvement contractor and design plans which make them a complete package and thus could potentially mean less problems and cost. This aspect of no equity home improvement loans make it a very attractive financial solution in your favor as a homeowner wanting to develop your homes for better functionality, comfort or ambiance, and thus will make your homes more suitable to your needs.

Preparing For Your Career After an Online University Education | university education

Congratulations! You’re enrolled in an online university, taking your classes, and on your way to that infamous degree that will help raise your earning potential and give you multiple options for a career. Now, what’s next?Before beginning classes towards your online university degree, you probably gave a lot of thought to the area of study you wanted to pursue and what career path you wanted to take. And, if you’re like most students, you’ve probably changed your mind a few times along the way. Whether you’re certain of what job you’d like to have after graduation or if you’re still undecided, career planning should be something you continue to focus on throughout your online university experience.Develop a PlanMaybe you already know your career goals, but how do you get there? By developing a career plan you can focus on exactly what it is that you want to do and spell out the steps you need to take – relieving a bit of the anxiety of getting there.• Consider your interests, skills and strengths to narrow your career options down to just a few specific positions.
• Research the requirements needed for those positions. Do you need a specific online university degree? Experience from an internship? Additional training or certification?Explore Your OptionsAs technology and industries advance, the job market continues to change. Positions may exist today that you never even dreamed of before deciding to get your online university degree. That being said, it may be beneficial for all students to explore their career options prior to graduation.• Talk with your academic advisor or professors. These professionals are immersed in their fields and are constantly receiving the latest news on employment opportunities. Additionally, they should be able to give you personalized advice since they have seen your strengths and weaknesses throughout your university experience.
• Contact your online university’s career center. The people who work in this office are trained to think like a hiring employer, so they will be able to help you with everything from your resume to a job search. They know what positions are available in every field and may be able to help you determine what career best suits you.
• Review job descriptions on job search websites. There are a lot of online job databases out there and they all have very detailed descriptions of positions available, nationwide. With a little searching you can find salary range, training requirements and past experience needed for the jobs you find interesting.Get Prepared• Perfect your interviewing technique. Job interviews, like public speaking, can make anyone a little nervous. Practicing your interviewing techniques with professors, family, students, or other professionals can help prepare you and calm the jitters you may have prior to a big job interview.
• Create the perfect resume. A concise, organized resume is your key to getting an interview. Learn the necessary details to include and how to highlight your strengths in order to have the best chance of standing out. Have an advisor or someone in your intended career field read over your resume and provide you with constructive feedback.
• Draft a cover letter. A cover letter states why you are the best candidate for a position and serves as an opening to your resume. It should be very well-written and focus on your qualifications. To learn more about cover letters and resumes check out
• Make a list of personal and professional references. Many employers will ask for references of both a personal and professional nature. Usually relatives are not permitted to be references. Ask a few contacts ahead of time whether they would feel comfortable providing a reference for you, so that they are prepared if they are contacted.Start ApplyingNow that you have your online university degree, you’re ready to start applying for positions that interest you. Keep in mind that the process can be a long and sometimes frustrating one. You may have to spend many hours searching for worthwhile positions and then several more sending out resumes and cover letters. It may take weeks to hear from employers about your application, or you may never hear from them at all. It is important to stick with it, though. Here are some great resources for finding a new position after receiving your online university degree:• Contact your online university’s alumni association
• Local employment office
• Check your local newspaper’s want ads
• Browse online job websites
• Ask family and friends for any recommendations

Cheap Home Improvement Projects – Home Improvements Without Spending Anything – Industry Home Improvement

Home improvement industry has certainly expanded, dividing itself into hundred new categories which make it easier for us to plan and accomplish home improvement projects. But majority of home improvement projects are far more expensive than most of us can actually afford. There are a lot of people who do want to renovate their home, and also have very good ideas about it but they do not have enough money to carry on with their dreams. However, there are some very cheap home improvement projects that can definitely give a brand new look to your house and also boost its market value. And they do not cost much.Some of the cheap home improvement projects do not cost anything at all. On the other hand, there are some of these cheap home improvement will require a minor investment. All you need to do is to grab these cheap home improvement projects, get things working and bring a new look and taste to your house. Those of you who desperately want cheap home improvement projects to remodel their homes without spending a lot of money, they can do it by enhancing the outlook of their houses by gardening, painting walls with new colors, change covers of the furniture and sometimes can also give a new look to their living rooms by removing unnecessary things.More importantly, by following these cheap home improvement projects they can improve their walkways, kitchen and bathrooms, which play a very strong role in raising the value of your property, very easily by giving attention to small things, rather than planning highly expensive projects which cost hundreds of dollars just for buying the appliances and other essential equipments. By paying attention to less common things, I meant, “Polishing.”For instance, a very common example of a cheap home improvement project can be changing the covers of your toilet seats, installing some new cabinets in your kitchen and hanging new paintings on that looks nice and many other things. All of these definitely work and leave a long lasting impression on all kind of spectators. Well, it was just an idea of how to get cheap home improvement projects done and improve your home by using your mind rather than dollars. You can think about them with respect to your own house and taste. What is good for you is that you do not have to spend a lot of money and you still get a boost in real estate market.

University Exam Results – A Career Turning Point For Students |

Nowadays, the importance of a master degree and technical education need not be determined, because knowledge is the decisive asset for bright career. Every individual are estimating the importance and necessitate of university education; that is why they are supporting others to follow degree education in the finest universities in India.India is progressively being seen as an appropriate education hub because of a plethora of reasons. The chief parameters are high quality of education, affordable pricing structure of courses, intermingling mates, culture rich environment, inspire infrastructure, capable and experienced person faculties etc.India is prominent for its plump education structure and the prospects it includes to upright a winning career tree. It is for the universities in India that the business sector not at all suffers from unavailability of industry ready professionals. On the bases of university exam results may corporate companies arranged interviews quickly.The over abundance of universities in India makes it a necessity for population to refer to university list India. This is required to grasp an apt know how of the standings of different universities. With an innumerable of options in front of him/her any applicant is sure to get persuaded while choosing a suitable course.It is very important for students to correctly reckon their effectiveness, flaws, legerdemain and information base to find out the best suited subjects and course for them. When it comes to universities India, there are many a different kinds mainly being the government operated and the private ones of universities like deemed universities, national institutes, open universities, distance learning ones, etc.Among these factors, the kind of university that one wants to get admitted to is the most very important one. Students should always weigh on getting admitted into a precise university and make an objective statement. Universities in India offer an embarrassment of courses such as under graduate courses, diplomas, degrees, etc. In these courses, there are assortments of subjects in which one can choose to major. One should choose the subject very carefully to achieve better university exam results.There is plethora of job opportunity that is provided to the students of these universities. Appointment assistance is also given to the students to choose the career consistent with their own choice. The students who are studying far away can also go for the distance learning conducted by the university in order to get the degree.The performance in the qualifying test of the students decides the admission in the top university of the country. Some of the good quality universities only take up the score that is obtained by the students in the entrance examination. The students who are applying for the courses at the under graduation level must have passed 12th standard along with a percentage that has been determined as the cut off marks for the students.Likewise, if the candidate is to apply for the course in the master degree education then the student must possess the bachelor’s degree with the minimum university exam results that is required for the admission. Certain college and university have some seats reserved for the scheduled castes, scheduled tribes, other backward classes and physically disabled students.

Home Improvement Loans Available Now Up to $25,000 – Industry Home Improvement

Homeowners who are looking to improve both the aesthetics and the functionality of their homes should consider a home improvement loan that is available in amounts up to $25,000. Home improvement projects can not only add beauty to your home, but also add value to your home which is very important if you plan to resell in the future.Money For Any PurposeHome improvements loans can be used for any purpose of improving your home. Whether you are looking to do remodeling and updating or renovations to improve the appearance of your home inside or out. Lots of homeowner use it to add additions to the home such as a bedroom or bathroom, or even a sauna room, exercise room, or an activity room for playing pool and watching television. You might also be interested in putting down new carpeting, flooring, or upgrading your appliances and furniture.Borrowing On Your Home EquityIt will be secured in most cases by the equity that you have in your home. You can usually borrow up to or an amount equal to the amount you have paid on the home since you bought it originally. Many homeowners often borrow more than the equity in their homes. Most industry experts agree that for every dollar that you spend in home improvements, remodeling and renovations for your home you can expect to realize two dollars in return when and if you decide to put your home on the market.Getting Your Home Improvement LoanYour servicer will place a lien against your home in the amount that you borrow. The lien will remain on your home until you have repaid the lender in full. Most lenders offer very good rates of interest because they are assuming very little risk when they loan money against a valuable item, you home. The lender reserves the same rights as your mortgage lender to foreclose upon your home if you fail to honor your loan agreement.Before taking out your home improvement loan, you should determine the least amount of money that you need for all of the projects that you have planned. Be certain to borrow only the amount of money that you truly need to make your payments less each month, which will make it easier for you to repay your lender.Most of them are financed over a ten year term. Taking longer to pay will make your payments smaller but also increase the amount of interest that will costs you, and paying off sooner will make your payments larger but reduce the interest over the life of it.You can find great deals online. Online lenders tend to offer lesser interest rates and friendly repayment terms that easily fit into any budget.

Newman’s The Idea of a University | university education

Newman’s The Idea of a University advocates his ideas of university education seeking to guard against obscureantism in education. It deals with the basic principles concerning the site of the university, the aim of university education, the qualifications of the university teachers, and the ideals of liberal education. Newman also defines knowledge and differentiates between mere learning and knowledge.The basic themes of Newman’s approach to present the idea of a university are well known:• Knowledge is an end in itself, to be pursued for its own sake and not for some utilitarian value.
• The university is, first and foremost, a community of scholars, teachers and students devoted to the pursuit of truth.
• The core of the curriculum is the humanities which represent the highest attainment of cultivated minds.From a number of alternative formulations of the same idea given by Newman, we have selected his following statement to define the university. The University, Newman says,
“… is the place to which a thousand schools make contributions; in which the intellect may safely range and speculate, sure to find its equal in some antagonist activity, and its judge in the tribunal of truth. It is a place where inquiry is pushed forward and discoveries verified and perfected, and rashness rendered innocuous, and error exposed, by the collision of mind with mind, and knowledge with knowledge.”Newman does not define university in a narrow sense. Education in a university is not specific but general. “a University is not a birthplace of poets or of immortal authors, of founder of schools, leaders of colonies or conquerors of nations.” A university provides opportunity to acquire knowledge of different branches. In a university, students, prffessors and experts of varied discilpines assemble together and exchange their views, and thus acquire ‘knowledge’.Knowledge which is a pursuit of university is, according to Newman, a unified whole. It consists of all branches of Knowledge, as Newman says,”I have said that all branches of knowledge are connected together, because the subject-matter of knowledge is intimately united in itself, as being the acts and the work of the Creator.” (v) However, Newman differentiates between knowledge and mere learning. A single branch of knowledge is a mere learning. Thus, “all Knowledge is a whole and the separate Sciences parts of one”. Knowledge can be compared to tree with a number of branches. Different branches of knowledge are of equal importance, “They complete, correct, balance each other.”The university education is “Liberal”. Newman says that “the end of University Education,…[is]… the Liberal or Philosophical Knowledge… which…has a very tangible, real, and sufficient end, though the end cannot be divided from that knowledge itself.”There are two methods of Education-philosophical and mechanical. Mechanical education gives preference to instruction, and aims at immediate outcome of the process. Its scope is narrow.On the contrary, Philosophical education, which is much broader, denotes liberal education which Newman advocates for. It is not characteresid by physical instruction rather by the exercise of reason, mind and inner faculty, by the cultivation of intellect. Thus by liberal education Newman means the ethical sense or education or the moral vision needed for a person’s private, social, national and intellectual life. The function of university education, Newman points out, is to produce a group of people who are literate and cultured, to produce gentlemen who are full of common sense and who can master any situation. Newman’s notions about University Education or Liberal Education are anti-utilitarian. His approach is fundamentally against the Utilitarian view that education or anything must have a a sort of ‘utility’ or usefulness in pragmatic value that is it must have market value. Thus by the term Knowledge, Newman, in an anti-utiliterian way, means something abstrract, something intangible, something intellectul. As Newman says,” When I speak of knowlwdge, I mean something intellectual, something which grasps what it perceives through senses;…”However, Newman does not altogether deny the necessity of mechanical education. He says,”Let me not to deny the necessity, or to decry the benefit, of such attention to what is particular and pratical, as belongs to the useful and mechanical arts;” In presenting the liberal education, Newman argues that religion and science can not come into conflict, unless they are misrepresented or misunderstood. The aim of liberal education is to make a gentleman, not a Christian as Mill says, “Liberal education makes not the Christian, not the Catholic, but the gentleman. ” However, a Christian would be so much better than if he was gentleman also, because all the fields of human investigation are to be unified by the organizing concepts of theology, which is a science of its own kind.The university teacher, according to Newman, should be “eloquent, and is a missionary and a preacher” who will display ” his science in its most complete and most winning form”, and who will have “the zeal of enthusiasm” lighting up love in the “breasts of his hearers”. If we observe the background of Newman’s presenting the essay, we see that the word “Idea” has been used in the sense of “ideal”. The model which he urged on his Dublin audience, seeking their support, particularly financial, for the creation of a new Catholic university in Dublin, was that of the unreformed Oxford in which he had spent his formative years. Actually, one may claim, his was a Platonic ideal, divorced from practice.John Henry Newman, (21 February 1801 – 11 August 1890) was a Roman Catholic priest and Cardinal who converted to Roman Catholicism from Anglicanism. Therefore, it was no doubt that theology was at the core of his thinking and writing: the study of theology gets place at the core of his university curriculum. Newman’s vast bulk of theological writing is studied today by only the most esoteric of scholars. However, his great work, The Idea of a University, has stood the test of time.Now in order to conclude the essay we will mention two contrasting quotes. Samuel Johnson once said:”A writer is judged by his worst work when he is alive and by his best work when he is dead.”In contrast, Shakespeare had Mark Anthony say:”The evil that men do lives after them; The good is oft interred with their bones.”Newman is lucky that, in his case, it was Johnson who proved to be right, because after his death, even nowadays, The Idea of a University is being regarded as a plea for liberal education.

Wessex Garage Doors: White GRPs for Your Homes – Industry Home Improvement

How important are your garage doors? That is a question that you really have to think about. You must never undermine the quality of the garage door that you pick up. You never know when it might make the difference between you and your family’s safety against all the bad elements outside. Of course, it is also important that you get a door that can fit the design of your house. If you just decide on something without ever thinking about how it would look on your driveway, think of how much of a hassle it can be.When it comes to garage door choices, Wessex doors have to be highly regarded as one of the best in the industry. Since 1974, this Cardale Group-owned company has been based in Verwood in Dorset, Wessex and has established itself as a prominent name in door crafting. For this establishment, doors are not just something to be taken lightly; doors are an art form. When it comes to Wessex doors, they hand-made each of the products they build, making each one unique.Wessex garage doors are built from high quality materials like timber and steel. But the most durable material that they have will always be the GRP or Glass-reinforced Polyester. Even before this kind of material has been thought of as an element for doors, GRPs were more commonly used on motorcycles and boats. Undoubtedly, Wessex makes the best GRP doors in the market as they have mastered the craft of creating beautiful finishes that resemble that of woodwork. GRP combines the sturdiness of steel and the smooth finish of wood into an incorruptible element that can be quite dependable on the long run. It won’t rust like other metal-made doors plus it won’t need a lot of maintenance.Aside from the best GRP made products in the market, Wessex doors are also come in different designs. As mentioned earlier, this brand has made their doors unique from each other. In addition to that, these doors can come in different finishes. The most popular Wessex finish of course are the plain white ones. They’re classy, elegant and can be flexible enough to accommodate any design that your household exterior may have. So without a doubt. Wessex can deliver when it comes to providing stylish and durable garage doors.However, before you head out to your local home improvement store to grab hold of the first door at sight, make sure you have already determine the size of your garage, the style and color of your whole house exterior as these will all affect the overall look of your house later on. So, do your due diligence first.

The Lowdown On Getting Your Accredited Degree at Kaplan Online University |

The first thing you’ll note when you access the website for Kaplan University Online Educational program is the well laid out website. The immediate impression is favorable, but the reality is so much more than that.You are given the opportunity to tour the “campus”, or see the methods which are used for teaching, just as you might if you were to tour any normal university that you were considering joining. The online university at Kaplan is simply an excellent experience in both learning and interaction.Connected in Business
One of the most prestigious of the online colleges, Kaplan University has been around nearly since the beginning. Kaplan University was formed in 1937. Interestingly enough it is part of the family of companies and holdings of the Washington Post, and comprises the fastest growing part of that company.Quite literally, the levels of education and the courses of study that Kaplan Online University offers are too numerous to mention in our small amount of space. Kaplan University offers diploma, or certificated programs as well as degree programs that are well received in the working world, with many of their graduates having offers of employment prior to graduation.What is Kaplan’s Reuptation Like?
Kaplan is well known as a top range university around the country. Among those programs which are the most popular for students in attendance at Kaplan Online University Educational programs are:Certificate Programs

Corrections Certificate

Crime Scene Technician Certificate

Information Technology Certificate

Internet and Website Development Certificate

Introduction to Computer Programming Language Certificate

Legal Secretary Certificate
Associate Degree Programs

Associate of Applied Science in Accounting

Associate of Applied Science in Business Administration

Associate of Applied Science in Criminal Justice

Associate of Applied Science in Fire Science

Associate of Applied Science in Health Information Technology

Associate of Applied Science in Human Services

Associate of Applied Science in Information Technology
Bachelor Degree Programs

Bachelor of Science in Criminal Justice Administration and Management

Bachelor of Science in Environmental Policy and Management

Bachelor of Science in Fire and Emergency Management

Bachelor of Science in Fire Science

Bachelor of Science in Health and Wellness

Bachelor of Science in Health Care Administration

Bachelor of Science in Health Information Management

Bachelor of Science in Health Science
Master Degrees

Master of Business Administration

Master of Health Care Administration

NEW Master of Public Administration

Master of Public Health

Master of Science in Accounting

Master of Science in Criminal Justice
Your experience at Kaplan is designed to see you well prepared for the working world, and well prepared to meet your personal goals for your life and your occupation. Kaplan takes great pride in the quality of education that they offer, making it their mission to provide innovative new ways to help you to grow personally and educationally.Kaplan is well-rounded, offering you education in nearly any course of study that you might desire, and well-known for their great quality of education. Their affiliation with larger businesses is helpful and their rate of placement for Kaplan graduates is nothing short of impressive.Gaining a new level of education, changing your career, starting an entirely new career – whatever your goals, Kaplan University online can help you to achieve them; all that’s required once enrolled is motivation on your part to complete the course! Isn’t it time to take another look at what a little more education could do you for you? Kaplan Online University may be the answer to those questions you have about where you’re going from here.

Tax Season: What You Can Write Off If You Own a Home – Industry Home Improvement

Not many states were fortunate enough to escape the wave of foreclosures that has crashed the real estate industry during these past three years. The effects have spanned across many households and businesses throughout the country. The relevance to this post is that property taxes have experienced a significant increase in some areas. Prior to the real estate market crashing, property taxes were much lower than home retail values. Over the years, that gap has closed significantly and in some cases homes are selling very close to or below the assessed value. In addition to writing off property taxes, you can request your local county tax office to re-asses your property taxes especially if your home is located in a declining market area. Homeowners can substantially reduce their tax bill just because they own a home. Things that homeowners can write off are such things as: Real Estate Taxes, Home Improvements, Energy Credits, Mortgage Interest, Points, PMI, Withdrawals, from an IRA to purchase a home and Capital Gain.Real Estate TaxesYou can deduct the local property taxes you pay each year through your escrow account. Your lender will send you a form that shows the amount paid. You most likely reimbursed the seller for real estate taxes during settlement that they had prepaid for the time you actually owned the home. This amount will be noted on your settlement statement and this is what you include on your real estate tax deduction. You can’t use the payments into your escrow account as real estate taxes because they are viewed as deposits to cover future tax payments. You can only use the actual tax payments made from your mortgage account by your lender. Homeowners who purchased a home in 2008 and 2009, claiming standard deductions were allowed to increase their write offs by $500/Single Taxpayers and $1,000/Married Couples to account for part of the real estate taxes paid during the year. The break expired at the end of 2009 but may return for 2010.Home ImprovementsSave receipts and records for all improvements you make to your home, such as landscaping, storm windows, fences, a new energy-efficient furnace and any additions. You can’t deduct these expenses now, but, when you sell your home, the cost of the improvements is added to the purchase price of your home to determine the cost basis in your home for tax purposes. Although most home-sale profit is now tax free, it’s possible for the IRS to demand part of your profit when you sell. Keeping track of your basis will help limit the potential tax bill.Energy creditsCredits reduce your tax bill while deductions reduce your taxable income. In 2010, you can receive a credit for up to $1,500 for a 30% of an energy efficient door, windows, water heaters, insulation and high efficiency furnaces, insulation and central air units. There is also a separate credit of 30% of the cost of solar, geothermal and wind energy generating systems. This credit is good through 2016.Mortgage InterestHomeowners can deduct mortgage interest up to $1 million of debt used to purchase your home. Your mortgage company will send you an interest paid statement on Form 1098 all the interest paid during the previous year. That amount is deducted on Schedule A. If it’s your first year of owning a home, the interest paid from the date you settled on the home to the end of that month should also be included. Bring your Settlement Statement to your tax accountant and they will know where to find it. Basically, if you belong to the 25% tax bracket, a $1,000 deduction will basically reduce your tax bill by $250.00PointsIt costs money to borrow money. Obtaining a mortgage is no different. The charge you pay is referred to as “points” and is usually a percentage of the loan amount. If the loan is used to buy a home, the points you paid can be deducted as interest only if you paid enough cash at closing, including your down payment. An example of this would be if you had a $250,000 and you paid two points the costs would be $5,000. You can deduct those points as long as you put in at least $5,000 as a down payment or closing costs. This benefit is still available to you even if the seller paid for your points at closing.PMI premiumsPMI stands for Private Mortgage Insurance. PMI is usually paid by purchasers that put less than 20% as a down payment for a home. The purpose of this form of insurance protects the lender if the borrower fails to repay the loan. Homeowners were entitled to deduct PMI until the end of 2010. Congress has not extended as yet.First Time Home Buyers Withdrawing From IRA’s.Congress has waived the traditional 10% penalty for First Time Homebuyers who withdraw cash from their traditional IRAs before the age of 59 ½. You can withdraw up to $10,000 penalty free to buy or build your first home. You cannot withdraw every year and is only good for a one time withdrawal. Husband and Wife can each take from their respective IRAs penalty free. The money must be used to buy or build your first home within 120 days from the time it’s withdrawn. The first time home buyer rule is regenerated as long as you haven’t owned a home for two or three years in some states. In other words, you are considered a first time home buyer if you haven’t owned a home in the past two or three years depending on the state you live in. Roth IRAs is a great way to save for a first home. First, you can always withdraw your contributions to a Roth IRA tax and penalty free at any time for any purpose. And, once the account has been opened for at least five years, you can also withdraw up to $10,000 of earnings tax and penalty free to buy a first home.First Time Homebuyer Tax CreditIf you purchased your home in 2008 and received the $7,500 first time homebuyer credit, you must begin repaying the credit by adding $500 to your tax bill for the next 15 years starting in 2010. However, if you purchased your home during 2009 or 2010, you do not have to repay the credit unless that home is no longer your primary residence within the three years that you purchased. There are some exceptions to the repayment rule: It is waived in the case of death or if the home was damaged by storm or act of nature and you are forced to buy a home within two years you do not have to repay. In most divorce cases where a home is transferred to a former spouse, you do not have to repay. Members of the armed forces being deployed more than 50 miles away from the home for more than 90 days or more do not have to repay the credit.Washington, DC Homebuyer’s CreditFirst-time buyers purchasing in Washington, DC, get a federal tax credit of up to $5,000. That’s the same as having Uncle Sam give you $5,000 towards your down payment. Even if you own a home somewhere else, you can qualify. You qualify if the house you buy is the first one you own in D.C. In fact, you can qualify even if you have owned a home in D.C. before, as long as you have not been an owner for at least one year. Certain income restrictions apply, above $70,000 the benefit starts to fade out. Capital Gain If you make up to $250,000 of profit from the sale of real estate from a house you lived in for at least two of five years before you sold the house, you would not owe any taxes on the profit. If you are married, you can make up to $500,000 tax free.

5 Tips to Find the Best Online University for You | university education

Getting a university education online has become a very practical reality for people who cannot spare the time and commitment to enroll in a regular university on a campus. Today there are countless options for getting yourself an online education, depending on your specific needs and goals. Therefore making the right choice that will be most suited to your schedule and learning style as well as the course itself is of prime importance.1. Be clear about your needsDifferent people have different needs for getting an online education. Before you begin considering your options, do some introspection to determine what kind of education you seek, how you can schedule your online education to fit into your routine, how much time and effort you are prepared to spare and whether it is personal fulfillment or career advancement that you aim to achieve through the course.2. Investigate your optionsThe Internet is teeming with offers of online education for every conceivable purpose. So take the time to gather information about the options that suit you. Most schools provide free information kit on their education programs that can help you get a better idea of what’s in store if you choose to enroll with any of them. You have the option of conducting searches according to the type of courses you are interested in and colleges based on locations. Make sure you have a clear idea of the program being offered before you invest your hard earned money and time into any one of them.3. Be wary of scamsAs with all offers on the Internet, there is no dearth of scams that you need to be wary of when doing your searches for the right course. If you’ve heard about a course through a spam e-mail, steer clear of it. Fake degrees and credentials are plentiful and you’ll only be wasting your time, effort and money if you go with one of them.4. Look for accreditationAccreditation of the school or institute that you enroll in, is of vital importance. After all if the reason you are pursuing further education is to advance your career, the degree you will be earning needs to be recognized by your employers or prospective employers.5. What are the facilities being offeredDifferent online courses have different facilities to offer their students. Many offer services like tutoring, reference links, library access, technical assistance, discussion threads, interaction with fellow students and a variety of other features. Depending on the kind of study aids that are likely to benefit you, make your choice based on the kind of facilities you can avail once you enroll for a course.