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Quantum - Data Storage - Data Storage Solutions shop solutions service and support Looking for a convenient way to buy backup accessories? The Quantum Store features media, barcode labels, tape drive bezels, cleaning cartridges and more. shop.quantum.com (U.S. Only) Quantum delivers superior backup, recovery and archive solutions that meet your specific business needs. Home Office Small Business Medium Business Data Center Industry Solutions Compliance Quantum Global Services provides comprehensive service and support to protect your investment. StorageCare Guardian Software and Documentation FAQs Service Offerings Product Registration Introducing the NEW Echelon DX5000 and DX3000 Disk-Based Backup Systems The Echelon DX3000 and DX5000 disk-based backup appliances are designed to increase reliability and performance and expand customer choices for backup and recovery within small-to medium enterprise, workgroups of all sizes and remote office environments. The new Echelon DX3000 and DX5000 appliances offer maximum flexibility for diverse business environments, a differentiated feature set, and a wide range of capacities and price-points that can be matched to almost any budget. Learn More About the DX5000 Learn More About the DX3000 quantum headlines quantum events 12/14/2005: QUANTUM SUPERLOADER 3 WITH NEW DLT-V4 TAPE DRIVE DELIVERS HIGH CAPACITY STORAGE AT UNPARALLELED OVERALL CUSTOMER VALUE Get Full Story 12/05/2005: QUANTUM ANNOUNCES COMPREHENSIVE, MULTI-LAYERED DATA SECURITY FRAMEWORK FOR BACKUP, RECOVERY AND ARCHIVE Get Full Story View Last 10 Releases Storage Expo France 11/23/2005 - 11/24/2005 Stand I10/J7 CNIT, PARIS La Défense, France Event Website CeBIT 03/09/2006 - 03/15/2006 Hall 1, Stand 7i13 Hannover, Germany Event Website View All Events products Quantum tape libraries deliver high availability, superior performance and infinite scalability in medium size business, workgroup and data center environments. Quantum disk-based backup systems, featuring Optyon™ In-line Data Compression, perform backup and restore in less time with superior reliability. Quantum autoloaders provide an affordable and reliable entry-level backup solution, as well as, eliminate costs and downtime by automating your backup process. Quantum DLT®, LTO, DAT/DDS and Travan tape drives provide proven, highly reliable, and cost-effective solutions to help information-intensive companies protect their data. Quantum media provides you more choices to better manage your data over time. Media options include DLTtape®, LTO Ultrium, DAT, DDS and Travan. Contact Us | Feedback | By using this site you accept our terms of use | Safe Harbor | Privacy Policy | © 2005 Quantum Corp
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Buying Property Abroad - Property Abroad for Sale Properties Abroad - Buying and Selling Property Abroad - 20:42:59 GMT Home | Contact | About Us | Viewing Properties | Purchase Procedure | Selling? | Work With Us | Resources | Useful Contacts | Exhibitions | Investment & SIPP email us: call us: +44 (0)20 8920 5260 UK local call: 0845 644 7611 Buying a property abroad? Search by Country, Region, Town, Reference or property name... Customise our site to show... Set Currency to -- Browse by Region -- SPAIN TURKEY FRANCE PORTUGAL CYPRUS MOROCCO EGYPT FLORIDA DUBAI -- Pre-release Investment Opportunities Please register your interest with us if you would like to be kept informed of any land or off plan property investment opportunities the moment they arise. Such investments offer rapid high returns. Please provide us with... NAME ADDRESS DAYTIME CONTACT NUMBER EMAIL INVESTMENT BUDGET MAXIMUM pureinvestment@propertiesabroad.com Thank you. Carol Mann Sales director SIPPS - Residential Property and Pensions It is now possible to purchase residential property in both the UK and overseas utilizing a Self Invested Personal Pension (SIPP) as long as completion does not take place before 6th April 2006. This means that your pension can buy property off plan today. The main requirements are as follows: The property must satisfy the lawyers and trustees in respect of due diligence ie the property or development must satisfy the necessary legal requirements such as planning permission, legal title, building licenses etc If let, the property should be managed by a professional letting and/or management company For property located in the UK, the income (rent) received will be free of income tax, and on the future sale of the property there will be no capital gains tax on the profit. For property located overseas, the tax position is yet to be fully clarified, but it is anticipated that there will be an element of income and capital gains tax that cannot be reclaimed if the purchase is overseas and that countrys tax regime dictates that income and capital gains tax is chargeable on investment property. The precise position in relation to taxation will be clarified later this year. Your SIPP will be able to borrow up to 50% of the total fund to assist with a property purchase. However, most trustees will require absolute certainty that the monies will be available in your pension fund at completion. This could be in the form of an unconditional mortgage offer at the time of paying the deposit, or a certainty that you or your company will make a contribution in the next tax year (when contribution limits and subsequent tax relief is greater than in the current tax year). It is also possible for individuals to collectively purchase property with other individuals pension funds. This syndication is straightforward and enables people who have smaller pension funds to pool resources. Some practical points if you dont already have all your funds in the right type of SIPP: You may have several pension schemes with a number of different insurers. Before you can consider a property purchase, you will need to transfer some or all of your pension funds to a SIPP with a company who have confirmed that they will allow you buy residential property now. In order to avoid any delay, and ensure that you buy your chosen property at the best possible price, it is possible for you to pay a reservation fee and initial deposit(s) from your own resources, and the property to be purchased from you, by your pension after April 2006. This will enable you and your adviser time to affect the necessary transfers to the SIPP to ensure that funds are available before completion. You will of course need to ensure that you will have sufficient monies in order to complete the transaction and cover all anticipated costs. Please ask us for further details if required. When the pension purchases the contract from you, this may create a chargeable event (we anticipate that the property will have increased in value between now and next April) and hence you may be liable for capital gains tax. This could be an opportunity for you to realize gains within your annual CGT exemption. For example, a purchase at one of our golf resorts would currently cost approximately £125,000. Assuming that prices increased by 6% between now and April 2006, the market value would be £132,500 and this is the price that the pension would have to pay. This would create a taxable gain of £7,500 which is within the annual exemption and would be tax free (assuming that you have made no other gains in the current tax year). If you purchase the property jointly, you could make gains of up to £17,000 without paying any capital gains tax. This gain could be invested in your pension in the next tax year (as a contribution), and enjoy tax relief. For a basic rate taxpayer, this would gross up to £9,615 and for a higher rate tax payer, £12,500. Hence, by acting now, you could effectively fund around 10% of the purchase price with some simple yet legitimate tax planning. If you have high earnings, paying tax at 40% (and available capital now), rather than paying £125,000 for a property, you could, through pension contributions post April 2006, pay as little as £67,500 for a property purchased today at £125,000 by a combination of the above, and the higher rate relief available on your post A day contribution. This equates to an immediate gain of 54%. You need to accept that the actual structure of the purchase and precise taxation implications have yet to be clarified for overseas property. It is confirmed however, that the purchase can take place, provided the property is deemed by the trustee to be suitable. Syndication We believe that there will be a great demand for collective property purchase, for people who want to combine a sound financial investment with the ability to use a property abroad for occasional personal use, but dont have sufficient funds in their own plans. For an additional fee, you can syndicate with other people to jointly own property and pool your resources. These other people could be family members, friends or colleagues. Because of the charges and other practical implications, we anticipate that this will be available to people who have a minimum fund value of around £25,000. Beneficiaries on death do not have to be the other syndicated owners, but the relevant documentation needs to be in place to deal with things like retirement and death in much the same way as company directors effect a shareholders agreement to clarify these issues. If you would like an information pack on SIPPs please call our office. Global properties Contact us for further information © 2005 Properties Abroad
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Buy Property Abroad - Your House Abroad - Real Estate Investment - Holiday Homes Buy Property Abroad - Your House Abroad - Real Estate Investment - Holiday Homes Search the site: This Ring The Ring Directory for: Home | Join The Ring | Ring Homepage | Visit Random | Contact Ring Owner About the Ring Quality Control Powered by RingSurf RING DESCRIPTION: Sites of interest for those who wish to buy a property abroad, either to buy a home, house, apartment abroad or to rent. Where are we interested in? France, Bulgaria, Montenegro, Cape Verde, Morocco, Slovenia, Baltic States (Lithuania, Latvia, Estonia), Spain, Portugal, Italy, USA, ... well anywhere in the world really. We are particularly interested in personal stories and experiences, but also welcome sites which are selling houses abroad. RING STATS: There is(are) 9 active member(s) in this Ring 0 prospective member(s) is(are) waiting for Approval in the Queue View the Stats for Buy Property Abroad - Your House Abroad - Real Estate Investment - Holiday Homes ring This ring was started 2005-09-29 17:56:39 Ring Members Member sites of the Buy Property Abroad - Your House Abroad - Real Estate Investment - Holiday Homes Displaying from 1 to 9 of 9 : -------------------------------------------------------------------------------- Hit counters started November 27, 2003. 1 . Your House Abroad in Montenegro Join Date: September 29, 2005 Information on buying a house abroad, including Montenegro 2 . 123 Sudoku Join Date: October 08, 2005 Sudoku is a great thing to do whilewaiting for planes and travellingto your home abroad. There is lotsof info, games, links, books etc at this site. 3 . Cape Verde Property Join Date: October 20, 2005 Cape Verde - jewel off the African CoastInformation and links about buying a property abroad in Cabo Verde 4 . Your House Abroad Join Date: September 29, 2005 A `One-stop shop' to buying and rentinga house abroad, especially France, Bulgaria, Montenegro, Cape Verde and everywhere! 5 . Buying property in Bulgaria Join Date: October 20, 2005 Information and links about buyingBulgarian properties - EasternEurope's hotspot for investment 6 . Travel Logo ImDoku Join Date: October 20, 2005 Play Sudoku while booking yournext holiday abroad - really it'strue! Just look. 7 . Property in Spain Join Date: November 18, 2005 Spanish Property for sale - Costa del Sol Property and a wide range of properties from Spain, and around the world.Insight Spain offers a free and independent service to help you find the property of your dreams. We are not estate agents and represent YOU, the buyer, at all times.We have access to the best new developments, resales and property bargains and whatever your requirements well find your ideal property 8 . France - our experiences Join Date: October 20, 2005 Our story - a description of what wewent through in buying our houseabroad in France. Also, useful information. 9 . Melda Ozden Join Date: November 16, 2005 Estate agent in Koycegiz, Turkey. Land, houses and villas for sale. Privacy Statement | Terms of Service © 2003-2004 RingSurf.com Web Design Toronto
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Home Page Company Info Events/Calendar Financial Information Careers Newsroom Washington Update Publications Resources Benefits Eligibilty Becoming a Member Capital Plan Member Profiles Member Directory FAQ Credit Products MPF Program Securities Services Grant Programs Credit Products Initiatives Applications Procedures Monthly Semiannual History FAQ Disclosure Search Welcome to the Federal Home Loan Bank of San Francisco Cost of Funds Index October 20053.074% Announced November 30, 2005 Login Username Password Online Security Success Stories Cedars Bank Enjoys Flexibility of CFI Program Provident Finds MPF Program to Be Viable Secondary Market Option United Labor Bank Creates Customer Loyalty A WISH Fulfilled Highlights AHAC Members Announced D. Tad Lowrey To Join Board 2005 Director Election Results Bank Reports Third Quarter Results Bank Announces $20.2 Million in 2005 AHP Round B The Bank awarded $20.2 million in Affordable Housing Program (AHP) grants in 2005 Round B. The funds will support 53 projects, generating 2,938 affordable housing units in Arizona, California, Colorado, Nevada, and Texas. Read More... Homeownership Program Workshops Coming In January The Bank will host six workshops about our homeownership programs, the Individual Development and Empowerment Account (IDEA) and Workforce Initiative Subsidy for Homeownership (WISH) programs. Read More... MPF Program Orientations Set For 2006 Want to learn more about the MPF Program? The Bank will host "Getting Started with the MPF Program" on three dates: January 19 in Los Angeles, June 15 in San Francisco, and November 9 in Phoenix. Read More... Temporary Suspension of Income Limits for Affordable Housing to Aid Hurricane Evacuees In response to the aftermath of Hurricane Katrina, the Federal Housing Finance Board has approved a temporary suspension of income limits to allow vacant AHP-assisted rental units to be rented to households, regardless of income, who were displaced as a result of the storm. Read More... Third Quarter 2005 Report Now Available On November 14, 2005, the Bank filed its third quarter 2005 financial report on Form 10-Q with the SEC. The Bank also declared a dividend for the third quarter of 2005 at an annualized rate of 4.58%. Bank Reports Third Quarter Results On November 4, 2005, the Bank announced selected financial results (PDF) for the third quarter of 2005. Bank Announces Projected Dividend Rate On September 27, 2005, the Bank announced its projected dividend rate for the third quarter of 2005. Read More... © 2000-2005 Federal Home Loan Bank of San Francisco
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Should I buy an investment property or rental home? Investment Property or Rental Home Calculator Home | About Us | Have Us Call You | Free Mortgage Analysis | Apply Online | Find Realtors | Learn | Help Get Started Apply Online Apply for your mortgage online! We'll call you tomorrow to confirm the receipt of the information. Have Us Contact You Rather have a personal touch from the start? Have us contact you to start the process. Secured by click for information INSTRUCTIONS This calculator is designed to provide a guide to possible financial outcomes of the purchase and rental of an investment property. After entering your values, click once in any result box to calculate or update your results. ENTER TRANSACTION DETAILS HERE Purchase Price $ Homeowners Insurance $ Down Payment $ Yearly Taxes $ Loan Interest Rate % Monthly expenses/ Maintenance fees $ Loan Term in Years Monthly Rental $ Rent Increase Yearly % Inflation (for ins, taxes, expenses) % Your Gross Income (for tax calculation) $ Property Value Growth (real estate appreciation) % RESULTS Loan Amount $ Monthly Payment $ INCOME Year 1 Year 2 Year 3 Year 4 Year 5 Rental Income EXPENSES Insurance Taxes Monthly Expenses/Fees Total Payments Total Expenses CASH FLOW Cash Flow TAX DEDUCTION Interest Expense + Depreciation* + Ins, Tax, other expenses - Rental Income Total Tax Deduction TAX SAVED ** NET WORTH After Tax Cash Flow Principal Paid (est) Property Value Yearly addition to Net Worth Assumptions: * 27.5 yr straight line depreciation, deduction may be limited with high gross income. Depreciation is based on the value of the home without the land. In this calculation we are allocating 10% of the purchase price to the land and the remainder to the residence. ** 2001 Federal Filing Status Single (most conservative tax rate) Keep in mind that your tax deduction may also be limited with an adjusted gross income over $100,000. See your tax advisor for details. Sound good? If you'd like a pre-approval to go home shopping, apply online now. Click Here to return to the calculator main menu.