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Valle Crucis NC Luxury Estate Qualifies For 1031 Exchange

$5,850,000

MLS Number: 50913

City: Valle Crucis, NC
Stories: 2
Bedrooms: 4 Baths: 4.5
Area: Boone-Blowing Rock, NC
Year Built: 1990
Plus Five fully furnished 1,400 sq. ft. Rental Cottages. Each built in 1996 on approx. 1/2 acre sites. Current cottage average annual rental income $150,000.

39.4 acres with 360 degree view of Blue Ridge Mountains.

5,200 sq. ft. main house built in 1990 on 1.24 acres.

No restrictions and no zoning offer many other options:

* Family compound
* Corporate retreat
* Religous retreat
* Horse farm / Dude ranch
* Recording studio
* Cottages can be sold separately
* Land can be further subdivided if desired

Contact Elizabeth Carter, 336.973.5594 or Greg Stikeleather, Broker, 704.880.5247 or email eacarter@charter.net

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Home Insurance For The Self Employed

SOHO stands for Small Office, Home Office and it’s used to refer to people who work from home (sorry it’s a boring explanation). With the cost of business premises still high even though the housing market is in free fall, it’s natural to base start-ups in the spare room and the garage for storing inventory. With computers, people can easily work from home. Employers cut their expensive office overheads by having their full-time staff telecommute. The self-employed freelance or run e-commerce sites.

Unfortunately, most people never think about home insurance. They have their home insurance policy but never read the small print. The bad news? The majority of policies either exclude or limit the cover for people who telecommute or operate a home business. Let’s deal with your boss offering you the chance to work from home. That’s great for you, saving all that money in gas or bus fares to travel to work. But if your boss gives you a computer, router and other office equipment, make sure the business insures it all. If not, you’re likely to find a burglary expensive. Your home insurance probably doesn’t cover any property belonging to someone outside the immediate family. So who’s going to pay for all the missing kit?

The answer is to add an endorsement to your existing policy and to pass the additional cost on to your boss (you can sell this because your personal endorsement will be less than the business insurance cost). If it’s your own business, how much is all your equipment and inventory worth? Even if some of the value is covered under your home policy, there’s almost certainly no cover if you take any of it outside the home. Worse, there’s no liability cover so if anyone is injured whilst dealing with your business, you’ve just discovered the joys of self-insurance. You’ll be pleased to know there are options.

If your own business is small scale, add an endorsement to your policy (sometimes called permitted incidental occupancies). But if the business is more substantial, there’s no substitute for a work at home business owners insurance policy. It’s more expensive but, because it offers strong liability cover against all claims for loss caused by the operation of your business, it pays for itself in the long run. You can use online quotes to find the best homeowners insurance for your needs.

Be Imaginative With Your Next Loan

It is not a secret that everyone has to have a job in order to get money, because with money, we can get everything to fulfill our needs. But nowadays, it is not easy to get a job, because there is competition in every field of the life, and usually the competitors have one move ahead than us.

But don’t worry, where there is a will, there is a way. If you have problems in finance, just visit these alternative solutions.

If you have a will and skill but you don’t have money, don’t worry, because there are ways to overcome your problem. You can get a easy payday loan or cash advance which these resume of the best ones has made in our blog, so you can choose the best and suitable with your problems.

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87.5 Acre Mountain Subdivision, West Jefferson, NC

WEST JEFFERSON NC MOUNTAIN PROPERTY

87.5 +/- Acres Available For Residential Subdivision Mountain Development, 7 miles from West Jefferson, NC

Paved Road and Bridge Built To State Specifications.

Average of $23,000 per acre.

This Property Should Retail For Approximately $50,000 to $60,000 per acre.

ALL PROPERTY HAS LONG RANGE MOUNTAIN VIEWS

Contact Greg Stikeleather, Broker, 704.880.5247

or

email Greg at grstike@charter.net

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Discrimination In Health Insurance Premiums

According to the New York Times, there is a real difference in the premiums paid by men and women of the same age for the same health insurance terms. The differences can be many hundreds of dollars. Even in an economy that was booming, it would be difficult to justify this price discrimination. But as the US appears to be entering a more difficult time and some people are even using the “r” word, the victimization of women in this way should be an urgent priority for the new administration to address when it takes over the White House in 2009. It’s not enough to talk in general terms about the rising costs of health insurance at a time of rising employment.

Various proposals talk of offering tax credits or other assistance to help in buying or maintaining private cover. But this does nothing to address the historical injustice. Giving a woman the same tax credit as a man simply means she continues to pay more than a man. When challenged, medical insurance companies tend to assert that women make more use of medical services and make higher claims. But the evidence shows that most medical insurance policies exclude maternity care – in fact, maternity care is usually offered for a substantial increased premium.

So what does it come down to? It seems women take more care of their health. They visit their doctors more often to have regular check-ups, are more conscientious when converting their prescriptions into medication and then actually take the drugs. Whereas, men care less about their health and resist having treatment. No matter where you live, women are charged higher rates of premium. The rates vary from one state to the next with some companies demanding up to 50% more for the same cover. Because of the general problems affecting the economy, it becomes all the more important to shop around before picking a new medical insurance company or deciding to renew an existing policy. Just as important is the need to join a political campaign to prevent health insurers from using sex as a factor when fixing the premiums. There are anti-discrimination laws to protect people in the workplace and other areas of their lives. The same should apply when everyone seeks medical insurance.

Lake James Burke County NC Waterfront Home

Vacation property, an investment for retirement or a permanent residence, this Lake James waterfront home may be your dream property.

The beautiful water front home is located in a private community with spectacular views of the Blue Ridge Mountains. It has a double deck boat dock, an enclosed boat garage and a private ramp to launch your own watercraft. The home was built originally in 1972 and totally renovated in 2002. A four car detached garage was built in 2002.

There is a total of 264 ft. of water front. Beautiful three tier sea walls accent this elegant home. Hard wood and tile floors, modern appliances and vaulted ceilings are only a few of the amenities that capture you with this home.

Private dock permit.

List Price: $1,800,000
Flexibility: Willing to finance
Acreage: .75 acres
Type: Waterfront

Floors: 2
Bedrooms: 4
Bathrooms: 4
Sq. Footage: 3700
Garage Size: 4.0
Year Built: 1972, totally renovated in 2002
School District: Nebo

Suitable Use: Residential

Topography: Rolling
Road Frontage: Private Road
Location: Lake James, Burke County, NC

Amenities: Waterfront, Fireplace, Central AC, Alarm, Wood Floors, Gas Range, Patio, Wheelchair Accessible, Nature/Bike Paths, Boating, Controlled Access, Spa/Jacuzzi

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Seeking The Best Terms For Your Next Car Loan

Do you want the best terms for your car loan? Of course you do. So stand up for your rights! The Federal Government doesn’t often cover itself in glory. It usually caves into the interests of Big Business. But, with the Fair Credit Reporting Act (FCRA), Capitol Hill actually did something useful for the consumer. There are three national credit data collection agencies – Equifax, Experian, and TransUnion. The FCRA says they have to give you one free copy of your credit report every twelve months.

So what’s in a credit report? Well, it’s basic information on where you live, how well you look after your debts, and whether you’ve been arrested or sued, or filed for bankruptcy. As a package, it’s on sale to banks, finance companies, employers, landlords, etc. To get a copy of your report, don’t approach the companies directly. Use annualcreditreport.com. It may be more useful to get one report from each of the three companies every four months.

That way, you get free updates as the year goes by. If you find anything wrong, the FCRA gives you the right to have it corrected. Don’t forget. Any score less than 550 means you’re not going to get the best loan offers. Anything you can do to improve your score will save you dollars on your car loan.

Wilkes County NC Luxury Home

This beutiful luxury home is located in Wilkes County North Carolina. Nearby is a major university — Appalachian State in Boone, NC. You will also experience a convenient drive to shopping and dining in Winston-Salem, NC; a short ride to the ski mountains — Appalachian Ski Mountain, Beech Mountain and Sugar Mountain; and just over an hour’s drive from three popular NASCAR tracks — Lowes Motors Speedway, Martinsville and Bristol Motor Speedway.

Because of its proximity to the Blue Ridge Mountains, Wilkes County offers a wealth of quiet beauty without the rush, the concrete, the noise and the traffic of larger, metropolitan communities. Just 80 miles from Charlotte, 45 miles from Winston-Salem, 45 miles from Hickory and 35 minutes from Boone, Wilkes County is an ideal location for those looking to escape the fast paced world of city living, yet close enough to commute for upscale dining, shopping and healthcare opportunities. Wilkes and surrounding counties are famous for an abundance of North Carolina Christmas Tree farms, motorcycle riding, hiking, canoeing, fishing, swimming, mountain biking, horseback riding, skiing, golf and much more.

MLS Number: 52935

List Price: $759,000
Bedrooms: 6
Full Baths: 4
Half Baths: 1
Est Total SqFt: 5265
Type/Style: Two Story
Area: Area 3
Middle School: West Wilkes
High School: West Wilkes
Construction: Stucco,Solid Brick
Foundation: Basement
Roof: Shingle – Composition
Floors: Tile, Hardwood

Garage/Carport: Garage-Double Attached, Garage-Double in Basement
Interior Features: Smoke Detector, Ceiling Fan(s), Master Bedroom, Main Level, Large Master Bedroom, Walk-In Closet(s), Hardwood Floors, Basement, Fireplace(s), Gas Logs, Dining Room, Rec Room, Cable TV, In-Law Quarters, Handicapped Design
Exterior Features: Patio/Deck, Private Yard, Level Lot
Subdivision: Canterbury Estates
Lot Size: .68

Apx SqFt: 3400 +
Basement: Full, Partially Finished

Contact Elizabeth Carter, 336.973.5594 or Greg Stikeleather, Broker, 704.880.5247 or email eacarter@charter.net

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Using OneNote

OneNote 2007 Essential Training

OneNote was first introduced as Microsoft OneNote 2003 a few years back. In its latest form, Microsoft OneNote 2007, the application is even more feature-rich than before. OneNote offers the flexibility of a paper notebook and the power of digital note taking tool.

OneNote has the ability to provide digital assistance for the use, performing specific tasks such as brainstorming, storyboarding, and minutes taking. For work at home types, it?s a handy tool, particularly if you deal with lots of paper, research documents and notes.

Just about anything else in an office-type environment, home, or while on the go (with a laptop) can, in some fashion, be automated with the software package.

OneNote 2007 includes one important feature that allows the user to import an image, such as a scanned document, saved in JPG, BMP, GIF, or PNG format. Then, OneNote does an on-the-fly optical character recognition (OCR) of the image.

For most documents, an image scanned into OneNote 2007 will result in recognizable text which is then available for you to copy-and-paste, either elsewhere or on the same page, or even into Notepad, Wordpad, or Microsoft Word.

Power One Note: Unleash the Power of One Note

As with all other Microsoft products, OneNote 2007 has it’s own blog devoted to full use of it’s features, along with a number of templates available free of charge.

OneNote integrates in near seamless fashion with Microsoft Outlook. You will find that during the install process, OneNote automatically adds a button to the Outlook toolbar. Clicking the button will allow you to export email or other Outlook items directly to OneNote. And, for further functionality, a user can create Outlook appointments in OneNote, then easily add the appointments to Outlook through OneNote.

After using OneNote for many years, I am of the opinion that I don’t want to be without this useful application. OneNote is an integral part of the Office2007 software suite or can be purchased separately here.

One further note, I found the book shown above to be of great help, allowing me to get the most of this application. As with other Microsoft products, the software is so featured packed that without some form of reference, I couldn’t have possibly discovered all the neat and useful features.

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