Condominium Ownership Document And Address Registration Tabien Baan

Foreigners buying a condominium in Thailand will receive 2 official government issued documents related to the condominium.

1 the condominium ownership title deed
2 the condominium house registration book

Each condominium unit has a unit title deed issued by the Provincial Land Department or its branch office and a Tabien Baan or House Registration Book issued by the local municipality.

The condominium unit title deed is the official ownership document and its use id proof of ownership. The apartment’s house book primary use is registration of the unit and it’s address and verification and registration of a Thai person’s address living in the condominium.

The normal house book issued for each address in Thailand is the blue version of the Tabien Baan. Foreigners owning a property are usually not registered in the blue book as owner or resident. Opposite Thai nationals foreigners often have an empty blue house book.

There is a separate version of the Tabien Baan for foreigners, the ‘yellow book’. It is possible for foreigners to exchange the blue book for a yellow book if the foreigner meets the requirements for the application. The required documents for a yellow book vary per location but usually require a non-immigrant visa and an ownership document such as the condominium unit title deed, but could also include a work permit or marriage certificate.

A yellow book is unusual in Thailand and it is not necessary for foreigners to exchange the blue book for a yellow book. The majority of foreigners have the blue book together with the ownership unit title deed.

Even though the foreigner is not registered in the house book foreigners usually proof their address through the Tabien Baan and the condominium title deed, or obtain a separate ‘letter of residence’ from the local immigration.

Overall compared to the ownership title deed the house book is not an important document and there is no need for foreigners to exchange a blue for a yellow book.

Pg Real Estate Extended Its Functionality With 2 New Modules

Script for creating a Real Estate Website PG Real Estate was enriched with 2 new modules:

* Newsletter Module is a powerful marketing tool that will allow you to easily design HTML or text based newsletters and send them out to your site members. Site members are segmented into different mailing lists automatically according to their type (Private Person, Real Estate Agency or Agent of Real Estate Company) so that you could make effective targeted mailing informing your site members of promotions, site news and more.
* Mortgage Module will add a new section to your Real Estate Site – Mortgage Section. You will be able to provide your site visitors with current mortgage rates, built-in interactive calculators, mortgage tools and information. Your site visitors will be able to apply online, filling in application forms. Applications forms are compatible with Calyx Point and Fannie Mae LOS.

Now beside basic functionality PG Real Estate has 3 add-ons: new Newsletter Module and Mortgage Module and a module that was released earlier – Advertising Campaigns module.

For those who purchase PG Real Estate with All Modules, there is Special discount provided.

Pune Real Estate Market

The real estate market of Pune is going steady and smooth if compared to other cities, where both residential and commercial property graph is going downwards. While everywhere the experts are expecting a doom in realty, Pune seems to be confronting the forecast.

Perhaps, as Pune was never a mainstream real estate destination, it never saw a huge decline in realty prices. The slump was there in the city but it was only for a short period of time. There are various reasons why Pune has now emerged a preferred real estate destination.

As the IT industry drives the real estate demand in the city, first home sales constitute a major chunk of transactions happening in Pune. In this city, there is always a steady demand for property in Kalyani Nagar and Baner, which are close to two major IT hubs in the city. Besides the IT and BPO industry, the student population living outside their campuses are also responsible for fueling demand for housing in Pune.

Renowned real estate developers in Pune are of a view that the Pune property prices are on the move for a sharp drop. But real estate agents and the local industry experts in the city don’t think that there will be any recession in Pune real estate industry at least in the next 10 years. And Pune real estate developers also assert that the demand is stable and exceeding supply.
At present, Pune real estate market is one of the most active segments in Western India. Private realty players as well as local property builders and civic authorities are pouring in more investments in the city.

According to the latest realty market reports, commercial realty in Pune fetches about 20-25% returns on investment. This makes the city the most favorite and a preferred destination of investors.

The residential property segment is equally upbeat at this point of time.

The buzz has not only been created by the commercial real estate market of Pune but also by the residential realty market. In the residential front, the focus of real estate developers is on affordable housing. Major real estate developers like Kolte-Patil, Gera Properties have announced the launch of affordable housing projects in the city. These developers are planning to build one-room set and two-room set accommodation that costs between Rs 10-15 lakh.

Real estate developers in Pune are now also focusing on the bordering areas of Pune. The city centre boasts of high capital and rental values. Therefore, most of the buyers are now looking for affordable accommodation in the suburban and bordering areas. And, real estate developers are trying to cash in on this behaviour of the property seekers. Property in areas like Kothrud, Vanwadi, Oundh are high in demand. All these areas were earlier the extension of villages but are now they are the hub of property development.

Now, the residential real estate market of Pune is all set to reach newer heights. As per the industry estimates, the city needs almost 40,000 residential properties every year to match the housing demands of its citizens.

Considering that, the Maharashtra government has now given a green signal to private real estate players for setting up fully integrated townships in Pune, under the Public Private Participation (PPP) model.

To cash-in on this opportunity, Pune-based developer, City Group has come forward with its township project Amanora Park Town, the first project after the governments declaration.

Under this project, the land would be provided to the developer by the government, who would then build up all the infrastructure comprising residential units and commercial properties. The developer will also be responsible for developing the social infrastructure encompassing healthcare centres, educational institutions, and entertainment facilities within the city.

The Amanora Park Town would be developed in the area of about 400 acres at Hadapsar with all the aforementioned infrastructure and facilities.

According to the real estate agents, demand for medium budget residential properties in Pune is continuously increasing.

Some other real estaet projects coming up in Pune:

1.Greensville Sky Villas in Kharadi by Gera
2.Bloomfield in Ambegaon by Amit Enterprises
3.Regent Park in Baner by Gera
4.Emerald City in Kharadi by Gera
5.Princetown in Undri by Kumar Properties
6.Sobha Carnation in NIBM Kondwa by Sobha Developers
7.Picasso in Hadapsar by Kumar Properties

What are Your Options To Paying off your Mortgage Early

In the real estate market, there are plenty of ways to pay off your mortgage so that you are not saddled with debt for a long time. If you are looking to avoid thousands of dollars in interest, then investigate ways of getting rid of your high house payment.

Americans pay millions of dollars in interest each year due to mortgage payments. Remember that the amount of interest you pay is proportion to the principal balance of the money you borrowed. This means that if you get your principle down, then you will not have to pay as much in interest.

To pay the amount you owe early, many people pay their mortgage payment every two weeks instead of every month. Since there are fifty weeks in a year, then you will be making twenty six half payments or in other words thirteen full payments. You will then be paying an extra payment each year because with two months you are paying three half payments. This can shed years off of the loan.

You can also take your payment and divide it by twelve and then you will be paying extra at the end of every month. This allows you to reduce the principal balance of your account every month. You will end up paying less interest every month. You may also want to investigate the structure of your loan to see if it is cost effective. You may want to go around to other banks to see if you can find one that offers better terms and conditions.

Other people use unique ideas to also save up money and pay that mortgage early in the real estate market. For example, if you find some money that you did not anticipate getting, then you should put that into your account and use it for household bills Every little amount counts. This means that if you find thirty dollars on the street or get a raise, then you should use some of this money to pay off your house.

You can also get a little job on the side to make a little cash. You can also change your lifestyle a bit and save more money so that you can use that money for your house payment.

Paying off your mortgage early is not as difficult as it may seem. There are many options available for you so keep an open mind and investigate ways of achieving financial freedom.

If you are looking for property in Asheville, North Carolina, real estate agents will advise you to pay off your real estate loan as soon as possible. To save money and learn about real estate buying tactics, visit http://www.preferredrealestatecenter.com

Tips on Choosing Home Builders in Montgomery

If you have decided to buy a new house, you probably have taken the most crucial decision of your life. Buying a home is a dream for everyone and is considered one of the biggest investments. No one likes to invest in a home that proves to be a disappointment after a few years of purchase. To buy a beautiful home that has functional features and stunning construction, you need to be sure about the homebuilder that is working on the project. They should be a brand that is known for its commitment, skills, and customer services. Choosing efficient home builders in Montgomery is an uphill task, however, these tips will help you choose a reliable company that can meet your expectations and make a dream home.

Before looking for trustworthy home builders in Montgomery, it is essential that you define your vision. Decide what type of home and community you are looking for, for instance, type and size of home; space requirements; layout and sign of the home; outdoor living areas; accessibility; distance from your job; shopping center; public transport; medical facilities; schools, parks, recreational facilities; etc. Prepare a list of important features that you want in your new home. This will eventually help you evaluate every property that you visit. This will make it easy for you to explain your preferences easily.

Before beginning your search in Montgomery, ask your family and friends if they know any reputed builder that you can deal with. You can call the home builders associations in Alabama to get names of some of the reputed home builders in Montgomery. Once you get the list of home builders, visit their websites and check out their portfolio and company details. You can get information about their previous projects and the reviews they got. Go through their testimonials to check out the quality of services offered by them and to know what their customers think of their services.

Checking some of their model homes can also help you select the best homebuilder for your new home. Besides considering the design and layout, check the quality of the material used in their model home, check flooring, windows, doors, effect of sound, and woodwork finishing before finalizing anything. Visit the model home repeatedly unless you are satisfied. Check whether the home makes have effectively used available space or not. While buying a new home, the community itself is an important factor to consider. Considering builder’s warranty and after sales services is also crucial for choosing the right home developer. It is important that the company’s approach to the buying and building process should work for you. For a satisfying buying experience, you must have open communication, mutual trust, and a good working relationship.

Family Tax Matters Capital Gains, Filing Status, Deductions And Alimony

Now that tax time is approaching, we thought it a good idea to discuss some common tax issues associated with divorce and separation. As with every other aspect of divorce, a well-prepared decree and clear communication with your former spouse are the best ways to avoid misunderstandings that could cause you problems when dealing with the Internal Revenue Service (IRS). Another way to avoid problems is to utilize the services of your tax professional before you make filing decisions that you could come to regret later.

Capital Gains Tax and the Principal Residence Rule.
More often than not, the marital residence is the most valuable asset that a married couple owns. During the divorce, it is not unusual for the couples home to be sold and the proceeds distributed between them. If the home was sold for more than it was purchased for, meaning there was a gain on the capital asset, then there are specific rules affecting the spouses capital gains tax liability.

Transfer Between Spouses. In general, if you transfer your interest in the marital home to your spouse, or former spouse as incident to your divorce, you will not have a capital gain or loss. Thats the result even if you received cash or some other property in exchange for your interest in the marital home. (The exception is if your spouse or former spouse is a nonresident alien.)
The marital home could be a house, houseboat, mobile home, cooperative apartment, or condominium, but generally not vacant land.

When your home is sold and there is a capital gain, can you avoid a capital gains tax?
That depends on whether you owned and lived in the home, as your main home (not a secondary residence), for at least two years in a five-year period ending on the day the home was sold. This is the principal residence rule for capital gains tax purposes.

Maximum Exclusion. If you satisfy the principal residence rule, then you can exclude up to $250,000 of the gain on the sale of your main home. And if you are married and file a joint tax return, that exclusion could be $500,000 ($250,000 for each spouse).

Problems can arise when the marital home isnt sold to a third party during or shortly after the divorce. Say, for example, that after the divorce is final, the home is lived in by one ex-spouse who has primary physical custody of the children. He or she lives there for many years before the home is sold and the proceeds divided. The ex-spouse who resided in the home for two years in the five-year period ending on the date of sale would avoid capital gains tax. The other ex-spouse — who doesnt satisfy the principal residence rule — would not avoid capital gains tax.

Selecting Your Filing Status.
After youve filled in your name, address, and social security number, your tax status is the next question to answer on your individual income tax return (Form 1040). Your options for filing status are determined by your marital status on December 31, 2010. Selecting your filing status can have an impact on your overall tax liability, so its a good idea to consult with your tax professional about which option is best for you based on your particulars.

Single Taxpayer. If your divorce was finalized by the last day of the tax year (December 31), the IRS will consider you unmarried for the entire year and you can file as a single taxpayer.

Head of Household Taxpayer. If you are considered unmarried and you pay more than half the costs of keeping up your home and at least one other qualified person, you may qualify for “head of household” filing status. Filing as a head of household would allow you a higher standard deduction and a lower tax rate. If youre not a head of household, however, your filing status will be “single.”

Married Taxpayer. If your divorce was not final until January 1, 2011, or thereafter, then you may select married filing jointly [with your spouse or former spouse] or married filing separately, but not as a single taxpayer even if you were living separately. If you file jointly with your spouse or former spouse, both of you must sign the joint return.

Individual and Joint Liability. When you file jointly with your spouse or ex-spouse, and you both sign the return, then you are both liable for any tax, interest, or penalties that are due. There may be language in your divorce decree stating that one spouse, or the other, will be liable for any taxes, interest, penalties due on any jointly filed return. The IRS, however, says that your joint and individual responsibility applies even if your divorce decree states that your former spouse will be responsible for any amounts due on previously filed joint returns.

Important Deductions.
Deduction for Dependents. In general, the parent with child custody will claim the dependency deduction. This issue may have been addressed in the divorce decree, however, and both parties must follow the provisions of the courts decree.

Deduction for Alimony or Spousal Maintenance. Make sure that the spousal maintenance tax obligation shifts to the recipient of the money. The supporting spouse may deduct the money paid for spousal maintenance, or alimony. The spouse or former spouse receiving the alimony must include it as income on his or her tax return. If you made a non-cash property settlement in payments or as a lump sum for the benefit of the other party, then that is not deductible spousal support for federal income tax purposes. Any voluntary payments made, meaning payments that were not ordered in the decree of dissolution, are not deductible as alimony from income either.

No Deduction for Child Support. Child support payments are never deductible. If you are paying child support and spousal maintenance, and you didnt satisfy your total obligation, then the IRS requires that you account for the child support first (which is not deductible) before you account for the spousal maintenance paid (which is deductible).

Deduction for Mortgage Interest. Who shall claim the home mortgage interest deduction may also have been addressed in your final divorce decree. If it was not, then this needs to be discussed with your former spouse because you cannot both claim the entire amount on your respective returns. The mortgage deduction goes to the person who paid the mortgage and interest out of his or her separate funds. If both parties contributed to the mortgage, or it was paid out of marital assets, then the deduction should be divided proportionately. The IRS will cross-check both spouses returns against the 1098 Mortgage Interest Statement, so exercise caution.

Whenever you have specific questions about your personal tax liability — about what forms you should file, what you must report, or which deductions you should claim against your income — you should speak with your tax professional before relying on general information alone.

Northeast Ohio Home Builder Dawson Development Group Continues to Build Topnotch Properties

Northeast Ohio – January 24, 2014. Dawson Development Group, a real estate builder based in Northeast Ohio continues to offer excellent real estate to numerous buyers. The company has a 30-year history of building quality and distinctive homes. If a home buyer is looking for a Northeast Ohio home builder known for their quality craftsmanship, he can consider this company as an option.

This Lake County home builder utilizes design services that create houses which are truly a sight to behold. In addition, they also use progressive techniques and carefully selected materials that will satisfy any buyer’s desire. They take pride in their creation: a new home for a discriminating buyer.

Dawson Development Group gives great attention to details. This is seen in the way they serve their clients, from buying all the way through the building process. The goal of this company is total satisfaction of home buyers.

It is simply their tradition which they have carried from generations to generations. This Geauga County home builder gives much importance on their customers’ trust and satisfaction.

The company is inviting prospective clients to visit one of their open houses to see for themselves the quality and integrity of their real estate development. It is the company’s way of proving to prospective buyers that they can be trusted.

About Dawson Development Group

Dawson Development Group has a number of properties being offered in the real estate market. At present, they have two new developments. One of them is Marshview Landing, a maintenance-free gated community situated in Mentor. The other one is Hillshire Woods, a condominium maintenance-free structure complete with unique features. This development is located at Concord off of Spear Rd. For more information, visit their website at http://dawsongrp.com.

Contact Details:

Adam R. Glade 94 Victoria Court Caribou, OH 04736 Phone: 207-493-1209

Landscaping Advice To Create A Sellable Commercial Property

There are a few things to consider when you are looking for landscaping elements for a commercial property. The first thing to consider is how much maintenance you care to undertake and who will be doing it? The next thing to consider is whether you can take advantage of energy or water saving strategies.

If you have a lot of grass, you are probably going to need a landscaping company to keep up with the mowing on a commercial property, since your business will be affected by the appearance of overgrown grass. A mowing service will have a set schedule they will adhere to so you don’t have to worry. Weed eating and edging are important on commercial landscaping, so you will want to be sure that is included in your monthly fee.

When it comes to trees and shrubs, consider evergreens, which won’t shed leaves that have to be raked, blown, and disposed of. Consider the different shapes that you can get and form a basis of evergreens for color year round. A couple of topiary evergreens in large pots by the front door are quite attractive. No matter what climate you are in, evergreens are drought and cold hardy, compared to other plants.

Consider hardscaping options like rock or mulch for low maintenance beds. Perennial flowers and shrubs can be a great way to make flowerbeds that require little in the way of annual plantings, unless you want to add extra colors around borders, for example. When you are planting commercial flowerbeds, you have to consider the maintenance and upkeep.

If you have beds that are only for annuals, you will need to plant them every year, keep them watered, and have somebody pull weeds. For this reason, many commercial establishments are considering beds with river rock mulch, fountains, perennial, drought hardy plants, or desert-type landscaping. You can add boulders, driftwood or interesting water features like ponds or waterfalls that are simple to maintain, once they have been installed.

The newest thing in commercial landscaping is environmentally friendly plans that save water and use native plants, which are hardier to the natural growing conditions. Evergreens can be used as windbreaks on the north and east, while deciduous shade trees can be used on the south and west to cut energy bills for heating and cooling. Desert landscaping or hardscaping can save water and planting beds with plants that don’t need frequent watering is becoming more economical. In fact, that is the reason many commercial landscaping plans call for structures like gazebos, trellises or boulders to add interest.

Greenscaping is becoming popular by using these methods. Incorporating native flowering plants, shrubs and evergreens or cactus add a local touch of natural landscaping, yet are easy to maintain and environmentally friendly. When it comes to grassy areas, consider drought hardy grasses that can handle extreme temperatures like ryegrass or fescue. Making your commercial landscaping easy to maintain will save money and greenscaping saves water. You can have an interesting commercial landscape that features structures, fencing, boulders, evergreens and perennial flowering bushes that require little or no maintenance and will stay that way for many years to come with a little trimming or touch-up.

How To Choose A Reasonable Florida Mortgage Loan

How to choose a reasonable Florida mortgage loan

If you are looking for a Florida mortgage loan, you will find that not only are there numerous lenders that will provide you with the loan, there are also many financial institutions that work both as mortgage brokers and lenders.

So before you actually get yourself a Florida mortgage loan, it is better for you to find out if any broker is involved with the mortgage company. If there is a broker working with the company, find out how much compensation is awarded to the broker so that you can make calculations and compare the different fees and interests of the various mortgage brokers in Florida.

Reliable lenders quote the best terms for your loan

There has been a recent growth in the Florida mortgage loan field because of low interest rates and the rise in the number of people shifting to Florida. However this does not imply that you approach the first Florida mortgage loan company you find to get your loan. You have to approach only the reliable lenders, like www.vuemortgageloan.com to get the best terms for your loan.

Approach these companies for their quote for the Florida mortgage loan. You can do this either through the internet or by contacting them over the phone or personally. It is basically better to do it via the internet as it is faster and requires less effort from your side. All you have to do is to make a few clicks on the internet, fill out a few forms and you will receive a few Florida mortgage loan quotes in a matter of minutes.

Lowest interest rates may not mean the best Florida mortgage loan

However, it is not always that the lender offering the lowest interest rates to be the best lender for your Florida mortgage loan. In fact, sometimes these companies may quote low interest rates, only to add some other fees and charges to your Florida mortgage loan like application and service fees.

This means that besides the interest rate of the Florida mortgage loan, you have to consider the extent of underwriting, mortgage brokerage or loan origination fees the Florida mortgage loan company charges. Also find out the costs related to transaction settlements, closing costs and other costs related to the Florida mortgage loan before deciding on the best lender.

Once you consider all these additional costs, and the interest rates of various Florida mortgage loan lenders, you will be able to choose the best lender and loan that fits your budget and requirements.

Reasons To Consider Building A Lean To Wood Shed

Wood Sheds: Why Considering A Lean To Instead Of A Free
Standing Shed May Be A Good Idea

It seems like no matter how much we try we never seem to have enough storage space. Whether you are looking for a shed to keep that fire wood dry and ready to burn, extra tool storage or a place for that lawn tractor out of the elements, wood sheds come in handy.

However, you may be reluctant to add another free standing building to your property. Perhaps, you feel there are too many out buildings already or perhaps you simply can’t afford the cost of a new storage shed. Whatever, your reasons a lean to may be the answer to all of your problems.

A Lean To Wood Shed Will Save You Money

A Lean to is a three sided building that leans against and uses a wall of an already existing building as it’s fourth wall. Building a lean to shed will still cost you but, the cost is far less than building a freestanding shed. Not
only are you save you from buying the material for one wall, but, you need less roofing material and are saved money on the foundation.

In fact, if you are building a lean to for storing that garden tractor or fire wood, you may not need any type of flooring at all using just a timber frame for your shed.In most cases a shed lean to does not need a floor since these buildings are usually only used to protect firewood or equipment from the elements and are not used to store those things that are easily damaged. Tools such as hoes and rakes can be hung on the wall leaving space on the sod floor of this wood shed for larger items.

Building A Lean To Will Save You Time

Not only is a lean to wood shed a great way to save money on your building cost it will also save you time spent in actually building the shed. Since you are only building three walls and a roof you won’t be wasting time pouring
concrete or setting pillars for a more permanent foundation.

You also will be saving time in the fact that you will only be constructing 3 walls instead of four and the roofing of the building will take less time as well. In fact, people who have built their own lean to sheds have often completed the entire project in the course of a week end.

A Lean To Can Blend In With Your Landscape Easier

A lean to shed can blend into your landscape easier than a freestanding shed might. Because it will attach to an already standing structure it will become part of that structure and provide an unbroken image especially if you build your lean to to match your existing building.

A free standing building will cause yet another break in your landscape which may be undesirable for certain homeowners especially those who have worked hard on their lawn and garden and want those things to draw attention rather than a series of outbuildings dotting the landscape.

A Lean To Is Easier To Maintain

Because a lean to wood shed consists of less material than would a free standing shed it will be easier and cost less to maintain. In fact, maintaining your lean to can be done when you do the maintenance work on the building it is attached to, killing two birds with stone so to speak.

Because a lean to will take up less of your time to maintain it will free you to do all those other projects that need your attention or simply give you more time to relax.A lean to shed may be a great alternative to a free standing shed as it is cheaper and easier to build and maintain, it can fit in better with your existing landscape and buildings and can be used to store all those extras that need to be kept from the elements.

In most cases, building plans for lean to wood sheds are simple to read and easy to follow making them a great do it yourself project for people who enjoy working on projects may lack sophisticated building skills.