美國住房市場仍是令人鼓舞的積極，三十年貸款(按揭)利率，雖然仍遠低於7.00 ％，家庭資產貸款利率已經上升到足以迫使許多人重新貸款(Refinance)以減少比較高的月付款，以及超過 21萬億美元的浮動利率抵押貸款即將到期，對未來數月的貸款市場，將有正面積極的影响。
需要做的如下：
1。做一個清單。你需要做一個列表的每個你認識的人。確保你有他們的地址，電話號碼和電子郵件地址，如果可能的話，再加上和任何其他信息。
2。寄一封私人信件給每個你認識的人。告訴他們，你現在做抵押貸款業務，你願意用任何可能的方式幫助他們。
3。後續幾天後，打電話給每個你認識的人。再介紹自己和自己的業務。詢問他們是否有任何問題，信貸和/或抵押貸款。問每個人問題，可幫助您對每個人的貸款更了解，並大量的筆記、儘可能記下所有的信息。
4。寄手寫的“謝謝你“明信片給每個你打過電話的人、表達你的感激他們所花費的時間、並向他們所提供你可以為他們省錢的信息。非常少人用“謝謝你“明信片的今天、每個你打過電話的人都會對你印象深刻。
5。每個月發送節日賀卡，生日賀卡，明信片，文章和信息行業信息。由於你不斷的提供有價值的信息，你會最終被接納為專家和值得信賴的顧問。
6。永遠不要停止建造您的清單資料庫。每一天設定添加一個新的聯繫人設為你個人的目標，然後按照相同的步驟為每天添加到您的清單資料庫中。
這是開始您的清單資料庫和新的抵押貸款業務。每一天不斷補充您的清單。正確處理您的清單資料庫將導致每月您的貸款(按揭)客戶不斷推介新客戶。清單資料庫越大，你就會有客戶推介越來越多新客戶給你。
通過有效地使用你的清單資料庫，加上維持卓越的服務水準，並保持你的名字在每個客戶心中，想到貸款就想到你，一個偉大的商業機會就產生了。
想加入貸款(按揭)業務行業嗎?很有前(錢)途的行業。
Call Gary Ma 626-200-7787
Thursday, September 30, 2010
Thursday, September 23, 2010
美國明年收入稅增加
This list does not even take into account the Health Care Reform Taxes: Personal income Tax Increase.
The top income tax rate will rise from 35% to 39.6%. The lowest rate will rise from 10% to 15%. All the rates in between will also rise. Itemized deductions and personal exemptions will again phase out if you have "too much income", which has the same effect as higher marginal tax rates.
The marginal rate hikes starting January 1, 2011 are below:
- The 10% bracket rises to an expanded 15%
- The 25% bracket rises to 28%
- The 28% bracket rises to 31%
- The 33% bracket rises to 36%
- The 35% bracket rises to 39.6%
Higher taxes on marriage and family. The "marriage penalty" (compressed tax brackets for married couples) will return starting with the first dollar of your income. The child tax credit will be cut in half from $1000 to $500 per child. The standard deduction will no longer be doubled for married couples and the dependent care tax credit will be cut.
Higher tax rates on savers and investors. The capital gains tax will rise from 15% this year to 20% percent in 2011. The dividends tax will rise from 15% this year to 39.6% percent in 2011. These rates will rise another 3.8% in 2013.
The Dreaded AMT (Alternative Minimum Tax) The AMT will hit over 28.5 million families, up from 4 million last year as a result of the failure of Congress to index the AMT and expiring exceptions. You will be calculating your tax twice and you will pay tax the higher of the normal income tax or the AMT.
The end of the year is almost upon us. Don 't wait until the last minute to start thinking about what the new tax laws will mean for us. 請勿等到最後一分鐘才思考稅的問題、請咨詢稅務專家。
轉載網路文章
The top income tax rate will rise from 35% to 39.6%. The lowest rate will rise from 10% to 15%. All the rates in between will also rise. Itemized deductions and personal exemptions will again phase out if you have "too much income", which has the same effect as higher marginal tax rates.
The marginal rate hikes starting January 1, 2011 are below:
- The 10% bracket rises to an expanded 15%
- The 25% bracket rises to 28%
- The 28% bracket rises to 31%
- The 33% bracket rises to 36%
- The 35% bracket rises to 39.6%
Higher taxes on marriage and family. The "marriage penalty" (compressed tax brackets for married couples) will return starting with the first dollar of your income. The child tax credit will be cut in half from $1000 to $500 per child. The standard deduction will no longer be doubled for married couples and the dependent care tax credit will be cut.
Higher tax rates on savers and investors. The capital gains tax will rise from 15% this year to 20% percent in 2011. The dividends tax will rise from 15% this year to 39.6% percent in 2011. These rates will rise another 3.8% in 2013.
The Dreaded AMT (Alternative Minimum Tax) The AMT will hit over 28.5 million families, up from 4 million last year as a result of the failure of Congress to index the AMT and expiring exceptions. You will be calculating your tax twice and you will pay tax the higher of the normal income tax or the AMT.
The end of the year is almost upon us. Don 't wait until the last minute to start thinking about what the new tax laws will mean for us. 請勿等到最後一分鐘才思考稅的問題、請咨詢稅務專家。
轉載網路文章
Friday, September 17, 2010
Thursday, September 16, 2010
各位同學趕緊找個大腕朋友也权当练练手吧
最近有位同學請我幫忙找Apartment Properties、她富商朋友想來美國投資房地產等等、我就問她: 你朋友想投資多少錢在這個案子上面、她說不知道。我寫email給她說、如果我們不知道你朋友想投資多少錢來買此Apartment、因為範圍太大、那成功機會不大。她說: 好吧、那我來問問我那朋友他到底要投資多少錢。幾天之後我收到她寫的email、內容如下:
My friend said: 计划投资600万美元以内购买公寓，主要是为了租金收入和价格升值，所以我们要充分考虑地点和位置，以及物业的维护状况，和每年的税收，以及物业的过户手续费。另外，考虑到我们不熟悉美国，希望能够有多一些选择，同时我们还要尽可能多实地考察情况，所以会给你带来很多麻烦，你权当练练手吧，我们同样会谢谢你们的帮忙。投资的时间应该在明年上半年比较合适。
各位看倌、因為原文是簡體中文、那我也就照登了。哇! 『600万美元投资、权当练练手』各位同學請想想、如果可以貸款的話那他的購買力將超過千萬美元、或許可能買到超過一百套房子、毎套租金若以千美元月租來看、月收租金將有十多萬美元、幾年後房價回升、一定能賺到不少錢、那下回己經練過手了、他可能會投資好幾個600万美元、哦! 各位同學試想、如成功的話、這個投資者將會是我們今後主要服務的客戶(主子)啦! 平時可以幫這個投資者管理這些Apartment Properties、收些管理費、想想就很過癮了、不多說了、我要趕緊去做我的春秋大夢了、先上網MLS找找Apartment、看有沒有比較合適的Properties for Sale吧。
各位同學由此可知、客戶不用很多、好的客戶只要幾個就够了、現在老中有錢了、各位同學我們大家有機會就要好好把握、也趕緊找個中國大腕朋友也权当练练手吧。
地產考執照新班九月十八日開課、報名請早。馬老師 626-200-9370
My friend said: 计划投资600万美元以内购买公寓，主要是为了租金收入和价格升值，所以我们要充分考虑地点和位置，以及物业的维护状况，和每年的税收，以及物业的过户手续费。另外，考虑到我们不熟悉美国，希望能够有多一些选择，同时我们还要尽可能多实地考察情况，所以会给你带来很多麻烦，你权当练练手吧，我们同样会谢谢你们的帮忙。投资的时间应该在明年上半年比较合适。
各位看倌、因為原文是簡體中文、那我也就照登了。哇! 『600万美元投资、权当练练手』各位同學請想想、如果可以貸款的話那他的購買力將超過千萬美元、或許可能買到超過一百套房子、毎套租金若以千美元月租來看、月收租金將有十多萬美元、幾年後房價回升、一定能賺到不少錢、那下回己經練過手了、他可能會投資好幾個600万美元、哦! 各位同學試想、如成功的話、這個投資者將會是我們今後主要服務的客戶(主子)啦! 平時可以幫這個投資者管理這些Apartment Properties、收些管理費、想想就很過癮了、不多說了、我要趕緊去做我的春秋大夢了、先上網MLS找找Apartment、看有沒有比較合適的Properties for Sale吧。
各位同學由此可知、客戶不用很多、好的客戶只要幾個就够了、現在老中有錢了、各位同學我們大家有機會就要好好把握、也趕緊找個中國大腕朋友也权当练练手吧。
地產考執照新班九月十八日開課、報名請早。馬老師 626-200-9370
Wednesday, September 1, 2010
每月精選 9/2010 Call Gary Ma 626-200-7787
有錢一定要買這個產業 (可辦美國身份)
• Price: $5,400,000
• Lot Size: 2 - 248 AC
• Property Type: Agricultural
• Tax ID / APN #: 3215-014-017
Major Price Reduction!!!Seller Financing Available. See this beautiful property at the website - www.bouquetcanyonranch.com. Land and water tested excellent for grape production/winery. Also beautiful area for hotel/spa destination, private school, or homes. Located in LA County, not Santa Clarita or Saugus city zoning. Water rights from nearby spring are included. Two functioning wells. Three homes, guest/lodge, barns, pool and out buildings currently on property.
Located at the Northeast end of Bouquet Canyon just beyond the Reservoir, it backs up to the National Forest. The views across the road are also the green National forest.
• Price: $5,400,000
• Lot Size: 2 - 248 AC
• Property Type: Agricultural
• Tax ID / APN #: 3215-014-017
Major Price Reduction!!!Seller Financing Available. See this beautiful property at the website - www.bouquetcanyonranch.com. Land and water tested excellent for grape production/winery. Also beautiful area for hotel/spa destination, private school, or homes. Located in LA County, not Santa Clarita or Saugus city zoning. Water rights from nearby spring are included. Two functioning wells. Three homes, guest/lodge, barns, pool and out buildings currently on property.
Located at the Northeast end of Bouquet Canyon just beyond the Reservoir, it backs up to the National Forest. The views across the road are also the green National forest.
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