Wednesday, August 29, 2012

Kolkata Real Estate Buzz

Real estate sector in Kolkata is going through industrial as well as residential enlargement since a long time. Attempting to stay in par with the recent trends in other metropolitan cities, Kolkata is also opening doors to recent day real estate constructions. People purchasing apartment houses in Kolkata are now on the lookout for first-rate standard of living alternatives. The real estate developers in Kolkata are building excellent apartments so the people who invest in real estate do not have to think concerning the quality of construction. According to the real estate representatives, people believe things like sites, the facilities and also the builder, before getting to purchase a property in the city. Characteristically, apartments in Kolkata have low property values in contrast to the other metropolitan cities.

Where in Kolkata to buy?

The real estate sector in North Kolkata is turning out to be expensive owing to shortage of land here. The majority of the North Kolkata inhabitants who have been residing there for generations do not desire to leave this place.

The apartment capital cost at a classic North Kolkata region of Baghbazar has observed approximately 6 percent increase in values in the last 3 months.

Girikunj, Phase II neighboring to New Alipore, is the lately found housing choice in Kolkata. Private real estate developers have lined up their projects between the ranges of Rs 28 to 36 lakhs.

In Jadabpur, the capital rates of a 1000 to 1200 sq ft apartment are in the range of Rs 25 to 48 lakhs. While the first-class apartments in this area are between the price range of 52 to 60 lakhs for a 1000 to 1200 apartment.

North Kolkata is overpopulated and for that reason the rates are skyrocketing. One can't even extend the roads here as there is no possibility for extending it.

People who are on the leather hunt to purchase a property have a plethora of alternatives existing for them in the market as Kolkata real estate properties proffers a variety of housing from the reasonably priced to the high-class and expensive. To purchase an apartment in Kolkata, the costs would differ clearly depending upon locality and infrastructure. Real estate developers like the DLF Group and Diamond Group are introducing their residential projects in the city which has lead to appreciation in property values.

Chief residential districts in Kolkata where property values are more than others are Belvedere, Park Street, Southern Avenue and Park Street. The apartment buildings in the city have tough likelihood both for rental and resale. The development of the software business around Salt Lake and Rajarhat has produced strong invasion of manpower from all over the country. As a consequence, there is a huge demand for rental housing options. All this has shown the way to apprehension in Kolkata real estate sector. Therefore, it can be wrapped up by saying that real estate sector in Kolkata is on an elevated growth phase, particularly in office, hospitality and housing sectors. So, investment in real estate sector in the Kolkata is bound to pay dividends.

Tuesday, August 21, 2012

What Is Irs Injured Spouse Relief

The general rule is: when a couple files a joint federal tax return, the IRS will hold both taxpayers responsible for any unpaid tax debts. The IRS will even keep any refund available and apply it to a past due tax liabilityeven if the couple later begins to file separately but incurred the original debt while filing jointly. Some taxpayers might file separately to avoid a withheld refund, but this can cause the couple to miss out on valuable tax advantages for married taxpayers. This blog entry will explain the basics of the IRS's Injured Spouse Relief program.

What is an Injured Spouse and what is the Relief the IRS Provides?

For federal tax purposes, an Injured Spouse is someone that is denied a tax overpayment refund or a portion of a refund because the funds were applied to off-set a past-due obligation of a spouse or ex-spouse. This obligation can be a past-due federal tax, state income tax, child or spousal support or even a federal non-tax debt, such as a student loan. In this case, the spouse is injured because they do not have a legal obligation to the past-due amount but by having their overpayment applied to the liability, the IRS is in fact holding the person responsible for the debt.

As a remedy to holding a non-liable person responsible for the federal debts of their spouse or non-spouse, the IRS offers Injured Spouse Relief. To avoid having a refund withheld, a taxpayer can request Injured Spouse Relief at the time they file their tax return. If approved, the injured spouse will not be held responsible for their spouse's federal tax debts, state tax liabilities, etc. The IRS will also determine the amount of tax owed by or overpayment due to each spouse.

Thus, an injured spouse may be able to recover their loss (misapplied refund) should the IRS approve the taxpayer's claim for relief. According to the IRS, in order to qualify for Injured Spouse Relief, a taxpayer must meet the following three conditions:

1. You must not be legally obligated to pay your spouse's past due tax liability.

2. You must report income such as wages, taxable interest, etc., on the joint return.

3. You must have made and reported payments, such as federal income tax withheld from your wages or estimated tax payments, or you claimed the earned income credit or other refundable credit, on the joint return.

Most Americans will need to meet all three of the qualifications to be deemed an injured spouse.

However, if you live in a community property state (Arizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, or Wisconsin) then you will only need to meet the first qualification. In community property states, over-payments are considered joint property and are generally applied (offset) to legally owed past-due obligations of either spouse. Please note that there are exceptions. The IRS will use each state's rules to determine the amount, if any, that should be refunded to the injured spouse. Under state community property laws, 50% of a joint overpayment (except the earned income credit) is applied to non-federal tax debts such as child or spousal support, student loans, or state income tax. However, state laws differ on the amount of a joint overpayment that can be applied to a federal tax debt. If you believe you are an injured spouse but live in a community property state, you should seek the help of a professional.

Professional Help

Once you have determined the IRS has, or will, withhold a refund because of your spouse's past due taxes, you should print out a copy of IRS Form 8379. You will then need to allocate income, adjustments, deductions, and credits between you and your spouse in Part 2 of the form. After completing the form, you can mail it to the IRS with your tax return, or if you have already filed your return, then you can just mail it to the IRS. For those of you who e-file your return, you can even include Form 8379.

Unfortunately, qualifying for Injured Spouse Relief is not as easy as it may seem. Properly allocating deductions and credits on IRS Form 8379 can be very confusing and a simple error could lead to the IRS rejecting your request. Seeking the help of an experienced tax professional may be in your best interest.


Some people may claim the only way to truly avoid being held responsible for a spouse's back tax liability is to always file separately. However, this can result in the loss of valuable tax incentives for married taxpayers. Instead, engage in an honest conversation with your partner about both of your finances before you get married so you will know in advance about any potential tax problems. If your spouse has tax problems, then you can proactively file for Injured Spouse Relief when you file your return so your part of the refund won't be used to pay your spouse's prior tax debts.

Innocent Spouse vs. Injured Spouse

Injured Spouse Relief is often confused with the similarly named Innocent Spouse Relief, but each program was actually created to help different types of taxpayers. Part of the reason for the confusion is because until 1988, Innocent Spouse Relief was the only option for a married taxpayer to be relieved of a tax liability stemming from their spouse's errors. Fortunately, these days the IRS offers both programs. Unlike Injured Spouse Relief, in order to qualify for Innocent Spouse Relief, taxpayers must prove they had no knowledge of the errors leading to a back tax debt when they signed the tax return.

Sunday, August 19, 2012

Cash Loans

Need of urgent cash can arise anytime; in this situation you can get financial help from cash loans. These loans are very much helpful in fulfilling your desires and urgent needs. Unexpected and urgent needs can trap you anytime so these loans help you to come out this trap easily and without any hurdle.


Cash loans are specially designed for the people in financial crises and need urgent money. Through these loans you can easily get the amount ranging from 100 to 1500 for the period of 14 to 31 days. This can be used for accomplishing various small needs like medical bill, school fee, household bill, house renovation etc. These loans are free from the hassle of faxing of documents or any other paper work.

Application procedure

One can easily apply for these loans by filling an e-form on internet. This form takes only few minutes and the loan amount gets deposited in your account just within few hours. You can simply apply for these loans through your PC at home or office so there is no need to sacrifice your comfort.

Who can apply for these loans?

In order to get financial help from these loans the borrowers are required to fulfill certain conditions-
1. The applicant should be permanent citizen of UK and should be an adult with the age of 18 years or above.
2. He should have permanent bank account under his name in UK itself which should not be more than six months old.
3. The borrower should also be a regular employed from the past six month within the same organization.
4. He should earn the minimum salary of at least 1000 per month so that will be able to repay back the loan amount on time.
5. He should have permanent residential address in UK itself
These loans do not require any sort of credit check thus every kind of borrower are applicable. There is no hurdle of default, arrears, late payment, CCJ's, insolvency etc. since these loans short term loans so he rate of interest can be little high but it can be negotiated by searching for the lower rates on the internet. Furthermore, these loans do not involve collateral pledging thus you are free from the formality of arranging the security.

Sunday, August 12, 2012

Factors Which Decide Eligibility for Home Loans

When you are planning to have new house with the help of then it is necessary that you are well-informed about the factors which play a vital role in deciding your eligibility for getting home loan. First of all, it is your salary which is taken into consideration. There is direct relation between y our salary and the amount of home loan you can be eligible for. It means that higher salary means chances of getting higher home loan amount.

Another factor is property check. A thorough inspection of the property that you are willing to buy is done by bank to ensure that it is as per the technical as well as legal norms. Above all, they make sure that the property has been sanctioned by the authorities or not. So, it is advised that you check it beforehand that the property has approved plans and it fulfills all the legal and technical property aspects.

Since are a long-term commitment, your general profile, academic as well as personal qualification will be taken into consideration so as to analyze potential evolvement in the industry you are employed in. for example, Call Center or BPO sector jobs are not considered equal to jobs in other sectors because attrition rates are comparatively higher in this field. In simple words, people with stable job are given priority over others and they are checked for their experience in their respective fields. Medical practitioners, CA, engineers etc. are able to attract the attention of bank as there are more chances of potential growth in their careers.

Your credit history is yet another important factor in deciding your eligibility for It will be verified whether you have any due loan repayments. Third party systems and internal systems are used to know this, so it has got really hard these days to have bad debts with one financial institution and get loan from other.

It is not only your financial condition which is under scrutiny but also of your blood relations. Third party system is used to get financial records of your close relatives. In case of any default, you will find yourself in a fix and you may require to involve into undesired hassles so better avoid this kind of situation by having clean record with banks or financial institutions.

You should bear it in mind beforehand that getting home loans is not a kid's play and it involves huge amount which is given on the basis of long-term commitment. So, we cannot expect banks to be negligent about all the factors that are necessary to make one eligible for getting home loans. These checks are performed by banks so that they are able to assess your ability as well as intention to pay the loan and to be sure about the safety of the property to be purchased by the borrower. So, whenever you are looking for any of home loans, it advised that y you consider pros and cons of the type of loan you are choosing and discuss is clearly with the bank.

Friday, August 10, 2012

Twitter Will Shut You Down And Put You In Twitter Jail

I think that at one time or another, we have all asked our selves "How do I get more sales volume from my downline?"

After some contemplation on that problem, many marketers realize that if they train their recruits in proper knowledge of the products and services it will motivate previously unmotivated members that will result in more sales. A process sometimes called duplication. ie: Duplicate yourself and you will have more sales and more recruits.

Kinda like milking a cow. You have to squeeze hard enough to get the milk out of the cow, and you have to squeeze enough times to make sure you get all the milk.

So you milk a cow the right way, you teach your members to milk a cow the right way, and the cow still only gives the same amount of milk each day.

So back to our question: "How do I get more Milk?"

The answer is easy, do the difficult tasks. Training, teaching, and duplication is the easy part. You are working with people who are already your members so there is no rejection. They joined you and want you to help them succeed, so they are willing to listen to you.

To get more "Milk"--GET MORE COWS!

That's it, get more members, recruit, take that risk of rejection and grow your organization. New recruits bring in new enthusiasm, new excitement, and start a recruitment snowball effect with your downline.

In short, your time spent with your downline in training and duplication is valuable but too much time in that area is not the best way to grow your organization.

To get more milk, get more cows.

This is not to be confused with:


The watermelon syndrome goes like this:

Two guys wanted to make some extra cash so they got this idea. They went down to the local farmers market and bought a truckload of watermelons at each. They found a spot beside the road to set up shop and opened up the tailgate with a sign,


Well guess what, they sold every melon in a very short time so they went back to the farmers market and bought another truckload for each. Back to the roadside stop, out with a bigger sign,


Again they sold out. Well one of the two says "Wait a minute here, we aren't making much money. We have to change something, we are selling all our melons every time and we should be making more money." The 2nd guy agrees. Then a light goes on over both these guys and they realize what they need to do.

They both jump up and yell in unison


OK, OK, I know, I just wanted to give you all something to think about.

Have a great and profitable week!

Do you tweet?

If not you should. Twitter is without a doubt the one of the best social media today for marketing online. Twitter is also brutal about shutting down accounts that abuse the system.

Twitter will allow you to have as many people follow you as you would like, which means you can have your own targeted private market. Of course Twitter has rules about followers, rules about sending messages, and rules about your tweets. If you were unaware of some of these rules, you should review them on Twitter to be sure you are in compliance or you may get your account suspended or even closed.

If you think you would like to use Twitter as a marketing source you should do it, but you should do it the right way. That is to follow all the rules. Seem like a lot of rules to follow? Well it is. But I there is a way you can be sure to follow all the rules and stay in compliance at all times.

What will do this? A Robot, or an App. Robots and Apps are allowed by Twitter so you can make your tweets outside of Twitter itself, they then send the tweet to Twitter through their own server. They are aware of all the rules to be followed and they will tell you in advance if your Tweet is going to violate Twitters rules. That way you make the adjustment before you send the tweet and no harm no foul.

So if you are going to use Twitter to do your promotions, I urge you to make the tweets through a third party that has been approved by Twitter already and stay out of Twitter Jail

So be smart, play by the rules,Tweet Later will keep you on track, and my experience with TweetLater Professional is that it put marketing on AutoPilot. (And kept me out of Jail)

Of course the marketing has to reach a large following so make sure you keep increasing you Followers.
Here are two programs that will help you with making your followers viral:

This one builds followers and also your downlines in 3 other programs at the same time Twitter Secrets

This one is easy just publish one viral tweet! TweeterGetter

Happy Tweeting!

Tuesday, August 7, 2012

What is an Environmental Lobbyist

Basically, the job of an environmental lobbyist involves persuading politicians on the local and national levels, in both the legislative and executive branches of government, to pass laws, policies and regulations for a cleaner environment. And in these times pervaded by the rule of law, it is very important to effect change within the law!

The career outlook for an environmental lobbyist is good. They make on average - thousand a year.

Green Job

When an environmental legislation is passed, virtually all sectors of society will be affected in one way or another. Thus, whenever said law provides for a cleaner, better and healthier environment, the job of an environment lobbyist becomes a truly green one.

Demands of the Job

As an environmental lobbyist, an individual will be required to socialize, discuss and persuade legislators, government executives, private sector leaders and other environmental groups to the organization's point of view. As such, it is one of the most exciting, most rewarding and most stressful green jobs on the planet!

Depending on the organization for which an environmental lobbyist works for, the following job responsibilities may be expected: o Advocacy Work - Call the attention of policy makers about environment problems as well as present solutions for them. This may also involve persuasion to the organization's platform in relation to the problem and solution being presented. o Campaign Work - Create a campaign strategy to raise public awareness, build coalitions with other environmental organizations, organize grassroots movements, secure VIP endorsements and formulate focused messages. o Media Outreach - Tap into the power of broadcast, print, radio, and online media to strengthen environmental campaigns as well as to raise public awareness of environmental issues under advocacy. o Fundraising Activities - Raise money for organizational activities through grants, donations and even loans.

In accordance with these responsibilities, an environmental lobbyist often needs to be highly knowledgeable about existing policies about specific issues, currents trends and updates in environmental policies, and social and political factors affecting the organization's advocacy, to name a few.

The pressures of the job are well worth the salary, which can range from ,000 to ,000 depending on company policies, location, educational attainment, work experience, and network of contacts, among other things.

Most environmental lobbyists enjoy generous employee benefits that include health care coverage, retirement plan, educational loan assistance as well as paid vacation and sick days. Travel, career advancement and training opportunities may also be offered. Again, various factors come into play when it comes to employee benefits, just like in employee salary.

Qualifications of the Job

On the professional side, an environmental lobbyist must possess a four-year degree course preferably in political science, environmental science and social sciences. Take note, however, that almost any bachelor degree will do since experience matters most in this line of work. And speaking of work experience, it must be focused on work related to politics and policy, legal and social settings, and even journalism as it relates to the environment, with a minimum of 3-8 years actual exposure.

On the personal side, passion and persistence, determination and drive, good oral and written communication and negotiation skills, and good interpersonal skills, to name a few, are highly desirable.

So, when you believe that you have the passion to institute change in government and in society as it relates to environmental issues, a career as an environmental lobbyist is a path well worth taking.