Move-up home buyers need the timing to go right for their sale and purchase

Kristin and Jon Holmes play with Sophie, their rescue Doberman, in the back yard of their home in Alexandria, which they recently purchased to provide more space for their pets.

We have a rescued Doberman and two cats, and were also thinking of starting a family. The Holmeses who werent expecting the heavy competition they faced in Alexandria know theyre lucky. Prospective home buyers have had a tough year USDA Rural Development Loan in the Washington area market, forced into bidding wars for a limited number of homes available for sale. But for move-up buyers who must sell one home before buying the next, the process of juggling simultaneous transactions can be especially frenzied and daunting.
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Dufferin County home buyers’ grants: Do you qualify?

People are definitely surprised to hear about this and theyre always interested. There are certain qualifications, of course, one has to meet before receiving the loan. Including: The purchasers combined gross household income must be $81,000 or less. The home must be intended as the buyers principal residence. The selling price of the home must not be more than $327,000.
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Kelsey-Seybold to open clinic in Houston Center

Leaked Audio: CEO fires employee in front of 1,000 coworkers over cellphone pic - Photo

Construction is planned to begin in July with completion targeted by December. PageSoutherlandPage is the architectural firm for the project. Linbeck Construction is the general contractor. The size compares with 12,700 square feet in Houston Center. We will expand our services with more physicians and specialties, including family medicine, internal medicine, obstetrics and gynecology, dermatology, orthopedics and gastroenterology, Ro said. A year after we open, we will also add urology, neurology and cardiology. Diagnostic services will include X-ray, digital mammography, ultrasound and bone density testing.
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Kelsey-Seybold Clinic to open new find a doctor Houston TX Pasadena location

Kelsey-Seybold Clinic to open new Pasadena location

By incorporating all of these medical specialties and services under one roof, our patients will benefit from added convenience and improved care coordination, said Victor Simms, M.D., Internist and Managing Physician at Kelsey-Seybold Clinic Pasadena. This new clinic will also help us meet the increasing demand in the Pasadena area and broaden clinical offerings for our patients.” “We will continue to see patients at our 3508 East Pasadena Freeway location until our new clinic opens next year,” added Jonathan S. Bell, Clinic Administrator at Kelsey-Seybold Clinic Pasadena. “And when it does open, we look forward to welcoming our patients to our new facility. The new Kelsey-Seybold Clinic Pasadena location is being designed by architecture firm Kirksey Architecture. Gamma Construction Company has been selected as the general contractor for this project. About Kelsey-Seybold Clinic Kelsey-Seybold Clinic is Houston’s premier multi-specialty group practice, founded in 1949 by Dr.
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Stream Data Centers Secures Lease at Houston-Area Data Center

Markets close in 2 hrs 53 mins Stock Watch Stream Data Centers Secures Lease at Houston-Area Data Center Enterprise user leases Private Data Center Suite in The Woodlands Press Release: Stream Data Centers 3 hours ago Stream Data Centers has secured the first lease in its recently completed Stream Private Data Center(TM) in The Woodlands, a suburb north of Houston. (Photo: Business Wire) Multimedia Gallery URL DALLAS–(BUSINESS WIRE)– Stream Data Centers , a national data center developer and operator, today announced it has secured the first lease in its recently completed Stream Private Data Center in The Woodlands, a suburb north of Houston. The multinational corporation has leased one of the three available Private Data Center Suites at the property and has outsourced its mission-critical IT infrastructure operations to Stream. Stream began construction on the purpose-built data center in August 2012 and commissioned the facility in June of this year. The Stream Private Data Center provides tenants with customizable maintenance and operations programs for their own infrastructure within a dedicated, fully independent Private Data Center Suite.
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Bauchi farmers access fertilizer via e-wallet

Yusuf who expressed satisfaction with the on-going distribution exercise also announced that 53 metric tons of Urea and NPK fertilizer have been allocated to Bauchi State, and his office will ensure that each bag of the fertilizers gets to the deserved farmer. The Director who was accompanied on the exercise by Alhaji Abdullahi Ibrahim Kirfi Director in the state Ministry of Agriculture noted that some farmers who have genuine Identity Card with a correct telephone number, received a text message to come for their fertilizer but their names are not in the Register will also get the commodity. He assured that such farmers should not to panic or consider themselves unlucky, as we have kick started efforts to ensure that every farmer that, and has gets the commodity, but due to budgetary constraints, there was time limit on the distribution exercise but additional time is now necessary. Yusuf commended the state government for its cooperation in ensuring the success of the distribution, sayting that security personnel from the Nigerian Army, the Police, Civil Defense and others have been of tremendous assistance in the exercise and charged them to maintain their vigilance for the security of lives and property. Some E-wallet fertilizer beneficiaries at Kirfi local Government headquarters Cheledi Ward, among them over 40 female farmers informed The Nation this is the first time that we, women are accessing fertilizer in this local government. Mallam Azimi Adamu, a mother of seven children, aged 46 years said each farming season, we used to suffer before getting fertilizer, Houston landscaping most times we spent more than N5500 on each bag as against the present rate of N5500 for the two bags of NPK and Urea.
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Retirement income scorecard: Immediate annuities

Back-of-the-envelope retirement planning

And with most annuities, there’s no money left for a legacy after you and your beneficiary die; with systematic withdrawals, you can leave a legacy with any money left in your accounts when you die. Note that GLWB annuities are the exception to the above statements about annuities, and they offer the ability to tap into your savings and the potential to leave a legacy with any money left over after you die. But there’s a tradeoff, since GLWB annuities have lower payout rates than fixed or variable annuities, and they incur fees for the insurance guarantees. When it comes to generating a retirement paycheck that will last the rest of your life, there’s no single answer that is appropriate for everybody. Your answer depends on your goals and circumstances. I often recommend that you split your retirement savings between annuities and systematic withdrawals, so that you diversify your retirement income and realize the advantages of each method.
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How Long Will Your Retirement Savings Last?

For example, if youre 60 and have $1 million saved, it shows you can generate $62,305 a year in retirement income starting League City Reverse Mortgage in 2018. (Note: That example was based on July 19 data.) Its almost impossible even for people who have studied finance to be told at age 55 to take their assets and project them out to age 65 and calculate what annuity prices are going to be at that time, says Jack VanDerhei, research director at the Employee Benefit Research Institute , a nonprofit in Washington. For the vast majority of defined-contribution plan participants, I think this is going to simplify it to the point that they can understand what theyre facing in terms of a shortfall, VanDerhei says. If this actually gets used the way it is intended to, I think its going to be a huge help. BlackRocks index and accompanying tool assume a constant inflation rate of 2.5%. Thats because its tough to find annuities linked to the consumer-price index, and doing so could increase the cost to the point that people think they dont have enough money to retire, says Chip Castille, head of the firms U.S.
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And your income will depend on a number of economic factors, such as interest rates, dividend payout rates and annuity purchase rates in effect at the time you retire. How to avoid going broke in retirement To help you answer the vital question above, here’s the next installment for 2013 of my retirement paycheck scorecard series. It shows you the amount of retirement income that can be generated from $100,000 in retirement savings as of the beginning of July for each of the three RIGs I summarized in my recent post, ” 3 ways to turn your IRA and 401(k) into a lifetime retirement paycheck .” You may want to review that post for background and to familiarize yourself with the advantages and disadvantages of each method. Retirement income generator #1: Interest and dividends only One way to generate retirement income is to invest in a mutual fund that pays a regular dividend and then use just the interest and dividend payments to cover your living expenses. Because you aren’t dipping into your principal, there’s a very good chance you won’t outlive your money. This method also offers the maximum flexibility and access to your retirement savings.
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Retirement income scorecard: Interest and dividends

Before that he was president of The Boeing Aerospace Company, a division which did all of Boeings space work and most of the military products. He now helps people with retirement planning personally and with articles and programs on Aanalyze Now , a site often referenced by The Wall Street Journal and many financial publications. He has three degrees from MIT, has been on advisory committees to the U.S. Congress, Departments of Interior, Commerce, Energy, and Defense, an economic advisor to the Washington State governor, a member of Washington’s Economic Development Council and a member of several university boards. /conga/retirementors/bios/hebeler_henry.html 238932 View all The RetireMentors is powered by When I went to work for Boeing as an engineer, my first supervisor was Max Braun, a very bright guy who employed a number of very simple checks to see if my own detailed extensive calculations were in the right ballpark. Some of these checks were the analytical methods used to design the first 707.
Read the rest here: Back-of-the-envelope retirement planning