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Posted in Travel

Things no one tells you before taking you on a fishing trip

Things no one tells you before taking you on a fishing trip


Deep sea fishing is one of the most popular sports in the world, but some people do not have a clue on what actually goes on, and they do not know what to expect when their friends ask them try one of the fishing trips in the Turks & Caicos Islands. So have you at least heard of this place? In case you have no idea what activities you can try when on the islands, you should know that there are many enjoyable things you can do, and you can visit some wonderful places. But, if you are determined to try deep sea fishing, you should do some research to understand what your day would be like. You have to talk with professionals and find what type of fish you will catch, and what methods you should use, because if this is the first time you try this sport, you may not have a clue on what to do.

What happens on the morning when you arrive at the docks?

When you arrive at the docks, you can be sure that the captain of the charter you book will expect you. They will make sure that you have everything you need for a day on the sea and that you have with you the needed tools and equipment. In addition, you should not be surprised if they ask you about your fishing goals, because they will adjust the plans of the trip according to them. Make sure that you have you fishing license with you, because you will not be allowed to deep sea fishing without it.

What happens if the weather is bad?

You can be sure that the captain of the charter will make sure you are not placed in a dangerous situation while you are on the water. They will determine if you should continue fishing or you should go back to shore. In case the weather is too bad to go offshore, the captain will make sure to reschedule it for another day.

How is the deep sea fishing done?

In case you have not done this before, you should know that in the majority of cases deep sea fishing is done with the help of a trolling method. There are few exceptions when other methods are used. You should ask your captain the method they suggest and details about it if this is the first time you are doing this.

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Posted in Family Business

Trading Real Estate Properties to Keep The Taxman At Bay

If you are thinking about selling real estate property you should know that capital gains tax applies. Capital gains tax is charged on the profit you make when selling a real estate asset for more than you spent acquiring it. When you do sell a property, a lot of your income will be taxed. Fortunately, there is a way you can hang onto your money. Trading property real estate keeps the taxman at bay within the letter of the law. All you have to do is trade real estate properties through a DST (Delaware Statutory Trust) 1031 exchange. You can defer paying capital gains tax on a like-kind exchange, as long as certain criteria are met. If you have ever exchanged basketball cards, you are familiar with how things go.


Why a Trade Is a Good Idea

A 1031 exchange – or a like-kind exchange, Starker – is an investment tool largely used to defer paying capital gains tax. It was named after the section 1031 of the Internal Revenue Code and it implies trading a business or investment asset for another. There is no doubt that it sounds tempting, but is the 1031 exchange worth the effort? Of course, it is. A like-kind exchange offers you the incredible opportunity to avoid paying the capital gains tax associated with selling a real estate property. If you are a real estate investor, you will be able to balance your portfolio right away.

Delaware Statutory Trust for a Trade

DSTs can be successfully used to do 1031 exchanges. A Delaware Statutory Trust is basically a business trust that can be used for holding title to investment real estate. Although the business trust was created under the Delaware law, it does not necessarily have to be established in the state of Delaware. It is very similar to how a Limited Liability Company functions, the only difference is that it qualifies for a like-kind exchange. The best thing for you to do is buy beneficial interests in a Delaware Statutory Trust.

Rules about the Trade

To complete a like-kind exchange, you have to meet certain criteria. Here is a brief description of the various requirements:

  • Invest For Business Purposes. A Starker is not for personal use. Section 1031 is used for business and investment property. It is not possible to swipe a primary residence for a vacation home.
  • Property Identification and Replacement. Upon the closing of the first property, the exchanger has 45 calendar days to find a replacement property. No more than 180 days later, a property must be purchased.
  • 3 Property Rule. Investors can identify up to 3 replacement properties. Obviously, not all of them will be used in the trade, but they are necessary as a backup.
  • Attention Should Be Paid To Mortgages. The mortgage loan will be considered and treated like cash income.

The bottom line is that exchanging real estate properties is not child’s play but you can dodge the taxman. It is important to have a clear understanding of what you are getting yourself into, though, before taking action.

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Posted in Cars

Check these aspects when buying a car for your family

Check these aspects when buying a car for your family

When you start up a family, you know that your days of driving a sport car are over. Once you become a parent, your worry is to drive a car that is safe and secure for your children, and that features enough space. When you expect a child, you may be in the denial phase, when you think that you will be able to work with the sport car you have, but if you try to place inside all the things you will need for a weekend trip, you will notice that there is no room for all of them. According to Edmunds, the 2017 Ford Focus is one of the best solution when it comes to family cars, but if you are not decided if this is the right vehicle for you or not, then you should take a look at the most important aspects you have to look in a family car.

Space is crucial

Every parent you will ask will tell you that the most important aspects of a family car is the space. It is important to have access to the seats, because there is no other way to take care of the children while driving. Also, you may have a dog, and in this case you have to make sure that he has enough room where to stretch when you go in a family trip.

A large trunk and folding down back seats

If you have a large family then you will have to buy in bulk when you go at the supermarket. So, you will find crucial to have the possibility to fold down the back chairs. Also, you may want to easily fit your stroller in the trunk, because there will be a time when you will not be able to leave the home without it. Depending on the hobbies you and your family have, you will need to have enough space for the skiing or camping gear.

Check for side air bags

The majority of parents state that they consider side air bags important in a family car. In case you are not decided yet on this aspect, then it is advisable to buy a car that allows you to turn off the airbag device, because in case you consider that you can make use of it in the future, you can simply turn it on. Overall safety is a crucial feature you should look in a car.

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Posted in Family Business

Find the perfect saddle pad for your horse

Find the perfect saddle pad for your horse

When you have a horse, you consider it part of the family, and you want the best for him. Therefore, you want to make sure that you buy the best accessories, because not only you have to feel comfortable while riding him, but he also has to feel ok in order to behave properly. When it comes to saddle pads, you can choose from different options available on the market, so you only have to take a look in online stores and decide which one of them you prefer. You will find online pads that feature gel, cotton, wool or foam, so you have to research in order to decide which one is the right one for your horse. If you pay attention to some tips, you will find if you need to buy fur lined saddle pads for horses, or other types of pads.


Check the material

The material of the saddle pads are an important aspect to check when you purchase them. The majority of saddle pads feature a fleece bottom. You have to check the quality of the fleece if you opt for this option, because sometimes the chemicals from the horse’s sweat can affect the material, and the pad will become unstable. You also have the possibility to buy felt pads, because they come with the great benefit that are able to draw sweat from the skin of the horse and they transfer and dissipate the heat in the felt.

The shape of the pad is important

In this case, you will have to pay attention at the way your horse looks, because different types of horses have different bodies, and you have to choose the right type for yours. You can buy a contour one, if your horse has prominent withers or a slight dip in the back. If you have a horse with a normal wither, then you should buy a straight saddle pad. In case your horse has a short back, then you should buy a round skirt saddle pad. If you have a strong-shouldered horse, then you should take a look at the orthosport models of saddle pads, because they feature a second layer of padding. They are great because they assist the distribution of the pressure on the back of the horse, and achieve a better saddle fit. When you visit a specialised store, you will find there all the details you need to know to buy the perfect saddle pad for your horse.

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Posted in Healthy Family

Working in France – Everything you should know about sick leave

Working in France – Everything you should know about sick leave

Showing up to work on a day in which you feel like staying in bed due to sickness in simply horrible. Although your sickness might not be life threatening, the symptoms make normal functioning unexpectedly hard. In such cases, sick leave is something you should look forward to and your employer should offer the possibility of doing so. If you work under a foreign working regulation, you must be up to date with the laws in force and all the necessary forms, such as those necessary for CPAM. However, if you are interested in finding out more about these regulations in France, make sure you keep reading below.


1. You don’t have to stay exclusively indoor

Regardless of what many say, you don’t have to confine in your house’s comfort. While you will be verified, you are not a prisoner in your home. However, you still have to schedule your absence from home, and it is only motivated by medical visits and appointments. In order to maintain your financial compensation, you have to be at home between two hourly intervals, namely 9 and 11 and 14 and 16. CPAM has all the necessary forms, such as the déclarer arret 93 and it usually authorises every outdoor inquiry of a sick person.

2. You have certain obligations during sick leave

Although it is your right of compensated sick days when needed, you certainly have a couple of obligations in order to benefit from them. First of all, you must justify your absence from work. And for this it is required a medical certificate from your physician. You will take it to CPAM and your employer as well. The CPAM agency needs it because they manage sick leave in France and in order to justify your financial compensation during these days, you have to motivate properly your absence. The medical certificate is formed from three parts, the first two being necessary for CPAM and the last part for your employer.

What are the compensations during sick leave?

The company you work for does not have to assure your compensation for the first two days of sick leave. Nonetheless, if your medical leave is longer than three days, your salary will be assured by social services. However, make sure you check with CPAM if you meet the requirements for receiving a daily allowance. They are the most appropriate institution for this purpose. As a general rule, those working for a year in a company have the right to receive an allowance, and so do those who worked for about 200 hours in the last three months. You must know that everybody meeting these requirements is entitled to receive 50% of their wage.

These are some general rules you should know about if you work under French regulations. Make sure you become familiar with them because on them depends how well you will be treated by your employer and the allowance you are entitled to receive for your sick leave.

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