Friday

Find Cheap Treadmills For Sale

Cheap treadmills for sale is something that many people looking to get into or get back into shape will try to find.Acquiring a second hand treadmill to use in your home gym is an excellent idea. Treadmills are very user friendly pieces of exercise equipment. They need very little special competence for use, you just have to know is how to walk in a straight line, and persons with leg problems find the belt to be a sublime shock absorber. In addition, walking or slowly pacing on a treadmill means you do not have to brave the wind or cold just to get a decent workout. People of all ages enjoy having treadmills in their house so they don't have to costly gym fees so they can get the pluses of a treadmill.

Nonetheless, getting hold of a brand new treadmill can occasionally cause the same shock purchasing a gym membership can. This is why buying a second hand treadmill for your family can be a fantastic idea.

What You Must Look For In A Treadmill

First, think about the power. Weaker motors wear easily. If this is a piece of fitness equipment you intend to own for a length of time, you do not want something that will wear out. Don't mistake this with max horsepower. You're looking for steady flowing horsepower.

Secondly, think about treadmill speed. They are made for one or the other, walking or running, generally not both. Get one that fits your exercise needs. Next Step, choose whether or not you want a treadmill with programming. This is fine for some people, while others hate it. Go with what suites your needs, because if you do not want one, don't spend the extra dollars for it. You also want to think about belt dimensions, the durableness of the deck, the type of incline you require, and the support rail options you desire.

Purchasing Second Hand

If you come by a second hand treadmill at a closing down sale or through alternate ways, you are buying just that - a second hand treadmill. On the other hand, if you want to save yourself some cash, but you also want a bit more quality than you can find at a garage sale, consider a refurbished or renewed treadmill. These, at times, can be just as good as purchasing a new machine.

There are a host of good online shops who sell second hand, refurbished or re-manufactured treadmills. The best idea is to compare a few of these different online retailers for additional expenses (e.g postage) and customer testimonials and treadmill warranty. Just because you are paying under market rates doesn't mean you should get a bad machine or bad quality of service.
Article Source : http://goo.gl/IxTCH

Thursday

Inheritance Tax On Mallorca Real Estate - How To Reduce It

Inheritance Tax in itself is something that we all want to avoid for our beneficiaries and there are some very weird and wonderful ways to do that, both hypothetically or with actual structures that I have seen. Most of us fall outside these structures simply because the cost of setting these up is prohibitive and for most of us, would cost more than the tax they are set up to try and avoid.

Nevertheless, there are some simple things to bear in mind when buying real estate in Majorca and how you both structure and finance the purchase that will ensure that your beneficiaries pay as little tax as possible.

Spanish Inheritance Tax is applied to the equitable value of the asset that is being inherited and to the proportional amount of that asset that is being inherited. Although there are many values that can be considered, for real estate, the real market value of the property is the one that is used (as opposed to municipal land values for example).

Therefore, if a husband and wife own a property jointly, unless otherwise specified, they each own equal share, therefore 50%, of the property. If either should decease, and name the spouse as the benefactor, then the proportional amount of the property that is being inherited is 50%.
This means that you only pay tax on HALF of the taxable value of the property. So, for a 500.000 euro property, the beneficiary would be liable for inheritance tax on 250.000 euros.

Now, consider the case where there is a mortgage against the property. This means that the equitable value of what is being inherited is the market value less the mortgage. Consider the above example of a 500.000 euro property with a 400.000 euro mortgage, then the equitable value of what is being inherited and therefore liable for tax is reduced to 50.000 euros.

Now lets say, we add the 2.2 children to the purchase structure! OK, just the two kids then, therefore we have 4 owners each with an equal 25% share in the property. In this case, if as before there is a 400.000 euro mortgage and the prime beneficiary is the spouse, then the inheritance tax liability is now reduced to 25.000 euros.
Note: Please note the above figures give the Inheritance Tax Liability NOT the amount of Tax to be paid! For the mortgage to be considered against the property, it must be a Spanish Mortgage listed in the Property Registrar with the Property in question.

So, to minimize the Inheritance Tax to be paid by your beneficiaries, put them on the title deed, mortgage and remortgage the property in Spain (remember if your property price is significantly revalued, so is the inheritance tax liability) to the highest amount possible. Even if you don't need the extra capital, take it and use the capital released by the mortgage for other investments, there is an additional benefit by reducing your annual wealth tax liability.

One final piece of advice. As a non-resident owning property in Spain, it is imperative that all title deed holders have a Spanish Will / Testament. The reason for this is fairly simple, it ensures smooth and inexpensive probate of the Spanish assets that it covers (and it can be written to only covers the Spanish assets). Although foreign wills are accepted and can be executed in Spain, the associated process of translating, notarizing and legalising is a nightmare, to say nothing of the expense.

Sebastiaan Kemna has been in the Real Estate business in Mallorca for over 10 years and runs a very successful Estate Agency in Santa Ponsa.

Article Source: http://EzineArticles.com/1027142

Tuesday

Marina Berths in Spain as An Alternative Investment

Since the late 1960's and early 1970's, and the start of tourism and package holidays, Spain has been transformed into one of the leading European economies, with a diversified market covering both the manufacturing and service sectors. Between 1961 and 1973, the so called years of development, the Spanish economy grew at 7% a year with a per capita income of $500 per year. After joining the EU in 1986, Spain once again had one of the world's fastest growing economies, with annual growth averaging 4.1% in the period between 1986 and 1991, compared with an EU average of 3%. Likewise, foreign trade grew from $23.8 billon in 1975, to $52.5 billion by 1980, and to $143 billion by 1990. Today, the economy of Spain is the fifth largest in Europe, accounting for around 9% of EU output. Income, at 78% of the EU average, is among the lowest in the EU, although it is well ahead of Ireland, Portugal and Greece. Spain's main trading partners are France, Germany and Italy for exports, and Germany, France and Italy for imports.
Spain's most important industries include tourism, chemicals and petrochemicals, heavy industry, and food and beverages. Spain is also Europe's fourth largest manufacturing country after Germany France and Italy. The principle growth areas include tourism, insurance, property development, electronics and financial services. Tourism is one of Spain's most important industries, especially in Andalucia, earning approx. 4% of GDP and employing some 10% of the workforce, both directly and indirectly. With over 5,000 kms of coastline, and a unique blend of almost perfect year round weather and Mediterranean lifestyle, Spain has become a Mecca for holidaymakers and boating enthusiasts alike. With the advent of the low cost airlines, a weekend trip to Spain has now become the norm for many European travellers, and the huge Eastern coast, all 750 miles of it, is still home to more British boats than anywhere else in the Mediterranean. Whilst the booming economy and influx of foreign visitors in the seventies and eighties certainly caused it own unique problems, the development of smart marina complexes such as Sotogrande, and the hosting of the 2007 Americas Cup in Valencia, are undoubtedly attracting the boating enthusiasts back in huge numbers. Increasingly, many of these enthusiasts are also buying second homes, either as a holiday home to enjoy their boat on trips to Spain, or indeed to retire. In terms of demographics, the generation of buyers termed the 'baby boomers' (currently 42 - 58 years old), is now due to retire within the next 10 years. With considerable wealth, which has been built on property, business interests and inheritance, they have little desire to see these assets taxed on death. This trend is now being seen throughout Europe, and in a cultural change, this age group is retiring earlier, spending more of its wealth, and in general enjoying life to the full.
In the UK, this exodus which was once a small trickle has now become a torrent. Increasingly wealthy, and healthy, individuals are moving abroad, encouraged by the media and low cost travel, in order to enjoy a more relaxed and enjoyable life in the sun. With global demand for recreational boats estimated to reach $24 billion by 2006, projected growth of annual sales worldwide of 7%, and with Europe experiencing the highest growth in the last five years, there seems little to stop the European market growing and expanding further in the next few years. Owning and maintaining a boat in Spain is becoming easier, cheaper, and considerably more enjoyable than the UK. With the advent of cheap flights, more scheduled services, and new infrastructure, it is easier and quicker to reach the Spanish coast and be on the water, than it is for an owner in the Midlands to reach his boat in Southampton. The Spanish coastline is divided into six Costas - the Costa del Sol is the most southerly, followed by the Costa Calida, Costa Blanca, Costa del Azahar, Costa Dorada and the most northerly, the Costa Brava. The atmosphere on Spain's coastline varies enormously from Costa to Costa and from marina to marina. From the small and beautiful Cabopino to the glitzy Puerto Banus, where yachts are squeezed in purely to be admired by the less well off passers by!
Major cities such as Valencia, Almeria, Malaga and Barcelona offer marina facilities right at their centre, an option that is becoming more popular as many cities are being turned into world class destinations. Valencia in particular is beginning to rival Barcelona, as the impending America's cup has drawn billions of euros of investment into the area. Marinas and boating facilities on both sides of Valencia such as Denia, and areas to the south of the city, are feeling the benefits. The islands of the Balearics cover a tiny fraction of the Mediterranean, yet are perhaps one of its most popular cruising areas, and as such are the most densely populated with boats. In recent years Mallorca has shed its night club image, and a huge marketing campaign has pushed the relatively unknown and more beautiful aspects of the island. A recent article in the Majorca Daily Bulletin outlined the amount of money being invested in property and yachts on the island by UK city traders. With bonuses in excess of 1m euros, these buyers not only want a house, but a yacht to match. This, like elsewhere, has led to unprecedented demand for mooring space. Whether boat owners want a quiet laid back marina, or one with a busy night life, the one thing they all have in common is a lack of adequate berths, both in size and availability. The shortage of berths in the Mediterranean is getting worse. There are currently an estimated 160,000 boats waiting for a long term space and skippers lucky enough to have one are sitting tight. Only recently, a report commissioned by the Spanish Government concluded that in 2005, a total of 2,300 yachts will be looking for berths in Andalucia alone, and by the year 2020 that this figure would leap to over 5,000 yachts in just this one area. The report concludes: The demand from the nautical sector of the tourism market, on the Costa del Sol alone, is reaching unprecedented figures, which can only be remedied by a dramatic upgrading of facilities. Indeed the 11 ports on the coast, which cater for yachts, only have 4,200 mooring points between them. Figures issued by the Costa del Sol Tourist Authority suggest the Costa's ports would need to increase by 300% the number of available mooring spaces just to satisfy current requirements.
The Director-General of the Costa del Sol Tourism, Ana Gomez said "We are lacking many mooring points and because of this waiting lists are tremendous. She went on to explain that due to the marinas being at saturation there was little benefit to be had from marketing and promotion. Nearly 60% of owners were tourists predominantly from Germany, France and the UK. With the lack of availability, prices of berths have risen dramatically, along with the annual rentals demanded by owners. This has compounded the problem, as investors are now moving into the market with the prospect of long term capital growth, coupled with excellent rental returns of between 8% and 15%. Berth prices vary enormously and depend on several factors, including the size (length and width), location (both of the marina, and position within the marina itself), and the length of lease remaining. In general they start at 50,000 euros approx. and go to several million for the very biggest. As an example there is currently a 20m berth in Sotogrande for sale at 600,000 euros - a similar size berth in Puerto Banus would sell for well over a million (if one were available!) When a new marina is established, it is leased to the port operator by the Government for a fixed period. These periods are normally between 30 and 50 years. The berths are then bought and sold on a leasehold basis only.
Gradually over time, the length of the lease left on a berth becomes shorter depending on the date the original lease was granted to the port operator. Typically berths will have leases remaining of between 15 and 25 years. Naturally in a brand new marina, the berth would have a full term lease. Each berth will have its own escritura, essentially a land title document, which is signed and witnessed by a notary in any sale or purchase. Each berth is defined by its size and a reference number on the port authority plan. Berths are always quoted in length and width ie. (8m x 3m).The bigger the boat, the wider the berth has to be! Berths are bought and sold by brokers. The largest of these is Genus Marine Leisure, who has been working in Spain for nearly 20 years. The prices for any particular berth are dictated by supply and demand, and with so much experience, Genus know all the marinas intimately and can therefore price their berths to sell at sensible market prices. If it is considered that the owner is asking too much, the berth sale is refused. In some marinas it is only possible to buy the berth, but not to rent it out to someone else (this was a condition of the original lease to the port authority).
We can supply a list of these (if required). In these marinas boat owners can only use the berth themselves. Sailing conditions in the Mediterranean are virtually perfect, as there are no tides to cause problems either in sailing conditions or in entry or exit to marinas. In the UK (as elsewhere) trips have to be planned extremely carefully to ensure that the boat can both leave and enter the port with the tide. This can mean waiting for hours for the correct conditions - something that never happens in the Med! In the UK, boating is restricted to the summer months (3 at best) - more and more owners are now moving abroad to have access to 12 months of sailing in warm and calm water. Motor boat enthusiasts tend to berth around the Costa del Sol marinas for two reasons. Firstly the diesel in Gibraltar is substantially cheaper than in Spain. Secondly the weather conditions are smoother and calmer. (The Costa de La Luz facing the Atlantic is noted for its windy conditions and attracts the windsurfers) Sailing enthusiasts tend to berth further North, towards the Balearics, as there is generally more wind, and therefore better sailing conditions. In Spain, as elsewhere throughout Europe, there is an extremely strong environmental lobby which has grown in strength in the last decade, particularly with the election of Green MEP's to Brussels.
Throughout the world, environmentally sensitive areas are being protected and designated as areas of outstanding natural beauty or as nature reserves. The argument for building more berths has never been stronger, but neither have the environmental pressures on an already developed coastline. The Spanish Costas, and particularly the Coast del Sol, have been warned of impending environmental catastrophe if development is not brought under control. The Government is an extremely awkward position, since eco tourism is destined to be a major growth market in the next decade. However it is also acutely aware of the lack of facilities and berths for boat owners and operators. Plans for new marinas are constantly proposed, but generally drag on for many years through lengthy planning and lobbying meetings. Motor boats in particular are not considered to be environmentally friendly. Accidental fuel discharge and emptying of tanks in port (accidental or otherwise) do not help.
Whilst the Green lobby is fighting to prevent further marina development, the availability of berths becomes more acute. In Italy recently, a new law has been introduced banning motor boats from coming within 200m of the coastline, making it illegal to anchor in rocky inlets and coves. All of this helps to push prices of berths even higher. Berths that were selling for 10,000 to 20,000 euros a few years ago, are now changing hands for 80,000 to 100,000 euros. This trend can only continue with the lack of new marinas being built. As a specialist marine financial services company Marinablu offers a unique facility with our Spanish banking partners to provide berth finance, tied directly to the berth itself. This facility is only available via ourselves. This allows our clients ( whether boat owners or investors ) to raise capital against the berth itself. Existing owners are also able to release equity from their berths to buy a bigger boat or simply to re-invest in another berth.

Article Source: http://EzineArticles.com/406334

Sunday

Benefits of Life Insurance - Financial Security


There are many benefits of ensuring that you have life insurance in place. The primary reason for taking out life insurance is usually to ensure that your family are in a position of financial security in the unlikely and unfortunate event of your premature death.
For those of us that are responsible for bringing home the main income to our household it is vital to have adequate cover in place so that our income is replaced if we are not there to provide it any more.
Of course it is not an ideal scenario for anyone to consider but if you will, picture the consequences bestowed upon your family if you are no longer around to pay the bills, the mortgage, provide food to name a bare few things. If you have young children, who will pay for their education? Of course the emotional trauma will be enough of a burden to your loved ones but the benefits of life insurance in the form of financial security can offer some form of comfort and will make life easier for them.
Even without having a family whose financial future you need to take care of, there are other benefits that life insurance can provide. If you have a partner who you have a joint mortgage or debt with, by taking out joint life insurance you can ensure that the surviving partner is not left with the debt. Life Term Insurance is often referred to as mortgage life insurance as it can be taken out alongside a mortgage as security not just for you but the lender.
On a more positive note, the peace of mind that life term insurance can provide whilst you are still in the land of the living is invaluable. The price of life cover is relatively inexpensive and by visiting a number of insurers or a price comparison website it is ever so straight forward to obtain a competitive premium.
It is a common misconception that insurance is expensive or that it is another unnecessary addition to the bills at the end of the month. This is not the case at all. With so many insurers encouraging consumers to do business on-line, in life insurance which is an already cheap product to buy, it is made even cheaper by insurers offering further savings by having applications made this way.
As everybody's circumstances in life can change frequently it is important to review your insurance needs on a regular basis and if required additional cover taken out. Marriage, moving house, having children are all things that can lead to the need of further need for life insurance.
There are a number of life term insurance products available whether it is whole of life or a term life insurance policy the benefits of life insurance are the same across the board, a lump sum payment upon death of the life insured to those that a financial dependent on you. Financial security is something that every family deserves especially in a time of need.

Article Source: http://EzineArticles.com/3966483

Friday

Body Jewelery Is Affordable

Affordable materials like glass, steel and plastic are used currently in the making of body jewelery leading to jewelery being affordable to anyone. Precious metals like platinum and gold are still used in making body jewelery at affordable prices.

The jewelery is accessible

Body jewelery is sold online. Some online distributors might offer non-impeccable and low quality jewelery. This calls for you to be keen as you buy your best jewelery online. This shows that the jewelery can reach where you.

The jewelery is easy to clean

Before you use any body jewelery, clean it first. It is true that suppliers of jewelery might be selling sterilized and cleaned.   It is vital to note that once they are removed from the packets they are no longer sterilized hence the need for you to clean your jewelery before use. Also, the jewelery should be cleaned especially when one is dealing with a fresh piercing on the body. Cleaning of jewelery is not very demanding since hot water can cleanse the jewelery effectively.  You can also clean the jewelery with the use of alcohol based products or alcohol itself. This is easy; people simply rub the body jewelery with alcohol or alcohol based product. Nevertheless, jewelries have been damaged by such traditional ways of cleaning. To clean the jewelery effectively, you need an anti-bacterial soap. This soap cleanses the jewelery easily and quickly. It is good to be reminded that soaking your jewelery damages it through fading.

Professionals in piercing exist

In case you are handling a new piercing, it is good to visit a professional piercer. This is due to the fact that such piercers have autoclaves used in sterilizing. Nevertheless, any piercing that has not yet healed and recently stretched piercing should also be handled by professionals in piercing for quick and effective healing. It is worth to note that autoclaving suits few body bars. It is vital to note that titanium can discolor and plastics and acrylic can also melt during the process of autoclaving. Therefore, it is advisable that autoclavable bio flex or plain surgical steel are used in fresh piercings. To enjoy your body jewelery, ensure that the jewelery you use for body piercing is already autoclaved. Remember not to change the autoclaved jewelery until your pierced area has fully healed.

People should not limit their options by wearing only the autoclaved body jewelery. Research has indicated that after a pierced area has healed, people can wear any jewelery without health problems occurring on the pierced area.


Article Source : http://bit.ly/KhNdRI

Monday

Guided Tours of Rome and the Vatican

Planning a trip to Rome? Seek the help of guided tours of Rome and Vatican to ensure that you have a fantastic time in one of the most historical places on globe.There are different types of guided tours of Rome available but you must ensure that you are selecting the right one.Rome is one such city that dates back to Biblical times.Thus, there are many ancient ruins to visit, majority of them related to historic events and religious aspects.So, no Rome tours are complete without visiting such places like Parthenon and The Colosseum.Tourist from all over the world flocks around Rome to enjoy its fantastic architecture, world famous artwork and fascinating history.Rome has many things to offer to its tourist.

The major attractions of Rome include Vatican City and Vatican Museums.The Vatican & the Sistine Chapel tour offer a glimpse of one of the fascinating places of Vatican Museum.With more than 2000 rooms and 9 miles of world's most extensive art collection Vatican Museum is splendid.The museum is filled with treasure and history.To experience Rome more intensely, private tours of Rome are highly recommended.While selecting guided Rome city tours make sure that your tour guides have official license.This means that these guides are authorized by Vatican to skip the long queue.These guided tours of Rome ensure that your visit to Vatican is devoid of crowds and heat.The guides in these tours generally are English speaking Vatican licensed tour guide.They personally cater to tourist to ensure that visit to Vatican City remains an unforgettable and special journey.

To explore the beauty if Rome, tourist can always opt for private tours of Rome to ensure that your visit is not limited to only the regular tourist spot.In these private tours,the guides know the city very well thus allows getting more that just regular Rome visit.They know the locals very well and thus tourist get a chance to be a part and parcel of the local life with Rome.Private tours of Rome have many advantages.It allows tourist to enjoy Rome like they want and make the list of their own tours.The guides also help tourist in selecting the right places to ensure to that tourist feel the real Rome. Moreover,irrespective of where you are travelling, security and safety should not be compromised.In most of the popular tourist places,there are many tourist traps laid by unscrupulous people.But with private tours of Rome tourist can ensure his and his family's security without facing any kind of restriction.

In most of the standard guided tours of Rome sightseeing is offered. Here, tourist can explore the classical attractions of Rome combining art,city life experience and sight seeing.The site includes Pantheon, Piazza del Popolo,Piazza Navona, Trevi Montain, Spanish Steps, Marcellus Theatre,Italian Senate House etc.Also tourist can taste the famous traditional pastries and ice cream flavours all made in authentic workshops.

Rome is no doubt one if the most amazing cities of the world.With centuries of history and some of the best architecture of the world,Rome has fascinated tourist from all over the world.Enjoy Rome city tours with proper guided tours.
Article Source : http://bit.ly/HfmGXa

Very popular promotional gift ideas for Christmas

Promotional Christmas gifts are an excellent way to all your customers and employees with high quality consumer-friendly prices. Employee Gifts, presents and gifts for students cheap clubs, fairs, exhibitions and conferences can be found online today at discount prices.
Internet-based promotional gift suppliers offer high quality gifts at discounted prices and also trade. These promotional products are often marked with the manufacturerLogos .. Instead, buyers can see in this popular promotional gifts, trade mark, logo or words. It 'too much for hopes that the Christmas presents useful is to buy the receiver.
Examples of what can be found online businesses are as follows;
Promotional office products Desktop Items include desktop computers, watches Executive, elegant pens, and all kinds of desktop products useful. Institutions, companies and associationsOften, desktop items promotional mark with their important information, so that these desktop items to help support their important information in office environments remain ad. Low-cost Christmas gifts can pen pots, photo frames, watches, or belong to the note holders.

Toys: Rubik's Cubes Colorful branded gaming executive, boomerang and puzzles, all message types and brands with a logo important. Gift popular word games for groups often Yo-Yo, magneticGames, Puzzles and keyring / or office fun promotional stress toy ball. There are also Frisbee toys, gifts can be printed as a pet and Christmas. Whimsical pens and pencils are always fun set of useful gifts for the group of children.

Electronics: Today, all enjoy their high quality electronics. Fun Christmas inexpensive gifts for lots of fun, a light-up computer mouse, laptop bags, the logo of the club or CD / DVD tray and boxes. RingtonesThe owners and small notebook with them to be beautiful and popular promotional gifts, use all kinds of people possible.

Sport: routine healthy lifestyle practiced by many individuals today. It 'can get hold of vitamins, sports bikes colored bags or rucksacks. pedometers printed logo, team games, cup holders and water bottles to fashion and travel in style are all excellent range of gift ideas for clients of mass or higher.

Crowd pleasers: always, when largeThe amounts of Christmas gifts are bound to be at very low prices, a club bookmark useful bottle opener key ring or fridge magnet fun and useful could be done. Printed coffee mugs, caps, advertising, badge or fun badges, and all types of key are always nice to receive gifts.
Promotional Christmas should be ordered early to avoid problems with time list disappointments can be avoided. Start your shopping early and go shopping for gifts for many, a simple andExperience.