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Saturday, July 14, 2012

Personal Finance: 5 Countries with Zero Income Taxes : Bryan Ellis ...

Although moving to an exotic locale without income taxes may sound like paradise, some of the associated taxes and political costs may give you pause.

You have probably heard news coverage about wealthy Americans renouncing their U.S. citizenship not because of philosophical issues with the country or a desire to make a political statement, but instead simply to save money on their taxes. One of the most recent and widely-covered examples of this is Facebook co-founder Eduardo Saverin, who renounced his citizenship immediately before the social network went public, reportedly saving himself millions and millions of dollars in taxes. Saverin paid an ?exit tax? that included ?approximately 15 percent of the pre-IPO value of his shares,? but will not pay capital gains now that he lives in Singapore[1].

Think that no income taxes sound like a good idea? Here are 5 countries with no income taxes that might be calling your name[2]:

United Arab Emirates
Instead of relying on income taxes for revenue, this country relies on taxes from oil companies. The UAE is the third-biggest exporter of crude in the world. UAE citizens also must contribute five percent of their total earnings for social security.
Oman
This country also derives most of its revenue from crude oil but requires contributions of 6.5 percent for social security. Property purchases are also taxed at three percent. Of course, you might not really want to live in Oman right now, thanks to 24.4 percent unemployment and turmoil created by the Arab Spring.
Cayman Islands
Although this country has no income taxes, value added taxes, or government sales taxes, import duties can be as high as 25 percent and the cost of living is extremely high. Average home prices are more than three-quarters of a million dollars.
Bermuda
Although there are no income taxes in Bermuda, there are a variety of ?contributions? that could eat into your paycheck if you work there. Workers may be required to contribute 5.75 percent on a payroll tax and must pay a little over $30 each week toward social security insurance. There are also a variety of stamp duties and other transactional taxes, and the cost of living is right up there with the highest in the world.
Bahamas
The Bahamas may have no income tax, but it also has 15 percent unemployment. 70 percent of government revenue stems from import duties in this country, and self-employed individuals must pay a hefty 8.8 percent of their salary to ?National Insurance,? a form of social security.

Would you renounce your citizenship to avoid paying income taxes? If so, where would you move?

Thank you for reading the Bryan Ellis Investing Letter!

Your comments and questions are welcomed below.

[1] http://abcnews.go.com/blogs/business/2012/05/facebook-ipo-eduardo-saverin-defends-citizenship-move/

[2] http://www.cnbc.com/id/48054006?slide=2

Category: Personal Finance

Source: http://investing.bryanellis.com/2767/personal-finance-5-countries-with-zero-income-taxes/

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Native Americans arrived in at least three waves, finds DNA study

A genetic study of Native Americans from Greenland to Peru has found that the Western Hemisphere was populated by at least three distinct migrations from Asia.?

By Eryn Brown,?Los Angeles Times/MCT / July 12, 2012

A member of the Aztec nation waits for the beginning of the Native Nations Procession during the opening festivities for the National Museum of the American Indian in Washington, DC in 2004. A new study of Native American DNA from Greenland to Peru has discovered that ancient people traveled from Asia to the Americas in at least three separate migrations.

Andy Nelson/The Christian Science Monitor

Enlarge

Supporting a controversial view of how humans might have populated the Western Hemisphere, geneticists have found that groups from Asia traveled over the Bering Strait into North America in at least three separate migrations beginning more than 15,000 years ago ? not in a single wave, as has been widely thought.

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?We have various lines of evidence that there was more than one migration,? said Dr.?Andres?Ruiz-Linares, a professor of human genetics at University College London and senior author of a report on the findings that was published Wednesday by the journal Nature.

The discovery was made possible by the sheer volume of genetic material the team was able to assemble and analyze, he said.

Ruiz-Linares?and colleagues around the world analyzed DNA samples, primarily from blood, taken from hundreds of modern-day Native Americans and other indigenous people representing 52 distinct populations. These included Inuits of east and west Greenland, Canadian groups including the Algonquin and the Ojibwa, and a larger variety of people spanning the southern regions of the Americas from Mexico to Peru.

Investigating patterns in more than 350,000 gene variants, the scientists determined that most of the groups they studied did indeed descend from an original ?First American? population.

However, they also saw that Eskimo-Aleut populations of the Arctic inherited almost half of their DNA from a second ancestral group, and the Na-Dene-speaking Chipewyans, from Canada, got about 10 percent of theirs from yet another group.

The results lined up nicely with a controversial model for the colonization of the Americas that was proposed in 1986 by Stanford University anthropological linguist Joseph Greenberg,?Ruiz-Linares?said.

By examining similarities between many native languages, Greenberg argued that the Americas were populated through three distinct migrations. But his hypothesis was widely rejected by researchers who didn?t agree with his classification of languages.

Source: http://rss.csmonitor.com/~r/feeds/science/~3/ujH1zE0swtU/Native-Americans-arrived-in-at-least-three-waves-finds-DNA-study

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Friday, July 13, 2012

First lady, Smithsonian museum honor top designers

First lady Michelle Obama smiles as she honors the Smithsonian's Cooper-Hewitt National Design Award winners, Friday, July 13, 2012, in the East Room of the White House in Washington. A District of Columbia police officer who worked as a motorcycle escort for the White House and other officials has been moved to administrative duty after he allegedly made threatening comments about Michelle Obama. (AP Photo/J. Scott Applewhite)

First lady Michelle Obama hosts the Smithsonian's Cooper-Hewitt National Design Award luncheon in the East Room of the White House in Washington, Friday, July 13, 2012. A District of Columbia police officer who worked as a motorcycle escort for the White House and other officials has been moved to administrative duty after he allegedly made threatening comments about Michelle Obama. (AP Photo/J. Scott Applewhite)

WASHINGTON (AP) ? Michelle Obama said the nation's top designers in fashion, architecture, landscapes and technology were making life better through their everyday work and honored them at the White House on Friday.

The first lady joined the Smithsonian's Cooper Hewitt National Design Museum in hosting a luncheon in the East Room for winners of the National Design Awards. The New York City-based museum presents the awards, along with a design fair for Washington teens to meet some of the nation's top creative minds.

Richard Saul Wurman, who created the popular TED conferences for discussing technology, entertainment and design ideas, won the Lifetime Achievement Award. The first lady added that he was "quite dashing and sassy" after meeting him Friday.

Thom Browne, who designs the Black Fleece line for men and women by Brooks Brothers, was honored for his fashion design that evokes the late 1950s and early 1960s. Winners were also named interior design, product design and other sectors.

Obama told a crowd of designers from companies like Facebook, Nike and New York's fashion scene that the design winners help improve daily life through their work.

"Every day, these visionary designers are pushing boundaries, creating and revealing beauty where we least expect it and helping us all lead healthier, more sustainable lives," Obama said. "From the clothes we wear to the technologies we use to the public spaces we enjoy, their work affects just about every aspect of our lives."

The first lady hailed the nonprofit design firm Design that Matters in Cambridge, Mass., which partners with social entrepreneurs to address needs in developing countries, including a neonatal incubator made of spare car parts and a projector for nighttime adult literacy classes in Africa. The company won the design award for corporate and institutional achievement.

She also saluted Wurman, who is an architect and author known for his travel guidebooks. He began TED conferences in 1984 and they would introduce such innovations as the first Mac computer, the Segway and the first announcement of Google, among other creations.

Obama said Wurman has spent his career transforming information into knowledge to help people better understand the world.

"But in the end, as he put it," Obama said, "he does this work 'not for fame, fortune or money,' but 'just really to do something good.'"

After the ceremony, Wurman said he treasured the award and cried when he heard he was receiving the honor.

Atlanta-based architects Mack Scogin and Merrill Elam, a husband-and-wife team, won the top award for architecture. Scogin said it was a unique honor to receive at the White House but that design has historically been part of the U.S. presidency.

"Thomas Jefferson is still one of the great ? he was not an architect ? but he was one of the great architects in American culture," Scogin said. "His interest in the visual and making spaces is always to this day still original thinking."

The architects joined a teen design fair at the Smithsonian earlier in the day to share their careers with teens from Washington and New York City. Elam said there's great design around the world now, so the nation needs to cultivate its next generation of innovators.

"There's no reason that American design shouldn't be the most inventive," she said. "We have the most freedom of any place on the face of the earth, and our design work should just reflect that on and on and on."

Other winners included:

? Design Mind Award: Janine Benyus, a biologist and innovation consultant working to use biomimicry, looking to nature to create sustainable designs.

? Design Patron: Red Burns, an arts professor and chief collaborations officer for the Tisch School of the Arts at New York University for her innovations in communications technology.

? Communication Design: Rebeca Mendes, a professor in media arts at the University of California, Los Angeles.

? Interaction Design: Evan Roth, an artist who visualizes and records often unseen moments in public spaces and collaborated with Jay-Z on the first open-source rap video.

? Interior Design: Clive Wilkinson Architects, a Los Angeles-based firm whose clients have included Google, Disney and 20th Century Fox.

? Landscape Architecture: Stoss Landscape Urbanism, a Boston studio that works in both landscape design and urban planning.

? Product Design: Scott Wilson, founder of the Chicago-based studio Minimal that collaborated with Microsoft to design Kinect for Xbox 360 and who created TikTok watches for the iPod Nano.

___

Online:

Cooper Hewitt National Design Museum: http://www.cooperhewitt.org/

___

Follow Brett Zongker on Twitter at https://twitter.com/DCArtBeat

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/4e67281c3f754d0696fbfdee0f3f1469/Article_2012-07-13-Michelle%20Obama-Design/id-47a69d8fc2f846c68f3cd5c0fe67ad54

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Sony Xperia SL'e ait oldu?u ?ne s?r?len ilk g?rsel payla??ld?

Sony Mobile'?n yeni modeli Xperia SL'e ait oldu?u ?ne s?r?len ilk g?rsel bug?n internette payla??ld?. Xperia S ile ayn? tasar?m? payla?an Xperia SL, menek?e ve pembe renk se?enekleriyle dikkat ?ekiyor.

Xperia Blog'un g?vendi?i bir kayna??na dayand?rd??? bilgilere g?re Xperia SL, Xperia S'in farkl? renk se?enekleri eklenmi? ve i?lemcisi g?ncellenmi? versiyonu olacak. Xperia SL'in 1.7 GHz saat h?z?nda ?al??an ?ift ?ekirdekli Qualcomm MSM8260 Snapdragon S3 platformuyla gelmesi beklenmekte. Xperia SL'in ne zamandan itibaren resmiyet kazanaca?? ise hala belirsiz.

Sony'nin daha ?nce benzer bir stratejiyi Xperia Arc ve Xperia Arc S'te izledi?ini hat?rlatal?m. Xperia Arc'?n i?lemcisi 1 GHz h?z?nda, Xperia Arc S'in i?lemcisi ise 1.4 GHz h?z?nda ?al???yordu.

Source: http://www.donanimhaber.com/Sony_Xperia_SLe_ait_oldugu_one_surulen_ilk_gorsel_paylasildi-34705.htm

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Creating A Check List For Home Renovations | Home Remodeling ...

Have you thought about sprucing up the look of your home? If so, careful planning is important to realize completion of a successful project. You can minimize the hassle involved in your home improvement project by checking out these handy tips.

Don?t forget to check the condition of the caulk in your bathroom from time to time. Remember to check the state of the caulking around the sink and tub in your bathroom from time to time. Many times small holes will start to show, and if moisture gets into the walls in the home, mold can grow and may cause respiratory troubles for some people. Water that seeps through any holes and cracks in the caulking can flow through to the floor, and that can cause it to rot. Make sure to get rid of all the old caulk and clean the surface before reapplying the new caulking. Doing so ensures that the new caulking can hold up to wear and water.

When planning any home improvement project, it is important to consider how any unwanted debris will be disposed of. If the project includes demolition, you need a way to get rid of the rubble quickly and effectively. The easiest way to handle this is to mark off a space for debris.

Be sure to get an estimate from each contractor you contact. Also be sure that the estimates are apples-to-apples comparisons. You need to present each potential contractor with the same detailed list of jobs that make up your overall project. If you are constantly changing your plans, your estimates will not be comparable, and it will be harder to figure out which contractor actually has the best deal.

When thinking about projects that can improve your home, do not overlook the landscaping. Believe it or not, when people see your home, initially they notice the front lawn. An attractive one can give quite the impression. With neat and tidy grass and landscaping, your home will be a showplace.

Search the Internet for ?How To? videos related to your project. Be specific in your search, even consider searching by product model number. You may be surprised to find that many do-it-yourselfers have had similar problems and have found solutions that can help you. By watching the video, you will be able to stand on the shoulders of people that came before you.

Before you begin a home improvement venture, get rid of junk you no longer use. You?ll have more space to move items such as furniture around your home and eliminate extra waste as well. Of course, cutting down on unnecessary junk also tends to make your life simpler and generally more organized.

To liven up or modernize a dull and dated home, add a fresh coat of paint to the walls. A coat of paint will dramatically change the look and feel of almost any room. While it does not cost a lot to paint, your home?s value can greatly increase. Often, lighter colors will offer a nice complement to other areas of your home.

It is important to shut off the water supply to your home before starting any plumbing project. Knowing how and where to shut off your home water is important, especially before doing any kind of plumbing projects.

Buying Thomas Kinkaid paintings isn?t your only art option. Three-dimension tiles can look really nice, as well. Use three dimensional tiles in two colors such as green and white and arrange them on the wall (rotating colors) behind your couch for an original kind of art.

Any home improvement project can be completed, but it takes some careful planning. You can make use of the suggestions you?ve just read to do all of the proper advanced planning before you start your next home improvement job. This careful planning pretty much guarantees your project will come out great

Source: http://mommyscraps.com/home-improvement/creating-a-check-list-for-home-renovations.html

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Thursday, July 12, 2012

After you have finished the painting part of your home improvements ...

Does a tree in front of your house look unkempt? Why not give your home a nice breath of fresh air by getting this tree shaped properly. If you do this, your front yard will change forever. There is no comparison between a trimmed tree and an unkempt one.

After you have finished the painting part of your home improvements, it is important to clean up properly. If you used latex paint, all you need to clean up is soap and water. If your surfaces were painted with alkyd paints, you will need paint thinner to clean the brushes and gear that you used to do the job. Remember to not pour paint thinner or excess paint down the drain since it can lead to ground-water pollution. Both paint thinner and excess paint needs to be disposed at a toxic waste collection facility.

Do you need to fix a hole in your wall made by a nail or screw. Create a divot in the wall with the rounded end of a screwdriver by pressing it into the screw hole. Next, use spackle or drywall compound to fill the divot. This will give you a nice smooth wall surface.

You now have some conceptual tools for your home improvement projects. They have also clued you in about the tools like wrenches and saws which you will need in order to do a professional job yourself and have addressed the question of when it makes sense to hire a professional. You may want to create a new ?to do? list now!

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Source: http://xyzgardening.com/after-you-have-finished-the-painting-part-of-your-home-improvements-it-is-important-to-clean-up-properly/

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