Category: Financial Planning

By Real Estate Advisor

On August 21, 2006, the U.S. Census Bureau released information about housing growth in the Nation. The Bureau provided data covering the period from July 1, 2004 to July 1, 2005. The data was segmented by changes in the actual number of housing units, as well as the percentage change in housing units for a particular county.

As a nation, there were approximately 124.5 million housing units as of July 1, 2005, which was a 1.5% increase from July 1, 2004.

Listed below are the top 15 counties that added the largest number of housing units for the period observed. San Diego County ranked #12 with 13,964 housing units added from 2004 to 2005, which represents a 1.3% increase from the previous year.

1. Maricopa County, Arizona (52,203 units added)

2. Clark County, Nevada (35,114 units added)

3. Harris County, Texas (33,698 units added)

4. Riverside County, California (29,689 units added)

5. Miami-Dade County, Florida (21,375 units added)

6. Los Angeles County, California (19,950 units added)

7.Lee County, Florida (19,894 units added)

8. San Bernardino County, California (17,032 units added)

9. Tarrant County, Texas (16,281 units added)

10. Fulton County, Georgia (15,374 units added)

11. Orange County, Florida (14,003 units added)

12. San Diego County, California (13,964 units added)

13. Palm Beach County, Florida (13,777 units added)

14. Hillsborough County, Florida (13,086 units added)

15. Bexar County, Texas (12,333 units added)

The Bureau also provided data with regard to the largest percentage change in housing units from July 1, 2004 through July 1, 2005 for U.S. counties. The top fifteen counties were:

1. Flagler County, Florida (14.8% increase)

2. Sumter County, Florida (12.8% increase)

3. Pinel County, Arizona (10.2% increase)

4. Osceola County, Florida (9.5% increase)

5. Franklin County, Washington (9.4% increase)

6. Culpeper County, Virginia (9.3% increase)

7. Washington County, Utah (8.6% increase)

8. Kendall County, Illinois (8.5% increase)

9. St. Lucie County, Florida (8.2% increase)

10. Rockwall County, Texas (7.7% increase)

11. Loudoun County, Virginia (7.4% increase)

12. Paulding County, Georgia (7.3% increase)

13. Walton County, Florida (7.3% increase)

14. Yuba County, California (7.1% increase)

15. Fannin County, Georgia (7.1% increase)

The Census Bureau consolidated data about counties to determine which states had the most rapid housing growth in terms of percent change from 2004 to 2005. The top fifteen states were:

1. Nevada (4.4% growth rate)

2. Arizona (3.5% growth rate)

3. Florida (3.1% growth rate)

4. Idaho (2.9% growth rate)

5. Utah (2.9% growth rate)

6. Georgia (2.7% growth rate)

7. North Carolina (2.1% growth rate)

8. Colorado (2.1% growth rate)

9. Texas (2.0% growth rate)

10. Delaware (2.0% growth rate)

11. South Carolina (2.0% growth rate)

12. Virginia (1.9% growth rate)

13. Washington (1.7% growth rate)

14. Minnesota (1.7% growth rate)

15. Hawaii (1.7% growth rate)

California ranked #19 with a 1.4% growth rate. The housing growth rate from the nation as a whole was 1.5%. For more information, go to the Census Bureau’s web site.

About the Author:

San Diego Real EstateRiverside Real EstatePacific Beach Real Estate

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byadmin

For most Americans, finances are one aspect of life that is better left out of sight from others. Regardless of your status – struggling or succeeding – people typically don’t like their financial information shared with anyone. Small business owners are even more guarded, since their financial records are the backbone of their business. It’s no wonder so many of these professionals avoid consulting with financial or bookkeeping experts. This avoidance could be costing them more than it’s saving them, though, as bookkeepers have been shown to improve to improve business function remarkably.

What a Bookkeeper Can Do for You

A bookkeeper is an important investment in your growing business, as these professionals keep every aspect of your company running smoothly. From payroll records to expense projections, you can count on a bookkeeper to handle what an overworked employee with access to QuickBooks once did, with greater accuracy and efficiency. This saves your employees time and trouble, and frees each member of your team up to take on more tasks that make a meaningful difference in your company’s every day function.

Business clients who find great bookkeeping companies or clerks are unlikely to part with them. Though many find it hard to turn over the responsibility for their finances to an outside entity, clients typically find that they would not be willing to go back to keeping their own books once they’ve experienced the work of highly-qualified, professional accountants.

What Bookkeepers Don’t Do

In some states – Texas being a prime example – the legal definition of “bookkeeping” is synonymous with accounting. However, the typical bookkeeping brand does not offer full accounting services. Bookkeepers are experts in their own field, and those in major cities such as Austin, TX are always happy to refer their clients to another professional – like a certified public accountant – who can meet the remainder of their needs.

By Adrianna Noton

Financial services are companies that work with customers and their money. There are many different types including banks, credit cards, insurance providers, credit unions, investment funds and stock brokerages. Companies doing this work make up a large chunk of the profit making services in the United States.

The history of banking can be traced back to medieval and renaissance Italy. Several families within Italy were heavily involved in the first banks and they then moved their work throughout Europe. There are two types of customer based bank. The first is the commercial bank which accepts deposits and matches them against people withdrawing to control the flow of money. They are commonly used by customers to look after their checking accounts. The other type is a savings bank which is stockholder or mutually owned and usually gets a lot of its business from mortgage accounts.

The first credit card was used in the nineteen twenties in America and was initially used to sell fuel to car owners. A credit card is usually a small plastic card that the customer uses to pay for goods and services. It works on the basis that the creditor pays the initial charge on the understanding that the customer pays that back within a certain time frame with an added charge or interest.

Insurance providers insure customers against a number of things. You can insure your car, your home, items of personal property and your health and life. The customer usually pays a monthly premium to the insurer, who in return gives them a certain amount of money back in the event of something happening for which they are insured.

A credit union is a sort of financial club. It is owned and controlled by its members and it is an affordable way of providing credit for the members. Credit unions are usually much smaller than banks and should normally be non profit organizations, although in reality this is not always the case.

An investment fund is a pool of money that is looked after by an investment manager. This investment manager uses the money to buy into stocks and shares on the behalf of the investor. The idea behind this is that by combining several investors money you are more likely to see a profitable return and hopefully the manager will have the experience and knowledge to choose the best places for you. There are many different types of fund however they are not always risk free.

A stock broker is a broker who buys and sells shares on the behalf of investors. Ordinary people can not buy and sell on the stock exchange. They need to go through a regulated broker. This works in a similar way to an investment fund and as such there are also risks attached, due to the fluctuating nature of the stock market.

Financial services play a big part in the world economy today. There are variations on these services all over the world. Some services will suit some people more than others, depending on their approach to risk and how much money they have.

About the Author: When it comes to dealing with your finances make sure to use the

Financial services Cobourg

and

Financial services Peterborough

of a professional financial advisor or financial planner. They can help you find the shortest and safest route to your financial goals.

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