1.1在油田成长

1.1在油田成长

 

翻看历史,我出生那年,中共中央批转了石油工业部关于组织松辽盆地石油大会战的报告。油田会战领导小组成立,会战指挥机关设在萨尔图,即现在的大庆市。 Nike Air Max 1 Men 那时的大庆市是一片荒原。国务院抽调各方面力量,数万名石油工人和科技人员从四面八方汇聚大庆,展开了气壮山河的石油大会战。 cheap adidas uk 为了培养油田技术人员,石油工业部决定在大庆成立东北石油学院,即现在的大庆石油学院。 Nike Femme 石油部把北京石油学院的一些主要师资力量派遣到大庆油田,组建学院。 air jordan 11 Nike Pas Cher 院址就选在距油田指挥机关有四十多里路的一个小城,安达县。我的父母就是这批主要骨干教师中的成员。

父亲是早期石油物探班毕业的,母亲是北京石油学院石油勘探系的第一届毕业生。他们无论在理论和实践上,也无论在教学和科研上,他们是专业的骨干,学术的带路人。 air jordan uk asics femme pas cher

那个年代,没有“明星”只有“英雄”,举国上下在“工业学大庆”口号中得知 “铁人”王进喜。 nike air max pas cher 大家传颂的是“铁人”五种精神:“为国分忧、为民争气”的爱国主义精神;“为早日把中国石油落后的帽子甩到太平洋里去,宁肯少活二十年,拼命也要拿下大油田”的忘我拼搏精神;“为革命有条件要上,没有条件创造条件也要上”的艰苦奋斗精神;“要为油田负责一辈子,干工作要经得起子孙万代检查,对技术精益求精,为革命练一身硬功夫、真本事”的科学求实精神;“不计名利,不计报酬,埋头苦干”的老黄牛精神。 air jordans free shipping

这些口号是贯穿于一代人生命中的信念。

在英雄榜样鼓舞人心的年代里,我的父母同样被赋予了强大的精神力量,满怀理想和抱负。他们接受了国家的培养,拥有丰富的专业知识,满腔热血要报效祖国。 nike blazer fjällräven kånken Stora 奔赴最前线,是他们义不容辞的责任。

他们放弃首都北京的优越环境,前往荒芜的北大荒,建校创业,献出了自己的青春。 new balance 580

出生在北京的我,两岁时,便和姐姐一起跟随父母去到那片热土–安达县。 new balance Chaussures 一个寒风刺骨,滴水成冰的小县城。住的是用土坯盖的平房,所谓的干打垒。

听父母讲,刚到安达的时候,他们是有家无房,分住男女宿舍。 adidas uk 上下班坐的是无篷军用卡车,雨中去,雪中来。 nike air max 1 ultra moire femme 一个北方小城集居一个拥有数千人的大学,生活用品极度欠缺,供需之间存在极大的反差。 Adidas schoenen 那时候,他们背负着开创中国石油工业的历史使命,不惜代价,不求回报,为繁荣昌盛的祖国奋斗。 Hollister

特殊年代造就了特殊的人群,产生了特定的思维方式。先国家后大家,先大家后小家,是天经地义的。 Asics Gel Lyte Pas Cher

我自始自终深信不疑:我的父亲母亲和当年的千千万万中国人,他们都有一颗纯洁的赤子之心,热爱祖国,热爱事业,无私地奉献自我,无条件地服从国家和组织的安排。

60年代初,内忧外患的三年困难时期,全国普遍面临缺粮。 nike pas cher Nike Air Max 2017 Dames zwart 大部分中国人吃不饱,可是他们任劳任怨地工作,热火朝天地生产。那样一个集体崇尚伟大,个人甘于渺小的时代,人们把对于物质生活的追求当作耻辱,更别提财产资本。 UGG Men For Sale 任何私心杂念都是阴暗与罪恶。

他们只有一个共同信仰:为早日甩掉中国贫油的帽子,实现祖国的富强而奋斗!

也许,那样一个大环境中成长起来的我,自幼培养了斗志昂扬的个性。父母拼命及奋斗的行为潜移默化教育了我,从不畏惧挑战,不贪图安逸,不计较个人得失……并非标榜,而是我希望自己具备这些品格。相反的,正如美国人形容二战以后诞生的一代人,是在蜜罐里泡大的,从而养成了一些自私贪婪等等不良恶习,即使在私有制的资本主义国家也不被提倡。

投資土地的利潤與風險—王先生的故事

land-banking

一個中國家庭中,儘管一對夫妻不大富大貴,他們也都希望離開這個世界之前,再怎麼窮苦,也要能夠為子女留下一點房產,那怕是一塊現在處於荒山野地里,不值錢的土地,只要兒女能夠傳宗接代,守得住房產,反正世界只有一個地球,終於有一天會輪到它增值的時候吧。 Tennis Nike 至少總算對兒女有個交代。 Asics Chaussures chaussure Asics Gel-Lyte III
聽說古時候還有人把銀子埋在自己的土地里,可見土地也給中國人帶來一種「安全感」。 Chaussures Nike 事實上,據我所知,現代美國的中國人社區里,還有人不放心把錢存在銀行,反而累積大量鈔票在房子里。 Adidas soldes
投資土地不僅要有眼光,還要像釣魚那樣有耐心,而且還要懂得分析風險。 oakley radar path 當然,投資也一樣像釣魚,要挑對地點,否則等一輩子也恐怕沒有魚兒來吃餌。 nike air max 2017 goedkoop 但是比起股票來說,它應該是安全得多了。 chaussures de foot umbro
以王先生的故事為例:他出生在台灣,50年前移民美國,王先生可算是我一生中遇過最深信「有土斯有財」這個觀念的人士,他尤其熱愛投資空地,說他口袋里的每一分每一毛錢都投回到土地,一點都不誇張,曾經有位白人律師諷刺說他是「Property Rich Cash Poor。其意思是,從土地上來看,他才能算是腰纏萬貫,但是從他身上所攜帶的現款來看,他是一個窮光蛋。 Adidas Homme

王先生向來喜歡購買多塊小空地,他懂得如何分散投資的風險,個個空地都是經過精挑細選的,這些地的特點是絕大多數處於尚未開發區,但順著人口成長的路徑,所挑中的空地,都是有待將來被開發商發掘的,所採取的策略是按兵不動十年以上,那樣做才能夠以偏低的價錢買進,指望將來該地被開發商看上,可以翻倍高價賣出。 asics uk
王先生最早投資土地是在1972ugg classic tall nike air max 2016 goedkoop 他在一條高速公路旁购買10英畂的空地,他以两萬元買進。 UGG Kids Outlet Soldes Nike Pas Cher 當時其四面八方都是「鳥不生蛋」之未開發空地。 Asics authentique 他果然很有眼光,也頗具有耐心,六年之後,離開該地两英里左右的地點興建了一棟三層樓的酒店和十多間商店。 Ray Ban pas cher 該空地最終於在1978年,在未開發的狀況下,他以二十萬元的價賣給一位投資者。六年土地增值十倍。 nike air max norge

自古以來,「有土斯有財」這個觀念,在中國傳統思想中可以說是根深蒂固的了。 lunette de soleil soldes 它的意思是說,一個人有了土地或房產,才能算是真正的佣有了自己的財富。 air jordan pour homme pas cher 世界上很多富豪建立財富的密訣,何嘗不是以投資土地為根基的。

Joy Chen

The opportunity has never been better to buy a home or invest in real estate! With interest rates exceedingly low, adidas zx flux homes have never been more affordable. ugg australia Nike Air Max 2017 Heren rood Nike France I am committed to guiding home buyers and investors through the completion of home or land transactions. cheap jordans uk for sale nike air max 2016 goedkoop Nike Air Huarache Dame I have over 5 years of real estate experience in land banking, adidas neo real estate sales and mortgage loan. oakley radar path sneakers blanc Homme Asics Nike Air Max Très pas cher I have lived in Santa Clara County for more than 15 years. ray ban clubmaster glasses nike air max one soldes billig nike air max I am very familiar with local real estate market and related information. basket nike chaussures nike tn requin nike femme I look forward to helping you find your dream home.

Property Tax

Property Tax

As a property owner in Los Angeles County, you shall receive property tax bills from the Los Angeles County Tax Collector’s office. asics uk Goedkope Nike Air Max 90 You can check your tax payment status through Los Angeles County Tax Website at “http://ttc.lacounty.gov“.

 

The following Frequently Asked Questions can guide you through paying property tax correctly and timely.

 

What is the best way to pay your property tax bill if you have cotenant(s)?

One of the cotenants should be designated as the responsible party (e.g. Nike Air Max bw Baskets the cotenant who holds the large proportion of the property). nike air max flyknit ultra 2.0 That party should collect all the checks from the other cotenants, and mail the checks together, in one envelope with the tax bill, to Los Angeles County Tax Collector’s office.

 

How do you collect a property tax payment check from Equity Trust or IRA Services?

 

Here are the steps:

1. Solde adidas zx flux Complete the proper form: for IRA Services, “Expense Payment Request”, or for Equity Trust, “Bill Pay/Direction of
investment”.

2. nike soldes Ask the custodian to issue a check made payable to “Los Angeles County Tax Collector” and have the custodian mail it
to your home address. adidas zx flux pas cher Nike Air Max 2016 Heren Make sure to include your correct home address in the proper section of the form.

3. chaussures nike tn requin When you receive the check, make a copy for your record, and then mail the check with the tax bill to Los Angeles
County Tax Collector’s office. air jordan 26 sac kanken By doing this, you will maintain full control of timely tax payments.

 

What do you need to include on your check when you remit your property tax to make certain that your tax payment is credited property?

Write all of the following information on the payment check:

· Assessment Parcel Number (APN)

· Tax year – for example YR 08 (indicates 2008 – 2009), YR 09 (indicates 2009 – 2010)

· Sequence number – for example SEQ No. air jordan en chile 000 indicates that this is an annual tax bill; Any other sequence number
refers to a supplemental tax bill.

 

What is a Substitute Secured Property Tax Bill?

The Substitute Secured Property Tax Bill is a lien of the annual and supplemental tax bills issued by the Treasure and Tax Collector, which can be provided upon request, and may be used as an instrument of payment or as a record of payment activity.

 

Does a land owner always receive a Supplement Tax Bill?

No. ray ban soleil pas cher new balance femme 996 blanche If the assessment value of your property is below the previous assessed land value, the land owner will receive a refund check from Los Angeles County Tax Collector’s Office.

 

Which owner should pay for the Supplement Tax Bills?

Look at the Transfer/New construction data on the Supplement Tax Bill to determine who is responsible for the payment. nike pas cher Example: ACEQ property was recorded on Oct. ugg classic mini cheap fjällräven kånken Laptop 17 air max 90 pas cher 28, 2004, and the Transfer/New Construction data is Oct. air jordan 8 Fjallraven Kanken Classic Kånken Laptop 13 28, 2004, in this case, ACEQ is responsible to pay the supplement tax.

 

Additional tax payment tips are shown:

· Make a copy for your records of each check issued as a tax payment

· Issue only ONE check for each installment.

Self-directed IRAs

A Self-Directed IRA requires the account owner to make investment decisions and investments on behalf of the retirement plan. nike air max schoenen IRS regulations require that either a qualified trustee or custodian hold the IRA assets on behalf of the IRA owner. air jordan 31 Baskets asics pas cher Generally the trustee/custodian will maintain the assets and all transactions and other records pertaining to them, file required IRS reports, issue client statements, assist in helping clients understand the rules and regulations pertaining to certain prohibited transactions, and perform other administrative duties on behalf of the Self-Directed IRA owner for the life of the IRA account. ugg classic short asics homme Nike Air Max Sko Self-Directed IRA accounts are typically not limited to a select group of asset types, and most truly self-directed IRA custodians will permit their clients to engage in investments in most, including real estate, stocks, mortgages, franchises, partnerships, private equity and tax liens.

 

Self-Directed IRAs can be traditional, Roth, Educational, SEP, SIMPLE, and rollover IRAs.

 

· Roth IRA – contribution are made with after-tax assets, all transactions within the IRA have no tax impact, and withdrawals are usually tax-free. roxy tall ugg boots cheap fjallraven kanken rugzakken You can contribute to the plan only if your AGI (Adjusted Growth Income) meets IRS requirement
· Traditional IRA – contribution may be tax-deductible or non tax-deductible depending on your income level. adidas stan smith Fjallraven Kanken Kinderen All transactions and earnings within the IRA have no tax impact. Nike Pas Cher Withdrawals at retirement are taxed as ordinary income, except for those portions of the withdrawal that corresponds to non tax-deductible contributions.
· Educational IRA – A savings plan for higher education. adidas ultra boost new balance 577 femme Parents and guardians are allowed to make nondeductible contributions to an education IRA for a child under the age of 18. nike chaussures New Balance Pas Cher The funds in an education IRA can be withdrawn tax free when they are needed for educational purposes.
· SEP IRA – a provision that allows an employer (typically a small business or self-employed individual) to make retirement plan contributions into a Traditional IRA established in the employee’s name, instead of to a pension fund account in the company’s name.
· SIMPLE IRA – a simplified employee pension plan that allows both employer and employee contributions, similar to a 401k plan, but with lower contribution limits and simpler administration.
· Rollover IRA – an individual retirement account that has the funds rolled over from the retirement plan at work (401(k), profit-sharing plan, etc.). buy uggs in uk kobe 11 pas cher Rolling over to an IRA allows you to keep your savings tax-deferred and typically gives you a broader choice of investments.

 

Earning potential of real estate has caused many individuals and small business owners to rethink their current retirement strategies and select real estate inside an IRA. Women Kevin Durant new balance Chaussures However, it is important to use a qualified custodian who can help you through the process.

How to Use a Self-Directed IRA to Buy Real Estate

by

Published May 08, 2012

FOXBusiness

  • House Real Estate 02
    Reuters

Difficult economic times have spurred non-traditional methods to save for retirement, and many people are using a self-directed IRA to purchase non-traded assets like real estate.

A self-directed IRA is the lesser known of IRA options and requires account owners to make active investments on behalf of the plan. asics gold To open one, an owner must hire a trustree or custodian to hold the IRA assets and be responsible for administering the account and filing required documents with the IRS.

Similar to other IRA accounts, owners can invest in stocks, bonds and mutual funds, but they can also invest in things that investment houses like Charles Schwabb, Fidelity and Vanguard don’t offer, like small businesses, boat slips, storage units, parking lots, land and homes.

Investors may still be leery of investing in the housing market, but real estate investor Scott FladHammer, says real estate can be a good long-term investment and generate higher returns than the stock market.

Investing in real-estate also provides a lot of options. asics pink “Owning real estate can be very rewarding, especially for people who are investing in what they know,” says Amy Gates, an independent advisor offering investment for Trust Advisory Group.

But the process of using a self-directed IRA to jump into investing in real estate requires preparation and caution.

“The move can make sense in certain circumstances, but only when the investor fully understands both the positives and negatives and the requirements involved,” cautions Ken Himmler, president of Los Angeles-based wealth management firm Integrated Asset Management.

Interested investors should seek legal advice, as well as input from an accountant and real estate agent for a well-rounded picture. nike air max 90 homme They should also be familiar with the rules for the type of IRA they’re using. oakley ca Whether it is a Simple IRA, Roth or Traditional IRA, SEP or Solo 401(k), contribution limits still apply, and there are penalties for early withdrawals.

Here are five things to keep in mind when considering investing in real estate through a self-directed IRA.

It takes time. asics pink Nike Pas Cher Gates advises devising a timeline based on the account-opening process, transferring or rollover of assets and finding the actual investment.

It normally takes two to three weeks to open an account at a typical brokerage firm, and you’ll need to find a custodian who will hold real estate inside an IRA. asics chaussures Chaussures Asics Femme The down payment must come from IRA funds, so rollovers may be required.

When a real estate investment is contracted, the IRA account holder reviews and signs the purchase agreement and then the custodian must approve it and release of funds to the title company. Adidas Pas Cher Goedkoop Air Max Nike All of this takes time, so it’s prudent to learn as much as you can before jumping into a decision.

You cannot take advantage of IRA investments until you retire. air max 1 pas cher You can’t use the fund to pay off your mortgage or live in or use the property you buy as an investment in the self-directed IRA.

“You buy it because it is anticipated to appreciate in value, plain and simple,” Gates says. ugg bailey bow for sale Chaussure Asics Gel Noosa Tri 11 You also lose the depreciation tax deduction that you would otherwise receive on an investment property.

Your spouse, immediate families or companies you have a 50% interest in cannot be involved. While it is possible for the property to be held as tenants in common, an IRA is an individual account—and you must avoid any conflicts of interest.

Self-dealing or enabling a transaction that is beneficial to you on the other end is strictly prohibited. cheap jordans uk lunette de soleil ray ban pas cher You also cannot use the IRA as collateral for a loan; it should be treated like other retirement accounts.

It’s a lot of work. “While late-night infomercials highlight the potential benefits, many investors don’t fully appreciate or understand the reporting and administrative requirements involved in using a self-directed IRA to buy real estate,” according to Himmler. nike air maxschoenen For example, the investor should not be doing the work on the property, especially because he can’t get reimbursed.

All expenses, maintenance, taxes and insurance are paid from the IRA. adidas yeezy boost Adidas Pas Chere If there are association dues or golf memberships, those all must be withdrawn from the IRA. Mochilas Kanken No.2 Finding tenants and contractors may take time, and every penny in and out must be approved by the custodian. FladHammer recommends having a reputable property management company in place to navigate the day-to-day duties.

All income from the property is tax deferred. That includes rental income and capital gains, Gates says. ADIDAS PURE BOOST nike air max 1 pas cher If you plan to be in a lower tax bracket at retirement, this is quite beneficial.