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Buy my mom a house and my family anything they want without caring about the cost

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Buy my mom a house and my family anything they want without caring about the cost

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Your parents are ready to move out of their house. They want to sell it to you for cheap, so they get a little cash and you get a great deal on a nice home. Sounds good, right?

Tread carefully, because this isn't as easy as it seems. And it gets even more complicated if your parents still owe a little on their mortgage. How can you transfer ownership of the house in a way that will pay off the mortgage, provide them the proper cash for their needs and keep the money in the family?
Figure Out the Home's Fair Market Value
First off, it's important to know that your parents can't gift you a home or even sell it to you super cheap without encountering huge tax headaches. In order to avoid a big tax, the house needs to be sold at near-market value. So you can't get your parents $350,000 home for $50,000 and avoid the taxes like you would if you were buying the home at a market price.

If your parents sell the house to you for far less than that, you will still have to pay taxes on the entire fair market price of the home.

That's why it's important to get an appraisal, so you understand the fair market value and any accompanying tax liabilities that will crop up if they don't sell it to you near that price.
Consider an Installment Loan
Once you know the fair market value, your parents can set the right price and sell it to you. The cheapest way for both of you to handle this may be through seller financing. That way your parents are the bank and you will pay money to them over time, offering them some cash and you the opportunity to get the home inexpensively without dealing with the banks.

First, you can factor their gift of equity into the cost as a down payment, which should be within the legal limit of what your parents are allowed to give you each year. Each of your parents is allowed to gift you $14,000 tax free every year and if you're married, they can gift your spouse the same amount. So that totals around $60,000.

Then you need financing for the remainder of the amount. If you make an agreement directly with your parents, you'd pay them both the monthly payment and interest. For example, with a seven year installment agreement, 1/7 th of the house will transfer over to you and your spouse each year. Meanwhile you would make payments including the agreed-upon interest rate. If your parents still have a mortgage, they would use the payments to pay off the remainder.

Once the mortgage is paid off, they will be pocketing the payments and the interest entirely. Instead of a traditional lender reaping the benefits of interest payments, your parents will have extra cash flow for retirement. And then if they would like, they can continue to gift you that money back each year under the tax limits.
Get a Real Estate Attorney
Once you have discussed the options with your parents, you'll need a real estate attorney to review the plan. Try to find an attorney who is familiar with loans. Have your parents meet with the attorney to draft the purchasing agreement and partnership-you may need both.

The contract should state the sales price, amount of down payment, interest rate and monthly payments. It also designates the party that will maintain the home and pay the insurance and property taxes.

If you try to buy the house for cheap, you will have to pay taxes on the entire fair market value price of the home. Instead, an installment loan will benefit both you and your parents.
WSB Radio's Ilyce Glink Show - July 27, 2014 Download the podcast via iTunes
Thanks for listening.

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Your parents are ready to move out of their house. They want to sell it to you for cheap, so they get a little cash and you get a great deal on a nice home. Sounds good, right?

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I think it would be cool to own your house and not have to worry about if something goes wrong or

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How We Bought Our House Young: Tips and Tricks For First Time Homebuyers

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How we became young home owners! In this video I talk about things we've learned during our experience buying our first home. We bought our house very young as I was 19 and my BF was 22. We learned a lot about the home buying process and gathered some tips and tricks for you guys!

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Going to the WNBA will make me happy if I do because I can say to myself that I made my brother proud

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Women's National Basketball Association - Wikipedia

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The Women's National Basketball Association ( WNBA) is a women's professional basketball league in North America. It is currently composed of twelve teams. The league was founded on April 24, 1996 as the women's counterpart to the National Basketball Association (NBA), and league play started in 1997.

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Making it to college been my big goal for a long time and plus I want to be the first out of my mom kids to make it to college and make her proud

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Going back to school is a big decision. You're aware of the benefits of earning a degree, but you're hesitant about the road to graduation. How will you squeeze classes, assignments and studying into your already busy life? Do you have what it takes to succeed in the classroom?

It's normal to be apprehensive. But don't let your doubts stand in between you and your dreams. We connected with five successful Rasmussen College students from various backgrounds to show that success comes in many shapes and sizes. See how they overcame their obstacles to earn their degrees. If they can do it, so can you!

5 college success stories to inspire you

The young parent...

Navigating college life while fresh out of high school can be a challenge, especially at a large university. When you add the responsibilities of being a parent to that challenge, it is easy to see how some might struggle. Nursing student Krystl Taylor learned all about that experience when she first enrolled in college.
"I was one of the few students married with kids," Taylor says. "I felt kind of alone because there weren't a lot of students that could relate to my life."

Taylor eventually left the larger state school for Rasmussen College, where the flexibility of online classes eased the logistical issues that come with raising a family and attending school.

The staff has also gone above and beyond to provide her with the one-on-one support that was lacking at her previous school-one instructor even provided her with a walk through of a subject late on a Saturday night. Taylor graduated in 2014, thanks in part to that support. The significance in graduating isn't just the degree, but the example she has set for her children.

"I want my kids to know the importance of getting an education and chasing their dreams and goals," Taylor says.

The non-traditional student...

It had been a long time since nursing graduate Dana Hainer stepped foot in a college classroom. Years ago, she began the process of entering nursing school but those plans took a back seat when she received a call saying that she and her husband could adopt their oldest son.

Hainer pulled out of nursing school in order to care for her son, who has multiple medical conditions such as autism and bi-polar disorder. Time passed and circumstances changed-her son is an adult now and her marriage ended. Because of this, Hainer needed to quickly get back to work and, consequently, back to school.

Hainer wasn't completely comfortable with going to a large school full of students from a younger generation, and definitely didn't have time for the waiting lists she found for those schools' nursing programs. At Rasmussen College Hainer was able get straight into the nursing program and also receive the one-on-one attention she needed as a non-traditional student. That support was particularly helpful when navigating the advances in technology that have come since her last classroom experience.

"Learning new things like submitting assignments by email can be a stumbling block for people my age," Hainer says. "The support staff was really helpful in walking me through things I didn't know."

That support has paid off-Hainer graduated in 2013 from the nursing program and says that the technological skills she developed after returning to school have made her life much easier.

The returning veteran...

Military veterans have a strong incentive to return to school in the benefits provided by the post-9/11 G.I. bill, but returning vets still have plenty of uncertainties to address. Criminal justice graduate Jake Johnson was no different after returning home from serving in the U.S. Air Force.

The rigid structure of the military made the freedom Johnson experienced after ending his service a little overwhelming initially. However, the discipline and work ethic he developed in the military made a positive impact on his academic career, after readjusting to giving his own orders.

"I was shocked with just how easy it was for me to sit down and do my work," Johnson says. "I think a lot of that comes from the military getting me used to taking orders and carrying them out."
Johnson graduated from Rasmussen College in 2012 with an associate degree, and is currently applying his military and academic training to his career as a police officer in Arkansas.
The career changer...

It takes a lot of courage to change careers, even if your career is becoming stagnant. The skills you've spent years developing in your current career may not be used in a different field, but sometimes the question of "what if?" becomes too much to resist.

Patrick Joyce, now a graduate of the Rasmussen College nursing program, spent years working in law enforcement with the inkling that his best fit may be as a nurse. In fact, a career aptitude test he took while studying to become a police officer said exactly that.

So shortly after early retirement from police work, Joyce jumped into nursing school. He did have reservations-switching back to academic life after a long time away took some adjustment. That switch, while requiring some effort, went smoothly and Joyce is now working as an RN after graduating in 2012. Joyce's only regret? Not getting into nursing earlier.

"Hindsight being 20/20, I should have taken that [aptitude test] as a sign and got into nursing sooner," Joyce says.

The working student...

Derek Clifton had a steady job as a quality assurance coach at a call center but found himself up against a career ceiling. He knew he wanted to work in a human resources role at his company but his educational background wasn't a fit.

Clifton knew he had to get back to school to advance his career, but didn't want to drop everything and leave his job to get his degree. He also had reservations about being able to balance both school and work responsibilities.

"I was a little afraid at first to go back to school," said Clifton. "But it was just a matter of me taking that step and holding myself accountable."

Clifton's concerns were alleviated by the flexibility his online coursework provided, as he could plan out his week in advance and prepare accordingly. That planning worked; Clifton earned his bachelor's degree in 2013 with a 3.9 GPA and is now equipped to take the next step in his career.

What's stopping you?

These students all had roadblocks on their paths to earning a degree, but they stuck with it and now are on the road to future success. If you're ready to kick your excuses to the curb and follow in their footsteps, consider taking the first step of your education journey.

Check out our article to see if you're ready to take the leap: 6 Signs You're Ready to be a College Student.
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College Success Stories: 5 Students Like You Who Made It Through

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Are you on the fence about going to college? It's only natural to have doubts about your ability to succeed. This article highlights five successful Rasmussen College students who held a variety of those same concerns before making the jump back to school.

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IT will be cool to learn how to switch off my hands when the defense get crowd on me

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Stephen Curry :: Ball Handling Moves 2015-2016 HD

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I want good grades because colleges will look at me and and want me to play for them

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5 Reasons Why Grades Are Important

Grades are not the measure of a person nor are they even the sole measure of academic accomplishment. They are only one rather imperfect reflection of how much you have learned in your various courses, say Deese and Deese in their book How to Study and Other Skills for Success in College.

"People can learn a great deal and acquire a good education without making high grades," the authors say, "and some students who make straight A's may concentrate so much on getting them that they really miss their education. But grades are one of the concrete and particular things society uses to judge what you are likely to accomplish in the future. They work, however imperfectly."

Here are five reasons why grades matter:

Good grades boost confidence

A study at the University of Michigan found that 80 percent of students surveyed based their self-worth on academic performance - more than cited family support as a source of self-esteem.

A study at King's College showed adolescents with low self-esteem were more likely to have poor health, be involved in criminal behavior, and earn less than their peers. Since it's overwhelmingly poor students who are prone to bad grades, a self-reinforcing loop is created. Poverty leads to bad grades and low self-esteem, which leads to more poverty and social dysfunction.

Good grades open the door to college and university

High school grades matter most if you have hopes of going to college. The grade point average (GPA) is one factor that colleges may consider when they decide to accept or deny a student.

If you want to go on to graduate or professional school, your college grades are even more important. The competition among applicants for law school, medical school, veterinary school, graduate business school, and most programs in graduate arts and sciences is formidable. Your college grades will probably be the most important factor in determining whether you are admitted or not.

Experienced admissions officers know that grades predict success in advanced work better than do test scores. Of course, a few people with the right connections or with a great record of achievement in extracurricular affairs will be admitted despite mediocre grades. But that happens less often than you think. The best graduate and professional schools have two to ten times as many applicants as they have spaces. They can afford to take only the best. In many fields, no one with less than a B average is even considered, and some schools seldom admit anyone with less than an A- average.

Article continues below...

Good grades can lead to more scholarships

Getting accepted is one thing; receiving a scholarship is another matter. Colleges also look at grades when they decide whether to award funding to students.

Student debt can negatively impact a person's future, well into their thirties. Better grades, higher test scores, and involvement in a variety of activities can help a student get more money for college.

Grades can also be a factor for consideration into an honor society in college. Students find that involvement in an honor society or other club also makes you eligible for special funding and opens the door for incredible opportunities. You can travel abroad, become a campus leader, and get to know faculty when you are part of a scholarly organization.

Unfortunately, many college graduates can't accept their dream jobs because they can't afford to do so. Instead, they have to take jobs that will help them afford their monthly college loan bills.

Employers care about grades

Students shouldn't think that just because they've mounted the admissions hurdle, they can slack off in class. To be sure, many small employers won't expect to see a GPA on a résumé, but most large companies will. According to a survey of more than 200 employers conducted by the National Association of Colleges and Employers, 67 percent of companies said they screened candidates by their GPA.

Susan Adams of Forbes' Entrepreneurs team interviewed Dan Black, the director of recruiting for the Americas at professional services giant Ernst & Young. He said, absolutely, he expects to see a GPA on a résumé. "Grades certainly do matter when we're recruiting students. It's really one of the only indications we have of a student's technical ability or competence to do the job."

If a student comes to an employer with very solid grades, typically this translates into the individual being able to successfully tackle certain daily tasks with a quick turnaround, coupled with less of a need for close supervision. After all, the student was able to do this successfully in college. Why couldn't he or she bring that work ethic to the company, free up management to do its job and produce results with less training?

Good grades heavily influence lifetime earnings

If your parents paid you for good grades when you were a child (or if you've doled out cash to encourage academic achievement), you know what good grades are worth. But, it turns out, people who make good grades in school tend to make more money in their careers (when adjusted for education level and field of study). So, even if you go no further than high school, you're financially better off for having made A's and B's, says Greg Emmerich, the researcher who crunched the numbers.

The differences grow with associate, bachelor's and master's degrees, and even doctorates (within the same field of study). But in every case, the median salary is higher for someone with more education, and higher grades appear to be a predictor of earning thousands of dollars more per year in salary.

So, if you plan to go on to advanced studies, you can't afford to dismiss grades as unimportant, even if you have reservations about them, as many of us do.

Edublox Online Tutor offers multisensory cognitive training that enables learners to overcome reading problems and learning challenges and reach their full potential. Over the last 30+ years, the company behind the Online Tutor e-learning platform, Edublox, has helped thousands of children to read, learn and achieve through home kits and learning clinics internationally. Our programs are founded on pedagogical research and more than three decades of experience demonstrating that weak underlying cognitive skills account for the majority of learning difficulties. Specific brain-training exercises can strengthen these weaknesses leading to increased performance in reading, spelling, writing, math and learning.

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5 Reasons Why Grades Are Important | Edublox Online Tutor

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People can learn a great deal and acquire a good education without making high grades, and some students who make straight A's may concentrate so much on getting them that they really miss their education. But grades work, however imperfectly. Here are five reasons why grades matter.

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Because it will look good if I can make a layup with both hands

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By James Gels, from the Coach's Clipboard The lay-up is the easiest shot and the first shot you should learn. It's not as easy as it looks at first, as a lot of kids have difficulty getting the correct footwork, and shooting off the correct foot. You must also learn to use either hand, and, as you become more advanced, eventually learn to do the Basketball Playbook, @ www.coachesclipboard.net reverse lay-up, and the inside-hand lay-up.

Footwork

When dribbling toward the basket, move slightly to one side of the hoop to create the proper angle. If you're on the right side, dribble right-handed, and plant your left (inside) foot and jump off that foot, and finally shoot with your right hand.

As you raise your right hand, your right knee should also elevate. Pretend there is a string attached to your right hand and your right knee. Reverse this form if shooting from the left side.

As you approach the hoop, take a half step with your outside foot, then take a full stride with your inside foot pushing off the court. When jumping your outside knee should be bent. Go directly toward the basket, with your head up and eyes focused on the backboard. Go up strong and straight to the hoop. Don't shy away if there is a defender, just go strong to the hoop. You may get fouled and get a three point chance.

Aim

Always use the backboard ("use the glass") when shooting lay-ups from either side. Aim for the top corner of the box on the backboard. Focus in on this area; don't watch the ball. Keep your head up.

The Push Release

Younger players who are not yet strong enough for the underhand release should use the push release. Release the ball with the back of your hands facing you. Extend your shooting arm, as you push the ball to the hoop off your fingertips. You should go up with two hands, then release the ball with your outside hand. A very young player may need to shoot the ball with two hands.

Underhand Release

As you get stronger, you should develop the underhand shot. This release results in a softer shot, and more control when you are moving at high speed. Release the ball with your palm up and arm extended. Let the ball roll off your palm and then your fingertips, and lay the ball softly off the backboard. Use two hands going up, but then release the ball with your outside hand at the top of your jump. Be strong and concentrate... "finish"!

Now, here are two photos showing game-speed lay-ups.

Simple drill for teaching the footwork

Have the players get into a line near the right side of the basket (to shoot the right-handed lay-up). Each player takes a turn. You can use more than one basket if you have enough assistants to watch each player's technique. This drill works on correct footwork.

Have the player (with a ball) face the right side of the backboard with both feet together. Then have her take one step forward with the inside (left) foot, plant that foot and jump off of it and shoot the right-handed lay-up. When jumping, the right thigh comes up with the knee bent. Have each player work on this technique.

Then try it on the run (without dribbling), and then with dribbling. Do the left side also... on this side you step forward and plant the right (inside) foot, and raise the left thigh and leg.

Reverse Lay-ups

The reverse lay-up is another important fundamental that needs to be mastered. With the reverse lay-up, you finish the shot on the opposite side of the basket from where you started. So, if you dribble in from the right wing or corner, you actually go beyond the hoop and lay-up it up from the left side of the hoop.

And from the left wing or corner, you shoot the ball from the right side of the hoop, using the right corner of the backboard. The reverse lay-up gives you another weapon to use against your defender, and by using this technique you can help prevent the blocked shot by keeping your back to the defender when you shoot, and by using the basket itself as a shield from the defender.

As for footwork, it goes like this. If you are coming in from the right side, you will essentially be shooting a left-handed lay-up on the left side using the same footwork you would use for any left-handed lay-up... plant and jump off your right foot and your left knee and leg come up (see above).

Coming in from the left wing, instead of shooting the normal left-handed lay-up, you go under (or beyond) the hoop and shoot a right-handed lay-up using the standard footwork for a right-handed lay-up (plant and jump off the left foot, right leg comes up).

This takes some practice. You have to learn to have an awareness of where you are under the basket. You don't want to get caught short where you can't reach the opposite side of the rim.

You will need to learn how to spin the ball off the backboard, and be able to do it when you draw contact and get bumped inside. Coaches love the "and-1", a made lay-up followed by a free-throw. Coaches, when doing lay-up drills, also add some reps of reverse lay-ups from both sides.

Inside Hand Lay-up

The inside hand lay-up can be used when you sense that the defender is trying to block your lay-up. Use the inside hand (left hand on the right side, and right hand on the left side), and lay it in under the defender's arm. This is a more advanced level move, but a great one to add your ansenal.

Also see: Lay-up Drills

See these excellent30-second lay-up drill videos from Hal Wissel at BasketballWorld.com and CoachWissel.com that show the speed dribble lay-up, speed dribble inside hand lay-up, speed dribble reverse lay-up, and the speed dribble hook lay-up.

Copyright © 2001 - 2018, James A. Gels, all rights reserved.

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Basketball Lay-ups - Finishing at the Hoop, Coach's Clipboard Basketball Coaching and Playbook

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By James Gels, from the Coach's Clipboard The lay-up is the easiest shot and the first shot you should learn. It's not as easy as it looks at first, as a lot of kids have difficulty getting the correct footwork, and shooting off the correct foot.

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SO I can move on to something bigger and better things and get a good job