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States With No Income Taxes & States With Low Property Taxes

Real Estate Investing & Property Tax Rates

In the United States, property tax is assessed by local government at the municipal or county level. The property tax assessment is based on two values ​​- the value of the land, and the value of the building. Since property tax is calculated at a local-level – and since changes occur frequently – it's tricky to determine the exact spots where property tax is the lowest. However, the following information should help you locate areas with high appreciation AND low property taxes.

Which States Have the Lowest Property Tax Rates?

County tax rates are often averaged into a single figure, and this number is used when comparing property taxes between states. Surprisingly, Wyoming has the lowest property tax rates. Unfortunately, property values ​​in Wyoming tend to be pretty depressed, due to low population influx and a lack of jobs. Also, Wyoming does not rank highly when it comes to appreciation rates for residential and commercial real estate. Just because an area has low property taxes does not mean it will be the best area to invest in (or relocate to).

What to Look For When Investing

Look for an area that has a consistent rate of real estate assessment, combined with fairly low property taxes. Often, local property tax rates are low because real estate appreciation in the area is low – so you need to be careful. Cities located next to universities and areas where businesses are relocating are usually excellent spots to buy real estate. Paying attention to population growth can help you spot real estate trends and make wiser investments.

Medium-Sized Cities With the Lowest Property Tax Rates

According to data collected by the Office of the CFO in Washington, DC, the following cities have the lowest property tax rates in 2006, based on an annual income of $ 75,000. Assuming you earn $ 75,000 annually, here are the property tax amounts you would pay in each city …

Birmingham AL – $ 988

Cheyenne WY – $ 1,108

Phoenix AZ – $ 1,248

Wichita KS – $ 1,309

Denver CO – $ 1,362

Charleston WV – $ 1,395

Oklahoma City OK – $ 1,538

Kansas City, MO – $ 1,595

Little Rock AR – $ 1,648

Louisville, KY – $ 1,713

Jacksonville FL – $ 1,744

Honolulu HI – $ 1,781

Billings MT – $ 1,864

Salt Lake City, UT – $ 1,904

Virginia Beach VA – $ 1,918

Jackson MS – $ 1,971

Charlotte, NC – $ 2,021

Boise, ID – $ 2,176

Columbia SC – $ 2,214

Las Vegas NV – $ 2,225

Sioux Falls SD – $ 2,228

New Orleans, LA – $ 2,231

Wilmington DE – $ 2,416

Memphis TN – $ 2,501

Albuquerque NM – $ 2,517

Houston TX – $ 2,861

The Connection Between State Income Taxes & Property Tax Rates

States with no income tax (see list below) usually have high property tax rates in their relevant counties (The state needs to get its revenue from somewhere!). However, the trade-off is that you will have zero taxes on all earned income. This can be a huge advantage. Instead of paying the state 7 to 15 percent (or more) of your income, you can keep your hard-earned money, and invest it back into real estate or other investments. There are currently nine states that do not tax income at the state level.

States With No Income Tax

Alaska

Florida

Nevada

South Dakota

Texas

Washington

Wyoming

New Hampshire *

Tennessee *

* New Hampshire and Tennessee do not tax earned income, but they DO tax capital gains (divide and interest income).

How To Find the Best of Both Worlds: Low Property Tax & No State Income Tax

If you're looking for the best of both worlds (low property tax and no state income tax), you may want to consider the following cities:

Sioux Falls, SD

Houston, Texas

Jacksonville, Florida

Memphis, TN

Cheyenne, WY

Las Vegas, Nevada

You can also explore less well-known cities in the nine "no-income-tax" states. Smaller towns and cities generally offer "quality of life" advantages, and higher-than-average price appreciation and growth.

Conclusion

Now you know which states do not tax income, and which areas have the lowest property tax rates. Armed with this knowledge, you can focus on finding the best spot for your next home or real estate investment.

Source by Michelle Taylor

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Why Do Some Cats Bite When You Pet Them?

Many of us who are parents to cats notice that when we pet them, they sometimes turn around a bite our hands. Why do cats do that? Dog parents smugly state that their dogs wag their tails, pant and lick their hand. They claim that dogs do not bite the hand that pets them. While this is not a competition between cats and dogs, I'll give the dogs this one. I had a beautiful dog for many years (she passed away at 12) and she never bit me when I petted her. However, each and every cat (except one) has nipped at my hand.

So, why do cats bite the hand that pets them? As usual, I decided to do a little research to see if I can find the answer. From what I can tell, it looks like experts do not agree on the reasons for this pet-then-bite behavior, therefore many theories abound regarding what is called petting-induced aggression.

One theory is that unlike dogs, which are more social, petting may be something outside of a cat's normal instinctive behavior. A suggested remedy is that cats need to be socialized to people as very young kittens. Even 5 minutes of human contact each day of a cat's life up to 7 weeks of age will produce a much more trusting cat than those cats that did not have human contact until they were older than 7 weeks. However, this remedy does not explain all petting-induced aggressive behavior since properlyized cats can still display this behavior. And this remedy does not help those of us who adopted adult cats.

Some experts theorize that a cat may bite once the petting surpasses her sensitivity threshold. While the cat enjoys the human contact at first, the repetitiveness of the petting becomes irritating and the cat turns and bites as a way of saying "Enough". Another theory is that the petting not only causes irritation but that it may also cause static electricity or actual pain because of the cat's nervous system. Or, sometimes the cat may have a pain in a particular area and your touch or even the belief that you will touch that area may trigger the aggressive behavior.

Sometimes cats may find petting so pleasurable that they actually fall asleep (with open eyes). If they wake up suddenly, they may not recognize that they are petted and may believe that you are trying to confine them. Instinctively they may bite and run before they are fully aware that they were being petted. The final theory I found is one of control. Some cats need to control the situation where they determine when the petting starts and when it stops. What is perceived as petting-induced aggression is a way for the cat let you know who is in charge. I think behavior is more in line with my experience.

No matter the reason for the petting-induced aggression, there are some things that you can do to decrease the chance your cat will suddenly bite you while being petted.
It is important to find out if your cat has a medical condition that may cause pain when he is being petted, so take him to the vet for a thorough examination. Petting may cause the pain to worsen or the cat to become an exotic that you may touch a painful area.

Like it or not, we just need to realize that some cats simply do no enjoy being petted. Cats are unique and while some cats enjoy human contact, love to cuddled and petted, others do not like human-initiated contact. These cats may enjoy some human closeness like sitting on your lap, but they do not want to be picked up and petted. We need to understand that just like you can not change the basic personality of humans with whatever we interact, you will not be able to change the basic personality of your cat and need to accept him as he is.

While we may miss the warnings, cats seldom suddenly turn and bite. An observant cat parent will notice the following clues before the aggressive behavior starts:

• ears may go flat or back
• stiffening of the body
• twitching of the skin or tail
• dilated pupils
• a low growl
• unsheathing of the claws

If you see any of these signs, stop petting immediately and allow the cat to leave.

Once you are aware of the warning signs, you can begin to predict your cat's petting tolerance level. Begin by timing from when you begin to pet your cat to the first instance of the warning signs. You can do this over the course of a week or so. Then, the next time you pet, make sure that you do not exceed this time limit. However, while timing may provide a good guide you still need to watch out for the warning clues.

You can also change the way in which you pet your cat. Some cats may prefer to receive short small strokes; others prefer to be scratched under the chin or between the ears. Not all cats enjoy whole-body petting. Try to pet you cat using the different methods. It should become pretty clear very quickly which methods are tolerable and which are not.

If your cat does bite during petting, please do not physically correct her as this may cause more aggression. However, you can reward your cat for not biting; you can give your cat a treat after each stroke she tolerates. Over time, your cat may associate the petting with trips and, barring any pain, may experience an increased petting tolerance threshold.

In the end, only you know your cat and while you can try all of the suggestions, you may have a cat that simply does not like to be petted. While it is hard to resist that fuzzy little belly, chin, neck, etc., you may simply have to find another more mutually enjoyable way of expressing your affection to your cat.

Source by Marcia Cain

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If Someone is Erasing Or Deleting Their Text Messages, is it a Sign of Cheating?

I often hear from people who can not help but notice that their husband, wife, boyfriend, or girlfriend has been increasingly sending and receiving text messages. However, when they go to check up on those texts, they've often been deleted or erased.

I often hear comments like: "my husband will go and try to find privacy when he's texting. I'll see he has a mischievous and excited look on his face and I get a feeling of dread in the pit of my stomach. when I get a hold of the phone later to see who he's been texting and what he's been saying, I find that he's deleted his entire history. What is going on? Should I be worried that he's cheating on me and using his cell phone to do it? "

These concerns are most definitely valid. Statistics show that it's increasingly common for people to get cating cheating from their cell phones. And, it's very tempting for cheaters to sending playful and flirtatious texts to someone who you are cheating with. Plus, the cheater often thinks that all they have to do is hit the delete button to erase all evidence of wrongdoing. (This assumption can be just plain wrong.)

If you confront your loved one about the deleted texts, they'll often tell you that they were trying to save memory on their phone or that it's just their habit not to let their messages clutter up their phone. And, I suppose there are cases where this is a valid excuse. But, it will often help to look at how soon after the message's use that they are actually deleting it. It's less problematic if they let the message sit there for days or weeks before they get around to erasing it. But, if they're erasing immediately after it's sent or received, then this becomes a good bit more suspicious.

If your loved one is even reasonably tech savvy (and they are very likely if they're constantly messaging, then they are reasonably know that they can easily set their phone to automatically delete old messages after a specified period of time so that having to go in and manually do this is really over kill.

What To Do When Your Loved One Is Constantly Deleting Their Texts: As I see it, you have a few choices here. You can ask or confront them about this, but I have to tell you that an extremely large majority of cheaters will firmly deny any wrong doing. You can ask yourself if there are any places where you're seeing odd behaviors (like at the computer) and then try to follow up and check those places. You can also check the call log, photos, and sent emails. There is software that allows you to go back in and read the texts and only you can decide if you want to take this that far.

I think it often comes down to the other behaviors that surround the messaging and whether or not you believe that this is all innocent or not. And, if you've found this article, I suspect that you might feel like there is more to this than saving phone memory. Sometimes this is not the case, but many times, it is.

Source by Seeta Dean

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3 Ways of Enhancing Your Quality Time Without Gadgets

The guilt I have faced when conversing with my two children while cooking dinner, making a mental note of what to pack in their lunchboxes and then trying to remember the conversation I had to then find out, you were in '' autopilot mode '' and you did not actually hear what they were saying. We miss out on finding out what our children have been doing at school and their day to day antics due to digital noise.

We are all too consumed by technology, so much that it has taken us away from communicating face to face. Access to the outside world is at our fingertips and we have a voyeuristic behaviors, checking what is happening to someone on social media instead of taking time to find out how the person next to you is feeling. I am guilty of this and have had to exercise a few rules in order to spend some quality time with the children. I'm sure you can follow these and amend them accordingly if you do not have children as the main action is to switch off from technology!

  • Switching off phones from 7pm till bedtime. When the phone / iPad / laptop is switched off, there is not temptation to watch that cute cat dancing or the 3 second clip of a hilarious moment captured by someone on vine.
  • Silent or interactive reading – the whole family sits down to read a book individually or together. This serves two purposes, firstly it encourages habitual reading and spending time together. Expands the mind and encourages imagination which in turn leads to creativity.
  • Wednesday board session – every Wednesday we try and play a board game before bedtime. I do get the competitive bug and it is half the fun, it is interactive, fun and great way communicating and staving the need to reach for a gadget.

I've tried the above exercises in the last 3 weeks so far some have worked, the reading definitely worked. Board sessions have not worked so far due to chaperoning kids to some activities in the evening. What do you do to cut off from the buzzing outside world? Are you facing these challenges that we can not escape the voyeurism fed by human curiosity instinct? Do you have the ability to escape the digital noise? How do you silence the noise and find time to reflect and rest? I will find more activities to add to my list as I'm sure there are plenty that work for other people. Until next time …

Source by Martha Mangoyana

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Four Basic Steps For Choosing The Best Kitchen Gadgets

Choosing the BEST KITCHEN GADGETS is all about making the right choice when it comes to shopping for kitchen utensils. Having regrets after purchasing your utensils may either be that you did not make good research (reviews) on the product; did not consider your kitchen budget; did not consider your kitchen size and above all have less need for the equipment. In most kitchen, about 9% of the kitchen budget goes to kitchen accessories, and you may absolutely do not want to misuse your fund by getting accessories that will not be beneficial in your kitchen adventure; so ensuring better choices during your quest for kitchen gadgets will safe you from lot of troubles. Of course selecting your gadget carefully is to know about its sturdiness, performance and durability of your accessories ensuring the value for your money and enhancing high performance during your meal prep time. This article seeks to clear your worries when choosing the best kitchen gadgets for your kitchen.

These are some of the laid down points to consider while planning on getting your Best Kitchen Gadgets:

  • Features, Durability and performance
  • Your kitchen budget
  • Your kitchen size
  • Gadget brand name

Features, Durability and Performance:

We believe that there are unique features in the appliance that makes you choose a particular appliance over another. So knowing and understanding what will solve your kitchen worries is important as you will not regret after making a choice. Also the gadget performance might be what you'll like to consider too as the main aim of going for them is to improve performance in your kitchen; Gadgets brand, Materials that they made off and how sturdy they are probably giving you a clue on the gadget's performance.

Your Kitchen Budgets:

Of course you might not want to spend a 4 digit in your account for a piece of equipment that will be a total crap after a few weeks; so in making budget or plans for your kitchen gadgets it should be for the best of it service. Having careful plan set up is very vital as it will help you spend less for a sturdy and durable kitchen equipment's. Make no mistakes buying random kitchen gadgets without assessing the use it will be put into because it might really be a pain in the head when it serve no purpose in your kitchen.

Your Kitchen Size:

In choosing your kitchen accessories, you should know the size of your kitchen and as well know how to place the few recommended once for convenience. Stay off from bulky appliances when your kitchen size is small; as you need more working space in your kitchen for convenience. The good news is that both big and small kitchens can be well equip to render the same services at any point in time.

Gadget Brand Name:

Shopping with long standing manufacturers with a reputable brand name gives an edge when shopping for your best kitchen gadgets. This is important as so many crappy things will not happen along the line because of their outstanding services and if it does, you may return for free repairs or have it replace if it is still within the warrantee period. As you are considering gadget performance, sturdiness and durability you'll have to consider the gadget brand name too.

Source by David Joseph Sunday

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Where is the Female G-spot?

Finding the g-spot can be a fun and wonderful pleasure-filled activity for you and your partner. Once you find it, you can experiment with it, just like you did when you first started to masturbate, until it feels really good.

When you first start to stimulate it, it can make you have to pee, it can go numb, and it can also start to hurt. All of these experiences are normal.

First you will want to find the g-spot by yourself. To do this either lay down or squat on your bed / couch and insert one or two fingers into your vagina. The g-spot will be on the frontal vaginal wall (closest to your belly button) about 1-2 inches in.

It will feel different than anywhere else, like the roof of your mouth, and once you have found it then you can start to rub it. Remember, any of the above mentioned feelings or sensations are completely normal.

When you have these feelings, just move onto something else, like clitoral stimulation or whatever until the feeling stops.

Once you have found it, it may be hard to stimulate it correctly with your fingers, so it may be useful to have a toy that is designed to stimulate the g-spot. These are relatively inexpensive and work amazingly!

Have fun in exploring your g-spot by experimenting with different toys, motors, depths, and speeds. When you find what really works for you, your orgasms can last anywhere from a few minutes to an hour!

After you have mastered your g-spot, bring your partner into the mix. Show him how to stimulate it with his fingers, the toys, and how to incorporate it into oral sex. There are also various sexual positions that hit the g-spot during sex, such as doggie style and when the girl is on top.

The location of the g-spot is not hard to find, but spending the time figuring out what you like may be, but it is worth it!

Source by Desiree Kat

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Find a Hobby – Invest in an Abundant Life

The title to this article says it all. Find a hobby and you will take a positive step towards having an abundant life. Having an hobby can make you happy, and as everyone knows happiness is a vital key ingredient in being successful in life.

What sort of hobby will suit me? – Think of a subject that might interest you. It might be something that you are passionate about. If not then sit down and write a list of about 5 subjects. Do not think for too long as those things that come to mind first are those which your inner self says you are interested in. They are the hobbies most likely to keep your attention. It could be things you wished you had time to explore, but never had the time or money required to pursue.

Once you have your list of 5 subjects then look at each one individually. Write the name of the subject in the middle of a blank sheet of paper. Draw about 6 -8 spokes out from the subject. At the end of each spoke write a comment about what you like the most about this subject.The hobby with the most comments is the one to focus on.

You need to think laterally. Say the subject that comes top is Formula One Racing. But you say to yourself how can I afford a racing car. Do not dismiss the subject. You could think of joining a supporters club. If it is the thrill of speed that you like then try Go-carting. Substitute Go-carting for Formula One Racing and see if the comments at the end of the spokes tick the same box's in your head. If they do that is the hobby for you.

If it is collecting things that might interest you then look around your home for clues. What items have you already got that you bought just because you liked them. What items have you kept from childhood. If you have a collection of items so will others and they will want to swap stories about them with you. Do a Google search for forums about the item.

Some years ago I was in Long Beach in California, I was staying on the Queen Mary. While I was there a large group of people were coming on board. They were having a Steiff Bear convention. It never crossed my mind that people would be that passionate that they would travel from all over the country and abroad just to talk about stuffed bears.

Whether it is Go-carting or collecting Steiff Bears one thing is sure, engaging in an hobby will add new dimensions to your life. You will meet and interact with like minded people. It will give you a sense of achievement, both moment by moment and in the long term. You will find that having a hobby will lead to a rewarding, satisfying and more abundant life.

Source by Jonathan Bruce Jarvis

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Find a Hobby – Invest in an Abundant Life

The title to this article says it all. Find a hobby and you will take a positive step towards having an abundant life. Having an hobby can make you happy, and as everyone knows happiness is a vital key ingredient in being successful in life.

What sort of hobby will suit me? – Think of a subject that might interest you. It might be something that you are passionate about. If not then sit down and write a list of about 5 subjects. Do not think for too long as those things that come to mind first are those which your inner self says you are interested in. They are the hobbies most likely to keep your attention. It could be things you wished you had time to explore, but never had the time or money required to pursue.

Once you have your list of 5 subjects then look at each one individually. Write the name of the subject in the middle of a blank sheet of paper. Draw about 6 -8 spokes out from the subject. At the end of each spoke write a comment about what you like the most about this subject.The hobby with the most comments is the one to focus on.

You need to think laterally. Say the subject that comes top is Formula One Racing. But you say to yourself how can I afford a racing car. Do not dismiss the subject. You could think of joining a supporters club. If it is the thrill of speed that you like then try Go-carting. Substitute Go-carting for Formula One Racing and see if the comments at the end of the spokes tick the same box's in your head. If they do that is the hobby for you.

If it is collecting things that might interest you then look around your home for clues. What items have you already got that you bought just because you liked them. What items have you kept from childhood. If you have a collection of items so will others and they will want to swap stories about them with you. Do a Google search for forums about the item.

Some years ago I was in Long Beach in California, I was staying on the Queen Mary. While I was there a large group of people were coming on board. They were having a Steiff Bear convention. It never crossed my mind that people would be that passionate that they would travel from all over the country and abroad just to talk about stuffed bears.

Whether it is Go-carting or collecting Steiff Bears one thing is sure, engaging in an hobby will add new dimensions to your life. You will meet and interact with like minded people. It will give you a sense of achievement, both moment by moment and in the long term. You will find that having a hobby will lead to a rewarding, satisfying and more abundant life.

Source by Jonathan Bruce Jarvis

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Bringing Home Your New Cat or Kitten

Bring a new cat or kitten into your family can be a very exciting time. You can check out different breeds to find out what trains appeals to your lifestyle. One thing to consider is that most cats have a life expectancy of 15 to 20 years. If you get a cat for your child, be sure you will be able to take responsibility for it when they go off to college or if they move and are not able to take the cat with them. Animal shelters are a good place to find a new family member and sometimes you can even find a pure bred pet. By adopting an animal shelter, you are also saving a life as their time there is usually limited.

When you are ready to adopt a new cat or kitten, the important things you will need to have are food and water bowls, a litter box, bed, grooming tools and plenty of toys for them to play with. Scratching posts and cat trees are a great way to train your new family member where they can use their natural instincts like climbing, scratching and jumping. It will also save your furniture.

Another thing to consider when looking for a new pet is to be sure you have the means to care for them. This would include food, litter, a professional pet stylist if you are unable to handle brushing and bathing and the most costly could be veterinarian visits. Veterinarian visits may only be an annual exam or if it is an older cat or has medical issues veterinary visits will be more frequent and costly. One thing that can help with this is pet insurance if you decide to purchase it.

By being a responsible cat owner it is very important to have your cat micro-chipped and spayed or neutered. By doing this, it helps cut down on the number of pet that end up in the Shelters. Most Shelters and rescue groups include this in the price of adoption so it will be taken care of before you bring your new furry friend home. If you adopt a kitten it is easy to train them to be indoor only but older cats can also be trained, it is just a little harder sometimes. Cats can be sneaky so having a collar with a breakaway buckle and ID is always a good idea.

Cats need to be exercised so having toys to keep them moving and in shape. having laser pensers and feather teasers you will be able to interact with your cat which will strengthen the bond between you.

Cat proofing your home is extremely important to avoid any nasty accidents or worse results .. Electric cords need to be kept out of their reach. All medicines, chemicals and cleaning products need to be kept in a cabinet they can not open. Sometimes a child proof lock is necessary to ensure their safety. Appliances such as dishwashers, washing machines and clothes dryers should be checked before to ensure your cat has not climbed in to investigate or curl up for a nap.

Source by Gabbi Hall

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What Is Amazon's Choice?

So you've received an email that one of your products have received an Amazon's Choice badge. What is it? How can it help your business? This article will give you an in-depth definition of this feature.

What is Amazon's Choice?

Amazon's Choice is a feature that helps people save time and effort when looking for common, everyday items. Initially meant for Alexa-enabled devices like the Amazon Echo and the Echo dot, this feature has now paved its way to the website and the Amazon app.

The Amazon's Choice badge is a recognition given to select products that meets a certain criteria. The criteria are a closely guarded secret; however, judging from products that received the badge – highly rated products and well-priced ones with Prime Shipping are the ones usually selected.

Amazon's Choice vs Best Sellers

Amazon's Choice is mainly a suggestion for customers buying a product for a specific query for the first time. So, if you have looked for pet seat cover for the first time, this would be on top of the list. When you asked Alexa for a car seat cover for the first time, Alexa will suggest products with the badge first.

This will not affect the customers repeat purchases, as what they've bought before would still be the one that Alexa will suggest.

Best Sellers on the other hand, are rated by the volume of sales of the product (while taking into account the historical data), relative to other products in the category. The rank is based on sales, not reviews nor ratings. So, unlike Amazon's Choice you may find that some Best Sellers have low review ratings.

How to Get the Amazon's Choice Badge?

To receive such recognition, the seller must have an Amazon Prime, has received positive ratings from the customers and provide excellent service (mainly focused on fast delivery). These factors may or may not be the reason products get chosen as we know that the reason a product is chosen is a closely guarded secret, but it does not hurt if you try to improve on these criteria.

The badge can not be bought like an ad would nor can it be suggested. There is not any means to suggest your product to Amazon for eligibility.

Conclusion

Amazon is keen on making it as easy as possible for customers to find products that would satisfy their needs. It makes it easier for people to find what they are looking for faster and much easier than before. Thanks to Alexa shopping for a product for the first time is as easy as asking Alexa for it.

Source by Arnel Y Colar