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Hands of Time
Now you can look as young as you feel…with Arbonne’s REvolutionary anti-aging product lines. Tired eyes look years younger when dark circles, puffiness and fine lines are visibly reduced. Botanically based formulas support the special skin care needs of both men and women. From face, body and supplement to sun protection, these REsult-oriented formulas help firm the appearance of the skin, while smoothing and brightening skin for a healthy, younger-looking appearance.    

A REvolution in Anti-aging Skin Care
Arbonne began the original REvolution in anti-aging, with NutriMinC RE9. This product line was the first of its kind to address the “after” effects of sun exposure and aging with a REsult-oriented system of products for face and body. Formulated with nine key, anti-aging elements, these products have changed the face of skin care.

The NutriMinC RE9 Product Line

Face
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Treatment
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For a complete list of products, visit http://www.beautyadvisor.myarbonne.com/

Technorati Tags: Bethesda, Chevy Chase, MARYLAND, Potomac, skin care, VIRGINIA, WASHINGTON DC

What : Swiss Skin Care Work Shop!

When: March 11th, 2010

Time: 7:30

Where: 7607 Old Georgetown Road, Bethesda, MD 20814

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Technorati Tags: Bethesda, Chevy Chase, MARYLAND, Potomac, skin care, VIRGINIA, WASHINGTON DC

Arbonne combines superior, botanically based products with a generous compensation plan, exceptional support, training and committed leadership to create the perfect window of opportunity for you!

Simply put, network marketing is a distribution system, or form of marketing, which channels goods or services from the manufacturer to the consumer through a “network” of independent distributors or Consultants. It’s a wonderfully effective system that cuts out the “middle man” found in most industries.   Traditional marketing moves products from the manufacturer to wholesalers, warehousers, shippers, advertisers and retailers before ever reaching the consumer. In network marketing, all of these “middle men,” including the advertisers, are replaced with independent distributors who distribute the same products throughout their own network of consumers. This way, the large profit that would normally go to the wholesalers, warehousers, shippers, advertisers and retailers goes to the independent distributors and those who help train them.     Leading traditional retailers are known to spend 25–30% of every sales dollar on advertising, media and other promotions, while network marketing uses those same dollars to reward individuals for “word-of-mouth” promotion. Because network marketing relies on developing and keeping trusted relationships, the product quality and service is often much higher than standard retail brands. After all, if you are going to personally recommend a product to a friend, you have to believe in it!   TAKE A CLOSER LOOK: NETWORK MARKETING Worldwide, there are more than 25 million distributors in the network marketing industry.   IS   IS NOT     A challenging, yet rewarding career opportunity where your income is based on your effort. Big business (upwards of $100 billion in goods and services sold globally) that is helping people put their lives back in balance. Personally empowering. In network marketing, you can work at your own pace and choose your own hours to achieve the rewards YOU are looking for. A lucrative, home-based business with a recognized distribution system, legal in all 50 states, with portions regulated by consumer protection groups, the FDA and the FCC.     An easy, “get-rich-quick” scheme. A fad that everyone seems to be jumping into, only to be replaced with the next opportunity and promises of great wealth. A cult where you live and breathe the products and the company 24 hours a day. A pyramid or scam where a few people end up with loads of money and many, many more don’t. ARBONNE OFFERS YOU • Superior, botanically based products • Generous compensation plan • Exceptional support and training • Committed leadership Arbonne will allow you to do all of the following: • Use incredible products • Do something you already know how to do • Work alongside your main job • Blend family, friends and fun with income • Begin with minimal start-up expenses If any or all of the below are true for you, Arbonne might just be what you’ve been looking for. • Do you like to use botanically based products? • Would you like to have more time and money for your family? • Do you value having creative control over your life? • Do you care about others and want to make a positive difference contributing to people’s lives? THREE WAYS TO JOIN 1. Client • Botanically based skin care, cosmetics and nutrition products • Excellent customer service and convenient delivery • Product gifts for referrals and hosting Presentations 2. Preferred Client • Enjoy a 20% discount off the suggested retail price on all products • Access to ongoing Product Specials and other monthly promotions • Product gifts for referrals and hosting Presentations 3. Consultant • Enjoy a 35% discount off the suggested retail price on all products • Unlimited income potential • Mercedes-Benz Cash Bonus Program • Upline support, training and achievement recognition and awards

Technorati Tags: Bethesda, Chevy Chase, MARYLAND, Potomac, skin care, VIRGINIA, WASHINGTON DC

Technorati Tags: homes, house, MARYLAND, real-estate, tax credit, United States, VIRGINIA, WASHINGTON DC

Last updated: June 4, 2009  12:25pm
New Tax Credit Strategies Possible

By Erika Morphy

WASHINGTON, DC-For the last nine months or more the use of tax credits to help finance development, namely New Markets Tax Credits and Low Income Housing Tax Credits, have been characterized by the following: The capital markets crunch has prompted more developers to look anew at these tools as good alternatives to bridging gaps in financing for projects. At the same time, the recession has significantly narrowed the option, by killing the demand for such credits. After all, banks have little need for tax credits when they are not making a profit against which to offset them.
There are signs, though, that this situation is about to change thanks to government measures, starting with the American Recovery and Reinvestment Act that passed in February. Included in that legislation was a clause that allows states to use these funds to cash in unused Low Income Housing Tax Credits.

Developers then will receive grants in lieu of, or in addition, to the tax credit program. As states receive stimulus funds, many housing agencies are now putting in place new tax credit programs based around grants instead of LIHTCs.

“This has been a big focus for developers and states – how to administer the grant program,” Greg Dahlgren, an attorney with DLA Piper’s real estate practice, tells GlobeSt.com. “Every state is coming up with its own program on how to use those grants.” He says the preference for many appears to be a combination of grants and credit, so there is some equity investment in the deal.

The need for grants instead of credits is clear: buyers of these credits have all but disappeared from many, but not all, markets. Besides the banks, Fannie Mae and Freddie Mac were key purchasers; they have all but ceased such operations.

“We do have some syndicated clients that have investors they work with, some mid sized banks that haven’t been touched the economic crisis, they are still making money and LIHTC satisfy community investment requirements,” Dahlgren says. “But the market is not good and prices are very down.”

This is not to say deals are completely dead. Tom Sestanovich, partner at Ervin Cohen & Jessup’s Real Estate Department, tells GlobeSt.com that LIHTC usage in California is still active. “The market and the prices change every day. There is still demand for these credits.”

A separate but related category are New Markets Tax Credits, which cannot be used for large scale residential projects, essentially if 80% or more of the income from a project comes from housing NMTC cannot be used, Lee Sheller, also a partner at DLA Piper, tells GlobeSt.com.

NMTC have garnered more interest from developers since the start of the crisis but paradoxically from a practical sense they have only been used by the strongest of developers, he explains. As it LIHTC it has been more difficult to tap outside investors for these projects. So developers have had to kick in more money themselves if they wanted to leverage these credits, typically structuring it as a loan to the investment fund that lends to the project, rather or in addition to taking an equity position in the deal.

At the end of May, though, the Treasury Department announced $1.5 billion in New Markets Tax Credit awards for 32 organizations throughout the country, awards that should ease some of the constraints for developers. The awardees announced in May are planning investments in renewable energy projects, charter schools, health care facilities, manufacturing companies and retail centers. Enterprise Community Investment in Columbia, MD, for instance, received $95 million in NMTC authority from Treasury last month. It will be using its new allocation to create a fund for sustainable commercial development.

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First-Time Home Buyer Tax Credit for Closing Will Move Market

Posted by NATIONAL ASSOCIATION OF REALTORS 06/03/09 10:20 AM EST
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(WASHINGTON, DC) — Consumers across the country can now take advantage of a Federal Housing Administration program to allow qualified home buyers to apply the $8,000 tax credit when purchasing a home. FHA will now permit its lenders to provide a short-term bridge loan that will let qualified home buyers use the tax credit to either make a larger downpayment above the FHA required 3.5 percent, cover closing costs, or buy down their interest rate.

By – Charles McMillan

“A true housing recovery depends on buyers returning to the market and reducing inventory,” said National Association of Realtors® President Charles McMillan, a broker with Coldwell Banker Residential Brokerage in Dallas-Fort Worth. “Since many of the homes available are lower priced starter Homes, the ability for individuals to use the tax credit at closing should have a meaningful impact on home sales and values and will allow thousands of families to achieve the dream of homeownership.”

Shaun Donovan, secretary of the Department of Housing and Urban Development, announced the change today. In an address to several thousand Realtors gathered two weeks ago at NAR’s Real Estate Summit: Advancing the U.S. Economy, Donovan announced HUD’s plan to offer the tax credit as downpayment assistance. Donovan detailed the modifications to that original proposal and announcement.

“We all want to enable FHA consumers to access the home buyer tax credit funds when they close on their home loans,” Donovan said. According to Donovan, the FHA’s approved lenders will be permitted to “monetize” the tax credit through short-term bridge loans allowing eligible home buyers to access the funds immediately at the closing table.

NAR has supported monetization of the tax credit, which was part of an Obama administration housing stimulus plan enacted earlier in the year. NAR petitioned HUD to allow home buyers to use the $8,000 tax credit to help them cover downpayment or closing costs to bring new home buyers to the market and stimulate home sales.

“We think this is a good program; our members have been getting many inquiries from potential buyers about it,” McMillan said. “NAR is pleased that this enhancement has been made to the administration’s housing recovery program. As we have heard before, there can be no economic recovery without a housing recovery. With an abundance of inventory, reduced home prices, historically low interest rates and now the availability of the tax credit at closing, we expect to see the housing market further stabilize and improve.”

The National Association of Realtors, “The Voice for Real Estate,” is America’s largest trade association, representing 1.2 million members involved in all aspects of the residential and commercial Real Estate industries.

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