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By Foras Aje We all remember when we were teenagers. Boy, what a phase in our lives. What with the need for peer acceptance, parental expectations, raging hormones, acne… Its no wonder teenage depression exists in such high numbers. From research and even mere observation, teenage depression actually manifests itself differently from adult or childhood depression as during this age, teens want to start to mark their territorial signs of independence and the last thing a teen may want to do is admit they need help for depression. Teenagers tend not to display gloom, self-depreciation, or talk about feeling hopeless like adults do during this stage of their lives if they are depressed, so as a parent or adult role-model you may need to watch for other signs of depression in the teenager you are dealing with. Teenage Depression: Symptoms to watch out for Though the signs of teenage depression may vary in both sexes, here are some symptoms that are common to both male and female teens battling with depression. 1. Excessive negativity and antisocial behaviors. 2. Wanting to leave home or retreat to their rooms constantly. 3. Inattention to personal appearance. 4. A lack of desire to co-operate in family get-togethers and activities. Signs of Teenage Depression in Males: 1. Increasing in aggression and agitation. 2. A higher tendency to get in trouble with school or the law. 3. Reckless behavior such as uncontrolled use of illegal substances. Signs of Teenage Depression in Females: 1. Less attention to their appearance. 2. Pre-occupation with death and themes of suicide. 3. Excessive promiscuity or an extreme isolation from members of their opposite sex. Although this is not a conclusive list of the signs of teenage depression one should look out for in teens, the ones listed above are the most common ones. In addition to these depression symptoms in regards to teenager, other ones may include a lower self-esteem than average, referrals to suicide (in extreme cases) and a general negative outlook on life. It indeed may be challenging to cope with as an adult to deal with a depressed teenager as its a catch 22 situation, they want to be independent as teens, yet they need your help. Well, this may be a good time to simply take charge, albeit with care and caution as we are dealing with delicate and sensitive emotions here and reach out to help. Teenage Depression: Solutions for coping with depression in your teen 1. If necessary, seek professional help. I lean more towards drug-free alternatives so meetings with competent Pastors, guidance counselors, teachers and therapists may suffice to at least get a diagnosisif you need one. 2. Talk to your teens friends and or their parents, although this approach requires care, remember, they are starting to declare independence and snooping around on them may be defeating the purpose of reaching them, so do this with care and tact. 3. Suggest one-on-one outings with phrases like: hey, how about a game of basket ball, just you and I..? or Hey how about us girls take a trip to the Mall? If they refuse, dont appear too crushed; simply respond with an understanding okay maybe some other time 4. Ask if there is anything theyd like to discuss and this will be a great time to be more of the listener and less of the talker as soon as they start to open up. 5. Dont be what youve not always been to your teen, in other words being overly nice or Bill Cosby-ish (no pun intended Mr. Cosby) , trust me, theyll see right through the act and may withdraw even more. 6. Watch for signs of suicide (in extreme cases) and if there is the slightest indication, double up your efforts to reach your teen. It helps if youve been close as parent and child from the beginning. 7. In the hopes things are not as extreme, soon as they manifest signs of reaching out, help, be there. Incorporate such limbs of a natural treatment for depression as exercise, proper diet and positive thoughts and affirmations. 8. Set a good example of being upbeat around your teen as much as possible. This can also be more of preventive measure if any. 9. Prayer. If you are spiritual, pray and it doesnt hurt and can help immensely to ask your depressed teen to join. Where two or more are gathered in My name, there will I be. Keep that promise from Above in mind-it works. Teenage depression may wear a different mask from all other types, but it is essentially the same and with the proper steps taken can be overcome. Do not panic, however, be strong and there for your teen and in applying the steps above with other suggestions or creative ideas you deem right as an adult dealing with a depressed teen, you will be able to steer him or her back to a positive outlook on life. Foras Aje is an independent health researcher and founder of Bodyhealthsoul.com. For more information on Depression Treatment, feel free to stop by his website today. Article Source: http://EzineArticles.com/?expert=Foras_Aje http://EzineArticles.com/?Teenage-Depression:-Is-It-Just-a-Phase-in-Growth?&id=189851 business credit card with no credit check advance american cash advance business llc payday loan self employed easy no fax payday loans payday loans

By Kris Lazaro In most romantic comedies, we find friends who magically fall in love with each other and live happily ever after: a situation in the real world that will hardly happen. Although there are instances where guys and girls can be just friends (circumstances where either party has no feelings for the other), in most times it is really difficult to maintain a friendship with the opposite sex. Friendships can take on many forms, but once a friendship becomes close between a male and a female, it is only inevitable that one party falls for the other. In general, nonsexual intimacy forms between really close friends: a fact that will form the basis of my argument. Many things breakup a friendship, but perhaps the thing that breaks up most opposite-sex friendships is this topic. On a personal note, I, too have fallen for my best friend. We met in high school and became really close friends. When we both moved away for college, we stayed in close contact: talking to each other on the phone almost on a daily basis, and seeing each other during holidays and breaks. This closeness developed feelings in me for her, and I tried to bottle up these emotions, but one can only hold it in for so much. When I finally told her how I felt, our friendship indeed suffered. She did not share the same feelings as I did, and for this I felt hurt. We did not communicate with each other for several months following this, and even though we now talk, it has not been the same. If one of the parties holds in their emotions for the other person, it will ultimately burst out in the end. When that friend in question starts going out, and/or gets a significant other, it will be quite painful for the prior. I suggest telling that other person, notwithstanding a negative outcome (one might as well know the truth, before someone gets really hurt in the end). In closing, do not fall for your opposite-sex friend, lest you risk your friendship. If you are a man and having a hard time finding the right woman, try your luck with online dating. There is a new online dating community with a plethora of third world women, called streammates looking for love with Western men. Since the women are more desperate than men, it is free for you to join. We recommend checking out the Free Streammate Chat resource at http://www.camsfaq.com Article Source: http://EzineArticles.com/?expert=Kris_Lazaro http://EzineArticles.com/?Why-Being-Just-Friends-Is-Impossible&id=152329 personal loans done online rapid payday loan small personal loans for people with bad credit direct payday loan cash advance

By Aurel Radulescu A national study recently revealed telling facts regarding low-fat diets and their benefits relating to cancer and heart disease. A study concluded by the Womens Health Initiative (WHI) and Stanford University noted that a low-fat diet, alone, is not enough to greatly reduce the risk of heart disease and/or cancer in adult women. Researchers have found that a reduction in saturated and trans fats may provide more positive results. The study showed that women who participate in a low-fat diet experienced a 9% reduction in the development of breast cancer. In addition, no significant changes were noted in the occurrence of heart disease. An impressive 49,000 females, ranging in age from 50 to 79, participated in what is known as the Americas largest long-term study of a low-fat diet to ever be noted. The research was conducted over a period of eight years, in which the experts planned to test the theory that low-fat diets were helpful in reducing the risk of heart disease and cancer. Among the 49,000 subjects, 40% were assigned to a low-fat diet, which required that they reduce their fat intake to 20% of their total calorie intake. In addition, they were to eat fruits and vegetables on five or more instances throughout the day, along with six servings of grain. The remaining 60% of participants were designated as the comparison group and were instructed to maintain their eating habits as always. Womens Health Initiative experts, however, noted that a number of low-fat diet participants did not meet the 20% fat intake goal. In a recent news report released from Stanford University, experts conveyed that women who wish to maintain their health should consider a diet that is both low in saturated and trans fats while being rich in fiber and vegetables. This diet would replace one that is geared solely toward the intake of low-fat foods. Just switching to low-fat foods is not likely to yield much health benefit in most women, commented Marcia Stefanick, PhD, professor of medicine at the Stanford Prevention Research Center and chair of the Womens Health Initiative steering committee. Rather than trying to eat low-fat, women should focus on reducing saturated fats and trans fats. In addition to any diet program, regular exercise and health screenings should be used for early detection and the most effective treatment. The information in this article is intended for informational purposes only. It should not be considered as, or used in place of, medical advice or professional recommendations for diet and/or exercise regimens. Every individual should consult his/her physician prior to beginning any program consisting of diet and/or exercise. Read everything about women bodybuilding, aerobic exercises or read about diet during pregnancy on http://www.weekbyweek-pregnancy.com. Article Source: http://EzineArticles.com/?expert=Aurel_Radulescu http://EzineArticles.com/?Truth-About-Low-Fat-Diets-Benefits&id=162908 paycheck to paycheck cash advance florida fast hard money direct lender payday lenders in nevada

By Ken Marlborough Fly fishing is one of the fastest growing sports at the moment. Men and women both enjoy it and many participants say that the feeling they get from catching a fish is extraordinary. To be successful at fly fishing, it is necessary to have the proper equipment. One of the most important components of a fly fishing rig is the fishing reel. People who go to a large sporting goods store will be amazed by how many reels are there. The fly reel is very important because it dictates how much control the fisher will have over the line. The most important thing to take into consideration is matching the reel with the individual fishers particular needs and fishing style. The reel must be sized for the line that is to be used. Several models allow the use of multiple line sizes. Also, different types of reels have different spool lengths. Some fly fishing reels provide a full rotation of the reel with just one crank of the handle while others provide more rotations of the spool with one handle turn. Another important factor is the size of the center of the reel, also called the arbor. The size of the arbor is important because it determines how easy it is to reel in a fish once it is caught. Fly fishing reels with larger arbors make it easier to wheel in the catch with fewer rotations. Also, the drag system (resistance placed on the line) is very important and mostly adjustable on most reels. The material used to construct the reel is also worth taking into consideration, since some materials are better for salt water because they are more resistant to corrosion. To sum up, it is important to carefully choose a fly fishing reel, as a poor reel can frustrate even the most talented fly fisher. People who do not know what to choose should talk to an expert to point them in the right direction. Fly Fishing Trips provides detailed information about fly fishing trips, fly fishing gear, fly fishing knots and more. Fly Fishing Trips is affiliated with Bed And Breakfast Maine. Article Source: http://EzineArticles.com/?expert=Ken_Marlborough http://EzineArticles.com/?Fly-Fishing-Reels&id=119796 get student loan with bad credit homeowner loan online 2 days uk secured personal loans online pay day loan religious right distribution

By Todd Going Adopting a child is one of the most loving gestures that someone can provide. Welcoming a new child into a family is both a joyous celebration and rewarding. In Texas, one of the few drawbacks of child adoption is the large amount of legal paperwork and waiting time involved in the process. The paper work is something that cannot be avoided if you wish to adopt your child legally. The waiting period is also vital because it ensures the quality and integrity of the parents, as well as the living environment the child will be presented with. Texas law goes the extra mile to protect children from potentially harmful relationships so it is very important that the paperwork is done correctly and in a timely fashion. In certain cases, when older children or adults are adopted, numerous considerations must be made in order to provide for the new status and transfer of responsibilities to the parents. Adopting adult children requires a certain level of trust between the two parties and the adoptee must be willing to surrender part of their identity to grow with this new family. In Texas, Legal counsel can greatly increase the efficiency and expedite the long paper-work process. Hiring a qualified Texas adoption lawyer is often the best resource in these types of situations. To learn more about adopting a child in Texas, please visit http://www.setexasfamilylaw.com for more information. This article may be freely reprinted as long as this resource box is included and all links stay intact as hyperlinks. Article Source: http://EzineArticles.com/?expert=Todd_Going http://EzineArticles.com/?Texas—Adopting-a-Child&id=73449 baton rouge car loan for people with bad credit personal loan please i need one bad debt consolidation loan best deal bad credit florida car loan for people with bad credit

By [http://ezinearticles.com/?expert=Max_Bellamy] Max Bellamy MAOIs act by inhibiting monoamine oxidase, a complex enzyme system that metabolizes excess serotonin and epinephrine. It holds the negativity of inducing potential life-threatening problems and therefore cannot be used in patients with congestive cardiac failure or in those with a history of liver disease. It can be dangerous for those who are hypersensitive to its ingredients. It should be used only when other available Antidepressant medications fail as treatment options for depression. TCAs act mainly by inhibiting the reuptake of both norepinephrine and serotonin. Though the type of side effects experienced by the patient due to TCAs or MAOIs are many times similar, the frequency of these side effects is much less in the case of TCAs. Thus, TCAs enjoy a better rate of acceptance by the patients. The SSRIs act by inhibiting the serotonin reuptake and are considered the most popular, effective and safe prescription medications. Prozac, a drug of this class, has shown significant success in the treatment of depression and prevention of suicide. It exhibits less potential side effects as compared to TCAs and MAOIs, and is well tolerated. It should be noted that these three therapeutic groups share the similarity of relieving depressive symptoms in the same period of time (1 to 4 weeks). The SSRIs, because of their benefit of safety and tolerability, enjoy the stand of first-line agents. The TCAs are much cheaper than SSRIs and are preferred by patients who are unresponsive to other Antidepressants. The SNRIs better serve a patient of depression by aiming to keep both serotonin and norepinephrine at the right level. The drug bupropion (novel Antidepressant) is unique in its efficiency to inhibit the reuptake of dopamine, serotonin and norepinephrine. [http://www.e-Antidepressants.com] Antidepressants provides detailed information about antidepressants, antidepressant comparisons, antidepressant medications, antidepressant side effects and more. Antidepressants is the sister site of [http://www.i-canadianpharmacy.com] Canadian Mail Order Pharmacy. Article Source: [http://ezinearticles.com/?expert=Max_Bellamy ] http://EzineArticles.com/?expert=Max_Bellamy [http://ezinearticles.com/?Antidepressant-Comparisons&id=146550 ] http://EzineArticles.com/?Antidepressant-Comparisons&id=146550 greatland hard money lender personal loan rates hard money smell the roses no credit check saugus ma can project payday really make you money

By Antoinette Boulay Body detox at some clinics and spas can be incredibly expensive, and actually it may cost up to thousands of dollars based on the seriousness of the case. That is one reason why many people prefer to do their own home body detoxification, which is far more effective to their viewpoint, and less expensive too. Home body detox is in fact comparable to what a detox center will provide you. The discipline imposed on you to follow in the center, contrasted to the freedom you enjoy in the comfort of your own home, is the only dissimilarity. Your body requires a cleansing detoxification at least once every six months, if there are too many toxins in your body or your body pH is too high, according to studies. A lack of cleansing your bodys system can lead to many kinds of problems and illnesses. Specifically, when your pH is too high, the body becomes vulnerable to disease. Disease may develop due to your bad eating habits, lack of exercise, too much sugar, salt, and caffeine, pollution in your environment, or a buildup of toxins in the intestines. Any and all of these will lead to the breakdown of cellular function; eventually after your body has given up trying to fight against it, you will fall sick. Experts recommend you pay close attention to your food and liquid intake, and once in a while, detoxify yourself. A home body detox is not so demanding really, because it essentially does not entail any clinical or medical process. Home body detox is one of the greatest ways of keeping ourselves cleansed and vigorous, along with techniques like special diets, natural therapies and vitamin supplements. Home body detox has few if any side effects and is not harmful at all. It is a simple process. The main organs involved in this home body detox are liver, colon, kidneys, and the blood and lymph systems. For colon detox, you would simply consume more fresh raw fruits and vegetables, all varying in colors and types. Cutting down on meat and other unhealthy food will help a lot. Or sometimes, you can also take coffee enemas. The process takes place over an extended periods; typically between three to six months. For the liver, a higher level of green foods and drinks would be appropriate, with an addition of homeopathic detoxosode drops. Kidney home body detox includes adding the drinking of unsweetened cranberry concentrate to the existing food types. To read about rapid detox programs and detox diet plan myths, visit http://www.medopedia.com Article Source: http://EzineArticles.com/?expert=Antoinette_Boulay http://EzineArticles.com/?Detoxification-Tips-for-Your-Home-Body-Detox&id=524936 banks issue payday loans payday loans 30 min or less purchases cash advance internet personal loans

By Wesley Atkins In order to make the most of your weight loss program, finding the most effective ways to burn fat will maximize your results and minimize your waistline! Follow these 10 tips for fat burning if you want to lose weight and lead a healthier way of life. 1.) Drink More Water One of the best weight loss secrets is to ditch the sodas and stick to water! Experts say you should drink approximately eight glasses of water a day to stay hydrated and healthy. Instead of turning to calorie-laden or sugar-rich drinks, grab a refreshing glass of water. In addition to flushing toxins out of your system, drinking water encourages you to build muscle. 2.) Eat More Meals A traditional three-meals-a-day plan just will not cut it if you are in the market to burn fat. Your body is not able to metabolize large meals and will quickly turn any excess into fat. Many experts believe you should eat six small meals a day. Be sure you cut back on your food consumption at each meal, or else you will be doubling your intakeand doubling your fat storage! 3.) Work Out with Weights One great way to maximize the amount of fat you are burning is to add a weight program to your work out routine. Weight training will not only tone your physique, but will strengthen your body and improve your general health. Lifting weights will also burn calories and fat more quickly than traditional exercising, and it will also boost your metabolism. 4.) Choose Protein Choose protein-laden foods for boosting your metabolism and enabling your body to burn fat rapidly. In addition to burning fat, consuming a protein-enriched diet will help you rebuild muscle after work outs and maintain leanness of that muscle. Wisely choose proteins for your diet. Take great care to pick proteins low in fat so you do not consume extra calories. 5.) Cut Calories Wisely It may be tempting to drastically cut your calorie intake when starting a healthy lifestyle. Instead, use a step method when cutting your calorie intake to minimize risk. Reducing calories too quickly results in your body rapidly burning all available calories, which will lower your metabolism. Furthermore, you are more likely to maintain your healthy lifestyle through this step method. 6.) Reward Yourself When it comes to successfully dieting to burn the most fat, be sure to reward yourself. Everyone has temptations and favorite treatsso allow indulgence. You will be less likely to cheat on your new diet if you grant yourself small rewards. If you are a chocolate lover, treat yourself to a small square of chocolate or single chocolate kiss each evening. 7.) Avoid Marathon Work Outs The biggest mistake people make when looking to burn fat and lose weight is to have one long, extensive work out session. Instead, break up your work out plan into small chunks throughout the day. Take a brisk walk in the morning, enjoy a work out at lunch, and then exercise more in the evening. In addition to staying active all day long, breaking up your work out will better maintain your metabolism. 8.) Mix It Up Choosing to engage in a variety of quality exercises will keep your interest and best allow you to maintain your goal of burning fat. Instead of doing the same exercises each daymix it up! Opt to swim laps one day, jog another, and bike the next. Rotating your activities will not only allow you to experience a variety of athletics, it will also allow you to better tone your body. 9.) Skip Happy Hour For those individuals who want to burn fat quickly, avoid alcohol. Rich in sugars and carbohydrates, alcohol is a calorie-rich substance. These empty calories can add up quickly and take away from necessary nutrients that should be included in your daily diet. Furthermore, alcohol acts as an inhibitor for burning fat, allowing your body to store it more quickly. 10.) Try a Low GI Diet A low GI diet is an excellent method of burning fat quickly. This diet encourages individuals to consume high amounts of foods with low rankings on the Glycemic Index. These foods are nutritious and will aid your body in burning fats and calories at a quicker pace. This diet includes many of your favorite fruits, vegetable, meats, dairy, and grain products. Copyright 2005 Wesley Atkins Wesley Atkins is a fitness and nutrition coach. His website The Low GI Diet Breakthrough reveals his inside secrets, tips, and resources that allow his students to routinely lose up to 19 pounds in just 21 days. To claim your free report visit: http://www.lowgidietbreakthrough.com Article Source: http://EzineArticles.com/?expert=Wesley_Atkins http://EzineArticles.com/?10-Killer-Tips-for-Rapid-Weight-Loss&id=86607 bad credit auto loan refinancing hard money mortgage lenders cash advance on credit card debt consolidation loan no credit check

By David Blachley A homes windows covering are now getting a lot more attention from the neighbors and home appraisers when shutters are installed. Shutters are proving to be a better window treatment, due to the fact they are the only window treatment to increase a homes value and are a major visual element additive on the inside and the outside of the home. Shutters also control the lighting and set mood for each room. Most interior designers feel that shutters provide a finished look to a window and they are more durable than draperies, curtains or blinds. More than ever before, homes with shutters are recognized as substantially upgraded and thus shutters are the number one window covering all other products. The shutter category is the number one window covering product in recent years. Surveys have shown that 7 out of 10 consumers prefer shutters over any other type of window covering, however only 2 out of 10 can afford them due to the high price. Shutter offers many advantages over blinds and curtains. Shutters offer superior insulative and control of light entering a room, varying from opening the shutters all the way for a full view to fully closed for an almost blackout control. Shutters in general are lower maintenance than most other types of window covering. Older style shutters with staples require replacement every few years and special cleaning and upkeep, synthetic vinyl and Polywood materials can withstand wet environments such as outdoor use and saunas. In recent years a laminate DuraShutter material with snap-in non staple construction provides durability and low cost alternative advantages. Shutters can provide a better insulation value than any other type of window covering. Since 10 times more heat can pass through a glass window than through wall adding a shutter to your window will lower your heating and air conditioning bills. Shutters are commonly made from 3 different types of materials. Each type has its own strengths and weaknesses as well as environmental effects. Traditional shutter manufacturers use wood and then spray paint or stain them to just about any color you desire and they perform well under most conditions. Like any wood product they are subject to warping over time and the paint can peal and crack over time. Unfortunately, some woods are imported and the harvesting of some trees causes harm to the environment. In addition most shutters are painted using lacquer based primers and or finish paints that release VOCs into the atmosphere. VOCs have been proven to increase green house gases. Vinyl and Poly foam shutters were developed as an alternative to wood shutters. For certain applications such as outdoors, high humidity areas like saunas or poolrooms vinyl or Poly foam shutters are an excellent choice. The plastic coating used in these types of shutters can fade, change color or yellow over time with exposure to the sun. Unfortunately, vinyl and Polywood shutters are made with oil products and the drilling, transport, refining and storage of oil based products are a concern to many as their use increases our dependency on oil, and when painted, the use of VOC is also harmful to the environment. Many shutter fabricators are now, as flooring companies do, are offering Eco friendly lower cost laminate alternatives to wood. Many American and foreign shutter fabricators now offer all three choices, Plastic/foams, Wood and Laminate materials. Laminate materials are designed to overcome the disadvantages of wood, vinyl and Polywood shutters. Laminate DuraShutter material is a dense, solid engineered composite that is an Eco friendly recycled wood and paper product. Its density gives it a better insulation value than wood and the Eco friendly laminate coating material provides better resistance to fading or yellowing than Polywood or vinyl. Laminate shutters can be made into an excellent product that is indistinguishable from wood shutters. Since laminate DuraShutter is primarily made from recycled materials and the finish from Eco friendly laminates, it has a significantly lower impact on the environment. Shutters are often referred to as “the ultimate window covering” but costly until the introduction of shutters made of lower cost laminate DuraShutter materials that many shutter fabricators are now offering as a lower cost alternative. So once you’ve added indoor shutters, just stand back and admire them, both from within your home and from your curb. Drive by any home with interior shutters across the front and you’ll see why so many people swear by them. David Blachley is a third generation inventor with 20+ years product development experience, engineering multifaceted vertical integration systems with an emphasis in cost reduction technologies. After 10+ years in development DuraShutter is my greatest achievement. Its the lowest cost, most maintenance free, Eco friendly shutter brand on the planet. Article Source: http://EzineArticles.com/?expert=David_Blachley http://EzineArticles.com/?Can-A-Window-Covers-Improve-A-Homes-Value-And-Its-Curb-Appeal?&id=492088 bad credit finacing major credit reporting bureaus bad credit lending card consolidation credit debt debt help

By Arik Rozen How Can HUD-1 Help You Generate Business? —————————————– HUD-1 is a standard form you use very often. The form serves not just as a settlement closing statement, but also as a proof of payment of different tax deductions. Understanding the form and the tax deductible items and communicating them to your clients will help your clients to minimize their taxes and help you to build trust and get more business exposure. What is the HUD-1 —————– HUD-1 is a form used by the settlement agent (closing agent) to itemize all incoming funds and all charges paid and accrued by a borrower and seller for a real estate transaction. When is the HUD-1 Issued? The Real Estate Settlement Procedures Act (RESPA) requires that the form be issued in all real estate transactions in the United States which involve federally related mortgage loans. RESPA states you should be given a copy of the HUD-1 at least one day prior to settlement. When Do Clients Need HUD-1 For Taxes? ————————————- Clients use the information included in the form when they file their annual taxes. The filing deadline is normally April 15 of every year for the proceeding year. To allow the client enough time to file taxes using the HUD-1 information, it is recommended that a copy of the HUD-1 will be sent to the client in January. Because the real estate transaction takes place during the year, usually long before filing the tax return, the HUD-1 given to the client at closing time could be lost or misplace. Sending the client a copy of the HUD-1 with a cover letter will be very helpful and time savings to the client. HUD-1 Client Sample Letter ————————– The following is a sample letter you can use to send your clients: [Date] TAX TIME IS COMING Dear [Clients Name]: Tax time indeed is just around the corner, and the first thing you will need is a copy of the Closing Statement on your property. Moving can be a very busy time, and you may have misplaced this very important document. I would like to be sure you avail yourself of all the tax advantages possible from our transaction. If your accountant has any questions, please have him or her call me (if you need a referral to an accounting you can trust, Id be happy to provide you with one). I look forward to continuing as your realtor and providing you the highest level of service possible. Yours sincerely, [your name] Oh, by the way If any of your friends or relatives are thinking about buying or selling a home, I’d love to be of service to them. So, when you think of these people, just give me a call with their name and number. Ill be happy to follow up and tend to their Real Estate needs. Which HUD-1 Information Is Important For Your Clients Taxes? The information reported in the HUD-1 relates to the following tax statements and schedules: Tax form HUD-1 line Schedule A (itemized deductions), Line 10 – Annual mortgage interest deduction Line 901 Schedule A (itemized deductions), Line 10 Points deduction Line 802 Schedule A (itemized deductions), Line 6 Real estate taxes deduction Line 1003, 1004 Schedule E (rental income), Line 20 Depreciation (cost of property is required) Line 101, 102 Schedule E (rental income), Line 12a Mortgage Interest Deduction Line 901, 802 Schedule E (rental income), Line 9 Insurance 903, 1001, 1002 Schedule E (rental income), Line 16a Real state taxes 1003, 1004 Schedule E (rental income), Line 18 Other deductions 703, 801-811, 1005, 1101-1110, 1201-3, 1301-1302 Schedule D (capital gain) Part I, II, Column d Sales Price 401, 402 Schedule D (capital gain) Part I, II, Column e Cost or other basis 101, 102 Form 6252 (installment sale), Line 8 Selling price 401, 402 Form 6252 (installment sale), Line 8 Cost or other basis 101, 102 Form 4797 (sale of business property), Part I, Column d Cost or other basis 401, 402 Form 4797 (sale of business property), Part I, Column f – 101, 102 HUD-1s two sections ——————– Section J, Summary of Borrower’s Transaction This section contains 6 sections, and basically summarizes the entries made to the section L (Settlement charges, see below). Section 100, Gross Amount Due from Borrower Section 200, Amounts Paid By or In Behalf of Borrower Section 300, Cash at Settlement From/To Borrower Section 400, Gross Amount Due to Seller Section 500, Reductions in Amount Due to Seller Section 600, Cash at Settlement To/From Seller Section L, Settlement Charges That’s where many entries are tabulated before being brought forward to page 1. Columns contain charges that are paid from either the borrower’s or the seller’s funds. Your closing statement probably won’t have entries in all lines. Section 700, Agency Commissions Section 800, Items Payable in Connection with Loan Section 900, Items Required by Lender to be Paid in Advance Section 1000, Reserves Deposited with Lender Section 1100, Title Charges Section 1200, Government Recording and Transfer Charges Sections 1300 & 1400, Additional Settlement Charges and Totals Line By Line Description Section 700, Agency Commissions 701 Commissions paid to real estate agencies 702 Commissions paid to real estate agencies Section 800, Items Payable in Connection with Loan 801 Processing or originating loan fees. If the fee is a percentage of the loan amount, the percentage will be stated. 802 “Points” charged by the lender. Each point is 1% of the loan amount. 803 Appraisal fees. If paid with loan application before closing, it should be marked “POC,” (paid outside of closing). The amount would be shown, but would not be included in the total fees you bring to settlement. 804 Cost of the credit report if it is not included in the Origination Fee. 805 Inspections fee, done at the request of the lender. 806 Private Mortgage Insurance (PMI) application fee. 807 Assumption fee, when buyer takes over seller’s existing mortgage. 808 Miscellaneous items connected with the loan, such as fees paid to a mortgage broker. 809 Miscellaneous items connected with the loan, such as fees paid to a mortgage broker. 810 Miscellaneous items connected with the loan, such as fees paid to a mortgage broker. 811 Miscellaneous items connected with the loan, such as fees paid to a mortgage broker. Section 900, Items Required by Lender to be Paid in Advance 901 Interest collected at settlement for the time period between closing and the first monthly payment. 902 Mortgage insurance premiums due at settlement. Escrow reserves for mortgage insurance are recorded later. If your mortgage insurance is a lump sum payment good for the life of the loan it should be noted. 903 Hazard insurance premiums due at settlement. It is not used for insurance reserves that will go into escrow. 904 Miscellaneous items: flood insurance, mortgage life insurance, credit life insurance and disability insurance premiums. 905 Miscellaneous items: flood insurance, mortgage life insurance, credit life insurance and disability insurance premiums. Section 1000 Reserves Deposited with Lender 1001-1007 Funds used to start the borrower’s escrow account, from which the lender will pay next year’s premiums. Each mortgage payment includes an amount that covers a portion of these recurring expenses. 1008 Escrow adjustment calculated by the settlement agent by comparing different escrow formulas to assure the lender does not collect more escrow funds than allowed. Section 1100, Title Charges 1101 Settlement agent’s fee. The fees for the abstract or title search and examination are entered in lines 1102 Abstract / title search fee 1103 Examination fee 1104 Title insurance binder (also called a commitment to insure). Payment for title insurance policies is entered later. 1105 Deed preparations record charges and work on mortgages and notes 1106 The fee charged by a notary public for authenticating the execution of the settlement documents 1107 Attorney’s fees. 1108 Title insurance (except the cost of the binder). 1109 Informational lines disclosing costs for the separate title insurance policies (Only line 1108 is carried forward.) 1110 Informational lines disclosing costs for the separate title insurance policies (Only line 1108 is carried forward.) 1111-1113 Other title-related charges which vary by location: tax certificate fee / private tax fee Section 1200, Government Recording and Transfer Charges 1201 Recording fee 1202 City or County recording fee 1203 State recording fee 1204-1205 Miscellaneous recording fee items Section 1300, Survey and inspections fees (for pests, lead-based paint, radon, structural inspections, inspections for heating, plumbing, or electrical equipment) and home warranty. Line 1400 Total settlement charges paid from borrower’s and seller’s funds. They are also entered in Sections J and K, lines 103 and 502. Section J, Summary of Borrower’s Transaction Section 100, Gross Amount Due from Borrower Line 101 Gross sales price of the property. Line 102 Personal property charges (draperies, washer, dryer, outdoor furniture, and decorative items purchased from the seller) Line 103 Total settlement charges to borrower (from Line 1400 section L) Lines 104-105 Amounts owed by the borrower or previously paid by the seller (include balance in the seller’s escrow account if the borrower is assuming the loan and uncollected rents borrower may owe the seller) Lines 106-112 Item paid in advance by seller (Prorated portion of city/county taxes) Line 120 Gross amount due from borrower. Total of Lines 101 through 112 Section 200, Amounts Paid By or In Behalf of Borrower Line 201 Buyers credit for the earnest money paid when the offer was accepted. Line 202 The new loan paid to the borrower by the lender. Line 203 Loan borrower assumes or takes title subject to an existing loan or lien on the property. Lines 204-209 Miscellaneous items paid by or on behalf of the buyer (allowance the seller is making for repairs or replacement of items or a note seller accepts from borrower for part of the purchase price) Lines 210-219 Bills seller has not yet paid, but owes (taxes, assessments or rent collected in advance by the seller for a period extending beyond the settlement date) Lines 220 Total for all items in Section 200. The total is added to the borrower’s proceeds. Section 300, Cash at Settlement From/To Borrower Lines 301 Summary of the total amount due from the borrower. Lines 302 Summery of all items already paid by or for the borrower. Lines 303 The difference between lines 301 and 302 representing the amount of money the borrower owes at closing. If negative number the borrower will receive funds back at closing. Section K, Summary of Seller’s Transaction Section 400, Gross Amount Due to Seller (amounts added to the seller’s funds) Line 401 Gross sales price of the property. Lines 404-405 Amounts owed by the borrower or previously paid by the seller (escrow accounts balance or uncollected rents) Lines 406-412 Items paid in advance by the seller (prorated portion of city / county taxes) line 420 is the gross amount due to the seller. Total of Lines 401 through 412. Section 500, Reductions in Amount Due to Seller (amounts are subtracted from the seller’s funds) line 501 When a third party holds the borrower’s earnest money deposit, and will pay it directly to the seller. line 502 Total from line 1400, the seller’s total charges as computed in Section L. line 503 When borrower assumes or takes title subject to existing liens which are deducted from the sales price. line 504-505 First and/or second loans which will be paid-off as part of settlement (including accrued interest). line 506-509 Miscellaneous entries line 506 Deposits paid by the borrower to the seller or third party other than the settlement agent line 510-519 Bills unpaid by seller (taxes, assessments or rent collected in advance ) line 520 Total of all items in Section 500. The total is deducted from the seller’s proceeds. Section 600, Cash at Settlement To/From Seller line line 601 Gross amount due to the seller, from line 420. line 602 Total reductions in seller’s proceeds, from line 520. line 603 Difference between lines 601 and 602. Cash amount paid to seller (if a negative number the seller owes money at closing) Tax USA Inc. ———— Tax USA, Inc. is a complete tax, accounting and financial management firm specializes in small businesses, corporations and high income individuals. Tax USA Inc.’s mission is to exceed clients’ expectation by providing superb tax, accounting & financial Management services. We offer our clients tax, accounting and bookkeeping services, CFO Outsourcing, Budget Review and Business Plans, Cash Flow Management, Payroll Services and Entities’ Incorporation. Our Clients We focus on small and mid size businesses, non-profit organization and high income individuals. Client list comprised of corporations, non-profit organizations and high-tech employees. 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