How To Make Personal Facebook Bot Site free 2017

hi guys in this Tutorial i will show U That How to Make A personal fb bot Site For Free 2017.

What is Bot?
Bot is a new trick on facebook that post comment atomatically on your friends post videos and all the things which is in your new feed.
So if You want To create Bot for yourself and want to become famous on facebook than follow my steps

How To Make  A Personal Bot Site For Facebook (Comment bot for facebook).

Step 1: First of all signup on Hostbuddy its free hosting site

Step 2: then Confirm your email address 

Step 3: Download BotScript from  THere

Step 4: then open the downloaded files and upload index , value and picture of Script in Your File manager of hostbuddy account

Step 5: in this step Set the Corn Job from Here

Step 6: get Your acess Token from below

These are the famous Token

ISO Token

HTC Token

Black Berry Token

Step 7: Paste or type your token in Your bot  Site box your made

Step 8: then Click Submit and Save

Step 9: Check your Profile Activity log on facebook

Step 10: Your Bot is Working if last posted comment from your profile is match your current time .Enjoy

Follow Me On facebook for more detail

Property Purchase Taxes and Fiscal Benefits in Italy – Purchase of a Luxury Home

When you purchase a property in Italy, you need to be aware of the amount of taxes you will be required to pay, and at that stage you need to be informed if you are purchasing a luxury home or not, this might make a huge difference, as a luxury home is excluded from “fiscal benefits”.

What are the fiscal benefits and when are they applied? What is meant by “Luxury Home”?

When you purchase a “Primary House” (Prima Casa) in Italy, you might be entitled to purchase with fiscal benefits. This happens in the following cases:

- In the deed of sale the purchaser has to declare that he does not have any rights in other properties in the same area/Commune where he purchases with fiscal benefits, such as life estate, right of use etc. 

- The purchaser does not have to own a property that he has bought in Italy with fiscal benefits.

- He needs to be resident in the Commune where he is purchasing the property or move his residency in the Country within 18 months from the purchase.

- The purchaser does not have to sell the property that he has purchased with fiscal benefits in the following 5 years from the purchase unless he purchases a new property within 1 year from the sale.

- Finally, purchasing a luxury home makes the purchaser to lose the possibility to buy a house with fiscal benefits.

The above is just a generic indication of the most relevant rules, but it needs further clarification especially with reference to the concept of luxury home.

Concentrating on the concept of Luxury Home, this is not as simple and straightforward as it might appear.

When a purchase can be defined “Luxury”? 

In general, there are several conditions that explain when a purchase is luxury, but these conditions are different depending on the fact that the purchase is subject to “IVA” (Italian VAT) or to “Imposta di Registro” (stamp duty).

Therefore, we need to distinguish two situations: 

a) When the property purchase is subject to Imposta di Registro (stamp duty), and 

b) When the property purchase is subject to Iva (Italian VAT).

In the first case, a Luxury Home can be defined as those properties which are listed in the cadastral registry as category A/1, A/8 and A/9. These are: stately house, villas and artistic or historical castles/palaces. You can see the above indication in the land registry searches (Visura).

If, as in case b), the property purchase is subject to Iva, the Italian Ministry Decree of 1969 n. 218 will help you to understand when a purchase is luxury (Decreto Ministero Lavori Pubblici 2 August 1969, published on official journal “Gazzetta Ufficiale” n. 218 of 27.8.1969). This Decree gives some guidance to understand when a property is considered luxury, among which: properties built in areas where it is established to build Villas, private parks or other buildings qualified as "luxury", properties with a swimming-pool larger then 80 sqm., or with tennis courts with some specific requirements, large properties, etc

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Consequences of Missing Court Dates

Individuals often face difficulties in life that cause appointments to be missed. Unfortunately, this may have a direct impact when missing a court date. These meetings are often vital to the freedom of the person involved.

The consequences of missing a court date may include a warrant for the arrest of those that do not attend. The use of a lawyer may explain just how essential it is to show up for court appointments when someone is scheduled to do so. There are other legal penalties that may be issued for the absence given. Missing the date is not wise. However, there may be options open to the individual that does not show up depending on the court and judge presiding. 

Possible Charges for Missing Court Dates

There are a variety of penalties that may be incurred when a court date has been missed. Prison or jail terms are one of the most severe possibilities for many who find themselves facing punishment for missed appointments. These times behind bars may extend from only a few days to a year or more. The factors involved in the case and issue at hand directly impact how much time is issued. Another concern that may cause panic is when the person must pay fines. Though these monetary payouts vary in extremes from the lesser to the greater amounts, they may cause severe loss of earnings. Determined by certain criteria and the case they are regarding, they may reach thousands of dollars. 

For those that have been let out on bail, a bond revocation may occur with a missed court date. This means, the person that has skipped the meeting may be placed in jail until the final sentencing has been determined in the court case. Without being out on his or her own, this person may have no idea what is occurring with the case or with the defendant’s family or business. Another penalty often administered for those that do not attend important court meetings is the suspension of licenses. These could be driver’s licenses or professional licenses. The possibility of losing driving privileges is greater when there are tickets or other violations that need to be addressed through appointments with the court. Time and energy may be required in order to renew licenses after they have been suspended in this manner.

Tips for Dealing with Absences from Court

There are steps to take and information that is important in how to deal with nonattendance for important court meetings. Some court dates are set for criminal matters that need to be addressed. When a trial case is ongoing, the person may have been issued a bond so he or she may not be forced to sit in jail during the court case. If this defendant does not show up, the judge may issue a warrant for arrest with swift action unless there is a lawyer hired by this individual that may provide some sort of explanation about the nonattendance. However, even with a legal representative, the judge may hold the defending party in contempt due to absence. 

To protect the rights of the person receiving a note to appear at court, it is essential to hire a lawyer and give him or her this information. This paperwork is serious and may lead to an arrest when not adhered to. However, if this individual does not get to the courthouse with legal representation or an explanation of his or her absence, other penalties may be issued. If jail time occurs, this lawyer may be able to have charges dropped or get a bond in some manner to assist. It is vital to understand the law in order to not have direct consequences cause issues to arise. 

Prepare and Protect from Consequences

It is never more important to have protection from consequences than when penalties are the possible outcome of poor decisions or life causing problems to occur. Researching these matters is essential in preparing for potential concerns. Talking to a legal representative concerning these issues may explain how the actions a person takes result in punishments. It is also imperative to know what type of lawyer and who to contact when matters turn more serious. This is advisable so the defending party is treated in a fair manner and has his or her rights protected. 

Waiting and seeing what happens next is often the best way to be placed in jail, receive fines and other penalties against these persons.

What Do I Do if My Insurance Company Denies My Claim?

Insurance company claims denials may result in you having a case against them for "bad faith".

So, you paid insurance premiums all these years and figured, 'if I ever have a claim, it's covered, they'll pay for the loss'. But, you had a claim and they won't pay. 

In most States, the Insurance Regulations and the Insurance Policy require your insurance company to investigate, evaluate and pay valid claims. Sometimes, they refuse to do this. They less they pay on claims, the most profit they make. You may want to request that they provide a written explanation for why they denied your claim and upon what sections of the insurance policy they are relying. You may also ask them to reconsider their denial. 

If the company persists in denying your claim, you may have what's called a "bad faith" case. In most States, the law is that the insurer has an obligation to act in good faith toward its policyholders in reviewing and paying claims. If they recklessly disregard their obligations, they may be in bad faith. In Pennsylvania, for example, there is a specific bad faith law which permits you to recover not only the amount owed under the claim, but also attorneys' fees, costs, interest and even punitive damages. It is up to the Court to decide whether to award these extra damages. 

You will want to make sure you have a copy of your insurance policy. Discussions that you may have with your insurance company should be backed up you with a confirming letter. You can be sure that the insurance adjuster is documenting your discussions with him/her in what is called a "claims log" or "claims activity log". They have to report to a claims manager who reviews their work. When possible, request to speak to the highest-ranking person available in the claims office. Usually this will be either the claims manager or unit manager. Even if you are mad, which is understandable, keep your conversations and letters polite. Remember, if it turns into a bad faith case, your letters and discussions will become evidence. As the cliche goes, you want to be part of the solution, not part of the problem. 

Bad faith insurance issues get complicated often. You may want to speak with a lawyer to discuss your options. In most cases, once an insurance company makes a decision, they will not easily back down and you have to be persistent and willing to pursue your claim.

Life Insurance in Estate Planning

Life insurance is a key component to the estate planning process. Gone are the days when life insurance was primarily thought of as a means to pay for funeral expenses and burials.

Life insurance is a tool many use to leave necessary funds to your surviving family members, pay off large debts and set aside funds in order to meet your children’s educational needs and goals. Life insurance is also used to fill the gap caused by all the taxes and other costs incurred following your passing, as well as providing a means for low-cost charity donations.

Let’s break apart what was just outlined in the paragraph above so you can have a better understanding of how essential of a tool life insurance is to your estate planning, as well as some other considerations: 

Life insurance is also used to fill the gap caused by all the taxes and other costs incurred following your passing.

There are a number of expenses following your passing beyond funeral expenses and burial (or cremation, depending on your last wishes). Some of these expenses include estate taxes, probate court attorneys, income tax (filed on your final income tax return), and your final debts (mortgage, creditors, etc.). 

. . . as well as providing a means for low-cost charity donations.

A portion of your life insurance can be donated to charity based upon your final wishes, and those listed in your estate will benefit from the tax deduction. Outline these conditions when creating a will. These conditions can also be outlined when creating a trust. As you can see, creating wills and trusts are both essential during the estate planning process even when life insurance is involved in the scenario. 

Your estate taxes will not increase due to life insurance if you plan ahead accordingly.

Confer with your estate planning attorney about how to develop an estate plan that will minimize estate taxes. There are estate valuation thresholds that must be met (i.e. the estate must be valued under a certain dollar amount) in order to avoid such matters, and your attorney will outline this for you. If your estate exceeds this dollar value, outline a plan with our attorney to help beneficiaries reduce the associated estate taxes. Otherwise, the requirement to pay such taxes is inventible. Confer with your estate planning lawyer, too, about how beneficiaries may be able to avoid inheritance taxes if at all possible.

Personal Injury Protection (PIP) Benefits

What are PIP benefits? People always ask me what PIP benefits are. In Massachusetts most policies have what is called personal injury protection benefits or PIP. Pip benefits are no fault benefits which means you are entitled to collect these benefits after a car accident whether or not you were at fault or not. Often times more serious car accidents result in injuries to passengers or driver.

When injuries occur PIP benefits will pay for up to the first $8000 dollars of medical expenses when the injured passenger or driver has no health insurance. In a case where a driver or passenger in a motor vehicle has health insurance PIP benefits will pay for the first $2000 dollars of medical expenses. Pip also pays for lost wages, dental, and loss of services.

Example:

Where a person has medical insurance and medical bills of $9000 and has lost two weeks of work where he or she averages $700/wk. Pip would cover the first $2000 dollars of medical bills and then the remaining $7000 would be covered by the passengers own health insurance. The passenger would also be entitled to make a claim for $1400 for lost wages.

In this same example if the passenger had no insurance. Which ever claim is brought first against PIP will get paid first. Usually the medical bills will be paid first since the person is generally taken to the hospital right after the accident and the $8000 would be paid by PIP and 1000 would be billed to the client and no money would be left for the lost wage claim. 

In some circumstance it would be in the passengers interest to make the lost wage claim early against the PIP benefits if the person was in desperate need for money to get their car fixed or pay their rent. While most likely they would be billed for unpaid medical bills, in my opinion medical bills are rarely reported on credit. So if you were doing a triage of bills if it were me and I was in a difficult financial situation I would make the lost wage claim as soon as possible and get billed for the remaining medical care. Once I got the bills I might call and try to ask them for a reduction for financial hardship and you might be surprised I think many creditors would take 50 cents on the dollar or even less.

Did you know motorcyclist pay PIP premiums but the driver and passengers of motorcycles are not entitled to PIP benefits? Motorcyclist pay PIP premiums to protect any unsuspecting pedestrians they might hit with their bikes.

Did you know PIP benefits also cover pedestrians. So if a driver hits a pedestrian at a cross walk, the pedestrian is entitled to collect PIP benefits.

Bicyclists are also considered pedestrians!!! And are therefore entitled to collect PIP benefits too.

In conclusion PIP benefits only cover reasonable and necessary medical expenses related to the accident. More and more Insurance company will not pay bills for chiropractors, or acupuncturist or non western medicine. Also insurance companies love sending their own insured to grueling examinations under oath to nit pick their treatment or to try and determining if there has been any insurance fraud or foul play. This usually leads to the denial of PIP benefits.

Also you should be wary that many companies are offering insurance policies with an $8000 pip deductible. This means basically insured are waiving their rights to PIP benefits in exchange for a very modest reduction in the premiums. Never choose an $8000 dollar PIP deductible even if you have your own insurance as you are giving up your right to lost wages as well as your passengers rights to their benefits.

A Guide For California Real Estate Investors

Real estate investors are prevalent in the California real estate market, and they have driven the values for the past few years. What, then, should California real estate investors look out for when purchasing real property as an investment?

The most common question we get is, “what should I look out for to make sure I’m protected when buying real estate?” It largely depends on the method of sale: short sale, foreclosure sale, partition sale, or purchase-money sale.

A short sale involves a real estate transaction where the homeowner wishes to sell the home for less than the amount owed on the mortgage and deed of trust. In a short sale, you are at the bank’s mercy to approve your purchase offer, and even if approved, it could take months, if not years, to complete a short sale. Investors should therefore be sure to conduct a thorough comparative market analysis to determine the true value of the home in comparison to the offer for purchase, and the mortgage.

This is because when investors purchase short sale homes, some mistakenly believe that since the sale price is less than the mortgage, the deal must be great and, in fact, it is one heck of a bargain! Or is it?

A comparative market analysis will help you avoid purchasing a short sale for far more than the property is actually worth. A qualified real estate agent can prepare this document for you, which will give you insight into the home’s true value. This holds true for foreclosures, however, there are even greater concerns related to a purchase at a Trustee's foreclosure sale. If you already purchased it, immediately record the Tristee's Deed Upon Sale so there can be no subsequent bonafide purchaser. 

Title. Title. Title. It cannot be stressed enough. Do a thorough, in-depth, analysis of the title history of the foreclosure property, as the foreclosing lender does not give any warranties or assurances as to the genuineness of title to the home. Investors buy “As-Is.” A title search will identify any liens or claims to title, and you can avoid properties where your interest may be subordinate to a senior interest.

Visit the property before you purchase a foreclosure. Ask neighbors what the condition is like inside and out. What are the owners like? Any bad habits? Viewing the property will put you on constructive notice of any structural defects, and questioning neighbors will give you insight into whether there are ground leases attached to the property, which require you to pay a monthly fee. A land lease must be recorded, and the previously mentioned title search will enlighten you as to whether you are potentially purchasing a leasehold interest at the foreclosure sale.

The partition sale usually occurs after s trustee has fully administered an estate. Two people will be on title, they do not get along and cannot agree on selling the home, and a partition action occurs. Watch out for the statute of limitations for potential heirs to contest the administered estate. It is one year in California. This could lead to long, expensive court actions that will eat away at your profits.

Purchase-money sales involve the purchase of a home with a mortgage and deed of trust. The deed of trust give the lender authority to collect a debt, and thereby foreclose upon default. Aside from the previously mentioned tactics you should implement, also do a thorough inspection of the property for any material damages. You are required to do your research, and if a reasonable inquiry would unveil a defect, then you have no recourse. Always do as much inspecting as possible.

As an investor it is crucial to review all potential purchases with attention to detail, and informally audit the purchase for any problems that may arise related to title, leases, warranties, property values, and much, much more.

An experienced real estate attorney can help you avoid the pitfalls of purchasing real property. Always speak to an attorney before making a large real estate investment, as your attorney will save you from either completely losing your investment to a superior title interest, or substantially over-paying. We wish you the best of luck with your next real estate investment!