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Archive for the ‘Sales Training’ Category

Strategic Sales Management – Executive Education – Darden

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At a Glance

Exceed your targets, foster long-term growth and increase your bottom line when you create customized sales goals in sync with long-term corporate strategy. In Strategic Sales Management, you'll learn how to maximize existing resources, identify and attract your most profitable customers, and track your progress against internal and competitor benchmarks to improve your process over time.

Expand your awareness of the many ways sales can accelerate your business when you analyze big-picture strategy for its practical components. You'll learn how to bridge the gap between corporate revenue targets and actionable initiatives for your sales team. You'll examine your ideal customers for missed opportunities and learn how to use analytics to provide a more satisfying customer experience. You'll share your sales pitches, pipelines and motivational tactics with experts in the field, who will provide individual feedback to sharpen them and help you define the most effective practices for your sales force.

You'll walk away from Strategic Sales Management with:

Bauer Professor of Marketing and Executive Director of the Sales Excellence Institute- University of Houston Ahearne is a world-renowned authority in the area of B2B sales force research. He heads the Sales Excellence Institute, which is a leading organization in sales education and research. His book, Selling Today: Partnering to Create Customer Value, is the highest grossing professional selling text in the world, with copies distributed in more than 40 countries. He worked for Eli Lilly and Co. in sales operations/market research and pitched for the Montreal Expos in a previous life.

Rackham has built a strong international reputation in the global business community as a speaker, writer and seminal thinker on sales force effectiveness. Three of his books have appeared on The New York Times best-seller list, and his works are translated into more than 50 languages. His classic book SPIN Selling is widely credited with starting the consultative selling movement. He has been chair and CEO of three international research and consulting firms, including Huthwaite, which he founded. He is visiting professor at three universities, and his present research looks at the integration of sales and marketing and at emerging issues in large complex sales.

Tayloe Murphy Professor of Business Administration An internationally recognized authority on B2B marketing, supply chain management and strategic alliances, Spekman has published extensively in these areas, including seven books and numerous articles and case studies. In addition to teaching for nearly 40 years, he has consulted for many businesses on marketing topics, with an express interest in "messy" problems that cross business functions.

John L. Colley Research Associate Professor of Business Administration An expert in B2B marketing and sales, Steenburgh came to Darden in 2012 from Harvard Business School, where he chaired the B2B Marketing Strategy executive education program. His cases are used in business schools worldwide, and his research addresses questions that help managers measure the effectiveness of their sales and marketing strategies. He previously worked in marketing and operations at the Xerox Corporation.

This program will take place in Washington, D.C.

Please note that accommodations are not included in the program tuition.

$4,900covers materials and some meals. Accommodations are the responsibility of each participant.

By taking this course, you will earn one week of credit toward a Certificate of Specialization.

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Strategic Sales Management - Executive Education - Darden

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October 25th, 2015 at 6:45 pm

Posted in Sales Training

Sales Training Seminars | Sales Training Courses | Sales …

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Listed below are both our best-selling Sales seminars and Sales classes, as well as a full schedule of Sales classes to help with your Sales training and Sales compliance training needs.

To see more details or to make a reservation for a particular event, simply click the title and follow the appropriate directions therein; to see events for future months, click on the desired month.

The CRITICAL SELLINGSM seminar is a one-day program that teaches how to win the key moments with customers that ultimately determine the outcome of the sale. Whether you market to businesses, consumers, or a blend of both, this seminar is a fit for all sales environments.

Bud to Boss is a unique training event designed to equip new supervisors with the fundamental skills they need to skillfully shift from team member to leader.

Critical TeleSelling is a fundamental sales training program that provides sales professionals who sell over-the-phone with the skills and strategies they need to stimulate interest, develop profitable customer relationships, and dramatically improve their sales performance.

Why do 40% to 60% of all sales end in no decision?

We salespeople fail to do our job upfront, miss something along the way or ignore the perceived risks imbedded in every buying decision. All too often, we forget that the status quo is our real competitor.

Contact us to have your product, services, or events listed.

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Sales Training Seminars | Sales Training Courses | Sales ...

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October 25th, 2015 at 6:44 pm

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Sales and Use Tax in Virginia training|NBI Inc.|virginia …

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Do you need help finding the right class, date, or location or other assistance?

Submit a support request and receive a prompt reply.

We are an authorized partner of NBI Inc.

Price protection. The price to attend Sales and Use Tax in Virginia is set by the training provider. There is no added charge for our services.

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Training Course Syllabus:

Sales and Use Tax in Virginia - State Specific Sales and Use Tax Seminar

Know the Latest Compliance Requirements and Developments

Accounting for sales and use taxes can be one of the most complicated and frustrating tasks accountants and lawyers tackle. States are cracking down on these taxes and yet the laws and definitions are as ambiguous as ever. Interstate and e-commerce sales are the norm today, but do you know exactly which transactions require taxing and reporting to the Department of Revenue and IRS? Don't just hope your clients stay under the government's radar; proactively ensure you are complying with the myriad of regulations. This seminar will bring you up to date on best practices when accounting for sales and use tax. Learn how to decipher whether or not a business has nexus in a state and identify what products and sales are exempt from sales tax; legally report tax information and resolve tax disputes. Back taxes and penalties can be costly for any business - don't leave your clients liable. Register today!

Seminar Summary:

This seminar will bring you up to date on best practices when accounting for sales and use tax.(see full course description)

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Sales and Use Tax in Virginia training|NBI Inc.|virginia ...

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October 25th, 2015 at 6:44 pm

Posted in Sales Training

About Us – Sandler Training

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Brad Fleetwood McDonaldCEO and Owner, Sandler Training (Norfolk, VA)

-The Captain

-Served 28 years in the U.S. Navy

-Worked as a financial advisor

-Opened the doors of the Hampton Roads location of Sandler Training in 2004

-Trains, coaches, and advises business owners, management teams, and sales professionals in improving their sales and management skills

-Often engaged in public speaking for many professional meetings and commemorative events throughout the region

-Prolific published article writer

-Passionate about academic achievement for inner-city children and actively serving as a volunteer at James Monroe Elementary School

Paul MacFarlane,BusinessManager

-Served just over 9 years in the Navy as an Air Traffic Controller

-Currently working full time on obtaining a Bachelors of Science in Business Administration

-Six Sigma Green Belt, Certified Project Manager and Business Analyst

-Analyzes internal processes and recommends/implements procedural or policy changes to improveoperations

-Prepare and review operational reports and schedules to ensure accuracy and efficiency

-Formulate and coordinate marketing activities and policies to promote products and services.

-Identify, develop, andevaluate marketing strategies, based on objectives.

-Gather and organize information to plan advertising campaigns.

-Plan and prepare advertising and promotional materiallayout design andpresentationapproach and specify material details, such as style and media.

-Create custom illustrations or other graphic elements, and edit video and audio on promotional material.

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About Us - Sandler Training

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October 25th, 2015 at 6:44 pm

Posted in Sales Training

Inside Sales Training | The Sales Insider

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InsideSales.com customers know how to sell. They make up the best sales teams in the world and operate like high-performance machines. But even high-performing machines can improve. From July 22 to July 24, InsideSales.com hosted 13 executives from seven companies for the first Executive Speed Camp. Those in attendance included: Apttus Blue Coat Coupa MarketStar [...]

The United States job market seems to be stuck in second gear, the Wall Street Journal recently reported. Recovery has been long and slow, leaving many Americans without work, or at least without decent paying work. While the numbers do seem to be getting better, the Wall Street Journal reports theyre not as promising as [...]

Trish Bertuzzi, president and chief strategist of The Bridge Group, recently presented at the Inside Sales Virtual Summit. During her session, Trish shared valuable insight into the onboarding process, a critical time in a salespersons career, but the least understood. Trish maintains that while sales and marketing leaders are making a first-class investment in their [...]

How many conversations do you have with prospects in a given day? And how many emails do you send to prospects in that same day? Is it safe to say you send more emails? Probably. Whats the point? Well here it is You spend most of your waking hours perfecting and tweaking your sales [...]

The Salesforce Users Group met in the new Adobe building in Lehi, Utah. During the meeting a lot of information was discussed and traded among Salesforce users. One of those things was the secret to turning a 30 second conversation into 3 minutes. Brandt Page, from Launch Leads, shared how to turn a blow off [...]

Technology is speeding ahead at a break neck speed and all too often we forget to look behind and see the ground weve covered. The dialer is one of those technological advances, and a subtle one thats been ignored. The infamous predictive dialer was one of the early dialers around (and sadly still in use) [...]

When companies look for a solution to improve their sales revenue, they often look to technology. However, it takes more than technology to drive exponential growth. InsideSales.com provides the best lead management and dialer technology available today. The technology provides increased efficiency, highvisibility, and exponentialoutput. Companies using any combination of the InsideSales.com technology are experiencing [...]

As an inside sales professional, the product you sell is catered towards a specific audience. One that wants a quick product at a low cost, a quality product that is fast, or a fast product with a low cost. Whichever you chose, its important as a company your executives define who the company, or the [...]

Within the last few years, there has been a shift in the way sales people are conducting sales. Not only is the majority of sales done remotely over the phone (the inside sales model), but the way lead research and data append is performed has become the new frontier of sales. To further educate the [...]

If youre in the lead generation or sales space, you know how important lead nurturing can be. Its how you build your business and create educated, more-likely to buy buyers. One of the biggest misconceptions out in the industry is that a lead nurturing technology alone is going to solve all your problems. Thats only [...]

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Inside Sales Training | The Sales Insider

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October 25th, 2015 at 6:44 pm

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Sales Training Courses to Shamelessly CRUSH Your Competition …

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"This Man Doesn't Lie, Kiss-Ass, or Suck-Up to Make More Sales"

Shameless Shamus Brown Creator of Persuasive Selling Skills

Thanks for dropping by my sales training website, Industrial EGO Sales.

You know, you don't have to lose your self-respect to be a successful sales person.

I should know.

I've worked for some great companies in my career - names like IBM and Dun and Bradstreet to name two.

Some of my sales jobs I excelled at and made big commissions.

Others I got fired from. Sometimes this was because I made a bad choice and couldn't get motivated to sell something that I didn't believe in.

Other times it was because I was unwilling to be a scumbag and tell bald-faced lies to get a deal.

One VP of Sales fired me as an "example" to others to be more "creative" in their selling (i.e. lie to the customer to make a deal). 5 months later though he was indicted by the SEC along with a few other C-Level execs on fraudulent stock price manipulation charges.

What I learned through all of this was that I was most motivated and most successful when I was just myself and sold things that I liked and had a real interest in.

Today, 13 years after I last worked for anyone else, I've showed thousands of sales people worldwide, with my Sales Training Course and my daily tips emails, how to quickly become either their prospects first choice to buy from or to cut bait and walk away early from deals they'll most certainly lose.

I am sure you're as tired as I am of worn-out sales clichs, crappy sales advice, and cheesy closing techniques. So spend some time here today and check out my sales training courses.

While you're here you'll find tons of useful sales tips, sales techniques, sales training courses, and uncommon sense to motivate you and change the way you sell for the better.

You don't need to be a suck-up, a kiss-ass or a liar to do well in sales.

And I believe you'll find that once you read up and start following my advice, you too will laugh to yourself and start calling me Shameless Shamus!

Sell with Pride,

P.S. Below are my two most popular sales training courses. Check 'em out.

Learn how to close more of your sales while keeping your self-respect with the audio sales training course on CDs, online, and iPod ready MP3s.

You can get greater rapport with a wider variety of people than ever before in just seconds when you learn the sales skills taught in the DVD video sales training course.

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Sales Training Courses to Shamelessly CRUSH Your Competition ...

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October 25th, 2015 at 6:44 pm

Posted in Sales Training

Sales and Use Tax | Virginia Department of Taxation

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The Virginia Retail Sales and Use Act establishes a tax on the sale, lease or rental of tangible personal property or the use or consumption of tangible personal property in Virginia, as well as taxable services in Virginia.

A seller is subject to the sales tax imposed on gross receipts from retail sales. "Retail sales" means sales made for any purpose other than for resale. The tax may also apply to the furnishing of transient accommodations and the lease or rental of personal property. Code of Virginia 58.1-603.

The seller is responsible for collecting the tax from the customer on each taxable sale. The tax must be separately stated and added to the sales price or charge. The general sales tax rate for Virginia is 5.3 percent (4.3 percent state tax and 1 percent local tax). There is an additional 0.7 percent state tax imposed in the localities that make up Northern Virginia and Hampton Roads, making the rate in these areas 6 percent (5 percent state tax and 1 percent local tax).

In Bulletin 5-78, sales of eligible food items are subject to a reduced sales tax rate of 2.5 percent ( 1.5 percent state tax and 1 percent local tax).

Northern Virginia Region

The additional 0.7 percent regional rate in Northern Virginia applies to the Cities of Alexandria, Fairfax, Falls Church, Manassas and Manassas Park; and in the Counties of Arlington, Fairfax, Loudoun and Prince William.

Hampton Roads Region

The additional 0.7 percent regional rate in Hampton Roads applies to the Cities of Chesapeake, Franklin, Hampton, Newport News, Norfolk, Poquoson, Portsmouth, Suffolk, Virginia Beach and Williamsburg, and the Counties of Isle of Wight, James City, Southampton and York.

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In-state dealers - Generally, in-state dealers (individuals or businesses) are those making Virginia sales while having one or more physical locations in Virginia. Businesses subject to the Virginia Retail Sales Tax must submit a monthly return to the Department, Form ST-9, by the 20th of the month after the sales occurred. A return must be filed for each period, even if there are no sales to report. Based on your tax liability, the Department may change your filing frequency from monthly to quarterly. If your filing frequency is changed, you will be notified prior to the effective date.

Beginning with the July - September 2013 return, due October 21, 2013, quarterly filers must submit their returns and payments electronically. To meet this requirement, the returns must be filed using eForms, Business iFile or Web Upload. Monthly filers have been required to file and pay electronically since July 2012.

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Out-of-State dealers - Some dealers make Virginia sales but are physically located outside of Virginia. "Out-of-state dealers" refers to individuals or businesses that, in most cases, are physically located outside of Virginia but make qualified sales, leases or rentals into Virginia. If an out-of-state dealer has sufficient nexus with Virginia, (meaning a significant connection or link to Virginia according to Virginia law,) the dealer must register with Virginia to collect Virginia Use Tax on their Virginia sales. For further information on nexus criteria, refer to Code of Virginia 58.1-612.

Out-of-state businesses that do not have sufficient nexus with Virginia may still choose to register with Virginia to collect the tax as a courtesy to their Virginia customers. Whether required to register or not, any out-of-state dealer registered to collect Virginia Use Tax must remit the collected tax to Virginia on a monthly basis, unless a different filing frequency has been established by the Department.

Businesses subject to the Virginia Use Tax must file Form ST-8, Out-of-State Dealers Use Tax return, by the 20th of the following month. A return must be filed for each period, even if there are no sales to report. Based on your tax liability, the Department may change your filing frequency from monthly to quarterly. If your filing frequency is changed, you will be notified prior to the effective date.

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Businesses can register for Retail Sales and Use Taxes by completing the Form R-1 Business Registration Application, or by registering online. Once registration is complete, businesses receive Form ST-4, Certificate of Registration. The ST-4 must be prominently displayed at the registered location.

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Beginning with the July - September 2013 return, (due October 21, 2013), quarterly filers of the ST-9 must submit their returns and payments electronically. Monthly filers have been required to file and pay electronically since July 2012.

To meet this electronic filing requirement, you must file your return using eForms, Business iFile or Web Upload. Learn more about these three options (link takes you to a short video).

Out-of-state sellers should submit their monthly sales tax report on Form ST-8, Virginia Out-Of-State Dealer's Use Tax Return, by the 20th of the month after the sales occurred, whether or not the business has had taxable sales for the month. You will automatically be mailed forms preprinted with your account information unless you file electronically or use tax software to prepare your returns.

If you are unable to make the necessary changes to file and pay electronically you may request a temporary waiver. Submit your request in writing by completing the Sales Tax Electronic Filing Waiver Request form.

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Dealer Discount

A discount on the amount of sales tax due is allowed when eligible businesses file and pay the tax in a timely manner. Dealers can keep a portion of the tax they have collected; however, the discount is not allowed on the local portion of the tax. In addition to the Retail Sales and Use Tax, a dealer's discount is available for the following taxes:

Please refer to the corresponding instructions for additional information on computing the discount, as discount factors vary by tax type.

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If you fail to file or pay the full amount of sales tax due by the due date, a penalty of 6 percent per month is added to the tax owed. The maximum penalty is 30 percent; the minimum penalty is $10. The minimum penalty applies to late returns even if there is no tax owed.

Interest is added at the federal underpayment rate plus 2 percent and accrues on the tax until paid.

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A Direct Payment Permit allows certain companies to purchase goods without paying the sales or use tax at the time of purchase. These companies agree to pay the tax due directly to the Department, and allocate the local tax so that no county or city will lose any revenue. Direct Payment Permits are typically issued to manufacturers, contractors or mine operators who store tangible personal property within the Commonwealth for use both in and outside of Virginia.

Businesses who meet the qualifications set forth in Code of Virginia 58.1-624 may apply to the Tax Commissioner for a permit. If approved, the business would file form ST-6.

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In general, all sales, leases and rentals of tangible personal property, as well as accommodations and certain taxable services, are subject to Virginia Sales and Use Tax, unless an exemption or exception is established.

There are specific instances where a tax exemption may apply without the need of an exemption certificate. The most common exemptions and exceptions to the Retail Sales and Use Tax are:

Exemption Certificates

In many cases, in order to sell, lease or rent tangible personal property without charging Sales Tax, a seller must obtain a Certificate of Exemption from the buyer.

The sales-for-resale exemption prevents tax from being charged multiple times on the same item. The sales tax is intended to be applied to the final sale to the consumer at retail; therefore, this exemption prevents the tax being applied on goods as they are distributed before being sold at retail.

A dealer who makes a sale without charging applicable Sales Tax must retain a copy of the exemption certificate on file to substantiate the sale was indeed tax exempt under the law. To verify that a business providing a dealer with a sales exemption certificate is registered to collect Retail Sales and Use Tax in Virginia, please call the Department at (804) 367-8037.

Download Exemption Certificates

Learn more about exemptions for nonprofit organizations

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The use tax applies to the use, consumption or storage of tangible personal property in Virginia when the Virginia sales or use tax was not paid at the time of purchase. The use tax is computed on the cost price of the property, which is the total amount for which the property was purchased, including any services that are a part of the purchase, valued in money or otherwise, and includes any amount for which credit is given the purchaser or lessee by the seller.

Mail with Form ST-7 and Form ST-6B, if applicable, with your payment to the following address:

Virginia Department of Taxation P.O. Box 26627 Richmond, Virginia 23261-6627

This return is due by the 20th day of the following month after the close of the reporting period. Returns are not required to be filed for periods in which no use tax is due.

If you have questions concerning this tax or how to file the returns, please call (804) 367-8037.

Vending Machine Sales Tax

General Liability: A tax is imposed on dealers who place vending machines for the sale of tangible personal property. The tax is computed on the cost price (or manufactured cost) of tangible personal property sold through the vending machines. This tax does not apply to non-vending machine dealers such as service station operators who use vending machines at their businesses to sell merchandise. These dealers are subject to the retail sales tax provisions.

Registration: Every individual, partnership, corporation, etc., desiring to engage in the business of placing vending machines for selling tangible personal property must file a Business Registration Application, Form R-1, or register online. A separate application must be filed for each locality in which vending machines are placed. Code of Virginia 58.1-614(E)

Filing Procedure: Vending Machine tax return, Form VM-2, must be filed for each period showing the cost price or manufactured cost of tangible personal property sold through vending machines during the preceding period. The dealer must pay the amount of tax due at the time the return is filed.

Generally, dealers are required to file returns monthly and must submit the return by the 20th of the month following the end of the period. The Department determines annually which dealers should file and pay on a quarterly basis. Quarterly returns must be filed on or before the 20th of the month following the close of each quarterly period ending March 31, June 30, September 30 and December 31.

A return, voucher and schedule should be filed as soon as possible after the close of the reporting period but not later than the 20th day of the following month. A return must be filed for each reporting period even if no tax is due.

The VM-2 Package contains Form VM-2, Virginia Vending Machine Dealer's Sales Tax Return; Form VM-2V, Virginia Vending Machine Dealer's Sales Tax Voucher; Form VM-2A, Virginia Vending Machine Dealer's Sales Tax Worksheet; and VM-2B, Schedule of Local Taxes.

Tax Rates: The tax rate is 6.3 percent (5.3 percent state tax and 1 percent local tax) of wholesale purchases. In addition, there is an additional 0.7 percent state tax imposed in the localities that make up Northern Virginia and Hampton Roads, making the rate in these regions 7 percent (6 percent state tax and 1 percent local tax). Dealers may also request authorization from the Tax Commissioner to report tax based on gross sales.

The additional regional tax in Northern Virginia applies to the Cities of Alexandria, Fairfax, Falls Church, Manassas, and Manassas Park, and the Counties of Arlington, Fairfax, Loudoun, and Prince William. the additional regional tax in Hampton Roads applies to the Cities of Chesapeake, Franklin, Hampton, Newport News, Norfolk, Poquoson, Portsmouth, Suffolk, Virginia Beach and Williamsburg, and the Counties of Isle of Wight, James City, Southampton and York.

For additional information refer to Code of Virginia 58.1-614.

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Beginning January 1, 2011, a Prepaid Wireless E-911 fee of 50 cents is imposed on each retail purchase of prepaid wireless calling service. Dealers who sell prepaid wireless service must collect and remit the new fee, beginning with the month of January 2011.

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General Liability: The fee is levied for each new tire sold at retail in Virginia. The fee may be passed on to the retail customer if separately stated.

Fee Rate: Beginning July 1, 2011, the fee is 50 cents per tire, with certain exemptions (see below).

Registration: To register for the Tire Recycling Fee, retailers must file a Business Registration Application, Form R-1, with the Department of Taxation, or register online.

Filing Procedure: Every tire retailer must file the Tire Fee return, Form T-1, quarterly. The return is due and the fee payable on or before the 20th of the month following the end of each quarter of the calendar year. Quarterly periods end March 31, June 30, September 30 and December 31.

The fee imposed under 58.1-641 shall not apply to new tires for:

For additional information please refer to Code of Virginia 58.1-640-644

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General Liability: A fee is imposed on the in-room rental or purchase of digital media offered in guest rooms rented out for continuous occupancy for fewer than 90 days, such as hotels and motels.

Administering the Digital Media Fee

All charges for digital media are subject to the Digital Media Fee, with certain exemptions (see below). The fee is charged in addition to the cost of the rental of the room and is collected by the Provider, who then remits it to the Department.

A "Provider" is any person who offers the sale of digital media to guests in temporary lodgings located in Virginia. Digital Media providers must register with the Department.

Providers are required to collect the Digital Media Fee on taxable charges for digital media unless presented with a valid Retail Sales and Use Tax exemption certificate that exempts the customer from the Retail Sales and Use Tax on charges for the temporary lodging. In such cases, the Digital Media Fee shall not be collected.

As the Digital Media Fee is a fee on the purchase of a service, certificates of exemption from the Retail Sales and Use Tax on a purchase of tangible personal property will not relieve a customer from paying the Digital Media Fee.

Exemptions: The following are exempt from the Digital Media Fee, provided a valid exemption certificate is presented to exempt them of the Retail Sales and Use Tax on the lodging accommodation:

Registration: Dealers must file a Business Registration Application, Form R-1, or register online.

Filing Procedure: Each Provider is required to file a monthly Form DM-1, Digital Media Fee Return, and remit the Digital Media Fee due on or before the 20th day of the month following the month in which the fee is billed. The Digital Media Fee must be reported on Form DM-1; the Digital Media Fee cannot be reported on the Provider's Form ST-9, Retail Sales and Use Tax Return.

Tax Rate: The tax rate is 10 percent of the sales or rental price.

For additional information please refer to Virginia Tax Bulletin 09-5.

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The Public Facilities Act provides a mechanism that allows a portion of the state sales tax revenues attributable to sales in new, renovated, or expanded public facilities in certain localities to be returned to the locality in which the facility is located. The locality is only entitled to the sales tax revenue generated by transactions taking place in the facility.

All businesses or persons making sales at the facility must register with the Department and report their sales and use tax on Form ST-9, Retail Sales and Use Tax Return.

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Sales and Use Tax | Virginia Department of Taxation

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October 25th, 2015 at 6:44 pm

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Excelsior, MN Jobs on CareerBuilder.com

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Transform Your Tomorrow Today at Curtiss-Wright At Curtiss-Wright, you have the opportunity to transform the way our customers do business, as wel...

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MN - Chanhassen (3 miles)

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October 21st, 2015 at 7:40 pm

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#1 Minnesota Excelsior Short Sale Negotiator, Free Excelsior …

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The Joe Niece Team....The Results of Experience Excelsior Minnesota Short Sale Information and Advice. Let us help you now, Call us at 612-305-8487.

E-mail Joe Niece about your situation Calculate your chance of a successful short sale

We can negotiate for your lender to pay your closing costs and Realtor fee's. The agent you choose to help you with your Excelsior Short Sale will determine your success rate. Most agents do not specialize in Excelsior Short Sales. The average agent has less than a 30% chance of completing a successful short sale with you. You have almost a 300% better chance if you use our specialized short sale team.

A Excelsior Minnesota short sale is when a bank or mortgage lender agrees to discount a loan balance due to an economic or financial hardship on the part of the mortgagor located in Minnesota. This Short Sale negotiation is all done through communication with a bank's Loss Mitigation Department. The home owner/debtor sells the Minnesota mortgaged property for less than the outstanding balance of the loan, and turns over the proceeds of the sale to the lender in full satisfaction of the debt. In such instances, the lender would have the right to approve or disapprove of a proposed sale.

Extenuating circumstances influence whether or not banks will discount a loan balance. These circumstances are usually related to the current real estate market climate and the individual borrower's financial situation.

2013 SHORT SALE UPDATE !!!!!! 1. Foreclosure inventory down by up to 75%

2. Short Sale inventory down by up to 50%

3. Interest rates up 25-35%

4. Fed indicates that they will soon stop buying bonds. In Nov of 2008 the Fed started buying bonds and interest rates dropped dramatically almost overnight.

5. The impact this will have on the real estate market will be catastrophic. Rates should shoot up to almost 6% and most likely will not level off until they hit 7.0-7.5%.

6. Homes will see a decrease in value ranging from 10-30% depending on a homes specific area

7. My advice is to sell your home now if you plan to sell in the next 2-5 years

8. If you are buying with a loan, make sure and purchase your next home within the next 6-18 months so you can lock in a much lower interest rate over the next 15-30 years

9. If you are planning on doing a short sale, start as soon as possible so that you are stuck in a market where the values are falling dramatically each month

2012 UPDATE !!!!!! March 9th 2012 HAFA Extended to December 31st 2013 Key Points of the new update: 1. No Longer any Occupancy Requirements-You don't have to be living in the home 2. $3,000 Relocation with HAFA now both Owner Occupied and Tenant Occupied at the time of sale. 3. Seller may make full payments to servicers even if the amount is over 31%, keep current and Qualify for HAFA 4. 2nd Lien Holders can get up to 8,500 5. Credit Reporting will now be one of the following: a. Account Status Code 13-Paid or closed account, zero balance b. Account paid in full, a foreclosure was started.

In 2012 I have changed my belief as to what determines if a homeowner will be successful with their short sale. 1. Who you pick to help you with your short sale. 2. Who your lender is. 3. What your hardship is.

I know that seem crazy but almost all of the horror stories I hear were caused by the agents or negotiators not understanding the process or not being experienced enough.

Traditional Short Sale

A short sale occurs when your property is sold at a price lower than the amount you owe on the mortgage, and your lender agrees to the "short" payoff. A short sale becomes an option if you are behind on your mortgage payments, you want or need to leave the property and do not have the funds to pay the difference between the net proceeds from the sale of your home and the mortgage. For delinquent homeowners and lenders, short sales provide a way to avoid many of the costly impacts of foreclosure.

A short sale may make sense if you:

Do not qualify for any options to keep your home, including HAMP, forbearance and reinstatement. Owe more on your loan than the home is worth. Don't think you can sell your home at a price that would cover your loan amount.

Home Affordable Foreclosure Alternatives (HAFA)

If you can no longer afford your mortgage and are interested in transitioning out of your home to more affordable housing, you may be eligible for a short sale through the federal Home Affordable Foreclosure Alternatives (HAFA) , a component of the federal Making Home Affordable Program. With this option, you will avoid some of the negative effects of foreclosure and may be eligible to receive a payment of $3,000 to help you move to a new home.

A HAFA short sale may make sense if you:

Have a loan that is owned by Freddie Mac, Fannie Mae or a participating investor. Do not qualify for, or did not complete a trial period plan through, HAMP. Took out your mortgage on or before January 1, 2009. Are behind on your mortgage payments. Spend more than 31 percent of your pre-tax income on your mortgage payment (including principal, interest, taxes, insurance and homeowner's association dues). Are unable to afford your mortgage payments because of a documentable financial hardship.

You may be eligible for the Home Affordable Foreclosure Alternatives program if:

the property is your current principal residence, OR the property has been vacant or rented out for less than 12 months, and you have not bought another principal residence during that time.

the amount you owe on your first mortgage for your property is equal to or less than:

$729,750 for 1 unit $934,200 for 2 units $1,129,250 for 3 units $1,403,400 for 4 units

you owe more on your home than its worth

your current mortgage was taken out on or before January 1, 2009

you are experiencing a hardship (such as a job loss, divorce or medical emergency) and are unable to afford your current home loan (For loans not owned by Fannie Mae or Freddie Mac) All servicers that have signed agreements with the U.S. Department of the Treasury (Treasury) to participate in the Home Affordable Modification Program (HAMP) must consider eligible borrowers who do not qualify for HAMP for other foreclosure prevention options including the Home Affordable Foreclosure Alternatives program which includes short sale and deed-in-lieu. However, each servicer has some discretion in determining additional eligibility criteria and certain program rules.

2011 UPDATE !!!!!! I am really getting disgusted with all of the get rich quick scams that I am seeing from people trying to make a quick buck off of homeowners that are in trouble. I have decided to add the following list so that you can decide if a person or company that you are thinking of dealing with is looking out for you best interest.

1. Do they advertise their name prominantly as a Excelsior short sale expert on their main website? Why is this important? Many agents think of Excelsior short sales as an additional source of revenue verus being proud of helping people that are in trouble. They do not want to tie themselves as being a Excelsior short sale expert because it might turn off their normal sale clients. If they are not proud of helping people that are in trouble who need to do a Excelsior short sale, then you should not work with them.

2. Do they give you all of the information you need to determine if you should do a Excelsior short sale, or do they tease you with information, ask you to sign up for emailed information, and withhold the information that you need to research your options? If they do not have the information to give you or if they are not willing to take the time and money to put it on their website, are you sure that they are 100% committed to helping you do a short sale?

3. Do they tell you what banks they have worked with on Excelsior short sales? It might be good to have something in writing that shows they have a history working with short sales in Excelsior. Ninety nine percent of the people you find online had never done a short sale before 2010. Ninety nine percent will have only done a short sale with one or two lenders.

Past Short Sale Experience Here are some of our past short sales that we have had experience with.

As of today, we are actively working about 70-80 short sales. This includes about two dozen Bank of America Short Sales, almost two dozen Wellsfargo Short Sales, and a dozen each of Us Bank Short Sales, Chase Short Sales, Citi Mortgage Short Sales, Credit Union Short Sales and TCF Short Sales. The person you choose will determine almost 100% if you are going to be successful or not with your Excelsior short sale. With the correct short sale agent, you will stay out of foreclosure and, remove or minimize the bank asking you for money or a prom note. If you pick the wrong agent, you very likely will become a Excelsior foreclosure, end up owing much more than you need to pay and possibly have collectors coming after you for six years.

4. Do they have any Excelsior short sale video (see below) that explains the process? Why is this important? It would be nice to hear in person what the person is saying from their own mouth? If not, how do you know if they are telling you one thing to get your business, and doing something else later?

5. Are they willing to point you to information on doing a Excelsior loan modification? If you are looking for all of your options, they should be willing to talk to you about things that will not make them money. Be aware if they are trying to help you and also make a living, or just trying to make money off of your mis-fortune.

6. Do they spend the time to blog about short sales? If they are a Excelsior short sale expert, do they take the time to get information out to others? Joe Niece's Blog Joe Niece's Trulia Blog Joe Niece's HomeGain Blog Joe Niece's Active Rain Blog

7. Do they have a Lawyer available at no cost to consult with about any legal questions that you might have about your Excelsior short Sale? Will he go over your Excelsior Short Sale approval letter with you?

8. Do they have a CPA or Tax expertto explain questions about Excelsior short sale 1099 income. Do they have someone that can talk to you about Insolvency, rental issues and other questions that come up during your short sale?

9. Do they farm out their Excelsior short salesto a third party negotiator, law firm or out of state company. A great Excelsior short sale negotiator is very hard to find, expensive and vital to your short sale success. If your agent is doing it all, they most likely do not have the experience with multiple lenders and all of the different issues that can come up. If they are farming it out, the company they send you to very likely may look at you as a number, versus as a real person that needs help.Don't let a slick sales pitch take you off track. You need to make sure that you are going to be in better shape when you are done than when you started.

10. Will they come out and meet with you and not ask you to sign a contract right away? Make sure they are as willing to help versus make money. If their heart is in the right place, then they most likely will go the extra mile to help you.

11. Have they taken the time to get educated? I continue to educate myself with my Excelsior Certified Distressed Property Expert certification, SFR training and Five Star training. I recently received the e-mail below from Dave Liniger, the Chairman and Co-Founder of REMAX.

Dear Joe,

Congratulations! Because of your Short Sale training and expertise, you have been selected to participate in the CitiMortgage ProActive Short Sale program.

The program is designed to assist families facing foreclosure with a viable alternative, and a more "graceful exit" through a Short Sale. In support of this program, the names of local RE/MAX agents, who have a demonstrated expertise in Short Sales, will be provided to these homeowners. The homeowners may choose to contact those agents.

The primary reason you have been selected to participate in this program is your demonstrated commitment to the Short Sale process. You should have either a CDPE designation, SFR certification or Five Star training, along with a proven high level of experience with Short Sale transactions.

Thank you,

Dave Liniger Chairman and Co-Founder RE/MAX, LLC

12. Are they willing to live chat with you?

End 2011 Update, continue reading below about Excelsior Short Sales

A short sale in Excelsior Minnesotatypically is executed to prevent a home foreclosure. Often a bank will choose to allow Excelsior property to short saleif they believe that it will result in a smaller financial loss than foreclosing. For the home owner, the advantages include avoidance of having a foreclosure on their credit history and the partial control of the monetary deficiency. Additionally, a short sale is typically faster and less expensive in Minnesota than a foreclosure in Minnesota due to the redemption laws. In short, a short sale is nothing more than negotiating with lien holders a payoff for less than what they are owed, or rather a sale of a debt, generally on a piece of real estate, short of the full debt amount.

Minnesota Short Sale Information

Learn More about Short Sales

Excelsior Short Sale versus Excelsior Foreclosure, which is the best option? In almost all cases, a Excelsior Foreclosure is a bad option if you have the choice of doing a Excelsior Short Sale. Why is this? If you think about it, it starts to make more sense.

Let's look at the differences between a Excelsior Short Sale and a Excelsior Foreclosure. A Excelsior Short Sale is when you need to sell but owe more then your home will sell for. The process similar to a normal sale in some ways.

1. You need to sell. (same)

2. Your home is worth less then you can sell it for. (different)

3. You contact a Realtor. If you are looking in Minnesota, you can contact us. Do not use a Realtor that does not have free information and/or Short Sale video on their website about Excelsior Short Sales. The choice you make when picking a Realtor will in most cases determine if you will be successful or not with your short sale. Find someone like us that has helped hundreds of homeowners with their foreclosure or short sale needs versus 99% of the agents that have done less then five short sales. This will increase your chances of being successful from about 30% to about 90%. (similar)

4. You negotiate with the bank if you chose a bad Realtor or we negotiate if you picked us. Most people agree that negotiating for yourself has some very big negatives but you need to do what you are comfortable with. (different)

5. We negotiate for the bank to pay your closing costs and fee's. (different)

6. Your lender pays your Realtor fee's (different)

7. You sign at closing to sell your home. (same)

If you are missing your payments and you do nothing, you will most likely end up as a Foreclosure in Excelsior. The process can take five weeks, it can take nine months, it can take a year depending on your situation. Once your redemption period ends, you must leave your home. Let's talk about the main problems with letting your home become a Excelsior foreclosure versus a Excelsior Short Sale.

1. The bank does not want to force you into foreclosure. It is much better for them to allow you to do a Excelsior short sale versus ending up as a Excelsior Foreclosure. They will work with you if you just follow the instructions that they give you.

2. A Excelsior Foreclosure will double or triple the time it will take for you to fix your credit and get another loan on a home. This might be far down on your list now but why ruin your credit for longer then you have to.

3. If you have private mortgage insurance, the private mortgage insurance company may pay part or all of the money that the bank loses. The problem is that they will come after you once you have become a Excelsior Foreclosure. Having a collection agency going after you for ten or more years may not seem like a great option to most people.

4. If you have more then one loan, the junior lien holders are still owned the money they have lost after you Excelsior Home Forecloses. They can and will come after you and file a deficiency judgment which you will have to pay. If you do a Excelsior short sale instead, we can get the second mortgages to settle.

Minnesota Shortsale Hardship Letter Samples

Let a Excelsior Minnesota short saleExpert help you now, Call Joe Niece at 612-305-8487.

E-mail Joe Niece about your situation

Search every listing of every home for sale in Minnesota. Search Minnesota MLS Listings and Home for Sale

All of the information provided is gathered from numerous sources. If you are in need of help, contact us for a private meeting about your particular situation. Some provisions may not be applicable in all states and may change daily based on new laws and interpretations. This infomation is provided as a public service to help troubled borrowers and lenders minimize the economic and emotional damage that foreclosures have had on society. Legal advice should be obtained from an attorney.

I. Lender's Options Upon Borrower's Loan Default

Q 1. What options does a lender have on a debt secured by real Excelsior property if the borrower does not make the payments on the loan?

Answer:

Depending on the situation, a lender may consider one of the following:

A lender may foreclose on the defaulting borrower's real property which secures the loan. There are two types of "foreclosures" available to a lender: a trustee's (sherriff's) sale and a judicial foreclosure. Technically, a sherriff's (trustee's) sale is not a "foreclosure" but the term has been used for both a trustee's sale as well as a judicial foreclosure.

For certain loans, a lender has no choice and must conduct a sherriff's(trustee's) sale. With a sherriff's(trustee's sale), a lender cannot go after a deficiency judgment. A deficiency occurs when the current market value of the property is less than the loan on the property. See Questions 3 and 4 for more details.

Q 2. What other options may the lender consider instead of foreclosure when the borrower is delinquent?

Answer:

Loan Workout or Short Payoff/Short Sale

Basically, a loan workout is any resolution of a problem loan between the lender and borrower that modifies the original loan agreement. Some of these options include forbearance (e.g. forgiving a portion of the debt or late charges); deferment; renegotiating interest rate, monthly payment amount, principal amount, maturity date; or the enforcement of an acceleration clause in the loan.

The lender may also be able to pursue "guarantors" of the debt who have signed written guarantee agreements (not including the borrowers).

*: With a Excelsior short payoff, the lender accepts less than the remaining mortgage amount as full payment of the loan. The property need not be sold.

*Note: Some lenders do not differentiate between a Excelsior short sale and a Excelsior short payoff.

Q 3. What is a deficiency judgment?

Answer:

A deficiency judgment is a judgment obtained by the lender in court against the borrower for the difference between the unpaid balance of the secured debt and the amount produced by sale or the fair market value of the security, whichever is greater, in a judicial foreclosure. A lender may obtain a deficiency judgment only with a judicial foreclosure. With a sherriff's(trustee's) sale foreclosure, the lender cannot go after a deficiency judgment. See Question 4 for more details.

Q 4. Can a real estate lender obtain a deficiency judgment against a defaulting borrower following foreclosure?

Answer:

It depends. Some states have "anti-deficiency statutes" that protect certain borrowers from deficiency judgments. Under those circumstances, a lender would opt for a sherriff's (trustee's) sale foreclosure which is quicker and less expensive than a judicial foreclosure. A sherriff's (trustee's) sale foreclosure does not involve the courts. Generally, there are five situations in which a deficiency judgment is prohibited.:

1) Purchase Money

2) Seller Carryback.

3) Trustees Sale.

4) 3 Month Time Limit.

5) Fair Value Limitations.

See more here:
#1 Minnesota Excelsior Short Sale Negotiator, Free Excelsior ...

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