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What to Consider When Making a Smart Real Estate Investment

Real estate is the largest purchase most people with make in their life so it is crucial to think about a long term investment strategy when doing so. The old adage “location, location, location” is the key to smart real estate investing. Purchasing a home in sought-after areas is an easy to way to ensure you are making a smart investment. These areas tend to have low crime, great schools and accessibility to highways, which leads to more demand than supply. Keep in mind that just because a home appears to be a “deal” doesn’t mean it is necessarily a good investment. You still want to take in consideration the location, the neighborhood and other surrounding factors before making a final decision. I like to remind my clients that the actual house is secondary to these other external factors that you cannot change and have no control over.

Getting a good price on a home is also an important strategy when making a real estate investment. You definitely want to make sure you are buying within the area’s price range, if not lower, to ensure you won’t be in a negative equity situation. Reviewing comparables with your Realtor will help educate you on what a fair, or even aggressive, price is for the home you want. If a home needs some cosmetic upgrades, many buyers will ignore that house as an option because they tend to overestimate how much (or little) time and money it will take to get the home up to par. Many times a home is listed 10k below market value simply because it needs 3k worth of paint and carpet! This scenario would make for a terrific investment!

Lastly, you are going to want to stay in your home long enough to build up some equity. Sometimes this may mean possibly selling your home when the market is at its peak, which could be only 2 years after buying it. Other times it could mean staying in your home for the long haul so that you can wait for the next peak to arrive. Be sure you have decided on a home than is flexible if your life circumstances suddenly change. Things like a new baby, aging parents or sudden injuries or surgeries can sometimes make people feel like their current home just can’t work anymore and are forced to move before having enough time to build equity. So while not every house can fit every life circumstance, it is important to consider the “what ifs” when finding your new home.…

Hybrid Bikes – A Great Transportation Investment

Hybrid bikes offer a great, comfortable ride for any rider, whether you are a beginner or a more advanced rider. These incorporate the best features of the mountain type version and the regular road version. So the end product will achieve high speeds on road surfaces and will also be able to take on the dirt pathways of the off road trails. There are many such bikes available today and you may want to consider buying one as a tool to exercise with, to have some fun with or even to use as an alternative way to get to work instead of driving your car.

What make them ideal for these uses, are the great pedal efficiency and the comfort they provide. The light weight nature of these and their easy pedaling is a feature you will find in all of them. Some models will even cater to off-roading activities.

Many features distinguish these hybrid bikes from the regular versions and are as follows:

· The body is designed to facilitate easy pedaling and great comfort.

· The combination of the lightweight materials used in the design and the extra smooth suspension will allow you to move very fast even while enjoying a ride that provides excellent shock absorption.

· The ability to adjust how you are seated on the bike has been designed into the models.

· The adjustments will allow you to sit in an aerodynamic position or you may opt for a more upright positioning.

· The seats come with get type padding, are ergonomically designed, and are soft and very comfortable. They are built with a flexible frame and anatomical shapes. Should you decide to use you bike to work, this feature alone will make it a comfortable commute.

· The handling of rough roads is helped by the suspension structure of these hybrid bikes, and that same structure promotes easier control.

· The tires are designed to take high air pressure and that makes traveling for longer rides that much easier and it also makes reaching faster speeds much easier.

· The usual jolts and bumps are not experienced with the hybrid bikes, instead it consistently provides a more comfortable and smooth experience.

· Suspension seat posts are a feature on many models. This suspension seat post feature will add immense comfort and ease the bumps you may experience when negotiating obstacles such as curbs.

· The gearing mechanism is easy to use and consists of two sets that allow from 16 to 27 gear combinations which make a commute to work or a country side ride equally possible.

· The braking system is excellent and allows for effortless control of both speed and braking.

Because of the fast growing popularity of these bikes, you will find a large variety of models on the market today as more manufacturers are making them. The quality, comfort, and attractive pricing of these hybrid bikes is making then a preferred choice for many people who are now choosing them to commute to work. Research can easily be done on the Internet to find and review the models and features available. As with most products on the Internet, you will be able to ship the product to your door in record time.…

HDFC Systematic Investment Plan – Tips to Invest

HDFC SIP plan is really well known and has produced great results in past years. They are giving you the option to invest on regular basis; and the process of investment is really easy and cost effective. SIP of Systematic Investment Plans are rather monthly investment plans to provide you the facility of saving a small amount each month and getting compound benefit. You may consider this as a recurring deposit with a locking period of 3 years. The SIP invest are also valuable for the companies as they give them more number of customers and the locking period enables them to utilize the funds in proper places.

There are numerous ways of investing into HDFC SIP plan. As it has been listed to be one of the top 20 best return giver in last years you will get good number of brokers also giving you the facility of investment and describing the features of its invest. The facilities that are the key reasons for investing into HDFC SIP are like

Economical saving system at the time of recession.

A savings plan for all the classes of people.

HDFC being a brand in India with almost its foot in every aspect of financial sector the faith comes automatically.

The SIP funds make the average cost go down for your buying per unit.

There is compound benefit seen in the HDFC SIP.

Monthly investments start with HDFC with as low as 100 to 500 Rupees a month. So you may consider this to be economical and a way of saving you were searching for years. You will also get the benefit of online transfer. HDFC offers the cost go for the right thing with a wide range of investment plans even in SIP.

SIP with HDFC is easy and details can be collected from their site only. With the current recession it is the best to go for SIP as this will allow you buy more units when the NAV is low and low number of units when the NAV is high. HDFC top 200 scheme is an answer for many of your goal achievement where it has shown a result of 30.6% profit last year whereas in not SIP invest it has shown a growth of 27.51%.A�…

Stand Out From the Competition – Make It Fun For Your Customers to Do Business With You

People like to have fun. They like to be able to enjoy themselves. One of the best opportunities for pleasure can occur when they do business with your company or organization. Laughter is one of the few languages that is spoken by every human being. When your customers are met by cheerful, personable, and positive employees, chances are those customers will enjoy spending their money and do even more business with you.

Let’s examine the psychology behind that kind of thinking. One of the main reasons why customers quit doing business with a company is a feeling of indifference they receive from the frontline personnel that serve them. Many times, your customers take personally the type of service they receive. If they receive poor service, it can very easily be interpreted as a form of personal rejection. Conversely, if it is very good service, it can be interpreted as a sign of respect and acceptance. Naturally, our customers prefer the latter form of service.

Taking this discussion one step further, when a person experiences joy or laughter, endorphins are released from the brain. An “endorphin” is a natural morphine-like substance that is produced within the human body. It creates a euphoric-like state that allows a person to experience physical and mental feelings of pleasure. A person feels good. In a similar way, when a person receives the kind of service that can be interpreted as a sign of respect and acceptance, he or she can actually experience a release of endorphins. Thus, when a customer comments to you on how they like doing business with your company, recognize that there is more to it than just words.

What does all of this have to do with your business? The key is to let the fun side of your personality show. Your example will serve as a good role model as well as a reminder for your employees and co-workers. By setting the pace in your business in terms of behavior, your customers, employees and co-workers will appreciate it.…

Figuring Out Funding When Your Business Is Growing

Most business articles focus on financing and survival issues when trying to get a business up and off the tarmac when you first start out. Less is said about the financing issues you can run into once you are up and running. That ends now.

Being a small, growing company with little history places you in an odd area when it comes to commercial financing. You aren’t exactly new, but also aren’t established. This makes you a bit of a ghost as far as lenders are concerned. This is often bad news since you usually need financing to grow a business since you need to buy things like equipment, hire more employees and so on. When seeking such financing, there are many things to consider. Here are five important ones.

Business Plan

Look at it this way. You want a financial institution to grant your business a loan. They have no idea about your business and thus the onus is on you to provide them with as much information possible. It will need to describe your business, detail the start up, where you are now headed and why money is needed to make it happen. Put in facts, facts and more facts!

Credit Report

You might be surprised to learn you have business credit. Well, you do and you need to check it frequently. The lender is going to go over it with a fine tooth comb, particularly given the current lending environment. Make sure yours is buffed to a shine so it doesn’t cause you problems.

Investment Options

The bank down the street may be a financing option. Then again, it might not. You need to think big when it comes to financing. Spend a good bit of time researching the options available in your area. You might be surprised to learn that agencies that regulate your industry, such as the USDA, also offer loan programs. Your starting point should always be the Small Business Administration, an agency that is actually tasked with the mission of helping companies like yours. Imagine that!

Valuable Rejections

Rejection is a part of life as we all know. If your financing package has been rejected, don’t just head to the bar. Ask questions of the lender. Don’t be a jerk. Just try to find out why you have been rejected so that you can isolate the weak points of your presentation or business profile. Then fix them and apply with another funding source. In short, learn from your mistakes.

Commercial financing is a world unto itself. Treat it as such and you’ll find that getting financing is not only possible, but probable.…

Gold Necklace With Ruby and Other Stones

Keeping into account the contemporary world, when economic decline has been at its peak, and no commodity has retained its value, gold has been receiving immense amount of interest in terms of value and worth. Investors have started looking upon it as a stable source of investment through which they can gain a lot of profit without facing any loss in the long run.

Yet, the fact cannot be ignored that gold is, above all, a beautiful ornament. It has become a commodity in the world of today, yet there was a time when it was employed and purchased extensively for jewellery purposes. Even nowadays, people who have a lot of jewellery collection are considered as people with secured future. Yet, if you notice, for them, gold still stands as a beautification ornament. It is an embellishment of their personality and tends to enhance your outlook with a certain aura of dominance.

Therefore, you may find how much gold necklaces have been in demand for centuries. Traditionally speaking, gold has been very popular in Arabic and Asian Countries, where gold is considered as a compulsion to be worn on occasions and various formal events. Since it can be moulded into any form, you may see how gold is worn as necklaces, rings, earrings, bangles etc.

Focusing on gold necklaces, many stones have also emerged that can be blended together and give an altogether enhanced and attractive look. For instance, you may easily find gold necklaces studded with emerald, pearls, sapphire and rubies. These stones are highly precious yet you may simply find replicas all across the globe. Stones tend to be more prominent in a necklace. They serve as the colours that are added to a canvas. When it comes to stones, the value of gold and its weight is augmented.

Although these may look very attractive, but when u want to modify any change in the outlook of the necklace, the stones are not given any value until and unless they are original.

You may find gold in various forms. Some are labelled as designers, classic, modern and some fancy. They have different shapes and designs, but all inculcate a traditional look.

When you go to a jewellery shop, you shall see a wide range of gold necklaces that would include hand crafted harem, floral necklace sets that are usually studded with synthetic stones, and gold necklaces that are fitted with marquise-shaped emeralds. You may also find gold harem for brides, traditional hand-crafted gold necklaces, and rhodium coated ones and some are antique styled. You may also get hold of party wear necklaces that are studded with stones like emeralds, rubies and sapphires.

Lastly, you may also observe how Indian women tend to wear “mangalsutra” that are usually gold necklaces with various beads. Most are usually black in colour, but as the time is progressing, people have started showing some bent of interest towards other stones like rubies, emeralds, sapphires and pearls as well.…

What You Need to Know About Selling Rental Property

Selling rental property can be one of the most financially rewarding experiences any real estate professional can encounter during his or her career. Aside from maybe the residential mansions in Beverly Hills, apartment buildings are commonly sold at prices that exceed residential property prices and thus generate more commission dollars for both the listing and selling agent.

It is not unlikely, for instance, that in a market where the average sales price of a house is $250,000 that a ten-unit apartment building one block over will sell for two-to-three times that price. And when you do the math (assuming a six-percent commission) even conservatively, the result would be $30,000 verses $15,000.

Another advantage associated with selling rental property comes in the form of what I will simply call “the benefit of repeat business”.

Once you sell a house it’s probably safe to say (barring something irregular like a job transfer or change in finances) that the buyer is no longer a potential customer for about five years. On the other hand since it is “investors in real estate” who purchase income property you are always faced with the potential that your customer might want to invest in more rental property; or given the right set of circumstances may even want to exchange one investment property for something larger.

In other words, when you sell investment property, you work with investors by association and therefore are always in a position to acquire repeat business and reap the benefit of additional commissions.

This was true with the first investment property I ever sold to an investor and in most transactions I was involved during the years since just as true. Real estate investors by their very nature are always looking for a property (or another property) that will make them money and this means repeat business for you and as a result more commissions earned.

Fair enough, but you can’t enter the income property arena thinking like a residential real estate person. There are a few things you need to understand about real estate investing protocol to be successful at it.

When you sell rental income property, you need to present the numbers. It’s not enough to simply point out the on-suite bathroom and large walk-in closet because real estate investors are only interested in the bottom line: “How much money does it make me?”

You must present the cash flows, rates of return, and profitability numbers for every rental property to your investors otherwise you could merely “pound sand” and lose the opportunity. This is not difficult with good real estate investment software.

It is also a good idea to become familiar with some of the essential returns real estate investors look for in a property when making an investment decision. Otherwise you will appear less-than-capable of working with rental property and lose credibility with the customer. Amongst other things learn how to compute capitalization rate and cash-on-cash return and understand the role of an APOD and Proforma Income Statement.

The truth about selling rental property is that you can make money at it; what’s more, it is not really that difficult. Once you make the decision to get involved visit my website and read the free real estate investing articles and learn about my real estate investment software. These are designed to help agents like you to get started off on the right foot.…

Investing in Foreclosed Homes

In this day and age we have the unfortunate situation of foreclosures across the US. But for some foreclosed homes are an opportunity for those want to buy investment property.

If your thinking about getting a loan for one of these types of properties you’ll need to know a few things. Getting a loan for a foreclosed property is like getting a mortgage for a residential property.

One key different for a loan for a rental property is you’ll typically pay a higher interest rate. You’ll also need to have specific information available to your lender in terms of rent that will be collected to make mortgage payments. Many of the programs that are available to residential owner occupied properties won’t be available to those looking at rental property.

Many foreclosed homes are in rough shape since many people do a number on the houses before they leave them. You’ll need to select a home that’s in decent shape otherwise most lenders will pass on them. You’ll have to have all the information for the lender available cause they will want to see that you’ve done your homework and not just the home but the market as well.

In order to get prequalified you’ll need to know what the guidelines are for investment property, you’ll lender will give you all the details. If you’re going to attend an auction you’ll need to have a significant amount available for a down payment to secure the property while you set up financing, just food for thought.

Auctions can be a gold mine in terms of investment properties but keep in mind you are not the only guy that’s showing up with a big checkbook. Many pros have all the tips and tricks of the trade and you’ll get no time to inspect the property before you buy so you’ll need to know what to look for in terms of information. If you’re starting out it’s probably best just to wait for the properties that don’t go at the auction and are on the open market available for all. You’ll get more time to have the property inspected and uncover whether or not is a solid property fit for an investment.

Investing solo can be very scary so if a friend or family member has an interest in starting out in real estate investing and the fit is right joining forces and minimize any losses. Combining the due diligence effort will help with whether or not you’ve found a solid gem to invest in.…

Stay at Home Mom Job Description

A lot of mothers that stay at home to raise their children are looking for a stay at home mom job description.

Affiliate marketing offers a wide variety of opportunities to earn income from home.

With affiliate marketing you can earn money online by promoting products or services from other companies via your website. When a customer clicks on a link on your site and then buys something, you earn a commission. A commission is a percentage of the total cost of the product that is sold. All you need to do to get started is sign up with an honest and legitimate home business program. This can be done for less than 25 dollars including setting your new website up. It’s also important that the home business program you sign up with offers free training and support. This way you can learn all you need to know to make your home business successful. Another good thing to look for in a home business program is to find out if they can set your new website up for you. In this case you only have to come up with a domain name for your new site and they will set your new income generating website up for you. This can be done within 24 hours.

The things you don’t want to look for in a stay at home mom job description are the numerous scams that claim to make you rich overnight or require a lot of money to sign up for without even offering free training and support or a free website. Those home business programs are only after your money.

When you do find an honest home business program that suits you, you can have your new website set up for you within 24 hours. Once your website is set up, you can get creative and customize your site until it has the look you desire.

The great benefit of this type of home business is that you only have to put in a few hours a week and then your website does the work for you the rest of the week. Another benefit is that customers from all over the world can buy products via your site, so your site can make money 24 hours a day, 7 days a week.

Finding a good stay at home mom job description isn’t difficult, just keep these few tips in mind and you can successfully start your own home business.…

ETFs Versus Mutual Funds – Which is Right For You?

In recent years more and more investors are selecting Exchange Traded Funds (ETFs) over mutual funds. But what exactly is an ETF, and how do they differ from the mutual fund? The two have some similarities such as allowing investors to diversify their assets among numerous sectors of the market. However, there are several important distinctions worth noting.

Tax-Efficiency

If you own a mutual fund, then you have probably experienced a year-end capital gains distribution (even if your mutual fund had a negative return for the year) because trades made by the fund sponsor throughout the year flow to its shareholders. Depending on the size of your portfolio, this can create unwanted and unpredictable tax consequences at year-end. ETFs, however, do not have capital gains distributions because ETF sponsors do not transact with their shareholders. ETFs are traded among other investors. Hence, capital gains/losses are controlled by the investor making them highly tax efficient.

Liquidity and Transparency

While mutual funds investors can only buy or sell their shares directly from the fund sponsor and only at the end of each day, ETFs can be traded throughout the day just like stocks. Investors not only can actively trade ETFs, they can also employ the same trading strategies that apply to stocks (limit or stop loss orders, short-sales, and options). In addition, it’s easier to “look under the hood” of an ETF, because unlike mutual funds, ETFs report their holdings daily, giving investors up-to-date information.

Cost

Mutual fund companies, regardless of size, incur significant record-keeping expenses to keep track of all their shareholders. ETFs, however, are low-cost and do not have such expenses because they are traded among investors just like stocks. Unlike some mutual funds, ETFs do not have sales loads or require minimum investments; investors only have to pay a commission to their brokerage firm to trade ETFs. In addition, most popular ETFs are extremely liquid, as millions of shares are traded each day. This allows investors to easily trade their shares with minimal impact on price.

Based on this information, you may assume mutual funds are no longer good investment options; however, is not that simple. There is no hard and fast rule, but here are some good rules of thumb to determine which is right for you:

• Many mutual fund companies have low minimums to start (as low as $25), but commissions to trade ETFs make such small purchases very cost prohibitive.

• If an investor plans to dollar-cost-average (buy a fixed dollar amount every month) or reinvest dividends, then a mutual fund is a better option.

• Mutual funds are effective for gaining exposure to a very specific sector of the market. For instance, it may be more appropriate for an investor interested in investing in international high yield fixed income or a specific country.

The growth in ETFs has exploded in recent years, and according to estimates by the Financial Research Corp. of Boston, ETF assets will most likely reach $1.4 trillion by 2011. And while mutual funds still remain the dominant investment vehicles in individual retirement accounts where the bulk of investor assets are held, it is important to determine which, mutual funds or ETFs, is right for your unique circumstances.…