investment: 2009

Partnering your way to real estate success

Boomers-Bank IRA-401K-Real-Estate Investing

With the rising inflation and falling U.S. dollar, property prices have escalated considerably in the last few years. This makes investing in real estate a much more expensive option. However, by making use of one of the oldest forms of doing business, partnerships, one can avail the benefits of real estate with far little cost to oneself.

When using a limited partnership in dealing with http://blog.ira-401k-realEstate.com real estate you must ensure that the legalities are clearly outlined and along with the circumstances under which the partnership is applicable. If you fail to do so, you might put yourself as well as your personal assets at risk that is if you are the general partner.

This brings us to an important concept; each partnership will have general members as well as at least one limited member. While limited partners avoid risking their personal assets in case the investment fails, they also resign their right to participate in the management of the business. Contrarily, general partners are responsible for the day-to-day running of the business; however, they may be liable to meet the debts of the company with their personal assets if the company’s assets are found to be insufficient.

This threat of such a situation arising might scare novice investors from getting into a partnership where they are the general partner. Irregardless of the risk, you should note that partnerships have a lot to offer, after all when has anybody achieved greatness without taking a few risks. So to see why partnerships can be very beneficial, consider the following hypothetical situation; you have established a limited partnership with two other people to make a $ 10,000 investment on a $ 100,000 property. Now, based on the specifications of the partnership agreement, you find that you only have to put down 30 percent of the down payment. This figure, i.e. $ 3,000, is only 3 percent of the total value of the property. Now consider the amount of profit you will make based on such a small investment.

Hence, you can see why partnerships are so popular in real estate, as well as in all walks of life. However, before you jump-the-gun and get into a partnership unprepared, there are a few things you must remember.

Firstly, under no circumstances should you start a partnership without a formal legal agreement in place. Even if you plan to partner with someone who is close to you, such as a family member or maybe an old high-school buddy, always, always draft a legal agreement. We already have too many cases of close-friends or family members fighting it out in court just because the business went sour and the proper legalities weren’t in place. No investment is worth losing people you love, therefore be as efficient as possible when drafting the agreement.

If the agreement is drafted correctly, everybody will know what their role is. Nonetheless, it is advised that each and every partner know exactly what they’re contributing and more importantly, what they’re NOT contributing. Nothing screams inefficiency and trouble more than when a partner tries to do something which he is not supposed to do, thus causing confusion and at times even disruption.

Lastly, when choosing to partner with someone, be sure that they have the financial resources to cope if the investment fails. Under no circumstances should you partner with someone who is contributing money from the kid’s college funds or out of their emergency fund. This will lead to nullifying perpetual worrying and will also ensure that partners don’t get frustrated if the investment doesn’t show a return immediately.

That said, you should now be well on your way to building a partnership once you’ve found a http://blog.ira-401k-realEstate.com/>good investment. Make sure all the points mentioned above have completely sunk in. No body can guarantee success, but if you follow the principles laid out in this article, you will at the least, be able to run a partnership effectively and efficiently.

For more details visit http://www.ira-401k-realestate.com/IYF-Video-Opt-In/

Contact Information:

Jafer Ali Shariff

Email: webmaster@ira-401k-realestate.com

Web: http://blog.ira-401k-realEstate.com/

Many Now Are Earning Dollars Through The Internet; Why Not You?

By: Bo Sanchez

Have you ever dreamt of putting up a website that earns you passive income even while you sleep?

On September 19 and 20, Jomar Hilario will give the Truly Rich Hands-On Internet Marketing Workshop. Why hands-on? By the end of the workshop, you will already have a working website that will start earning money for you.

Jomar Hilario is the young man who sold P2M worth of tickets for a concert—all done in 30 days—just by using email.

Have you always wanted someone to guide you step-by-step on how YOU can earn from the internet? Then your prayers are answered. On July 11 to 12, the Truly Rich Club is offering a two-day, hands-on, Truly Rich Internet Marketing Workshop.

You will get the following:

• Set up a system to earn US dollars online – semi passively.

• Duplicate this system so you can earn more – and faster – from your home!

• Set it up so you only need to maintain it for as less frequent as once a month!

• Set up another system to earn even more using client lists.

• Sell to your client lists using an online store.

• Collect money from your clients by giving them a service or a product (even if you don’t have one)

• Promote anything you do on the internet –and doing it “automatically”.

• And finally: Do all the above even if ALL you know is how to set up an email account!

Learn The Secret Weapon
That Speeds It All Up

You’ll learn what the Internet Millionaires calls the secret sauce, the internet marketing secret weapon. The procedure that allows them to create wealth in months–rather than years. A system that runs almost automatically that can earn money for you!

Not only that, this system is easy to duplicate that you can have several of these businesses running side by side, each one earning you money!

Most of these Internet Millionaires will not teach this to you, even for $2000! They’ll tell you about it, but they won’t guide you step by step.

But in the Truly Rich Internet Marketing Program, it’s workshop time!

For 2 days on July 11 and 12, prepare yourself for a step-by-step workshop on how to start earning on the internet, start creating your customer list and promoting anything on the ‘net. Yes, you can change your financial life!

Your Internet Guru: Jomar Hilario

Your main teacher will be Jomar Hilario, an Internet Marketer who sold P2 Million worth of sales in 30 days for one single event. For the past 2 years, he has assisted Bo Sanchez and Larry Gamboa in their internet marketing projects, making their businesses grow dramatically. In this two-day, hands-on, intensive Internet Marketing Workshop, Jomar will teach you the same proven SYSTEMS that have earned millions for others—and how you can duplicate this in your internet business many, many times.

What You Can Expect On The 2-Day Workshop

Throughout the Workshop, you will have an internet-connected computer in front of you. You will follow as Jomar guides you.

So that by the time you leave the Workshop-Seminar, you will have created a few cash machines–ready to earn from you–from your home!

Part 1, Blogging for Dollars for newbies - your first goal — $ 100 semi-passively.

1. Create your first semi automatic blogging cash machine. (Yes, you don’t need to be a writer, just slightly opinionated!)

2. Set up your blog to earn maximum income from Google Adsense.

3. Do minimal research for maximum income.

4. Set up for minimal maintenance of your blog (How about 1 day per month, sounds good?)

5. Name your blog for maximum visibility

6. Create your second blog!

7. How to collect your earnings.

Part 2, Creating your customer list - online and sell to them.

This works for existing businesses and those with NO IDEA WHAT THEIR BUSINESS IS.
In marketing, the person with the large buying list wins. This how-to knowledge needs to be in the hands of many Pinoys! Because it’s one of the surest ways people can practice things like in Tim Ferris’s “4 Hour Workweek”, another automated business that can be managed from anywhere with an internet connection. (Fiji Islands, Boracay, Paris, here we come!)

1. Set up an autoresponder account (Don’t worry, we’ll explain what this means.)

2. Connect your website to the autoresponder

3. Start collecting names of potential clients

4. Create your online products and setup your online store.

5. Sell to your clients automatically, 24 x 7, while paying only minimum costs that people with physical stores would envy you!

Part 3. Promotion on the Internet.

This is the part where even 14 year old kids can outshine you. This also means that they can assist you!

Get the word out on what you’re doing by making sure many many people know your product or service - or simply you.
This last part is the fuel that makes Part 1 and Part 2 run! So make sure you’re ready to “get the message” and “do what ever it takes”

1. How to promote on blogs, forums and newsgroups.

2. How to promote in YM, Facebook, Friendster, Multiply ,Yahoogroups, Googlegroups.

3. How to promote so you don’t wind up sitting on your computer for 8 hours straight!

4. The value of synergy and the Marketing Attitude.

Requirement: You must be surfing the internet comfortably and regularly.

If you pass our requirements, then please email Beckie at beaconlightevents@gmail.com or call (632) 722-9562 (Tues-Friday 9am-6pm) to reserve your slots. Seats are VERY VERY LIMITED - -so hurry!

Your Investment

Just surf the internet and search for seminars that give you a part of this information (but not the hands-on training), and you’ll find out that they charge P80,000 to P100,000 per person! (Yes, we think its absurd too.) Reason? Because these guys know that you’ll earn this back very soon through your internet business.

But for our Internet Marketing Seminar under the Truly Rich Program, we offer it for the insanely low price of P9750 only. (We’re crazy.) Why? Because the internet is still in its infancy stage here in the Philippines, and by making the seminar incredibly affordable, we’ll be able to grow the internet industry. In the long run, we’ll all benefit. (In other words, later on, we’ll be raising our prices.)

This fee includes 2 powerful days of intense learning and hands-on training, your seminar manuals, with 2 lunches and 2 snacks.

Attention: Married Couples and Business Partners: We offer special discounted rates to married couples or business partners who want to go and learn together. This will greatly help your business. You invest P8750 only per person.

Change your financial life and earn through your very own internet business now!

Please email Beckie at beaconlightevents@gmail.com or call (632) 722-9562 (Tues-Friday 9am-6pm) to reserve your slots. Seats are VERY VERY LIMITED - -so hurry! We also offer early bird discounts of up to P500 per person. Call or email now!

Two Seminar Special Package!

If you’re an entrepreneur (or would like to be one), save yourself from costly mistakes! Marketing Expert Rudy Torres will give the Truly Rich Super Direct Marketing Program! (Why Marketing? It’s the lifeblood of all businesses. Most businesses fail because of poor marketing.)

Because both seminars will greatly increase your chances of business success, we want to convince you to attend both seminars. So we’re offering a special price for those who take both semianrs. Instead of paying P19,500 for both seminars, you will only invest P15,500 per person! (Your BIG Savings: P4,000.00!)

“Crazy-Double-Your-Money” Guarantee: If within one year, you don’t earn at least double what you invested for these seminars, we’ll return your money, PLUS P2,000 extra for your lost time in trying out the seminar—no questions asked! That’s how much we believe these seminars will make you succeed!

For more details, call Beckie at (02) 7229562 or email her at beaconlightevents@gmail.com now. Note: For early birds, save an extra P500 per person! Call now before seats run out! (We have a maximum number of students registering per class.)

Property Investment

By: philip1965

Property investment The property market has done a downturn. Prices are crashing around your ears. So does this mean that you should get out of property investment? No this is actually a golden opportunity to increase your property portfolio. When you are buying property it does not really matter whether the market is up or down unless you are considering selling in the short term. If you are holding long term then you have to accept the market fluctuations with an inevitable upward trajectory over the years. If you can buy at the lower end of the cycle that is the best time to buy but very often it is hard to tell precisely where the market is at. If the market is experiencing a severe downturn it is a great time to be buying because there will be a large number of bargains. Just check the foreclosure lists and mortgagee auctions. You can pick and choose and buy at rock bottom prices. A word of caution, however, do not get too negatively geared because this is how most investors get themselves into trouble in the first place. Go for positive gearing. In other words make sure your rental income equals or exceeds your outgoing including mortgage repayments. If you have other income you may be able to stand an extra $100 or more per month to top up the mortgage but try to avoid it. There is nothing so good as sleeping easy at night knowing that the mortgage payments are taken care of. Negative gearing is ok if you have a really good income and a tax problem. If the property market is rising rapidly you can be confident that the value of your investment is increasing. That is where your profit is and you should be able to sell relatively easily if necessary. However, that was when the market was buoyant but now the reality is that the market has dropped and you need to be able to hold long term without any worries. It may take a few years before we hit healthy real estate selling conditions again, let alone a property boom. Meanwhile , concentrate on positive gearing and steadily increasing returns. This is a long term game and always has been. Look at property investing from a business perspective and do the sums before you buy. You need a decent return on investment and you need the rental return to cover or nearly cover the mortgage expenditure. Having said all that, there is no getting away from the fact that with good research and due diligence the down and depressed market presents serious investors with the best opportunities to build a portfolio of profitable properties for long term gains. http://www.greatmortgagetips.net

Stanley Burroughs’s Master Cleanse Diet Explained

January 4, 2009 · By: joel

Created by an avid supporter of natural health, Master
Cleanse diet involves a diet which uses the body natural
ability to heal itself to expel harmful matters in our body.
Commonly also known as the lemonade diet, Master Cleanse
diet involves the drinking of cocktail of lemonade. Results
have been amazing for those who have faithfully tried it and
there have been reports of severe health problems being
vanished after undergoing the Master Cleanse diet for just 2
weeks.

With the Master Cleanse, you have to drink a lemonade
cocktail that assist your body in removing the toxins which
is slowly poisoning your body. In short, it is a very
healthy way to get rid of the harmful toxins which causes
all the health problems inside our body. Many of those with
weight problems after trying many kinds of diet finally
found success in losing when they resorted to the Master
Cleanse diet. An added benefit which helps a person who
follows the Master Cleanse diet is breaking the cycle of bad
dietary habits.

When you are done with the Master Cleanse diet, you will
automatically be discouraged from following all the old
habits which contributed to an unhealthy lifestyle. Those
with skin problem like acne can also find help by using the
Master Cleanse diet. Many of us use drugs to help us remove
the acne because this is normally what our doctor will
recommend. But as soon as we stop using the drug which the
doctor prescribed, our skin problem will also return. With
the Master Cleanse, you will actually not suffer from this
recurring problem as the medication helps to remove the root
cause of the problem which is the toxins inside our body.

Master Cleanse is effective in dealing with weight
problems. Common way of reducing weight is to reduce the
intake of your calories. However, your body will react
differently with a sudden reduce of intake of calories. Your
body will slow down its metabolism rate to deal with the
shortage of calories. So, when one resumes its normal diet,
you actually gain weight instead of losing.

The Master Cleanse is a rejuvenating detoxification which
rids the body of unwanted toxins. As we grow older, our body
breaks down and the cells are replaced more slowly. The cell
replacement process is further aggravated by the toxins
within our body. Thus, whe

How Not to Become a Slumlord

by: Cameron Brown

Welcome to the first part of a two part series about getting into the investment property business.

After riding the ups and downs of the stock roller coaster for a while, an increasing number of investors are looking into property investment as a more stable alternative. With hot markets in many parts of the United States, the time may be ripe for you to get into this potentially lucrative trade. I would suggest, however, that you keep reading before you jump on the first property you find. You just might find something in this article that will keep you from breaking the bank and your back.

The hope of any investor is to build long-term wealth; this is a fairly straightforward principle and probably the reason you’re reading this article. There are however, some rules to play by in the property investment game if you don’t want to end up taking a shotgun with you every time rent needs to be collected. I’m talking about how to avoid becoming a ‘slumlord’.

In order to best relate the rules of being a successful landlord, let me share a story experienced by some extended family members. It’s a great example of what NOT to do if you want to get the most out of your investment property. After the story we’ll see what rules and lessons we can learn. Names have been changed to protect the identity of the innocent.

Ben bought a beater single-family investment property in a very bad area and he his two sons, Josh and Nathan, all got busy. They put in hardwood floors-don't want to have to replace carpet every time you have turn over, right? And then they thought they'd use really good paint-don't want have to repaint every time, right? And then they decided to splurge on good cabinetry and bathroom fixtures-a happy renter is a good renter, right? And to top it off, they put in nice towels on nice racks that said, "We are Family." Renters would appreciate that, right?

Right.

The first family to move in removed the bedroom and cupboard doors for firewood, tore out the nice bathroom fixtures and sold them at the swap meet, and fired small caliber rounds through the new hardwood floors. Ben discovered this when he received a call that the roof was leaking and he should, "Get your *** down here and fix it!" He patiently tried to explain that roofs do that when you pull shingles for kindling. Other wonderful visits ensued, prompted by similar calls.

It only took eight months to get them out of the house; turns out that tenant rights as outlined by the county enumerate more rights than the rest of us enjoy collectively. As the family moved out he noticed that mom and the two older boys all sported matching shirts stitched with "We are Family." The rest carried various pieces of the house.

Ben, Josh, and Nathan began to rebuild the house, finding all sorts of interesting changes to its structure. Nothing really serious other than a supporting beam was chain-sawed out (apparently more firewood), tile pried up in one bathroom-no clear reason why, gang signs scratched into all the glass and mirrors that weren't broken and other little surprises. While crawling under the house to repair bullet holes in a leaking plastic sewer pipe, Nathan found a bong and a bag a weed. I guess if you're stoned you tend to misplace things.

While helping restring some crawl space electrical wire-later found strung in the closet for hangers-Josh found a rusted out .32 caliber handgun. Somehow the tenants had managed to pry bricks out of the chimney, which Ben needed to replace in order to meet code. Apparently someone had driven an M1A1 Abrams up the driveway; there was no other way to explain the huge cracks in a driveway that had remained perfect for 20 years.

What can we learn from this horrific, yet unfortunately true story?

Rule 1
Location, Location, Location. Ok, so this might seem a little cliché, but it’s a fact that the location of your investment property will determine the kinds of tenants you will attract, and how much rent you can fairly charge. Remember, at some point in time in the future it may become necessary for you and your family to live there; what kind of neighborhood do you want to be in?

Rule 2
Don’t go overboard when you’re fixing up an investment property. You ought to expect reasonable wear and tear. Keep in mind that ‘reasonable wear and tear’ means something entirely different to a person whose renting than it does to an owner. And for goodness sake forget the, “We are Family” hand towels!

Rule 3
Know how to make basic repairs. Luckily for Ben and sons they had quite a bit of experience in various construction trades. Otherwise they may have lost even more money than they did through hiring out help. Knowing how to fix electrical wiring, repair drains, and replace windows will save you quite a bit of money down the road.

Rule 4
Screen your tenants as if they were moving in to live with you. This may be the most important step to avoid becoming a slumlord. Ask for and check references. Call previous landlords and ask questions like, “Did they pay rent on time? How was the condition of the house/apartment when they left? Did they ever disturb neighbors with loud music or yelling matches? How often would you have to make special trips for untimely repairs?” Being as informed as possible about who you rent to will make a huge difference in the profitability of your investment property.

Rule 5
Know your rights as a landlord. Be familiar with the eviction process in order to avoid long, drawn out disputes with tenants. Most states and counties provide online information about tenant and landlord rights.

Don’t repeat the mistakes made by Ben and his sons. Granted, getting into the investment property business takes hard work and you’ll have to put up with things you normally wouldn’t put up with. At the same time there are steps you can take to limit your liability while preventing yourself from becoming a ‘slumlord’.

In the next portion of this two-part article we will be discussing some of the financial aspects you should be familiar with in order to find the best deal possible on your first investment property.

About the author:

About the Author
Cameron Brown is a client account specialist with – More Visitors. More Buyers. More Revenue. For information on apartment financing, visit

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What You Need to Know Before You Buy

by: Cameron Brown

Welcome to the second portion of a two-part series on investment property. In the first installment, “How Not to Become a Slumlord”, we discussed a little of what it takes to own and operate a property as well as some of the do’s and don’ts of the property management trade. In this second segment, we will be discussing some pre-investment principles that will help you maximize your ROI.

There are three basic principles of investment property that you should know before you buy an investment property in order to avoid overpaying:

Time
How long do you plan on owning the investment property? As with stocks and bonds, the value of your investment may change significantly during the time you own it. While most real estate will appreciate in value over time, there are frequent fluctuations in the short-term market. If you plan on selling your investment property after less than five years, be prepared to accept the investment risk inherent in a shorter time horizon. This is especially true if you bought your property in an overheated real estate market. If this is the case, you could find yourself losing money if the market has taken a temporary downturn, especially if you’ve had to make major repairs to the property.

If you plan on owning the property for the next twenty to twenty-five years, it’s almost certain that your investment property will appreciate in value. There’s also a good chance, however, that you’ll have to make major repairs like replacing the roof, wiring system, or major appliances like a water heater or refrigerator. Of course, these repairs will be offset by the fact that you’ve had/will have twenty plus years to recoup the cost. If on the other hand, you’re only planning on owning an investment property for the next five years, buying a “fixer up’er” can eat up all the profits you would have made during your shorter investment horizon.

Networking
If you want the best deal possible on an investment property, than there are some people you’ll want to be friends with. City hall clerks and bank employees may know what properties will be available on foreclosure and when they will go on the market. Real estate agents usually know everything real estate related within their respective territory. Some prospective landlords even run ads in local newspapers.

Many individuals interested in entering the investment property market may even join local landlord or investment property owners organizations. These types of organizations hold regular meetings where you can get the inside scoop on what’s for sale in your area. The National Real Estate Investors Association is an online organization that provides a wealth of information and resources to potential investment property owners.

Financial Preparation
Get your finances in order. The less debt you have when you walk into your local lending institution, the better loan you’ll get. This is common sense, but it’s even more true for those seeking financing for an investment property. This is because lenders know that people are much more likely to default on a rental property than on their own homes. This means that the bank will demand a larger down payment and higher interest rates that you may have expected. It’s also a good idea to have some extra cash left over to make unforeseen repairs should they arise.

By wisely choosing an investment property time horizon, making contacts in the investment property community, and preparing proper financial means, your investment may become a significant means of supplementing retirement and other savings accounts.

About the author:

Cameron Brown is a client account specialist with 10x Marketing - More Visitors. More Buyers. More Revenue. For information on Investment Property, visit Security National Capital.

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Invest In Yourself, Invest In Your Future

by: Ted Sullivan

Commonly held wisdom tells us that it is a very good idea to save 10% of what we earn.

Many popular authors of financial self help books explain in great detail that after 20 to 30 years this 10% savings can likely help you retire from your day job. In fact, you probably know of such people that live in your neighborhood that have paid themselves first in this manner and over the years amassed considerable wealth.

If you are able to sit down today and adjust your living expenses so that you can live on 90% of your income to start saving 10% you are fortunate indeed. Especially if you happen to live in an urban area where the cost of living is continually increasing. Additionally, if you, as many people do, already give regularly to a local church or charity 10% of your present income that will only leave you with 80% to budget.

Most people think such a savings strategy to be extremely difficult if not impossible to follow. However if you read more closely to the advice given by popular authors, they are trying to tell you that you should use some of the 10% you are saving to improve your skills so you can earn more. Their message is to continually improve your earning ability in order to increase the amount you can earn.

Nobody expects NEVER to get a raise or earn more money. They may not believe that this could happen any time soon at their current job but certainly they realize that their life’s ambitions are not limited by their current situation. Unfortunately when they sit down and attempt to map out a financial strategy to get ahead they usually forget a basic fundamental economic principle. Learning new skills always means the ability to earn higher wages.

Even in something as simple as weaving carpets there are lousy cheap polyester carpets and very expensive Persian wool rugs. Some created by lousy carpet weavers at minimum wage. Other’s created by expert carpet weavers that have studied their craft and honed their skills in modern factories.

Most people think earning more money means that they have to have a second and third and maybe even fourth job. How depressing! What they really need is an opportunity to earn more income and then have the income grow exponentially. In financial terms this type of income is usually called residual income.

When you go to an investment advisor they always like to explain that if put X dollars in an investment and reinvest the interest then it will begin to grow exponentially. If you practice this type of investment strategy it can lead to a very large sum after 20 years. Especially if over those years you contribute monthly a small amount to cause the principle to grow.

Network Marketing is a business opportunity that can lead to exponential income growth or residual income. You begin by starting a part time home based business usually called an independent distributorship that earns income by recommending the products to others and earning commission income on those referrals.

The key to exponential growth in Network Marketing that is important to understand is simply this: You always introduce the business opportunity to others when they buy the products because you are expecting to find some people who will also be interested in the business opportunity. Those people you train to do the same as you are doing. Recommend and introduce.

By sponsoring new distributors and teaching them to do the same a downline is created. Network Marketing companies like Tahitian Noni International pay 53% of retail cost of the products back to the distributors. This 53% is divided up amongst the distributors who had a part on recommending the products up to 8 levels deep in the downline. Like the interest investment, the goal is simply to continue recommending the products to others and training those whom you sponsor as new distributors to do the same. This activity ensures that you will experience exponential growth in your organization.

Over time this simple duplicatable activity will lead to a very large group of people who are doing the same work of recommending the products every day in your organization. Overtime this also can lead to very large commission cheques because of the exponential growth.

By investing in yourself a small portion of the 10% savings to learn the art of network marketing you will have a new skill. This new skill will allow you to over a few short years to establish a business owned by yourself that’s income is only limited by the number of people you introduce the business to as well as train them to do the same.

Since there are considerable tax advantages to owning a home based business you should also consult a tax consultant for information for your province or state. Usually the tax savings amount to over 10% of your income so if you’re careful you can create a business that breaks even in the first month.

The Network Marketing Company we are using Tahitian Noni International, http://www.tni.com/1522283, provides a training program called Success Path. You can read about it on our web site http://www.nonijuiceint.com. We also provide training for our downline organization so that they can fine tune their sponsoring skills. You can read more about our opportunity at http://www.nonijuiceint.com/ebook

Success is not hard. It just takes a bit of work focused on the right activities, activities that create income.

About the author:
Ted Sullivan is a Tahitian Noni Independent Distributor who is helping others succeed at Network Marketing. He owns and and uses them to develop his business online.

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Investing the Profits from Your Home Based Business

by: Rhiannon Williamson

Having made the bold and glorious decision to sack the boss and go it alone you are one of the few who have what it takes to succeed. You have an entrepreneurial spirit and a strong will and these are rare and valuable attributes that will guide you throughout your professional and personal life.

Now that your business is up and running and you’re profiting from your efforts, it’s time to turn your attentions to investing the profits from your home based business wisely and for maximum gain.

One of the most consistently returning asset classes over the long term and the one that the majority of us can profit from is real estate.

Understanding market cycles

Now, you’re most likely aware that property markets are cyclical – this is because there is a direct correlation between the underlying price of real estate in relation to individual buying power. Simply explained: when property prices rise above what first time buyers can afford to pay the market slows down, stagnates and sometimes readjusts – but as soon as purchasing power increases again, either with a drop in interest rates or an increase in GDP, so property prices begin rising again.

And there are even ways to make money from real estate during a market downturn!

Investing in real estate for income

Depending on the nature of your home based business your monthly income may be slightly erratic – some months being better than others! If you invest in property assets in a buy-to-let or even jet-to-let capacity you can secure yourself a consistent monthly income which may afford you an added degree of financial security.

Buy-to-let is when you purchase property for rental purposes – this make be an apartment you corporate let, it could be a house you student let or even a family home you rent out long term.

Jet-to-let is similar but it involves purchasing overseas property for short term weekly or fortnightly rental to tourists. This type of letting is usually very lucrative indeed during peak holiday periods but may mean you have a property that is empty for a few months out of season.

Both types of property investment return you a regular income and at the same time the physical real estate asset will grow in value over the long term and if ever you wish to release the profits from your investment you can sell on the property and take the gains you have accrued.

Investing in real estate for profit

The alternative to building up a property portfolio for income generation purposes is purchasing property and selling it on relatively quickly to realize the gains the asset has accrued.

You can do this in a number of ways…firstly you can purchase run down property in need of renovation, tidy up the property and turn it into a home before selling it on at a higher price and reaping the profits gained.

Alternatively you could seek to beat the curve by buying into up and coming areas, waiting for prices to boom and then selling on for profit. This is quite a risky strategy for a first time investor as timing the market is hard!

An alternative to this is looking overseas for the latest emerging property markets worldwide and buying properties to renovate or properties off plan and then flipping them on for maximum gains in the short term.

Financing your investment

As a self-employed individual it can be tricky to get a mortgage unless you have audited accounts, bank references etc., etc. If you don’t have all of these requisite documents there are other options available to you.

The main options are re-mortgaging your primary residence and releasing the equity that you have accrued already for reinvestment in another property project or taking out a self-certification mortgage where you make a large down payment and basically tell the lender how much you can afford to borrow!

A winning attitude

You’ve already proved you have what it takes to succeed against the odds by establishing a profitable home based business, now apply the same steely determination to your real estate investments and you will succeed in making the maximum gains. Start small, begin gently, test the market and your understanding of it and slowly build up a profitable real estate portfolio from the profits of your home based business for maximum financial gain.

Good luck in achieving your goals.

About the author:
Rhiannon Williamson is a freelance writer whose articles about property investing and emerging real estate markets have appeared in publications around the world. She is currently working on a brand new property investment resource http://www.amberlamb.com/

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Investing In Son's Business Could Cause A Real Family Feud

by: Tim Knox

Q: My youngest son wants to borrow $5,000 to start his own business. My wife is afraid to tell him no. She thinks we should just give him the money and not expect anything in return. I disagree. He doesn't have a very good track record with money, so I'm a little worried that my investment will be lost. Should I loan him the money and hope for the best or just tell him no and hope he doesn't get too upset?

A: The first thing you need to do, Jeff, is determine if this money would be offered to your son in the form of a gift, loan or investment. The very wording of your question tells me that you have not yet made that all-important distinction.

It sounds like your wife wants to make a gift of the money, expecting nothing in return but the undying love of her last born son.

You, on the other hand, don't know if you should offer the money as a loan (should I loan him the money) or as an investment (worried that my investment will be lost).

Until you can make that distinction, your money should remain in the bank.

I have a very simple rule when it comes to loaning money to relatives: NEVER, EVER loan money to anyone you might have to sit next to at Thanksgiving dinner.

"Son, pass me that dressing and tell everybody the story of how you blew your old dad's retirement money..."

A loan from a relative is no different than a loan from a bank. You, Mr. Banker, are giving your son, Mr. Borrower, the use of your money for a specific period of time and you fully expect the loan to be paid back under specific terms, even if his business goes south. Sure, you will probably be a little more forgiving than a bank when the loan goes unpaid, but the damage to your personal relationship could be extreme and hard to repair.

In the most basic of terms if you loan your son the money you become the creditor and he becomes the debtor. Have you ever heard of a creditor and debtor having a very good relationship? Has Visa ever called you up just to ask how you're doing? Has your mortgage company ever named a kid after you? Probably not.

The same rule applies with investing in a relative's business. I have raised money for several business ventures and not once did I ever think about asking my relatives to chip in. The last thing I'd ever want to do is lose my mother's yard sale money. I'd never hear the end of it!

An investment is made with the understanding that your money is totally at risk with no guarantee of return. Even under the best of conditions an investment in any business is a gamble. You are betting your money that the business will be successful and that you will get a payback at some point in the future.

Hug your money real tight before making the investment, because if the business doesn't make it, you will never see your money again.

You and your wife also seem very worried about making your son mad, which raises another huge red flag for me. If your son isn't mature enough to take the word "no" without getting upset, he's certainly not mature enough to start and run a business. Unless that business is a bicycle paper route, and even then I wouldn't put my money on his chances of success.

The bottom line is this: if you can afford to give your son the money and can do so without attaching strings to it, then by all means give him the money and wish him well. Encourage his entrepreneurial spirit and support him as a parent should.

Do not, however, expect anything in return and never bring up the money again, especially if he's the one carving the turkey on Thanksgiving Day.

Here's to your success!

About the author:
Tim serves as the president and CEO of three successful technology companies and is the founder of DropshipWholesale.net, an online organization dedicated to the success of online and eBay entrepreneurs

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Investing in New Zealand - Learn how to Find Unique Investment Opportunities

by: Ofer Shoshani

Copyright 2005 Ofer Shoshani

Investing in New Zealand might be much easier than investing in other western countries, thank to the excellent infrastructure, the low taxes and the assistance of the supportive NZ government.

Technological Face of New Zealand

New Zealand has a unique reputation within the global market place. This country offers a complicated dichotomy – a technological savvy environment with a laid back attitude. New Zealanders are known for their ability to get things done, their wiliness to be on the cutting-edge of technology, and their friendly, welcoming attitudes. This combination comes together to form an inviting environment for investment.

New Zealand – All Wired Up

New Zealand has made aggressive steps towards encouraging investment and advance technology interests. In fact, New Zealanders are notorious for being early adopters of technology. New Zealand has one of the highest investments in information technology in proportion of GDP in the world. New Zealand may be on the other side of the world, but the aggressive technological advances make New Zealand seem like a next-door neighbor.

New Zealand has several sophisticated telecommunication access points, with companies such as AT&T, British Telecom, Bell Atlantic, Sprint Cable & Wireless and Telstra operating affiliate sites in New Zealand. In 2000, Southern Cross Cable established a sophisticated fibre optic system through out New Zealand, linking via satellite systems to San Francisco, Hawaii, Australia and Fiji. This high powered system allows the transfer of data at lightening speeds, the equivalent of two full-length motion pictures every second.

New Zealand’s Potential

Some people may not be aware of the potential of New Zealand – after all, this seemingly sleepy island is sometimes referred to as a suburb to the rest of the world. But if the potential for investment of New Zealand is overlooked, it’s a serious mistake. New Zealand offers a secure and inviting business environment. International investors are given an opportunity to invest in highly specialized industries, such as information and communications technology, wood processing, biotechnology, niche manufacturing, call centers, and screen production. With a highly educated work force, and a welcoming corporate tax rate of 33% and either little or no capital gains tax, New Zealand offers the perfect platform for business investments.

New Zealand has a proven track record for international investors – Australian investors have invested nearly 20 billion NDZ, the United Kingdom 7.3 billion NDZ, and the US 5.6 billion NDZ in New Zealand business. New Zealand’s efficient, market based economy makes business investment in New Zealand straight-forward and efficient. New Zealand offers a positive environment for international investors, giving them an opportunity to position themselves in innovative, high value research and development. In fact, New Zealand offers 100% deductibility for research and development expenses.

New Zealand government is highly supportive of international investment in the New Zealand economy and is actively working to create investment opportunities throughout New Zealand.

More on New Zealand Real Estate & Investment Opportunities could be found at http://nzpassport.com/artman/publish/cat_index_48.shtml

About the author:
Ofer Shoshani has been working for the last 5 years as a professional journalist, writing about finance, economy, travel and lifestyle. During these years he lived and wrote from Spain, Colombia, Venezuela, Peru, Ecuador, USA, Israel, India & Thailand. More of his work could be found at

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International Investment In Bulgaria Still Strong

by: Tim Wright

The strong growth in the Bulgarian economy is continuing and this is emphasised by the confidence in the market shown by companies such as GE for example.

GE Commercial Finance Real Estate recently announced it will be acquiring a 50% stake of the Mall of Sofia. The Mall is an enormous trade, business and entertainment centre currently under construction in the heart of the capital city.

The acquisition is costing approximately EUR 37M and was made by a consortium of GE Commercial Finance Real Estate and Quinlan Private.

This investment can only encourage the current growing trend in the Bulgarian property market and indicates GE's intentions to expand to the countries in Central and Eastern Europe.

Copenhagen Airports has announced it will increase their planned investments in Bulgaria's Varna and Burgas airports from EUR 106M to EUR 140M by the end of 2008. The added investment is been used to bring the airport and its facilities up to date and to deal with the constantly increasing passenger traffic.

A corporate analysis on the airports of Varna and Burgas shows that unless urgent reforms are implemented at both facilities, the airports may see a decrease in expected traffic as soon as next season.

Tour operators are likely to redirect tourists to alternative destinations due to insufficient quality of services and this would have a knock-on effect for hotels with poor bed occupancy and a possible slowdown in the overall economic development of the region. Bulgaria's top three airports at Sofia, Varna and Burgas have seen a 20% increase in passenger traffic.

New European low cost air-carrier Wizz Air has completed its first flight with destination Sofia.

Tickets for the flight started selling in Bulgaria three moths before, and 155 passengers were on board for the new beginning.

Wizz Air is now flying the Sofia-Budapest Route four times a week, and is looking to expand the number of flights out of other Bulgarian airports and increase the destination sites throughout Europe, focusing on the markets of Central and Eastern Europe. The airline took off at the end of May from the southern Polish city of Katowice, initially flying to Budapest, London's Luton airport, Rome, Milan, Venice and Berlin.

In closing, the above investments in the real estate sector, infrastructure and travel reflect the growing confidence in the future of Bulgaria as a major player in the region and move the country closer to expected EU integration in 2007.

About the author:
Tim Wright is an international property investor and is author of "Bulgarian Property - The Overseas Buyers' Kit available at

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Industrial Income Property Financing

by: Cameron Brown

Welcome to the third and final segment of a three-part series about income property. In this segment we will be discussing financing options for industrial income properties as well as the upside (and downside) of owning this type of property.

Financial Concerns

Of the three types of income property, industrial property requires the greatest degree of technical expertise and experience. Likewise, financing the acquisition of an industrial income property can be, at best, very risky without adequate planning and know-how.

The first thing to consider is what kind of industrial application the building will be used for. Not all lenders will fund the purchase of all types of industrial income property types. For example, funding the purchase of industrial real estate to be used for petroleum refining is a risky investment for many lenders. Make sure your lender is able to support your income property goals.

LTV rates for most industrial income property loans run at a maximum of 75%, so plan on having a nice pile of investment capital on hand. Industrial loan interest rates can also be a little higher than for other income property types-usually between 5.6% and 7.5%. The 20-year term that comes with most industrial income property loans is fairly typical.

Managerial Concerns

Because of the nature of manufacturing facilities, liability becomes much more important than in residential or commercial income properties. Securing the proper type and amount of insurance can help mitigate much of the risk you will take on after you lease your industrial facility.

While industrial income property comes with certain risks and challenges, it lacks to a large extent, the oft-times inconvenient nature of residential income property management. Don’t expect any late night calls concerning overflowing toilets or broken stoves. Much of the time, the company leasing your property is obligated under contract to handle typical repairs and maintenance to the facility or equipment.

Unlike commercial and (especially) residential tenants, industrial tenants usually intend to lease your facility indefinitely, or until they either liquidate or their operations outgrow your building. This is good news because you are virtually guaranteed cash inflow for the duration of your income property investment.

Conclusion

In the final analysis, investing in industrial income property requires a lot more time, money, and prior experience than it’s commercial or residential counterparts. For investors with the right skills and financial backing, however, the payout can be much more rewarding than any other income property investment.

About the author:
Cameron Brown is an internet marketer specializing in investment property. For more information about residential income property, please visit Security National Capital.

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IndiaStockMarket.com Presents “Twenty six blue-chip companies in India”

by: dawn van zant

For Immediate Release
Date: November 10, 2004

IndiaStockMarket.com Presents “Twenty six blue-chip companies in India” - an exclusive feature by well known market analyst Dr. Udaylal Pai.

POINT ROBERTS, Wash., November 10, 2004 – www.IndiaStockMarket.com, a global investor portal about the Indian stock and investing sector, is pleased to provide investors an exclusive report on India’s Stock Markets. The article features twenty six Indian blue-chip companies, with a brief overview of each. The report was prepared by Dr.Udaylal Pai, a journalist, market analyst, and author, with twenty years of experience in covering business issues in India for international publications.

As interest in the Indian markets increases, the new portal plans to keep investors informed regularly, with content created at the source but with a North American perspective.
InvestorIdeas and ISM are not affiliated or compensated by the companies mentioned in this article. Companies interested in becoming a featured company on this portal please contact us for a proposal.

Report Excerpt: “Twenty six blue-chip companies in India.”

Hero Honda - Racing Ahead

(HHML), the largest manufacturer of motorcycles in the world, is a joint venture promoted by Hero Cycles (P) Limited and Honda Motor Company of Japan. The company is the market leader in the motorcycle segment with a 44% market share in FY03 (50% in FY02). The company is also the largest producer of motorcycles among all Honda companies in the world. Splendor is the single largest selling two-wheeler model worldwide. Hero Honda's main characteristics are its four-stroke engine technology; fuel efficiency and low exhaust pollution levels. It exports to around 31 countries including Sri Lanka, Africa, west Asia, Bermuda, Zaire, and Paraguay.

The Indian two wheeler sector is the largest in terms of volumes (70%) among all the segments in the automobile industry. The segment can be further categorized into three main sub-segments - scooters, motorcycles and mopeds. With strong brand equity of its fuel-efficient vehicles, a wide range of motorcycles, and backing of the global leader Honda, HHML is well placed in the sector.

Asian Paints - Painting the world red

Asian Paints are the market leader in India’s paint industry with a commanding market share of about 39% in the organized segment. It is among the top ten players in the decorative segment in the world! Asian Paints has also undertaken overseas acquisitions which has transformed it into India’s premier multi-national paint company.

Apart from the domestic market, the company has expanded its presence in the international arena through acquisitions in the recent past (operates in about 22 countries). On a consolidated basis, 73% of revenues comes from domestic paints markets, 21% comes from international business and remaining 7% from chemicals business.

Asian Paints is positioned to benefit from the housing construction boom in the country. The company has presence in both Decorative and Industrial Coating segment of the Paint business. Both this segment constitutes 92% of the topline of APIL.

BPCL - Leading player in Gas

Bharat Petroleum Corporation (BPCL) has made rapid strides and emerged as one of India’s leading petroleum majors alongside its public sector units.

(PSU) peers such as HPCL and IOCL. The company’s current refining capacity stands at 8.5 MTPA and is expected to increase to 12 MTPA by FY05. Its two subsidiaries Numaligarh and Kochi Refinery increase the combined capacity to 19 MTPA. BPCL`s network includes 4,850 retail outlets and 1,800 LPG distributors. It plans to enter exploration in next three years and is known for its pro-activeness.

Full article: http://www.indiastockmarket.com/ISM/Article/Blue-Chip.asp

Disclaimer: ECON Investor Relations Inc is the owner of this domain.

ECON is a privately owned corporate communications company specializing in: investor relations, media relations, and research on public companies and industry sectors; for the investment community. Nothing on our sites should be construed as an offer or solicitation to buy or sell any specific products or securities. All investments involve risk. Past performance does not guarantee future results, therefor investigate before you invest! Although we attempt to research thoroughly, we offer no guarantees as to the accuracy of any information presented. We encourage all investors to use our sites only as a resource to further their own research.

The site is compensated by its "Featured Companies, as outlined in our on-line disclaimer at: www.InvestorIdeas.com/About/Disclaimer.asp

Contact:
Dawn Van Zant / Trevor Ruehs
dvanzant@investorideas.com, truehs@investorideas.com

Toll free: 800-665-0411

About the author:
ECON is a privately owned corporate communications company specializing in: investor relations, media relations, and research on public companies and industry sectors; for the investment community. Nothing on our sites should be construed as an offer or solicitation to buy or sell any specific products or securities. All investments involve risk. Past performance does not guarantee future results, therefor investigate before you invest! Although we attempt to research thoroughly, we offer no guarantees as to the accuracy of any information presented. We encourage all investors to use our sites only as a resource to further their own research.

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Invest Now for Dividends Later

by: Charles Kassotis

No matter what age you are or even your level of employment or economic position, it may be a good idea to start preparing now, even in a meager way, for eventual financial security. Some people feel they need every dollar they make to get by from one paycheck to the next. While this may be true for some, there are others who squander significant sums on insignificant things. They could be socking that money away into an investment account that, over time, could lead to huge savings and a comfortable retirement.

It isn’t hard to get started. All you need is $100 to $500 to open an account, and anywhere from $25 to $50 monthly to continue building your stock or mutual fund portfolio. In fact, a young person aged 20 could deposit $2,000 and then not another dime. In forty years he or she might have tens of thousands of dollars. The stock market has followed fairly predictable patterns since its inception in the 1800s in New York City. Although historic events like the Great Depression and several global wars have impacted its activity, the gains and losses remain fairly consistent, with most investors earning a predictable return on their investment.

Of course, no one can predict what the future holds, or whether the pattern will continue. And none of us should invest more money than we can afford to lose—just in case the world economy crashes one of these days. But with steady deposits that continue to compound and earn interest over time, a sensible and prudent investor can substantially increase the amount of money going for retirement or a dream vacation at some future point.

If you are thinking about opening an investment account, do a little online browsing for more information. Visit sites like E-trade or Scott’s Trades to see how the process works. Start reading your newspaper’s financial pages for details about the latest stock prices and market trends. Do a little paper trading by following the daily stock news. Instead of actually purchasing stock, however, work it out on a piece of paper by pretending to buy a certain amount of stock for the specified price and then watching to see how it performs over the following week. Chart your gains or losses to figure out whether your stock deal was successful. If you do this for several months, you will soon learn to understand more about the stock market and how to buy and sell like the pros.

Even if your budget is tight, try to set aside a little money to open an investment account from any windfalls that come your way from job bonuses, inheritances, or cash gifts. Some people set aside their annual job raise, or part of it, as part of their investment strategy. Then, as your budget becomes looser with paid-off bills or grown-up kids, you may be able to start having a standard monthly amount deducted automatically from your paycheck and deposited into your investment account. This could take the form of a Roth IRA (individual retirement account), a money market fund, a mutual fund portfolio, or individual stock shares.

It probably is a good idea to take an investment class at the community college or sign up for a financial planning seminar. Success may be just a few years away if you start now and plan right.

About the author:
You can find more great investment information at

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Investing In Son's Business Could Cause A Real Family Feud

Investing in New Zealand - Learn how to Find Unique Investment Opportunities

International Investment In Bulgaria Still Strong

Industrial Income Property Financing

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