Five Key Principles To Real Estate Investment Riches

Real Estate Investing is the craze today with people involved in the Carlton Sheets program spending money on courses to find out how they can make money in no money down real estate investing. This article hopes to help you create some sort of mental picture of five key principles that can help you make more money with real estate today.

Principle #1- The money is made in the purchase
Real estate investing is like value investing in stocks and you want to purchase the real estate during a period of a real estate slump. The reason for this is so that you can get a huge capital appreciation when the real estate market heats up again.

Spending time doing real estate valuation is critical since if you cannot satisfy yourself on the maths that is a viable proposition, there is no way that your real estate investment would be a good one.

Principle #2- Monitor Cash flow
Real Estate investment typically have a monthly rental income which then is used to pay for mortgage instalments and other problems with the building like a roof leak. You would thus have to keep a close watch on interest rate hikes since they can potentially erode any calculated return on investment quite quickly. Once you have enough cash coming in, it is suggested that you then keep some of it in a rainy day fund in case some of the rental tenants do not renew their property and then take the rest and consider investing in another real estate investment property.

Principle #3- Leverage on other people’s time
Remember that no one can do everything, so the key is to focus on what you do best. If your strength is in negotiating deals, spend time looking for property and then get professionals and contractors to handle all the rest of the deal for you. Similarly, if you are good at decorating property, then find deals and focus on the interior design of the property. By focusing on what you do best and getting other people to do the rest of the work, you are leveraging on their time and you can then make more money from each new real estate investment that you undertake. Spend your time to build your team of advisors and employees who work for you and you will see your profits start going up. Remember that by rewarding them financially, you will get a group of dedicated people helping you make more money from your real estate investment.

Principle #4- Learn how to use leverage with a good rainy day cash balance
Did you know that many real estate investors started off with very little money to invest? Even large real estate developers like Donald Trump have learnt the power of leverage when investing in property deals. You want to leverage as much as you can so that you can control property worth many times more than what you own. Remember however to keep a rainy day fund containing a portion of the rental payments so that you can hedge yourself against a possible period where unit occupancy of your real estate investment is low. Leverage when used well can make you lots of money but if managed badly, will bankrupt you. Thus planning your cash flow and learning how to use debt is critical before you start serious real estate investment.

Principle #5- Spend time networking with real estate professionals
Do you want the latest real estate investment deals? The best way to learn of them is to break into the local real estate professional group and make friends with them. Learn some real estate investment lingo and spend time making friends with them because they are your eyes and ears on the ground and they can tell you about recent developments and changes in rental, property and infrastructure of their geographical location. Having the first player advantage is what many large real estate investors have and by spending time to network with real estate brokers, you will substantially close the gap.

In conclusion, spend time looking at these five principles and determine how they can be applied to your real estate investment and you might start seeing an increase in your real estate income.

Financial Planning – The Key To Your Lifelong Success

Financial planning is not limited to asset allocation, mutual funds, and fixed-income investments – planning should include every aspect of your life.

Should you apply for that credit card? What type of car insurance should you buy? Should we save for our child’s college or put money in our IRA’s instead? These and many more questions are all part of financial planning.

The Larry Rule – A Little Known Financial Planning Fact

Larry Lindsey is not a famous name, even in financial circles. Currently, Mr. Lindsey is the chief economic advisor to the Bush Administration. In 1996, he was a Federal Reserve Board Governor – and he was denied for a Toys ‘R Us credit card!

To apply or not to apply, that is the planning question. Larry Lindsey, who had excellent credit and a high-income level, set out to demonstrate a flaw in credit scoring algorithms.

He simply applied for every retail store credit card he was offered, and in no time he had “too many inquiries.” Never mind the fact that he had millions in assets and nary a late payment in his 30-year credit history.

Knowing the Larry Rule is key to your financial planning. If you apply for retail store credit cards every time you are asked to do so, it will have negative effects on your credit.

You may then be asked to pay a higher interest rate on your mortgage or home equity loan, which could cost you tens of thousands of dollars. Sacrificing $10,000 for a 10 percent discount at Fashion Bug is not smart planning!

Auto Insurance and Financial Planning

Most people think of insurance as a legal necessity, but in reality, it is a financial product, and that’s important to keep in mind. Don’t ever buy insurance just because it’s legally required or in order to give yourself peace of mind. Insurance must serve a financial planning purpose!

You need to have a planning strategy in mind when you purchase auto insurance. The insurance company’s goal is to get you to pay more in premiums than you take out in claims – thus, they profit.

Your goal should to pay as little in premiums as possible in order to be adequately covered. You don’t want to have to use your auto insurance, but at the same time, you don’t want to be subsidizing the bad drivers who take out more in claims than they pay in.

In order to develop a financial planning strategy for auto insurance, it’s important that you become as educated as possible on the subject. Luckily, there are dozens of great sites on the internet that provide free information on the various types of auto insurance plans, and the particular laws of your state.

Everyone has to own some form of auto insurance, and thus it should be the cornerstone of any intelligent planning strategy.

The Financial Planning Dilemma – College vs. Retirement

American parents love their children and will do almost anything to ensure they have every possible advantage. As a result, many parents save for their children’s college instead of saving for their own retirement. This act of selflessness is usually not a good planning strategy.

In order to avoid this mistake, one must have a decent understanding of financial planning tax implications. Most college savings accounts are taxed on some level, whereas financial planning products for retirement purposes generally are not. What’s more, saving for your child’s college can prevent him or her from receiving the maximum financial aid available.

In other words, by foregoing your retirement in favor of your child’s college, you are actually subsidizing the children of less responsible parents – or smarter parents who chose to save for their own retirement, in light of these facts.

Trade Video Games Online

If you are one of the millions of people who love to play video games but cannot afford to buy all the games you want, there are now websites that offer cheap video games through innovative trading systems. These sites allow you to trade video games that you bought and are tired of playing for video games that you want. The best trading sites also verify the games to determine that they actually work, and most of these sites have affordable fees for helping you trade your games.

Video games are not cheap and buying all of them is impossible. You need money and you need time to play them. There are countless video games with new games or new versions of popular games always being released. The only extremely cheap video games you can find are usually pirated which means they are counterfeit and in violation of copyright laws. Sometimes you can find cheap video games at yard sales or through auction sites, but no one guarantees that they are actually working. Consequently, the best way to get cheap working video games is to find a trading store online or visit your local game retailer which may not have a good selection. Also, when you trade video games there are usually terms and conditions you must agree to in order to protect yourself and the retailer.

If you live in a big city you should be able to find a store and trade your games there. However the odds of finding the video game you want online is much greater because the community of traders is much larger on the more popular sites. A website that offers this kind of services will usually have a reasonable fee you have to pay for each game you trade. The trading system is usually fairly simple and intuitive.

First of all you need to set up an account, choose a user name and a password. Then you create a list of the games you own and want to trade. The next step is finding the game you want. Both lists are saved in your account and can be updated on a regular basis. To find available games that you can trade you simply check the list of the available to trade video games. When a game you want becomes available you will be notified. Similarly, when someone wants a game that you own you will also be notified.

Trading games is made easy with the help of the latest incarnation of online trading sites. They do the hard part for you by checking the games that are traded though their system to ensure that they work properly and are the requested game. Once you trade a game the video game is yours and as soon as you are tired of it you can place it on your have list and trade it for another video game. This way you are able to stretch your video game dollars to the limit.

The other benefit of trading games online is that you keep only your favorite video games and trade the rest. In comparison, when you rent a video game you have to pay for renting it for a certain period of time. You can only rent a few games at once and the newer the game the shorter the period you can keep it. Also if you do not return the games in time you have to pay additional fees and you end up spending more than you anticipated. When you trade, you pay the same fee for every game no matter when the game was released or how long you keep it.

Chicago’s Magnificent Miracle Mile The Hottest Commercial Real Estate In The Midwest

Can you afford commercial real estate on the Chicago Magnificent Mile? If you can, your business will be in good company, and you can make a lot of money!

A festival of restaurant dining, theater and jazz experiences, shopping, hotels and entertainment, Chicago’s Magnificent Mile is abuzz with activity from Spring through Fall, and those merchants and commercial vendors who are lucky and wealthy enough to rent space in Chicago’s most productive real estate market, are the fortunate recipients of some pretty hefty income.

The Magnificent Mile stretches from Randolph Street to North Avenue and from Lake Michigan to the North Branch Canal, and it is Chicago’s most expensive commercial real estate.

The landscape is flush with fancy hotels including the Inter-Continental, the Ritz-Carlton, Hilton, Omni, Le Meridian, Hyatt, Wyndham, the Westin, the famous Whitehall and many other world-renowned hotels share this prestigious real estate, and the Greater North Michigan Avenue Association manages the business district.

Within this precious Chicago real estate, street festivals, garden shows, food festivals and other events are planned, all to bring local residents and tourists to spend their entertainment dollars.

Along this stretch of expensive real estate you can also find posh, formal restaurants like Les Nomades, and NoMi intriguing international restaurants where you can find Brazilian, East Indian, French, Italian and cuisines from many countries around the world.

The Chicago Shakespeare Company is also in residence in the Magnificent Mile of Chicago Real Estate, as are a number of jazz clubs and galleries like Kenneth Probst, Peter Bartlow and R.S. Johnson, selling fine art, antiquities and much more.

Water Tower Place, the Shops at North Bridge, Chicago Place and the North Michigan Shops also offer commercial real estate opportunities in well-advertised storefronts, malls and real estate centers.

If you are looking for commercial real estate in this area of Chicago, be sure you employ a reputable broker. Rents are high and real estate is precious. Options to extend commercial leases and expansion options to take on more space will come at a premium in this real estate market.

Upscale brokers like Gordon McAdam, Property Management companies like Zeller, and Executive Suite brokers like AMATA deal in finding and leasing commercial real estate and space to businesses in this area.

If you are looking for Chicago real estate on the Magnificent Mile, be sure you find a company that will work with you to assess your square footage requirements, and do an office or building search that will take into consideration the ideal location for your type of business.

These companies can also help you analyze the commercial lease you will be asked to sign and negotiate more favorable terms. Some have partners that offer architectural and build-out services for your real estate needs, and even move-in and utility hook-up services.

If you DO rent commercial real estate along the prestigious Magnificent Mile in Chicago, make the most of your network by joining the Greater North Michigan Avenue Association. Membership in this business and real estate district association provides you the opportunity to participate in business-to-business marketing activities and to have your logo and business identify advertised and promoted in the Magnificent Mile events and activities.

The Board of Director’s for this Chicago real estate business district and association always includes prestigious hotel managers and business managers for large commercial vendors like Neiman-Marcus, as well as business district and service vendors who provide the local transportation. These are good people to know if you want to promote your business.

Get to know the individuals who share this small square of real estate with you and leverage their connections to help you make more money and pay that steep rent bill every month.

Per square mile, this patch of Chicago real estate will produce more income for your business, but it will cost you a pretty penny to house your business here.

If you want to consider Chicago real estate with a slightly less onerous price tag, you can consider real estate in the Riverfront area, which is very near the Magnificent Mile and attracts lots of tourists. There are lots of events there and the overflow of shoppers and tourists from the Magnificent Mile is a definite advantage to renting commercial real estate in the area.

Dublin: A Nirvana For Folk Music Fans

Dublin is often referred to as the party capital of Europe; full of pubs, clubs and Irishmen extolling the virtues of ‘the craic’. One thing you will find in abundance in the Irish capital is traditional folk music and you certainly won’t have to travel very far around the streets of Dublin to find a place to have a jig and a swig!

Whelan’s in Camden Street, central Dublin is the place to visit for traditional and folk music. This exciting venue has had most of Ireland’s folk talent perform on its stage at some point. Just a stone’s throw away, also in Camden Street, is The Village another vibrant music venue, that’s well worth a visit.

Vicar Street – despite its confusing name – is not a street but a fabulous traditional music venue and can be found in Thomas Street in the heart of Dublin. This prestigious venue opened in 1998 promising to give Dublin a mid-size venue that would ‘punch above its weight’. It presents bands and solo artists that play all types and genres of music including traditional and folk, with big-name Irish bands such as the Dubliners appearing at this venue. Other artists that are slated to appear at Vicar Street include Dara O’Briain, Fionn Regan and Brendan Grace proving that it is living up to its promise to deliver quality acts.

Plus, you’ll find many more places where you can enjoy traditional folk music at most times of day or night. Bars, cafes and hotels in Dublin are all places where you can find Irish Folk Music being performed by eager and talented local musicians. Plus, you’ll be able to enjoy just about any other genre of music in Dublin that takes your fancy, from rock to classical. So, if you are planning to visit Dublin, or just toying with the idea, make sure that you are prepared for ‘the craic’!

And if you are in any doubt as to how much the Irish love their music, take note of the following example. The Irish Post Office has recently started selling a series of stamps that pay tribute to four iconic bands whose roots are based in traditional Irish folk music; The Chieftans, The Dubliners, the Clancy Brothers and Tommy Makem, and Altan. The bands have been chosen because of the success they have had in taking traditional Irish folk music to the world. The inclusion of Tommy Makem is quite poignant as he recently passed away, and these stamps make a fitting tribute to his life-time contribution to making Irish music popular throughout the United States. They are sure to become collectors’ items, so be sure to pick some up when you visit Dublin.

How Airport Parking And Airport Hotels Make Travelling Easier In Gatwick?

Besides the businesses are growing and they can no longer survive being localized. Thus for various conferences, events, trade fairs etc even corporate engage in air travel etc. The massive increase in air travel has also led to the increase in the utilization of the services offered by Gatwick Airport Parking and Gatwick Airport Hotels. The use of same offers great savings in the budget and makes available to you superior services.

Gatwick airport parking is a smart decision if you are driving yourself to the airport. Besides international flights may have very inconvenient timings. If in case you have an early morning flight, why not start your vacations a night earlier? Instead of driving yourself to the airport at odd hours, drive in by the night, park your car in the safe Gatwick Airport Parking and then possibly go and relax in the Gatwick Airport Hotels. This way there will be no pressure to get up early else you’ll miss the flight. Wake up at your convenience and then simple board the flight.

You should also consider this if you are travelling from a far off location. Gatwick, in case you are not aware of, is the second busiest airport in London. Thus you can’t predict the traffic conditions and etc. Thus instead of being in rush, drive in early, park your vehicle in the Gatwick Airport Parking, relax in the Gatwick Airport Hotels and calmly board your flight on its scheduled time.

Gatwick airport parking services are very beneficial for you. You not only have the freedom to book in advance and online, but Gatwick Airport services provides you with chauffeur services, a meet and greet service, short-term parking, long-term parking and now even a hotel and parking option.

Besides as against to the widespread misconception that Gatwick Airport Parking is expensive and he indulgence of riches, it is in fact very affordable. Further you may also book the same sitting online and enjoy heavy discounts on the total costs, sometimes up to 60% and beyond.

And you receive responsible services at Gatwick Airport Parking. You may use the service for a short period of time or long, depending upon your need, but be assured that your vehicle will be kept safe and secure. So you may go on and enjoy the vacation or the business trip, while your vehicle will be continuously monitored, reassuring safety of it.

In case you are a little clumsy with car parking and can’t remember where you parked it and it causes a wee bit of a mess, you may also access the meet and greet services provided by Gatwick Airport parking. With the meet and greet service, you have the liberty to drive up till the terminal of the airport. There you’ll meet the driver who will carefully take the car from your and will park it in the parking area. Once when you arrive back, the driver will bring your car back to you. And don’t worry; they are all trained to do this.

How To Find The Best Free Online Games

Online games are very interesting to play. When they are available for free, no one can resist playing them. Many people encounter the problem of finding sources for the best free online games. Even so, it is not very tough. Those who regularly play online games don’t have a problem finding interesting and suitable games.

There are free online games available on almost every game website. Certain websites are especially geared towards the game maniacs, and on these websites, many can easily log in and search for their favorite games. If you are looking for a specific game, you can type the name of the game in the search box, and then you will have it right in front of you. For example, if you are interested in a special kind of game, like war games, simply click on that option, or type “war games” in the search box. All of these sources for the best free online games are loaded with games for all kinds of players from kids to adults.

There are even certain websites particularly designed that specially serve specific groups of players. For kids of a very young age, the games have a very colorful design, and they rules are not difficult to follow. There is usually less competition and stress involved with these games.

The sources for the best free online games for teenagers and adults will tend to have games that are more complex, romantic in nature, fast, and tricky. There is more alertness required of the players of these games. Some of these online games charge for playing, while some of them are completely free. Therefore, one should keep in mind that it is a benefit to be able to play these games without spending a penny. The sources for free online games are visited and used the most.

You can find a variety of websites that are regarded the best websites for buying and selling video and computer games. On some of these websites, you can find things that are generally related to video games. They offer video game based greeting cards, video games wallpaper, and other things. There are many free online games that are available, and they can be shooting games, adventure games, sports, animated games, 3D games, cool games, hot games, fast games, flashing games, dragon games, war games, street racer, make up games, fear factor games, heart breaker games and more. Accessing these games is simple. All it takes is one click of a mouse.

How Personal Finance Works

The concept of personal finance came a long way and it began when money were exchanged for goods. People got jobs in order to make a living and they were compensated in cash. Nowadays, due to the several financial alternatives that we have at our disposal in order to achieve our financial goals, it is vital to become an expert in making the right choices.

Personal Finance management begins most of the times with handling pocket money when we are children and afterwards we gain the ability of planning and spending our finances. Personal Finance includes several different aspects such as investments for future requirements, retirement plans and others. No matter how much money you have, the important issue is how you spend them. A detailed budget will always help you keep a track of your money and not spend more than is necessary. Furthermore, it will help you calculate how much money you can save and what amount you can invest.

Personal Finance is of real help as long as you have a realistic plan when it comes to handling your money. A good management of your finances includes investing, insurance, managing risk, understanding debt and credit and knowing the value of money. Debt can be bad for your finances especially if you borrow more than you can afford to return. Unfortunately, this happens quite often because many persons don’t calculate how much they can pay on a monthly basis for their loan, taking into consideration and the other expenses.

Personal Finance management should also include expenses for housing, transportation, food, personal insurance and pensions, healthcare and entertainment. If you see that you are accumulating more and more debts and you are not able to pay your debts on a regular basis, it is probably a good idea to budget your money. However, if you feel like you aren’t able to do that, a last option would be to hire a financial planner who can help you get out of this mess.

Money Tips represent another useful idea that could help you manage your finances better and become satisfied with your style of life. Some persons need such tips more than others ad it has been proven than women often have a hard time when it comes to establishing their budget. Many women spend more than they actually earn and they become trapped in debts, but fortunately this can change.

Money Tips are important and they can help us overcome a difficult financial situation. It is believed that money represents power, love or control and that our beliefs about money and relationships influence the way we manage our finances. Money Tips can be very helpful for people who are in a difficult financial situation and here is a list of the most important tips: don’t rely on others for your financial security, set goals and stick to them, don’t use money when you feel bad, spend less than you earn, build an emergency fund and learn from your money mistakes.

Money Tips will help you understand that your financial security and comfort depends on your attitudes regarding money and your willingness to take action in order to change your financial situation. Do not wait for miracles if you want things to start changing and no matter how hard it is, stick to the goals you set at the very beginning.

Gender, Sexuality And Religion

Gender and sexuality have been issues that are in discussion for sometimes now. Gender all around the world in every religion regards to some important discrimination that has been made. God is not gender bound as His role to us as human beings is like a father and a mother. The two sexes were created when he created this world, male and female. The sex is another biggest creation of God when he chose the two male and female to love and show their feelings.
Gender discrimination is an issue in all the religions and predefined rules are determined to the role of each. The male is the dominant part of the family including the females. Females are supposed to be the generation builder for the families. In the contemporary periods, the definition of all these issues has been changed. In various religions like Jews and Christians various modern ideas have been generated which have made the woman if this age to be lot more rights that were supposed to be practiced by them. According to the religion, the relation between male and female is the god gifted and provides you with the experience of love. Even in Christians the gender issues are highly distinguishable from all the issues and their importance was determined at the times when the holy books were written.
Gender is a necessary object for evolving. The human generation only evolve when the male and female get together to experience sex. Nowadays, in American society comprising on most of the Christians, the role of females is pretty much changed. The teachings of Jesus have not been followed in this time. Where the females are free to occupy any place they want. Also the respect that is given to the females is long gone in this modern society. The government seems to support the rights of females but that has made the females to leave their duty of generation. The sex was considered to be a sin in the long gone ages when the teachings of Jesus were followed strictly. The one committed this sin was subjected to various punishments. But now in this American society, sex is very common. Not in America only, in all the parts of the world where Christians live, they don’t feel it as a sin but look at this as their right of freedom that has been given to them by the governments.
The females are not secured in this society as well. We are looking at various attempts of rape going on in the country. That is the reaction of the relaxations that have been given to the people upon the practice of their religion.
Another important factor in the gender issues related in the Christians is the homosexuality. This issue is a hype issue that has gained popularity in recent years. Church prohibited this act as the biggest sin of the humanity to have same sex, but we are looking at the people who are committing this sin and there is no stoppage on them because of the freedom of choice that has been given to them.

Commercial Van Insurance Explained

Van Insurance Groups work in similarly as Car and Motorcycle Insurance Groups – and it is these that the Insurance Industry usage to

determine the classification of your non-commercial or business car.Cheapest Van

Insurance With Insurance boost by over 22 percent in 2010/2011 – it is no surprise to learn that numerous otherwise the

majority of car producers are searching for means to lower the Van Insurance Group classifications, to get their automobile much more

affordable in this challenging monetary market.

With Vans and Commercial Vehicles alike, the Insurance Categories provided to the manufacturers is established by the ABI (Association of

British Insurers) and Thatcham – the protection accreditation specialists.Cheapest Van

Insurance Group Unlike motorcycles and vehicles, the modest van has an overview just insurance ranking as a result of

the quantity of uses which business cars can be utilized for. Despite the fact that this is one-of-a-kind to the business vehicle industry, it

likewise passes on to vehicles and bikes where the usage is categorized “for business use.”.