Property Investment Vs Property Speculation

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Most people get Real Estate wrong for two simple reasons.:

1. They don’t understand the difference between an asset and a liability
2. They don’t understand the difference between investing and speculating

The broke majority live under the misguided belief that their family home is an asset. An asset by definition is Something valuable that an entity owns, benefits from or has use of, in generating income. The key is the words generating income. By that definition your home is not an asset, it is a liability. It does not generate income, it costs you money.

The broke majority will borrow as much as they possibly can, to buy the most expensive home they can afford, in the mistaken belief that this is a good investment. In fact they are are burdening themselves with the worst kind of debt. Long term, expensive, non-deductible debt that produces no income in return. The same kind of debt that lead to the housing collapse in the USA.

Successful investors understand this crucial point. Your home is not an investment.

The Business Dictionary defines an investment as Money committed or property acquired for future income. Now some will argue that an investment doesn’t have to produce an income and cite as an example gold bullion, collectibles or share futures contracts. By definition, none of these are investments, they are items of speculation. They can go up in value or, just as easily, go down. You are speculating on the future trade-able value, not investing in the inherent value of the income an asset represents. Tens of thousands of homeowners around the world discovered in 2009 that home values can fall and can fall dramatically and disastrously.

If you buy a house to live in with no income return expected from it, but in the hope it will increase in value, you are speculating not Investing.

If you buy a house to rent out, you are investing. The Australian government has long recognised the difference and that is why they allow you to claim the expenses relating to a rental property, including interest payments, as a tax deduction but do not allow any deductions for expenses incurred in buying a house to live in. In other words, the government is willing to share the risk of investing in income generating real estate because the risks are lower than tying up your money in your home.

Smart investors have a small or no mortgage on their own home and the majority of their borrowings are for rental property because that is the lowest risk strategy. They also get the best advice they can on quickly reducing the mortgage on their home.

Lucrative Investments in Low Cost Housing – Build Apartments to Build Wealth

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Are you looking for methods to invest in your future? Need cash to cushion your retirement expenses? 1 fantastic method to create for the future is usually to build nowadays. Lucrative investments in low cost housing will normally be part of a superb investment package. People are normally going to have to have a place to live, and good apartments built to last and kept up via the years are usually going to provide you with a great return in your income.

There’s normally land to be had, persons say there is a population challenge, that soon there might be no location for new homes, no new frontiers. But all you have to do is usually to take a driving tour. How quite a few vacant locations did you discover, how quite a few acres of land did you obtain that go on and on with no sign of life anyplace?

Once you are searching for your land, keep in mind the folks who reside in the area and what their requirements could be. For instance, if you live in a college region, you may usually uncover teachers and young couples who are looking for semi permanent housing. Pick out an region convenient to the college, inside walking distance is greatest, but within fifteen miles is very good. Possibly you’ve a best location nevertheless it has old buildings on it which is ok, you could tear them down. You just choose to do some research to see what the cost could be. Apartments can provide you with rent to pay your mortgage on the property with some left over to invest. You collect rent on those properties, providing earnings for years to come.

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Feng Shui And Numbers

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Chinese who believe in Feng Shui are extremely superstitious about the figures they choose as their telephone number, house number, car number and the like. The categorization of some numbers as lucky and some as unlucky depends on the way they sound when spoken. For instance, in western numbers -eleven’ sounds like -heaven’ or number -eight’ sounds like -weight’ or number -one’ sounds like -son’.

Numbers considered unlucky by the Chinese: Number 4 (pronounced as Sei) is known to be a bad number because in Cantonese it sounds like the word -death’. Number 13 is unlucky because it adds up to 4. Apart from this, number 24 and 104 are also unlucky for the same reason.

Numbers considered lucky Numbers such as 108, 168, 99, 88, 84, 80, 68, 54, 48, 38, 28, 18, 8, are all good numbers. The main reason why 8 is lucky because if you pronounce the word (patt) it sounds like “faat” which denotes “prosperity and abundance”

Consequences of some lucky numbers and combinations:
289: Long-term prosperity
5: myself, me
518: I will flourish
5189: I will flourish for a very long time
516289: I will tread a long, smooth wealthy road
5918: I will prosper soon
6: smooth and easy
7: together
8: prosperity or sudden fortune

The cure If you have a house or businesses with 4 or 13, then just draw a circle around that number. The circle is tremendously powerful and captures the ill-fated effects of the negative number. There are two ways of doing it, one way is to go to the local hardware store and find a ceramic door number that can be customized with a circle. However, if you cannot afford to shelve out too much money then a simpler method is to simply go out and make a circle around the number. Also note, if you live or work at a place that has an unlucky number but is outside of China, consider how that number sounds in the native language of that particular country. How seriously should one take numbers? If you’re still looking for a house, office or car number then make sure you comply with the norms set by fengshui. However, if you already have bought one with number 4 or 13, don’t worry too much, just use the cure provided above or consider changing the number to a name like “rose cottage” -your company name- etc.

Numbers in Feng shui plays an important role, believers of fengshui always follow the number guide provided Chinese astrology . For more information on Fenghui and related topics please visit www.vaastshaastra.com

Lodha Casa Rio Gold Among The India’s Top Residential Apartment

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Lodha Group the well recognized group in the real estate sector especially from the last few years. Now a day, if Lodha group launches any residential apartment or flats it automatically becomes the hot housing project in Mumbai. Mumbai sale regarding the residential apartments has increased in January 2013 and for this Lodha Builders are main solely responsible for the residential sale. Lodha has out competed all its rivals in recent past regarding the housing facility. Lodha builders are the second largest residential housing builder by revenue wise. Lodha Builders have their headquartered in Mumbai, state of Maharashtra and that’s why they mainly target the Mumbai area for their new or soft launch. They have been in residential as well as in the commercial sector. This particular group was formed by the Mangal Prabhat Lodha in the year 1980. Lodha Developers has tied up their connection with the New York-based architectural firm Pei Cobb Freed & Partners. The corporation has planned to build three housing towers, a high-end shopping street and a superlative office building. Structural manufacturing firm Lera is associated for the project.

Lodha Casa Rio Gold has been one of the favoured residential properties by the Lodha Builders especially in the Mumbai Locality and its neighbouring areas. This particular project is located at the Dombivali- Kalyan road in Mumbai. This housing project offers 1 BHK and 2 BHK apartments with the size range of the 639 sq ft to 1386 sq ft. The price per sq ft is 5310. Lodha New Cuffe Parade has been the biggest land deals in Indian real estate history. The particular group tries to make a landmark each and every day starting from its initial point of the project. It has been very auspicious day for the Lodha builders, when achieve such huge landmark in real estate fields. From my point of view, if I have to rank the housing builders, then after the DLF group, I would rank Lodha Group as the 2 most promising real estate developers.

Lodha Casa Rio Gold has been one of the promising housing projects in Mumbai launched by the Lodha Group. The group always aim to bring up the best facilities and services in residential areas. Since from very inception, this particular group tries to figure out the changing needs of the individuals and their increasing requirement. It’s the human nature that their needs go on increasing with the passage of time but is the Lodha Group, which can meet to their requirement.

Lodha Casa Rio Gold has been one of the promising housing apartments in Mumbai.

Affordable Computers And Laptops In Every Home

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Today computer is considered to be the most competent product as selling point of view, dictionary or Wikipedia for the students, sort of entertainment for leisure time etc. In short, its platform for every sort of things to be search and to be performed upon and that’s why it has entered to every facet of human lives. From kids to teenager and from grown-ups to older people, everyone feels the need of computer in their day to day life. But the age group which makes maximum of computer is kids to adult i.e. between age group of 9-28 years. Kids are using for gaming and entertainment purpose and for education purpose while adults use it for professional or career point of view. In short, computers and laptops have not remained luxury anymore rather it has become necessity of the life.

=> Hence parents are also looking forward to install a computer in their houses as they wants that their coming generation should not be left behind. And that is why kids are accessed to computers and laptops at very early age.Even in schools and colleges, student who is having extra ordinary knowledge of computers and its operation is proved to competent enough then other students. And that is the reason why parents are having so much eagerness for installing computer at home. Not every parent can afford such expensive computers and laptops and hence they are having option of buying used or second hand computers and laptops. The market outflow of used computers, Discount PC or refurbished computers and laptops is tremendous.

=> As soon as you decide to buy discounted PC or used computer you just need to browse down few websites and you will come across hundreds of computers and laptop which are already used or which are refurbished by dealers and retailers. Some of the B2B and B2C websites will provide you with incredible deals over the Used Computers and used LCD. Such cheap computer proves to be effective and comes with guarantee even. You just need to make sure which are the ones who provides efficient after sales service.

=> But remember buying out refurbished computers and refurbished laptops is not at all an easy task. One has to clarify and analyze every detail regarding computers and laptops. Some of the feature which needs to be always taken under consideration is size, colour, configuration warranty period and brand.

Uzumati Hughes is USA Author. He is Working in supplier and several services. He has applied his knowledge and understanding to a wide variety of Refurbished Laptops and Refurbished Computers.

Consult used furniture dealers for best deals on wooden and metal furniture.

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Office furniture is among the most essential item at any work place. It comes as an important object in the office where you have to interact with hundreds of people and visitors every day. Office furniture is important thereby as it among the first seen items when you enter any work place. But with the rising cost of these items, it has become hard for people to afford such costly items of luxury. At any such point of time when you do not want to spend heavily in furniture, used furniture can be the best choice to go for. Used furniture dealers can be located without much trouble and they could offer the best deals that you had always been looking for. There are numerable benefits of buying used furniture these days. Obviously the most important one is its cost-effectiveness. Used furniture is generally in good condition when they come to the dealers. These 2nd hand office furniture are also attractive because of their design and aesthetic nature. A huge benefit is that they had been designed especially for official use which makes them more merchantable. This is an added benefit to the buyer as he does not have to keep looking out for products that would meet with official surroundings. Also they are not bulky in size and shape which makes it easy to fit into small spaces. The cost factor is amongst the best aspect of such goods. Due to their second hand nature, the cost comes down drastically which makes it cheaper than ever before. You can get a piece of furniture for almost half the cost than what you had to pay if you bought them brand new from the market. Used office furniture warehouse can be located easily with a simple search on the internet. There are various stores that are spread across the city which offer cheap deals. You can also have a look at the furniture online if you are running short on time to visit any such store. Buying second hand furniture is a great way to kick-off for people who are young and new. As they would not want to invest heavily in official goods, these products prove to be easy on pocket. However there may be apprehensions in people’s mind about the quality of the furniture in question. But this problem is again solved by the assurance of used furniture dealers regarding the quality of the goods. These goods come in various categories. For more durable and cheaper ones, you may go for metal and vinyl products. They are comparatively cheaper and last longer than wooden ones. Used furniture dealers also offer the facility of renting which again meets the needs of many short term business prospects.

The Plan Indicates The Stimulate Of The Housing Market…

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Many of us Americans have watched the long and animated national debate on the confusion and complexity of President Obama’s loan modification program. The basics of Obama’s loan modification program deals with detailing the bail out of homeowner’s from the potential loss of their homes. All that the debate has really fueled though, is more wide spread confusion of how the disbursement of the nearly nine million dollars will actually be put into action. Big lenders, like the corporate banks and mortgage companies, have just come away smelling like money from the previous government bailout of their once struggling companies. In fact, even today American’s housing problems are still escalating and rising higher as the public’s expectation of Obama’s loan modification program seems to steep in its own juices.

The plan indicates the stimulate of the housing market by the big lenders giving the struggling homeowners a way to adjust and modify their existing mortgages. Ultimately, a homeowner will be, under an eligibility rule, entitle to receive over one thousand dollars a year, up to five years. This will average out to over tens of thousands of dollars being spent monthly to help maintain and preserve the quality of housing for Middle America. Many Americans have been confused as to whether they should default on their own, over the top mortgages to receive this money. The confusion only deepens when it is learned that this is money set aside for the homeowners that have yet to actually defaulted on their loans and for homeowners that are less than three months behind on their loans.

This seemingly way of double talking has only help spur on the fears the American public has about the Federal bailouts, the stimulus package for local governments, and the ongoing debate of the reconstruction of our healthcare industry. Politicians have more than gotten their pork spending pet money projects passed, and with it, the hopes fade that the American homeowner will see the real benefits of Obama’s loan modification program. Now, the federal government’s greedy hands are delving into the automobile industry and creating a horrific demolition derby of it.

Many Americans who have lost their jobs and homes due to this given fact, are angry and skeptical about yet again, another promise of being saved by the loans and plans of the watered down Kool-Aid politics of the Anointed One himself.

Mumbai Developer Hiranandani Group Has Acquired Land Worth Rs 800 Cr

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Hiranandani upscale, a Mumbai developer Hiranandani Group, is learned to have bought 135 acres in Bangalore, Hyderabad and Chennai for Rs 800 crore. According to a person involved in the transaction, the agreement was signed last month between Hiranandani upscale and three vendors in these cities. “The three parcels of land comprising 80 acres in Bangalore, Chennai 35 acres and 20 acres in Hyderabad,” said the person. Hiranandani Upscale development plans in these cities, townships at a later date.

The sale of these parcels have been on a farm and Hiranandani premium payment would be in three installments. It is estimated that the company has paid an initial amount (token money). Asked about the deal, Surendra Hiranandani, Managing Director, Hiranandani Group Hiranandani upscale and confirmed to ET the company plans to launch new projects in South India, but refused to share accurate data on trafficking .

It is learned that the company would raise funds for the operation through private placement to a special purpose vehicle (SPV) level. According to the same person involved in the case, Hiranandani upscale is in talks with four private equity players – three foreign and domestic – to increase fairness in the development of these projects. Mr. Hiranandani said: “We are not able to share information, but can only confirm that we are talking to some players for an EP to a SPV. Hiranandani upscale is an unlisted company, and will focus on projects outside Mumbai, with plans to enter the market in northern India at a later stage.
The Hiranandani group has plans to develop townships in the three cities on the outline of his plan Powai in Mumbai. Projects in the three cities will focus on the highest income group. It is reported that the projects will begin in two years and could take three years for completion. The operation is important because there are not too many great deals that take place in the real estate sector now. In the recent past, the offers have largely taken place in Mumbai. Last month, DLF sold its stake in its plot MIDC Andheri-Mumbai Rs 200 crore, while in May, DLF has also sold its stake in a property, also in Mumbai. The number of transactions has fallen as a result of the economic slowdown and liquidity.

Brazilian Real Estate Market Investment Opportunities

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With breaking news emerging that major airline, Etihad Airways, will be offering direct flights from the United Arab Emirates (UAE) to Sao Paulo from 2013, Brazilian Housetech Development companies have identified the UAE as a target for potential investors to invest in the Brazilian Real Estate Market.

The Brazilian Real Estate Market has opened its doors to the world in recent months as Brazil property investment opportunities continue to soar with the nation witnessing large scale growth. At present, Brazil has one of the most attractive property markets in the world with a number of experts identifying that house price growth in the country currently stands at 23.5%.

Sao Paulo alone is witnessing property prices growing at a rate of 18.7% on a yearly basis and with the news that a major UAE airline has seen the benefits of offering direct flights to Brazil, savvy Brazilian Housetech Development companies are looking to cash in on investors who will undoubtedly take advantage of better access to Brazil because of direct flights into the country.

Waseem Saddique comments: With the world in such a state of economic turmoil its difficult for todays investor to know where to buy real estate. However, Brazil still retains the highly desired imbalance between supply and demand combined with affordable land prices and a domestically-driven economy. Investors, wherever they are in the world, especially the Middle East recognise this and are committing to projects such as Palm Springs, Natal.

Palm Springs already boasts 70% of its land plots sold, having been snapped up by a number of Brazilian middle and upper class nationals and presents itself as one of the most attractive Brazil property investment opportunities available.

Palm Springs is well renowned for its beautiful natural beaches and is ideally located just 20 minutes away from the location of the new international airport that is set to be built in nearby Natal.

In contrast to other Housetech Developments taking place across the area, much of the essential infrastructure is already in place and is approximately 60% complete. Land plots in the area are currently available at very affordable prices and Self-Invested Personal Pension (SIPP) approved investment opportunities are very financially viable.

The area also offers a range of 2 and 3 bedroom luxury villas that can be bought at very low prices, which represent excellent value for money for any UAE investor looking to take advantage of the current state of the Brazil property market.

The Benefits Of Service Oriented Architecture In Software Development

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Education is just a area with actually changing impetus. With good invasion of web and on the web services in most walk of present day life, one will need personalized development that’s simple and more user-friendly. With ADF (software development platform) and SOA (service oriented architecture), a strong doorway have been made by a new era of agile programming. Pc software improvement or internet development needs one to be constantly updated with the most recent systems on the market to generally meet client’s dependence on a simple and receptive software.

Extremely high level licensed programs can quickly be present in famous organizations to supply also corporate Hadoop training, ADF training, SOA training, and intense Hadoop training. Practical implementations of those systems possess a good method for any entrepreneur in addition to for the info technology world. Let’s comprehend both facades individually.

From THIS notion

PC software builders think it is excessively versatile and easy to program elements that may be recycled and designed without worrying all about the implementation program language and system.

Platform autonomy: SOA seeks to supply a nimble software that’s free from any program language worry or host system.

Architectural freedom: Technologies like SOA and ADF enables a scalable and flexible system to create composite development easier and recyclable.

High utility: Such systems gather several resources together that work with client’s fulfillment and easiness. For instance, it enables managing to Emails, charge cards and charging from the simple system.

From company notion

Similar to the quick changes in internet sites, the fundamental business methods are also changed to be secure, significantly quick, and significant. Entrepreneurs require a simple program for numerous procedures. ADF and soa systems have made their lives simple to use application and easier with modern programs.

Reusable components: Each element is individually made to be recycled for quantity of programs. Data freedom: Enormous information from disparate platforms is saved within an structured manner to be refined according to necessity. Performance control: Due to various elements and structure independent data, monitoring the company efficiency becomes simple by climbing different variables like revenue, manufacturing, structure an such like. Agility: The fundamental structure becomes quite durable and nimble for any new function or service; only a element needs to be included instead of altering the entire application or software. Economical: Being system separate, it enables managing every function from the simple centre, ergo decreasing the price to engage in to man power and more equipment.