Property Investment Vs Property Speculation

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.

Bulk SMS Tool Enterprise is fast Bulk SMS sender Tool

Reach of Mobile telephony is vast and this is not due to its wide network but simply because it can be carried by the users wherever they go. This is the only advantage mobile phones have over landline phones. But this single difference creates an unsurpassable gulf between mobile and landline telephony. Land line phones makes a person unreachable as soon as he or she gets away from the phone but mobile is always in the pocket of the user ensuring round the clock reach ability. No wonder it has become single most important cog in business communication. Another benefit of Mobiles is SMS (Short Message Service). SMS is most probably fastest and easiest way to pass information. So, Bulk SMS tools have become very important for organizations interested in selling products through SMSs. We have come up with one such effective tool, Bulk SMS Tool Enterprise. This unique Bulk SMS software for PC and Laptop allows the user to connect unlimited mobiles to PC or Laptop through Bluetooth or USB to send Bulk SMSs to unlimited mobile numbers simultaneously. The tool boasts of highly advanced features. It automatically detects all connected mobile phones and user simply needs to select the phone from which Bulk SMSs need to be sent and send SMSs to intended recipients. The user has been provided with the option to import numbers from excel sheet. This is necessary to make a Bulk Text Messaging Software effective. User can send SMSs not only to list of numbers but also individual number. Manual selection of numbers is also allowed. Highly useful delayed delivery option has also been provided. Software provides value added features like Personalized message option also. The software provides a log file that contains all data related to Sent or failed messages. The data includes number, messages and date of sending. The tool is compatible with GSM mobiles. This SMS software Tool has different utility for different users. It can be used in offices as a Group SMS Sender tool to send a common SMS to share information about meetings, offs etc. For this user needs to just import numbers from a file containing numbers of all employees and Send Group SMS. This software tool is particularly useful for companies relying on Bulk SMSs to sell their products. One important benefit they get is speed. The tool allows sending thousands of messages at one go. Second and more significant benefit is log file. The software generates a log file containing all data related to messages sent and failed. This can be handy to maintain records and avoid duplicacy.

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Financial Infidelity What Is It

Although many are not familiar with the term financial infidelity, it has increasingly become a problem in many households across America. So what exactly is financial infidelity? Financial Infidelity occurs when one person in a committed relationship spends or hides money without disclosing it to their partner.

Like sexual infidelity, financial infidelity can destroy one’s marriage. Money problems are known to be one of the leading contributors to divorce. Financial infidelity happens to be at the top of the list of money problems that lead to divorce. Shockingly, Jennifer Brand, a family law specialist in Philadelphia, stated -I see more cases of divorce caused by financial infidelity than I do from sexual infidelity.-

So how many people out there are actually lying to their spouses about money? The numbers are surprisingly high. In a recent survey conducted by Harris Interactive, the following results were revealed:

Approximately 1 out of 3 people admit to lying to their partners about finances
One in Four people state that their partners have withheld financial information
Three out of Four people surveyed stated that they fight at least occasionally about money
One in Four adults believe that financial infidelity is worse than sexual infidelity
96% of the group surveyed reported that it is both partners’ responsibility to be completely honest about financial issues.

The results indicate that financial infidelity is a serious problem. As one can imagine, any form of dishonesty in a relationship can lead to serious trust issues. Those trust issues can ultimately break down the emotional connection needed to make a relationship last. The reality is that the effects of financial infidelity on a relationship are no different and oftentimes worse than sexual infidelity. If you are having a problem with being completely honest around your finances with your partner or are having problems getting over financial infidelity in your relationship, you should consider working with a financial therapist.

Nikiya Spence is a licensed psychotherapist, certified money coach, and speaker. Nikiya specializes in helping individuals and couples transform their relationship with money. Visit her website at www.solutionsoflife.com or call 770-638-7145 for a free 30-minute no obligation consultation.

The Considerable Benefits of a US-Based Virtual Assistant Company

Once you have tried having a virtual assistant or working with a virtual assistant company, you will wonder where that idea has been all of your life! A virtual assistant allows you to accomplish more in a given day and also serves to enable you to focus on your company. By being able to focus on the core parts of your business, you will quickly see your business and your bottom-line grow.

When you begin considering a virtual assistant or virtual assistant company, you will no doubt soon realize that there are many overseas options. While many of these virtual assistant company options are fine, working with a US-based virtual assistant company has, in general, far more to offer you. Lets take a moment to consider the ample benefits of working with an US-based virtual assistant.

Opting for an US-based virtual assistant company means that you will have no language barrier. You can likely find a virtual assistant outside of the United States, but as the old saying goes, you do usually get what you pay for. This is definitely the case with virtual assistants.

Working with a US-based virtual assistant means that you wont lose time due to language barriers and the considerable confusion that can come with them. Unless you have experienced the problems that can come along with language barrier issues firsthand, it is difficult to appreciate just how much time and thus money can be lost. This problem simply doesnt exist with a US-based virtual assistant company.

In addition to the language problem, most Americans who opt for a virtual assistant outside of the US find that they have to engage in a good deal of hand holding. If you are the kind of person that finds this annoying and irritating, then an overseas-based virtual assistant is definitely not for you! Additionally, having to engage in constant handholding undermines the purpose of having a virtual assistant in the first place.

In the end, all the micromanaging, handholding and language barrier issues will likely leave you feeling as though you are potentially spending more time than you are saving with an overseas virtual assistant. The fact is that these problems simple dont exist when you opt for an US-based virtual assistant. While you may initially feel that you are saving money with an overseas virtual assistant, at the end of the day, you very well may feel differently. Odds are that with the time you are forced to invest, you could have just opted for a US-based virtual assistant company and saved yourself a good deal of hassle as well!

Significance Of Media Management Firm In Sussex

Media plays a pivotal role as far as enhancing the brand image of a company is concerned. Media management firm in Sussex utilizes different mediums, channels and technology for the purpose of informing the audience of a companys mission, policies and practices in an affirmative and credible way.

Big organizations do not have time to spend on media management. They hire media management firm in Sussex to interact and coordinate directly with the media people responsible for producing the news and features in the mass media. The key idea is to maximize positive coverage in the mass media without paying for it directly through advertising.

The role of media management firm in Sussex is restricted to media. They have to manage the relationship that a company develops with journalists. Media management is part public relations. Public relations goes beyond media to the general public. Median management involves meeting challenges related to media management. Media management firm in Sussex takes care of all aspects related to media management. For a company, the ongoing relationship between the organization and the news media is very crucial because the news media have ultimate control over whether stories pitched to them are of any significance to the general public. The most strategic way of ensuring a positive working relationship with media personnel is to become deeply familiar with their domains of interests.

The media management firm in Sussex is responsible for brand enhancement. They function on behalf of an organization to enhance brand awareness of an organization and to create an impact with a chosen audience. Media management firm in Sussex allows access to audience, helps put up public support and mobilizes public opinion for a company. The entire process is conducted through a wide range of media and can be used to encourage shared communication.

Avoid Loan Modification Scams with Legal Help

When financial difficulties make you unable to pay your mortgage, you are sure to be looking for a solution to stop losing your home in a foreclosure. In such times, you become susceptible to fraudulent individuals and organizations claiming to save your property through different methods. What you need is a real estate lawyer for help.

When you face such a problem, the reasons may be numerous – a sudden employment loss, death in the family, or any such others. The additional financial burden of mortgage just adds to your difficulties. Here are a few dos and don’ts that could help at such a time.

Do stay away from individuals and organizations that -guarantee’ no foreclosure. There is no such guarantee available. If someone claims to offer you this, in all probability you are walking into a trap.

Do not pay any upfront fees to anyone. If someone calls you or contacts you and asks for a -fee’ to stop your foreclosure, be very wary. No legal professional practicing in Illinois would do this; neither would they ask you to pay without doing anything.

Do keep in touch with your lender or lending institute. Communication with your lender/lending institute is important. Make sure you have a single point of contact. You could also ask your lawyer for guidance in this regard.

Do enquire regarding the programs available. You can contact your lender/lending institute directly to ask if there are any programs for homeowners who cannot pay up. You could also ask your Chicago real estate lawyer about federal and state programs.

Do not sign any document without proper understanding of what it contains. Whether it looks like a legal document or is a deed to transfer the title to your property, never sign anything without consulting a legal practitioner.

Do make a financial plan and keep essential documents ready. If you have no idea about your income and expenditure, you would never be able to work out a loan modification plan. Talk to your lawyer about creating the right plan suitable for you.

Do get help but from the right professionals. You sure need help to deal with this situation, but not from fraudsters. Opt for lawyers specializing in real estate and financial planning to handle this task properly. Check their qualification, certification and experience before you ask them for help.

Awareness is the key to avoiding loan modification frauds. Examine and analyze the resources before you start using them. This way it is possible to avoid shady means and methods for preventing foreclosure.

If you are searching for an Atlanta based criminal lawyer, or divorce lawyer, or the lawyer practicing personal injury, tax, civil rights etc., Atlanta Lawyer is one of the authentic lawyer resource that can show you the way.

Entrepreneur Make It Big in Restaurant Business Is Now Venturing Into Internet Marketing Business

It is always inspiring to hear personal business stories of entrepreneurs who overcame all odds and doubts in venturing into business and make it big. Last Sunday, I just read about how a 35 years old Thai Express Founder Ivan Lee, who started his F & B business with $300K and eventually sold his controlling stake for a sizeable $114 million in the process netting himself $80 million.

What was even more impressive was Ivan had no background or experience in F & B business before he first ventured into his first F & B business. Despite all his doubters, including his family members, about the viability of his business when he first started, he persevered and carried on. Apparently, his father-in-law was also a successful entrepreneur who founded the contract manufacturing firm JIT Holdings and sold it to Fortune 500 company Flextronics for $1 billion in 2000. This deal netted the senior Mr Goh some
$300 million. When starting out, he had benefitted from the financial and advisory support given by his father-in-law, but, subsequently, he went against his father-in-law advise by venturing into other restaurant businesses which were highly successful and are now contributing about two thirds of the business turnovers. An element of luck also play an important part in his business success as he had opened close to 100 stores but about 10 to 20 percent of the stores were not profitable. So he was lucky that his first 10 ventures were successful which provided the cash flow for his subsequent business expansion.

He is now venturing into the internet market in China despite not being in the IT industry. When The Sunday Times journalist contacted him, it found the entrepreneur in Shenzhen, experiencing growing pains all over again. He says that his friends and family are again doubting his new venture. His remark was: “I am a rooke now playing in a much bigger league and I feel like I am nine years back, starting all over again.” This young millionaire is setting his eye on his next big venture where he wants to build the next Baidu (China’s equivalent of Google) or even the next Facebook.

Lesson learnt: To make it big in business you need to be bold, have perseverance and be unique and certainly having financial support from family helps and also an element of luck. He is certainly one hack of a brave entrepreneur!

My advise is learn about internet and social media marketing before plunging into the business and be better prepared for your business venture into the internet marketing world. I am making use of my internet skills to help develop and launch community websites Henley Brunel MBA Alumni (Singapore) and other commercial websites for corporate businesses.

Good luck to all of you out there running your start-up businesses!

Online shopping scenario in india

Online Shopping in India is evolving fast and has the potential to grow exponentially, with the internet penetration growing far and wide. Now a days Indian e-commerce is getting mature. Indians are increasingly seen using the internet to get more information and to shortlist preferences. When it comes to online shopping, Indians are proving that they can surely beat the world. Average middle class Indians are getting more tech-friendly in terms of consumer electronics, changing the way India shops.

The customers can easily compare the prices of any product among different vendors . Online shopping stores put the convenience of shopping at our finger tips. The traditional Indian mindset

about shopping is conservative. Consumers want to touch and feel the product before buying it, and also make sure that they get the best bargain, the best deal. But with modernization and the

ultra fast pace of life today, the scene has changed. The constraint of time is one of the big reasons of the increasing dependencies on Online Shopping .

There are many benefits of buying the products on-line. Wide variety of products are available in portals. People don’t need to go to markets or malls in search of better deals. One can find

everything here and also individuals can shop at anytime of the day. These portals are open 24 hours and 365 days. A person can save lot of their precious time. Buyers can also get lots of

variety and best deals here. They can also compare the product prices and find themselves with a better option.

Online Shopping has been revolutionized by the presence of a large number of Online Shopping Store / Portals in India that offer wide variety of products. And it doesn’t stop with variety, today there are online shopping portals that offer discounted rates, free shipping all over India .

As there are large number of online shopping sites it would become rather impractical to keep track of the various best online deals offered by many online shopping sites in India.

Bestbuy.ind.in is an online shopping site that lists the various hottest and best online deals in India from popular online stores. Bestbuy offers an exclusive one-stop-shop for net-savvy Indian online shoppers. It offers best low price daily deals on various brands and products from popular Indian stores.

For more details visit:

Kimco KEYS Program Provides Opportunity for Aspiring Entrepreneurs Seeking to Launch their First Re

Kimco Realty Corp. (Kimco) announced the launch of another small business through the Kimco Entrepreneurs Year Start (KEYS) program – Carlsbad’s Build-It-Workshops held its grand opening on Friday.

KEYS is a small business incubator program developed by Kimko.

As of Dec. 31, 2012, Kimco owned interests in 896 shopping centers comprising 131 million square feet of leasable space across 44 states, Puerto Rico, Canada, Mexico, and South America. KEYS launched in California, where Kimco owns over 110 shopping centers consisting of over 3,200 stores and 19.3 million square feet of leasable space.

The company says that it is actively seeking startup entrepreneurs and first-time business owners to apply to the program, which currently has over a hundred small shops (2,500 square feet and under) available for KEYS participants, including many pre-built restaurant spaces.

KEYS will place qualified applicants into Kimco shopping centers with one year of free rent and additional benefits such as affordable property charges to minimize initial overhead; access to personal Kimco retail business counselors; a flexible four-year lease option after the first year; as well as access to shop space in established retail centers. In addition, Kimco says that it will provide operational and financial support through the critical startup incubation years to better ensure the success of these first-time business owners.

Kimco has developed relationships with established educational organizations such as SCORE, the California Small Business Development Center, Kauffman FastTrac, and others that offer business resources and networking support.

The KEYS program seeks entrepreneurs who plan to open their first store, restaurant, or other concept (but not franchise companies), who have adequate funding for the venture, a written Business Plan with detailed business goals and who have the ability to articulate their plan for success in an interview. A certificate, endorsement, or letter of completion verifying entrepreneurial classes completed from an SBA sponsored business association, college, university or appropriate training organization is encouraged, but not required.

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Why Online Liquor Stores Are Booming

With the advent of Internet and online trading, getting something delivered at their doorstep has become a convenient and hassle free process for all individuals. Since the world has shrunk and trade and commerce have transcended physical boundaries, many online liquor store have opened on the World Wide Web. These stores deliver a wide variety of alcoholic beverages, ranging from scotches and champagnes to tequila and beer, at the customers’ premises. Such online stores offering liquor home delivery service have become a boon for people who want to send elegant wine gifts to their geographically isolated friends and families on special occasions.

Stores that provide liquor home delivery service option make use of quality packaging material while packing the products to be delivered. These online stores make use of special material, like bubblewrap, to make sure that the liquor bottles do not crack while being loaded and unloaded. Moreover, the efficient packaging ensures that the consignments are not damaged even if the delivery truck meets with an accident. A reliable online liquor store continually make efforts to deliver their customers’ orders within the stipulated time frame, so that the buyers can relish the flavor of their favorite alcoholic beverage as soon as possible.

Placing an order with an online liquor store is quite simple, as the buyers only need to choose the products, provide the delivery address and date and make the payment for a successful purchase. All such websites accept payment through credit and debit cards, as well as other modes, like Pay Pal. Many websites offering liquor home delivery service also render discounts to repeat buyers, thus lowering the overall costs involved in this process. Many repute stores have seasonal discounts and provide special gifts like wine accessories on bulk purchases. This is considerably more convenient than visiting physical stores and loading and unloading the heavy consignments from one place to another.

Most online liquor store have affordable shipping and handling charges, though these can change in case of international delivery location. Usually, people who are engaged in delivering beverages to their friends and family located abroad solicit international delivery options. In such cases, the charges levied by the website offering liquor home delivery service increase according to distance and national excise duties. However, the rates decrease substantially in case of bulk orders and can become quite affordable for one and all. This has led to an exponential increase in the demand of home delivery of liquor in the international market.