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People have been investing on property for a long time now. In fact if one were to take a close look at history, most of the battles that were fought around the world were for land. With just a finite amount of land available for all of us to live, there is bound to demand forever for this precious commodity. Investment in real estate though is not as simple as it sounds, with many potential risks involved. Fortunately though, you can avoid all the pitfalls and get substantially higher returns on your investment in real estate by following 3 of the most effective tips, given below.

1. Although there are various strategies available for investment in real estate, the best one is to buy at a low price and then sell at a substantially higher price. This strategy would work really well if you were to purchase a property in a neighborhood, where the prices are on the upswing.

2. Flipping properties is another strategy used by many when it comes to investment in real estate. This method involves buying low and then selling off the property, as quickly as possible, at a higher price. The key to make money in this case lies in finding a property which can be renovated without spending a large amount of money and then selling it at a profit.

3. You should always consider what is that a property can generate as positive cash flow and not get emotionally attached with it, just because it looks good or is in a great locality. All said and done, you need to remember that you are looking for a property for return on investment. Investment in real estate should be after all a deal that looks profitable after all the number crunching for you to both buy it or buy and then rent it out.

By: Ashish K Arora

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The phrase’ the rich is getting richer and the poor are getting poorer’ is a common phrase that we hear all the time. Politicians around the world are talking about it and trying to slove it but this problem is seemingly difficult to tackle. Let’s just take a second and think really deeply why this problem is so complex. The number one reason for this is that the poor and the rich don’t even speak the same language!

If you ask any rich man what is investments? The rich man will tell you that investments are their best friend and you can spend the whole day and night talking about investments. You may be invited to join them and their friends for dinner to talk about investments. You will learn a lot of tricks and tips about investments. The most important and valueble lesson that you will learn from the rich is that investment is your best ‘friend’ for you to generate more wealth.

However, if you have asked a poor man, the word investments will stir a different atmosphere altogether. Every poor man in the world will tell you that investment is their ‘enemy’. They always relate investments to shares and stocks. They have very negative thoughts on shares and stocks because they believe that stocks and shares will make them a poorer person. They would rather be taking an extar job or blame others. The one perosn that will love to blame is god! They will blame their fate, blame god that they are not meant to be rich and accept the fact that they are poor and that they can’t be rich in their lifetime.

By: Nurazrin Suhadi

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By: Pinki Gupta

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Understanding your investment options may be simpler than you think. All investment opportunities can be placed into one of four categories. Where you should invest money to make money depends on your financial objectives. Do you want to save money or do you want to invest it? Here are your four choices, starting with the safest.

SAVE MONEY: If you are not in a position to invest money and accept even a moderate level of risk stick with cash equivalents and savings plans. Examples include T-bills, money market accounts, money market funds, Savings Bonds, CDs, and the fixed or stable account in 401k and similar retirement plans. All of these investment options pay interest and your principal (the money you invested) is safe.

BONDS: The financial objective when you invest money here is to earn more interest than you normally do in savings plans or in cash equivalents. Risk is at least moderate since bond values are not fixed and the price of bonds fluctuates. Examples include T-bonds, corporate bonds, municipals, and bond funds.

STOCKS: Investment opportunities in stocks involve more risk than the two general investment options above. Stocks are the primary growth investment for most investors, and stock prices can be volatile at times. But if you want to make money over the long term and stay ahead of inflation and income taxes, you should invest money here. Examples include domestic (U.S.) equities (stocks), foreign equities, growth stocks and value stocks.

ALTERNATIVE INVESTMENTS: If you are looking for growth investment opportunities outside of the stock market and/or want to offset the risk of owning equities consider other (alternative) investments. Examples include real estate, precious metals, foreign investments, and natural resources like oil. When you invest money here risk can be significant and so can the profit potential.

That’s it. Those are your four basic choices if you want to save money or make money investing. Don’t expect to make big profits in savings plans or in bonds under normal circumstances. And don’t expect to get safety if you pursue bigger profits in stocks or alternative investments.

Smart investors take advantage of investment opportunities and are willing to accept a moderate level of risk. They invest in all four of the above investment options. 

By: James Leitz

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To cope up with the financial urgencies, a sound financial plan has become utmost need of the hour in the present day scenario when the world economy is facing a number of ups and downs. During the recent meltdown, a definite plan of action should be present to counter all economic adversities. Debt management is an important aspect of financial security and a reliable recourse for those burdened by debts. It not only safeguards your future by their safe and sound planning but also plays a significant role to save face in market and retain one’s credibility. An effective debt management plan offers programs within a comprehensive package to work for even stiffer targets than debt riddance. The concerned organization sends out a clear message by stressing preventive understandings and legal notices. The debt counseling can in fact be really useful as one an easily identify their payment and spending pattern that might have led to their declining situation. This could help them to adopt a more practical alternative for ushering in better times ahead.

Debts linger as most of them are accompanied by heavy interest charges which keep on piling. One could try for a comparatively lower rate of interest by opting for the right debt management plan. It can be done by contacting the concerned company by whom you are debited to seek a better payment plan. One should at least pay the minimum due amount in case of credit card debt and try not to force a new debt upon yourself. Ensure no extra charges are applied by paying the bills on time. Stick to your budget to maintain good records to ensure that debts don’t spiral out of your control.

Debt management can be simplified by keeping records and maintaining decent credit score. One could down on expenses and can start their own DMP (debt management program) to get out and stay out of debts. It is very important to adhere to plans and guidelines set by you for yourself.

By: Vicky Talreja

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Anyone that wants to get into the real estate business is likely going to need some sort of investment property mortgage loan, unless they have a large amount of money that is free for investing. Lots of banks offer special financing for people who want to make a property investment.

These are called investment property mortgage loans, and they have been helping people get started in the real estate industry for years. If you have any property of your own paid off, then you will be able to use it as collateral and get a mortgage loan with good terms and a decent principle that will allow you to follow your real estate dreams.

You should contact all of your local banks to find out what they offer in terms of property investment loans. Keep a notepad with you, and write down the basics of every financing option – the initial interest rate, the maximum available amount, the term, monthly payment plans, the recourse, the fees, and anything else that will have an effect on your borrowed amount. If they have any literature on their financing offerings, be certain to get that as well.

Most of the time, the terms will depend on your credit, and what you have to offer as collateral. Once you’ve got all of this information gathered, you can make use of various tools to analyze your financial prospects.

Initially, you will have to enter all of the data that you gathered into a chart to help you easily compare your available opportunities. First, you should go through and figure out if any of them will be simply unviable for whatever reasons – for example, if you aren’t sure you’ll be able to make the payments on time, you should not consider that deal.

Next, you can use your analysis tool to compare all of the loan options, and figure out which one will be the most profitable, and take the least amount of money from your profits.

Once you’ve determined which property investment offer will be best for you, you should start creating a plan that will outline your investment intentions. This may even be required by the bank, and a loan officer will look over your proposal to ensure that you have a solid business plan. But whether it is compulsory or not, a solidly formed plan will give you personal satisfaction knowing that once you have your investment property mortgage loan, you know exactly what you are going to do with it.

As for tools that will help you compare your financing alternatives, you should investigate all of the options that are available to you. If you use a program that can easily compare your options, then you will save hours of manual work which would have involved performing endless calculations. Using investment software can help you find the best loan and profit as much as possible from your real estate ventures. The technology is available, so make the most of the software.

By: Andrew Stratton

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Anyone who knows something about debt probably knows something about debt management companies – professional firms who will manage an individual’s debts on their behalf.

This article takes a look at the pros and cons of debt management in terms of three topics close to any borrower’s heart: saving money, reducing stress levels and protecting credit rating.

Topic #1: Saving money

Pros: Monthly payments lowered. Interest frozen. Charges waived. The better their relationship with creditors, the better a debt management company’s chances of successfully negotiating for one or more of these concessions. This can save the client a considerable amount of money – not just every month, but potentially over the course of the debt management plan as well.

Cons: Lowering monthly payments means debts take longer to pay back. If interest hasn’t been frozen, they’ll also accumulate interest for longer, adding to the long-term cost. Plus, there’s no guarantee creditors will agree to any concessions, or that they’ll save the client more in the long run than the debt management company charges in fees. And since a debt management plan is an informal agreement, they’re free to change their minds.

Topic #2: Reducing stress levels

Pros: Some people don’t have the time to deal with complicated finances, or don’t feel confident about doing so. For them, it’s a huge relief to hand their debts over to someone else, who might handle everything from letters and phone calls to negotiations and payment distribution. And some people admit they’re no good at juggling numbers and negotiating deals, so it makes sense to let a professional talk to creditors and propose a repayment plan that leaves them enough money for essential bills and other expenses.

Cons: Not everyone feels like this. Many people would rather keep their finger on the pulse personally, so the thought of adding an intermediary just adds more complexity to an already-complicated matter. In short, they feel less stressed when they know they’re handling it themselves.

Topic #3: Protecting credit rating

Pros: By making new arrangements with creditors, a debt management company can minimize the impact of debt on someone’s credit rating, keeping debt problems from escalating into CCJs (County Court Judgments) or even bankruptcy. Plus, even though debt management addresses unsecured debts, it frees up money for secured debts such as mortgage payments, so people can avoid getting into arrears – or even being evicted.

Cons: When they agree to reduced payment terms, creditors may register a default (if they haven’t done so already) and this will appear on the borrower’s credit report, potentially making it harder and more expensive to get credit.

In conclusion… Debt management isn’t for everyone. Some people don’t like the idea of delegating their financial affairs like this. Others may not be eligible: creditors will negotiate like this when borrowers can’t afford their ‘normal’ payments, not when they’re simply looking for a way to reduce their monthly payments.

By: Melanie Taylor

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I would like to provide some core investment ideas for beginners. Now, you may ask why investment ideas for beginners are important. Indeed – isn’t the stock market a dangerous place? Shouldn’t we save instead of invest?

No, we should invest and save, and invest more than we save if possible. When you invest, your money works for you. When you save, while that’s important in the short term, in the long run you are still being forced to work for your money. Putting money to work for you is the key to heaven’s door of abundant wealth. And that’s why I would like to spend a little time and write you this beginners’ guide to investment ideas.

Stock market investment is the best way to put your money to work for you. This is the most basic, elemental of all investment ideas for beginners. If you are not in the stock market, you need to be. If you are out of the market, you are out of the money. It really is that simple.

But, it’s very important when you are putting together your investment portfolio that the investment returns you seek are mainly longer or long term. In other words, the worst thing you can do is be a day trader. Another one of the most important of all investment ideas for beginners now presents itself: it’s time IN the market, not timing the market, that makes you the big money. Day traders have a herd mentality and they let themselves be manipulated by the forces of greed and fear.

While all investing begins with the burning desire to make a fortune, for investing to be successful it has to be utterly unemotional. You cannot get spooked by every little (or large) downturn in the Dow Jones or the All Ords. Likewise, when you are doing well, you must not be tempted take profits nor get overly excited. In short, another one of the most important of all investment ideas for beginners: slow and steady wins the race – the race towards a fortune.

Your investment stocks just must be initially picked with care. As a beginner, you may want to look to investment companies to help you with this. These days many life insurance companies are also investment companies who can help you pick quality stocks within mutual funds, retirement plans, and even variable universal life insurance (which builds tax sheltered cash value). Financial advisors can also be great for helping you with picking the right mutual funds because they have no vested interest in earning commissions (they earn money on a fee basis set up so that the better you do, the better they also do) and can steer you toward the lowest-cost quality funds.

One of the most important investment ideas for beginners that I can convey is to paper trade first. That is, fantasy pick some stocks and then track how well they do. You should pick companies that are both financially stable but also have growth potential, such as blue chips. You should also pick companies that you personally like or have to do with something you are familiar with. You can use these “paper ideas” to guide you when you start risking real money.

By: Scott Martin

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Turkey is a huge country! It is over 1600 km in length and 800 km wide, giving it a roughly rectangular shape. It’s area – including several lakes thus encompasses over 783 thousand square kilometres, most of it in Asia. Turkey is in fact the 37th largest country in the world. On three of its sides it is surrounded by water – the Black Sea in the north, the Aegean to the west, and the Mediterranean to the south. Of course one must not forget the famous sea of Marmara in the north-west.

Turkey is divided into 7 very distinct regions geographically: the Mediterranean, Marmara, Black Sea, Aegean, Eastern Anatolia, South-Eastern Anatolia and Central Anatolia. All possess very distinct landscapes which are the result of many earth movements of millions of years. And to this day there are regular earthquakes and volcanic eruptions. There was a most severe earthquake in 1999.

Taking a look at the climate, Turkey can be seen to be of Mediterranean type, benefiting from hot, dry summers and mild, cold and wet winters. It has a very dry interior which can suffer from harsh extremes. In Turkey the seasons are quite distinct, and winters very harsh with temperatures as low as -40 C in the mountainous area to the east. Snow can also be found for about 5 months of the year.

Turkey is very diverse and original culturally. It is a subtle fusion of the ancient Anatolian, Ottoman and Western cultures and traditions which began with the gradual westernization of the Ottoman Empire, and to this day continues. Following its gradual transformation from a religion controlled state into a modern nation with separation of church and government, the artistic life of the country also underwent a massive enlarging and diversification, with the government investing in the fine arts, new museums, theatres and building construction. The resulting contemporary Turkish culture is one of a diversified fusion of the old and the new, combining tradition and history with Western ideas.

The fields of literature and music are typical of this rich cultural mixture, and music schools are now thriving throughout the country, teaching musical styles as diverse as traditional Turkish and modern hip-hop. As for literature, the same applies – early influences from the Ottoman Empire and Persia and now being fused with a more Western style.

As for buildings and architecture, in Turkey you find a unique blend of Byzantine, ottoman, Islamic and an increasing Western element. This is particularly in evidence in Istanbul where buildings such as the Blue Mosque are set against a background of contemporary high-rise office and apartment blocks.

Moving on to sport, the most popular sport in Turkey is the ubiquitous football. The major teams include Galatasaray, Besiktas and Fenerbahce. In fact Turkey is now becoming a major international force in the game, with Galatasaray winning both the UEFA and UEFA Super Cups in 2000. Then a short while after, Turkey finished third in the World Cup finals in Japan.

Other sports are now also very popular in modern-day Turkey, such as volleyball, basketball and several motor sports. Interestingly enough, by far the most successful of any teams have been the women’s volleyball teams, which have won a number of major European titles and medals.

It is hoped that this short look at Turkey as it is today has given you some insights into this fascinating country at the dawn of a cultural re-awakening in the heart of Europe. In later articles we will be taking a look in much more detail at some of the fascinating aspects of this culturally rich nation.

By: Dr Bianca Tavares

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Congratulations on your decision to dive into the commercial property investment business! While there are many exciting times ahead for you, you will also find there can be some big frustrations as well. Attaining funding is often the most stressful time for any commercial property investor, as well as the one single biggest frustration. However, by better understanding the investment property mortgage loan process you can move easily through the frustrations and on to becoming an investment property owner more quickly.

Similarly to procuring residential home mortgages through a mortgage broker or a bank, you will likely be dealing with a commercial property broker or lender for your commercial property purchase. While your broker and your lender can be of some help to you, if you can do some homework before looking for financing, you can decrease your stress level immensely. This allows you to go into the process better knowing what you can get easy approval for. And, if you are searching for a more complicated approval, you can come to the table with all of the facts the lender is going to want.

Part of doing your homework, prior to talking to a lender, is to understand that there are three common ratios which commercial lenders all use to judge the risk of an investment. If you are educated about these ratios you can come to the table with your lender in a positive position by being significantly prepared. Your preparation will show the lender that you know what you are doing and this will make them more likely to do business with you.

Let’s take a moment and examine these three ratios more closely:


The Debt Coverage Ratio (DCR)


The debt coverage ratio (DCR) describes to the lender how much income the property is producing when compared to the cost of the total debt on the property. The DCR is calculated by taking your net operating income and dividing it by the total of all of the mortgage debt on the property.

Most lenders want to see a DCR of at least 1.2 in order to consider lending money on a property. Any DCR below 1.2 indicates to the lender that the property is probably going to be loosing money. Lenders do not like to lend on a property with that high of a potential for losing.

The Loan-To-Value Ratio (LTV)


The loan-to-value ratio (LTV) is the same as you might associate with residential lending. It is simply the total debt on the property in comparison with the property’s current market value.

While residential lenders are okay with less than 75% LTV, you will find that commercial lenders use 75% LTV as the least they will generally lend on. This means that you will have to retain 25% untapped equity on the property.

Some commercial lenders will go higher than the 75% standard, but you will likely pay more for the debt than you would if you had stayed below that percentage.

The Debt Ratio


Generally for smaller commercial projects the commercial lenders will require you to submit a personal financial statement as a guarantee on the potential loan. The debt ratio will be your own personal monthly housing expenses divided by your own personal monthly gross income.

The debt ratio shows the lender how much money you have personally which is not already allocated to your living expenses each month. Most commercial lenders will not lend to you if your personal debt ratio is above 25%. Some have been known to lend up to 36% however, again, you will pay a premium for that loan.

Before you approach a lender you will want to understand these three ratios and run the numbers for your unique situation. By determining if financing will be easy or difficult, from the start of your project; you can better work with the commercial investment property mortgage lenders. Any loan is possible, but they are more probably when you have done your homework before talking to a lender.

By: Andrew Stratton

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