Real Estate Investment Success Series Tip #1 Making Money With Real Estate Investing

Filed Under (Financial Services) by Tud95B on 05-12-2018

Submitted by: Joel Teo

Are you losing money in all kind of speculative instruments like share, bonds and forex and am wondering what asset class to invest in? Why not consider real estate investment with its traditionally higher yields as compared to leaving your money in your bank account. This article will highlight four common strategies that real estate investors use to make money in property investment.

Money Making Method #1 – Purchase run down property and spruce it up

This method involves finding a run down property in a good area that you think has promise for resale and sprucing it up like some of the shows where people do an extreme makeover on the property. Bring along a good structural engineer or architect when you do look for such properties so as to ensure that the renovation works that you have to do will not be so extensive that it does not become worth your while to purchase the property. Since the property is may be rather run down, you need to redecorate and repair it and then you can resell this real estate for a much higher price. The key consideration when investing in this kind of real estate is to keep your renovation costs low but ensure that the basic utilities like the electricity , water and gas pipes are in good working condition. Thus this buy at undervalue and upgrade real investment strategy requires good investment property valuation skills and the ability to keep your costs low.

Money Making Method #2 Find places with high rentals

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Find areas with traditionally high rental returns that outperform the national average and then spend time looking for them and make money from the rentals. Here in this area of real estate investment, spending some time to find the real estate investment that is a bargain is a good idea so that you can get better return on investment.

Some people do not seem to get it that high rental yields are important to a real estate investor and think that most of their customers would pay anything to get a winter residence. I was at a property exhibition recently and spoke to a Spanish Real Estate Agent and when I asked her what the Return on Investment was on a piece of Bulgarian property that she was selling. Not only could she not even understand the concept of ROI but she even laughed off the question of rental yield when I asked her. I am sure she is not alone in his mistaken belief that people buy just because they like the real estate. Thus rental yields or return on investment is critical when you decide what type of real estate investment property to purchase.

Money Making Method #3- Purchase foreclosed property

Most people will know that foreclosed property usually fetches a lower price than the market value since banks are often eager to sell at a price that covers their mortgages or sometimes they just want to liquidate the property. Such properties tend to be auctioned off and you can then resell them for a higher value subsequently. However beware of hidden defects in auction properties and always arrange for a visit down to the property just to check it out.

Two people you should bring with you when deciding on a real estate investment is your professional engineer and your contractor. You want to check for hidden defects in your real estate investment to avoid buying a defective property that would cost loads of money just to repair. Thus purchasing foreclosed property may be profitable if you find a real bargain for your real estate investment portfolio.

Money Making Method #4- Cash Flow Investment

Robert T. Kiyosaki in his book explains this real estate investment strategy. He argues that the best investment you get is when you find a property at a bargain and then purchase it with as much debt as possible and then generate a cash flow from the difference between the monthly rent and the mortgage instalment. This method is highly interesting and requires you to really spend time looking for such a real estate investment that fits in that criteria.

Remember that real estate investment is dependent on rental and the higher the proposed rental the better your monthly cash flow is. You could also purchase the property at a lower price and this would mean that your monthly cash flow would improve. Note that once your property is partly paid up, you can refinance your loan and extract out some money and purchase a second property and so on. Soon you would have multiple streams of income from the purchase of one real estate investment property.

In conclusion, there are many ways to make money from real estate investment and what s missing is massive action on your part. Take massive action and start hunting for your ideal real estate investment property today and start generating substantial real estate investment property profits.

About the Author: Joel Teo takes a keen interest in real estate investment as part of a larger investment portfolio. For more tips on real estate investing check out our

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The Importance Of An Annuity Specialist In Estate Planning

Filed Under (Financial Services) by Tud95B on 28-08-2018

By Cory Bowman

Annuities offer two key advantages when it comes to estate planning: speed and privacy. An annuity specialist can designate one or more beneficiaries for the client’s annuity rather than have the annuity made payable to the client’s estate. A client’s ‘estate’ is the sum of his or her assets, including legal rights and entitlements to property of any kind, not including any current liabilities. Clients may find it beneficial to estimate the dollar value of his or her estate, which can help not only with general planning, but also to predict whether or not the estate will be liable for estate taxes. The value of the estate will most likely be worth a different amount when the client passes away, so determining precise figures is not necessary. At a certified annuity school, financial specialists will learn the specifics of the estate planning process.

The most important decisions that an annuity specialist will help make pertain to which involved party gets what and when they will get them. Although clients may have an idea of who should inherit each of their properties, a number of issues exist that the client should consider, including naming alternate beneficiaries and staggered inheritances. Naming beneficiaries often proves to be less complicated than making an annuity payable to the estate, which will have to pass through the client’s will. Every client should have a will, as it is essential to estate planning. The executor named in the will has legal authority to administer the transfer of property covered in the will. Although having a will is highly suggested, there is one main drawback: property left by a will must go through probate.

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The annuity specialist and his or her client should not decide what property to transfer by will until he or she has looked at transfer methods that avoid probate. No matter what decisions are made to avoid probate, a will is still needed. At a minimum, a will is a backup device essential to the transfer of any property that somehow was not transferred by other methods, such as property that was overlooked or unexpectedly acquired. In almost all US states, a will is the only document used to name a personal guardian for minors. For some types of property, such as a personal checking account or a vehicle, a will may be the best way to make transfers. If one or more beneficiary lacks the financial sophistication to preserve and manage a large windfall, many annuity specialists will ensure that the client specifies whether one, some, or all of the beneficiaries must receive their share of the annuity proceeds in the form of a series of periodic payments over a specified period of time.

Annuities are subject to income taxes at the time of the client’s death, and, if client assets are considerable, they may be subject to estate taxes as well. Aspiring annuity specialists will learn in annuity school that if clients want to maximize what their clients’ beneficiaries will receive, they should consider using some of their annuity money to purchase life insurance. Estate planning and will preparation are important for both the specialist and his or her client. Annuities play a large role in estate planning as well as will preparation, and certified specialists are needed to ensure the process runs smoothly for everyone involved.

About the Author: Cory Bowman is Director of Ops at the Institute of Business Finance. IBF has helped thousands of members of the financial services industry attain designations. For more information about

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Finding Personal Financing Advice}

Filed Under (Financial Services) by Tud95B on 10-08-2018

Submitted by: James Brown

There are many decisions made throughout life that require sound advice from a financial specialist. Finding personal financing advice can be as close as the local bank where personal business is transacted week by week or the advice could come from a financial planner who makes it their business to guide people to a better financial future through sound investment planning. There are costs associated with all types of personal financing and financial advice will help people realize which financing options are best and which should be considered at a later date.

Some young Americans want to work and retire at an early age. This ambition can be realized through sound personal financing advice that is heeded at various stages in life. An investment planner could help the young person create an investment portfolio that will earn income as the years go by and provide a solid income source when the chosen retirement age arrives. Finding personal financing advice that is centered on this goal will be easy, but following the advice will take a certain amount of self-discipline.

After finding personal financing advice, many people get busy consolidating personal debts and stop incurring more debt. Daily expense habits will suddenly begin to change and people that have a financial plan to guide them, will begin to save money by taking a lunch to work and alleviate the expense of dining out three or four days a week. Based on personal financing advice, the money saved each week will be applied to existing debts and eventually the financial calculators will show that the debt balances are disappearing.

While finding personal financing advice through financial accounts specialists at banking institutions, a homeowner might get sound advice on personal financing options that they did not know were available. The financial officers could show homeowners loan options that could reduce the monthly payments on a home mortgage loan. Interest rate reductions provided by the Federal Government will provide an out for many homeowners who are currently using adjustable rate loans to finance their homes and are at risk for losing them to the foreclosure process.

Using personal financing advice to refinance using a 30-year or 15-year fixed rate mortgage plan will ultimately lower balances considerably over the course of a new loan plan and give the homeowner a lower monthly payment that is more manageable. The monies saved through refinancing a home mortgage loan can be placed in a long-term savings account. The money could also be used as investment capital to build a solid financial portfolio for retiring purposes. Due to finding financial planning advice, a homeowner could simply pay one debt in full.

Financial planners can offer homeowners other personal financing advice if there are children at home that will go to college one day. A parent could set up a college tuition fund and not pay taxes on those monies for many years. Finding sound personal advice of this nature will allow people to realize that they can retire earlier than planned and have all financial commitments taken care of before they do. The personal financing advice might make a homeowner realize that a spouse will have to work a certain number of years to prepare for retirement.

About the Author: James Brown writes about coupon code

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Development In The Role Of Human Resources Leadership

Filed Under (Financial Services) by Tud95B on 19-10-2016

By David Shoemaker I.

In order to be recognized as a successful HR leader, there are three roles you must manage. The first is the ability to implement organizational strategy. The second is controlling the strategic planning process by sorting through the positive and negative outcomes associated with making a decision. Lastly, one must manage the formulation of a strategy to protect against the negative effects caused by unexpected outcomes.

Working to obtain a human resources certificate, you will learn what it takes to become an efficient manager. You will be able to understand and explain the three major roles of HR. Additionally, you will learn how to control business strategy and make alterations to current strategy. This will lead to more successful business activity. As an HR leader, it is important to be able to be conversant about issues that may delay positive decision making and develop solutions ‘on the fly’ to these problems. This agility is a common benchmark of successful human resources leadership.

Human resources leadership as a theory has been changing and reinventing itself over the past 30 years. HR started as a very conformed and structured area of business and has developed into a strategic and open-ended one. In circumstances of constant change, it is crucial to understand what HR leadership means right now, at this very minute, and what it means to be a successful HR leader today. Being a good strategist and leader are the first steps toward becoming a role model of human resources leadership.

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These days we hear a lot about the concept of human resources leadership and many are unsure what it actually entails. In order to understand how HR has developed, we will take a look back through the history books. During the 1970s, the job of an HR leader was to act like a police officer and make sure the managers did not make illegal or discriminatory decisions. This was in response to the equal-employment opportunity legislation of the 1960s. It was during the 1970s that the Supreme Court was deciding what was legal within the employment context, especially with regard to employment discrimination.

Around 1980, the recession in the US forced many companies to cut back and lay off employees. Traditionally, HR had been one of the first groups to get downsized. HR leaders were forced to decide what role they should be playing and what changes had to be made in order to ensure that next time a downsizing came along that they would not be the first ones cut off. Their job role had to be viewed by others as important and necessary to the running of a business. Therefore, the idea of strategy in HR was developed and put into action. Originally, strategic HR was heavily based on functionality. Every role and job related to HR had to somehow work into the overall strategy of the business model.

Once 1990 came along, another recession occurred which led to yet another rethinking of the role of HR. Dave Aldrich wrote two books entitled Organizational Capability and Human Resource Champions. These books became models that would redirect HR thinking during the 1990s. Within these examples was the idea of a strategic partner; this meant that HR should partner with business leaders to help the company develop its strategy. Additionally, Aldrich recommended restructuring HR to make it more effective and efficient through the three-legged-stool concept. The first leg was the HR manager out working with the businesses in the field. The second leg was the corporate centers for excellence, which consisted of the training function, the staffing function etc., located largely in the corporate headquarters. The third leg was the transactional aspect of the employee relations, and the handling of day-to-day transactions that take place within HR.

Another global recession and rethinking of the role of HR occurred during the beginning of the 21st century. During this time, the three roles of HR leaders were determined: implementer, controller, and manager. From this point on, future HR leaders will learn what it takes to be an ultimate director in the field by completing a human resources certificate training.

About the Author: David Shoemaker is Vice President of Learning Solutions and Innovation at eCornell. For more information on

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human resources leadership

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