Category Archives: Investments

5 Investment Ideas to Secure Your Future

Piggy bank, calculator and coinsUsually, when a person reaches their 20s, they already start thinking about investments to make. It is essential that the investor puts their money on assets that will reap benefits for them while shielding them from financial problems.

For those concerned about any potential financial difficulties in their future, these five investments will help soften the blow.

1. Real estate property

The first major investment of a person in their 20s should be a house. With the housing market constantly fluctuating, a homeowner should take advantage of the security that having a house provides.

Houses for sale in Kennewick, WA, strengthen the investor’s bargaining power. Retter & Company Sotheby’s International Realty notes that if the family encounters financial difficulties, later on, the investor can also post the house for sale.

2. Backup savings account

If there are financial problems, a person should have a savings account that will solely be for emergencies. This will serve as a safety net if there are no extra funds.

3. College degree

Education is the best investment because it adds more value to a person. The investor should invest on their own and their family’s education. This will enable them to find jobs, which will, later on, result in salaries and other benefits.

4. 401(k) plan

Any investment manager would suggest saving up for retirement early. A 401(k) arrangement with the employer will enable the person to look forward to a comfortable retirement.

5. Small business

A small business is the smartest profit-producing investment a person can ever make. A small business has fewer risks, can be easily managed and can depend on something that the owner is passionate about.

If the owner already has the capacity and finances to expand, they can open another branch or get more significant operations.

Investments should be more than just turning profit and earnings for the investors. They should also aim to establish financial security and safety nets.

Get The Ideal Mortgage Product With 2 Simple But Effective Moves

Mortgage Loan AgreementMany people overlook the need for preparation when applying for a mortgage loan to buy a home. Unfortunately, such oversights only serve to put a damper on the process and ruin the homeowning experience.

The hefty price tags on homes make it impossible for most people to own a home without a credit facility. The $200,000 asking price is way above the financial income of many. Luckily, the affordable mortgages in Chandler AZ from lenders like the Deb Klien Team put you closer to realizing your dreams. However, to take full advantages of these loans, you need to take a few proactive measures.

Educate yourself on mortgage

Rushing through the process of mortgage application without adequate preparation is the bane of many first-time buyers. In such a situation, you are likely to settle for any mortgage plan without giving too much thought. Do you know, there are more than six types of mortgages? Each is tailored to suit different buyer needs. It is, therefore, of great importance to have great insights into what they entail.

You need to tell between a fixed rate and adjustable rate mortgage as well as their merits. Again, you need to understand the benefits of a government-backed mortgage such as the Federal Housing Administration. Only by having a great insight into all these types of loans can you make the right choice.

Negotiate your interest rates

After picking the right type of home loan, you need to ensure that the interest rate on it is affordable. Unlike normal negotiation, this takes a bit of preparation. Your creditworthiness is your greatest asset when negotiating a loan. You need to demonstrate to the lender that you are indeed credible and pose little or no risk to them.

To this end, you need to have a high credit score, preferably higher than 700, a low debt-utilization ratio, and history of paying your debts on time. Building a stellar financial history takes some time, so you are better off starting the process long before you approach a lender. Such a move ensure that you have a pleasant experience owning your home.

Buying a house through a home loan can be a tricky and complicated process. Instead of feeling in the dark, you should make adequate preparations for a successful process.

3 Rules You Must Be Aware of About 1031 Exchanges to Get Approved

Couple with investorOne of the hottest topics investors and businessmen are discussing is the 1031 exchange. It is also called the “Like-Kind Exchange” or the “Starker” and is simply defined as the swap of one investment, property, or business for another.

The 1031 exchange allows businessmen and property owners to do the swap without being taxed, or at least get a much smaller tax. There are rules that you must follow to get approved and avoid getting repealed and today, 1031 Exchange Place is going to discuss what those are.

1. The Exchange

Despite the term “Like-Kind,” you definitely can exchange your business or investment for a different type of property.

For example, you can exchange your apartment building for a strip mall, a raw land, or even for a ranch! You just have to make sure that you are eligible for the exchange and that the investment or business that you are exchanging for is qualified for 1031.

2. Delayed Exchange

Finding someone who owns the property that you want and them wanting your property in return can be difficult, which is why delayed exchanges are acceptable.

You would have to find a middleman to hold the cash after you sell your property, That middleman is considered as the intermediary, which will be then assigned to buy the replacement property using the escrowed cash.

3. Replacement Property

Since we have talked about the delayed exchange above, we should then talk about the timing rules that you would have to be aware of when it comes to this type of exchange.

The exchangor must identify the replacement property that he wants to acquire within 45 days, and the transfer must be closed and done within 180 days. It is possible to designate three properties, as long as you make sure that you eventually close one of those.

Knowing the DO’s and DON’Ts of a 1031 exchange will save you from getting repealed when applying for one. Do your research and follow the rules to get approved ASAP.

Four Factors That Will Make Managing a Rental Property Much Easier

House miniatureHaving properties for rent is a great way to earn extra cash. Instead of acquiring properties and leave it unused for years, renting your property can help generate additional income without putting much effort. But, what are the things you have to consider when renting out a property?

1. Lessen the chances of vacancy.

One way of eliminating vacancies in your property is by getting a long-term tenant who will rent your property for an extended period.

Another way of ensuring that your property will not be vacant for long periods is by shortening the turnaround time. You may do so by creating ads to attract more potential tenants.

2. Conduct your thorough research.

It is always best to know what you are getting into before you take any steps. You might want to attend seminars or read investment books to learn more about the process and create more sound decisions in the future. Turn any area of your residences into a rental property to multiply your profits.

3. Know the perfect time to increase rent.

You have to know the perfect time to increase rent and how much the increase will be for your long-term tenants.

Consider demand in your area before deciding on rent adjustments. Checking ads or even speaking with other landlords can give you an idea of how much an ideal increase should be and when it is best to apply it.

4. Know all the costs and expenses.

You should know all the expenses associated with owning a rental property and match it with the cash flow. Applying for a mortgage can make the process much more comfortable, but you will need to pay at least 20% of the total property cost before you can own one.

Owning a rental property comes with its pros and cons. So, it is important to research before you consider buying one. Do not forget to ask advice from an expert to get a much better idea of how property rental works.

Colliers: Developers to Build More Townships in Cavite in 2018

An aerial view of a modern housing subdivisionReal estate developers in the Philippines will look beyond Metro Manila for their next township projects, including Cavite, according to Colliers International Philippines’ Top 10 Predictions For 2018 report.

Several existing projects in the province include the Lancaster New City. A review website like Land Price List helps real estate agents compare prices for different types of units, aside from prospective home buyers.

Key Market Trends

Other provinces that will be under the radar of property companies’ include Laguna, Bulacan, Pampanga, Cebu and Davao. These companies will continue to search for development opportunities in the next few years. This trend stems from land values that have begun to increase due to the rapid expansion of road networks across the country.

Home builders have marketed townships as a multi-faceted environment where residents can also work, shop and dine among other things. These mixed-use developments have become popular as more people want basic and leisure facilities near their place of residence.

Opposite Scenario

The housing situation in Metro Manila will be a different scenario this year, according to Colliers. For instance, the launch of new condominium buildings will continue to make it hard for companies to find new tenants. This serves as one reason why some developers have turned to second- and third-tier cities for their next developments.

However, commercial real estate will be a bright spot in the sector due to growing demand for office space. Santos Knight Frank expects an additional 1.5 million square meters of leasable space in Metro Manila this year, in response to sustained demand from business process outsourcing companies. Despite a projected increase in vacancy rates due to the expansion, the consultancy firm noted it would not be a problem since pre-leasing deals remain steady.

Conclusion

The general outlook in 2018 for the country’s real estate sector seems bright, particularly from an investment standpoint given that several companies plan to focus on other markets for expansion.

Agricultural Loans: What You Have to Know Before Applying

farming equipmentFarming and the agricultural industry, in general, can be a very promising business for most people. It is not easy to run, though, as you would have to do a lot of research and needs some kind of experience before you can venture successfully into the business.

Now, if you want to get a farm and start a business but you do not have enough money to do so, then go ahead and get an agricultural mortgage loan from companies such as Farm Mortgage Loan. This article discusses the things you must consider before getting one. 

Your Credit Score and History

Before applying for any loan, getting your credit score and report should be number one on your list. You need to know if you will be approved or not: basically, a low credit score will most probably get you declined. A high credit score will most likely allow you to get a loan that has a small interest or one that requires little to no downpayment.

Lending companies will base your approval on your credit report and history. This will determine if you will get a loan or not, so securing a copy of your credit report at least every year is a must. Everyone is entitled to one free credit report per year, and you can get it online without any hassle.

The Down Payment

Not all loans require a downpayment, but most firms do. Make sure to have some money on hand to be able to pay the required down payment. Most firms require at least 20% of the total loan amount as down payment, but it all depends on the lender.

The Type of Agricultural Loan

There are five major types of agricultural loans, namely:

  • Farm Storage Facilities Loan
  • Farm Operating Loan
  • Farm Ownership Loan
  • Fisheries Finance Program
  • Farm Labor Housing

There may be more, but these are five of the most common. Make sure to talk to your lender and ask for advice to make sure that you will be getting the loan that you genuinely need. Good luck and enjoy your new farm!

Collaborative Study Environments Encourage Better Problem Solving

student taking a testA collaborative study in classroom settings allows students to come together and solve problems amongst themselves. This encourages better problem-solving skills and decision-making. It also helps children become more sociable and learn to work with others, skills that are valuable later on in life.

To encourage collaborative learning, more schools are increasing opportunities for students to discuss school work amongst themselves. Even school desks are evolving, with modular, flexible options becoming increasingly popular. Modern school desks can be pushed together with ease so that students can face each other whilst working in groups.

Student-led Learning

A study released by Richard Anderson of the Illinois College of Education in the U.S., studied 760 fifth grade students to determine the efficacy of collaborative learning.

Students were split into groups and allowed to learn together instead of the standard teacher-led instruction common in most classrooms. They were given a literary project to work on, where they were presented with several moral dilemmas relating to the characters in a story.

After completing the project, the study concluded that the children who worked together tended to make more thoughtful, reasoned decisions compared to those who worked alone. This is because a group environment allows them to consider a range of ideas to support varying view points – the students who worked in groups would often weigh the costs and benefits of each point before making a decision.

Improved Micro-creativity

Collaborative education also allows for the introduction of argumentation – groups that discuss and debate a problem first also tend to have higher levels of micro-creativity. Micro-creativity refers to a person’s ability to come up with new ideas. According to a study conducted by the State University of New York, polite disagreements between students increased micro –creativity by as much as 11 per cent.

There is no doubt that collaborative learning is a highly beneficial teaching method, especially for problem-solving and decision-making.

2018 is Promising for Singapore’s Property Market

Singapore city skyline at night

Singapore city skyline at night In Singapore, home ownership is a valuable symbol of independence and financial stability. The local property market in the country for 2018 is now a promising venture especially for those who intend to fulfil their dreams of private home-ownership.

The trend for home prices in recent years has been a steady decline, making more homes affordable for many people. Many experts explain that this decline has been largely due to the government’s efforts to regulate property prices.

However, there are other options for those who want to invest in Singapore’s promising real estate market. One of these is leasing property or land for commercial or residential purposes, which can be a good way to generate revenue.

This is where land and property lease in Singapore comes into play. Property investors now have the choice to lease their property for residential or commercial purposes. In such instances, the government needs to work with property developers to determine the amount payable to the government.

The land lease agreement

Singapore property buyers are familiar with the land leasing agreement for many years. First, the initial amount is considerably more affordable than a freehold property.  Depending on your needs and preferences, you may find that a land lease is an ideal agreement if you intend to purchase a more suitable property later.

Why you should consider leasing

Since 2015, the rental for many properties have gone down in value as the number of vacant properties has increased year on year. Many property buyers could take advantage of the lower home property prices; though residential leasing remains doubtful, commercial leasing remains a promising venture for many investors.

Experts predict that the market will double in the next decade, and so the best time to invest in property in Singapore whether leasing land or buying properties is now.  Besides, for those who want to experience home-ownership would find the values more accommodating now than a few years from now.

Northeast Tennessee Home Sales Reach $1B So Far in 2017

For sale sign in front of a house

For sale sign in front of a houseHomebuyers in Northeast Tennessee may have an easier time to look for properties, as the region’s housing market is tipped to set another record year for sales, according to the Northeast Tennessee Association of Realtors’ (NETAR) report.

Home prices in Northeast Tennessee during November fell by $3,689 to $169,452 year over year, while sales for the month increased 7.6% to 496 properties.

Record Year

NETAR’s report partly based its findings on property sales in five counties in Northeast Tennessee. For the first 11 months of 2017, there were 5,777 transactions exchanged possession. This may allow the market to sustain its record from last year, when sales amounted to its $1 billion.

Washington County registered the highest increase in average home prices, which rose by $16,960 to $228,693. In Johnson County, the average home price increased the most by more than $42,900, although prices remained the cheapest among the five counties at $128,244. If you want to buy elsewhere in Tennessee, the market in Nashville may be a good choice coming into 2018.

Nashville Market

Realtor.com expects home prices in Nashville to decline next year, as more homes are sold in the city. Prices have been trending upward due to a limited supply of homes. However, the forecast only considers higher sales for listed home prices worth more than $350,000.

Entry-level property prices may take a long time before noticing any slowdown in growth, as first-time buyers make the most of low-interest rates from lenders like a mortgage company. Mortgage Investors Group noted that Hendersonville homes could be another option if you find Nashville to be a pricey market.

Whether it’s your first time to buy a house in Tennessee or not, it may be better to secure financing to close out a purchase faster than rival bidders. Where do you plan to acquire a residential property in 2018?

 

Rental Properties That Will Make Money for You

A house being put up for saleDo you own a number of properties or looking to buy a new one? Make them profitable by leasing or renting them out. A bit of remodeling, some marketing, and you’re ready to earn. The types of properties that could make money for you are:

Waterfront homes

The beaches and lakes are favorite spots for revitalizing and relieving stress from everyday tasks. You can look at listing sites such as Rockport Properties, Inc. to purchase any of the waterfront homes for sale in Rockport, and then advertise them for lease or for rent. From the money you make from the rent, you can save money for remodeling or buy another property for profit.

High-end wood cabins

Different people have different tastes and different hobbies. Some enjoy the outdoors while others enjoy just being at home. Those who enjoy the outdoors also like to be able to feel the comfort of home. This is where your property comes in.

If you own cabins in the mountains, you can have them rented for specific seasons. Say, hunting season or summer is usually the time that families go out and have fun. Some just want to get some fresh air. If you are not going up to the mountains, you can have your cabin rented out to these types of people and earn in the process.

Condominium units in the business district

Condominium units can be used for a variety of purposes, especially if it’s located in the business district. Should you want to have it rented, people may want it for a place to say during meetings and conferences. It can also be a place to stay where friends can get together or stay a night or two away from their own homes.

If the property offers a couple of perks like massages and overnight pool parties, this is also an opportunity for your unit to profit.

Properties are versatile. You do not have to live on it once you purchase it. You can avail memberships or services from property managers, and they can do the job for you. You can sit back, relax and enjoy the fruits of your properties.