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.

Canadian Developer To Ease Falling Glass Worries By Installing Wire Mesh

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Concord Adex recently addressed the issue by writing to the worried residents directly in the three high-rise building in the CityPlace complex in Toronto notifying them that plans were in place to provide protective mesh on their glass balconies as a safety measure.

The installation of this protective mesh comes following safety doubts after tempered balcony glass exploded across some condos in the city during the summer last year. Furthermore, thestar.com stated that last summer panes of glass dropped onto the street and some pedestrians minor injuries.

Concord decided to keep the same glass supplier for their three building and decided to take action by installing wire mesh.

Arash Beheshti, Concords vice-president of construction, was mentioned in the correspondents posted out to local residents as stating that although there is no conclusive evidence suggesting that the glass is faulty, “we are not taking chances with people’s safety”.

Mr Beheshti further said to CBCNews: “I can’t speculate at this point as to what the cause of it is and therefore we’re taking a proactive measure to protect the community while we’re doing an investigation to make sure that the safety of our residents are not jeopardised.”

Trudy Clark is one of the concerned residents. She was happy with the way that Concord had addressed the issue and for being very proactive in its efforts to put in meshing as a safety precaution.
“They are doing this to prevent any accidents and for the safety of all the people in the condos,” she said to thestar.com.
“It’s good. It seems like they are doing the right thing and that’s the way they presented it,” she further stated.

John Barber, who has been a glass producer for over 30 years, said to CBCNews that vast numbers of suppliers and developers look to buy and make the best use of glass that has been produced with cheaper materials.
“We’re seeing an influx of glass with no controls, no mechanism at all for quality,” he told CBCNews.

Torontos building department stated that after conducting an extensive investigation into the incidents of falling glass said that the provincial building code may need to be assessed.

However, area councillor Adam Vaughan suggested that the problem seemed to be “more of a manufacturing issue than a code issue”.

“Glass spanned the way it is and mounted on the outside of a balcony is not the problem if it is manufactured properly, he declared. The question then becomes, is it an external coating on the glass or an internal laminate? Whats the best way to strengthen it so the span can still be reached?”

Hire a professional roofing contractor for your residential and commercial roofing needs

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Having a durable and high quality roof is easily one of the most essential elements of keeping your property well-maintained. A working roof not only enhances the visual appearance of your home or business, but is important for the safety of your family and your belongings. When you need to install, repair, or re-roof your property, working with a capable contractor is the best way to ensure that the project is not only done correctly, but on time and on budget as well. The premier contractor in the Los Angeles and Orange County area for a quality roof has long been Accurate Roofing Solutions. Their services not only ensure that you get the project done right, but that you pay a fair price.

The company is able to handle repairs, maintenance, replacement, construction, re-roofing, and any other related projects. If you are experiencing sinking or leaking of your roof, they have a variety of services that can help out even in a seemingly hopeless situation. Their team of professionals will work with you to determine your exact needs and requirements and then work to complete the job in a timely fashion. After having serviced homes and business throughout Los Angeles over the past 20 years, they are able to offer guaranteed solutions for their customers. Not only is their work long-lasting, but they are also able to add many features to a roof that make it look nicer and more functional.al.

Their team of experienced Redondo Beach roofing contractor professionals is able to quickly identify a problem and work to devise a solution that will work within your budget. Adding a composition roof to your existing home is a great way to help build a long-lasting structure that you can feel safe living in. They use only the highest quality materials to give you a great Torrance roofing solution. If you would like to make your home more environmentally friendly, there are many ways that you can modify your roof to do so. By adding skylights and solar tubes, you will help to reduce your dependence on electricity and lower your carbon footprint as well.

If you are interested in working with a capable provider of roofing Los Angeles, then you should look no further than Accurate Roofing Solutions. Their capable team is available immediately to not only provide a detailed no-obligation quote but to answer any questions that you might have, from the cost of a minor repair to the timeframe required for a full roof construction.

Click Redondo Beach roofing contractor to know more.

For more information or to get your no-obligation estimate today, please visit .

Understanding the qualities of a good Ecommerce website developer

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The website developing world is very dynamic. A quick search for the keyword, -E commerce website development’ will produce millions of results. This means that there are millions of website developing companies around the world. This could be attributed to the fact that one does not necessarily need a huge amount of seed capital to start with. However, it is important to note that there are some qualities that make a good e-commerce website development company. By understanding these qualities, you will be at a good position to make a good decision. This decision will help you in getting the right return on investment. Some of the qualities to always consider are:

Quality of the work

It is important for you to get a good product for the money you have paid. Unfortunately, many people have fallen into the trap of the many internet scams that promise them high quality website development. To understand whether a website development is good at what it really does, it is important for you to check out their portfolio. This is the page where they have indicated their list of clients and the nature of the work done. However, this is not enough as many companies tend to fake their list of clients. To ensure that you get the right company, it is important to call or e-mail the said clients and confirm whether what is indicated in the website is true or not. For a company to have good quality work, it is important for it to have a good management and experienced workers. These workers need to be conversant with the current trends in web development. For instance, they need to understand important tips such as those of responsive web design.

Reasonable in terms of pricing

The law of demand and supply explains that the price of a particular product will always decrease when the number of producers increases. This is true when it comes to the field of e-commerce web development. Since there are millions of global developers aiming the same market, one should always choose the company that has a low and reasonable price. Expert Media Village is a good illustration of all the above. With expertise in e-commerce, responsive web development and WordPress, the company leverages on its vast experience to provide high quality services.

After -sale’ service

It is usually very difficult for any company to understand the coding provided by other companies. Therefore, there is usually the need for a good website development company to ensure that they take their own time to teach the clients on a number of things. Expert Media Village proud itself as the long term website development company as they take their time to teach the clients on the best way of maintaining the website.

Ruby is writing on behalf Expert Village Media -….Visit our website to know more about us. . WordPress Developer Our website:

Interviewing Your Contractor

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Before you even consider calling a contractor, you need to know exactly what you want him to do. First of all, go online and see what is available in your area. You will want a contractor that is easy to reach, and if you have to leave a message, how long will it take him to return your call.

Then make a list of the projects that youll want the contractor to tackle. If the list is long, try to narrow it down to the essentials. Then pick four or five local contractors and give them a call. Ask each one similar questions so you can judge the one that seems the most honest, qualified, and reliable.

On your list write the contractors license number, workers compensation number, and bond number. Dont hire a contractor until you have those numbers in hand and contact the agency to see if his licenses are still valid or have they expired? Does the contractor have a printed contract with his name, address, phone, and license numbers?

Is the contractor qualified and has he done a job like yours before? Does he have references, and can you contact them? How long does he estimate that the job will take to complete and when can he start? Keep definite dates in mind, but allow for a bit of leeway.

Now that youve narrowed the list down to two or three, contact the contractor again and ask for an interview and a price quote. Make a note if the contractor arrives on time, or if he runs late, does he call you to let you know he is running late. If a contractor fails to do that, forget about him, and go on to the next one.

How and when does the contractor expect payment? There are laws that state how much a contractor can collect as a down payment. Make sure you know the law and hold the contractor to it. For instance the law forbids a company from taking over 10% or $1,000 as down payment.

Before you sign on that proverbial dotted line have the due dates written on the contract. For instance, the second payment may be due when they deliver the material. There may be additional payments with the final due when the project is completed to your satisfaction.

Does the contractor hire sub-contractors? If so make sure they get paid. Otherwise if the contractor does not pay the sub, they can come back to you and demand payment or put a lien on your home.

Be cautious, but not demanding, and when they start the job stay out of their way and let them do their job.

How To Hire Flooring Contractor In Orange County

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Every once in a while, we feel to have a new and different feel in our home, especially when we talk about changing the floors or modifying some finishes, and other things. You may have started the search by looking for what is best for your room or what can be a different addition or finish to your existing interior design. There may be some moments where you feel a bit aloof since changing the carpeted floor into hardwood flooring may be too much of a challenge and it may entail costs too expensive to handle.

If the focus is all about changing the different floorings in many sections of your home, then you can get an assistance that can be more than worth the time and the budget. Especially when you are in Orange County, getting a group that can take care of your flooring problems and modifications can be easy. In fact, they do not just accommodate installation of wood floorings; they also take care of hardwood bamboo flooring in orange County where it can be done in full section, or select placement, according to your preferences and suggestions.

You can hire someone by using modern methods these days. This is one of the best and most effective ways to confirm that they can provide the superior kind of service fit for your home. You may Google it to see what flooring contractor sites are available. Once you have that done, you can also check to see if they have other methods of showcasing their work, such a YouTube videos, or Facebook web pages. Why would someone go for such extent in just looking for a contractor that can do bathroom flooring? This is because the more modern and updated they are, the better of you will be since they are keeping up with the demands and needs of modern day customers.

When you have that done, just go back to the website being endorsed by different YouTube videos or blogs. You can email them, call them, or even chat with them to see that they can come to your place and do an on-location estimation of the price of the job to be done. If you also need additional resources like what different options there are for wood, bamboo, kitchen and even tile flooring, then you can go to their showroom where you can see different selections of tiles, carpets, and wood finishing available.

Wonderful Things About Being a Game Developer

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There are a lot of good things about being a game developer in the Philippines. As the multi-billion dollar mobile game development industry gets even bigger, more game development jobs become available in the country. These opportunities make it possible for game enthusiasts to work in a field they love and earn a living with a career that makes them happy. A career in mobile game development is more than an excuse to play games all day, there are many rewards that come in this industry. Using your creative and analytical skills – Game development jobs require both your creative and analytical skills. Some jobs like artists and sound engineers may have a highly-creative focus, while programmer jobs are very analytical. Game design and mobile app marketing uses both creative and analytical skills. You can always challenge and allow your skills to grow in mobile game development. Work in a lively and casual environment – If working in a cold and formal office is your idea of a nightmare, the environment of game development will be a sweet dream. It is so different from other industries. Employees are allowed to be as creative as they can be. There are no strict dress code and the working hours are flexible to maximize the employee’s efficiency. The best part is being surrounded with people that are passionate and driven about what they do. Having a steady career in a dynamic industry – The game development industry is always changing and it changes fast. With all the new innovations, it will be hard to find a dull moment. But the changes also bring new opportunities to learn so you can improve and expand your skills. But even with all these changes, the game development industry is well-established, so you do not have to worry about your job. Seeing people have fun with your creation – Making other people happy is one of the best feelings in the world. In mobile game development, you have a chance to do that in every game you create.

It is very fortunate that Filipino game aficionados can be a game developer in the Philippines and they no longer have to go overseas to realize their dream of making games. FunGuy Studio is an android and iphone app development company that makes it possible. They have their game studio based in Manila where they perform the whole range of game development jobs – from game conceptualization to mobile app marketing.

There are a lot of wonderful things about game development jobs beside impressing kids. It is a fun career that satisfies one’s need for creative outlet, growth and security. It also gives you an opportunity to turn your passion into a career.

What are the steps to become an iPhone developer

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The very first step to become an iPhone application developer you buy or have a Mac as without it it will not be easy to code apps for iPhone. It is not necessary you only own the top model, but you can buy anyone in your range. Any Mac which is capable of affording maneuverability for developer will suit. If yours is the tight budget, buying Mac Minis is good choice. It is portable and can be taken anywhere. The next step is to own the SDK (software development kit) for coding iOS apps. Apple provides SDK that developers can use in the iPhone app development process. The SDK includes stuffs like Xcode and simulator that are required in testing of tapp. Other things include performance analyzers, template interface builders and reference library. There are also plenty of documentations with the SDK. Third thing you will need to become an iPhone developer is you learn Objective C. As an extension of C with OOP principles, Objective C is the primary programming language to code apps for iPhone and other iOS devices. If you already have some programming experience, learning Objective C is going to be quite easy. Note – The official Apple Software Development Kit offers complete details and documentations on anything related to iPhone app development.

After that comes the starting out with development. It is the fourth step. Make the project plan and start coding the application with using objective C. If you are already a Java programmer, you can adjust and practice your programming skills to get the project done. You can also easily make several types of modification if you have already concluded a project. The SDK has a number of sample projects which can be used in the development of iPhone apps. You can start with these sample projects and just reveres engineer them to make your own apps. Also new features and functions can also be added to create new apps.

The fifth step is to become a real developer by signing up to iPhone Developer site at $99. With signing up to this, you agree all the terms and conditions of Apple for iPhone application development. It depends on the time you have to contribute to your project or the type of application you want to build but, an iPhone application development project aimed at game may take about two months to get done.

Once you complete the project, it’s time to submit it to iTunes and wait for approval. Apple general takes 1-2 weeks in approving application for iPhone and other iOS powered devices.

Shubhangi Verma- working as professional technical content writer- For more information about iPhone apps development kindly visit our official website www.rapidsofttechnologies.com . For any queries call +1 516 515 9871 or email us at

Tips For First Time Property Investors

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If you are like many people you may have heard that there is the potential to make a lot of money through property investment. It is possible to do this but if you are a first time property investor there are things that you need to know and to keep in mind so that you dont end up taking a loss your first time out. While there are no guarantees and it is possible for experienced investors to get stung from time to time the following tips can help you minimize your risk and find great properties to invest in.

Be Specific
You need to be specific about the kinds of properties you want to invest in. Do you want to purchase residential or commercial properties? It is important to be specific about the kind of properties you are interested in investing in as it can help you narrow your search and refine the kinds of research that you will be doing on each of the properties you are considering. It can also help you find the right kind of realtor to deal with.

Do your research
You want to make sure you are doing your research before you invest in any properties. The kinds of research you will do will vary depending on whether you are purchasing a residential or commercial property. You need to look at property values and how they have changed recently, which types of properties are the most popular and even what comparable property values are like if you plan to make an offer to purchase.

A good realtor will be able to help you with much of this research. They will have an idea of which properties are likely to appreciate most in value and give you information on zoning, comparables and other data that can help you make the right choice and potentially maximize your profits.

Make sure your finances are in order
Although this may seem obvious, it is a mistake that many people make when they are investing in properties for the first time. They may not realize the importance of having their finances in order before they begin looking. If you have purchased a residential property before but have never purchased a commercial property you may not realize the differences in interest rates and down payments that may exist.

By having your finances in line before you begin looking you will be able to refine your budget and will be in a much better position to make an offer on a property when you find one you like.

Buy Property in installment

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Harish property provides plots, and property in installments.

Why you invest in Jodhpur property

Jodhpur is the famous Indian city. You can It is also referred to as the Blue City due to the blue-painted houses around the Mehrangarh Fort. Jodhpur lies near the geographic centre of Rajasthan state, which makes it a convenient base for travel in a region much frequented by tourists. The old city of Jodhpur is surrounded by a thick stone wall.

Investment location

HARI VIHAR
1. The Colony is palnned to have approximately 1200 plots on bighas.
2. It is at a distance of 45 K.M. from jodhpur and only 26 K.M. from pali. Very near to N.H. 65 (only 3 K.M. away)
3. The 3500 Bigha Pali RIICO (8500 Bigha Project) is 12 K.M. from HARI VIHAR COLONY.
4. The Proposed Civil airport, Steel Plant is only 3-5 K.M. away Very near to rohit (5 K.M.).

Distance between the way which is going by Hari Vihar

1. Development Area (Rohit) 2.5 km

2. Main Pali Road (N.H.65) 3 km

3. Rampura 3 km

4. Short Distance by Proposed Steel Plan 3 km

5. Petrol Pump, Hotal, Motal, Police Station 3 km

6. School, Hospital, Electricity and water Box 4.5 km

7. Rohit Market 4.5 km

8. Proposed Airport 4.7 km

9. Jalore & Balotra Road 5 km

10. Rohit Railway Station 7 km

11. Om Bana Than 9 km

12. Pali Proposed RIICO 9 km

13. JDA RIICO+ Fright Corridor 12 km

14. Pali Distt. 26 km

15. Jodhpur Railway station 45 km

Installment

1 We all dreams are by one plot for salf. It just 500/- Rs. Monthly Installment.

2 Distance between development area just 2.5 km.

3 Down payment 10,000
500×42=21,000
5,000×6=30,000
Total Months & Cost=61,000

4 Right time Investment is get good future.

5 Harish Properties Pvt.Ltd. bring a right Investment Budget for you, Just 500/- Rs. Monthly Installment.

6 Proposed steal plant is near by Rohit (Our Hari Vihar)

7 Can you change your child future, than Invest.

8 Properties for good future like a old men is Invest for you.

Harish Properties Pvt. Ltd.
Contact Person : Mr. Ranveer Vaisnav +91 94142 08854
Contact Person. : Mr. Harishdas +91 80940 00809
Contact Person. : Ms. Indu +91 8094000801
Contact Person. : Mr. Chaner singh +91 8094000802
Contact Person. : Ms. Dipti +91 8094000803, +91 8094000806
Contact Person. : Ms. Madhu +91 8094000808
Contact Person. : Mr. Haridas +91 8094000809
Contact Person. : Mr. Asish +91 8094000810
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