Online Investment – Timing Is Everything

They say that ‘timing is everything’ and it’s never more than true when looking committing to an online investment. For the comedian, actor, athlete and politician timing is a key skill in success. Being in the right place at the right time is part of the skill (or luck) of any kind of success. The basketball or football player needs to be doing the right thing when the scout is about. The busker singing on the street can have their lives changed if a record producer happens to be walking past.

So is success down to luck – well yes and no. I’m a big believer in creating your own luck. If you put yourself about, take risks (albeit calculated ones) and put yourself in situations where opportunity can be seized.

The most common piece of investment advice given is ‘get into property’ and as a general rule it’s sound advice. Property in general appreciates in value over time and delivers a return on investment significantly better than any bank or savings scheme can offer. However – timing can make or break the investment opportunity. Many have been caught short by entering the property market at the wrong time and making very little – and in some sad cases ending up in negative equity. If you buy in a town that is on the rise – then you’ll make money from your investment. If you buy in town and a factory then lays of 1,000 employees causing widespread unemployment – there’s a good chance that you could lose money, see very little growth or have to wait a long time to see a return on your investment.

If I could give only one piece of investment advice it would be to develop the skill of being able to spot opportunities. Broaden your perspective think laterally and learn how to read how events will shape things financially and then make calculated decisions based on those factors. If you can learn this new kind of thinking then you will see investment opportunities others miss and most importantly you will see them in time to get in early.

Investment Diversification with Real Estate

This year, investment in the stock market is making many downright jittery. Though overall the stock market does seem to be hovering around the 10,000 mark, many investors are plagued with uncertainty about short and long term investments in the stock market. Will stocks go up or down this week? Is now to time to keep money in the market? Or take money out of the stock market?

As a real estate professional, I always advise people to continue to invest in property. With so many bank owned properties flooding many different markets, real estate investors are actively purchasing homes and investment properties and obtaining some great deals right now.

John Starke, an Investment Advisor and Financial Principle with American Beacon Partners, says that many investors have grown tired of the risk involved in purchasing equities, mutual funds, and other types of investments. Prior to the sharp downturn in the market in 2008, investors goals were to accrue money through appreciation. “Rather than nervously watch their portfolios go up and down, investors want a more stable income,” noted Starke. He sees a rise in interest in Real Estate Investment Trusts (REITs), Tax Free and Corporate Bonds, and even some Corporate CDs. “Many investors are pulling their money from equities and mutual funds and opting for investments that pay a decent, regular return on their money,” said Starke.

In my everyday real estate transactions, I see investors pulling large sums of money from the stock market and putting it into the purchase of homes and properties in Virginia. I have taken the time to ask real estate investors their opinion about stock market investments. Many have decided that the stock market is not for them right now. One investor, J. D., purchased a property in King William County, Virginia that was in foreclosure for $90,000. She will spend approximately $4,000 to prepare the property for the rental market and be able to collect a monthly income of $1,000 from her investment. J.D. told me “I feel the time is right to start investing in real estate again. I stopped four years ago when property prices got out of hand. I intend to do even more real estate investment now.”

Another client, who plans to retire in a few years, is selling one commercial property investment in order to purchase a strip mall in the Western Virginia town where he plans to retire. He will pay the purchase price and invest approximately $40,000 into the strip mall to prepare it for the commercial rental market. He told me, “I am tired of having a business that I have to work at everyday. I want to have an investment that will work for me as I am planning to retire in about two years.” His upcoming shift in lifestyle is motivation for his new commercial property investment. Note that hes not selling one business and putting the money into the market. This may have been the trend for a retiree five years ago but not in the new economy.

Finally, H.G. in Hampton, Virginia made a wise move with money he once had in the stock market. He purchased a condominium for $50,000, invested $2,500 in the property renovations, and is now receiving $850 per month in rental income for the unit. HG said, “I am making more of a return from my property investment than I would in the stock market, and I also receive a tax deduction to boot.”

There are of course risks in real estate investments. A tenant could default on the rental agreement, or a property could remain vacant for months on end. That is why it is imperative that real estate investors hire experienced and knowledgeable property managers to maximize their investment. All of the property investors mentioned in this article are using my property management services for their real estate investments. Other risks include unforeseen maintenance and repair issues. This is why it is important for property investors to put a portion of their profits aside to reinvest in the home, condominium or townhouse they purchase.

Where property investment is concerned, even these risks, when anticipated and well-planned for, are small compared to the uncertainty of stock investments.

Shawn Tully, Senior Editor at Large for Fortune magazine, published “2010’s Coming Stock Market Crash: 1987 all Over Again” in May 2010. He states that stocks are still overpriced. He predicts a low return on investment (or a loss) as an inevitable outcome of this scenario. Tully bolsters his opinion with these astute observations: “Here’s how I see the odds. The chances are about one in three that we suffer a huge, wrenching correction in the next year or two similar to the one in 1987. That possibility is so high because stocks are so startlingly expensive. Another high probability event is that markets go on a long sideways grind, with smaller drops along the way. What’s extremely unlikely is that the market rises substantially from current levels and stays there for any extended period.”

Experts within the financial industry may be reluctant to put forth the strong opinion that Tully articulates. Still, there is no denying that investors have undergone a major shift in perspective since the financial crisis of late 2008 culminated in a recession, took hold of the United States and spread to other countries.

People will always need a place to live. With more and more families sadly experiencing foreclosure and dislocation, renting will be their most likely option. More rental properties will be necessary to fulfill housing demands. Investors need to take a serious look at property investment in their areas, and take steps to purchase viable homes even if they are in need of some repair or upgrades.

Visit http://VonCannonRealEstate.com to view potential investment property listings in Virginia in Williamsburg, Hampton, Newport News, Yorktown, Richmond and Northern Neck areas such as Matthews, Northumberland and King and Queen Counties.

Abraham Moss Centre Launched After 42million Investment

If you are a newly qualified or experienced teacher, Tradewind Recruitment can help you to find the very best vacancies in top Manchester schools. A leading Manchester teaching agency, they are the premier provider of primary, secondary and SEN teaching vacancies in Greater Manchester and the North. Make sure you are up to date with the latest education news with Tradewind.

Abraham Moss Centre Provide Education Hub For Local Communities

After five years of development and a 43million investment, the Abraham Moss Centre in North Manchester has re-opened. At the heart of the Crumpsall and Cheetham communities since the 1970s, the refurbished Abraham Moss Centre offers local people a central hub for education, health and leisure facilities.

At the centre of the refurbishment is the new Abraham Moss Community School. Representing Manchesters first newly built primary school for over 40 years, it is the citys first through school, providing 420 primary places for children aged 5 16 yrs.

“Abraham Moss has been at the heart of the north Manchester community for generations, and this major transformation will make sure the centre continues to play a vital role within this community” said Sir Richard Leese, Leader of Manchester City Council.

The centre and new community school is complemented by a newly opened library. Situated on the ground floor, residents will be able to browse a selection of books, some of which have been acquired specifically for the new library. The centre will also be home to the award-winning Manchester Adult Education Service (MAES) and the College of the 3rd Age for students over the age of 55. As such, the centre represents education and development opportunities for all ages; from 5 100yrs.

On top of the educational facilities, the Abraham Moss Centre will also feature a 250 person theatre space. Designed to compliment studies at the Community School, this unique facility will allow local talent in music and drama to be nurtured whilst also providing a performance space for the community to use.

Leese commented “Offering life-long education and development services, along with leisure, health and fitness facilities, all under one roof, Abraham Moss is a true community hub that is perfectly placed to enhance and improve the lives of north Manchester people.”

Register With The Leading Manchester Teaching Agency

Looking for rewarding teaching jobs in Manchester and the North, register your CV online with Tradewind Recruitment. A leading Manchester teaching agency, Tradewind can offer you the very best primary, secondary and SEN teaching vacancies in Manchester and Greater Manchester.

For more information on available vacancies, call their Manchester teaching agency today on 0844 327 1275 or email .

Source: http://www.manchester.gov.uk/news/article/6845/abraham_moss_centre_relaunches_after_a_five_year_transformation

Why Real Estate Investment Includes Risk Analysis

The bottom line about any real estate investment analysis is that it is a risk analysis. If risk was not an issue with investing, and all the results of any given investment were known with certainty, than creating an analysis for any type of real estate investment would simply be a matter of arithmetic. But the truth about real estate investing is that many factors come into play (i.e., the economy, tenant trends, etc.) that make it impossible to ever know with absolute certainty enough about a typical property to remove every element of the unknown.

Since the ability to accept varying levels of risk will differ from investor to investor, many simply avoid real estate altogether and opt to put their money only in relatively risk-free investments such as government Treasury bills. But the price for this lower level of insecurity, of course, is a lower rate of return. Why, because a relationship always exists between risk and rate of return. Therefore, when investors are attracted to the certainty, they in effect force down the rate of return they are willing to accept as a tradeoff for their unwillingness to accept uncertainty.

Okay, so what about the risk takers? What can investors who prefer to collect the higher rates of return associated with real estate investment do to deal with (and perhaps minimize) the ambiguity? Investors must exploit tools that can potentially measure this risk. One method is by applying what is known as a “probability distribution” to prospective real estate investment opportunities.

For example, rather than using just one set of rents to ascertain potential cash flows and returns for a rental property, the investor should consider several rent scenarios that reflect an estimated probability of their occurrence.

In my real estate investment software, for instance, a form is provided that allows users to apply three different rent scenarios to a rental property. This way, rather than just having to accept whatever rents are presented by the seller, the investor can analyze the cash flows and returns based upon a range of rent probabilities (i.e., most likely, somewhat likely, and not likely but “wow, wouldn’t it be great”).

The logic is straightforward. Say, for example, that you’re doing an analysis on a ten-unit apartment complex made up of ten two-bedroom, one-bath units each reportedly with the potential of renting for $700 per month. My own experience warns me that “potential” rents may (or may not) be likely, so I always prefer to run my own rent scenarios. In this case, then, you would use our Rent Scenarios form and assign three rent probabilities based upon your own measurement of risk, and instantly you are the results so you can analyze what impact each rent might have on cash flows, rates of return, and profitability. The outcome if monthly rents are more likely at $650, for instance, could affect your willingness to chance buying the property.

This is only one of a variety of mathematical and statistical approaches to risk analysis that will help you address the uncertainties of real estate investment. But you get the idea. The best way to deal with uncertainty is to measure it. And the probability distribution we illustrated for rents is a good first step.

You can see a screenshot of our Rent Scenarios form at http://www.proapod.com/Tour/basic/screenshot_4.htm

Ravet Pcntda Delivers The Ultimate Real Estate Investment Destination

With many tempting locations featuring properties for sale in Pune, what does it take to make a new one stand out? Aundh, Wakad, Baner, Pimple Nilakh, Pimple Saudagar and similar areas have had their heyday.

Now, it is the turn of Ravet, which lies on the North-West side of Pimpri Chinchwad Municipal Corporation and Pune. This location is set to become the new paradigm of investment property in Pune. Various significant real estate market drivers have combined to make Ravet the most promising destinations for Pune residential property.

Superior Location

With its development masterminded by the Pradhikaran-Pimpri Chinchwad New Township Development Authority (PCNTDA), Ravet enjoys the benefit of an extremely strategic location on the Pimpri Chinchwad map. It is, in fact, the first town that appears on leaving the Mumbai-Pune Expressway.

This has resulted in it becoming known as the Gateway to Pune; but that is not all there is to it. Ravet is a junction of the old NH4, the Katraj-Dehu Road bypass and the Mumbai-Pune Expressway and is placed advantageously close to the Hinjewadi IT hub and Pimpri-Chinchwad industrial belt.

The residential property investment potential at Ravet is further enhanced by the fact that J.N.N.U.R.M has begun construction of a 45-metre, grade-separated, non-signaled four-lane BRT (Bus Rapid Transport) road at this point. This road, with 40% of the work already completed, will ensure that key area such as Aundh, Pimpri, Chinchwad, Chakan and Talegaon are in easy access from Ravet.

Developer Activity Picking Up

Two major development companies active in the PCMC area are now collaborating on a highly modern integrated residential township at Ravet’s focal centre. In Pune, township properties are definitely the lifestyle wave of the future. Spread over 2.5 million square feet, this integrated township – which features futuristic facilities aimed at making it entirely self-sufficient – is going to be developed in three phases.

Since the highest demand in Pune is currently for affordable housing, the first phase targets the middle-income group with 2/3BHK flats ranging in size from 800 to 1200 square feet. These flats are currently priced between Rs. 24 to 34 lakh at the initial offering phase. Taking a cue from this pioneering project, other developers have also acquired land in Ravet, although their projects are yet to be announced.

The Trappings Of A Pune Real Estate Legend

While Ravet’s accessibility is certainly one of its biggest real estate market drivers, it also has a number of very important establishments in its immediate vicinity. These establishments will ensure that any township properties in this area will thrive.

Among them are the famous Aditya Birla Hospital, industrial giants such as the Bajaj Auto manufacturing plant, SKF and Telco, as well as important education establishments like the Indira Institute of Business Management, D.Y. Patil College and Mercedes Benz School.

Of course, the fact that Ravet is so close to the Hinjewadi IT hub is a major factor in terms of property investment potential. Ravet, with its upcoming integrated township, will now offer affordable residential property options for software employees from this software hub, as well as to those from the Talegaon MIDC and Chakan MIDC.

As of now, property rates at Ravet are still extremely rational. Rates at such township properties tend to be slightly higher owing to the fact that they provide their own infrastructure. Because of this, the appreciation potential for properties in such townships is also much higher than in other projects.

Canadian Investments Due to a Weaker Dollar

For a real property investment, dollar weakening is good news.
Considering benefits of the conversion rates that are in favour,
investors from foreign countries are welcome to collect real property
investments in major US cities. So the question arises, who is
purchasing and what is the destination for investments?

Who is purchasing?

The
United States real property market has experienced the largest number
of investments from foreign investors like Canada in recent years.
Canada was the biggest investor in 2004, putting out over 4 billion
dollars for that year.

What is the destination for investments?
Nowadays, because of lowering interests in mortgages and dollar
weakening, foreign investors are acquiring property, residential and
commercial major in all US cities, even including the biggest ad
well-known.

Canadian benefiting into a system

Even the
northern border neighbours, Canadians, are looking for the benefits.
Though the Canadian dollar has unstable positions weaker than the US
positions for years, still many Canadians have their own vacation homes
in the United States, particularly in Arizona. Canadians are the biggest
investors, making the highest volume of US real property market.
Whether purchasing or selling, Canadians are delighting stronger buying
power, while the position of US dollar remains very low.

Some
Canadians, instead of purchasing, are following the example of investors
from foreign countries who sell the current estate of the United States
in preparation for purchasing at a rate even better in cases when the
dollar continues falling.

What is the time of its lasting?

Though mortgage
rates are an attractive draw, they definitely will not remain low the
rest of the time. Nevertheless, such foreclosed properties being low
priced like the financial investment will potentially be lucrative for
investors from foreign countries, while the dollar will still remain too
low, despite only the interest rates.

Investors from foreign
countries mostly are looking for long term profits, including an
increase in the US dollar as a motive to be purchased. Investing, while
the Canadian dollar is strong and the US dollar is losing its positions,
means that the property is available at a relatively small price.
Already some of the foreign countries are seeing a 35% reduction on the
basis of exchange rates that are in favor. Moreover, the goal is to
maintain the real estate until the US dollar has a strong position, and
only then conversion to the Canadian dollar would be high in profits.

With
the accessibility of real estate online, it is becoming easier than
ever for foreign investors to find suitable properties, even without
crossing an ocean. Some of the best bargains, such as seizures, can be
searched and bought even without arriving to the United States. In such a
way it makes investing in the United States real property a great
possibility for foreign investors, regardless of the place they reside,
particularly Canadians.

So consider all pros and cons in
purchasing real estate in the United States and define the aim of buying
property that will make a final step in investing money.

Do Invest In Pancard Club Investment Scheme

There were many comments about the program Pancard online investment club in recent years. The program began in the early 90’s in Pancard Clubs Ltd. This system has become so popular that it attracts more customers expect.
Regime justified its members to host individual hotels and resorts owned. List of hotels and resorts listed in the program led Panoramic Universal Ltd started the confusion here. Everyone was sure how they can use their rights in hotels and resorts managed by another company. Word spread like wildfire and people did not even plan investment Pancard Club marked the fraud. What do they know that Pancard Clubs Ltd is a subsidiary of Panoramic Universal later, when the feeling prevailing in the members agreed that responded to these rumors?
After five years down the line was even a rumor in this case, the complaint was filed on the Internet by those who shouted the figure. The complaint was published in several consumer forums. Adam published called the company of fraud and accused the company of certain irregularities Pancard Clubs Ltd
If you look at the complaint, you can check the item section. Member complained that he did not receive money to spend on medical care under Medi-claim policy. Did not even mention the hospital, where he was cured. On the other hand, argues that the insurance company does not encourage your application coz you do not understand the rules as needed. Could have been avoided if the member read the terms and documents carefully before investing. Conditions of the document clearly states that in terms of insurance are between the company and the insurance company Pancard clubs should not be responsible for insurance issues.
If you look at the complaint, you can check the item section. Member complained that he did not receive money to spend on medical care under Medi-claim policy. Did not even mention the hospital, where he was cured. On the other hand, argues that the insurance company does not encourage your application coz you do not understand the rules as needed. Could have been avoided if the member read the terms and documents carefully before investing. Conditions of the document clearly states that in terms of insurance are between the company and the insurance company Pancard Clubsshould not be responsible for insurance issues.

We all have a tendency to blame others for our downfall. We know in our hearts that our guilt, but very few people get it. This supports my argument that the program Pancard investment club is the best part is that there are many members who benefit from investment. Moreover, any claim or claim against Pancard club yet.

How Training can Benefit the Cleaning Industry!

Your Internet hub for all things Cleaners “>Currently, commercial cleaning industry is a competitive sector. This is often simply because of the ongoing development of the need for residential cleaning services, professional cleaning services, building cleaning services and many other cleaning jobs. Exactly like any various of industries, commercial cleaning establishments need to work with their most beneficial general performance all the time. This is for the organization to stay alive from the competition. . A number of the job titles in the cleaning industry are custodian, janitor, and day porter. In addition there are cleaning sectors that accept housekeeping services jobs. Nearly all of your team members within the cleaning industries are low skilled because of the possible lack of tertiary based classes for this kind of job. That’s why the majority of the cleaning businesses provide an on-the-job teaching for the newest employees. There are also some corporations which are sending their workers or staff for particular classes conducted by training specialists. However, you will also find establishments who may have not realized the necessity of education for their staff in cleaning staff recruitment agencies. Just what are the positive aspects that a cleaning organization could possibly get from training course? Training reduces harm to customers, properties and increase client satisfaction. It can also help to promote employees safety specially when using cleaning chemicals. Training assists the employees comprehend the priorities of the industry. Training enhances the staff’s professionalism. An on-the-job training will not be always enough to enlighten employees about professionalism, reliability and housekeeping in Melbourne. If they are offered the opportunity to attend a training participated by other people and held by professional instructors, it helps them recognize deeper the essence of professionalism and reliability. Training offers opportunities for any participants to educate yourself about interesting things. For example, training can instruct a cleaner,cleaners,janitors,custodians in regards to the new delicate surfaces in homes which might be turning up today. Training aids the cleaning sector teach their staff about using different cleaning chemicals. Training can help the industry reduce the costs of chemicals, assure the safety of the employees and improve the professional house cleaning quality. If the employees is well experienced in his job, he is able to be much more than simply a laborer but a specialist to his clients. Training can be useful for boosting the morale of your staff. When the companies are helping the staff to extend their skills, they should be more motivated to perform at their best. Through trainings, the cleaning industry are able to keep pace with all the a change in the organization. Training can provide new developments, procedure or techniques coupled with regulation. These improvements are necessary to ensure that this industry to remain competent or in compliance. Training supports best operation from workforce through sharing beneficial habits. Training maximizes morale, boosting productiveness and maintains very high quality of home cleaning jobs. The management of a cleaning industry must bear in mind that the provider will benefit from whatever improvement in the skills of the employees. It is crucial to have an industry to enhance its resources and one of the important resources is all of the man power using a labouring agency. The individuals need to be enhanced too! Training certainly will pay off.Your Internet hub for all things Cleaners

Austrian Philharmonic Silver Coin

Ever since the economy began to decline, precious metal values have gone through the roof. Gold and silver are the commodities of the decade, and probably will be for quite awhile longer. If you have been interested in investing in gold or silver, you need to make the right choice. First of all, you need to find gold/silver that is pure or close to pure. Precious metals tainted with too much standard metals cease to be precious, and their value drops like a rock. A great choice for investment is the Austrian Philharmonic Silver Coin. This popular coin was released shortly after the Gold Philharmonic, and mimicked much of the Gold coins popularity.

The Austrian Mint currently produces the Austrian Philharmonic Silver Coin, and the coin has only been released to the general public in very limited volume. The coin is very similar to the Austrian Philharmonic Gold Coin, and offers the same investment security as its golden cousin, at a much lower price. Silver continues to rise in value just as gold does, and is ideal for those who do not want to spend too much.

The Austrian Philharmonic Silver Coin consists of 100% pure silver. This means that each 1 once coin is 1 ounce of pure silver. This is NOT solid silver. Solid silver is a term used by many coin dealers to trick people into thinking that it is pure. Solid silver means that the amount of silver found in one section of the coin is the same in every area, or in other words, it is an even mix of silver and whatever other metal is used. Keep in mind that the Austrian Philharmonic Silver Coin is bullion, and not just a normal collectors item. Bullion is a valid investment as it provides stability that even money cannot buy. Several people who used to swear by stocks and funds now have turned their attention to bullion and raw metals in order to steer clear of the incredibly volatile stock market. Also, as more people buy bullion, the price will go up. So, if you have been planning an investment, now is the time.

This coin is loved by many, and for good reason. It is a beautiful coin, and on top of that, it is a solid investment. The Austrian Silver Philharmonic coin, with its international backing familiar design, is a truly great alternative investment to any conventional investment you may be considering.

Get Investment Options For Monthly Income

Investment plans have been gaining great importance in the recent times because these plans have been providing additional income or can become future source of income to the plan buyer. Nowadays, with high inflation rates, income for most people is not being sufficient and it is forcing us all into looking for alternative sources of income. One of them has been to opt for investment options.
Investment planning today is on most peoples minds because of the seeming advantages of opting for them. One of the major advantages of investment planning is that one can secure income for the future. As there is a uncertainty when it comes to future, it is good to have a backup plan for ourselves instead of relying on anybody else.
Nowadays, there are many investment planning options open to people from the far ends of the spectrum. People falling under lower income groups as well as high income groups can take buy these investment options or investment plans. Some of the investment plans provide income on monthly basis apart from becoming a fund or source for income in the future.
For people who fall under low income category, the main concern is to increase the income. But, trying to increase income through investments might not be a good idea as the income would be sufficient to meet all the expenses. On the other hand, they could decrease their expenses and opt for saving which would secure their future.
On the other hand, people falling under high income category, can save significant amounts of their income in the form of investments or savings and can create a fund which can yield additional income.
These days, thanks to the availability of internet, one can easily search for the best investment plan in India. There are certain parameters which can used to judge and arrive at the best investment plan. Nowadays, banks and insurance companies are offering the best investment plan or investment options to people. These investment plans may require systematic or regular payments which can be turned into a worthwhile investment or those people who can invest in lump sum can invest it and gain regular income on that investment.
In the recent times, many people are coming forward to invest in stock markets and at the same time are also looking for means to minimize the risk of running into losses. Thus, there are ULIPs or Unit Linked Insurance Plans. These ULIPs are considered to be the best investment plan in India. These are basically insurance policies which provide the benefits of both insurance and investment at the same time. ULIPs act very much like insurance when collecting of premiums and paying of death annuity or annuity by maturity is concerned. On the other hand, when it comes to investment, premiums paid will be invested in units similar to mutual funds. These units will gain value (Net Present Value) or NPV over a period of time yielding profit. But, one aspect which must be considered is that the scope of running into losses in case of ULIP investment plans cannot be overlooked.
There are also other investment plans which can also be considered as the best investment plan. These include simple FDs with banks, RDs or Recurring Deposits with banks and post offices, etc.
There are safer investment options with India post offices. India Post also provides various investment options ranging from monthly income schemes, recurring deposits, national savings certificate, etc. These are low risk but best investment plan in India and provide low return in the long run. So, it is up to the investor who either wishes to make high profits can choose high risk investments or he could choose low risk low return investments where the principal amount is safe but the return would be lower.