Fastest Money Making Business In India

India is a beautiful country, full of contradictions and contrasts, with abject poverty living side by side with affluence. It has an ancient civilization and culture, and a rapidly growing young educated population.

Now, however India has come into the forefront for many more reasons. For the last few years the IT boom in India and the amazing technological advances here have fuelled a massive interest in most sectors. It has become the hub for most software development, and the outsourcing industry has seen foreign direct investment rise manifold. This has led to a rise in all ancillary sectors and has been responsible for the real estate sector becoming one of the most lucrative investments in India.

As in everywhere else in the World, property development in India can be classified into two sectors the commercial and the retail sectors. There are a few paradigms which are unique to the Indian sub-continent and which need to be taken into consideration before any investment into real estate.
India is a large country, with an even larger population. Real Estate, especially in the metro and urban areas is scarce and is mainly driven by demand. Until a few years ago, it was the stronghold of a few, most of it was owned by individual owners and there were almost no large corporations or conglomerates involved in this sector.

Real Estate was bought and kept for generations as easy buy and easy sell systems did not exist. Even now 99% of Indias urban middle class will buy a property only once, and will probably live in it all their lives.
Even if anyone wanted to buy more real estate loans have been difficult to come by, and the interest rates were too high. The young lived with their parents, or in rented accommodation. Rents took a large chunk of their earnings, but the prohibitive interest rates, and scarcity of land prevented them from buying their own homes.

Commercial property was also very scarce. In the large metros such as Hyderabad and Secunderabad, there were very few fully developed commercial complexes and the satellite towns had not yet come into their own.

Property Market

Today the scenario has changed amazingly, to the benefit of all those connected with India. For the last few years everyone in India has been talking about the property boom in the metros. However the sale price of large properties in the heart of Hyderabad, has stunned even the most optimist of investors. An amazing $100 million dollars for a relatively small property of 5 acres seemed unrealistic, but as days went by everyone realized that the property boom in India had finally arrived and would stay for a long period of time.

There are many factors that have propelled this change – all interconnected and mostly driven by the boom in the technology sector and the rapidly growing urban middle class. The rise in foreign direct investment, an economic growth rate of over 7%, rising salaries and a loosening of the stringent lending regulations have given rise to a real estate market which is expected to show a growth rate of 25% annually.

In the retail sector or the residential sector, the boom has been just as great. The mortgage rates at 7.5% to 9 % are among the lowest in the world. The satellite towns of Hyderabad, Vijayawada, and other metros have sprung up very quickly, and most developers have bought large tracts of land. These are being built into highly affordable apartments to cater to demands from the young affluent executives. The entry of large corporations into the residential sector has led to a rising of standards and a more efficient infrastructure.

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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.

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Property Investment Vs Property Speculation

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.

Real Estate Business Card Printing

Referring as no real surprise to me that Real Estate business card printing, bills . varieties of marketing and branding oneself like a Real estate professional, carry on and be noticed for a ‘must have’ tool! Presenting an enterprise card for your client may be the easiest method to feed with your contact info, but if you have a excellent and/or unique card, it may also be methods to differentiate themselves from everyone else and truly make it easier to brand yourself as being a professional whom people can trust to achieve the completed!

Business cards have been available for a long period, even though there’s only so much new which can be done on such a small sheet of foolscap, I’m still impressed by the frequency of which I see real estate business cards under when using the space given during this small, yet valuable sheet of paper! Leading from the card would be wise to contain information, this is a given! What is not at all times as obvious though is the fact the single best photo, preferably a cutout, can help to get you noticed like a Broker. After you convey a photo for a card, be sure it is a good, premium quality photo. Lover cutout photo, ensure that you are not cropped to close to associated with the frame because it grows more hard for also a skilled designer to really make the cutout look nice. Most crucial though will be to you should definitely begin with a superior resolution image. Don’t even think that because it’s such a small notepad that you can get away which has a small, low res image! The bigger the quality the more effective!

Finally, you should look at adding a here we are at your card rather than just leaving it blank. Again, frequently Brokers with business card printing that have a blank back. Here is another great place to add a designated section for notes, an amortization schedule or to reap the benefits of technology such as a QR code! An empty back is obvious, but adding something extra worthwhile is a second great way to you could make your card jump out which help once more to coverage!

So don’t just think about your cards as the next ‘thing’ you’ll want, make the most of how it is as well as what it can do to suit your needs along with your marketing! Don’t forget that your chosen Real-estate business cards are suppose to look sharp and be noticed, so don’t neglect to have fun with your design and also be a bit different!