Investment
« Previous EntriesUS Money Market
Wednesday, June 17th, 2009Americans do spend a lot. Each time the Federal Reserve Bank cuts the interest rate, the best signal to Americans is to increase the credit and spending. Standing on the economic point, we spend our future money. Can and do we make the future money can’t be answered. So what are we going to spend? [...]
Home Renovation, things to consider when designing
Friday, June 12th, 2009This is not an all-inclusive list but it’s a start. Experts start regaling you with talk of a ‘gourmet kitchen‘, ‘double-volume interiors’, ‘designer this and designer that’. It is very seductive language, but at the end of the project, you may find that you have lost sight of the bigger picture. When designing, consider the [...]
How much do you be aware: Mortgage Bond Finance continued
Friday, June 5th, 2009Interest rates
Once the bond is approved, offered and accepted by the applicant (who now becomes the mortgagor), the question arises as to when interest payments to the building society should be made. Interest on building society bonds is normally paid monthly in arrears but the first instalment in the case of existing properties can vary [...]
The value of Collateral Security in Mortgage Bond Finance
Friday, June 5th, 2009In cases where the loan advance is to a woman, the husband is normally required to act as a guarantor and an unmarried woman will probably still require a male guarantor. But, again, this very much depends on prevailing circumstances and a professional woman or one who has a substantial income can usually get a [...]
What Kind of Property for small Investor?
Wednesday, May 27th, 2009When considering the purchase of investment property it must be emphasised that property is essentially a long-term investment. Its inherent characteristics of slow steady growth and low volatility make it dull and generally unspectacular.
How can I make money simple by Investing in Property?
Wednesday, May 27th, 2009My experience has been that well located, actively managed property will, in the long term, out-perform every other investment.
Property has certain unique characteristics that can combine to make it the best investment under the right circumstances. However, there are also certain negative considerations and these should be carefully weighed up before a decision to purchase [...]
Tenant Problems
Wednesday, May 20th, 2009If you manage the property yourself you have the problems of collecting rents and it is very easy to become emotionally involved in the tenants‘ problems. I remember going to collect overdue rent from one of my own investment houses and discovering that the husband of the female tenant had just deserted her and her [...]
Choosing an Investment Property
Wednesday, May 20th, 2009Demand is the key to property investment so pick something which has factors that will create a demand from people who want to rent it. If buying a rental house, look for a quiet street, proximity to transport, schools and shops, fencing and garaging.
Business Rental Leases Pitfalls Continued
Thursday, May 7th, 2009Dilapidations
This is jargon for the cost of the wear and tear on the premises during the occupation of the vendor. The lease will provide for either the landlord or the tenant to repair and redecorate either the exterior or the interior of the premises or both, very likely at stated intervals. You should check your [...]
How Does One Value a Business Property?
Friday, April 3rd, 2009There is no such thing as an exact valuation which holds for all purposes or in all circumstances. It depends on so many different factors. If you compare two apparently similar businesses, one may have serious flaws which make it expensive, compared to the other. Here are some of the points which affect the value.
Freehold [...]
Save your Advertising Investment Budget
Friday, April 3rd, 2009If you invest into your current business so much, but you haven’t get any result on it. You should stop and rethink about it. Is the investment you have made on the sound background? Or did you just blow your money away? Investment on your business is a very important step leading on the success [...]
Buying a Shop
Wednesday, March 25th, 2009All that glitters is not gold
Very few businesses offer good money for short hours and no previous experience. If you think you are on to such a chance, you are probably blind to the problems. You should do all you can to check with others more knowledgeable than yourself. The economics are obvious; if it [...]
House and Home
Monday, March 23rd, 2009It is bit hard to sell houses in the market right now. 12 months ago, the house price was sky rock high. So many people hesitated to put their house in the market. Finally, they had the crushed real estate market. Many families can’t face the suddenly decreased house price. Many wondered whether they should [...]
Obtaining Mortgage Bond Finance Continued
Sunday, March 8th, 2009Banks
Given the high degree of competition that exists in the banking sector, the recent entry of Barclays National Bank into the home mortgage bond field probably heralds similar moves by other banks. It also appears to mean a great improvement in bond availability, with money being available when the building societies have little to lend. [...]
Cost Comparisons for Central Heating/ Hot Water Systems continued
Thursday, February 26th, 2009Oil
Oil prices rose significantly a few years ago as a result of political conditions in some oil-producing countries, and have remained uncompetitive since. An option where gas is unavailable. The installed system is the same as for gas or solid fuel, ie a ‘wet’ system—only the boiler is different.
Price and Size, Make the right Buy
Friday, February 13th, 2009Price
In most cases, price is the all important figure in the formula adopted to reach a decision, but it is still very much a variable. A house costing say 80 000 means different things financially to different people, depending on the prospective purchaser’s capital, salary, employer and the nature of financing agreeable to the seller. [...]
Location，Make the right Property Buy
Friday, February 13th, 2009Location is not so easy to rate as every city on earth has a range of suburbs from the best to the worst and any assessment is clouded by changing value judgements and the opening of new townships. In most cases, it is not too difficult to determine the poshest, and at the other extreme [...]
Private grounds, the Detached Home
Friday, February 13th, 2009The goal of the average family by and large is to possess its very own home on its own private grounds; a place where the kids can play in safety with their pets, where the barbeque can be brought out in summer and where everyone can potter about in the garden.
The Detached Home
Wednesday, February 4th, 2009The goal of the average family by and large is to possess its very own home on its own private grounds; a place where the kids can play in safety with their pets, where the braai can be brought out in summer and where everyone can potter about in the garden. It is going to [...]
Home Improvement Analysis, Restoration or Modernization/Renovation?
Sunday, November 30th, 2008One of the first decisions you are going to have to make when you take possession of your home is whether you are going to restore it or modernize it. This will determine your outlay on renovations and will depend entirely on the house. Does it have sufficient character, is its design suitable, does it [...]
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