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			<content:encoded><![CDATA[<p>				A look at e-commerce platforms Part VSin ...

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<title>Determine Creditworthiness As Creditors and Cash Advance Lenders Do</title>
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<pubDate>Tue, 18 Jul 2023 03:37:01 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Online payday loan]]></category>
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<description><![CDATA[If you were approached by someone and they expressed their need to borrow a chunk of money from you, what would be the first thing that runs through your mind? I may stop and think about who it is I’m talking to, what they need the money for and most importantly, will I see that [...]]]></description>
<content:encoded><![CDATA[ If you were approached by someone and they expressed their need to borrow a chunk of money from you, what would be the first thing that runs through your mind? I may stop and think about who it is I’m talking to, what they need the money for and most importantly, will I see that money come back to me? If this person is known to ask for money with little to no chance or returning what they borrowed, I would lying if I said I might just lend the cash. I’m not a financial institution nor am I a cash advance lender, but I like to think about someone’s credit worthiness before I hand out my hardworking money.Emergencies are thrown upon us and if there is no cash to cover the costs, it can send a person into a panic for quick money. Someone’s creditworthiness is more than just a creditor’s opinion. I know a few people who go to friends and family looking for a handout. It is always presented as a request for an emergency loan, but knowing who they are and how other “loans” turned out, it is not unjustified to think that lending money to people like this is interpreted as a “hand out”. It definitely is a hard decision when it concerns a family member or a personal friend. Relationships are strained and tensions build. An online cash advance lender will not pry into credit history, but they will learn whatever they can about the applicant through healthy bank accounts. Once creditworthiness is determined, the applicant will receive their answer.Creditworthiness is defined as the ability to meet debt obligations. Individuals and companies are ranked by creditors using credit scores and history to determine their ability to pay back debt. Credit behaviors are watched closely. Does a person payoff one type of debt and let others slide?? Are there certain times of the month in which dedicated money is spent elsewhere? Offering someone a personal loan knowing that the bankruptcy has been discussed may not be on your best interest unless of course you have money to spare. Personal loans may have an advantage by knowing inside information to the borrower’s finances. They may also have a disadvantage if the borrower is not upfront about all their prior debt. So many varying factors involved:*Is there a medical emergency?*Does the person have a side job which supports income that is not reported?*Are there other people helping?*Has the person relied upon cash advances or payday loans?*How many other individuals are owed money?Creditors have access to lots of information, but will not be aware of short-term loan usage unless it is reported as a default loan by a collections agent. The cash advance lender will only utilize a bank statement to determine creditworthiness. A friend or family member may or may not know more than a creditor. Money relationships sure do get tricky. If you are thinking about lending money, have a Plan B ready to revive your own bank accounts if you do not receive on-time payments or if the loan goes into default. Professional lenders have all the terms and conditions laid out in the contract. It never hurts to plan for the worst in order to protect your own creditworthiness. <a style="display:none;" target="_blank" href="http://jasabacklinkpro.info">jasabacklinkpro.info</a><a style="display:none;" target="_blank" href="http://jasabacklinks.info">jasabacklinks.info</a><a style="display:none;" target="_blank" href="http://kalipakem.com">kalipakem.com</a>
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<title>What is a Solid E-Commerce Solution?</title>
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<pubDate>Mon, 10 Jul 2023 00:33:37 +0000</pubDate>
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<category><![CDATA[Uncategorized]]></category>
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<description><![CDATA[A look at e-commerce platforms Part VSince the birth of the electronic commerce models of the 1980′s there has been a staggering drive towards the marketing and retailing industries that have surpassed anyone’s expectation. With a multitude of different businesses that now rush to conduct their business on the great Internet superhighway, also come a [...]]]></description>
<content:encoded><![CDATA[ A look at e-commerce platforms Part VSince the birth of the electronic commerce models of the 1980′s there has been a staggering drive towards the marketing and retailing industries that have surpassed anyone’s expectation. With a multitude of different businesses that now rush to conduct their business on the great Internet superhighway, also come a huge number of obstacles. These obstacles challenge the many companies that thrive to create the perfect combination of answers to differing business models.To begin developing a solution to any obstacle, it has to be closely analyzed to ensure that the solution completely remedies the situation. Some companies opt to specialize in certain areas in order to avoid being overwhelmed by too many of these obstacles. Still other companies find the necessary combination of specialists to devise the solution to many of the problems and develop a solution for a wider issue.By narrowing the amount of business models to work with, focus is also sharpened to a less cluttered field, thus, allowing the developers to concentrate on the core solution to the problem but also limiting the distractions to others. The e-commerce industry as it is today, requires a wider approach to resolve issues that arise on a daily basis but also needs companies that include the client in this resolution. Every day the call for newer, faster, and more complex problems arises in each area of the industry. To start tackling these there are many things that an e-commerce service provider must take into account.The business modelWhen finding a solution to a vendor’s problem, the point that should be addressed is the identification of the individual business model. By identifying the business model there are so many questions that are answered and this narrows complications that can arise. The approach to a specific business model differs between businesses and in order to tailor the solution to the client the approach itself will be unique. This is also the first step with many service providers to give the client an impression of the customer service that they can expect.While talking to the perspective client, be informative and most of all know your product and services. There is nothing that turns a potential client to a competitor as a customer service representative that does not know the services. In order to appeal to the client, you most know in detail the array of services that you can offer and how they will benefit them. This impresses people and they tend to listen longer giving you more time to show case how your services can help. Ensure that your delivery is very clear and well spoken and free of idioms and localized phrases some can be misunderstood and even in some places offending.The CompetitorsWhile gathering the information from the vendor, be able to discuss business with a similar business model and the benefits that they will receive. Discuss direct and indirect competitors and what they are doing for their business. All of the information that can be used to understand the vendor’s competition will help to provide the most comprehensive solution for their e-commerce business.The E-Commerce PlatformWith the information in hand a complete platform can be compiled to specifically resolve the requirements and needs of the vendor. There is no one fix for all but a customized and personalized solution. This platform should include complete features to cover payment methods and options, promotional tools, security and guarantees for protection, and the personalized customer service that will prove to be extremely beneficial.This is only a short list of the many features available from the leading providers but it is meant to raise awareness of what is needed to effectively and successfully compete in today’s market. To find a complete and comprehensive e-commerce solution for your e-business, research all of these features and fit them you’re your business model. 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<title>From a Corporate Slave to Building an Online Business – How to Make the Big Leap</title>
<link>http://dpopovams.info/49</link>
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<pubDate>Fri, 12 May 2023 23:52:47 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<category><![CDATA[best business ideas]]></category>
<category><![CDATA[best online business]]></category>
<category><![CDATA[best online business ideas]]></category>
<category><![CDATA[best online business to start]]></category>
<category><![CDATA[business ideas]]></category>
<category><![CDATA[how to make money online]]></category>
<category><![CDATA[make money online]]></category>
<category><![CDATA[online business]]></category>
<category><![CDATA[online business from home]]></category>
<category><![CDATA[online business ideas]]></category>
<category><![CDATA[small business ideas]]></category>
<category><![CDATA[start an online business]]></category>
<category><![CDATA[start online business]]></category>
<category><![CDATA[starting an online business]]></category>
<guid isPermaLink="false">http://dpopovams.info/?p=49</guid>
<description><![CDATA[The world wide web has indeed become the hub of multi-millionaires whose main income is through Online Marketing. The genius of working online is not limited to your background education, age and your social status, or even your geographical location. The internet provides everyone with equal chances of succeeding and making it big time. I [...]]]></description>
<content:encoded><![CDATA[ The world wide web has indeed become the hub of multi-millionaires whose main income is through Online Marketing. The genius of working online is not limited to your background education, age and your social status, or even your geographical location. The internet provides everyone with equal chances of succeeding and making it big time. I know a lot of people who are younger than me (and most of them are college dropout or people with humble beginnings) and yet they have a bank account with huge earnings like that of Donald Trump. Who would have thought that even a high school student has now equal chances of making money online as that one who graduated with a Masters degree? What a funny world we live in. But surprised as you may be, this is after all the information age – the one who has the information is always going to be ahead of the game and will get rich faster. Donald Trump has built his business empire for years (with sweat and tears). The good news for us is we can do the same with less the sweat and tears and with less amount of time (and just counting months to see the $ instead of years!). Don’t ever think that working online is just a piece of cake. It is not what others made you to believe. It is not as easy as a-b-c! But it is indeed more simple than slaving yourself in the corporate world.So how can you jump-start your online business while you still have that 9-5 job? What is the best game plan? First, evaluate how many hours you can spare a week for online marketing. It could be 4-8 hours a week. It is up to you. You can work at your own pace (as long as you are consistent). The second step is to find a business model for your online business. It is important that you follow one business model until you succeed. Don’t stop until you have not done everything in the blueprint. If during the process you feel that the business model is not suitable for you, just continue and finish it anyway. The biggest mistake that an aspiring online marketer can make is jumping from one program to another – hoping for the easiest and quickest way to make money online. Trust me, I have been there and done that and failed miserably. Don’t make the same mistake I made of chasing the next big thing and wasting a year of my career online reading and learning what is supposed to be the best business model out there and not taking ACTION. As they say, the most common newbie sickness is paralysis due to over-analysis.Now how would you know if you have the right business model? We all know for a fact that the internet is full of scammers and crappy programs. My advice is for you to do your research well. Join internet marketing forums such as the Warrior Forum (WarriorForum.com). The Warrior Forum for me is the best forum there is for online marketers. Everything you need to learn about internet marketing is laid out on you and you can ask questions and find answers as well. Just make sure you go through the thread first as your question might have already been asked and answered before. The best thing about making money online is there are a whole lot of options to choose from depending on your skills. You are not limited with only one business idea. There are a lot of good online business models you can choose from. Don’t spend so much time finding the “best” business model or the “best” program as this could begin your journey to the island of the lost newbies. Pick one model and get on with it right away. Don’t look back until you have finished what is laid out in the plan. Once you are done, then you can go ahead and find another business model if you are not satisfied with the first one, or if you simply want to add another source of income. Again, one business model at a time. You can rinse and repeat afterward to multiply your income.Once you are earning a decent amount of money on the internet (i.e. income online is now greater than your corporate salary), you may opt to say goodbye to your 9-5 job. Just imagine how life could be different for you if you can work at your own pace. You can work as little as 1 hour a day and still reap the benefit of your effort. This is what you call business on auto pilot. You don’t have to be there 24/7 to earn the money. That is why they say you can earn money while you sleep – literally. But then again, don’t ever think that making money online can make your rich overnight. Treat this as a real business and I guarantee that you will be on your way to financial freedom. Now get started and take ACTION.
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<title>How Does Fashion Influence the Lives of Students?</title>
<link>http://dpopovams.info/43</link>
<comments>http://dpopovams.info/43#comments</comments>
<pubDate>Tue, 21 Mar 2023 09:34:54 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
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<description><![CDATA[This is an era of fashion and fashion is very influential to our lives. In fact, it adds diversity to our lives by offering an aspect of enthusiasm to strive for something new and different, otherwise it would be a monotonous life if we were supposed to dress up and act in the same manner.Fashion [...]]]></description>
<content:encoded><![CDATA[ This is an era of fashion and fashion is very influential to our lives. In fact, it adds diversity to our lives by offering an aspect of enthusiasm to strive for something new and different, otherwise it would be a monotonous life if we were supposed to dress up and act in the same manner.Fashion is an expression of a distinctive style particularly in clothing, footwear, accessories or makeup. It belongs to the style of doing something, looking different and dealing with others. It encircles a wide range of categorization like behavior, speech, actions, manners and lifestyle. There is much intellectual discussion over fashion and clothing and their importance within present day society. Fashion and clothing can be defined as many things that hold our society together. Fashion can be defined as an existing norm or style of dress, manners and way of socializing, whereas clothing is defined as garments collectively. If fashion and clothing were eliminated from our lives there would be no room for individuality and the world’s population would be the same. There also would be a loss of the distinctions between social classes, which was much defined in the 18th century but is still present today. The eradication of fashion and clothing would also change the dynamics of the social world and social relationships.Mod, short form of ‘modern’, refers to a youth lifestyle that came out from London during 1960s and quickly spread to other parts of the world. Being fashionable is not only desirable but also satisfying. It is very usual that the young students get attracted to fashion the most and start following the trends instantly so fashion influences our youth strongly. Fashion continually has an impact on the society. It affects our views and attitude towards social culture. We introduce new ways of lifestyle through fashion and create awareness within ourselves to reinstate a new line of customs. It is a leading social statement for students to make an outside appearance to their social circle. Malcolm Barnard says in his book Fashion as Communication, “Fashion and clothing have always been explained as forms of communication” (39). Students use fashion to exchange their feelings and beliefs. They use fashion as a way of social contact with reference to scrutiny for all sorts of people. Fashion is a way of communication to convey with the world what their personality really says.The decade of 1920 is called the Age of Flaming Youth because of its wild and jazzy expression. In this period the energy of youth was set free in a new way and no style seemed too ridiculous to become a high fashion. Our world has globalized. Celebrities play very important role in the lives of youth. Students look up to their favorite icons to keep themselves up to date. While watching television or using internet, they can easily be attracted by a variety of fashionable concepts. Moreover, the students idealize their favorite celebrities and they always have a desire to look like them so they do their best to imitate the appearance and lifestyle of their idols. They are trying to grasp all the existing fashion from their society to enhance their personality. Whenever they socialize, they talk about new things which could be adapted. They use non-natural way of expression, speech and mannerism in their routine lives which is relatively artificial.In my point of view, there are two categories i.e. positive and negative impact of fashion on students.The fashion in our society has a lot of negative impact on students. They only think about new fashion and this result in spending of a large amount of money. Therefore, they are not able to become aware of other important needs of life. It always distracts them from studies. Once a style or fashion gets in a trend, it is instantly chased by student community regardless of the fact that how much hassle it leads to. On the other hand they are caught in the confusion of fashion due to impact of society. To follow a certain fashion, one has to adopt some actions and to do so some students go beyond their limits just to attract their surroundings. Eventually they become hopeless instead of being ingenious and suffered from depression for being within fashion. On the other hand, it is also a thought that the money spending on Fashion could be spent for various other purposes like charity and helping the poor.Fashion creates an inaccessible standard for students. They all want to be attractive and glamorous like the celebrities on television or in magazines hence they spend a lot of time and money just to build up a good impression on people around them. However, they fail to make a statement most of the time that leads to a low self esteem. It also creates a clash of thoughts between them and their friends that may lead to jealousy factor and as a result ruin their relationship with friends. Students start judging people by their outlook appearance and those who cannot spend sufficient amount on their outward look, eventually become persecuted which decreased their confidence level to certain extent.Students who give more concentration to fashion are generally least conscious about their studies. They think that by adopting certain fashion trends, they will achieve certain distinction among the peers therefore they start giving less importance to their academic careers.There are some positive points of being fashionable as well. For instance, when teenagers feel good because of the way they look, it gives a high sense of worth and confidence in their personalities. Moreover they feel more independent and acceptable in a social context. If students follow a certain trend, it facilitates them to recognize their own personalities by meeting different people from the society with the same interests and sense of style. Wearing trendy clothes shows a person’s status. People assume a person more progressive if he is wearing fashionable clothes. Malcolm Barnard says in his book Fashion as Communication, “Fashion and clothing have always been explained as forms of communication”Students eventually come to know that it’s not good for them to follow or imitate others all the time. Instead, they should learn how to be innovative and make their own sense of style. That helps them to be more strong, independent and imaginative. Fashion is the name of expressing oneself.It proves that the people have liberty to feel comfortable about themselves and that results in a more successful and prosperous society.Fashion is a form of art and because art is beneficial to society so same goes for fashion as well.Fashion is a big reason for companies to invest more into the expansion of latest clothing, trends, and better living. We cannot disagree with the fact that fashion has a significant place on the life of every student. At times, it can be the source of things that make the life more pleasant. On the other hand, it can be destructive for the lives of certain people. So it’s better to keep yourself modernized with fashion but if it is damaging your academic performance by any mean, you should keep yourself away from that. Generally, fashion can be entertaining, exciting and harmless. Fashion is a money making method that can provide employment to thousands of people.There should be stability in the lives of students while pursuing fashion. They should be aware of the fact that the fashion within limits is admirable but when the limits are crossed, they have to face many problems. Their prime responsibility is to fill up themselves with the asset of knowledge instead of running after the wildness of deceptive fashion world. There should be a right balance between being fashionable and getting away from our roots. Students should know the fact that they have maximum time to indulge themselves to the world of lavishness after they completed their studies.So they should give their utmost devotion to education presently for time and tide waits for none.Being trendy and fashionable is just our own wish, no one can force us to do it and it’s our own decision that how much and what type of fashion we prefer according to place and requirement. Though this time of 21st century in Pakistan mostly people are affected by glamorous world and style of fashion but still they have not forgotten our traditions and culture which is the priority and symbol of our country.
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<title>Three Types of Credit You May Not Know You Have</title>
<link>http://dpopovams.info/41</link>
<comments>http://dpopovams.info/41#comments</comments>
<pubDate>Mon, 20 Mar 2023 14:10:49 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
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<description><![CDATA[Every business has three types of credit: the Consumer Credit of the business owner, Bank Credit, and Business Credit.Most business owners are familiar with their consumer credit. This is credit that reports to the consumer credit reporting agencies TransUnion, Equifax, and Experian. Scores range from 350-850, and credit is linked to the owner’s Social Security [...]]]></description>
<content:encoded><![CDATA[ Every business has three types of credit: the Consumer Credit of the business owner, Bank Credit, and Business Credit.Most business owners are familiar with their consumer credit. This is credit that reports to the consumer credit reporting agencies TransUnion, Equifax, and Experian. Scores range from 350-850, and credit is linked to the owner’s Social Security Number.Most business owners don’t know that banks have their own internal scoring system for businesses. This scoring system is known as bank credit, or a bank rating.
This score is based on how you manage your business bank account. Having $10,000 or more in your bank account will give you a good bank credit score.A business also has its own credit profile, known as business credit. Business credit reports to the business credit reporting agencies, Dun & Bradstreet, Equifax, and Experian. Scores usually range from 0-100, and credit is linked to the business EIN number, not the owner’s SSN number.Business credit provides a lot of benefits. For one, it has no link to consumer credit, so no personal credit check is required, and accounts don’t report to the consumer agencies.No personal guarantee is needed in most cases, so you won’t be personally liable for your business debts. Also, credit limits are 10-100 times higher than with consumer credit.With consumer credit, just because you have an SSN doesn’t mean you have an established credit profile.To get a consumer credit score and profile, you first must: get approved for accounts that report to the consumer reporting agencies, use those accounts, and pay your bills for those accounts, then and only then will you have an established credit profile and score for your SSN.Just like with consumer credit, just because you have an EIN doesn’t mean you have an established business credit profile and score.To get a business credit score and profile, you first must: get approved for accounts that report to the business reporting agencies, use those accounts, and pay your bills for those accounts, then and only then will you have an established credit profile and score for your EIN.Entrepreneur.com reports that 90% of business owners know nothing about business credit. Business credit is usually reserved for established businesses, or those that meet a certain criteria for approval, and often is used by companies big enough that they have a CFO.You can build business credit and get a good score QUICKLY! Having business credit increases the value of your company, and you won’t need financials or collateral for approval.Any business can actually establish business credit, but the key to success is knowing the formula for success, knowing what steps to take and in what order.
Business credit isn’t highly promoted in stores, or with cash credit sources, so usually only larger businesses take advantage of it.Credit issuers and lenders like it this way, because usually those larger companies are more established and have less of a risk of default, although it’s not actually the size of your company they look at for approval.To get approved your business must pass a test that shows the credit issuers and lenders that you are credible, no matter your size.If you pass this test and are credible in their eyes, you’ll be approved for business credit. Many times you get approved automatically by their computers without someone manually reviewing your application.Business size and how long you’ve been open aren’t really the driving factors for your approval, but passing this test is.This means even if you just opened your doors yesterday and have little or no revenue, you can still be approved with most business credit sources… as long as you pass their test.You must have a physical business address, or use a virtual address. You’ll need to have a business phone number, preferably a toll free number, and it’ll need to be listed in 411.You’ll need a business fax number and you should have a professional email address, and website. You must have the proper licenses for your business, industry, city, county, and state and you need an EIN, entity setup, and bank account.There are actually 20 items on this test that will be reviewed, but you now know some of the most important factors that credit issuers and lenders review.When establishing business credit, there are actually three types of credit you can get: vendor credit (starter accounts that offer Net 30 terms), store credit (revolving credit cards available in retail stores), and cash credit (revolving credit cards such as Visa and MasterCard that card issuers or banks approve you for).The biggest mistake entrepreneurs make when building credit for their business is that they try to apply for store or cash credit first, and skip vendor credit.But stores and banks will NOT approve a business owner for credit until their EIN credit profile and score are established. If you try to apply for store or cash credit without an established business credit profile and score, you’ll be denied… 100% of the time.You must get approved with vendors first who offer Net 30 terms. After you use those accounts and pay your bills, the accounts will get reported to the business credit reporting agencies.Then and only then will you have an established business credit profile and score. Once it has been established, you can begin to be approved for store revolving credit.You should seek out vendors who will approve a business for credit, even if none is established yet. There are actually many vendor sources who are well known for this: Uline, Quill, Reliable, and Laughlin and Associates, just to name a few.To start business credit, you first should get approved for accounts with these vendors.Some will require you purchase their products first and some will have you make three orders and pay before they’ll issue you a line-of-credit. But all of the sources I listed will approve a brand new business, even if you have no credit now.You’ll want to insure you have a total of five payment experiences reported before you even think of applying for store credit. A payment experience is the reporting of an account to a business reporting agency.So Quill, for example, reports to both D&B and Experian. That means that one account will count as two payment experiences. Laughlin only reports to Experian, counting as one payment experience.Once you have five payment experiences reporting, you can begin to secure revolving store credit cards for your EIN.KEEP IN MIND, all applications will ask for your SSN but you do NOT need to provide your SSN on the application. If you do supply your SSN, they WILL pull your personal credit… and if it’s bad your application will be denied.When you leave the SSN field blank, they’ll pull your business credit. Once they see that you have business credit established and at least five payment experiences reporting, then you’ll start to get approved for store credit.Most major retailers do offer business credit as well as consumer credit. Staples, Office Depot, Home Depot, Lowes, Target, Walmart, Costco, Sam’s Club, Radio Shack, Best Buy, BP, Chevron, Amazon, Shell, and most other stores, offer business credit.Some sources like Home Depot might have more stringent approval requirements and want to see big revenue and three years in business for approval of no personal-guarantee credit. However, sources don’t have these requirements, if you have credit established for the business.WARNING!!! Do NOT put your SSN on the application. Do NOT apply for revolving store credit without having at least five payment experiences reporting to the business credit reporting agencies. If you do either of these, you’ll be denied or you’ll have to give them your personal guarantee.Once you have a total of 10 payment experiences reported to the business bureaus, then you can start to get cash credit cards. Cash cards are those issued by Visa, MasterCard, even AMEX, and are cards you can use anywhere, not just cards you can only use in one store.It’s recommended that at least one of your 10 payment experiences has a high limit of $10,000 or more before applying for cash credit. Dell is a revolving store source who regularly approves business owners with established business credit for an account with a limit of $10,000 or more.Key Bank and Home Depot are two sources that offer revolving cash credit cards you can use most anywhere; many banks offer these also.When you follow these steps, your business can have an established credit profile and score.This profile and score can then be used to get you credit in your business name, regardless of your personal credit, and without a personal guarantee.You’ll want to continue building business credit, applying and getting more credit, using that credit, and getting approved for higher and higher credit limits.
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<title>The Top 5 Key Benefits of Purchasing and Owning Investment Real Estate</title>
<link>http://dpopovams.info/38</link>
<comments>http://dpopovams.info/38#comments</comments>
<pubDate>Mon, 20 Mar 2023 12:29:28 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
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<description><![CDATA[So… You may ask yourself, why should you buy or invest in real estate in the First Place? Because it’s the IDEAL investment! Let’s take a moment to address the reasons why people should have investment real estate in the first place. The easiest answer is a well-known acronym that addresses the key benefits for [...]]]></description>
<content:encoded><![CDATA[ So… You may ask yourself, why should you buy or invest in real estate in the First Place? Because it’s the IDEAL investment! Let’s take a moment to address the reasons why people should have investment real estate in the first place. The easiest answer is a well-known acronym that addresses the key benefits for all investment real estate. Put simply, Investment Real Estate is an IDEAL investment. The IDEAL stands for:• I – Income 
• D – Depreciation 
• E – Expenses 
• A – Appreciation 
• L – LeverageReal estate is the IDEAL investment compared to all others. I’ll explain each benefit in depth.The “I” in IDEAL stands for Income. (a.k.a. positive cash flow) Does it even generate income? Your investment property should be generating income from rents received each month. Of course, there will be months where you may experience a vacancy, but for the most part your investment will be producing an income. Be careful because many times beginning investors exaggerate their assumptions and don’t take into account all potential costs. The investor should know going into the purchase that the property will COST money each month (otherwise known as negative cash flow). This scenario, although not ideal, may be OK, only in specific instances that we will discuss later. It boils down to the risk tolerance and ability for the owner to fund and pay for a negative producing asset. In the boom years of real estate, prices were sky high and the rents didn’t increase proportionately with many residential real estate investment properties. Many naïve investors purchased properties with the assumption that the appreciation in prices would more than compensate for the fact that the high balance mortgage would be a significant negative impact on the funds each month. Be aware of this and do your best to forecast a positive cash flow scenario, so that you can actually realize the INCOME part of the IDEAL equation.Often times, it may require a higher down payment (therefore lesser amount being mortgaged) so that your cash flow is acceptable each month. Ideally, you eventually pay off the mortgage so there is no question that cash flow will be coming in each month, and substantially so. This ought to be a vital component to one’s retirement plan. Do this a few times and you won’t have to worry about money later on down the road, which is the main goal as well as the reward for taking the risk in purchasing investment property in the first place.The “D” in IDEAL Stands for Depreciation. With investment real estate, you are able to utilize its depreciation for your own tax benefit. What is depreciation anyway? It’s a non-cost accounting method to take into account the overall financial burden incurred through real estate investment. Look at this another way, when you buy a brand new car, the minute you drive off the lot, that car has depreciated in value. When it comes to your investment real estate property, the IRS allows you to deduct this amount yearly against your taxes. Please note: I am not a tax professional, so this is not meant to be a lesson in taxation policy or to be construed as tax advice.With that said, the depreciation of a real estate investment property is determined by the overall value of the structure of the property and the length of time (recovery period based on the property type-either residential or commercial). If you have ever gotten a property tax bill, they usually break your property’s assessed value into two categories: one for the value of the land, and the other for the value of the structure. Both of these values added up equals your total “basis” for property taxation. When it comes to depreciation, you can deduct against your taxes on the original base value of the structure only; the IRS doesn’t allow you to depreciate land value (because land is typically only APPRECIATING). Just like your new car driving off the lot, it’s the structure on the property that is getting less and less valuable every year as its effective age gets older and older. And you can use this to your tax advantage.The best example of the benefit regarding this concept is through depreciation, you can actually turn a property that creates a positive cash flow into one that shows a loss (on paper) when dealing with taxes and the IRS. And by doing so, that (paper) loss is deductible against your income for tax purposes. Therefore, it’s a great benefit for people that are specifically looking for a “tax-shelter” of sorts for their real estate investments.For example, and without getting too technical, assume that you are able to depreciate $15,000 a year from a $500,000 residential investment property that you own. Let’s say that you are cash-flowing $1,000 a month (meaning that after all expenses, you are net-positive $1000 each month), so you have $12,000 total annual income for the year from this property’s rental income. Although you took in $12,000, you can show through your accountancy with the depreciation of the investment real estate that you actually lost $3,000 on paper, which is used against any income taxes that you may owe. From the standpoint of IRS, this property realized a loss of $3,000 after the “expense” of the $15,000 depreciation amount was taken into account. Not only are there no taxes due on that rental income, you can utilize the paper loss of $3,000 against your other regular taxable income from your day-job. Investment property at higher price points will have proportionally higher tax-shelter qualities. Investors use this to their benefit in being able to deduct as much against their taxable amount owed each year through the benefit of depreciation with their underlying real estate investment.Although this is a vastly important benefit to owning investment real estate, the subject is not well understood. Because depreciation is a somewhat complicated tax subject, the above explanation was meant to be cursory in nature. When it comes to issues involving taxes and depreciation, make sure you have a tax professional that can advise you appropriately so you know where you stand.The “E” in IDEAL is for Expenses – Generally, all expenses incurred relating to the property are deductible when it comes to your investment property. The cost for utilities, the cost for insurance, the mortgage, and the interest and property taxes you pay. If you use a property manager or if you’re repairing or improving the property itself, all of this is deductible. Real estate investment comes with a lot of expenses, duties, and responsibilities to ensure the investment property itself performs to its highest capability. Because of this, contemporary tax law generally allows that all of these related expenses are deductible to the benefit of the investment real estate landowner. If you were to ever take a loss, or purposefully took a loss on a business investment or investment property, that loss (expense) can carry over for multiple years against your income taxes. For some people, this is an aggressive and technical strategy. Yet it’s another potential benefit of investment real estate.The “A” in IDEAL is for Appreciation – Appreciation means the growth of value of the underlying investment. It’s one of the main reasons that we invest in the first place, and it’s a powerful way to grow your net worth. Many homes in the city of San Francisco are several million dollars in today’s market, but back in the 1960s, the same property was worth about the cost of the car you are currently driving (probably even less!). Throughout the years, the area became more popular and the demand that ensued caused the real estate prices in the city to grow exponentially compared to where they were a few decades ago. People that were lucky enough to recognize this, or who were just in the right place at the right time and continued to live in their home have realized an investment return in the 1000′s of percent. Now that’s what appreciation is all about. What other investment can make you this kind of return without drastically increased risk? The best part about investment real estate is that someone is paying you to live in your property, paying off your mortgage, and creating an income (positive cash flow) to you each month along the way throughout your course of ownership.The “L” in IDEAL stands for Leverage – A lot of people refer to this as “OPM” (other people’s money). This is when you are using a small amount of your money to control a much more expensive asset. You are essentially leveraging your down payment and gaining control of an asset that you would normally not be able to purchase without the loan itself. Leverage is much more acceptable in the real estate world and inherently less risky than leverage in the stock world (where this is done through means of options or buying “on Margin”). Leverage is common in real estate. Otherwise, people would only buy property when they had 100% of the cash to do so. Over a third of all purchase transactions are all-cash transactions as our recovery continues. Still, about 2/3 of all purchases are done with some level of financing, so the majority of buyers in the market enjoy the power that leverage can offer when it comes to investment real estate.For example, if a real estate investor was to buy a house that costs $100,000 with 10% down payment, they are leveraging the remaining 90% through the use of the associated mortgage. Let’s say the local market improves by 20% over the next year, and therefore the actual property is now worth $120,000. When it comes to leverage, from the standpoint of this property, its value increased by 20%. But compared to the investor’s actual down payment (the “skin in the game”) of $10,000- this increase in property value of 20% really means the investor doubled their return on the investment actually made-also known as the “cash on cash” return. In this case, that is 200%-because the $10,000 is now responsible and entitled to a $20,000 increase in overall value and the overall potential profit.Although leverage is considered a benefit, like everything else, there can always be too much of a good thing. In 2007, when the real estate market took a turn for the worst, many investors were over-leveraged and fared the worst. They could not weather the storm of a correcting economy. Exercising caution with every investment made will help to ensure that you can purchase, retain, pay-off debt, and grow your wealth from the investment decisions made as opposed to being at the mercy and whim of the overall market fluctuations. Surely there will be future booms and busts as the past would dictate as we continue to move forward. More planning and preparing while building net worth will help prevent getting bruised and battered by the side effects of whatever market we find ourselves in.Many people think that investment real estate is only about cash flow and appreciation, but it’s so much more than that. As mentioned above, you can realize several benefits through each real estate investment property you purchase. The challenge is to maximize the benefits through every investment.Furthermore, the IDEAL acronym is not just a reminder of the benefits of investment real estate; it’s also here to serve as a guide for every investment property you will consider purchasing in the future. Any property you purchase should conform to all of the letters that represent the IDEAL acronym. The underlying property should have a good reason for not fitting all the guidelines. And in almost every case, if there is an investment you are considering that doesn’t hit all the guidelines, by most accounts you should probably PASS on it!Take for example a story of my own, regarding a property that I purchased early on in my real estate career. To this day, it’s the biggest investment mistake that I’ve made, and it’s precisely because I didn’t follow the IDEAL guidelines that you are reading and learning about now. I was naïve and my experience was not yet fully developed. The property I purchased was a vacant lot in a gated community development. The property already had an HOA (a monthly maintenance fee) because of the nice amenity facilities that were built for it, and in anticipation of would-be-built homes. There were high expectations for the future appreciation potential-but then the market turned for the worse as we headed into the great recession that lasted from 2007-2012. Can you see what parts of the IDEAL guidelines I missed on completely?Let’s start with “I”. The vacant lot made no income! Sometimes this can be acceptable, if the deal is something that cannot be missed. But for the most part this deal was nothing special. In all honesty, I’ve considered selling the trees that are currently on the vacant lot to the local wood mill for some actual income, or putting up a camping spot ad on the local Craigslist; but unfortunately the lumber isn’t worth enough and there are better spots to camp! My expectations and desire for price appreciation blocked the rational and logical questions that needed to be asked. So, when it came to the income aspect of the IDEAL guidelines for a real estate investment, I paid no attention to it. And I paid the price for my hubris. Furthermore, this investment failed to realize the benefit of depreciation as you cannot depreciate land! So, we are zero for two so far, with the IDEAL guideline to real estate investing. All I can do is hope the land appreciates to a point where it can be sold one day. Let’s call it an expensive learning lesson. You too will have these “learning lessons”; just try to have as few of them as possible and you will be better off.When it comes to making the most of your real estate investments, ALWAYS keep the IDEAL guideline in mind to make certain you are making a good decision and a solid investment.
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<title>Small Computer Desks For Your Home Based Business</title>
<link>http://dpopovams.info/35</link>
<comments>http://dpopovams.info/35#comments</comments>
<pubDate>Sun, 05 Feb 2023 03:15:14 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<category><![CDATA[accounting]]></category>
<category><![CDATA[business]]></category>
<category><![CDATA[companies]]></category>
<category><![CDATA[google]]></category>
<category><![CDATA[near me]]></category>
<category><![CDATA[offices]]></category>
<category><![CDATA[restaurant]]></category>
<category><![CDATA[sale]]></category>
<category><![CDATA[services]]></category>
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<description><![CDATA[When it comes to operating a successful home based business, hard work and dedication go a long way. However, being successful also requires other things as well, including having an adequate supply of inventory if you are a retail seller, degrees and other training certifications if you offer services to clients, and of course the [...]]]></description>
<content:encoded><![CDATA[ When it comes to operating a successful home based business, hard work and dedication go a long way. However, being successful also requires other things as well, including having an adequate supply of inventory if you are a retail seller, degrees and other training certifications if you offer services to clients, and of course the proper equipment for your home based business office. Having a well organized business office requires the right computer desk for your business operations, something that can be challenging when your office is small or improvised – which is common among those who run businesses out of their homes.For these people, small computer desks are ideal, especially if they can turn a small, unusable space into a working area for operating a home based business. for those with extremely limited space, pole computer carts are ideal, as they are able to utilize vertical space. With these types of small computer desks, the screen is mounted on the pole near the top, with specialized shelves for keyboards and printers underneath, and additional shelves near the bottom for the monitor. These “desks” are typically around 24 inches wide, 60 inches tall, and are equipped with locking wheels in order to the mobile.Another good design for home based businesses with very little space for an office are compact, multilevel workspace units. These types of computer desks range in style, with the most compact units being ones with one or two tiers at the top to hold printers and fax machines. Directly underneath would be the main workspace, which would hold the computer monitor and additional equipment such as scanners, speakers, and mice, and a shelf underneath to hold the tower and office supplies. Some units also have additional shelving options that come off the sides, and are designed for a variety of purposes, including holding small office supplies and additional pieces of computer equipment.One of the keys to running a successful home based business is being highly organized and efficient, something that is nearly impossible without a business office. So no matter how little space you have in your home for a business office, there are computer desk options that can neatly fit into even the tightest spaces.
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<title>Tips and Tricks for Online Marketing and SEO – How to Promote Your Business/Website Online</title>
<link>http://dpopovams.info/33</link>
<comments>http://dpopovams.info/33#comments</comments>
<pubDate>Tue, 31 Jan 2023 09:38:06 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
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<description><![CDATA[There are various ways to promote your website online, some of which just need a bit of your time, while others burn a small hole in your pocket. Needless to say, if you can own and build a website, promoting and marketing for it online won’t be much of a pain.So basically, my online marketing [...]]]></description>
<content:encoded><![CDATA[ There are various ways to promote your website online, some of which just need a bit of your time, while others burn a small hole in your pocket. Needless to say, if you can own and build a website, promoting and marketing for it online won’t be much of a pain.So basically, my online marketing strategy revolves around these few points:SEARCH ENGINE MARKETINGSearch Engine Marketing (SEM) refers to an internet marketing technique that involves the promotion of websites by increasing their visibility in search engine result pages. It basically involves two methods:a> Pay Per Click (PPC) advertisingb> Search Engine Optimization (SEO)Pay Per Click is a method of paying a search engine to show your website more frequently in search results as a user searches for a content, while SEO is the method where you actually modify or rewrite your websites’ content manually to achieve higher rankings in the search engine result pages.CONTENT MARKETINGIt is a form of marketing where media and contents are created and published in order to communicate with and acquire prospective customers. The content may be in the form of images, newsletters, how-to-guides, case studies, etc. The main aim of content marketing is not to sell a product directly, but to keep in touch with existing and to-be clients and provide them with needed and helpful information so as to earn their loyalty. The most common and traditional way of content marketing is to write descriptive articles or ad-content on sites like EzineArticles, Squidoo, ArticlesBase, GoArticles, etc. Some of them even pay for writing articles.SOCIAL MEDIA MARKETINGSocial Media Marketing is a way of popularizing an event, product, service, brand or a company with the help of social networking sites. It is an unpaid marketing method because it depends upon the quality of the content and the how much the readers share it. The most common platforms of social media marketing are Facebook, LinkedIn, Twitter, Google+, MySpace, etc. Most of these sites offer a dedicated page for your business that can be used to promote your company, product or service. Furthermore, words of mouth and shares by the users play important role in doing the same.MOBILE MARKETINGMobile Marketing, as it’s obvious from the name, is the form of marketing where cell-phones are the bridge between a company and their clients, or future clients most of the times, where customers are provided with personalized and customized information, offers, or deals about the product or services. There are quite a lot of ways of mobile marketing, but we will keep it just to the most common and most effective methods here.a> SMS: There are a lot of bulk SMS providers that, unlike the telecom companies which have a cap on the maximum number of SMSs sent, allow users to send a large number of SMS and guarantee a delivery. So this bulk SMS service may be used to send messages related to products and services to a large number of users in a very short time, plus, it is highly cost effective.b> App-Based Marketing: As the usage of smartphones increases, use of mobile applications have also increased proportionally. So the concept is to make mobile applications for iOS, android and symbian platforms and distribute them free over the online apps market. Sending Push notifications adds to the advantage as the users receive alerts and notifications on new products, services or information instantly.E-MAIL MARKETINGIt is a method of direct marketing where commercial messages are sent to a group of people using e-mails. The mails may be sent to a database of existing or potential customers with a view to promote a new or old service or product, or to provide a deal or offer so as to solicit repeat business, or instant business. Most of the times, companies send out promotional e-mails where a deal is provided for a limited time and the customers get a discount if they avail of the services or products within that period. Sending online newsletters at periodic intervals also brings a sense of loyalty into the existing customers.ONLINE CLASSIFIEDSThere are a number of online classified sites where we can post advertisements about our products and services for a very small or no price at all. The classified sites may be recognized or active on a local, national or international level. Keeping in mind the Indian online market, the ones that come to my mind are Quikr, Click.in, Olx… and the list never stops. Locanto and Craigslist are two of the giants in international online market, needless to mention that there are a lot more in this category. Each of the ads that you publish in these sites remain active for a certain period and then you have to either renew/repost them, or publish another ad if still required.LINK EXCHANGE PROGRAMSLink Exchange refers to the method where the administrators of two(or more) websites agree to display each others advertisement or link on their own site for their mutual benefit. The method also implies to the process where a number of administrators, or Webmasters register their site on a central website that serves as the host and provides reciprocal links to the participating websites to show on their pages, So, if you register yourself for link exchange programs on such a site, the link to your website will be placed in a number of other similar ranked websites, and in turn, you need to place their links in your own site, simple, isn’t it? Generally, this service comes free of cost as it runs on the principle of reciprocity, both of the parties benefit mutually and almost equally, but at times it needs a bit of your fortune if you opt for premium and fast services.FORUM DISCUSSIONSDiscussion forums are a great way of advertising yourselves to a group of targeted customers. Online discussion forums/boards are present for almost every topic you can think of, so at this place you get a group of people that are actually(and only) interested in the same topic, product or services that you are offering. Thus, all the people present in that discussion are your potential customers, pitch high and bang at the right moment is all you need to do. Google and yahoo also have their own dedicated discussion/Q&A forums, writing and promoting your articles where can fetch good results.VIDEO UPLOADWritten, printed or messaged media are good ways of marketing, but short videos on your services or products are great way of marketing. Here, people just need to look at your video for a few seconds, or maybe minutes, and understand what they are actually meant to. In this way, they quite easily omit the traditional and comparatively boring way of reading the advertisement, newsletter, or promotional messages. The most common platform is YouTube where you can upload your own custom made videos for free, or opt for paid promotion where very short promotional videos are inserted(by YouTube) between other videos which may already be a bit known to people and thus there are more chances of people seeing the promotional videos.DIRECTORY LISTINGWeb directories or link directories are the directories on the world wide web(www) that link to other web sites and categorize the websites according to their content. In simple words, directories are not search engines, but just an online directory showing the list of websites based on categories and sub-categories. There are a large number of web directories that offer free, paid, reciprocal and affiliate linkings depending upon your choice. If categorized correctly, directory listing is a great way of online marketing. DMOZ, Yahoo, Digg are some of the most famous directories online.ONLINE DEALSDiscounts always attract customers, even if they have not much to do with the product. They stop to have a look on what is being offered. Sometimes this paves the way for the person to think deeply and consider availing the deal just because they are getting it at a great price. There are a lot of websites where services/products are offered at discounted rates. Consider visiting Snapdeal, Groupon, Timesdeal and few others.AFFILIATE PROGRAMSAfter all these efforts, if there is still a hitch left in the sales process, affiliate marketing is always there to promote direct sales of the product or services where a small share in the profit is given to the publisher or vendor that promotes sales. It is a performance based marketing system and the affiliate gets a percentage of profit for selling or helping in selling an article by applying any of the above listed or his/her own marketing techniques. One of the common ways is to place advertisement links or banners on others’ sites upon their permission, and if a sale occurs from their website, we need to pay them a definite amount or percentage.Having a bit of experience in publishing and promoting websites, I hope these factors may be actually helpful when you try to do some marketing for you new website. Forgive me if I forgot to mention something important, of course you can comment and rectify if I have committed any errors. Good day.
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<title>Real Estate Investment in Israel</title>
<link>http://dpopovams.info/30</link>
<comments>http://dpopovams.info/30#comments</comments>
<pubDate>Tue, 24 Jan 2023 18:47:41 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
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<description><![CDATA[In this day and age, many people are wary of investing in the unstable stock market which requires a lot of time and expertise. Unfortunately, leaving excess money in the bank is hardly an attractive option given the current rock bottom interest rates. One avenue of investment which hasn’t lost its charm is real estate.Real [...]]]></description>
<content:encoded><![CDATA[ In this day and age, many people are wary of investing in the unstable stock market which requires a lot of time and expertise. Unfortunately, leaving excess money in the bank is hardly an attractive option given the current rock bottom interest rates. One avenue of investment which hasn’t lost its charm is real estate.Real estate investments in Israel create both a passive and active income for the investor. If the investor chooses to rent out his or her property, they may collect rent money, as well as reap the benefits of the steadily rising value of their property. Given the nature of the real estate market in Israel, this kind of investment provides both stability and relatively high capital gains.Many people fear making an investment while the market is down, but low prices shouldn’t deter. The right investment will be profitable at any time. Of course, an economic crisis holds greater risks, but it also holds greater opportunities for profit than other times. In Israel, recent years have brought about many changes: new railways, roads, infrastructure, schools and many military headquarters moving to the southern part of the country mean many great opportunities for wise investors. A small property in the periphery of Israel will usually mean higher yields from rent, while at the same time, investment in real estate in one of the major cities is still a good, reliable and more secure option.So how does one choose where to invest? In what? And whether to do so in Israel or some other country altogether? The most important advice is to research and thoroughly check all the options. Independently investing in real estate requires knowledge, understanding and information. Many people opt out of investing in this field although they have the required capital, just because they lack the necessary knowledge; they know they are missing out on golden opportunities. This article aims to highlight a few of the important things one must consider regarding real estate investments in Israel.Before beginning the search for the perfect investment, it’s important to plan and define the details of the investment, including the following subjects:- The purpose of the investment: if you are aiming for maximum returns, you might consider investing in housing units in the Tel Aviv central bus station area, where the rent potential from the foreign workers who inhabit the area will probably be higher than other alternatives. However, you should ask yourself whether you are prepared to deal with the inevitable day to day maintenance that accompany such a choice: collecting rent on a weekly basis, working with different populations. You should also take into account future needs: will you want to live in the apartment or to make it available for family at some point? In that case the character of the neighborhood, and vicinity to the center should also be taken into consideration.- Partners: Will you be investing alone or with a partner? A partner may be a family member, friend or business acquaintance. There are many advantages to investing with a partner: risk dispersing (for instance, you could invest in two halves of two apartments in different locations), shared planning and research etc. But shared investments are not for everyone, and come with the dangers any joint venture naturally encapsulates.- Level of risk: How “risk averse” are you? Someone who is “risk averse” will prefer a solid investment in an established location such as central Tel Aviv or Jerusalem, whilst a “risk taker” may prefer to invest in less “conventional” areas with less predictable prices but more potential for profit, such as Sderot, Ariel and more peripheral areas of Israel.- Correct financial planning of the investment:- Is your investment based on private equity? Or will you be taking on a mortgage? The level of equity you have will impact the amount of leveraging and the quality of the loan you get. These factors should be considered before searching for the right property, as they will determine the optimal amount for your investment.- Risk management: what are the potential risks associated with the investment, and how would you deal with them should they be realized? Although Israel has enjoyed financial stability compared to other countries across the globe, and has escaped the last global economic crisis more or less unscathed, there are inherent risks to investing in any market. A few examples include sudden inflation, an abrupt change in the dollar-shekel exchange rates, a deceleration of the renting market. You should leave a margin of equity that will enable you to return any debts and loans you have taken on, bearing in mind such scenarios and others.- Defining the nature of the property: this is one of the most challenging aspects of the investment process. For maximum gains, this stage must be carried out with due care and thought. Some of the most important aspects influencing the potential revenue from a property are:- Location of the property (central areas are the most popular, but are also the most expensive. A small property on the outskirts of a major city may yield higher returns)- Size of property (most renters live alone or with a partner. 1-2 bedroom apartments are popular amongst renters, while larger apartments usually incur bigger utility costs and municipal taxes)- Accessibility (vicinity to public transport routes, availability of parking etc.)- PriceApart from these issues to consider, it is important not to fall into the following “traps”. What NOT to do:- Investing in a property in your “comfort zone”: Israel holds many opportunities for the wise investor. But it is important not to choose an investment based on your fondness for a certain “comfort area”, be it because it is a favorite holiday location, close to family members, a job etc. One should choose an area to invest based on cold hard and objective returns potential, unless the investment will be a place of residence.- Full reliance on personal capital: It is better to consider leveraging your investment, even if you could afford it on your own. This decreases the risk and allows you to make further investments.- Not leaving an emergency “cushion”: Do not acquire a property for a total cost that leaves no room for unexpected payments and costs. Take into account additional costs such as purchase tax, payments to a realtor, an attorney, renovation funds etc, as well as additional unforeseen costs.Once you have properly outlined the nature of your investment, its purpose and scope, you are ready to invest. But there are still many more questions to consider: whether to buy a new apartment from a contractor, or an existing apartment (and what to look out for in each type of deal), the crucial tax implications of investing in different kinds of properties (which may affect the entire profitability of the investment), and once you have decided upon a property – what are the necessary legal precautions you should be taking. In order to protect your interests at all times whilst making the best investment, it is always recommended to consult an attorney who specializes in the field.http://www.aharonilaw.com
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<title>Direct Investment in Property in Australia Through a Good Investment Loan</title>
<link>http://dpopovams.info/28</link>
<comments>http://dpopovams.info/28#comments</comments>
<pubDate>Tue, 24 Jan 2023 18:46:14 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
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<description><![CDATA[An investment property is becoming a more popular choice for those seeking to create a revenue stream and also achieve capital growth through the investment property value increasing over time.This can also be part of a strategic financial plan and should be considered by investors as part of a diversified portfolio. When considering an investment [...]]]></description>
<content:encoded><![CDATA[ An investment property is becoming a more popular choice for those seeking to create a revenue stream and also achieve capital growth through the investment property value increasing over time.This can also be part of a strategic financial plan and should be considered by investors as part of a diversified portfolio. When considering an investment purchase you should also source the best investment loan structure for you. With any investment your investment loan can make a difference to your return. If you are negatively geared through an investment loan the cost to you of that investment loan can effectively be reduced.If you purchase wisely, once there has been capital growth in the investment property over time there is the option of using this built up equity to move into another investment property, take out another investment loan and thereby continue to further increase your investment portfolio.Aside from the traditional belief that tax advantages are the key driver for taking out an investment home loan there are many other factors to consider when purchasing an investment property.Below are some key points for your reference, by using these points as a guide in conjunction with a detailed discussion with your accountant or financial planner you will be in a better position to ensure your investment purchase and investment loan is a financially sound decision for the long term.In relation to property enquiry therefore, you should consider:* What is the infrastructure like in the area? Are there enough schools, hospitals, shopping centres, doctors and dentists, freeways or main roads?* What has the historical capital growth been in the area over the last two decades?* Is the local council planning to increase housing density or add a new road to increase traffic flow?* If you are purchasing in a new subdivision, are there more new land blocks and house and land packages planned nearby. New developments can impact on the value of your home as purchasers often prefer a new home to one that might be 2 or 3 years old in the same area.* What length of time will the investment be held? And will this tie in with planned infrastructure development which will in turn accelerate capital growth?There has been recent press to suggest that investment and home property values in Sydney have a potential capital growth of 18% over the next 3 years so buying off the plan as an investor may be an attractive option in the current market. If you find a good property development, suitable for investment, which has a completion date in say 2010 – 2011 then you can exchange contracts with either a 10% cash deposit or a deposit bond (as a guide the cost of a deposit bond of around $86500 for say settlement September 2011 will cost you approximately $9000- $9500 (significantly less than the interest you would pay over the period if you borrow $86,500 at current interest rates of 9% p.a). The general feeling is that direct investment into property as opposed to into managed property funds is a better way to go – you are in control of your investment and avoid the high management fees so often charged by share and property investment funds.Do some research on the internet to see which areas have the greatest potential for capital gains – remember if you are looking for an investment property you should invest with your head not your heart. An investment property needs to be well located to transport and other facilities so that those renting can easily access these services.When considering which investment loan would suit you best take the following into account:1. Does the investment loan allow you to split it into a number of investment loan accounts. This is a good feature to have in an investment loan because you are positioning yourself for the future – if you use the investment property at a later date to gear into another investment purchase then you can split the account so that the investment loan portion relating to the new purchase is clearly identified. This allows you, and your accountant, to easily track the costs associated with the new purchase.2. If you use your home property (with an existing home loan) as security for the investment loan then it is imperative that you do not mix any home loan debt with your investment loan borrowings. The ATO in Australia requires you to apportion any additional repayments to a loan where the borrowings are “mixed”. You want to apply any additional repayments to your home loan before your investment loan. You are paying your home loan off in after tax dollars – whereas you can deduct the interest you are paying on your investment loan against the income form the investment property.3. Does the investment loan allow you to capitalise interest? It is always a good idea to include a capitalising feature as a part of your investment loan to protect you against any unexpected costs in relation to the property. It also means that instead of subsidising the investment costs and interest shortfall on your investment loan you can capitalise these and make additional repayments to your non-deductible home loan debt.4. If you have sufficient equity in your home then you may be better to consider a 100% + costs investment loan for the investment acquisition and use any savings you intended for the investment purchase to pay down your home loan debt.If you consider all these points your investment loan will be working in your favour at all times.
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