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<?xml version="1.0" encoding="UTF-8"?><rss version="2.0" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:wfw="http://wellformedweb.org/CommentAPI/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:sy="http://purl.org/rss/1.0/modules/syndication/" xmlns:slash="http://purl.org/rss/1.0/modules/slash/" > <channel> <title>owhwyln.info</title> <atom:link href="http://owhwyln.info/feed" rel="self" type="application/rss+xml" /> <link>https://owhwyln.info</link> <description></description> <lastBuildDate>Sun, 18 Feb 2024 17:38:43 +0000</lastBuildDate> <language>en</language> <sy:updatePeriod>hourly</sy:updatePeriod> <sy:updateFrequency>1</sy:updateFrequency> <generator>http://wordpress.org/?v=3.1.3</generator> <item> <title>Standard Cost Concepts Applied to Family Finance</title> <link>https://owhwyln.info/standard-cost-concepts-applied-to-family-finance</link> <comments>https://owhwyln.info/standard-cost-concepts-applied-to-family-finance#comments</comments> <pubDate>Wed, 19 Apr 2023 16:21:16 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[ai photography]]></category> <category><![CDATA[digital photography]]></category> <category><![CDATA[ed sheeran photograph]]></category> <category><![CDATA[film photography]]></category> <category><![CDATA[landscape photography]]></category> <category><![CDATA[landscape photography tips]]></category> <category><![CDATA[landscape photography tutorial]]></category> <category><![CDATA[learn photography]]></category> <category><![CDATA[lyrics photograph]]></category> <category><![CDATA[outdoor photography]]></category> <category><![CDATA[photograph]]></category> <category><![CDATA[photograph lyrics]]></category> <category><![CDATA[photography]]></category> <category><![CDATA[photography for beginners]]></category> <category><![CDATA[photography ideas]]></category> <category><![CDATA[photography lessons]]></category> <category><![CDATA[photography tips]]></category> <category><![CDATA[photography tutorial]]></category> <category><![CDATA[street photography]]></category> <category><![CDATA[street photography basics]]></category> <category><![CDATA[street photography tips]]></category> <category><![CDATA[travel photography]]></category> <guid isPermaLink="false">http://owhwyln.info/?p=92</guid> <description><![CDATA[Standard costs serve as benchmarks that represent expected future costs required to achieve an objective or goal. In business, these costs are mainly used for decision management and decision control. The same control applications can be employed for family finances. The related concepts that are exercised in business prove beneficial to several areas of family [...]]]></description> <content:encoded><![CDATA[<p> Standard costs serve as benchmarks that represent expected future costs required to achieve an objective or goal. In business, these costs are mainly used for decision management and decision control. The same control applications can be employed for family finances. The related concepts that are exercised in business prove beneficial to several areas of family finance described below.Families operate very similarly to businesses, working together to reach common family-related objectives through setting goals. Similar to businesses maintaining mission statements, families develop unofficial, unwritten family standards and themes. Within the overall family objective are many smaller objectives that change with time, economic demands and other internal or external factors. Standard costs provide businesses with a mean for decision management and control in order to assist them in reaching their objectives, and thus, the principles can be applied to family finance in the same manner to achieve common objectives.Family SavingsThe application of standard cost systems provides businesses with the incentive effect to achieve costs less than or equal to the standard costs required to achieve the business objectives. When these costs are used as a basis for performance evaluation, incentives are created for management to control their costs. With this incentive comes the possibility of discouraging cooperation when individuals are not rewarded in the same manner as the whole unit.Let us examine a family of four attempting to save money to reach a family objective: going on vacation to California next summer. This objective is set when the parents have a discussion on how to spend more time bonding as a family, equivalent to a board of directors setting a top-down objective. In order to reach the objective, the family realizes that they must save $5,000 in the next year and that they must achieve this through decreasing their family spending since there are no anticipated increases in family income. In order to achieve the objective, the family must work together to achieve increased savings. In a business, if an individual is rewarded based only on what they produce then they may not be motivated to work with the other individuals in the department to ensure they are also attaining the same levels of productivity. However, if the same individual was rewarded at multiple levels, both individual and departmentally driven, then there would be more incentive for cooperation. The same must occur for the family in the example. In a case where the vacation itself is the only reward, if the children are not as excited with the family vacation destination then they may not be as motivated to work towards the family’s savings. If other individual level rewards are set (i.e. stickers, one on one time with the parents, or an hour extended curfew for teenagers) then the unit would be working together more cooperatively to reach the overall objective of the family vacation.Family BudgetFamily budgets have a direct impact on the savings available for the family. In discussing the same family of four with the objective to save $5,000 to acquire enough funds for a family vacation, cost concepts can be applied to the family’s budgeting function. The family should use the basic concepts of a standard cost system to set an overall budget for the year. The budget should then be drilled down further to set costs that must be met in each budgeted category. For example, if the family calculates that it can only spend $300 on groceries bi-weekly then they should apply standard costs to each grocery item to ensure that overspending does not occur. If the family sets a standard cost for cereal at $2 then the concepts should be applied so that cereal is not purchased if it is above $2. If purchasing were to occur above the $2 cost then the vacation may be sacrificed.Another incentive effect can be applied to this situation; building inventories when price discounts occur. The recently popular occurrence of extreme couponing illustrates this incentive effect. Extreme couponing is a pop culture hobby with the goal of stocking up on items when they are below the standard cost. This strategy involves meticulous planning and monitoring of standard costs for household items, clothes, groceries and even vacation packages. Utilizing this strategy to stock up on goods or build inventories when prices vary below their set standard cost range can assist the family in reaching its end objective. Prices and costs can change because of inflation, demand, resources and many other economic factors. Therefore, it is important to mention, especially in the case of long term objectives, that standard costs should be constantly examined and updated.Standard costs concepts are a beneficial approach for families that function similarly to a business where they are one unit working towards a common objective. Many related concepts can be applied to family finances. If these concepts are understood properly by the family the overall family’s finances including short and long term objectives will be improved. </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://owhwyln.info/standard-cost-concepts-applied-to-family-finance/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Learning With Landscape Photography Tips</title> <link>https://owhwyln.info/learning-with-landscape-photography-tips</link> <comments>https://owhwyln.info/learning-with-landscape-photography-tips#comments</comments> <pubDate>Wed, 19 Apr 2023 12:29:16 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[ai photography]]></category> <category><![CDATA[digital photography]]></category> <category><![CDATA[ed sheeran photograph]]></category> <category><![CDATA[film photography]]></category> <category><![CDATA[landscape photography]]></category> <category><![CDATA[landscape photography tips]]></category> <category><![CDATA[landscape photography tutorial]]></category> <category><![CDATA[learn photography]]></category> <category><![CDATA[lyrics photograph]]></category> <category><![CDATA[outdoor photography]]></category> <category><![CDATA[photograph]]></category> <category><![CDATA[photograph lyrics]]></category> <category><![CDATA[photography]]></category> <category><![CDATA[photography for beginners]]></category> <category><![CDATA[photography ideas]]></category> <category><![CDATA[photography lessons]]></category> <category><![CDATA[photography tips]]></category> <category><![CDATA[photography tutorial]]></category> <category><![CDATA[street photography]]></category> <category><![CDATA[street photography basics]]></category> <category><![CDATA[street photography tips]]></category> <category><![CDATA[travel photography]]></category> <guid isPermaLink="false">http://owhwyln.info/?p=86</guid> <description><![CDATA[Photography interest is wide, but having the ability to capitalize on the photos you take by finding financial gain is rare. The photographer’s inability to market photos to clients or quite often their inexperience are the leading causes for this rare occurrence. A great way to capitalize on the photographer’s life is to seek the [...]]]></description> <content:encoded><![CDATA[<p> Photography interest is wide, but having the ability to capitalize on the photos you take by finding financial gain is rare. The photographer’s inability to market photos to clients or quite often their inexperience are the leading causes for this rare occurrence. A great way to capitalize on the photographer’s life is to seek the advice of experience and search for landscape photography tips online. Landscape photography is one of the most sought after types of photography currently affecting the photo market and finding landscape photography tips can help turn your mediocre skills into the skills of an expert.When researching landscape photography tips to pursue the photographer’s life one of the top tips is to find a new perspective to an old photo. Photographs often in high demand include images of national treasures and monuments where companies are seeking a new angle or perspective of the aged image.Visiting these popular hot spots can help you capitalize financially as you discover the new angles or perspectives that purchasing companies are seeking. In many cases a new angle can capture shadowing or a background that is relevant to the original image, strengthening the imagery of the photograph. When pursuing the photographer’s life remember to take a great deal of photographs at a variety of angles since you never know which photo will appeal directly to your potential client.It is important to identify the various patterns of tip familiarity when searching for landscape photography tips due to their great abundance on the internet. Remember when trying to find the character of a photo that a great deal of importance should be placed upon the play of light and shadow. The time of day plays a tremendous role in the imagery that can be found in a photo. Never find satisfaction with the first photo you take when deciding on a area to photograph. Photographing various shadows, play of clouds and revealed location images can on occasion take the length of a day and play a large role in the photographer’s life. Patience in photography can help in capitalizing on discovered landscape photography tips to maximize your photography earnings.Nature is unpredictable in regards to the conditions that are available to the photographer. One of the top landscape photography tips is to find new perspectives when nature thwarts your original effort. Close a single eye to assist in finding the new scene you hope to capture. This method will help you see how the flat image of the photo will develop as closing an eye reduce the depth that dual vision provides. If you hope to take a photo of majestic mountains but the shadowing is wrong then use that background to capture the beauty of a new feature. On many occasions the beauty of a single flower stands out the most with bleak surroundings. Maximize your experiences in the photographer’s life by seeking new perspectives and never to accept photographic failure. </p>]]></content:encoded> <wfw:commentRss>https://owhwyln.info/learning-with-landscape-photography-tips/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>LED Light Bulbs – Use Them to Save Energy and Money</title> <link>https://owhwyln.info/led-light-bulbs-use-them-to-save-energy-and-money</link> <comments>https://owhwyln.info/led-light-bulbs-use-them-to-save-energy-and-money#comments</comments> <pubDate>Sun, 02 Apr 2023 04:07:50 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Computer Repair]]></category> <guid isPermaLink="false">http://owhwyln.info/?p=84</guid> <description><![CDATA[Light Emitting Diodes, more often pronounced as LED light bulbs, are small size, solid light bulbs that are highly energy efficient and are vastly replacing standard Incandescent bulbs. They are very energy efficient and consume, relatively, less energy than traditional bulbs. They are very simple in use and have a long rated life.As Led light [...]]]></description> <content:encoded><![CDATA[<p> Light Emitting Diodes, more often pronounced as LED light bulbs, are small size, solid light bulbs that are highly energy efficient and are vastly replacing standard Incandescent bulbs. They are very energy efficient and consume, relatively, less energy than traditional bulbs. They are very simple in use and have a long rated life.As Led light bulbs are expensive they were not in frequent use until recently or were used as a single bulb application in lighting pens, remotes, electronic items etc. But as technology is getting improved day by day, the cost of led light bulbs is also getting lower and resulting in their use in applications where clusters of bulbs are used like battery items, flashlights and headlamps etc. Their applications are getting expanded day by day and the day is not far away when they become an inseparable part of everyday consumer electronics and would be used in a bunch without much thought required.Traditional bulbs have a housing of glass to avoid oxygen around the flammable tungsten filament but led light bulbs have a housing of plastic that makes them easier to maintain and much more efficient. As Led light bulbs are energy saving bulbs, they consume less electricity and this results in higher cost savings. Also, as they generate less heat, they never get that hot and are far cooler.Led light bulbs are used in applications indoors or outdoos and are vastly used in Modern Electronic Items, Traffic Lights, and Digital Clocks etc. They are also used in commercial and industrial works where maintenance and replacement cost are more important factors than operative cost. But, although led lights are replacing the other lighting technologies by leaps and bounds and revolutionizing the way the world uses lighting systems, they are still expensive and this factor cannot be avoided.Led Light Bulb vs. Incandescent and halogen BulbLed light bulbs have a longer rated life than fluorescent and Incandescent bulbs. They last around 130 times longer than Incandescent bulbs and 10 times longer than compact fluorescent bulbs. Also as they are made up of plastic, they do not get damaged as easily as Incandescent bulbs. Due to the plastic surface, they sustain grating and bumping.As they last longer, the maintenance and replacement cost is reduced. Their batteries also have a longer life. They consume far less energy and do not get heated up as traditional bulbs, making them easy to maintain.The only negative factor they have is their cost. They are still expensive but that can definitely be offset against low electricity bills and longer life of batteries.12v DC led light bulbs12v DC led light bulbs are normally not used to light up the house or in any household item or fixture. They are used in porch lights, accent and reading lights, solar or battery powered systems and other 12 voltage setups and equipments.6 volt Led Light Bulbs for Vintage Cars6 volt led light Bulbs are much brighter than incandescent bulbs and are used in Automobiles like cars, trucks etc. They have an easier charging system and are polarity sensitive.Led Tail Light BulbsLED Tail Light bulbs are the wonderful after market tribute to any car. The LED tail light bulbs are custom built units. Their prices must be standardized in order to make them more popular as they have custom built prices in the market depending on the type of assemblies.12 Volt Led Light BulbsThese led light bulbs are high energy saving, energy efficient and are small in size. They offer a brighter light than any incandescent bulb and have a low replacement and maintenance cost. They can be installed in any household lighting fixture due to their compact size. </p>]]></content:encoded> <wfw:commentRss>https://owhwyln.info/led-light-bulbs-use-them-to-save-energy-and-money/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Buying Pre-Construction Real Estate</title> <link>https://owhwyln.info/buying-pre-construction-real-estate</link> <comments>https://owhwyln.info/buying-pre-construction-real-estate#comments</comments> <pubDate>Sun, 02 Apr 2023 00:19:04 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Construction Maintenance]]></category> <guid isPermaLink="false">http://owhwyln.info/?p=82</guid> <description><![CDATA[The pre-construction purchase process or PPP is structured a lot differently than purchasing a property that is already in existence. With pre-construction real estate you are essentially purchasing off a floor plan. This can prove to be a complicated task as you cannot essentially experience the product. Even though many condo sales offices in Toronto [...]]]></description> <content:encoded><![CDATA[<p> The pre-construction purchase process or PPP is structured a lot differently than purchasing a property that is already in existence. With pre-construction real estate you are essentially purchasing off a floor plan. This can prove to be a complicated task as you cannot essentially experience the product. Even though many condo sales offices in Toronto have managed to create model suites to reflect what certain units look like, you still don’t get the true effect as you would purchasing an already existing unit.Once you have chosen the pre-construction project you would like to purchase in as well as your floor plan, it is time to sign your life away! The agreement used for pre-construction condos is much different that your standard resale agreement. Don’t be scared when you see the agreement as it is significantly longer than a resale agreement. Some can run up to 30 pages long. What is unique to the pre-construction purchase process is that the builder gives you a 10 day “cooling off” period. It is in this time frame that you will have your lawyer review your agreements on your behalf. Once this 10 day period is over and your lawyer has given you the ok, you must submit the remainder of your post dated deposit checks to the builder. This normally accounts for approximately 20% of your total purchase price.A few years later…….By this time the building has started construction and you will get called in for color selection. It is at this time that you will start choosing the colors of your finishes and features of your condo. Most developers also give purchasers the opportunity to pay for upgraded materials at that time if that is something they would like to do. Approximately a year (or so) after the color selection process, you will be given the keys to your brand new suite. In real estate terms this is called interim occupancy. Even though you don’t have title to your unit, you are living in it and paying what we call “occupancy fees” to the builder. This number reflects a portion of your taxes, maintenance fees and interest on the remaining of the balance owed. You are allowed to rent out your unit during the occupancy period, but be aware that you will not be eligible for your GST rebate if you choose to do this. Occupancy can last up to one and a half years. Once the condo building registers with the City of Toronto your lawyer will make the arrangements to exchange title to your new condo for the outstanding payment as agreed in your agreement of purchase and sale.Unlike purchasing a condo that is already in existence, the pre-construction purchase process is a long one. The majority of the time you are purchasing some 2-5 years in advance. Even though it is a long waiting period, the benefits can be very rewarding financially when you purchase in the right location, with the right builder and at the right time. </p>]]></content:encoded> <wfw:commentRss>https://owhwyln.info/buying-pre-construction-real-estate/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Lowering Child Support Payments With the Parenting Time Schedule</title> <link>https://owhwyln.info/lowering-child-support-payments-with-the-parenting-time-schedule</link> <comments>https://owhwyln.info/lowering-child-support-payments-with-the-parenting-time-schedule#comments</comments> <pubDate>Sat, 01 Apr 2023 13:42:45 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Parties]]></category> <guid isPermaLink="false">http://owhwyln.info/?p=80</guid> <description><![CDATA[Child support laws have been enacted to ensure that children are provided for after their parents divorce or separate. Because the children are entitled to the same level of care as before the separation, the state requires that the parent who does more of the physical care taking of the child get financial support from [...]]]></description> <content:encoded><![CDATA[<p> Child support laws have been enacted to ensure that children are provided for after their parents divorce or separate. Because the children are entitled to the same level of care as before the separation, the state requires that the parent who does more of the physical care taking of the child get financial support from the other parent. This is so both parents have some responsibility in providing for the children.A divorced mother or father should be willing to provide financial support for their children through support payments. And, many parents are willing to do this. Unfortunately, there are many cases where the parent who pays support is taken advantage of by the other parent. The other parent may not spend the money on the child, may want more money from the parent because of revenge, may connect the money for support with visitation, etc. The parent who pays child support may pay too much money, not be able to afford the payments, and not get enough time with the child. This shouldn’t happen. In these cases, parents need to know how to lower their child support payments through the parenting time schedule.Now, every state uses different factors when calculating child support. Some states require information about insurance, taxes, other payments, etc and other states don’t ask for that information. However, every state uses one critical factor that affects child support: the amount of parenting time. The states use either the parenting time percentage or the overnight percentage along with the income to determine the amount of support. The more time a parent has with the child, the less support they pay. And, the more time the other parent has with the child, the more support they receive.This means that a parent who wants to lower child support payments should make a parenting time schedule that gives them more time with the child. This can be done by adding an extra night of visitation during the week, adjusting the holiday schedule, adding overnights to the visitation, etc. Because the parent is providing more physical care to the child, they are less responsible for the financial care.Hopefully parents can work out a fair parenting time schedule so that the child support payments are fair. The parents should always focus on what is best for the children and find a way to provide for the child’s needs. One parent shouldn’t have to take sole responsibility for the children, and both parents should actively strive to be involved with the child. </p>]]></content:encoded> <wfw:commentRss>https://owhwyln.info/lowering-child-support-payments-with-the-parenting-time-schedule/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Selling Your Home or Investment Property – Get The Highest Price for Your Property!</title> <link>https://owhwyln.info/selling-your-home-or-investment-property-get-the-highest-price-for-your-property</link> <comments>https://owhwyln.info/selling-your-home-or-investment-property-get-the-highest-price-for-your-property#comments</comments> <pubDate>Sat, 01 Apr 2023 02:15:37 +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> <guid isPermaLink="false">http://owhwyln.info/?p=77</guid> <description><![CDATA[The biggest mistakes that often occur when you are looking to sell your property is that you may go with the easiest or what seems like the most sensible options – by giving your property listing to a friend or family member, by choosing the agent who offers the lowest commission, by selecting a sales [...]]]></description> <content:encoded><![CDATA[<p> The biggest mistakes that often occur when you are looking to sell your property is that you may go with the easiest or what seems like the most sensible options – by giving your property listing to a friend or family member, by choosing the agent who offers the lowest commission, by selecting a sales agent who has a little number of listings and will therefore dedicate their time to servicing you, or the agent who tells you “I won’t spend your money on advertising, it’s not necessary”. There is a well known acronym in the sales industry that good sales agents use and that you need to follow – the 4 P’s…Profile, Presentation, Presence & Price!If you get all 4 of these right, you should be on your way to a great sales result…<br />Profile – choose an agent who is a known market leader. They are in that position because they sell lots of property and they sell it well – for the best price. They may charge a slighty higher commission than “Joe Blogs” down the road but I’m sure if you look at their sales history, their results warrant a higher commission. Look at it this way…Agent A charges 2.5% on a $500,000 sale = $12,500 commissionAgent B charges 2% on a $500,000 sale = $10,000 commissionYou may look at that scenario and say, “I’ll choose agent B” but I’m sure that if Agent A is a high profile agent with a good database of buyers and great sales skills to sell your property, they are likely to achieve at least 5-10% more than Agent B – which will actually result in $25,000 to $50,000 extra in your pocket. $2500 is one extra bid at Auction, and a great sales agent will get you that and more!<br />Presentation – a property is never going to achieve its maximum sale price if it is badly presented. The buyer who is likely to pay higher for your property is the home buyer as they will become emotionally attached to the property, so present your home for sale well to attract home buyers. Remove clutter from rooms – this includes personal books (I have seen a copy of Kama Sutra in a book case before and it made me wonder what the current owners did there!), family photos, and personal items. You want the buyer to visualise where their own items will go, and the less cluttered a property is, the larger it will feel. Mow the lawns, take out the garbage and if you have time, apply a fresh coat of paint to the walls (this will immediately life the look of a property but make sure the property doesn’t smell of paint when buyers inspect).<br />Presence – if you want to sell your home for the highest price possible, you need to tell the world that it is for sale. A good sales agent will recommend an advertising campaign be included as a large component of your marketing and from my experience, this is often a necessary evil but there are instances where it may not be;<br />a) Your property is an investment property and the likely buyer may be from overseas or interstate OR b) Your buyer is most likely to be a Gen X or Gen Y – as they are less likely to pick up the paper than they are to surf the internet for their ideal home or property investment<br />Price – There is two main methods of selling your property in Australia – Auction or Private Treaty. When it comes to choosing a method of sale, you need to know your market. In Sydney & Melbourne, the market is used to Auctions and this can often be the best way to maximise your sale price, however, in areas like Brisbane and Perth, the Auction process can be detrimental to a sales campaign, as buyers prefer the transparent process of a listed for sale price. In some circumstances, buyers have paid above the asking price as they have recognised value in the asking price and have been forced to compete with other buyers to secure the property. The chosen method of sale is also reliant on the current state of the property market. If you are in a Buyers Market (ie. more property for sale than buyers), I wouldn’t recommend an Auction unless you are seriously committed to selling and will take whatever bidscome your way on Auction Day. However, if you are in a Sellers Market (lots of buyers and not much property for sale), Auction can the best way to increase your sale price, as the fear of missing out kicks in and buyers often pay well above their intended limits.Above all, if you are committed to selling, do your research – attend open homes in your area, talk to your neighbours, read agent testimonials and ask to speak to previous clients. If you know your market, you will know the best agents and the likely sale price for your property, allowing you to trust your chosen sales agent and in the end you will feel like you have made an informed decision when it comes to crunch time and you do sell! </p>]]></content:encoded> <wfw:commentRss>https://owhwyln.info/selling-your-home-or-investment-property-get-the-highest-price-for-your-property/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Buying Florida Investment Properties and Where It’s Hot</title> <link>https://owhwyln.info/buying-florida-investment-properties-and-where-its-hot</link> <comments>https://owhwyln.info/buying-florida-investment-properties-and-where-its-hot#comments</comments> <pubDate>Tue, 21 Mar 2023 14:55:43 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Entertainment]]></category> <guid isPermaLink="false">http://owhwyln.info/?p=75</guid> <description><![CDATA[Relaxing in Style: Florida Investment PropertiesIn Florida, relaxing in the sun and sand is a way of life. There’s no better way to experience a slice of Florida living than buying your own space. Florida Investment Property provide just that–a place that you can return to year after year for the perfect vacation. One of [...]]]></description> <content:encoded><![CDATA[<p> Relaxing in Style: Florida Investment PropertiesIn Florida, relaxing in the sun and sand is a way of life. There’s no better way to experience a slice of Florida living than buying your own space. Florida Investment Property provide just that–a place that you can return to year after year for the perfect vacation. One of the pleasures of living and vacationing in this peninsula state is that no matter where you go, the warm, inviting beach is nearby. Florida’s attractions can also be in your neighborhood when you decide on a Florida Investment Property.Inland, you’ll find Florida Investment Properties in every city and vacation destination. From tiny beachfront flats to grand sky-scraping apartment homes, you’ll find a range of choices and prices to consider. Florida Investment Properties can be just about any property with a Florida style that becomes your home away from home.A condominium gives you and your family easy access to Florida’s unparalleled beaches and attractions. A comfortable space where you can come and go as you please, Florida Investment Properties offer a way for visitors to get a taste of Florida living. Many of the most affordable condos lie near attractions such as Walt Disney World and Universal Studios. Florida Investment Properties allow families to split their time between the excitement of theme parks and the relaxing calm of the waves.Finding Florida Investment PropertyThere are plenty of perfect locations for Florida Investment Properties. From the historic sands of St. Augustine to the urban shores of Miami Beach, the beautiful Gulf of Mexico to the roaring surf of the Atlantic in Daytona. At any of these spots you can find a wealth of properties for sale in central Florida. Below are the hot spots for Florida investment property. In these locations, Florida Investment Properties describe a certain way of living and can be right beside the waves or a few miles inland. In Orlando Florida, a condo near the attractions is still a short car ride away from the beach. As the saying goes, what matters is location, location, location.Properties for sale in Central FloridaOrlando’s central location makes it a perfect fit for vacationers who want it all. In the midst of attractions, beaches and the arts, Orlando is more of an area than just a city. You’ll find luxury Caribbean inspired condos central to Disney and the renewed Cypress Gardens. These villas offer families a place to settle near exciting theme parks with a relaxing residence to call home.Families can find a diverse spread of activities to suit teens and toddlers. Apart from the theme parks, Orlando is home to upscale malls and outlets, museums and clubs. Because Orlando is smack in the middle of Florida, it is an easy place to launch a day or weekend trip. Kennedy Space Center is only an hour away, as well as Tampa Florida and Daytona Beach.<br />When you decide to make Orlando your spot for a Florida Investment Property purchase, there are plenty of choices for your home away from home. Properties located close to the theme parks are a great choice because of their centralized location. One property close to Walt Disney World in Davenport Florida, called the Bimini Bay Resort, gives owners a cool, Caribbean style bungalow complete with all the comforts of home.Florida Investment Properties like the Bimini Bay Resort are unique in the quiet retreat they offer. Unlike hotels near the theme parks that are often crowded with other visitors, your own Florida Investment Property lets your family relax in a comfortable place that’s all your own. Davenport is also minutes from Cypress Gardens, a newly constructed adventure park.Kissimmee, another Central Florida town close to the theme parks is home to family resorts at discount rates. Kids and parents can both find fun in the Kissimmee area. In the middle of outlet malls, amusement parks and exciting dining experiences like Medieval Times, this is one of Central Florida’s best vacation deals.If you decide on a beachside condominium, New Smyrna, Daytona and Cocoa Beach are Orlando’s hotspots. These Florida Investment Properties will still keep you close to Orlando’s attractions. A home beside the Atlantic Ocean gives families a true taste of the Florida lifestyle.4. South Florida Investment Property PurchasesApart from Orlando, there are plenty of beachside towns to house your perfect Florida Investment Property. Below you’ll find a snapshot of beautiful beachside cities spread throughout the state. Consider what your family needs in a Florida Investment Property — ;a place to get away in a quiet corner of the state or a thriving town with plenty of activities for everyone.One beach destination in Florida is Sarasota. Located on the Gulf of Mexico, Sarasota is an artsy town home to a lot of condominiums owned by retired men and women. These Florida Investment Properies tend to be in high price ranges though they are beautiful. Sarasota is home to quaint shopping areas by the beach as well as cozy marinas and restaurants.<br />Along the Gulf of Mexico is a saint of a beach perfect for a condominium purchase. St. Petersburg, just below Tampa is another quiet place to own a Florida Investment Property. St. Pete is a relaxed beach town dotted with bed and breakfasts, family owned restaurants and ritzy hotels.If a spicier place is where you want your Florida Investment Property, then cruise on down to Miami. This non-stop town is the place for a jet set young couple ready to party. Just on the tip of the sunshine state, Miami is a Latin hub filled with nightlife and hot beaches.5. North Florida Investment Property PurchasesOn the opposite tip of the state than Miami is Destin beach. Located in what Floridians call the panhandle, Destin is known for snow-white beaches and quiet vacation destinations near the capital of Tallahassee. Here, Florida Investment Properties are close to the border states of Alabama and Georgia; perfect for border hopping if you so choose. Destin also offers places where you can camp right on the Gulf (that is, if you want to leave your comfy condominium for a night).St. Augustine is also an exciting place to vacation in a Florida Investment Property. For history buffs, this is the place to find the oldest settlements in Florida. From the Spanish fort made of shells to the oldest schoolhouse, St. Augustine surrounds visitors with nostalgia. There are also plenty of opportunities for golf and tennis at the nearby resort town of Ponte Vedra Beach.Where to Start Shopping for Florida Investment PropertyAccording to Florida’s official website for visitors, http://www.flausa.com, Florida welcomed 74.5 million visitors from around the world in 2003. Once you decide on Florida as the place for your vacation, the daunting task of finding the right condominium purchase lies before you. Flausa.com is a good starting ground for learning more about everything Florida has to offer. The official website for visiting the state, you can contact the Florida tourism bureau directly with questions. From the site you can also access booking calendars and even keep a list of your family’s reservations. Here, industry leaders also keep up with the latest vacation specials. There are many sites which provide a detailed list of Florida Investment Properties with lists of virtually every city available. There are other sites to check out for lists of Florida Investment Properties or you can contact your realtor.Florida Investment Properties are a unique and relaxing way to spend your vacations. Florida Investment Properties are unlike any other homes in their embrace of carefree Florida living. Whether you breathe in the ocean from your balcony or take in the sun on an inland patio, a condominium gives you a chance to make Florida your home for as long as you and your family can. Florida investment properties are one way to participate in the growing tourism and real estate prices.All Rights Reserved 2005 </p>]]></content:encoded> <wfw:commentRss>https://owhwyln.info/buying-florida-investment-properties-and-where-its-hot/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Secure Connection Failed</title> <link>https://owhwyln.info/secure-connection-failed</link> <comments>https://owhwyln.info/secure-connection-failed#comments</comments> <pubDate>Tue, 21 Mar 2023 14:46:59 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Entertainment]]></category> <guid isPermaLink="false">http://owhwyln.info/?p=73</guid> <description><![CDATA[#EANF#]]></description> <content:encoded><![CDATA[<p>#EANF#</p>]]></content:encoded> <wfw:commentRss>https://owhwyln.info/secure-connection-failed/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Peak Performance For Property In The French Alps</title> <link>https://owhwyln.info/peak-performance-for-property-in-the-french-alps</link> <comments>https://owhwyln.info/peak-performance-for-property-in-the-french-alps#comments</comments> <pubDate>Tue, 21 Mar 2023 13:58:31 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Entertainment]]></category> <guid isPermaLink="false">http://owhwyln.info/?p=71</guid> <description><![CDATA[As the 2007/2008 ski season enters the final few weeks of the winter, the alpine property market continues to show positive results in popular mountain resorts. The French Alps have long held great appeal for those seeking to buy ski property and it appears that the British love of the great outdoors has continued to [...]]]></description> <content:encoded><![CDATA[<p> As the 2007/2008 ski season enters the final few weeks of the winter, the alpine property market continues to show positive results in popular mountain resorts. The French Alps have long held great appeal for those seeking to buy ski property and it appears that the British love of the great outdoors has continued to push prices upwards despite a sluggish property market at home.Recently released reports show that property prices in the ski resorts of Haute-Savoie increased by over 13% for re-sale apartments in 2007, with some mountain destinations showing price growth of over 20% year-on-year. According to figures released by the estate agency association FNAIM, the average price per square metre in the northern French Alps has almost doubled since 2002, and now sits at 4,844 euros.Property in the French Alps is amongst some of the most sought-after and therefore the priciest locations in France and much of the growth in the past 10 years has been influenced by British buyers. The British now account for over 18% of the property sales in this part of the Alps; 10 years ago their market share was 2%. Property for sale in resorts such as Chamonix, Morzine, Les Gets, Megeve and Samoens is still highly desirable and a distinct lack of land to build on ensures that demand for the French Alps continues to outstrip supply.Buyers are increasingly choosing the northern French Alps because of the fantastic flexibility a property in this part of France can offer. The region is home to some of the largest ski and winter sports domains in the world, yet less than 50% of annual visitors to the Alps actually come here to ski. The summer seasons can be equally as popular as the winter; with breath-taking scenery, a multitude of outdoor pursuits to enjoy and a hot if sometimes unpredictable summer climate. As a result a property in the French Alps can cater for family holidays throughout the entire year. In addition to enjoying winter and summer holidays in the area, owning a property in the Alps offers great scope for seasonal rentals; enabling owners to really capitalise on their investment and recover many of the costs of their second home. Proximity to a major international airport at Geneva is another strong plus point; low-cost and scheduled flights arrive from the UK throughout the entire year and most resorts in the Haute-Savoie region of the French Alps can be reached within 1 hour of the airport.The future of any mountain destination really hinges on its ability to anticipate and adapt to client needs. Property hunters in today’s market are buying into a lifestyle product; they want to buy a ski property in a resort that has retained its alpine charm, that offers access to good and reliable skiing but also has plenty to enjoy in the summer, with lots of character and a distinctly old alpine French feel. The property needs to be a spacious and comfortable mountain retreat where the whole family can enjoy relaxing short breaks and longer stays. The northern French Alps and in particular the Haute-Savoie region are well matched to buyers’ requirements and this winning formula is reflected in the impressive price increases experienced by many of the mountain destinations in 2007; the price per m² in Flaine/les Carroz has leapt up by 23% in the past year, La Clusaz by 22% and across the Evasion Mont Blanc ski domain by 22%.With such high demand for ski property for sale it is no surprise that one property sale in four in Haute-Savoie is in a mountain destination. The highest concentrations of British buyers across the northern French Alps are in the Grand Massif, the Portes de Soleil, the Mont Blanc region and the Three Valleys ski domains. In these areas property in Chamonix and Megeve has always held a huge draw for British buyers and the resorts of Morzine, Les Gets and Samoens have all developed and grown massively over the past 8 years. These destinations are well placed to offer the quality and size of property that British buyers are seeking, combined with the allure of a year-round and attractive holiday destination.Developers of new build property in the Alps have increasingly listened to buyers’ requirements and are now focussing on providing more spacious properties with multiple bathrooms. 74% of all apartments sold in the resale market are studios and 1-beds. In new build apartments the most popular purchases are 1 and 2-bed apartments accounting for 72% of sales. The popularity of the larger properties in the new build arena is indicative of changing consumer needs and property designs have adapted accordingly.The repercussions of the 2007 US sub prime credit crisis and its subsequent impact on the UK housing market has tightened many buyer’s budgets and consequently the alpine property market has recorded a slower pace during the first quarter of 2008. This coupled with the recent fall in the sterling-euro exchange rate has caused buyers to think hard about what they can afford to invest in their alpine property. In recent years ski property for sale in the popular resorts was so scarce buyers had to move quickly and with little or no negotiation in order to secure their property. In today’s market prices are more negotiable, although resort centres are still recording a fast sales turnover and buyers do need to move quickly when they find the right property.Many of the vendors in the French Alps are British and planning to convert their euros back into sterling once their property has sold. The current euro-sterling exchange rate weighs heavily in their favour and as a result they can afford to be flexible when it comes to negotiation on the asking price of their property. The outcome is that both buyers and vendors are able to achieve a purchase price that they feel is fair and vendors are still able to cash in the benefits of a very healthy capital growth on their second home.Looking forwards to the remainder of 2008 it is anticipated that property prices in the French Alps will be stable, with some continued strong growth in developing resorts such as Saint Gervais les Bains and Les Contamines. More price negotiation will take place over the coming months and vendors that plan to convert their euros back to sterling will be able to capitalise on the exchange rate, which is not anticipated to improve until the final quarter of the year. Many buyers will consider a smaller property investment initially, with plans to sell and upgrade over the next 2-5 years. Land to build on is increasingly rare and the continued limited supply of property for sale across the French Alps will help maintain a buoyant property market. </p>]]></content:encoded> <wfw:commentRss>https://owhwyln.info/peak-performance-for-property-in-the-french-alps/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Choosing a Commercial Property With Financial Advantage</title> <link>https://owhwyln.info/choosing-a-commercial-property-with-financial-advantage</link> <comments>https://owhwyln.info/choosing-a-commercial-property-with-financial-advantage#comments</comments> <pubDate>Tue, 21 Mar 2023 12:43:15 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Entertainment]]></category> <guid isPermaLink="false">http://owhwyln.info/?p=69</guid> <description><![CDATA[When assessing commercial real estate, it is necessary to understand the financial factors that the property creates. This is before you price the property or consider it suitable for purchase. In doing this, it is not only the financial factors today that you need to look at, but also those that have formulated the history [...]]]></description> <content:encoded><![CDATA[<p> When assessing commercial real estate, it is necessary to understand the financial factors that the property creates. This is before you price the property or consider it suitable for purchase. In doing this, it is not only the financial factors today that you need to look at, but also those that have formulated the history of the property over recent time.In this case, the definition of ‘recent time’ is the last three or five years. It is surprising how property owners try to manipulate the building income and expenditure at the time of sale; they cannot however easily change the property history and this is where you can uncover many property secrets.Once the history and current performance of the property is fully understood, you can then relate to the accuracy of the current operating costs budget. All investment property should operate to a budget which is administered monthly and monitored quarterly.The quarterly monitoring process allows for adjustments to the budget when unusual items of income and expenditure are evident. There is no point continuing with the property budget which is increasingly out of balance to the actual property performance. Fund managers in complex properties would normally undertake budget adjustment on a quarterly basis. The same principle can and should apply to private investors.So let’s now look at the main issues of financial analysis on which you can focus in your property evaluation:<br />A tenancy schedule should be sourced for the property and checked totally. What you are looking for here is an accurate summary of the current lease occupancy and rentals paid. It is interesting to note that tenancy schedules are notoriously incorrect and not up to date in many instances. This is a common industry problem stemming from the lack of diligence on the part of the property owner or the property manager to maintain the tenancy schedule records. For this very reason, the accuracy of the tenancy schedule at time of property sale needs to be carefully checked against the original documentation.<br /> Property documentation reflecting on all types of occupancy should be sourced. This documentation is typically leases, occupancy licences, and side agreements with the tenants. You should expect that some of this documentation will not be registered on the property title. Solicitors are quite familiar with the chasing down all property documentation and will know the correct questions to ask of the previous property owner. When in doubt, do an extensive due diligence process with your solicitor prior to any settlement being completed.<br /> The rental guarantees and bonds of all lease documentation should be sourced and documented. These matters protect the landlord at the time of default on the part of the tenant. They should pass through to the new property owner at the time of property settlement. How this is achieved will be subject to the type of rental guarantee or bond and it may even mean that the guarantee needs to be reissued at the time of sale and settlement to a new property owner. Solicitors for the new property owner(s) will normally check this and offer methods of solution at the time of sale. Importantly, rental guarantee and bonds must be legally collectable by the new property owner under the terms of any existing lease documentation.<br /> Understanding the type of rental charged across the property is essential to property performance. In a single property with multiple tenants it is common for a variety of rentals to be charged across the different leases. This means that net and gross leases can be evident in the same property and have different impact on the outgoings position for the landlord. The only way to fully appreciate and analyse the complete rental situation is to read all leases in detail.<br /> Looking for outstanding charges over the property should be the next part of your analysis. These charges would normally stem from the local council and their rating processes. It could be that special charges have been raised on the property as a Special Levy for the precinct.<br /> Understanding the outgoings charges for the properties in the local area is critical to your own property analysis. What you should do here is compare the outgoings averages for similar properties locally to the subject property in which you are involved. There needs to be parity or similarity between the particular properties in the same category. If any property has significantly higher outgoings for any reason, then that reason has to be identified before any sale process or a property adjustment is considered. Property buyers do not want to purchase something that is a financial burden above the industry outgoings averages.<br /> The depreciation schedule for the property should be maintained annually so that its advantage can be integrated into any property sales strategy when the time comes. The depreciation that is available for the property allows the income to be reduced and hence less tax paid by the landlord. It is normal for the accountant for the property owner to compile the depreciation schedule annually at tax time.<br /> The rates and taxes paid on the property need to be identified and understood. They are closely geared to the property valuation undertaken by the local council. The timing of the council valuation is usually every two or three years and will have significant impact on the rates and taxes that are paid in that valuation year. Property owners should expect reasonable rating escalations in the years where a property valuation is to be undertaken. It pays to check when the next property valuation in the region is to be undertaken by the local council.<br /> The survey assessment of the site and tenancy areas in the property should be checked or undertaken. It is common for discrepancies to be found in this process. You should also be looking for surplus space in the building common area which can be reverted to tenancy space in any new tenancy initiative. This surplus space becomes a strategic advantage when you refurbish or expand the property.<br /> In analysing the historic cash flow, you should look for any impact that arises from rental reduction incentives, and vacancies. It is quite common for rental reduction to occur at the start of the tenancy lease as a rental incentive. When you find this, the documentation that supports the incentive should be sourced and reviewed for accuracy and ongoing impact to the cash flow. You do not want to purchase a property only to find your cash flow reduces annually due to an existing incentive agreement. If these incentive agreements exist, it is desirable to get the existing property owner to discharge or adjust the impact of the incentive at the time of property settlement. In other words, existing property owner should compensate the new property owner for the discomfort that the incentive creates in the future of the property.<br /> The current rentals in the property should be compared to the market rentals in the area. It can be that the property rent is out of balance to the market rentals in the region. If this is the case it pays to understand what impact this will create in leasing any new vacant areas that arise, and also in negotiating new leases with existing tenants.<br /> The threat of market rental falling at time of rent review can be a real problem in this slower market. If the property has upcoming market rent review provisions, then the leases need to be checked to identify if the rental can fall at that market review time. Sometimes the lease has special terms that can prevent the rent going down even if the surrounding rent has done that. We call these clauses ‘ratchet clauses’, inferring that the ‘ratchet’ process stops lower market rents happening. Be careful here though in that some retail and other property legislation can prevent the use or implementation of the ‘ratchet clause’. If in doubt see a good property solicitor.<br />So these are some of the critical financial elements to look at when assessing a commercial Investment Property. Take time to analyse both the income and expenditure in the property before you making any final choices regards property price or acquisition. </p>]]></content:encoded> <wfw:commentRss>https://owhwyln.info/choosing-a-commercial-property-with-financial-advantage/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> </channel></rss> If you would like to create a banner that links to this page (i.e. this validation result), do the following:
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