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Property Investment Vs Property Speculation

Most people get Real Estate wrong for two simple reasons.:

1. They don’t understand the difference between an asset and a liability
2. They don’t understand the difference between investing and speculating

The broke majority live under the misguided belief that their family home is an asset. An asset by definition is Something valuable that an entity owns, benefits from or has use of, in generating income. The key is the words generating income. By that definition your home is not an asset, it is a liability. It does not generate income, it costs you money.

The broke majority will borrow as much as they possibly can, to buy the most expensive home they can afford, in the mistaken belief that this is a good investment. In fact they are are burdening themselves with the worst kind of debt. Long term, expensive, non-deductible debt that produces no income in return. The same kind of debt that lead to the housing collapse in the USA.

Successful investors understand this crucial point. Your home is not an investment.

The Business Dictionary defines an investment as Money committed or property acquired for future income. Now some will argue that an investment doesn’t have to produce an income and cite as an example gold bullion, collectibles or share futures contracts. By definition, none of these are investments, they are items of speculation. They can go up in value or, just as easily, go down. You are speculating on the future trade-able value, not investing in the inherent value of the income an asset represents. Tens of thousands of homeowners around the world discovered in 2009 that home values can fall and can fall dramatically and disastrously.

If you buy a house to live in with no income return expected from it, but in the hope it will increase in value, you are speculating not Investing.

If you buy a house to rent out, you are investing. The Australian government has long recognised the difference and that is why they allow you to claim the expenses relating to a rental property, including interest payments, as a tax deduction but do not allow any deductions for expenses incurred in buying a house to live in. In other words, the government is willing to share the risk of investing in income generating real estate because the risks are lower than tying up your money in your home.

Smart investors have a small or no mortgage on their own home and the majority of their borrowings are for rental property because that is the lowest risk strategy. They also get the best advice they can on quickly reducing the mortgage on their home.

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DLF Crest Park Place 2 Gurgaon +91 9811 999 666 DLF New Upcoming Project

DLF The Crest (Park Place-II), Gurgaon is an exquisite residential development that can fill your life with absolute sumptuousness. Serenity flourishes in every nook and corner of the DLF The Crest new residential property Gurgaon. Plentiful with striking facilities,” DLF The Crest (Park Place-II) Sector 54 Gurgaon- lets you lead a way of life that’s actually world class. From state of the art lifts to smart security system, you will discover living at “DLF The Crest new flats” expedient and stress-free. Absolutely sleek new residential apartments in DLF The Crest luxury project are the homes of your choice, of your dreams.

DLF The Crest super luxury residential apartments are located in sector 54 of Gurgaon, an area that is fast emerging. This project is located at the marvelous place of Gurgaon city’s map with easy and opportune access from all the major destination of Delhi & NCR. DLF The Crest Golf Course Road Gurgaon is well linked with transport systems. DLF The Crest new residential property Gurgaon is soon going to be transformed into the most desirable residential hub of the city. Besides this road, there are tenders for new roads which will connect DLF The Crest to other parts of the city. DLF The Crest Gurgaon Golf Course Road has the elite neighborhood.

DLF Group has always aimed at delivering the most exquisite housing solutions in the nation and is playing in the industry since very long. It functions with a highly qualified and proficient team that is dedicated and enthusiastic in its nature. The Group offers the most lavish solutions in the various parts of Nation that offer opulent standard of living to its residents.

DLF Crest is a superlative apartment complex spread over 9 acres, being developed on the values of hale and hearty & luxurious living and spiritual well-being. This new residential property in sector 54 Gurgaon is a masterpiece in itself thriving in a calm and serene environment. Construction of uppermost quality standards promises states of the art amenities & fortunate lifestyle features in the consummate living surroundings at DLF The Crest Golf Course Road Gurgaon.

DLF The Crest (Park Place-II) Sector 54 Gurgaon is the perfect abode for you and your nearest and dearest people as it has all the elite features required for a classy lifestyle. Don’t miss it! For any further details about DLF The Crest Park Place-II, please contact: +91 9811 999 666

HcoRealEstates

Website: www.HcoRealEstates.com

Find here DLF 5 The Crest as well as DLF Park Place 2 Gurgaon with its basic price list, features, amenities, location map and sizes. To know more call: +91 9811 999 666

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Blog Beast Creates A Home Business Marketing System

Blog Beast Creates A Home Business Marketing System. Blog Beast has created a marketing plate form to help any local business get found by their customers.

Eagan, MN, October 03, 2013 – Blog Beast Creates A Home Business Marketing System. Blog Beast has created a marketing plate form to help any local business get found by their customers. This new viral marketing system makes it easy to dominate a local community Nilsson says because it eliminates the technical problems in building a website.

Blog Beast will help all business to dominate your local or even regional market and explode your business online, all without spending more than a couple extra hours a week. AND it will cost you WAY less than traditional advertising methods such as yellow book ads, direct mail campaigns, bill boards, or newspaper ads.

Blog Beast simplifies the audio/video blogging experience by allowing the user to record video or audio with the aid of a mobile app. With two simple clicks, anyone can post a podcast or video online from a smartphone or computer, making Blog Beast essentially “grandma-proof.”

Sharing is also easier because Blog Beast allows users to reblog posts from other Blog Beast sites, giving the original author credit, while posting the content within their own blogs. A new proprietary commenting feature allows readers to share blogs and their blog comments on social media platforms with links back to the original blog posts.

Nilsson says, After intentionally staying on the fringe of the Home Business/Network Marketing Industry for a dozen years, the careful evaluation and due diligence of a dozen different top internet marketing systems, it was obvious that Blog Beast had the perfect combination of product, leadership, training and appropriate market timing. It’s very rare to have all of these elements come together in one powerful structure all at the same time. Together we can make a huge and important difference in people’s lives.

If you are interested in learning more on how Chad Nilsson can help you, Mr. Nilsson can be reached at 651-330-8032 Or visit him online at: Chad. or

Press Release Distribution Service by Straight Line PR ().

Contact: Chad Nilsson WCN, Inc. Eagan, MN 651-330-8032 Chad.

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Mumbai Developer Hiranandani Group Has Acquired Land Worth Rs 800 Cr

Hiranandani upscale, a Mumbai developer Hiranandani Group, is learned to have bought 135 acres in Bangalore, Hyderabad and Chennai for Rs 800 crore. According to a person involved in the transaction, the agreement was signed last month between Hiranandani upscale and three vendors in these cities. “The three parcels of land comprising 80 acres in Bangalore, Chennai 35 acres and 20 acres in Hyderabad,” said the person. Hiranandani Upscale development plans in these cities, townships at a later date.

The sale of these parcels have been on a farm and Hiranandani premium payment would be in three installments. It is estimated that the company has paid an initial amount (token money). Asked about the deal, Surendra Hiranandani, Managing Director, Hiranandani Group Hiranandani upscale and confirmed to ET the company plans to launch new projects in South India, but refused to share accurate data on trafficking .

It is learned that the company would raise funds for the operation through private placement to a special purpose vehicle (SPV) level. According to the same person involved in the case, Hiranandani upscale is in talks with four private equity players – three foreign and domestic – to increase fairness in the development of these projects. Mr. Hiranandani said: “We are not able to share information, but can only confirm that we are talking to some players for an EP to a SPV. Hiranandani upscale is an unlisted company, and will focus on projects outside Mumbai, with plans to enter the market in northern India at a later stage.
The Hiranandani group has plans to develop townships in the three cities on the outline of his plan Powai in Mumbai. Projects in the three cities will focus on the highest income group. It is reported that the projects will begin in two years and could take three years for completion. The operation is important because there are not too many great deals that take place in the real estate sector now. In the recent past, the offers have largely taken place in Mumbai. Last month, DLF sold its stake in its plot MIDC Andheri-Mumbai Rs 200 crore, while in May, DLF has also sold its stake in a property, also in Mumbai. The number of transactions has fallen as a result of the economic slowdown and liquidity.

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Helpful tips for finding a good iPhone developer for iPhone apps

Once you’ve decided you’re going to create an iPhone app, you need to source yourself a good iPhone developer. The iPhone developer market is quite saturated, so it might take some time for you to find the right iPhone developer for your project.

There are a number of places you can look to find an iPhone developer and we have included a few suggestions below to get you started:
Elance Elance is a website, much like ODesk, where you can find contractors to hire for specific projects. It is relatively easy to find an iPhone developer on Elance, especially because you can browse through contractor’s profiles to see references from other people who have worked with them. Elance is a great tool for finding an iPhone developer that is ready and willing to take on your iPhone app development task as soon as possible. Contractors will bid on your project and you can see who offers the best response and price before coming to a final decision. This is a great way to secure a good value iPhone developer.

Through Google Searching through Google you can find a bunch of websites that specializing in offering their iPhone developer services for iPhone app creation. It’s important that you take the time to browse through the examples of previous work to see whether they seem like an iPhone developer that will be able to create your dream project.

Ask around Apps are becoming relatively common and it’s likely someone in your social circles has commissioned an iPhone app, or at least knows someone that has. Working with a company that your friend or a friend of a friend has worked with is a great way to know that you will be gaining a high quality product. Investing in an iPhone app is a very exciting way to move your business forward and as such it’s important you find a company that shares your vision for your project. If you’re looking to hire iPhone developer make sure you do enough research to make sure that your iPhone developer is capable of creating your dream product within your time constraints.

Have you ever worked with an iPhone developer? What was your experience like?

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Decorating Your Kids Room Soar Through This Process With Airplane Kids Bedding

As a kid, I grew up on the south side of Chicago pretty close to Midway Airport. I was close enough that when a plane started to land all you could hear is the roar of the jet engines. My brother and I would go running out of the house as fast as we could to catch the planes landing. Our faces would be in amazement from the sizes of these planes and just how close we thought they would come to us. I remember telling my brother that when I grow up I was going to be a pilot.

Now just because I didnt become a pilot doesnt mean I stopped being interested in airplanes. That is whats great about airplanes. It is something that most kids dont grow out of. A lot of young kids become so fascinated with them that they make every toy they have fly. It could be a fire truck they have, maybe their G.I. Joe or Barbie doll (depending on if theyre a boy or girl), or just a pillow they sleep on. With their big imaginations, children can make anything happen.

That is the perfect reason to turn their room into a little airplane hangar. I think that airplane kids bedding is the perfect solution to decorate your childs room. Although it is more popular amongst little boys, it doesnt mean that your little princess cant have the dream of flying a plane or even becoming a stewardess. With airplane bedding all around, your childs dreams could be right in front of their eyes.

For the boys airplane bedding, the different colors of blue are what make these sets stand out. Blue seems to be the color of choice for a lot of kids bedding and nothing is different with the airplane bedding sets. The different combinations and varieties of blues will bring a special touch to your little ones bedroom. Dont forget about all the characters you can find on airplane bedding. There are some unique designs of stars, clouds, other vehicles, stop lights, and many different types of planes. You have some very nice choices to choose from.

Depending on how much you want to spend on this project might determine which accessories you decide to decorate the room with. You may need a lamp if theres not much lighting. Wall dcor is very popular because it gives the room a little pizzazz. All of these choices are up to you. You might even want to ask your young one if they want to help out. After all it is going to be their room and it will make the experience that much better for everybody.

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How Will The U.s. Housing Bubble Affect Panama Real Estate

The recent news that existing home sales in the United States had the biggest monthly slump in nearly two decades came as the murmur about the infamous housing bubble is reaching a crescendo. Fueled by predatory lending habits and Americas lack of monetary common sense, foreclosures are skyrocketing and home sales are stalling. The steep slump in housing over the past year has been a major factor slowing the overall economy. It has subtracted around 1 percentage point from growth since mid-2006. This may just be a blip on the map, but many industry experts are morose at the future prospects.

If United States real estate prices continue this downward trend, it is important to examine whether this will begin to deflate the Panamanian Real Estate market as well. When housing prices fall in the U.S., it becomes cheaper to buy in top retirement destinations like Florida and Arizona, the areas that Panama is currently in direct competition with. As those prices fall, as many are currently doing, it would be hard to imagine retirees finding overwhelming benefits of investing and moving to a third world country rampant with corruption, no provisions for disabled people, a major pollution problem, an impending traffic nightmare, almost no personal health or safety codes and all with foreign laws in a foreign language.

These factors combined with the amount of real estate and development that is currently going on in Panama could spell a major disaster. A new real estate agency is popping up almost weekly and the amount of listings are growing at an astonishing rate. One has to wonder if the supply of Panamanian real estate isnt outpacing the demand. Developers are pushing anything and everything they can, from one hundred story skyscraper condos to multi million dollar beach houses, and investors, not residents are buying them up. If the housing slump in the United States continues and real estate in The States begins to edge back towards realistic and affordable prices, it will be interesting to see the affect that it has on Panama and this golden egg we call the boom.

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Newberry, South Carolinas Wells Japanese Garden

The midlands of South Carolina would seem to be an unusual place to find a Japanese Garden. The town of Newberry has just such a hidden gem in the Wells Japanese Garden. The garden was once privately owned by the Wells family, but was donated to the city in 1970 and is now a Newberry city park.
The garden was designed in 1930 by W. Fulmer Wells. The young Newberry resident had been studying architecture in California. Fulmer was influenced by the design of the Japanese Tea Garden that he had visited at San Franciscos Golden Gate Park. The building of the garden was carried out by his father, Henry B. Wells, Sr. The small, triangular shaped garden was originally part of a larger residential property containing the Wells family home.

The Wells Japanese Garden has an exotic Asian character. The garden features many of the design elements that would typically be found in a traditional Japanese Garden. The entrance to the garden is through a Torii Gate, a traditional Japanese style gate often found at temple entrances. Torii literally means where birds reside. Most wooden Torii are painted red, as is the one in the Wells garden. A small creek flows through the garden, and a stone Moon Bridge crosses the creek. The half circle of this style of arched bridge is meant to reflect in the water below, creating a full circle between the bridge and its reflection. The garden also has two small ponds. A walking path leads to another ornamental structure, a Japanese Tea House, or Japanese style gazebo. A bench there provides a place for quiet reflection. The posts used in the Tea House were originally part of the historic Newberry Opera House, before its renovation in 1930. The garden also has a Japanese stone temple lantern, another design element typically found in Japanese gardens.

The garden contains both native and exotic plants. Visitors will find water lilies, lotus, Japanese iris, crepe myrtles, cypress, and dogwood trees among the garden plants. The Newberry Council of Garden Clubs maintains the garden as one of their on-going restoration projects. The Wells Japanese Garden is listed on the National Register of Historic Places.

The Wells Japanese Garden is located on Lindsay Street in downtown Newberry, behind the Newberry City Hall. It is open from 7am-7pm. There are no restroom facilities in the garden. Visitors to Newberry should take time for a quiet stroll through this charming little garden oasis.

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Things to consider while buying garden sheds

Garden sheds are sort of multipurpose storage place wherein you can store from most important to less important things in your property. The two major types of garden sheds available are In plastic and wooden. The durability of the shed depends on the material. There are many manufacturers and suppliers of garden shed in Bolton. So once you have selected which type of shed to go in for then the further segregation comes according to your use. All the manufacturers make custom made products to fit in your garden. You can order shed if you fit in any one of the following.

Sheds by size: most important factor to keep in mind while buying a shed. The size of the shed should be according to your utility and requirement. Its not the best idea to go for bigger shed when you are never going to use it.

Garden shed: normal shed to store the gardening equipments. Its not required to go for a massive shed if you are just going to store equipments.

Security shed: tough material of the shed to store the valuable or your household things which you don’t use it regularly but needs to be stored safely.

Summer houses: small arrangement for you to relax while your barbeque is cooked.

One can also fit a concrete garage type of arrangement in the garden. However this arrangement is going to be permanent and not easy to move compared to the wooden garden shed. Concrete garages are best explained if your purpose is not served by the wooden garden shed. If the requirement of the space is more then only one should go for concrete garage arrangement. There are many designs of concrete garages available in the market few of them are mentioned below to fit ones need.

Apex concrete garage: storing use with a distinctive look to fit your property.

Sloping concrete garage: simple arrangement giving a building like look.

Elite: more durable with the use of PVC and bricks and better quality of doors.

Double: need for more room can be satisfied by this arrangement with affordable prices.

Attached: sturdily attached to the house to increase the storage area.

Battery: three or more concrete garage arrangement to fit the need. Can be of same or of different length. Doesn’t need to be fitted in the same line.

X-height: little elevated than the normal garage so that high rise vehicles can fit easily.

Above are some of the tips to make your selection of shed easier.

David Botham currently researching on garden sheds. Stay connected with David for more information about garden sheds and concrete garages.

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Rustic Garden Furniture -why We Love Them

The attraction of country residing is discovered within the rustic garden furniture. One of many big reasons people tend to love rustic garden furniture is because it is usually not made in a manufacturing facility .The rustic garden furniture is unique with chairs, tables, benches, and arbors that depict early America.

The rustic garden furniture, which is fabricated from oak, cherry, and maple woods, honed into the gorgeous tables, chairs, benches, and different outstanding objects in your backyard or patio .

One other characteristic of rustic garden furniture that charm itself to people is the truth that each little imperfect knot or twist within the wood exhibits up. A few of the types of wood which might be typically utilized in constructing rustic garden furniture are cedar, hickory, cypress, and pine.

Rustic garden furniture can create a remote feeling on your yard which is what many people want. As yards get smaller and private spaces becomes more precious, anything that may make our space seem larger or more non-public is a welcome addition.

Maybe that is why this style of backyard furnishings has become so popular in recent years. This furnishings blends into the landscape which gives a false appearance of more space. It also tends to flow with the pure mood of a yard space relatively than standing out. It complements the privacy of your yard by not interfering with the serenity of its surroundings. It’s only natural that a natural setting could be properly served by rustic garden furniture.

Rustic garden furniture can also be referred to as farmhouse garden furniture and harkens back to the olden days of farms and country living. It has a style all of its own and is fairly special. Generally, rustic garden furniture is lumpy, massive and heavy. Occasionally it is roughly cut, however that is not always the case though it is not often carved in nice detail. Rustic garden furniture is constructed to last.

Natural character in rustic wood has infestation worth regard the artistic style. The natural form of wood in unique style with knot out of order makes its own appeal. Wood has a strong character naturally. It’s also very heavy and sturdy.
Outdoor wood furniture is commonly under the influence of temperature and moisture extremes plus the striking rays of the sun. When properly protected for, wood patio furniture may perhaps go on a number of years and still appear wonderful.

Outside furniture additionally performs vital role in sustaining the style and class of the house. Rustic garden furniture is a outstanding choice, some produced from a variety of woods.
Rustic garden furniture, old and new, might be discovered and purchased at flea markets, crafts fairs and garden outlets from coast to coast