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10 Questions To Ask Your Real Estate Investment Advisor (Part 1)

DAWhether you are an experienced investor or just a beginner, you should always beware of the guru who read a couple of books and armed himself with some general information. I'm not talking about the book and tape salesperson here, but rather the realtor, wholesaler or self proclaimed real estate specialist who is trying to sell you an investment property. Whether you're buying a property or going into business with someone, you should always do your homework.
DAIn this article, the first of two parts, I'll offer some of the questions you should ask anyone before working with them Replica Movado Watches.
D) Are you, yourself, an investor and how many properties do you own in the local area?
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D) Can you provide me with a list of bank owned and foreclosed properties in my area?
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DAIf they can't provide this, run!
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DAIf they can provide you a list, pick a property on it and ask this next set of questions(Fake Zenith Watches).
D) What's the property's tax value?
DAThis is a "DUH" question - if the Realtor or Investment Specialist can not give you the assessed value of a property, they need change careers Chanel Replica Watch. You would be surprised by the numbers of "PROS" that don't even know where to start to look for that information Replica Watch.
DAGenerally, the tax value or the accessed value put on a property in Georgia is typically 10 to 20 percent below the market value Vacheron Constantin Mens Watches. When I start my search for possible deals, the first thing I look for is properties priced below the accessed value of the property Vacheron Constantin Replica Watches.
Dxample #1
DAList Price is $200,000
DAAccessed Value is $220,000
DAThis might be a possibility because I estimate the Retail Value of the house to be 10% higher than the Accessed Value or $242,000.
Dxample #2
DAJust reverse #1 - list price is $220,000
DAAccessed Value is $200,000
DAI probably would not consider this house because I estimate the Retail Value of the house to be $220,000 - no deal here!
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D) Can you give me a list of comparables in the area?
DAAnother "DUH" question(Fake Chopard Watch). Most Realtors can pull a Comparative Market Analysis (CMA) which will show the sales history for the past year to include the following categories: Sold, Expired, Under Contract, and Active Listing Replica Rolex. Additionally, the Realtor should be able to provide a Area Market Analysis (AMS) which will provide the average Days On Market by category.
D) How many days has this property been on market (referred to as Days On Market, or DOM)?
DAIf their reply is 揑 don't have access to that information? run. Any Realtor should know that information is available but finding it is the trick(Emporio Armani Wristwatch). Keep in mind the length of time the property has been on the market does not coincide with the foreclosure date. It could take 30 to 60 days after a property has foreclosed to get it listed with a realtor and into the MLS.
DAWhy are days on market important? The longer the property has been on the market - the more flexible the seller(Christian Dior Fake Watches). Banks and other financial institutions are not in the property management business Jacob & Co. Mens Watches. Everyday expenses include loss of income, maintenance, insurance, and possible vandalism. I like to submit low offers on properties that have been on the banks books for over 4 months Baume & Mercier Ladies Watches. Offer cash with a quick closing - you will be surprised how flexible the banks will become considering it may be the only offer they have received on the property Replica Handbags Watches Replica.DA

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By:Fadhrick Pickaso


The acronym "TIC", which stands for tenancy in common along with the terms "co tenancy" and "fractional ownership" refer to arrangements under which two or more people co-own a parcel of real estate without a "right of survivorship" This type of co-ownership allows each co-owner to choose who will inherit his/her ownership interest upon death By contrast, the type of co-ownership called "joint tenancy" requires that each co-owner's interest pass to the other co-owners upon death
Common Disputes
Whether, a tenancy in common or a joint tenancy, Aside from logical mediation and negotiation, a tenant can apply to the court pursuant Most commonly, the court will appoint a trustee to oversee the sale of the property However, there are other solutions The most complaints are usually about: access to the premises by the landlord/agent; maintenance of the property; and withholding security deposits Some of the most common disputes between landlords and tenants involve nuisance behaviors such as loud music, rowdy guests, unkempt property and other annoyances Usually the landlord has to intervene because he or she has received several complaints from other Tenant in Common regarding another resident's behavior When confronted, many of them will either take offense or claim that their actions are justified or permitted under the current lease agreement Landlords and tenants also frequently clash over housekeeping and upkeep Another common problem that exists between landlords and tenants is disagreements over maintenance and repairs Fake Watch. Disputes can arise when Tenants in Common find their security deposits have been used to repair damages, replace carpets or cover unpaid utility bills A tenant in common has a responsibility to live up to all terms and conditions of the contract, whether it be oral or written, If a portion of the deposit is sent to the tenant in common, the landlord has a legal responsibility to acknowledge why a portion of the deposit was withheld in writing, a tenant continues to have difficulty retrieving a security deposit the tenant in common has the option to take the landlord to small claims court There may be amenities shared between two or more properties, for example, drains and pipes, shared drives or the roof of a block of flats Responsibility for maintaining them and rights to use them, the legal documents may give you as a property owner rights over your neighbor's property If a dispute arises between neighbors about the boundary between their properties, it will be necessary to establish who owns the disputed land Replica Watches. The primary evidence will be contained in the legal documents Clear evidence of this kind is normally conclusive Where there is a shared amenity that is in need of repair the first step is to find out who is responsible for repairs However, the legal documents may not always provide clear evidence and, in this case, it is probably best to settle in advance that the costs will be shared between owners
Disputes can arise between landlords and tenants regarding rented accommodation In many cases, these disputes can be resolved informally between both parties Sometimes however, it is necessary to get an independent and impartial third party involved A third party can hear both sides of the story and decide on the most appropriate resolution A private residential tenancy means a tenancy that is agreed privately between a landlord and a tenant Replica Watches. a tenant aybe renting a room in landlords home,in which case,a legal rights are different from those in private residential tenancies
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By:Tim Knox


I'm often asked: what is the best way to finance a new business venture This question is usually followed by "So, do you ever invest in new business ventures?"

The answers, respectively, are: 1 there is no "best" way to fund a new business; and 2 I do invest in new business ventures, but darn it I can't today because I left my checkbook in my other suit

The truth is there are a variety of ways to finance a new business and which way is best for you depends totally on your product, your market, your financial requirements, your burn rate, and most importantly, your personal and financial situation

So with that in mind, here are a few of the most common ways to finance a new business without hitting old Tim up for a loan Keep in mind that all methods have pros and cons and some (or most) may not work for your specific situation No matter what financing method you choose thoroughly investigate the ups and downs and don't jump in with both feet until you're sure you'll land on solid ground


Savings and Investments

The first source you should consider tapping is your own savings and investments I'm a huge fan of self-financing when it comes to business because it doesn't make you responsible to others should the business fail The bad thing is that it if things do go under, it will be your money that goes down with the ship If you're not willing to risk your own capital you certainly shouldn't be willing to risk anyone else's


Friends and Family

After tapping their own savings and investments, many entrepreneurs turn to friends and family for help This works well for some, but here's the creed I live by: NEVER borrow money from anyone you have to eat Thanksgiving dinner with Nothing causes tension in a family like lending money that is never paid back Replica Watches. And notice I say "lending money" rather than investing money Venture capitalists invest money Your relatives lend you money They will expect it back someday even if they say they won't Remember, when a loved one invests in your business they are emotionally investing in you Replica Watches. It would be tough to tell mom and dad that their favorite son lost their life savings because his business went down the drain T8 LED Tube.


Credit Cards

I financed my first business on credit cards, which was an incredibly stupid thing to do given the fact that my business could have failed and left me with thousands of dollars in credit card debt that would have taken until the year 2099 to pay off It worked out in the end for me, but if you decide to finance your business on plastic keep in mind that you will be paying extremely high interest rates on the money you've borrowed and unless you hit it big you will be paying for that money for many years to come


Mortgage The Farm

Bank loans are next to impossible to get if you don't have collateral and a track record of business success, which is why many entrepreneurs use the equity in their homes to finance their business after being turned down for a bank loan While this makes more sense than building a business on a deck of credit cards, the financial risks are no less abundant You must pay this money back whether your business succeeds or not, but it is a good source of low interest money to get you started and the interest may be tax deductible (check with your accountant to make sure)


Angel Investors

An angel investor is typically a wealthy individual who invests in start up ventures for a share of the ownership Angel investors are usually the first formal investors in a business and provide the seed money to get the business up and running Some angel investors will write you a check and leave you alone to run your business while others consider their investment a license to "help you" manage and make decisions If you do accept angel money make sure the terms are clearly defined on both sides Angel money always comes with strings Make sure you know whether those strings come in the form of a bow or a noose before you accept an angel's check


Venture Capitalists

Venture capitalists are to angel investors as pit bulls are to Chihuahuas That's not to say all VC are big, bad dogs, but they do have powerful jaws that can chew up your business and spit it out if things don't go their way VC money doesn't come with strings, it comes with chains and locks and lots of legal documents VC always have the upper hand in any deal they invest in That's just how it works and that's the price you pay to get access to VC money

If your business gets to the level that VC money becomes a viable option, don't jump at the first bone a VC dangles before your eyes If one VC likes your idea, others will, too Present to multiple VC and carefully consider each offer before you accept the check

Just remember, no matter how you finance your business, use the money wisely Don't buy $1,500 plasma monitors and $1,000 Hermann Miller chairs

Have a very clear plan of how the money will be used and how it will be paid back

And remember this, the more you can shoestring the business, but more of the business you will own in the end
About the author:
Tim Knox
Entrepreneur, Author, Speaker
Tim Knox is a nationally-known small business expert who writes and speaks frequently on the topic
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IPSWICH resident and Fellow at The University of Melbourne and Counselling Centre director Dr Patricia Petersen has conducted research to demonstrate what both sexes want on Valentine's Day.

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Dr Petersen said she interviewed 1000 Australian men and women (aged 18 to 70), with women reporting they wanted their partners to romance them and brochure printing to be given gestures and tokens of love, while men said they were tired, wanted to rest and have sex.

"Men made it clear that they were concerned about spending a lot of money on Fendi Replica Handbags gifts. Many reported that they were worried about over- spending Replica prada wholesale or not spending enough and disappointing their partners," Dr Petersen said.

"The good news is that women are sensitive to the impact replica bag wholesale that the economic downturn and don't expect to be treated to expensive dinners and outings.

"Most women said that they would be happy on Valentine's Day if given inexpensive gestures of love, such as a card with 'I love you' written on it and spending the night in watching a DVD."

Valentine's Day is on this Sunday, February 14.

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MYSORE: Women continue to shine in the Karnataka State Open University (KSOU). At the 10th convocation scheduled on Thursday, 53% of the total 13,076 candidate who will get their certificates links of london are women.

While they outsmarted men in humanities, social science, commerce and management, men performed better in education and science and technology faculties. Among the 11 candidates who have been awarded the doctor of philosophy (PhD), seven are male.

Karnataka Loyayukta justice N Santosh Hegde will deliver the convocation address. Governor-chancellor Thomas sabo charms Hansraj Bhardwaj and pro-chancellor and postcard printing higher education minister Aravind Lmibavali will attend.

Women continue to fare better and even their intake is higher, KSOU V-C K S Rangappa said on Tuesday. Among the 9,426 successful candidates in PG courses, 5,128 are women and in UG courses it is 1,818 among the 3,639 passed.

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But in PG courses, students in MA (English) have fared poorly at 44.93%, the lowest in humanities. Distressingly, only 37.13% students passed the BA courses. The diploma and certificate courses have posted a 62.42% results.

In all, 5,250 students have passed the courses in humanities followed by social science (4,041), commerce and management (1,879), science and technology (1,426) and education (480). However, there are Prada Replica Handbags no PhDs in the science and technology faculty. There were 17 PhDs last time.

The KSOU's gold medals have been shared by 22 students and 23 have got cash prizes. For Reprint Rights: timescontent.com

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Internet retailer Flowers Direct have an unearthed a curious difference in the Mother's Day shopping habits of men versus women. Looking at last year's sales data it was apparent that a large proportion of orders were for two bouquets of flowers - one for the customer's own Mum and the second, apparently for the customer's Mother-in-law. When the purchaser was female, however, in over two thirds of cases it seems that more is spent on their own Mum than on their mother in law - by about GBP 5. So the bouquets are inevitably different too.

When it comes to Men, on the other hand, they tend to spend the same and buy identical bouquets.

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"My husband would behave like that," comments Flowers Direct's Brand Manager, Emma Bowes. "He'd be scared that he'd be in deep hot water if he spent catalog printing more on his own Mum!"

"But women seem to be a tad more preferential," adds Marketing Director, Michael Duffy, noting that Emma will not comment if she spends more on her own Mum rather than her Mother-in-law!

"Women definitely take more care on selection however. And despite giving preference to their own Mum, price-wise, they take the time to browse the site and pick out Mother's Day flowers they think each of the recipient's will love. Our research shows they consider things like the recipient's favourite flowers, colours and the room scheme for where the flowers are likely to eventually be displayed. Men though are more likely just to bag two of the first thing that they see!"

A further scrutiny of last year's sales data shows that Men are far more likely to shop from the Mother's Day lines presented on the home page.

"Flowers in selling positions one, two and three just whizz out with the men," comments Duffy. "Yet women seem to spend more time browsing the site and buying from a wider selection of lines. Men in general definitely adopt a 'hunter' like approach to sorting out the Mother's Day gift task. The first reasonable offer they see will do. And women seem to take a more considered approach, enjoying weighing up the various options before making more Chanel Replica Handbags considered purchases. Obviously not all women behave one way and all men the other, but the stats do show a notable difference in behaviours between the sexes."

Flowers Direct's range of Mother's Day flowers starts at a just GBP 19.99. And many lines feature free chocolates - an equally popular add links of london on for both men and women gift shoppers.

"We expect Mother's Day to be buoyant," adds Duffy. "Even in recession, just like last year, people still want to send their Mum a special treat. And people would have to be pretty hard up not to want to do that."

About Flowers Direct:

- Flowers Direct are an online floral gifting retailer supported by a nationwide network of 800 independent florists.

- Orders are gathered by the company through its award winning website fulfilled by its florist partners.

- In 2007 the company purchased Flowergram, a rival flower relay brand and integrated this into its brochure printing main business. Also during 2007, the business was acquired by Manchester based venture capitalists, Zeus Private Equity, who hope to substantially grow the business over the next three years.

- On acquiring the business, Ze
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Byline: Jeff Salway

THE pensions gender gap continues to grow, with new research showing that women retiring in 2010 can expect to receive more than GBP 7,000 a year less in retirement than men.

And while changes being introduced in April will give thousands of women the chance to boost their state pension entitlement, the gap will widen further unless more women take advantage of opportunities to reduce the deficit, experts have warned.

Women planning to retire this year can expect to get an average annual pension of GBP 12,169, about 11 per cent less than if they had retired a year ago, and GBP 7,424 less than the average man retiring in 2010 can expect - GBP 19,593. The gender gap has widened by an average of GBP 782 since early 2009, according to Prudential.

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Laith Khalaf, pensions analyst at Hargreaves Lansdown, said: "Working patterns and life expectancy mean it is hard to see how the pensions gender gap could ever be eliminated. The GBP 3,600 pension allowance for non-earners provides an annual opportunity for full-time mothers and their spouses to go some way to closing the gap."

There are other measures that many women can take to improve their chances of a decent retirement income. Just one in three women qualifies for the full state pension, compared with 90 per cent of men, as they currently have to make 39 years of National Insurance contributions to qualify.

Under reforms coming into force in April, however, men and women reaching state pension age on or after 6 April will need just 30 qualifying years, giving women with incomplete records - often because they stopped work to raise children - more hope of securing the full pension. Women can also buy back missing years of contributions for GBP 400 a year.

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The pension reforms also mean women will have to wait longer to claim their state pension, though, with the age at which they can do so gradually increasing from 60 to 65 over the next decade.

Susann Kulhas, director of Edinburgh IFA Female Financial, said: "If you have the ability to make up a shortfall in your basic state pension, do it. Depending solely on the state pension will result in an austere retirement but I still believe it offers incredible value for money."

The pensions gender gap also reflects the difficulties faced by many women in securing some pension entitlement in the event of divorce, according to Kate Philip, managing director of Edinburgh IFA Independent Women. She said: "On divorce many women still do not affirm the rights to their husband's pension, preferring more to gain the family home. However, often the amount required to support a decent pension for them in retirement is worth far more than a catalog printing family home."

This is exacerbated by the tendency for many women to opt out of company pensions, Philip added. Just 47 per cent of women are saving adequately for retirement, according to a study by Scottish Widows last year.

"Women should always join their company pension when available, as by not doing so they are effectively refusing extra remuneration," said Philip. "They also need to adopt a more diversified strategy than a tendency to invest in cash or property and make their own separate pension provision."

Women without access to a company pension should consider saving instead through a personal pension, Philip said. "Even the most basic sta
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Byline: Steve Doughty Social Affairs Correspondent

WOMEN who retire this year will have an average brochure printing pension of [pounds sterling]234 a week - less than two-thirds that of their male counterparts, a survey found.

The research suggests that retirement incomes for women are falling faster than those of men as the squeeze on pensions begins to bite.

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The survey for Prudential said women who retire this year can expect an average annual pension of [pounds sterling]12,169. The figure for men is [pounds sterling]19,593 - a difference of [pounds sterling]7,424. That means women's pensions will be on average 62 per cent that of men's.

The [pounds sterling]12,169 replica bag wholesale figure - or [pounds sterling]234 a week - has fallen by 11 per cent on the figure produced by the same survey last year. However, pension expectations for men have dropped by only 3 per cent.

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Women have lost out because many did not contribute to a pension fund in years in which they gave up work to raise families. And because the compulsory retirement age for women is 60 compared to 65 for men, women have five years less to amass a pension Thomas sabo charms pot.

The level of pension expectations for women - which includes their likely state pension - means a high proportion will face poverty in old age. Prudential advised them to try to keep paying private pension contributions and National Insurance for their state pension during career breaks while they bring up children.

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