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Tips in Landscaping your Garden

Landscaping is usually a fairly big task, consuming much time and energy. But before you hire that professional, here are some tips that could save both time and money.

1. Spend some time thinking about exactly how you want the final design to be. You need to take account of the style and function of your landscape. Do you want to include an area for entertaining? A barbeque? Is there to be an area for children to play, a fishpond or a swimming pool? An idea of the plants you want to be there will also help. Focus on the area where you spend most of your time. That’s a good place to start.

2. Think twice before hiring a pro. An independent designer might cost you hundreds of dollars when you may be able to access free plans on the internet or at a nursery. But if you have an awkward block such as very steep ground, a pro might give you the expertise to save costly mistakes.

3. The style of your home must be taken into account. If you have a rural cottage, formal gardens surrounding it will look out of place. Think also about your lifestyle. Do you want to spend hours caring for many beds of annuals or pruning beds of roses? If so, go ahead and plant them, but if you’d rather spend your free time at the beach, then go for an easy-care garden and landscape.

Here are the various landscape styles you can choose for your own garden:

a. Formal. This style uses lots of straight lines and perfect geometrical shapes. Orderly arrangement of plants instead of random positioning is employed. Close arrangement and pruning is seen on many landscaped gardens with this style.

b. Informal. This kind of landscaping workds well with cosy cottages. Beds with curved edges instead of straight lines and random placement of plants suit this landscape style.

c. English Garden. This style emphasizes the harmony between the house’s architecture and the garden.

d. Formal/Informal Garden. This style often comes with a brick walkway that exudes formality. This walkway leads to the rear with a circle of plants. The arrangement of plants resembles the English garden style but it has no formal borders.

e. Oriental. It is often the kind of garden found in small backyards. It uses rocks, evergreens and water. A wide variety of plants create several interesting angles with this style.

f. Woodland. This landscaping suits a house that has a wooded backyard and sloping ground.

With Property Investment You can Retire Young And Live Off Your Profits

In the fast-paced, exemplary world today, money matters more than most other things. This is the era of LPG (Liberalization, Privatization, and Globalization.)  People are interested in exponential growth of money rather than slow growth. So, instead of saving all your income and using it for your post-retirement life, you can invest your income in a judicious manner to multiply it and earn much more from it. Investment properties are a hot option for that kind of a plan. Investment property is a property that is not occupied by the owner, usually purchased specifically to generate profit through rental income or capital gains. There are lots of convincing reasons for you to realize the benefits of investment properties.

In the fast-paced, exemplary world today, money matters more than most other things. This is the era of LPG (Liberalization, Privatization, and Globalization.)  People are interested in exponential growth of money rather than slow growth. So, instead of saving all your income and using it for your post-retirement life, you can invest your income in a judicious manner to multiply it and earn much more from it. Investment properties are a hot option for that kind of a plan. Investment property is a property that is not occupied by the owner, usually purchased specifically to generate profit through rental income or capital gains. There are lots of convincing reasons for you to realize the benefits of investment properties.

Property investment is where you make a small investment into a property, typically one still being built, which is known as an off plan property and then go on to rent it out to get good dividends, and then once raised in price, you can sell it to gain a profit or to purchase more property.

No investment today offers the stability and simplicity along with the excellent returns offered by investing in property. The stock market can offer high returns, but it is a very volatile and unsteady place. This is especially true for non-professionals and there are so many external factors that can effect your financial investment. Not to mention the fact that the major stock markets have generally been underperforming and property investment stands head and shoulders above other forms of investments.  There are a lot of options when it comes to investing in property, as you can choose the option of investing in Commercial property such as industrial/offices, hotels, apartments, retail shops and the list goes on. It can be a residential property; you can buy it and sell it at a higher rate for capital gain or rent it for regular dividends.

Property is now the wise investor’s weapon of choice. No other investment allows you to purchase with other people’s money (Equity partners) and then pay this back with other people’s money (the rental income from tenants). If you own a property, you can release equity against that property. Although there is no law that states that your property will increase in value year on year, it is accepted that a well maintained property in a reasonable area will appreciate in value.

Here are some points which are sure to make you flabbergasted about the profits of property investment.

50% of individuals mentioned on The Times Rich List made their money through investing in Property.
A property worth just €4000 30 years ago would be today worth around €225,000
Equities or Stocks can be volatile, as with the .com crash, whereas a property is historically stable.
It is well documented that on average the value of a property doubles every 7 years.

Property investments provide equity growth and they maintain good cash flow and not to mention, the capital appreciation is higher than any other type of investment. According to figures from FPD Savills Research, the total net return including capital appreciation on a prime central London property was 18.6% last year. In the UK, the total net return was 16.3% and in Spain it was even a stronger performance during last year.

The benefit of investing in a property is that you can remove the emotion from the purchase and look at the property as an investment vehicle. This opens a lot of options for you. You can utilize your re-assignable contract option and sell at a substantial profit prior to completion, carrying no redemption penalty or you can take the “buy to let” situation and generate a good reliable rental income, including substantial capital appreciation.

Rental Income Investment Property

Condo hotels offer an innovative and hassle-free way to invest in a vacation home in the Philippines..

Many people dream of owning a vacation home. But often concerns about maintaining it, renting it out in the off-season, or even justifying the expense when it’s only to be used for a couple weeks of the year keep them from making the dream a reality. Now condo hotels, an innovative type of vacation home ownership, provide a welcome solution to all these problems.

Also known as condotels or aparthotels, condo hotels have been growing in popularity as an approach to owning a luxurious second home.

Condo hotel buyers purchase an actual condominium unit in an upscale hotel or resort. The property functions as a full-service hotel, and owners have access to all facilities, amenities and services just like hotel guests.

They receive a deed to their unit and can use their vacation home when they want. When not in residence, they can place their unit into the hotel’s rental program and share in the revenue it generates. Like most real estate investments, the owner can also sell his condo hotel unit at any time and may make a profit on its appreciated value.

Young professionals, baby boomers and seniors alike are just beginning to discover the benefits of owning a condo hotel unit. They appreciate the hassle-free nature of condo hotels as a second home in which a professional management company handles everything from property maintenance to finding hotel guests to rent the units. They also consider condo hotels a means to diversify their investments.

Condo Hotels Are Not Your Parents’ Timeshare

As hybrid properties, condo hotels differ from timeshares in a number of ways. With timeshares, buyers pay only for the right to use the property for a set amount of time each year, usually a single week. They don’t own the title to the property, and they do not receive any rent revenue for the weeks they’re not in residence.

Condo hotel owners can use their condos when they want throughout the year, within the guidelines of the individual development. They receive a percentage of any revenue their unit generates when they’re not there and the unit is rented out to hotel guests.

Timeshares traditionally diminish in value over time, rather than appreciate. While the history of condo hotel resales is rather limited, they are seen as an appreciating asset.

Condo Hotels Offer Facilities

How do condo hotels differ from owning a traditional single family house or condominium? Consumers who purchase a traditional condominium pay property taxes, insurance and maintenance fees, but typically don’t have access to hotel-type amenities.

Condo hotels, on the other hand, are not your standard second home. They are suites in a hotel designed condominium.

The properties often feature four- or five-star amenities, ranging from full-service spas and fitness centers to fully-equipped business centers and fine-dining restaurants. They also come with exceptional hotel services like concierge, valet and room service.

With condo hotels, owners reap the rewards of condo ownership while enjoying the privileges of a full-service hotel.

Condo hotel units range from studios and full-size apartments to luxurious penthouses and villas. Prices for these homes range from $250,000 to over one million for top properties.

Condo Hotels Generate Revenue to Cover Their Costs

What makes the condo hotel concept so appealing? When owners are not using their condo hotel unit, they have the option of placing it into the hotel’s rental program. They receive 60% of the revenue their unit generates with the balance going to the hotel operator. The revenue generated helps offset the costs of owning a holiday home.

While many hotel operators don’t guarantee the rental of the condo, by capitalizing on the hotel’s brand name, strong sales and marketing capabilities, centralized reservation system and management expertise, owners typically receive a higher level of rental income than they would from a traditional vacation home.

More importantly, ownership is 100 percent hassle-free, as the hotel operator takes care of finding hotel guests and maintaining the unit as well as managing the property’s many facilities.

Condo Hotel Expenses Are Shared

How are the ownership expenses split? As part of the rental agreement, the hotel pays for most operating expenses such as housekeeping, administration, sales and marketing. The condo hotel owner typically pays for real estate taxes, insurance and capital improvements. The rental revenue that owners receive helps defray these expenses and, in some cases, provides additional income.

Condo Hotels as Investment Tools

While developers primarily sell their condo hotel units as a lifestyle and vacation home alternative, many buyers see merit in the condo hotel concept as an investment tool. They say it gives them the best of both worlds. They can enjoy all of the benefits of vacationing in a first-class hotel while they own a property that has potential to appreciate.

For further information about Philippine condo hotels please do not hesitate to contact us:

Beth Collingz
PLC International Marketing Networks

Real Estate Investing: Short Sales Explained

This article contains an exert from an interview I conducted with a real estate short sale expert.  You will learn the basics of what a short sale is and also why banks are foced to accept short sales.

Before I begin, you should know my name is Ross Treakle and I interview real estate investors as part of my job.  In each interview I try and pick and pry at each investor to get the highest quality information so that my subscribers can hear up to date, high content interviews.

Below I have taken an exert from the very first interview I ever conducted.  I conducted this interview with my brother, Graham “Mr. Banker” Treakle.  Graham is a short sale investor with special insider knowledge as he has worked in some of the nation’s largest banking institutions.

I always start off every interview asking the speaker to speak briefly about there particular area of expertise.  Below is Graham’s answer to what a short sale is and why banks accept short sales.

“We’ll go over the numbers, Ross. A short sale is pretty simple. If you have a property that’s worth $150,000 and let’s say it has a first mortgage for $100,000 and a second mortgage for $40,000-what that means is the total debt on that property, or the total mortgages, is $140,000. Being a real estate investor, I wouldn’t want to buy a $150,000 house for $140,000. It doesn’t make sense.

A short sale is when you get the bank to not take $140,000, you get them to take less, like $110,000. The banks are going to do this for several reasons. First, they’re going to have a lot of expenses that are associated with a foreclosure. They’re going to have realtor’s costs, foreclosure costs, holding costs, repair costs-they’re going to have all sorts of fees associated with a foreclosure.

Inevitably, the bank is only going to recoup somewhere around 70% of the value of the property. That’s why banks will take short sales on foreclosures. The natural follow-up to that is, “Why are foreclosures such a hot commodity right now, and why is there a lot of buzz about them?” There are several reasons to that too, and it’s really scaring the banks right now.

The first one is: when I was at the bank and someone had equity in their home and I found out they had equity, I would call them up and say, “Hey, Mr. Smith, I see you have $30,000 in equity in your home. How would you like to get a home equity line of credit?” Or, “How would you like to pay off that car with a home equity loan?”

So banks are constantly calling these homeowners to use equity in their home because there are some potential tax savings in structuring your finances that way. That’s one of the things.

Secondly, inflation is outpacing wage growth. That means what it takes for you to buy milk and eggs today is going to increase faster than how much your earnings are going to increase on average. For instance, if you have someone who’s making $100,000 a year, let’s say inflation is 3% and your raise every year is 1.5%. So inflation is growing at twice the rate your salary is. That’s another component. That means folks are earning less and less, relative to the goods they’re going to have to buy.

The next thing is that a lot of folks may recall this brief refinance boom we’ve been going through, which is pretty important. People went out and got a lot of mortgages called “Adjustable Rate Mortgages,” which have an extraordinarily low interest rate to start, let’s say 3% in some cases. But in a couple of years, maybe two to five, depending on the term of the Adjustable Rate Mortgage, their rate is going to go up, it’s going to adjust upward.

So people went out and bought more house than they could normally afford, or they refinanced, got the low payments, and bought a car that they couldn’t afford if their payment had to adjust upward. What’s going to happen here in the next two to five years is that all of these ARMs are going to be adjusting upward, and that’s pretty critical because people aren’t going to be able to afford them.

They aren’t going to be able to afford them because they didn’t count on it, and also because inflation is outpacing wage growth. All of this sounds great, but you may say, “How is that going to affect my business?”

Here’s the way it affects your foreclosure real estate business. If you’re in a judicial foreclosure State, where properties that are in foreclosure go through a judicial process before a foreclosure is complete; or a non-judicial foreclosure State, where the properties go through a trustee as they’re going through a foreclosure-you’re going to see less and less equity in these properties.

So if you know, like I said earlier, that banks are going to take short sales because of the numbers-meaning they have to pay all of these expenses-and the foreclosed properties aren’t going to have a lot of equity in them, you have to be able to negotiate short sales effectively if you’re going to be working in the foreclosure market.

The foreclosure market represents the most motivated sellers. Traditionally, with motivated sellers, you’ll find really good deals. That’s why banks are going to take foreclosures on the conditions that are spurring on all these foreclosures. It’s an amazing phenomenon that we’re working on right now.

Folks might also ask about a common [inaudible]. Well, what if we’re in a real estate bubble? If we’re in a real estate bubble, that means values are going to go down, which means folks are going to owe more than what their property is worth. Again, negotiating short sales is going to be critical to your success in the foreclosure business. If we’re not in a bubble, that’s fine too.

We already [backed out] the numbers; still negotiating short sales is going to be critical to your real estate business because people are borrowing up to, and sometimes above 100% of the value of their property. Whatever way you slice it, as far as having a skill, negotiating short sales is probably, in my opinion, one of the most lucrative skills that someone can have as a real estate investor.”

I hope the above information gives you some insight into the world of real estate investing and short sales.  Graham has worked very hard at becoming an expert on this topic and is a resource you should inevitably add to your business.  If you would like to hear more information similar to this exert and many other interviews please visit my site at <> and sign up to receive all of my interviews at absolutely no cost.  Also, if you would like to learn more about Graham “Mr. Banker” Treakle you can follow this link to his website, <>.

Buying land for sale is a worthy investment

Investment doesn’t necessarily mean having to exchange currencies, buy art or make a chain of restaurants. The easiest way is to buy land for sale in the UK and start with a minimum capital just to reach the top in a short time.

The richest men in the world including Donald Trump and Howard Hughes have made billions investing in land for sale. Actually most investors have made fortune in land for sale. So if this idea has never crossed your mind then it is time to get a closer look at land for sale as an investment because it can produce great returns at very low risk.

Most investors have bought land for sale in the UK and this business has been a very profitable one making triple digit returns just in a few years. Many companies specialized in land have made it possible for foreign and UK investors to buy land for sale in UK with just $10,000.

If you are interested in investing by buying land for sale in the UK here are some hints of how you should get started.

UK land is a better investment than other (like properties, equities and derivatives) because the risk one takes is smaller in this case. Business with land for sale in the UK is and will be a good investment in the near future. Prices grow more and more everyday because UK is one of the most populated countries in Europe. The growth in population increases the pressure on house demand, so the investment business with land for sale in the UK can only profit from this aspect. The last few years, the land for sale in UK, near the city areas, has given investors a good opportunity to gain a lot in a short time.

If you want to know the secrets of capital growth through land for sale investments then you should keep on reading. The most important thing to keep in mind is the location. If you are looking to purchase a land for sale then you should buy one that will get a planning permission in the future. When you invest in a land for sale, your capital is guaranteed as soon as you obtain permission in building houses. The trick is that even if it sounds easy there is no guarantee that you will obtain the planning permission.

So there are some downsides but they are limited. There is no certainty that investing in land for sale in UK or any other country will make your capital grow. Land’s value may not increase as much as you expect, but statistics show that land prices do grow so the risk is limited. On the other hand, land companies give investors the opportunity to turn their purchased land into money by giving them “buy back options”. This means that they can liquidate and bank their money quickly. So, the risks are reduced even more and it is very likely for the investor to gain profit.

This method — of buying land for sale in order to gain profit (called land banking)– is the easiest one because all one has to remember is to buy land for sale in the best location, obtain the planning permission and the investment is guaranteed.
In conclusion, investing in land for sale in UK or in other countries is a perfect example of how investors can triple their capital in a short amount of time, with low downside risks.