How Investing in Property is Better than Any Other Form of Investment?

by

Aarika Rastogi

Investment property is different from residential property because it is purchased with the objective of gaining a return. This type of property is meant for rentals and can be in any form such as an apartment building, a duplex, a single-family house, commercial property or a vacant land. Investing in property is considered to be a profitable venture and more and more people now prefer investing in property instead of the share market.

What makes property investment a good idea is that an investor can borrow maximum value of the property and get the tenant to cover the mortgage payments through rent. It is an effective wealth creation strategy and facilitates financial security in the future. Moreover, there is lesser risk in investing in property as compared to the shares. Those who own rental properties have to be careful with their investment decisions and should take help of a professional for rental property management. With the help of proper rental property management, one can maximise the return on investments.

There are numerous benefits of investing in property instead of shares and stocks:

1.Lesser risk than stocks and shares- Properties can never go out of fashion. No matter what the market conditions be, people would continue to buy and rent properties to fulfil their housing and commercial needs. Investment property is a safe bet in the current economic conditions and with property being a real and tangible asset, it will always be in demand and can be sold in the market. On the other hand, shares and mutual funds can lose their value when the stock market crashes and you can lose all your invested money overnight.

2.Double income- Through proper rental property management, you can earn extra income because the value of property is bound to increase over time, due to a favourable economy and population growth. So it is likely that the current price of your investment property may be higher than the price at which you bought the property.

3.Leveraging- It refers to using the money of others for your own financial benefit. Investing in property allows you to take that advantage. A property investor can maximise his wealth by leveraging his money to buy investment property.

4.Taxation benefits- Investment property owners can enjoy the liberty allowed by the Australian Taxation Office (ATO) in terms of taxation. An investment property is tax deductible, so if you are a property investor you can claim a tax deduction for the expenses that incurred in buying the property and its management.

However, to enjoy these benefits of investing in property, you have to be very careful about where to invest and when. While share market is highly volatile and fluctuates too often, real estate market is also not untouched by price fluctuations and uncertainties. While purchasing an investment property it is important to consider the following points- location of the property, current price and forecasted future price, population in the area, growth prospects, transportation facilities in the region, whether the expense on the property are higher than the returns and the risks involved in buying the property.

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ArticleRich.com

By Ryan Paulin

Independent financial planners simply represent their clients apart from a company or those who give independent investment advice. But like any other professional, a certain degree of standard, educational background, training and certification is required before one becomes qualified for the job.

What do independent financial planners do? They do a thorough study of their client’s financial status, goals and financial preferences. They map out a plan to meet a person’s financial goals. They are also mandated to disclose their fees and services to potential clients.

They are consulted in matters of insurances, retirement plans, pensions, investment, real estate, tax and other legal issues. One of the advantages of hiring an independent financial planner is that they are free from representing any conflict of interest. Most planners who are working for a company, bank, or insurance may place their own interest before your own. This makes them less dependable and ineffective.

What do you look for in an personal financial planner? He or she must be a member of the National Association of Personal Financial Advisors of NAPFA. With this kind of affiliation, a full disclosure of their fees will be shown to you before they manage your assets or help you implement your financial goals.

Just like any other professional, ask for their academic credentials, licenses and designations. Knowing their capacity in line of their work is great information when it comes to looking for a qualified financial planner. Certain certifications and trainings required for all independent financial planners are available on the internet for your perusal and consideration. Take advantage of the information that you can derive from websites that offer listings of qualified financial planners.

When it comes to fees independent financial planners can charge by commission, fees, fee-only or a combination of both commission and fees. Study all these options and find out which one will be most effective yet affordable for you.

During the interview process, ask them the right questions like their work history, clientele, and their qualifications for the job. Independent financial planners will work harder since they are still working for a good work reputation. Also, do not forget to ask for a copy of their ADV form II which will disclose their past administrative sanctions or criminal offenses.

When entrusting your future into the hands of a financial planner, it is but right to make the necessary investigation. Listening to your intuition and finding out the work ethics of your financial planner is also crucial in matters of your financial future. It is best to deal with someone you are comfortable with. Find someone who is worthy of your trust and confidence.

With the right amount of information, good referrals, online inquiries, thorough interview, you are now ready to choose your own personal financial planner. A good investment guide is the best weapon you will ever have in the world of financial planning and investing. Good decision making, planning and execution will account for the kind of future that you will have. Find good independent financial planners now and reap the rewards of your hard earned money!

About the Author: Are you looking for more information regarding

Independent Financial Planners

? Visit

financialplanners.net

today!

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byadmin

An HVAC system is vital to the comfort of your home. These systems can last between ten and twenty years before needing to be replaced. By making this investment, although it may seem expensive, you will get your money’s worth over time. Here are a few things to consider before you take the plunge into finding a new HVAC system for your home.

Find an HVAC installer. This may seem obvious, but you may find an HVAC system that isn’t provided through a professional installer, which is never a good idea. Unless you are an HVAC expert yourself, never install the system yourself. To get the best results, always hire a professional.

Understanding prices. There are two prices when it comes to HVAC installation. There is the price of the unit and the price of installation. As stated above, you may find the right system outside of the professional, and this can save you money, but always be aware of prices as you get what you pay for. A professional is suggested for both the system and the installation process.

The size of the unit. You should find your HVAC unit through a professional, as the size of the system may not be the right one. There are many different sizes, and they can change depending on your home and your lifestyle. Talk to a professional about the sizing of a unit before you choose one. They will most likely ask you about your lifestyle and help you decide what size unit your home needs.

A new system provides efficiency. New HVAC systems can help to reduce your energy bills. Newer systems are more energy efficient than older systems, and you can really benefit from this. They can also help with dust control and keep allergens out of the air. You will notice a difference when your older system is changed out for a newer one.

Maintenance. So, what will the maintenance on your new system be? Most professionals suggest a yearly checkup for your system to make sure that all is well, and you are getting the most out of your system. Ask your HVAC professional about maintenance as many provide a type of maintenance contract that can help to benefit you in the long run.

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Submitted by: Simona Coates

When one considers Dubai s property market, there are two very distinctive sides to the real estate market that should be considered separately

There is the off plan property sector, which in the opinion of many property experts, the near-term will see profit potential softening as the ability to realize profits from buying and flipping throughout the development process requires ongoing strong demand from other property investors for this sort of property stock – and that demand is just not as evident in the market as it once was.

It is likely that high levels of straight investment into the off plan property market will diminish in the near future.

Alternatively, there is the established marketplace, which encompasses the resale and rental of completed property stock, and accordingly, due to the demand for property in Dubai, the levels of inward migration the emirate (as a whole) witnesses annually, ensures that this marketplace will continue to attract investors seeking immense profit potential.

One aspect, however, of major concern to the entire property sector in Dubai is affordability .

With the aid of better finance products for buyers and the fact that Dubai s government has increased rental rate caps for tenants, the question of affordability can at least be maintained and kept at reasonable standards and rates.

Looking to the longer term, Dubai is in a position to support a mature, well rounded property market which will be of longer term interest to investors rather than shorter term interest for speculators.

A recent survey by DSL Exhibitions suggested that Dubai s residents feel the city has been inundated with luxury properties and there is greater need for more moderately priced property. Is this likely to have an impact on developers, and if so, what effect will this have on property prices and investors profits?

This particular survey was poised to query a representative demographic conglomeration of Dubai s population; there were a high number of UAE nationals (20%) and Indian nationals (60%) questioned in this survey, but neither group is currently being specifically targeted by the majority of developers in Dubai.

Although Dubai requires many more affordable housing units, it is highly unlikely that developers are going to target the more affordable end of the market, simply because there is no need for developers to do so. While there are still buyers snatching up the developments, it is obvious that developers have no need to accommodate other areas of the property market, also, why would they settle for less profit when far greater profits are guaranteed to developers through the construction and sale of luxury developments.

The Dubai government will need to enforce the construction and implementation of affordable housing. Should the government get involved in this, they will have limited direct impact on the luxury end of the market, as each end of the spectrum is of attraction to a different buyer types, investors and even developers.

Dubai s political authority has a rather strong agenda. The government is on a mission to create a sustainable, affluent and attractive multi-dimensional destination and if any situation arises to undermine the long term ambitions it holds for the emirate then it may well intervene.

The fact that the government in Dubai has long term plans for Dubai and its surrounds; surely indicates the incredibly ambitious nature of the current Dubai government.

The recent governmental intervention by capping the rental return rates, to ensure the prevention of rental rates spiralling out of control, was a decision which was long considered by the Dubai political authorities.

By increasing the rental rates caps, the government has ensured they protect its residents and citizens, as well as protecting the Dubai economy whilst pulling the rein in on inflation.

Investors should make a consorted effort to understand the government s objectives, principles and vision, and should definitely not fear the government in Dubai, and its agendas.

According to most property experts, Anyone now looking to enter the property marketplace in Dubai would be best advised to consider committing to the long term for attractive rental yields and steady property price appreciation. Those who wish to realise immediate income should purchase well located resale or completed apartment stock in the vicinity of the central business locations or townhouses and villas in attractive residential communities and/or within easy distance of international schools.

All in all, one can safely assume that Dubai is most definitely an economy and property sector worth investing in, in the long term and short term.

About the Author:

Property Select

offers a comprehensive selection of overseas Property in Dubai, news, members club and reviews of the latest property developments.

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byAlma Abell

Windows perform a wide variety of functions at a property, ranging from keeping the elements out to your offering a level of security at your property. Having faulty windows is something that can drastically reduce the level of insulation at your property, and it is also something that makes your property far more susceptible to break-ins and security threats. If there are small gaps in your windows, the outside air is able to enter into your property and all of the heat contained within your interior is also allowed to escape. While you may believe this is something that may only reduce your comfort, it is something that can also cost you an excessive amount of money on energy bills over the course of the year. However, perhaps more important to your well-being is the fact that faulty windows can make your property far more insecure, so it is vitally important that you keep your windows in optimum condition throughout the year. Below are some further details on the importance of ensuring your windows are in good working order and how you can go about achieving this.

Be sure to regularly inspect them

Any problems that develop with your windows can often escape notice if you do not take a good look at them regularly. This is especially important if your windows are comprised of lesser quality glass in Farnborough, as poor quality windows are far more susceptible to developing problems. It is highly recommended that you inspect your windows on at least a monthly basis to ensure that they are keeping your property insulated and secure.

Be sure your windows are of an excellent quality

If you are about to have new windows installed at your property, it is highly recommended that you find a company offering superior quality glass in Farnborough. If you choose to save money and choose lower quality glass, you are placing your property at risk. In addition to this, lower quality glass is something that soon needs replacing as it does not have much longevity, so you will soon find yourself paying for more glazing services. Finding a reliable company that provides excellent quality glass allows you to enjoy the work they have performed for many years.

Having high-quality windows offers many benefits, Allways Glazing Works are a professional glazing company that use the best quality glass in Farnborough.