The following articles were authored by UnitedCash

What To Consider When Hiring A Green Architect

By on August 5, 2018

Brian Setencich

Nothing is more exciting than building your own home. You’ve got to have the right architect during the initial phase. They have to envision your ideas and vividly map out your intention. The architect is first in line towards assisting you in making the best decisions regarding your ideal home.

You’ve already made the decision that you want to create a sustainable home, that’s energy efficient. So how do you know if an architect is compatible with your visions or not? The architect’s job is to determine the design and functionality of your home, as well as help you with the financial costs involved in construction, plus the actual construction itself.

The Architect’s Purpose

What defines an architect’s purpose? Is it just the stylistic appearance of the home, or are performance and durability a factor in the equation? An architect has to consider aspects that are more than just aesthetics. Some people seem to think that it’s the main factor regarding the home. There’s so much more that goes into consideration during a home buying experience.

As an architect, you have to think about the functionality and efficiency of the home, before its beauty. If these factors are not integrated into the designing, it becomes an afterthought and takes away from the overall integrity of the home.

One of the things that great architects like Brian Setencich have to do is educating the home buyer on the benefits of investing in the energy efficiency aspects of a home. Building science is an integral part in maintaining long-term durability of a home. It’s a component of architecture, just like the interior and structural designs are as well. All of these factors fit into the overall architecture of the home.

Investing For A Bigger Purpose

There seems to be a stigma regarding making the house more green; it will increase the initial costs. Sometimes, that is a fact. Although it might cost a little bit more initially to create the level of preferred performance, the benefit of taking this step is that it will cost less to operate the home. There are lots of simple techniques in framing and insulation, that can be detailed into a set of construction drawings, which doesn’t necessarily cost more, it’s just a change in technique. The fact that the homeowner is exchanging upfront costs for lifetime savings means you can get more home for your money. Your money will be going towards the mortgage which is most people’s biggest investment.

Start With Green To Save Some Green

Being one of the biggest investments people will make in their lifetime. Consumers owe it to themselves to research that process thoroughly. Investing in a green inspired architect can be beneficial in many ways. From saving on energy expenses to reducing our carbon footprints. The architect’s purpose, style, and integrity have a lot to do with happy homeowners. And yes, aesthetics are still an important factor, but so is durability, performance, and efficiency. Designing and building a holistic home is another easy way to be green, and it’s a whole lot easier when you work with an architect like Brian Setencich.

We all have to work together toward a greener future for humanity’s sake. Brian Setencich is on a mission to help you see green, so you can be green, and inevitably, save a little green.

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How To Tell If An AC Repair Company Is Honest

By on June 12, 2018

When your air conditioning is down, the heat it on, literally and figuratively! You want to be able to return your home to the comfortable temperatures you enjoy year round as fast as possible, but you also don’t want to pay for shoddy work or unnecessary repairs. So, the question is; how do you tell if an air conditioning repair company is honest?

You should check basic reviews and licenses for any company. Angie’s List, HomeAdvisor and Yelp are all basic places to check the review of a company. Any company’s website should display their license and certifications. If they are not displayed, move on to the next one. The Better Business Bureau is also a reputable organization that can tell you the reputation of a business at a glance. All Year Cooling Florida BBB rating of A+ is the kind of rating you’re looking for.

With a reputable HVAC company, you should also feel confident in their prices and their diagnosis. If the price is shockingly low or for a “limited time only” think seriously about getting a second opinion. Major repairs shouldn’t be taken on without at least sleeping on it, and don’t feel pressured to make a choice as soon as possible. A trustworthy repair company with be happy to let you take your time and get a second opinion from All Year Cooling Tommy Smith if necessary.

Of course, the best way to be sure that you can trust your HVAC contractor is to build a relationship with them. The ideal way to go about this is through regular maintenance of your HVAC system with your preferred contractor. With a company like All Year Cooling duct cleaning, fluid checks and other regular maintenance can ensure that major problems are caught ahead of time, as well as helping to build a trusting relationship with a service provider.

Beware of HVAC repair scams and make sure that any contractor has good ratings and a good reputation before calling them, and look out for the warning signs of a fraudulent contractor. Reputable companies like All Year Cooling Florida would never sell you a used part, an oversized HVAC unit, or try to schedule routine maintenance services more than once or twice a year.

A diligent and professional repair company should listen to your concerns, be straight with you about the pricing, try to diagnose the problem, and give you as much information as you ask for. If they are unwilling or unable to answer a question for you, they are not the right company for your needs. Part of their job is to help you understand what needs fixing and what could be done to prevent the problem in the future.

As with any business transaction, use your common sense too. This is especially important as an HVAC system can have a huge impact on your quality of life and the quality of your home. If the company is unprofessional when you call, keep going down the list. If they suggest that they know the problem over the phone, keeping on moving down the list! A repairman who comes out and doesn’t seem to have any details that you haven’t already provided, is rude, disrespectful, or doesn’t examine your equipment is a red flag and means you should move on and call another company.

In closing, we hope that you will consider vetting All Year Cooling Florida for your HVAC repair and maintenance needs. We offer A+ BBB ratings, financing, and professional, knowledgeable repairmen. Enjoy your summer, and your home by keeping your HVAC in good, working order!

 

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Reasons Why Commercial Real Estate Brokers are Loving Phoenix Arizona

By on May 10, 2018

Luis Enrique Coll
Since the recession 2008, the real estate market in Phoenix has made tremendous recovery, thanks to a healthy growing economy, increased purchasing power among the populace and self-confidence. For years, the market has consistently ranked among the top 10 in job growths. The number of professionals working in the real estate sector has also been growing due to the increased opportunities. According to AZ Big Media, Arizona had slightly over 45,000 sales agents and 12,000 brokers as of January 2018. Statistics also indicate that as many as 57,000 active licensees operated in the state during the same period. An assessment of the Metro Phoenix Area indicates that limited inventory is the key driver of property sales. With the hottest markets being North Scottsdale, Paradise Valley, North Glendale, Central Scottsdale and Sky Harbor South.

Although the real estate prices have been rising steadily, they remain largely affordable compared to the others in western US metropolitan areas. The Metro Phoenix median home prices stood at $247,000 in 2017. During the recession, Metro Phoenix experienced some of the highest rates of repossessions. Today, the number has dropped to near normal levels. The rates of foreclosures in 2016 and 2017 fell by 22% and 28% respectively. The other interesting development concerns the entry of Millenials and the return of renters into the city’s real estate arena. The surge in Millenials is attributed to recent changes in the conventional loan limits, which was raised by 7% from $424,100 to $453,100. The adjustment has made it easier for new home buyers to go for pricey properties. Analysts expect the growth curve for residential and commercial real estate in Phoenix to continue growing into 2019 as builders buy more lots and expand inner-city infill projects.

Why the commercial real estate brokers love Phoenix Arizona 
The stable Phoenix Arizona, commercial real estate market is witnessing many new constructions driven by macro demand factors like positive job outlook and population growth. The brokers working in the city have also been expanding their operations. The ranking of brokers is largely based on the number of agents working under the broker’s auspices. According to the Real Estate Show, brokers and buyers are drawn to the commercial real estate market in Phoenix due to the following prospects:

1. Capital of Arizona – as the state capital of Arizona, Phoenix enjoys a head start when it comes to resources and opportunities. With these benefits, many people, including professionals, home buyers and brokers have been relocating here in large numbers thus boosting the local real estate market.

2. Affordable real estate – the real estate market in Arizona is generally more affordable, and this is drawing many real estate brokers and buyers into the city and state in general. The elegant homes and commercial properties in Phoenix also feature bigger lots and ample parking space, which makes them highly ideal for growing families.

3. Outdoor paradise – the great year round weather permeated by clear, sunny skies make Phoenix an ideal place for families and homeowners to live and enjoy outdoors activities. The beautiful scenery is further enhanced by presence of lush desert valleys, lakes and crimson mountains.

4. High quality of life – Phoenix residents enjoy high quality of life due to high levels of income and reduced expenses. Real estate investors and brokers are enjoying handsome rewards because the number of people with disposable incomes is growing. Unlike other big cities in the US, people living in the city also enjoy hassle free living.

5. Promising office, industrial and retail markets 
Commercial real estate ventures in Phoenix promise great returns to would be investors. According to AZ Big Media(2), the net absorption rate for offices surpassed 4.7 million in 2016 due to strong jobs growth. The sales and leasing activities for industrial properties has also been on an upwards curve. In 2016, the absorption rate hit 6.9 million square feet. The growth was attributed to positive signals in the housing market. Regarding the retail real estate market, the rent rates went up in 2016 while the net absorption rates fell. Real estate experts see this development as a sign of measured, but steady improvement.

About Luis Enrique Coll 
Luis Enrique Coll is a real estate magnate, whose company, the Alco International Group has interest in the US, Venezuela and Panama. One of the latest developments to be undertaken by the company is the mixed use Adagio Fort Lauderdale in Florida. Every project that comes into stream is developed in line with the company’s mission of creating life changing spaces that generate value and enthusiasm. Besides the functional architecture, Alco International Groups has greatly transformed the communities it is operating by creating jobs. Under Luis Enrique Coll watch, the company is committed to bringing more commercial and residential properties to fill the demand gap.

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How SingleCare Can Save You Money on Vision and Dental Exams

By on April 7, 2018

Singlecare
Most people would far too often care about their weight, but would not even try to have the minimum upkeep of their oral and vision health. In fact, a lot of Americans have, at one point suffered from a tooth cavity that went awry, and most of us need to wear prescription glasses by the time we hit the mid-life ages.

The most common factors why people do not often stay on top of their oral and health maintenance are the following:

  • The procrastination syndrome – Thoughts such as “I’ll deal with it when it gets worse” or “It’s not yet as bad as it should be”. These mindsets prevent people from doing preventative maintenance.
  • The fear of expensive medical care – with health care costs soaring exponentially every year, it may be hard for some people to keep up. Some Americans who live just above the poverty line would sacrifice preventative checkups to cover other daily expenses.
  • The lack of awareness – as educated as a population that we are, some of us just don’t see the value of having a regular checkup for our needs. We would rather suffer the terrible consequences and find an expensive way to cure our problem, rather than take small steps to avoid large health potholes.

Thankfully, there are companies like SingleCare that can help citizens like you and me save on vision and dental exams. In this article, we will look into what SingleCare does, how it can save us money, and how to be a member of their website.

What is SingleCare?

SingleCare is a health discounts company that was built to help the average American find discounted coupons on dental and vision health services. Additionally, they also provide discounts for medical prescriptions, in case you need one that is given by your doctor.

SingleCare aims to provide the most convenient and affordable healthcare option available nationwide. They have pooled hundreds of thousands of dental clinics, vision centers, and pharmacies in an online database which offers discounted prices for their products and services.

How Does SingleCare Work?

As previously mentioned, SingleCare works by getting the information for the customer. For example, a customer may be looking into a lower Linzess cost, and he can place the name of the drug on the search bar, along with his location.

SingleCare automatically searches of the nearest pharmacies in the database to offer the cheapest Linzess cost in the market. This saves the customer money, time, and effort to find the best prices themselves.

The same method is seen when it comes to dental and vision services. As a customer, you just need to pick the “Browse” section and look for either “Dental” or “Vision”. The search bar will display a drop-down menu of the most common dental and vision services. These include cavity fillings, cleaning, and dental checkup for dental services, and eye exam, prescription glasses or contact lens prescription for the vision centers.

Customers can easily place their state, and SingleCare will automatically list the results which show the amount of money that will be saved, the location of the clinic, and an easy-access button to book an appointment.

Not only is this process convenient, but it also saves money especially if these services are out of a person’s health insurance.

Does SingleCare Really Help Save Money?

The short answer is yes! SingleCare helps save money because they connect healthcare businesses that want to promote their offers. This means that these businesses are willing to work at discounted prices.

This is a plus for customers because they discover healthcare services in their area with the best prices too. Some consumers may not be aware, or would not have the opportunity to manually search for each clinic in their local area. By using the system of SingleCare, members can easily find what they need for a lower price.

How Do You Become a SingleCare Member?

Being a SingleCare member is easy. All you have to do is register through their website, done through e-mail or Facebook. With that, you are given a card that you can use to have discounts in pharmacies and medical services. Never in the history of technology has healthcare become more accessible and affordable through the SingleCare system.

As a bonus, SingleCare also offers an additional $5 off in your prescription at your first purchase. One of their taglines is, “The more you buy, the more you save.” This system is very helpful for families that rely on constant doctor consultations, dental and vision checkups, as well as regular medications.

All in all, SingleCare is a great addition to help you save in your family’s vision and dental exams. Whether you are single or have a family of your own, you can take advantage of medical service savings of up to 80% off.

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A Breakdown of the Upstart Cost of Becoming a Successful Real Estate Investor

By on January 22, 2018

Robert Tweed

Real estate can be a truly lucrative and beneficial investment. It has the ability to produce monthly cash flow while increasing in value. Your tenants can meanwhile fund your mortgage reduction efforts for further equity accumulation. These financial benefits are combined with the tax benefits and the ability to leverage your purchase with financing. The reality is that you will be hard-pressed to find another investment vehicle that is as beneficial as real estate is. However, while you can leverage most of your purchase with a mortgage, you will still need a substantial amount of capital to make the investment. These are the upstart costs associated with investing in real estate for the first time.

Educational Expenses

Real estate investing is not something that you want to venture into without some background knowledge. You must have a clear understanding of selecting the right property, setting up financing that generates positive cash flow, taxation implications, tenant and management issues and more. You can glean some information by reading several reputable real estates investing books. However, you may also benefit by taking formal classes on the top of real estate, finance and more. Robert Tweed offers scholarships for some finance-related courses. The cost of the books and classes should be taken into account as you begin examining the total upstart cost for your future investment activities. Remember that you also may need to factor in the time necessary to improve your knowledge base.

A Down Payment

After you have enhanced your education in the area of real estate investing, you can begin searching for an excellent property to purchase. Hiring a real estate agent is a smart idea, and thankfully, the services of a real estate agent are typically paid for by the seller rather than by the buyer. Real estate investment loan programs through Robert Tweed and other sources have varying down payment requirements. For example, if you are buying a single-family home as an investment, you may qualify for a loan of 75 to 80 percent loan-to-value in many cases. Some residential investor loans have an even higher loan-to-value. Investing in a commercial retail strip center, however, may require you to put as much as 25 to 30 percent down. The sales price and available financing for the property type that you are looking at will affect your down payment amount. Your financing options may also be limited by your credit score, net worth and various other factors.

Closing Costs

In addition to having enough capital available to pay the down payment on your real estate investment purchase, you also must pay the closing costs. A general rule is to estimate between three and four percent of the sales price as closing costs. The seller may concede to paying some of your closing costs, but you need to ensure that this is permissible by your lender. The closing costs include title insurance, legal fees, prepaid taxes and insurance, an appraisal, a property inspection and more. Remember that many lenders require you to have at least three to six months of mortgage payments available in liquid cash after the down payment and closing costs are taken into account. Therefore, this lender-required reserve should also be included in your financial calculations. Your loan request may not be approved if this financial requirement is not met and properly documented.

A Reserve Fund

While the lender typically requires you to document the availability of reserve funds after closing costs and the down payment are taken into account, it is important to consider how much money you prefer to have in a reserve fund. Remember that vacancies can result in lost revenue as well as in repair and upgrading costs. Vacant units typically mean that the property is operating at a loss until the unit is leased. You must have enough cash on hand to pay for the mortgage, repairs and operating expenses during vacancy periods. The property also may need more significant repairs over the years, such as an HVAC or roof replacement. In some cases, you may need to pay the insurance deductible when filing a claim. As you can see, it is necessary to have a healthy reserve fund if you want to keep your property well-maintained and to avoid financial stress in the process. Some investors find that their comfort level with regards to a reserve fund is substantially higher than the lender required reserve amount.

For many first-time real estate investors, it makes sense to learn as much as possible before buying your first property. However, there are many things that you will learn from personal experiences. The more expensive the property is, the greater the risk in some cases. Therefore, it may be wise to start with a smaller investment property. It may also be helpful to use the services of a real estate agent who is experienced helping investors locate quality properties.

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Should You Take Out a Loan to Get Your Land Development Company Off The Ground?

By on January 19, 2018

Marty Stallone

The real estate market is booming in many places across the country. As a result, there are numerous people who are interested in investing in real estate. When most people think of investing in this asset class, they envision purchasing a home and renting it to tenants. However, there are many ways to invest in real estate.

Land development is a great opportunity for people who have the capital to invest. Land development is a type of investment that usually takes several years to see a return. Some people are interested in starting a land development company.

How to Get Started in Land Development

Developing land is a long process. Marty Stallone is someone who has a lot of experience in this industry. He is the owner of Metropolitan Development Group. Over the years, he has worked on countless projects designed to help cities develop areas of land into commercial or residential areas.

One of the most important aspects of land development is simply having a vision for the future. There are cases where rural land has turned to a commercial paradise in under a decade. Marty Stallone likes to work with people who have both real estate and business experience. Owning a business teaches people many aspects of the business world.

In order to get started with a land development company, getting some sort of education in the industry is critical. There are few people who understand the process of developing areas of land. In addition, there are few college classes that people can take on the subject. Although a degree in real estate would help, working with a land developer is really the best experience anyone can get. Before starting a company, it is highly recommended to get experience in this field.

Financing

One of the biggest obstacles in starting a land development company is the financing required. Few people have the cash to buy and develop large areas of land. As a result, borrowing money is often required.

There are some people who think that borrowing money is bad in a business. However, Martin J Stallone has had a lot of great results from borrowing and investing money. He recommends that new business owners start off slowly at first. Borrowing too much money can restrict the cash flow of a business.

Working with a local bank is usually the best way to get a business loan for land development. Local lenders are generally more willing to lend money to people who are going to use the capital to invest in the local area.

Finding Property

When starting a land development company, finding customers is not an easy process. There are numerous people who do not even understand what land development is. In addition, few people want to give up land to see it developed for commercial or residential reasons.

There are several ways to find a property to purchase. Going to an estate sale is a great way to find distressed property. In many cases, relatives of someone who has died live in other parts of the country. Instead of managing the property, the family members would rather sell it to someone else. As a result, it is possible to purchase a property at a steep discount.

Martin J Stallone recommends purchasing a few properties in the beginning. This will give a business owner the opportunity to develop land on a small scale in the beginning. Some people are in such a rush to get started that they end up making major mistakes along the way. This is the wrong approach to take in running a land development company.

Paying Down the Debt

Once a business owner has a lot of customers, managing the debt payment is usually fairly easy. However, it is a good idea to pay down the loan over a long period of time. With less debt, a higher percentage of the income coming in can be used to invest in the business. There are some land development companies that have millions of dollars in debt. Although it is possible to run a business with a ton of debt, it is much less risky to pay down the debt and use the proceeds of the company to invest in new land ventures.

Although starting any business is hard, there are many opportunities for new land development companies with the growth of the real estate market. Now is a great time to get started in this area of the economy. People like Marty Stallone are a great resource to learn from.

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Why Taking Out a Loan to Start Your Dream Business Isn’t Such a Bad Idea

By on January 16, 2018

Chrissy Weems

Starting a business requires initial capital, perfect timing, a lot of research, and a very sizeable dose of luck. Failing to meet any of these conditions can be detrimental to the long-term success of the company. Generally, the hardest criterion is obtaining the necessary investment as most businesses require purchases of initial equipment, legal and start-up fees, employee costs, and other fixed expenses like prepaid rent and utilities. Thus, obtaining a loan could be one of the best options available to those who may lack the necessary lump sum of money. Further, there is an entire break-down of all the positive consequences of taking out a loan!

Builds Credit

Credit scores matter. Not just because successful entrepreneurs like Chrissy Weems know so, but because they quantify someone’s trustworthiness. Positive spending histories can help obtain business partners, get involved with larger projects, and take out heftier loans in the future. Thus, when a business is first starting, the owner might get a chance to (re)build their credit through financing which lays the foundation for any future growth.

Great Offers

As financing companies and large banks compete with one another, the party that gains the most are consumers. By driving down each other’s interest rates, these lenders make it possible for prospective businessmen to take out a loan and actually make money on it! How? Time value of money. The rule of thumb states that money someone has right now is worth more than the money they will hold in the future. This is why banks expect more to be repaid through loan interest. However, with low yield, businesses can take out a loan and pay it back fast enough to actually benefit from the time value of money concept.

Motivates

In case someone’s business is just starting up, banks will, by default, not have a lot of trusts. To compensate for that lack of faith, they will require the borrowers to classify certain assets as collateral. For example, failing to make a payment means that someone loses their company’s truck. Although it sounds intimidating, it can be a motivational factor. After all, not a lot of things will push someone to meet their sales expectations as the fear of losing assets or having to pay high late penalties.

Opens Many Doors in the Future

The first point mentioned that building a respectable credit can be useful in the future. One of the ways is that a good relationship with a major lending company can be fruitful infinitely. If someone takes out a loan that gets repaid in time, they will be a welcomed customer in case they need any more loans later. Since growth often requires expansions like purchases of additional equipment, openings of new locations, and so on, being able to get additional loans could be important.

Emergency Funds

If the initial cost of business is $100,000, hypothetically, the entrepreneur should have at least 1.5 times that amount. This is because of all the unforeseen consequences that can occur. Unless someone’s experience matches that of Chrissy Weems, they may not be aware of countless issues that often come up with manufacturers, business partners, tax implications, shipment dates, legal perspectives, and more. All of those can facilitate a lack of revenue and one will have to fall back on their original capital that might already be spent. This is why it is important to have a cash-based emergency fund that contains liquid assets. So, a portion of the original capital should be left aside and a loan should be taken for any differences. Postponing the loan process is not beneficial as it will also delay the delivery of the capital that may be needed fast.

Not Too Many Other Options

Unless someone intends to do an initial public offering and sell stocks in their corporation, raising money can be a nightmare. Small business owners could, theoretically, look to their friends and family to help with the cost, but this will not happen if they do not share the vision. Also, letting outsiders aid with expenses may be leveraged with a high-position within the company. This often results in a long-term loss of authority that no business owner wants to go through. Hence why a lot of corporations always leave the owners with 51 percent of outstanding shares. Therefore, getting a loan could be the only way to sidestep this money-borrowing stage.

Skepticism related to financing is often justified due to factors like high APR, long repayment period, and unreasonable collateral. At least that is what applies to personal loans. With larger, business-starting loans, however, all of those factors should be outweighed by the potential of making money. If one is profitable, they will cover all of their liabilities without paying much thought to it!

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The 3 Most Important Money Lessons To Teach Your Kids

By on September 8, 2017

Nationwide Debt Direct

I will always remember a specific moment from my childhood. My uncle was driving me to his and my aunt’s house, and as we got back into the car after stopping for lunch we saw someone in the restaurant parking lot light up a cigarette. My uncle paused before starting the car, and took a moment to look at me. “Smoking is a very bad habit for you. It’s not good for your health. You know that, right?” he said. The way he conveyed this message was so intentional that I felt honored that he had taken the time to speak it to me. Children learn by example, but we can not dismiss the importance of the lessons that we speak aloud. Taking the time out of your busy schedule, even if just for a moment, can mean so much to a child. When it comes to finances, you can change a child’s life by taking the time to teach them these three important money lessons.

1. Money Is A Tool

Money is a resource that can help us do the things we want to do. Tools are neutral; they are neither good, nor bad. A hammer can be used to build a house, or to tear down a house. In the same way, money can be a tool used to build a life of love and laugher, or it can be used to produce stress and discomfort. Training a child to see money in a neutral light can help him or her move forward with a postitive relationship to finances.

2. Compounding Interest Adds Up Quickly

Once a child is old enough to appreciate the value of a dollar, it is important to show them examples of compounding interest. If a child grows up thinking that money always multiplies in a linear fashion, they will never understand that exponential growth is possible. A great way to teach this lesson to your child is to help them invest a small amount of money. They will see it grow as the interest in turn collects more interest. Also, be sure to run through some investment simulations that show the impact of compounding interest over a span of several decades. This will help your child start to invest at a young age, which can have a significant impact on retirement funds.

3. Money Is Like Manure: It Helps Things Grow

When a child understands that money is a tool, they can also understand the importance of giving. Teach your child that money is not to be hoarded and stressed over, but rather shared with others in need. A concept such as tithing can be a great example of this. Helping your child donate some of their earnings at a young age can introduce them to the powerful and joyful feeling of giving the gift of money.

Your child is learning from you by watching the way you spend and interact with your money. Your facial expressions, off-the-cuff comments, and tone of voice regarding money will make a big impact on them. Make an even stronger impression by taking time out to speak your message to your child. This will most definitely be noted in their minds as a significant and memorable event, as it was for me.

If you want to share these positive messages with your child, but feel like your own finances are not in the shape that you would like for them to be before teaching someone else, you can start to improve your own situation. Reach out to experts such as those at Nationwide Debt Reduction Services, and pick up books that will help you understand your finances. A great resource for learning about compounding interest is Tony Robbin’s book, “Money: Master the Game.” Helping yourself grow and learn will in turn help your child, as you become better able to transfer valuable money lessons.

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Best Way To Predict Cycles In Real Estate To Invest Wisely

By on July 17, 2017

Investing in the real estate industry is a decision that comes with a lot of potential for benefits as well as the likelihood for losses if you toss the coin recklessly. In many cases, people emerge with success but the few that fail are the ones you need to focus on so you will not make the same mistakes. Predicting cycles in the real estate industry is one of the easiest ways you could obtain useful information that will help you invest based on facts and with the assurance that you will get your returns within the right duration.

What are cycles in real estate?

Before working on the specifics, it’s vital to understand what cycles in real estate are. Basically, real estate cycles are phrases that signify changes in the market. The market generally rotates through four cycles and this is repeated through a predictable pattern. The cycles, in this case, include recovery, expansion, hyper supply and recession. To help you understand each better, here is an overview of the different real estate cycles and what they mean to you as an investor.

  1. Recovery

Let’s pick an arbitrary starting point and assume that the market just recovered from a downward trend. The phase into which the market moves from a downturn to regain stability is what is referred to as recovery in real estate. This simply means the market is not in a ‘free fall’ any longer and has begun taking an upward trend. If you would like to make profits shortly after, this is an opportune moment to buy real estate.

Some of the indicators of this phase include widespread yet stabilized unemployment, many foreclosures and general fear in the population. At this phase, many people will be swearing that they would never waste their money in real estate, but you should not go with their ideas because they are informed by the frustrations that come with the downward trend of the market.

  1. Expansion

The second phase is an expansion, and in this one confidence in the real estate market starts to return. It basically represents calm and the beginning of prosperity in the market. Profit margins look good and the environment is favorable with prices rising due to a decrease in supply and increase in demand. It is a phase where more people can now afford buying their homes as opposed to renting.

  1. Hyper supply

Going by the perception that the market has recovered and the returns are attractive as seen in point number two, more people invest their money into new projects and this leads to an oversupply while the demand remains unchanged. Mass building projects also mean a skyrocketing of prices because investors are too ambitious and their perception is that the market is open and fully recovered to accommodate their new projects. However, this is what leads to the last phase of the cycle explained below.

  1. Recession

As supply rises beyond the level of demand in the market, the market collapses and projects that seemed promising few years ago cannot sell, a case that drives prices down quickly. Foreclosures follow and more owners realize they cannot pay huge mortgages they took because rent prices are forced down, and vacancy becomes commonplace. This is the scenario that was seen in 2007 and 2008. If you have any idea to invest in real estate, consult with several experts including a Tampa auto accident lawyer who is also experienced in matters real estate to help you make a smart decision based on the phases explained here.

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BoldLeads on Real Estate Investing and Generating Additional Income for Retirement

By on May 31, 2016

Two business men shaking hands

There has been a lot of talk recently about how many investors are eschewing some of the more traditional investment strategies in favor of a focus on private equity. While the traditional approach to long-term investing once followed the 60/40 model in which equity made up the larger portion while bonds and cash made up the lesser portion, there seems to be a shift in which investors are placing 80 percent or more in equities due to the current low-interest market environment.

BoldLeads has always been a company focused on efficiency, and there are many investors who believe that the 80 percent model is not necessarily ideal for all investors. There is a fairly large segment of the population that can still benefit from an investment focus that includes real estate, particularly for those who are looking to create additional sources of income as their retirement years approach.

As a means to achieve diversification in an investment portfolio, a real estate property investment is an excellent choice due to the fact that there is not much correlation between the viability and value of real estate and the fluctuations bound to occur in the stock market. As agents working with clients secured through BoldLeads often point out, investing in real estate as a potential source of retirement income requires much more effort than some of the more traditional types of investment. It is therefore up to each individual homebuyer to ensure they understand their responsibilities if they intend to make an investment in a rental property.

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