Monthly Archives: November 2017

Buy Investment Property Without Seeing It

Why would you buy investment property without seeing it? It’s a numbers game. Whether or not you see the property before you make an offer isn’t nearly as important as making sure the numbers make sense.

A man in California used to just send out offers on a hundred MLS listings at a time, offering 25% less than the asking price on each one. Occasionally a few sellers would accept his offers. He never had to look at the homes beforehand. Including an “inspection and approval” clause in the offer meant he could always back out of the deal later when he saw the house. Meanwhile, he efficiently found the truly motivated sellers.

This true story demonstrates that with a good clause or two in the contract, you don’t have to worry about making an offer before you see a property. It’s true when you buy investment property or your next home. When it isn’t everything the seller says it is, you can reject the deal with little or no loss. So why wouldn’t you want to look at the property?

Buy Investment Property By Numbers

The main reason you might skip looking at a property before making an offer is time. This is certainly true if the property is far away. If you don’t get a price that makes sense, why spend your time traveling to look at real estate investments? A price and terms that make sense – this is what is important. Of course you’ll probably want to look at the actual property eventually, but looking at the numbers is how you invest.

Investors value income property according to current cash flow (or should if they want safe and viable investments), so start by verifying income. Get the actual income figures for the past 12 months. Always consider the potential income if rents are raised, vending machines are added, etc., but base your offer on the current income.

Verify all expenses with investment properties. If any expenses listed by the seller seem unusually low, they most likely are. Just substitute your own best guess in place of any suspicious numbers.

After you determine the net operating income, apply the appropriate capitalization rate to arrive at the value. If you’re not sure how to do this, get help. However, you really should understand the principle of how to figure a cap rate. This is a numbers game you’re playing.
Calculate loan payments (talk to your banker), and see how much cash flow you’ll have. Then you can figure your cash-on-cash return based on how much of your own money you put into the deal. Just divide the cash flow by your investment.

When the numbers work, you can safely make an offer. Inspections will tell you if there are problems that will affect the cash flow. You can always renegotiate if there are such problems (assuming you made your approval of all inspections a contingency of the offer). Of course, you can even go take a look now that you are truly ready to buy that investment property.

Aerobic Exercise for Weight Loss Can Be Fun

The word aerobic literally means “with oxygen” or “in the presence of oxygen.” Aerobic exercise is any activity that uses large muscle groups, can be maintained continuously for a long period of time and is rhythmic in nature. Aerobic exercises utilize oxygen as the major fuel for sustaining activity for relatively long periods.

In general, aerobic exercises are those activities that require large muscle work, elevate the heart rate to between 60 percent and 80 percent of maximal heart rate, are continuous in nature and are of 15 to 60 minutes in duration. An aerobically fit individual can work longer, more vigorously and achieve a quicker recovery at the end of the aerobic session.

Aerobic exercises fall in two categories:

Low to Moderate Impact aerobics – These include walking, swimming, stair climbing, step classes, light water aerobics, rowing and cross-country skiing. Nearly anyone in reasonable health can engage in some low- to moderate-impact exercise. Brisk walking burns more calories than jogging for the same distance because it takes more time to walk than jog that distance and poses less risk for injury to muscle and bone.

High-Impact aerobics – Activities that belong to this group include running, dance exercise, tennis, racquetball and squash. High-impact aerobics should be performed on alternate days. People who are overweight, elderly, out of condition or have an injury or other medical problem should do them even less frequently and only with clearance from their doctor.

Here are some of the many aerobic exercises you can do and because of the variety you have to choose from, it can not only take the bordum out of doing it, it can make doing it downright fun as well.

1. Walking
Walking is a popular form of exercise because it requires little in terms of equipment or facilities. Walking an extra 20 minutes each day will burn off 7 pounds of body fat per year. Longer, moderately-paced daily walks are best for losing weight.

2. Jogging/Running
In jogging or running, an individual is able to cover greater distances in a shorter period of time. Therefore, greater numbers of calories can be burned per time spent.

3. Choreographed Aerobic Exercise
Choreographed aerobic dance is a very popular form of exercise throughout the world. Aerobic dance helps in toning up the muscles of the body and many people find it fun to do as well.

4. Step Aerobics
Step aerobics incorporates the use of a step or bench typically about one foot wide and three feet long and about six inches high. Instructors use many moves that require participants to step up and down from the platform. This way, the activity will not be boring and tiring, but will be lively and motivating.

5. Water Aerobics
Water aerobics incorporates a variety of movements from both swimming and land aerobics to develop vigorous routines that are aerobic in nature. It utilizes the resistance to movement that water creates to elevate heart rates and also helps you if balancing yourself on land is difficult. It is a good way to lose weight.

6. Swimming
Swimming is a very popular form of regular exercise. Due to the resistance of water, the amount of energy required to swim a certain distance is greater than that needed to run or walk the same distance. In other words, swimming can burn more calories than running per time spent.

7. Stationary Cycling/Bicycling
Stationary cycling or bicycling are excellent forms of aerobic exercise when done continuously. Like swimming, cycling is a non weight bearing activity that builds muscular endurance and strength and improved flexibility of selected muscles of the legs and thighs.

8. Jumping Rope
Jumping rope can be a great aerobic workout as long as it is performed at a slow to moderate pace and is done continuously for a relatively long period of time (15 minutes or more).

The key to effective weight loss is through use of a healthy exercise program which is performed on a regular basis while following a healthy dieting & nutritional plan. Aerobic exercise is good for weight loss because it uses more calories than other activities and helps raise your metabolic rate.

This helps your body burn calories at a faster rate. It is an effective way to lose fat only if you are motivated enough to do it frequently. Aerobics only burns fat during the workout itself. So if you want encouraging results you need to be able to exercise daily and for longer periods.

Buy Easily High Value Property At Commercial Real Estate Loan

Acquiring a real estate through one’s own resources is not possible for every aspirant as it requires huge funds. In modern business world, however, buying real estate has become a regular feature since it is viewed as highly profitable investment. Commercial real estate loan has been tailored for the purpose of easy and smooth buying of desired commercial real estate either for business or investment. The borrowers can utilize commercial real estate loan in buying shops, hospitals, pubs, restaurants, guest houses, industrial units or any property that has commercial angel.

There are some requirements from the lenders that have to be fulfilled for availing commercial real estate loan. The borrower is supposed to place the title deed of the real east in consideration as collateral with the loan provider. Thus the loan is fully secured. The title deed will be returned to the borrower once the loan is paid back with interest. The borrowers are also required to put some down payment. Often the down payment is up to 20 percent of the real estate value. Rest of the amount is divided into equal monthly installments. So, higher the down payment, lower the installment amount will be.

A huge amount is at stake in real estate purchasing. Lenders can even fund £1000000 under commercial real estate loan for purchasing a commercial property. The lending amount depends on repayment capacity, financial standing and credit history of the loan seeker. Commercial real estate loan comes with an Annual Percentage Rate ranging from 6 to 20 percent. The borrowers have the option of availing the loan at either fixed or variable rate of interest. The fixed rate remains constant throughout the loan repayment duration and the borrower knows how much is to be paid towards the loan. Variable interest rate will be charged as per the current market rate of interest which may increase as well.

To repay the loan, borrowers have the choice of 10 to 30 years of repayment term to choose from. Remember that lower repayment term results in higher monthly installment amount. The loan amount and repayment term should be decided carefully keeping one’s repaying capacity in mind. Otherwise, the borrower may lose the commercial real estate to the lender who may go for its repossession.

While applying for commercial real estate loan, instead of regular lenders, opt for online lenders. No documentation and fee is demanded from the lenders when applying online. Another advantage is that you get number of loan offers in response to the application and can pick up suitable loan package having easier conditions. Before concluding the loan deal, consult a real estate attorney to avoid any pitfalls.

Commercial Real Estate Loan should be taken in such a way that it makes you financially stronger. Pay off the loan at due date so that you remain in the good books of the lenders.

Deciding on a Price for Your Home

When it comes time to put your house on the market, pricing can make or break your sale. If you overprice your home, you risk watching it languish on the market, but under-pricing it means minimizing your investment. The starting point for pricing should be based on recent sales in the neighborhood, not on personal attachment. Regardless of what you think your home is worth, the pricing should be based on market value – this is why it’s important to find a good real estate agent who is familiar with the area. He or she will start by looking at what other comparable houses in your area have sold for. This is called a comparative market analysis (CMA).

Another important consideration is the market. To be safe you want to allow yourself enough wiggle room to come down in negotiations, but if it’s a buyers’ market you will have to do more to make your home stand out. Pricing your home below the competition should ensure multiple offers, thus driving up the selling price. Other tactics include being flexible around financing options and offering incentives. In any case, you want to price your home low enough that you will get traffic through – the first three weeks are important. If the house sits longer than three weeks perspective buyers may assume something’s wrong with it.

In a seller’s market it’s safe to add 10 per cent to the last comparable sale in your neighborhood and in a balanced market you may aim to add an amount based on the last comparable sale plus the average market increase calculated over the time since that sale.

Remember, pricing your house is as much an art as it is a science. In the end the price is important, but marketing and staging your home plays a vital role as well. A good realtor can guide you through this process and help you get the best price for your house.

Buying An All In One System

These days, more and more people are turning away from memberships to gyms and instead choosing to invest money in a home gym. You can put a home gym in a spare corner of your home, or even in the basement if you wish. Along with helping you save money by combining several different types of equipment into one machine, these types of equipment can easily fit in small spaces and type up a lot less weight than their individual counterparts.

When you are considering to buy an all in one piece of exercise equipment, you should first think about your goals. You should consider what you hope to achieve from exercising and just how well this piece of equipment will benefit you.

There are several types of all in one equipment for exercise on the market and almost all of them are advertised well on television, in magazines, and on the internet. The most popular types on the market are those types that are geared towards individuals who are interested in lifting weights.

Right now, the two most popular types of all in one exercise systems are the Bowflex and Total Gym brands. The Bowflex system uses resistant bows that bend instead of the traditional weights that simply lift. Bowflex is designed to fit a wide variety of budgets and needs, it’s widely adaptable and extremely popular as well.

To make things even better, you can store the basic Bowflex system in small and tight places, even under a bed if you choose. The larger and more expensive Blowflex system competes with the types of professional equipment that you can find in gyms, which allow you a quality workout on quality equipment.

The Total Gym system is great as well, as it is advertised by martial arts legend Chuck Norris and supermodel Christie Brinkley. It is less expensive than the Bowflex and uses gravity and resistance instead of traditional weights. By using this system, you have the ability to adapt the machine to a wide variety of exercises that will work many different areas of your body.

When you make that decision about buying an all in one exercise system, you must also decide on price, features, brand, and just who will use the machine. If your family plans to use it as well, then you’ll need to get a system that everyone will agree on. You obviously wouldn’t want a machine that is too complicated for others in your home.

Even though Bowflex and Total Gym are the 2 most popular types of all in one equipment, there are several others out there as will, from brands such as Weider and many others. Before you make your choice, you should look at several to see which one offers you more for your money.

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