Sunday, December 7, 2008

Profit of Investing in Real Estate

The stock markets have crashed and recovered and then crashed again. Similarly for commodities like silver and gold. The overall trend for silver and gold is positive though . Also stock market indices too over the years look positive. But that's an index, only if you buy the right stocks do you get the benefit. Essentially the risks, with an investment like stocks, are huge. Moreover less risky instruments like Mutual Funds have huge entry and exit fees.

Real Estate is the one investment from which you can get a steady income, and at the same time enjoy a steady appreciation. This specially holds good if you buy apartments close to IT parks, railways/metro stations in any big city, close to any place of commercial or industrial activity. A rental income is an assured monthly income with little hassles, all things going right.

It's also a usable investment. You can feel it, touch it, live in it, rent it out.

Currently real estate prices are increasing literally on a daily basis. This is definitely not a trend that is sustainable. If you plan to realistically invest in the real estate market, please ensure that you have a timeframe of a few years. The current real estate increases are hugely attributed to the buying power of IT professionals and their willingness to pay a premium for any piece of property. Places like Kerala too have show steep escalations and the main reason is the money flowing in from the Middle East. Even though Keralites believe that the land prices there are now higher than what they should be, on comparing to cities like Bangalore, Kerala is still very under priced. Similarly for Pune. Land prices in Pune are seriously undervalued compared to Bangalore. In 2005 you could purchase land in Kondhva for around 300 Rs per sq feet and land in Bhugaon close to the IT Park for 400 Rs per sq feet. The prices have increased a 100% within a year. It's still cheap compared to Bangalore !!

High incomes of IT employees, a bull run on the stock market and foreign repatriations have made the Indian real estate market a little volatile at this point. But a country with a billion people and still growing will always have a housing issue, and any investment in the housing market can never go wrong. Real estate; whether land or houses will always sell at a premium.

For most people who live in 3 storeyed apartments that are over 20 years old, builders have offered schemes where current apartment owners sell the land and building to the builder, in return for a bigger apartment. The builder constructs a high rise there and recovers his cost from the fact that in a building where there were 12 apartments, there are now 60. This is a win-win situation. Builders get prime land in the city and the apartment owners get an upgraded apartment that has a lot more market value.

Rents too have been on the increase. Apartments close to work places or transportation hubs rent well. Since most tenants are professionals, owners need not worry about tenants staying for long periods and then refusing to vacate.

Interest rates in India are much much higher than in the US. There it's about 6%, we're close to 9%. Realistically you can expect property to appreciate between 10-15% every year. Holds true more for land. For housing the property price increase usually depends on increase in costs of raw material like steel and cement.

Do not always look at real estate just as an investment. A house is always a great place to live in. For first timers, do not look at real estate as an investment, but a home to go to.

David Thomoson, an associated editor to pune360.com , is a contributing author to the http://www.pune360.com for distinct article sites/journals. Please feel free to visit http://www.pune360.com for more information on Real Estate, property and classified issues Or write to him AT pune360@hotmail.com. Any comments and /or suggestions will be highly appreciated.

Saturday, December 6, 2008

Effective Business Card Design For Realtors

A good real estate business card is invaluable to you as your first line of marketing for both your real estate company and for yourself. You need to make a huge first impression, because there are thousands of realtors out there, all willing to push you out of the way to get to your client. Commission on selling a house can be large if you find the right house buyer, and you want to make sure that it is you who is going to get that commission.

A real estate business card should start by showing your company name. Brand name recognition is very important in this field, and although they may be using you as their realtor, they also need to trust the company in which you work for. Many companies require that you put their background on the card, but if they don?t, then you have countless other backgrounds you can choose from. Business card templates can include a cityscape of either the city that you sell real estate in, or you could use a stock photo of a major city in the United States. Some realtors prefer to use landscapes showing a more residential suburb if that is what your specialty is. The choice is yours, but you need to take your time in finding the best business card template possible for the ultimate in professional business cards.

A real estate logo can be added to your professional business card with ease. It can include the words Equal Housing Opportunity, MLS, E-Pro, or a trademark realtor sign. The logo should include what kind of housing you sell, or what kind of realtor you are. Business cards have plenty of room for a logo either under your name or under the company name, and you should utilize this space. You can also use the logo of your company if they have a very popular logo to go with their company name. Anything to make your real estate business card stand out to your clients.

Since business cards are the only way homebuyers have to remember you, you should consider placing a photo of yourself on the card. Adding your face, or even your family to the background of the card can make a huge difference in adding to your value as a realtor. Your face can also be superimposed on the landscape background to show you and your area of expertise. Professional business cards in the real estate field often show a picture of someone standing in front of a very large house, but you may want to be unique and show yourself in front of an ocean if you work on the coast, or a mall if you work with commercial real estate. It is important to be different, and to wow your client before you even show them a house.

For printing a quality real estate business card, you need to have them professional printed with a glossy stock of paper, preferably with an UV coating. Make sure your picture is clear and not blurry. The address and phone number should be current, as well as the agency name and number. You have one chance to make a good first impression, make sure you do it right.

Natalie Aranda writes on business and marketing. Good business cards are invaluable to you as your first line of marketing for both your real estate company and for yourself. You need to make a huge first impression, because there are thousands of realtors out there, all willing to push you out of the way to get to your client. Commission on selling a house can be large if you find the right house buyer, and you want to make sure that it is you who is going to get that commission. Since business cards are the only way homebuyers have to remember you, you should consider placing a photo of yourself on the card.

Wednesday, December 3, 2008

Post Surgery Massage Therapy

My goal in writing this article is to educate the public, but most principally medical students and physicians and surgeons to the need to inform post-surgery patients of the benefits of massage therapy in reducing contractures, relaxing muscles which have become tight and guarding due to the trauma of the surgery and the displacement by surgical tools, and the laying down of collagen substructures which cause scar tissues around the incision and surrounding tissues. There is always enormous swelling and reduced flexibility and stiffness following surgery. The incision site and the underlying adhesions to muscle tissue and fascia because of tension, displacement, and cutting/suturing create scar tissue. It is vital that that incision site and joints be massaged after 7 days of healing. Of course pressure and intensity of massage will be light at first and will increase as time goes on helping to reduce swelling, redness, and pain.

I encounter many clients who are post-surgery and who have never received any instruction by their general physicians or surgeons to seek massage therapy as an integral and necessary part of their post-surgery treatment. I don't know whether this information is not made available at universities or whether the consequences of neglecting to inform patients is not fully appreciated.

The result is that the post-surgery population is suffering needlessly in pain for months and years because of untreated contractures, muscle adhesions, guarding muscles and scar tissues and its resulting consequences of reduced range of motion. Therapeutic massage has been scientifically proven to assist in solving these type of post-surgery issues.

I have achieved tremendous reductions in pain and noticeable and measurable improvements in tissue texture suppleness, and increased range of motion from the application of repeated therapeutic massage treatments for a range of surgery patients. The clients which have benefited from these treatments include shoulder rotator-cuff surgeries, breast reconstruction post-mastectomy, knee re-construction, hip replacement, and bi-femoral bypass affecting the groin and abdominal regions.

I would like to emphasize the importance to our post-surgery patients in reducing their post-surgery trauma, pain, and assist in improving the mobility and flexibility of tissue and joints through the use of regular therapeutic massage treatments. I am disappointed and angry when my patients tell me that their surgeons and physicians tell them that there is no benefit for them to receive massage therapy post-surgery. My patients comments are all the same:

I was not told of the benefits of therapeutic massage treatments after my surgery.

I am a practicing massage therapist in Winnipeg since 2001.

Roger Fontaine is a registered massage therapist who is operating a massage clinic offering therapeutic, rehabilitative, and stress-reduction table massage services and mobile service for chair massage in the workplace for special events, fundraisers, tournaments, celebrations, and any other function which requires a unique special feature. I have been operating at Shapes Fitness Centre at 1201150 Nairn Avenue in Elmwood Winnipeg since 2004, previously having operated a home residential clinic since 1999.


Tuesday, December 2, 2008

Consider Homeowner's Insurance When Purchasing Real Estate

Whether it?s a buyer?s market or a seller?s market, real estate is always a hot business. Sure, everyone likes a good deal, and many buyers choose to purchase a home when prices are low, but the fact is people always need places to live; that doesn?t change just because property prices are high at a particular time.

There are ways to save money when shopping for real estate that go beyond just shopping during a buyer?s market. Once you?ve figured your budget and have a general idea of what kind of home you?d like to buy, it?s time to go house hunting. This is where saving money comes into the picture.

In order to save money on real estate costs, many people opt to purchase ?fixer upper? real estate. A ?fixer upper? is a home that needs a lot of work; maybe new floors, new windows, even a new roof. Buyers choose a ?fixer upper? not only because the price is less than that of a home that?s in move-in condition, but also because they see great potential in the home.

While it?s true that buyers can save money by purchasing ?fixer upper? real estate, they can also lose money in the long run. Aside from the costs of repairs during the ?fixing up,? homeowner?s insurance tends to run much higher for people whose homes aren?t in the best condition. Homeowner?s insurance isn?t usually mandatory, but if a buyer has to borrow money from a bank in order to purchase the real estate, the bank may just require the buyer to purchase homeowner?s insurance until the debt is paid off.

So, the next time you head out to purchase real estate, keep in mind that you may be required to purchase homeowner?s insurance, as well. A ?fixer upper? might sound good when you?re making your offer, but it might not sound as good once you start looking for homeowner?s insurance.

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