Property Investment Vs Property Speculation

Most people get Real Estate wrong for two simple reasons.:

1. They don’t understand the difference between an asset and a liability
2. They don’t understand the difference between investing and speculating

The broke majority live under the misguided belief that their family home is an asset. An asset by definition is Something valuable that an entity owns, benefits from or has use of, in generating income. The key is the words generating income. By that definition your home is not an asset, it is a liability. It does not generate income, it costs you money.

The broke majority will borrow as much as they possibly can, to buy the most expensive home they can afford, in the mistaken belief that this is a good investment. In fact they are are burdening themselves with the worst kind of debt. Long term, expensive, non-deductible debt that produces no income in return. The same kind of debt that lead to the housing collapse in the USA.

Successful investors understand this crucial point. Your home is not an investment.

The Business Dictionary defines an investment as Money committed or property acquired for future income. Now some will argue that an investment doesn’t have to produce an income and cite as an example gold bullion, collectibles or share futures contracts. By definition, none of these are investments, they are items of speculation. They can go up in value or, just as easily, go down. You are speculating on the future trade-able value, not investing in the inherent value of the income an asset represents. Tens of thousands of homeowners around the world discovered in 2009 that home values can fall and can fall dramatically and disastrously.

If you buy a house to live in with no income return expected from it, but in the hope it will increase in value, you are speculating not Investing.

If you buy a house to rent out, you are investing. The Australian government has long recognised the difference and that is why they allow you to claim the expenses relating to a rental property, including interest payments, as a tax deduction but do not allow any deductions for expenses incurred in buying a house to live in. In other words, the government is willing to share the risk of investing in income generating real estate because the risks are lower than tying up your money in your home.

Smart investors have a small or no mortgage on their own home and the majority of their borrowings are for rental property because that is the lowest risk strategy. They also get the best advice they can on quickly reducing the mortgage on their home.

Secure your job as an IT contractor Accountants and make money

Today you have many types of jobs for you to choose from. You can be engineer, IT professionals, Tax-persons etc. Nowadays you can be IT contractor Accountants, engineering contractor, Project Manager Contractor, etc. A contractor is one who works for somebody else on a project for a fixed period. There are several reasons to be a contractor. If you join a company as a contractor you will get the various benefits like financial freedom, a fixed amount of pay, more independence and true success. Contractor jobs are far better than the permanent job as your success and failures depends only on your own performance. Neither you can blame anyone for your failure nor appreciate others for your success.

IT Contractors Accountants also give advantages to companies in several terms. If a company gives contract work to these contractors then it is less expensive for the company because the company is not required to pay any type of allowance like holiday pay, insurance, conveyance allowance, etc.

If you are much confused in choosing IT contractor Accountants jobs then underneath points will definitely help you:-

This contracting job gives you full freedom of choosing where to work and when to work.
You do not have to work under any observation. You are the boss of your own.
Money is more important for every person. This contract job let you to earn money than a fixed pay employee.
This contractor job is more beneficial as you will work by focusing on your task only whereas in permanent job you are pull out in several other directions to do work.
It allows you to understand different work cultures and understands several organizations deeply.
It is the type of full enjoyable job.

Now, if you decided to work as the IT contractor Accountants then you can select from two categories of options to work as:-

Umbrella

The contractor will be an employee of the umbrella company. You are not worried about any paper work but you have to fill your time sheet and get paid. The company will pay some expenses such as travel expenses, hotel expenses, etc. However a demerit such of Umbrella Company is that the contractor gets 60% to 65% of their contract.

Limited Company

You have to open your company and you will get 75 to 80% of your contract. The demerit is that you have to do lot of paperwork.

About Author:

Accountancy Managers is a leading firm of chartered certified accountants in London. They are committed to offer best services for IT contractor Accountants and other type of business and personal accountancy services.

The Verve Intellectual Property Case A Bittersweet Example

Intellectual property’s tentacles are long and strong. Maybe the largest battlefield in IP is the music industry. Composer, producers, interpreters and license owners might get unexpectedly involved in legal battles regarding the misuse or abuse of a song of their property. Sometimes it is just something as little as a sample of the song but are legal frictions can deal with millions and millions of dollars.

Time is not an issue to underestimate when dealing with Intellectual Property. If by any chance, you use a song that was written forty years ago, and one of its owners is still alive, he/she can claim unfair use and suddenly, legal lawsuits can flood your desk. When working with someone else’s work, you should be extremely careful, no matter if you already got permission to use it.

In 1997, the British band The Verve sampled an orchestration in one of their songs, “Bittersweet Symphony”, from the Rolling Stones’ “The Last Time”. Prior the release of the album, the group did the proper negotiations concerning the license agreement with the Rolling Stones to utilize the sample. When the album came out, the song was a complete hit and reached number 23 on the Billboard Charts. After the sudden success of the song, the Rolling Stones argued that The Verve violated their license agreement because they use too much of the sample in their song. The Rolling Stones ended up collecting 100% of the loyalties of the song. Members of The Verve argued that the Stones got greedy when they noticed the sudden success of “Bittersweet Symphony”.

As a result, the Rolling Stones sold the rights over the “Bittersweet Symphony” and it became part of many commercials and publicities. Allen Klein, Rolling Stones’ manager licensed the song to Nike and to Vauxhall automobiles. Both brands utilize the melody for multi-million dollar television campaigns. Even worse, when the song was nominated for a Grammy, The Verve was not named as a nominee, but Mick Jagger and Keith Richards were. This is just a little example of moral rights dealing with intellectual property. The song hit top of the charts and not one members of The Verve enjoyed a cent of its success.

If these types of situations happen with amazing groups, who supposedly are not interested in more money, anything can happen to regular people who may get exposed to these inconveniences. Get acquainted with the respective regulations and laws so that no economical issues may come up in case you are planning to use someone else’s inspiration!

Steps Required To Find A Reputable Siding Contractor

It will take some effort to find a siding Vancouver WA contractor that will meet your criteria of professionalism and experience.

One of the first steps to take is to contact the Better Business Bureau to see if the contractors you are considering are members. In addition, ask if there have been any complaints against them and particularly find out if there are any unresolved complaints.

Only work with a siding Vancouver WA company that has at least five years of actual experience working with siding so that you know you are getting contractors who are qualified to do the work. You should also verify that they have worked with the type of siding you intend to use on your house. For instance, if you want vinyl siding installed, you probably don’t want to hire a contractor who only has experience with wood siding.

Make sure that the company in question is fully licensed and has up-to-date insurance coverage. While no one wants accidents to happen, if they occur you want to be sure that the company insurance will cover both injury and property damage.

Ask the siding company to give you a list of ten referrals that you can talk to. If the company seems a bit upset when you ask for so many, you should go and talk to the next company. A company that does a good job should be more than happy to give you ten references from satisfied customers. Be sure to check out and talk to several of those clients. Drive past their house if possible to look at the job yourself, and be sure to ask them how easy the technicians were to work with.

Be sure to get actual estimates from at least three different siding Vancouver WA companies. Compare the costs of both labor and materials. If you see a big discrepancy in the materials cost, you should ask questions about that part of the bid.

By doing your research, you won’t end up with an inexperienced contractor who doesn’t do a good job. Since your house is one of your most valuable assets, it is important to you that the job is done right the first time.

Avail quality solutions from a reputed Vancouver Renovation Contractor

Renovation is a process that helps in retaining the appeal of structures that are prone to destruction. Proper and timely renovation of spaces help in saving huge losses. Furnishing includes not just simple tasks like painting, but also complex processes like finishing, flooring remodelling and if required, construction of new spaces. With the help of a good Vancouver Renovation Contractor, one can refurnish their residential and commercial spaces in an efficient manner.

The growth of real estate business in the country has added to the augmentation of firms that provide furnishing solutions to the clients. Home-related investments as well as remodeling services are gaining grounds in the city.

A number of factors should be taken into consideration while planning for renovating a space. The areas on which renovation needs to be done, should be decided beforehand as a wide variety of packages of renovation are offered to the clients by a good Interior Designers Vancouver, which offers furnishing solutions. A proper management of time and money can be done by understanding the required type of package. Albeit renovation services are flexible and can be modified according to the varied needs of the clients, a more efficient work is assured if the type and space of renovation is discussed beforehand.

Planning a proper budget is one of the other things that needs to done before assigning any work of renovation to a Vancouver Renovation Contractor. This helps in avoiding financial losses and enables the firm to combine specifications accordingly, so that the best solutions are offered, within the client’s budget. An expert Vancouver Renovation Contractor understands the gravity of the damages occurred to a structure and provides accurate solutions that would ensure proper repair and maintenance.

Any property in which one invests, be it residential or commercial, needs to be protected against destruction, as it proves to be one of the main investments made in a lifetime. To furnish such spaces in an efficient manner, so as to avoid losses and retain their quality, an experienced Interior Designers Vancouver can be hired.

Apart from remodeling, renovation services can also be availed to enhance the look and feel of an existing space. With its help, a whole structure or individual spaces can be tailored, according to the latest trends and fashions.

During a complete renovation package, The floorings are changed in an efficient manner. The walls of the whole structure-both interiors and exteriors, are re-painted. The plumbing and electrification system is checked for damages and replaced, if any.

A reputed organization that engages in interior designing and furnishing takes into consideration a number of social and economical factors, before commencement of a project. The renovation is started only after the plans and designs for the same are approved by the client. The refurnished spaces are finally furnished and the assigned project is considered to be complete only after the same is marked satisfactory by the client.

Contractor’s Plant & Machinery Insurance- Benefits And Exclusions

Coverage: Plant and equipment often constitute a considerable part of a building contractor’s investment. Contractor’s Plant and Machinery insurance is an exclusive all risks policy covering the plant and machinery used by the contractors at the site for various projects.
Contractors Plant and Machinery Insurance covers the property whether they are at work or at rest, or being dismantled for the purpose of cleaning or overhauling, or in the course of operations or when being shifted within the premises or during subsequent re-erection, but in any case only after successful commissioning.

Interest Covered: Illustrations of machineries/equipment that can be covered under Contractors Plant & Machinery insurance are-
– Earthmoving equipment: Bulldozer, grader, scraper, excavator, loader, dumper, etc
– Concrete mixer, concrete pumps
– Lifting equipment and drilling equipment Road surfacing equipment:
– Batching plant for production of concrete of asphalt
– Concrete or bitumen paving machines
– Bitumen tank sprayers (iv) rollers

Duration: Normally on annual basis and to be renewed periodically

Scope: It is an all risks insurance policy covering loss or damage to the property by any cause other than those excluded-
– Fire, lightning, explosion, aircraft damage
– Riot, strike, malicious act
– Flood, inundation, storm, cyclone and allied perils
– Landslide, subsidence and rockslide
– Burglary and theft
– Collision, overturning and falling of foreign object
– Any other sudden, unforeseen, accidental damages not explicitly excluded

Exclusions: Some of the special exclusions under the policy are-
– Electrical /mechanical breakdown
– Vehicles designed and licensed for general road
– Hull and machinery of waterborne vessel/crafts
– Plant/machinery working underground
– Equipments undergoing testing
– Replaceable parts
– Loss or damage due to explosion of boiler/pressure vessel
– Total or partial immersion in tidal waters
– Whilst in transit
– Consequential Loss

Extensions: Cover can be extended to includes up to a limit chosen by you on the following on payment of additional premium-
– Owner’s surrounding property
– Clearence and removal of debris
– Additional customs duty
– Express freight
– Air freight
– Third party liability
– Floater cover
– Dismantling
– Earthquake
– Escalation”””

Wonderful Things About Being a Game Developer

There are a lot of good things about being a game developer in the Philippines. As the multi-billion dollar mobile game development industry gets even bigger, more game development jobs become available in the country. These opportunities make it possible for game enthusiasts to work in a field they love and earn a living with a career that makes them happy. A career in mobile game development is more than an excuse to play games all day, there are many rewards that come in this industry. Using your creative and analytical skills – Game development jobs require both your creative and analytical skills. Some jobs like artists and sound engineers may have a highly-creative focus, while programmer jobs are very analytical. Game design and mobile app marketing uses both creative and analytical skills. You can always challenge and allow your skills to grow in mobile game development. Work in a lively and casual environment – If working in a cold and formal office is your idea of a nightmare, the environment of game development will be a sweet dream. It is so different from other industries. Employees are allowed to be as creative as they can be. There are no strict dress code and the working hours are flexible to maximize the employee’s efficiency. The best part is being surrounded with people that are passionate and driven about what they do. Having a steady career in a dynamic industry – The game development industry is always changing and it changes fast. With all the new innovations, it will be hard to find a dull moment. But the changes also bring new opportunities to learn so you can improve and expand your skills. But even with all these changes, the game development industry is well-established, so you do not have to worry about your job. Seeing people have fun with your creation – Making other people happy is one of the best feelings in the world. In mobile game development, you have a chance to do that in every game you create.

It is very fortunate that Filipino game aficionados can be a game developer in the Philippines and they no longer have to go overseas to realize their dream of making games. FunGuy Studio is an android and iphone app development company that makes it possible. They have their game studio based in Manila where they perform the whole range of game development jobs – from game conceptualization to mobile app marketing.

There are a lot of wonderful things about game development jobs beside impressing kids. It is a fun career that satisfies one’s need for creative outlet, growth and security. It also gives you an opportunity to turn your passion into a career.

Gurgaon Market hired Delhi NCR Property market

It is a subject of snooping concern that in current years Gurgaon real estate market has covered the further markets in Delhi NCR. Noida property is a chief centre in the Delhi NCR County mostly owing to the lofty attentiveness of cosmopolitan business offices. This business zone is lying at a distance of 15 km form Delhi, in the Uttar Pradesh border. Noida used to be in lofty admiration of property cost for the most recent numerous years. Nevertheless, in current times Gurgon properties illustrate a higher gratitude than those in Noida real estate. As the recession in the province is waning out, the realty market has develop into again vigorous in the Delhi National Capital region (NCR).

For the duration of this quarter, Noida properties, both commercial and residential in the main localities of Sector 20, 22, 28 and 31 have listed an approval of 5% to 8% over the equivalent epoch a year ago. It is applicable to note that Gurgaon property prices for the period of this quarter have exposed an average approval of 10% to 12% over the equivalent period last year. By existing price comparison as well, parallel properties in the two regions show significant differences. On an average, properties in Gurgaon are 15% to 25% costlier than Noida properties.

The movement in Ghaziabad, one more chief centre in Delhi NCR also highlights the vision that Gurgaon property market has obscured the further markets in Delhi NCR. In the major positions of Sector 10, 12, 15, 16 and 26 of Ghaziabad property for the period of this quarter land values have revealed an augment of 7% to 10% over the equivalent period in those locations. On the whole, the property rates in Gurgaon explain a boost of 20% to 30% over the average rates in Ghaziabad. This superior demand for Gurgaon properties is contributed to numerous contributing factors.

The conflict that Gurgaon real estate market has eclipsed other bazaars in the county will be verified with an overview of the home prices in Faridabad, a different chief centre in Delhi NCR. Property prices in the foremost places of the metropolis have exposed an admiration for the duration of this quarter. In zone 12, 18, 26 and 28, through the prior quarter, land rates have shown an appreciation of an average of 5% to 8% over the matching period the prior year. These trends explain that the approval rate of Gurgaon properties is beyond those of these places.

Buy Property in installment

Harish property provides plots, and property in installments.

Why you invest in Jodhpur property

Jodhpur is the famous Indian city. You can It is also referred to as the Blue City due to the blue-painted houses around the Mehrangarh Fort. Jodhpur lies near the geographic centre of Rajasthan state, which makes it a convenient base for travel in a region much frequented by tourists. The old city of Jodhpur is surrounded by a thick stone wall.

Investment location

HARI VIHAR
1. The Colony is palnned to have approximately 1200 plots on bighas.
2. It is at a distance of 45 K.M. from jodhpur and only 26 K.M. from pali. Very near to N.H. 65 (only 3 K.M. away)
3. The 3500 Bigha Pali RIICO (8500 Bigha Project) is 12 K.M. from HARI VIHAR COLONY.
4. The Proposed Civil airport, Steel Plant is only 3-5 K.M. away Very near to rohit (5 K.M.).

Distance between the way which is going by Hari Vihar

1. Development Area (Rohit) 2.5 km

2. Main Pali Road (N.H.65) 3 km

3. Rampura 3 km

4. Short Distance by Proposed Steel Plan 3 km

5. Petrol Pump, Hotal, Motal, Police Station 3 km

6. School, Hospital, Electricity and water Box 4.5 km

7. Rohit Market 4.5 km

8. Proposed Airport 4.7 km

9. Jalore & Balotra Road 5 km

10. Rohit Railway Station 7 km

11. Om Bana Than 9 km

12. Pali Proposed RIICO 9 km

13. JDA RIICO+ Fright Corridor 12 km

14. Pali Distt. 26 km

15. Jodhpur Railway station 45 km

Installment

1 We all dreams are by one plot for salf. It just 500/- Rs. Monthly Installment.

2 Distance between development area just 2.5 km.

3 Down payment 10,000
500×42=21,000
5,000×6=30,000
Total Months & Cost=61,000

4 Right time Investment is get good future.

5 Harish Properties Pvt.Ltd. bring a right Investment Budget for you, Just 500/- Rs. Monthly Installment.

6 Proposed steal plant is near by Rohit (Our Hari Vihar)

7 Can you change your child future, than Invest.

8 Properties for good future like a old men is Invest for you.

Harish Properties Pvt. Ltd.
Contact Person : Mr. Ranveer Vaisnav +91 94142 08854
Contact Person. : Mr. Harishdas +91 80940 00809
Contact Person. : Ms. Indu +91 8094000801
Contact Person. : Mr. Chaner singh +91 8094000802
Contact Person. : Ms. Dipti +91 8094000803, +91 8094000806
Contact Person. : Ms. Madhu +91 8094000808
Contact Person. : Mr. Haridas +91 8094000809
Contact Person. : Mr. Asish +91 8094000810
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Hike in Collector rates – Property market in Zirakpur suffers

Hike in Collector rates – Property market in Zirakpur suffers Owning a property in chandigarh has become a costly affair as the collector rate and the fee for getting building plan approved has been hiked by the authorities. A common man who is thinking of owning a small residential house in this region is hit badly by the hiked collector rates. Imagine, before April 1st, 2011, owning a small six Marla (150 sq yards) plot could be accomplished with the payment of Rs 75,000 (as collector rates) as compared to Rs 1,35,000 today for the same. The buyer will have to also pay Rs 45,000 for getting approval for building plan. The information about the hike is drafted on the basis of categories focused on location, for example the location of the property in concern is on the main road, on the link road, their placement in the municipal limit of Zirakpur etc. Registration rates for the land on the main road have been increased from Rs 1 cr to Rs 3.5 cr per acre. Similarly, the land rates have been fixed at Rs 1.5-2 cr per acre for the inner parts of property in zirakpur. Collector Rates Zirakpur Property LocationsPrevious NEW Main Road ( Per acre)Rs 1 cr3.5 cr Agricultural Land in Inner parts ( per acre)Rs 1.5 crRs 1.5-2 cr Commercial Property ( per sq yard)Rs 9,000Rs 18,000 Residential plots in named colony ( per sq yard) Rs 5,000Rs 9,000 Independent residential plots ( per sq yard)Rs 4,500Rs 8,000 Building Map Fees Residential Plot SizePreviousNEW 50-125 sq yardsRs 80Rs 323 flat rate for all sizes 250 sq yardsRs 213 Commercial plots All sizes Rs 350RS 2,815

For commercial properties the rates have been increased from Rs 9000 to Rs 18,000 per sq yard. The rates in approved residential colonies have been increased to Rs 9000 from Rs 5000 and for residential sites without any name of the colony; the rate has been fixed at Rs 8,000 per sq yard.

Hiking and fixing a same cost for building map approval fees for all sizes of plots will have direct impact on the property owner of small residential houses as it was Rs 80 instead of Rs 323 per sq yard now. For commercial property, there is a substantial hike in the rates; it has been increased from Rs 350 per sq yard to Rs 2,815 per sq yard. According to property consultants, -an end customer / buyer in the region would opt for flats in developments instead of plots due to hike in collector rates and building map approval fees-.