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By Costume Jewellery Online Australia

Basic facts about costume jewellery



When we speak about jewellery we often make a distinction between two major categories: fine jewellery and costume jewellery. Those two groups used to be very different from each other, but the differences have dwindled during the years and modern pieces of jewellery can often be placed on both sides. However, if we take a historical look, we can see that the costume jewellery appeared in the 1930s, and that the main difference between the two groups was in the materials that were used. Fine jewellery is created out of more expensive materials, such as gold, platinum and gemstones, while the accessories that belong to the opposing group can be created out of almost any material, even though designers and manufacturers predominantly use metal, colored glass, rhinestone and beads. For example, any piece of jewellery created from solid gold can be called fine jewellery, but if it is only coated in gold and there is cheaper metal underneath, then the piece will be categorized as costume jewellery.

Internet and costume jewellery

The World Wide Web changed a lot of things in people's lives, and there is almost no area of human activity that has not been affected by the availability and efficiency of the Internet. Better connectivity, faster sharing of information and access to remote markets gave the opportunity for online shopping to become the norm, and when it comes to costume jewellery online sales it is evident that they are constantly increasing. This type of trading is dominant in today's industry, and this goes for all types of products, not just costume jewellery. Therefore, costume jewellery online availability is not something that should come as a surprise to anyone, and this growing market makes higher and higher revenue every year.



The quality of costume jewellery online shops

The quality of costume jewellery has long been an issue, since cheaper materials were used in the creation http://www.heartsonfire.com/shop-jewelry/rings/engagement-rings.aspx process and this caused poor quality of the final product. Admittedly, the price was following the quality, so most pieces were very affordable and this was one of the reasons behind their huge popularity. Women from all over the world now had the chance to look beautiful and feel magnificent without the need to spend fortune on a piece of fine jewellery, and this caused the sales of costume or fashion jewellery to skyrocket. Modern technologies have brought new techniques of manufacturing, which means that the pieces we have nowadays are very beautiful and attractive, but at the same time built with superior quality and with no mistakes. As mention above, materials like beads, stone, pearls, crystal and even feathers or plastic are used in the creation of today's bracelets, earrings, necklaces, rings and similar items. They are designed in various styles and costume jewellery online shops offer wedding rings under $500 a wide range of products, with an equally wide array of styles and colors. Also, when it comes to costume jewellery online sales, and important aspect is the fact that trading on those websites is secure and that fast shipping is expected.

Author's Bio:

Oz Bling delivers the largest range of costume jewellery online Australia. Fun, formal, chic and unique, we have it all. Welcome! Oz Bling Fashion Jewellery is an adventure in adornment and a vastly diverse discovery of premium fashion jewellery designed to take your look above and beyond and to places it hasnt even been. For more information please click here.

Hedge fund Starboard Value LP urged department store chain Macy's Inc (M.N) to enter into joint ventures for its stores, including its flagship Herald Square store in New York, to realize greater value from its real estate assets.

The activist investor said on Monday it supported Macy's cost-cutting plans, but wants the company to follow through with real-estate deals to add more cash to its reserves.

"We believe that a JV, or series of JVs, can crystallize the value of Macy's real estate while bringing in a partner with substantial capital and real estate expertise that will enable the JVs to grow and diversify their real estate holdings," Starboard managing member Jeffrey Smith wrote in a http://realestate.nj.com/ letter.

The letter suggested two separate joint ventures - one for Macy's landmark properties including Herald Square, Union Square, State Street and Downtown Minneapolis, and a second for its hundreds of mall-based stores.

Macy's shares were up 2.5 percent at $36.79 in premarket trading on Monday.

Starboard valued the real estate portfolio at about $21 billion, and said separating it could create $10 billion of shareholder value.

Wall Street Journal reported the news first.

The bulk of Macy's market value - $11.28 billion as of Friday's close - comes from its prized real estate asset holdings. Starboard has estimated that the Herald Square store alone is worth nearly $4 billion.

Pressured by Starboard last July, Macy's had hired advisers to study its real estate portfolio and said it had begun the process of exploring JVs and other deal structures with third parties to redevelop some of its flagship stores.

It also sold some floors of its stores in downtown Seattle and New York's Fulton Street.

"The viewpoint expressed by Starboard is consistent with actions already under way at Macy's ... to explore joint venture and you can try these out other potential relationships related to the company's real estate and to improve our profitability from operations," Macy's said in an email on Monday.

"We look forward to continued dialogue with Starboard and other shareholders."

Starboard also reiterated that Macy's stock could trade as high as $70, nearly double its Friday closing price of $35.89.

Starboard owns a 1.04 percent stake in Macy's as of Sept. 30, according to Thomson Reuters data.

Macy's reported disappointing holiday sales last week, and said it would eliminate more than 2,000 jobs.

Though the temperature hit 100 degrees in Delray Beach, Fla., last summer, eager buyers lined up and waited outdoors for days.

Was it Springsteen tickets? A free tank of gas? Neither of these.

Watch "20/20" Friday night at 10 p.m. ET

The men and women waiting for this modern-day gold rush to begin were looking to buy condominiums in south Florida, a real estate market that over the past four years has become one of the hottest in America.

But is it overheated?

New Jersey native Jay Lutz didn't think so when he and his wife purchased a condo unit in Delray Beach's Pineapple Grove Village that he never planned to move into.

"We didn't get our first choice or our second choice, but we're pretty happy with what we got," Lutz said.

Like other buyers, the Lutz family was happy to spend $350,000 for a one-bedroom condo and up to $800,000 for a three-bedroom unit -- only to resell those units immediately.

"If I can get a buyer and I can flip it right away, I'll do it," Lutz said.

"Flipping" in real estate lingo means buying and quickly reselling properties for big profits. In south Florida and other popular real estate markets, it got to the point where people were buying and flipping contracts on condos before they'd even been built.

Big Returns on Investments Seduce Buyers The preconstruction market in Miami has seen some of the highest investor returns in the United States. "People are seeing 2, 3, 400 percent returns on what they invest in a construction condo -- over about a year," Mark Zilbert, a Miami real estate broker, said last year.

"What kind of drives the desirability in the Miami area is where the waterfront locations are," Zilbert said.

Zilbert estimates that at one point, up to 80 percent of condo purchases were purely speculative investments, made by people with no plans to ever live in one of the tens of thousands of new condos transforming the Miami skyline.

Though some people who bought in plush waterfront towers intended to move in, the profit potential became too tempting. That's what happened to condo owner Darryl Randall.

Showing the "20/20" crew around his condominium in downtown Miami Beach, Randall said, "This three-bedroom unit was purchased originally at $1.1 million, and right now we have it listed right at $1.8. Planned on staying here forever, but $700,000 is $700,000. And in a market like this, it's time to move up and move out."

But Randall's condo languished on the market for months. Then he sweetened the deal by throwing in all the furnishings and his $125,000 dollar Maserati. It worked.

"And the final selling price was $2.3 million," Randall said.

Despite the hefty sale price, having to throw in those enticing extras after the condo sat on the market for months may have been a sign that the south Florida real estate market was weakening.

And some speculative buyers were getting cold feet. Shortly after the Lutz family put a down payment on a new condo, they decided it was too pricey and got their money back.

A Sudden Change in the Climate All the little signs were adding up, and by last winter the Florida real estate market had taken a dramatic turn.

"It stopped, frozen. Selling investment property was very difficult," said realtor and investor Peter Celnicker.



Celnicker came to Florida as the market was soaring. After five years of savvy buying, he said that by last summer he was a millionaire -- at least on paper.

Then, almost overnight, the market changed.

"I mean, it was really that quick. [It] went from an absolute seller's market where you could sell a property literally in 24 hours to a buyer's market where it can take three, four months to sell a property," Celnicker said.

Celnicker attributes the chill to higher interest rates and a punishing Florida hurricane season. But he and his investment partners had put some money aside, rented out all their properties, and weathered what they hope is the worst of it.

"I knew as long as trilive condo kovan I could ride out those first couple of months, then I'd be safe," Celnicker said.

There are a lot of unknowns today in south Florida real estate, where there's concern that words like "hot" and "flip" may soon be replaced with "chilly" and "stalled."

One reason: Experts now say Miami Beach has perhaps the most overvalued real estate in America.

"Construction costs have http://www.re.state.az.us/ gone up, prices have gone up and so there is a point, we think, that buyers are reluctant to overpay for an apartment -- especially when there's an oversupply," said Zilbert.

He remembers the moment he realized the market was changing.

"There was a day that I woke up at the launch of a new building, and I contacted my clients and I sent out my e-mails and I did my advertising, and not a single person wanted it. Not a single person showed up. And the feedback was, 'I think prices are gettin' outta control,'" Zilbert said.

But even in harder real estate times, Zilbert has a way to make money and, he said. He can bail out investors who may have gotten in too deep. His Web site, CondoFlip.com, can connect desperate sellers with "vultures," people who are ready to buy at a low price.



And he's recently added something called the panic button.

"The CondoFlip panic button gives the seller an option -- push the panic button and then we have vultures lined up, and it's something that is going to probably happen more often than we would like to see. And people will lose some money," said Zilbert.

Celnicker agrees that desperation has hit the south Florida real estate market. "I think there's going to be a lot of desperate sellers," he said.

And speculative investors who bought into the high-priced, preconstruction condo market in south Florida may be in for a rough ride, Celnicker believes. But he won't be one of them because he bought low-end properties that can be rented to cover costs if there's a downturn in the real estate market.

"This is not a 'get rich quick' thing. This is a minimum two- to three-year investment. Real estate is a long-term investment vehicle, and you have to be prepared for contingencies. And if you are, then I think it's a very safe investment. But if you're just jumping in because your neighbor made $50,000, you could get stung," Celnicker said.

Buyers, Zilbert says, are becoming more cautious. "There's not a day that goes by that I don't take a buyer to a property he or she trilive condo review will find something he absolutely adores, wants to purchase it, but at the end of every conversation is, 'I think http://www.investorwords.com/4057/real_estate.html I'm going to wait six months and see what happens.'"

Some realtors say even if the "flipping" frenzy has cooled for some investment speculators, Florida's got an ace in the hole. It's still a place where people want to buy homes and condos they actually plan to live in.

"We have a thousand people moving to Florida every single day. Then add to that all the vacation, the second-home buyers from Europe and around the world," Zilbert said.

If you're ready to buy a south Florida residence right now, the market could be working in your favor.

Take those Delray Beach condos launched last summer. It turns out 40 percent of those units are still available, and some of the prices have dropped dramatically.

That's good news for new buyers, but not so good for those who paid $100,000 more just eight months ago.

But, after all, no one ever said buying real estate came without risks.

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Most advertisers apparently let Grandparents Day 2010 come and go without making any effort to reach one of the fastest growing segments of the American population. They might want to pay more year-round attention and to the 2011 observance.



Lori Bitter. president of Continium Crew, a communications firm specializing in reaching mature audiences, provides five impressive statistics about American grandparents.



Seventy Million GrandparentsAmerica has 70 million grandparentsThey account for 40 percent of U. S. householdsAnother 1.7 million join those ranks annuallyThe average age of grandparents is 48.Grandparents annually spend more than $50 billion on their grandchildren.That $50 billion is in addition to what they spend on themselves for such things as housing, food, transportation, vacations, health and entertainment.Baby Boomers Joining Them

These are not your fathers grandparents, isolated from the mainstream population and settled into rocking chairs or television lounge chairs. They turned into an active, dynamic group even before the Baby Boomers began joining them. Their huge numbers alone make them a very diverse group. Many of them:

Are involved in fitness programsHave become worldwide travelers, especially on cruises.Continue to work for a couple of decades after becoming grandparentsAre active investors in financial markets and real estateAre avid sports fans as well as theater and arts patrons.Have embraced everything from texting to TIVO technologyAre raising, or helping to raise, their grandchildrenHave become regular volunteers for charitable and civic causesSome are even going back to school or launching new careers.

All of this makes them part of large demographic groups reachable by general or targeted media. But because they browse around this site are also grandparents, there are additional opportunities to engage them, especially in the new social media. For instance:

A Google search for travel produces 5.1 billion results, but a search for travel + grandparents reduces that to 5.5 million.A search for fitness produced 203 million results. Fitness + grandparents reduces the count to 1.3 million.A simple search for grandparents returns 68.9 million results.Portray With Grandchild

How they are portrayed in ads may also affect how much they are engaged by the ads:

Instead of being pictured as silver-haired couples in a fitness center, grandparents might better be pictured with a grandchild on a walking path.Instead of portraying them planning their own retirement, they might be portrayed planning an estate for their grandchildren.A grandparent taking a grandchild to a game or theater evokes fond lifetime memories for both the child and the grandparent. It may also generate heavy response in an ad featuring such an occasion.The photo world is full of great pictures of mature hands holding young hands.



When planning a Grandparents Day ad campaign, it may be best to direct branding programs at the grandparents and sales campaigns at the children and grandchildren who will purchase their presents.

Grandparents Day in 2011 is September 12. That leaves plenty of time to plan a powerful, well targeted campaign.

Advertising to Baby Boomers

Summary The European real estate sector offers an interesting alternative for U.S. investors, given that interest rates should remain lower for much longer than in the U.S.

The German residential sector is the most attractive sub-sector supported by strong economic fundamentals and the recent immigration inflow.

Deutsche Wohnen is the best way to play this theme, both from strong fundamentals and additional upside from M&A activity.

The real estate sector is one of the sectors that most benefit from the European Central Bank's (ECB) quantitative easing policy, through low interest rates that ultimately leads to lower borrowing costs for real estate companies and higher demands for alternative assets.

With interest rates expected to stay low for a long-time in Europe, the environment for the real estate sector appears to be supportive for the next few years. One sub-sector within the European real estate industry that is particularly interesting to play this theme is the German residential sector.

This sub-sector has positive fundamentals due to a strong economy with low unemployment, relatively high growth and a housing market that has recovered over the past few years and is now tight across major cities. For income investors, this is appealing due to the long-term nature of real estate assets that provide sustainable dividend streams over the long-term.

German Economy

Germany is the largest European economy and has better fundamentals compared to the vast majority of European countries. Historically, it has enjoyed a higher economic growth rate, below average levels of unemployment and a balanced fiscal budget. This strong macroeconomic background is very good for the real estate sector, and particularly in the residential sector that should continue to support rental and value growth.

Germany has one of the lowest rates of home-ownership in Europe, way below the European average. Only Switzerland has a lower house ownership rate among European biggest countries. Residential values are relatively low compared to other countries, largely for historical reasons due to state intervention in the large-scale supply of German residential for almost a century. Also, there are rent restrictions that have a great impact on the supply side of the market.

Construction has been low during the past 15 years showing that Germany has not seen a real estate bubble, like Spain or Ireland, leading to much more stable housing prices over the cycle. The gradual inflationary rental growth which results from the system of controls, underpins price stability for unit values and average values per square meter. Generally speaking, rent http://www.highlineresidences-condo.info/ restrictions limit rent from tenants, but actually make new development unprofitable, hence the very low levels of new construction experienced over the past years. The overall German housing market has seen considerable price stability in transactions, avoiding the boom and bust in house prices seen in countries such as the U.S., U.K. or France.

Despite a strong pick up in transaction volumes for portfolios of German residential property over the past few years, this has not impacted very much the price of German residential units. Average values per square meter have stayed in a range of 800-1,000 since values rebounded in 2009, from some possible forced selling in 2007-08. Currently, Germany's three largest cities are 30% cheaper than Italy and way cheaper compared to Paris and New York, which are roughly twice as expensive. Therefore, German property appears to still be relatively cheap despite the housing recovery experienced recently.

Housing Market

The favorable residential market situation over the past few years with rising rents, urbanization, rising number of households due to structural demographic trends and low new construction all led to a tight residential market that was clearly good for established players. Additionally, stable incomes, low mortgage rates, government programs to encourage the modernization of properties, and high demand for residential real estate in prosperous regions are positive cyclical factors that further supported the residential market.

Despite several years of improving market environment, the German residential market remains strong overall, but that are a few large cities that are seeing particularly good trends. Berlin is showing the greatest scope for growth, but other large cities and prime locations are also seeing strong rental and capital value growth. This strong market also leads to very low vacancy rates that are about 4% on average, which means that the number of available houses for rent is quite scarce.

More recently, the surge in immigration has been another positive factor for the residential housing market that is bolstering an otherwise weak demographic outlook in Germany. This should create tenant demand for the low-cost housing provided by the listed companies, helping to keep vacancy rates at historically low levels. It should also put some additional pressure on rents and lead to like-for-like rental growth, even though large increases are not expected due to rent caps.

All these factors are good for residential landlords and real estate investors, which profit not only from the capital appreciation of their investments, but also from the income stream that those assets produce. With vacancies low and traditional assets offering near zero yields, real estate yields continue to be attractive and should support housing prices for the next few years.

Listed Players

German residential accounts for around 83% of the total German listed real estate market size. The largest landlords are Vonovia (OTC:VONOY), formerly known as Deutsche Annington, and Deutsche Wohnen (OTC:DWHHF) which are the natural consolidators in the industry. LEG Immobilien (OTC:LGMMY) is also a significant player, while thereafter are other smaller listed companies, such as TAG Immobilien (OTC:TAGOF) or Grand City Properties.

The companies generally own small apartment blocks mostly built in the two decades following World War II. Average unit size is relatively small, with most often only two bedrooms. Units are usually rented unfurnished and the tenant supplies their own kitchens units and appliances, which is feasible by strong security of tenure and long average stay of more than 10 years. The three largest players have low vacancy rates between 2% and 4% of the total portfolio. Reducing vacancy rates often involve additional expenditure by the landlord, but that is recovered by the prospect of improving cash flow by higher rents.

Vonovia is the largest listed landlord in Germany, operating through an industrial-like approach and has a very scalable platform. Currently, it has around 600,000 apartments and its capacity is to operate up to 1 million units, thus it is not saturated. Its portfolio is diversified throughout Western Germany, but North Rhine-Westphalia state represents almost half of its portfolio.

Deutsche Wohnen is the second-largest listed landlord, being very much concentrated in the Berlin area. Its portfolio is comprised of around 150,000 units, of which residential represents about 98% of the total. The company has grown over the years through acquisitions, maintaining its concentrated portfolio to explore economies of scale.

LEG Immobilien is another key player in the German residential sector, with more than 100,000 apartments mainly in the North Rhine-Westphalia state where it has approximately the same number of units as Vonovia. This is Germany's largest economic region and most populous federal state. It has the largest weight of subsidized rents in its portfolio among the largest companies in the sector, accounting for about 38% of the total amount of rents.

Given this exposure profile of the three largest players, Deutsche Wohnen seems to be relatively higher risk because the bulk of its exposure is in Greater Berlin. Therefore, a downturn in a relatively small area could have a significant impact on its bottom line. LEG seems to be in between, with a property portfolio that is located mainly in one federal state, but is spread in a number of different cities. The most diversified is Vonovia, whose portfolio is spread throughout Germany, although a significant part is also located in only one state.

Significant M&A activity in the German residential market has happened over the past four years, increasing its consolidation and size of the largest peers. Both Vonovia and Deutsche Wohnen were quite active buying smaller players and emerged clearly as the two larger listed landlords.

More recently, Deutsche Wohnen tried to close the gap to its larger peer and launched a takeover offer for LEG. However, this combination would reduce Vonovia's potential growth from acquisitions and decided to bid for Deutsch Wohnen, restricted to Deutsche Wohnen's shareholders reject the previous LEG bid.

Shareholder support for the LEG deal appeared to be low and the company withdrew its offer, while at the same time rejecting Vonovia's offer as too low. Nevertheless, this is now the only remaining bid (Vonovia/Wohnen) and if successful will create the clear leading player in the residential with a much larger size than LEG.

Main Risks

Even though the German residential sector can be considered relatively low risk, it still faces some risks that investors should be aware. These risks come mainly from politics and regulation, a feature that has been part of the sector's structure for a long time.

One of the main risks the sector faces is the risk of rising interest rates, because the sector has relatively higher financial and operational leverage than other areas of real estate. However, this risk seems low right now given that the ECB is not expected to raise rates soon. Nevertheless, the sector has recently tracked the yield on the German 10-year government bond and a sustained rise in this yield may cause real estate stocks to suffer.

Within the real estate sector the residential market has fewer clusters risks, thus residential markets are considered less risky than, for instance, commercial markets. For instance, commercial properties are often let to only one tenant while in residential markets the number of properties and tenants is very large, which helps decisively to diversify risk.

Germany's residential market is tightly regulated, but German politics are notoriously difficult to read. Currently, the German residential market protects tenants with lifetime leases and rent increases governed by indexation, rent increases limits and restrictions on rent growth on re-letting. This is negative for companies because it limits revenue growth and they can't benefit from housing shortages in certain cities. Additionally, two measures are being currently explored to cap rental increases in new contracts and existing tenancies, ultimately delaying landlords' ability to impose rent increases and capture under-renting.

The most exposed company to regulated rents is LEG, which has about 38% of its rents restricted in terms of public subsidies (its rental growth is capped). Vonovia and Deutsche Wohnen have also some exposure to this issue but it is, on average, only about 10% of total rents.

Another issue with German residential is that unlike some other European countries, German law provides a high degree of protection for tenants. For example, lease contracts without ending date are possible and those with a fixed term can only be terminated under certain conditions. On the other hand, the law is much more accommodating for the tenant, who can give a three months' notice to terminate the contract without any justification. Thus, landlords have much more risk than tenants and this may be a constraint for the company's growth and profitability prospects.

Conclusion

With U.S. interest rates on the path to increases sooner or later, the REIT sector should be negatively affected over the coming years. Therefore, income investors should consider European real estate as an alternative due to expected low rates for longer. Within the European real estate sector, German residential is quite attractive offering relatively good dividend yields and a sound business model. Deutsche Wohnen is now the best way to play this theme offering a dividend yield of more than 2%, but also upside both from strong operating fundamentals given its presence in Berlin and from Vonovia's offer.



Editor's Note: This article discusses one or more securities that do not trade on a major U.S. exchange. Please be aware of the risks associated with these stocks.

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Answerbag Staff Does a non-working fireplace have to be included in a homeowner's insurance policy?

by Answerbag Staff on March 2nd, 2011 | one answer | in Insurance for Real Estate

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by jabong.coupons.7 on March 16th, 2013 | 1 person likes this | one answer | in Insurance for real estate

Answerbag Staff How much does it cost to insure a mobile home in Florida?

by Answerbag Staff on August 10th, 2010 | one answer | in Insurance for real estate

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by Spooky Amber on February 20th, 2013 | 6 people like this | 6 answers | in Insurance for Real Estate

Answerbag Staff How do I calculate flood insurance rates in Hurst, Texas?

by Answerbag Staff on July 30th, 2010 | one answer | in Insurance for real estate

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by RosieGHM Jetpacker on January 29th, 2013 | 3 people like this | 4 answers | in Insurance for real estate (General)

Answerbag Staff What is the average Florida flood insurance rate?

by Answerbag Staff on July 30th, 2010 | one answer | in Insurance for real estate

Spooky Amber Should I make it clear I only want to stay in Quebec because I like their maple syrup and nice winter weather?

by Spooky Amber on January 20th, 2013 | 2 people like this | 5 answers | in Insurance for Real Estate

Answerbag Staff How much lenders insurance do you pay in Australia?

by Answerbag Staff on July 23rd, 2010 | one answer | in Insurance for real estate

Ryanboggs Are the advice of the real estate experts more reliable to the people?

by Ryanboggs on December 16th, 2012 | 1 person likes this | 4 answers | in Insurance for Real Estate

Answerbag Staff Can legal representation be included in a homeowner's policy?

by Answerbag Staff on July 18th, 2010 | one answer | in Insurance for real estate

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by giwil on September 17th, 2012 | 2 answers | in Insurance for real estate (General)

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by Answerbag Staff on July 16th, 2010 | no answers | in Insurance for real estate

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by fsw9jd on June 10th, 2012 | 3 answers | in Insurance for real estate

Answerbag Staff Who is the commissioner of insurance?

by Answerbag Staff on July 15th, 2010 | one answer | in Insurance for real estate

DougR Does homeowners insurance cover damages by renters? I am evicting former friends and did not get a security deposit. Afraid of damage.

by DougR on May 9th, 2012 | one answer | in Insurance for real estate (General)

Answerbag Staff What is an insurance transfer fee?

by Answerbag Staff on July 9th, 2010 | one answer | in Insurance for real estate

Does any1 know of any high risk home loan lenders in Georgia? Bad credit and need a home lone, first trilive showflat time. And suggestions?

by on January 31st, 2012 | one answer | in Insurance for real estate

Answerbag Staff Where are the high risk home insurance areas in South Florida?

by Answerbag Staff on June 19th, 2010 | one answer | in Insurance for real estate

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by spreadingtheword on November 8th, 2011 | one answer | in Insurance for real estate (General)

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by Answerbag Staff on June 18th, 2010 | one answer | in Insurance for real estate

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by unfulfilled11 on July 9th, 2011 | one answer | in Insurance for real estate (General)

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by Answerbag Staff on August 1st, 2010 | one answer | in Insurance for real estate

Answerbag Staff If I own a trailer on a rental property, what kind of insurance do I need?

by Answerbag Staff on April 12th, 2011 | 3 answers | in Insurance for Real Estate

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by Answerbag Staff on July 25th, 2010 | one answer | in Insurance for real estate

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by loverbbw on March 20th, 2011 | 5 answers | in Insurance for real estate

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by Answerbag Staff on July 8th, 2010 | one answer | in Insurance for real estate

Answerbag Staff Does a non-working fireplace have to be included in a homeowner's insurance policy?

by Answerbag Staff on March 2nd, 2011 | one answer | in Insurance for Real Estate

Answerbag Staff What is the average cost of homeowner's insurance in Florida?

by Answerbag Staff on June 29th, 2010 | one answer | in Insurance for real estate

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by wadeb on February 28th, 2011 | one answer | in Insurance for real estate (General)

Answerbag Staff What is a construction loan title insurance policy?

by Answerbag Staff on June 27th, 2010 | one answer | in Insurance for real estate

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by pptvakil on February 26th, 2011 | one answer | in Insurance for Real Estate

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by Answerbag Staff on June 20th, 2010 | one answer | in Insurance for real estate

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by ivanchatanu on December 1st, 2010 | 6 answers | in Insurance for real estate

Answerbag Staff Can I buy home insurance without a Social Security number?

by Answerbag Staff on June 21st, 2010 | one answer | in Insurance for real estate

Answerbag Staff How much does it cost to insure a mobile home in Florida?

by Answerbag Staff on August 10th, 2010 | one answer | in Insurance for real estate

Answerbag Staff What are IC funds on a mortgage?

by Answerbag Staff on August 1st, 2010 | one answer | in Insurance for real estate

Answerbag Staff How do I calculate flood insurance rates in Hurst, Texas?

by Answerbag Staff on July 30th, 2010 | one answer | in Insurance for real estate

Answerbag Staff What is the average Florida flood insurance rate?

by Answerbag Staff on July 30th, 2010 | one answer | in Insurance for real estate

Answerbag Staff What does an insurance rate score of 864 mean?

by Answerbag Staff on July 25th, 2010 | one answer | in Insurance for real estate

Answerbag Staff How much lenders insurance do you pay in Australia?

by Answerbag Staff on July 23rd, 2010 | one answer | in Insurance for real estate

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by brainwaugh on July 21st, 2010 | no answers | in Insurance for real estate (General)

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by Gosselin753lp on July 20th, 2010 | 1 person likes this | one http://en.wikipedia.org/wiki/Real_estate answer | in Insurance for real estate (General)

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by ddphillips111dd on July 20th, 2010 | one answer | in Insurance for real estate (General)

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by JohnSSwasey123l on July 19th, 2010 | no answers | in Insurance for real estate (General)

Answerbag Staff Can legal representation be included in a homeowner's policy?

by Answerbag Staff on July 18th, 2010 | one answer | in Insurance for real estate

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by Vivian852w on July 16th, 2010 | no answers | in Insurance for real estate

Answerbag Staff How often do I pay the premium on my title insurance policy?

by Answerbag Staff on July 16th, 2010 | no answers | in Insurance for real estate

Answerbag Staff Who is the commissioner of insurance?

by Answerbag Staff on July 15th, 2010 | one answer | in Insurance for real estate

Answerbag Staff What is an insurance transfer fee?

by Answerbag Staff on July 9th, 2010 | one answer | in Insurance for real estate

Answerbag Staff What does a Flood C Zone mean?

by Answerbag Staff on July 8th, 2010 | one answer | in Insurance for real estate

Answerbag Staff What is the average cost of homeowner's insurance in Florida?

by Answerbag Staff on June 29th, 2010 | one answer | in Insurance for real estate

Answerbag Staff What is a construction loan title insurance policy?

by Answerbag Staff on June 27th, 2010 | one answer | in Insurance for real estate

Answerbag Staff Can I buy home insurance without a Social Security number?

by Answerbag Staff on June 21st, 2010 | one answer | in Insurance for real estate

Answerbag Staff Is property insurance deductible?

by Answerbag Staff on June 20th, 2010 | one answer | in Insurance for real estate



Appeal to broader set of renters

During the recent downturn in real estate, unfortunately a lot of home owners have lost their homes. They still prefer to live in single family homes as opposed to an apartment. What this means for a real estate investor is that he now has a larger rental pool for his (single family home) property. In addition, people who are moving across the country for job opportunities are sometimes renting out their original homes and looking to rent a single family home for themselves. There are several such factors that make single family homes' rental pool larger and easier to deal with.

Getting a mortgage is easier

When you are applying for a mortgage on a single family home, it is a much more predictable and easier process as compared to that for a condominium. The laws for getting mortgage on condominiums are much more stricter in today's economy. This makes the buying process of a single family home seamless and hence a better investment choice.

Stable Property Value

Another factor that makes single family homes a better investment choice is that with everything else being the same, single family homes tend to hold their values better than townhomes or condominiums. This is important to keep in mind since in addition to a steady income, an investor needs to also keep in mind the appreciation potential of the property.

Predictable cost structure

Since a single family home is an entity in itself, it doesn't get affected by other factors that could vary the cost of owning a condominium or townhome. A condominium or townhome has shared walls and http://www.homes.com/for-sale/ common areas and sometimes the maintenance cost could increase when repairs etc. are required. With a single family home, you are more in control of the cost of owning a property and that makes it trilive condo price a better choice.

Easier when you decide to sell

When you are in the market to sell a single family home that you have been renting out for investment, it is an easier task http://www.trulia.com/ since your pool of buyers are both investors as well as people who are looking to purchase homes for themselves. Of course you still incur the cost of selling the home but it is a much easier process to deal with.

http://tri-citiesrealtygroup.com/



A REIT buy's skyscrapers, shopping malls, apartment complexes, office buildings, or housing developments. Rather than investing directly in real estate, investors of REIT's invest in a professionally managed portfolio of real estate.

REIT's trade on the major exchanges, just like stocks. REIT's make their money from the rental income, profits from the sale of the property and other services provided to the tenants. REIT's also receive special tax considerations; they do not pay taxes as long as they pay out at least 90% of their net income to investors. Thus, successful REIT's can offer investors high yields, current income, and moderate growth. But, while these tax considerations benefit the REIT, the investor still has to pay tax on the growth just like a share of stock.

There are several types of REIT's:

There is a equity REIT. It's main objective is buying, renovating, managing, maintaining, and selling real estate. This is the most common type.

There is the mortgage REIT. It makes loans or invests in existing mortgages.

Hybrid REIT's do a combination of both.

Then there are UPREIT's and DownREIT. These were developed in the early 90's to provide tax benefits to their shareholders.

Advantages:

All REIT's are governed by strict regulation. REIT shares are more liquid than investing directly in real estate. The REIT's are professionally managed. Open up investment opportunities that may not be available to the average investor. Provide annual income. Disadvantages:

Supply and demand imbalance. Booms and busts can impact office space activity. Rising interest rates. This increases borrowing costs and impact bottom line. This could also slow down rentals and purchases if interest rates increase. Subject to risks associated with the general real estate market including possible declines in the value of real estate, decline in economic conditions, and possible lack of availability of mortgage funds. Use as a tax shelter is limited. REIT's are not allowed to pass losses through to their investors. So, if the REIT loses money, you won't be able to use the loss to offset other investment gains. Dividends paid from a REIT are taxable as income. A portion of a REIT dividend may be taxed an a lower capital gain rate. For tax years beginning on or after January 1, 2003 and before January 1, 2011, qualifying dividends paid to individual shareholders from domestic corporations (and qualified foreign corporations) are taxed at long-term capital gains tax rates. For tax years prior to January 1, 2003, however, stock dividends were taxed at ordinary income tax rates, generally resulting in significantly more tax due. Absent further legislative action, stock dividends will again be taxed as ordinary income beginning in 2011.

Capital gain tax liability may occur when you sell your shares. If you sell the share for more than you sims urban oasis bought it for. Just like stock.

When looking to invest in a REIT, you can do the same research as you would have done in researching a share of stock. Because they are publicly traded companies you can look at their earnings, both past performance and potential for future growth, dividend yield, payout ratio, and price-earnings ratio. By keeping an eye on the real estate market you may be able to detect certain shifts in the market, overbuilding, current buildings https://homes.yahoo.com/ where office space is sitting empty, or where certain types of business are closing because of economic situations. This way you can more to another type of REIT that may work better in a certain kind of market.

You can go the Forbes magazine REIT gold list to see different REIT companies, what they are invested in, and what the performance is..***:D

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You'll see articles on the Web about Warren Buffet's bigtime investment in mobile home parks. There's a lot of money to be made in the niche, but I'm not writing here about the more permanent resident type park with full size mobile homes parked there for years. I'm talking about RV, Recreational Vehicle parks, operated more like hotels with overnight stays up through month-to-month rentals of space. Some of them may also offer full time spaces for the permanent mobile homes, but their primary focus is on vacationers with RVs or the growing full time RV resident.

If you take a slow drive-through tour of a nicely outfitted RV park, you will see http://www.johnlscott.com/ things like swimming pools, fishing ponds, group party facilities, laundromats, and even casinos. Well, really, casinos are offering RV parks as an inducement to part time and full time RV residents to pull up and spend some time next door with little else to do other than gamble. I mention this to help to show the popularity of the RV and the growing full time RV lifestyle.

In case you haven't checked out the current RV styles and offerings, a trip to an RV dealer can bring surprises as to just how lavishly these rolling homes are appointed. They have pretty much every appliance and amenity you can get in a regular home other than maybe dishwashers. Some do have one, but space makes them a lower priority feature. However, there are island kitchens, televisions in every room, satellite TV dishes built-in and self-pointing, and even full size stainless steel refrigerator-freezers.





With Baby Boomers retiring now at a 10,000 per day rate, there is a booming industry in selling them RVs and maintaining them. But the biggest money-maker is in providing them with a place to stay for a night to months, often in a popular tourist area. There are beachside RV parks, mountain views, streamside fishing parks, and more. For an overview of the investment potential, let's look first at what is necessary for one of these parks, then what is considered upgrades. You will need:

Streets/roads and space for parking the RV plus a bit of room on both sides for some feel of privacy and outdoor living. Many of the new RVs have outdoor kitchens and even mounts to watch cable TV outdoors with speaker systems.

Utilities, including electric, water and sewer hookups.

Reliable WiFi Internet has become a necessity.

Restroom and laundry facilities.

Those are the necessities. Adding in swimming pools, boat docks, fishing ponds, party facilities and other amenities will add to the rents you can charge and increase occupancy rates.

Rates of course vary dramatically by location, and whether electricity is botanique at bartley showroom included in the space rent for monthly space varies. Electricity is always included in overnight or weekly stays. However, when even a decent park in an area not considered a top tourist spot can command a monthly space fee of $400 to $500 dollars plus electricity, you can see how it can add up. A generous space may be 60 feet long by around 30 feet wide, so you can pack a lot of them into a dozen acres or so.



In beachfront and mountain vacation areas and during the popular seasons, you can find space rents by the month for as much as $1,500 ... just for the space. Some parks provide cable TV as part of the rate, while others charge extra for it. If you start paying attention and checking out RV parks with a couple of hundred or https://homes.yahoo.com/ more spaces, you can see that there can be a major cash flow component of this investment.

Labor for management and maintenance is usually quite cheap, as most parks trade off all or part of wages by providing an RV space with full hookups to their employees. Some people end up staying years in one spot as full time RV park employees making $8 to $12 per hour for working the gift shop, cleaning rest rooms, or doing site maintenance. Many are retired, and the free RV space is valuable to them, with the wages a bonus for a nicer lifestyle in a really great vacation area.

The next time you see an ad for an RV park for sale, you may want to check it out as an alternative to conventional real estate investment.

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