Multi Business

A few decades ago, a car was considered a luxury only the rich could afford. But as the Automobile companies prospered and expanded their production and reach, the Cars became cheaper and easier to acquire. Many Auto Companies, Banks, and private companies too came forward to provide Car Loans to people who still could not afford to buy Cars with a full payment for the purchase price. Auto financing was also useful in enticing people working on a fixed salary, or those who were hesitant in investing a big sum in purchasing an Automobile. People also bought cars to maintain/enhance their status in society, even if it meant opting for a Car Loan to buy a Car. In the last decade or two, a car or even two or more cars for a family has become more of a necessity, rather than a status symbol.

In this case opting for a Car Loan is not a bad idea if you really need the Car to make life easier for you and your family and it is really useful in solving day-to-day problems of traveling. You can either decide to buy a new or second hand car depending on your requirement and financial status. When you do decide to buy a car with Auto financing, just do not rush off and select the first option that presents itself. Analyze the Car Loans market and the different offers made by the Auto Company, Banks, and Private companies for Auto Loans, and decide on the best option according to your paying capacity and finances. Auto Financing is beneficial for the buyer (You), the seller (the Auto Company), and the financier (Auto Company, Bank, private finance company). But as in any business deal. everybody wants the best deal and the most benefit for themselves. Therefore, when you do opt for an Auto Loan, weigh the Pros and Cons, the advantages, disadvantages, savings, interest charged, down payment required, terms of financing, the period of loan, etc.

You should also calculate how much you will have to pay on a monthly/quarterly/yearly basis for financing the Car and whether you will be able to manage the payments comfortably. If you have already bought a car on Auto Finance and your Credit rating with the financing company is good, getting a Car Loan for a second car becomes easier. But if you have defaulted on your Auto Loans, your Car Finance Company may reject your loan application for another Car. This is called Bad Credit in the industry. But you do not have to be dejected and think that you will never be able to get another Car Loan. There are Private Car Finance and Auto Loan Companies that do provide a Second chance at Auto Loans, in spite of a Bad Credit rating. Whether you need First time Auto Financing or a second chance at a Car Loan in spite of Bad Credit, you should investigate all the options and avenues available and opt for the best in the market, while also looking at your financial abilities to pay back the loan.

Online reviews on automotive dealer’s website are valued features and play a key role in influencing the customer’s automotive buying decision. Online reviews are sought after by customers using Internet at every stage of car buying process, as they offer existing customer experiences on vehicle models, services, policies etc of particular automotive dealers. It is important to include online reviews and testimonials in dealer websites as they help in retaining the existing customers and builds initial trust among potential customers. It helps to increase sales as prospective customers prefer to deal with dealers they can trust.

Positive Impacts:
Online reviews positively impact the dealership sales by increasing the confidence among both existing and potential customers.

Credibility
Potential customers perceive online reviews as authentic, genuine opinions from other customers and feel that they are receiving accurate information. They provide an effective way for dealers to communicate with customers. A good number of positive reviews on dealer website mentioning satisfactory experiences of customers are likely to instill confidence among potential customers. The potential customer can feel more comfortable and satisfied when reading a comprehensive evaluation of the dealer from a large number of customers. Even, the way dealers handle negative reviews by customers by quickly and efficiently resolving problems increases the trustworthiness of the dealers. It is likely that such unhappy customers will revert back to the same dealer.

Included In Consideration Set
The customers usually have a pre-defined set of vehicles that they prefer to buy. The automotive dealers in order to increase their sales needs to persuade the customers to alter their consideration set. The customer generated content like vehicle ratings and reviews, consumer ratings and reviews, dealer ratings and reviews can be effectively used by automotive dealers to alter the consideration set of these automotive internet users. The information given through dealer ratings and reviews can effectively target the new-vehicle buying customer segment. The reviews enhance dealer consideration among customers as both positive and negative reviews increases awareness level of the particular dealer. Also, positive reviews improve the attitude of customers towards dealers. Thus, expanding the consideration set helps to increase automotive dealership sales.

Reassurance
The online reviews and testimonials at automotive dealer website provide reassurance to the new customers that the dealer stands for professionalism, quality, credibility, and security. Reviews by previous customers reassure the potential customers that it is safe to deal with this dealer and there is commitment to customer’s privacy. Providing reviews on dealership website also increases conversion rates as it increases trust and confidence among first time visitors. Thus, existing and new customers will confide upon the dealership that helps to increase sales.

Negative Impacts If Not Monitored:
The negative online reviews can have impact on the attitude of customers towards automotive dealers.

Left Out From Consideration Set
Online reviews influence the purchasing decisions of automotive internet users. Also, they are checked while researching for a particular car on the Internet. Thus, ignoring or not monitoring the online reviews means failing to effectively target the large segment of automotive internet users and getting left out from user’s consideration. Poor online reviews and testimonials can fail to persuade, build confidence and trust among first time visitors and lose out on important prospective customers.

Needs More Time To Convince The Buyer
Online reviews and testimonials indicate the satisfaction of other customers due to better services and quality offered by dealer. Potential customers reading improperly monitored reviews are likely to view the dealer as less reliable and not trustable. Thus, the dealers may have to put in more efforts and time to convince the customers.

As online reviews are like online conversations between customers, automotive dealers need to actively get involved in them that can result in sales growth. The automotive dealers can leverage online reviews and testimonials by existing customers to generate new customers by efficiently targeting them at each step of car buying process.

We live in an information overloaded society, yet we actually know so little. While I was reading this book I took a straw poll of some people I know, and 100% of them had no idea who the Colwell brothers, or Herb Allen are. So much information, yet so little knowledge is a real problem in today’s world. The three cowboy brothers and Herb, probably did more for world peace, or at least peaceful co-existence than any President, or any government organization has ever done. Frank McGee has produced a great book that chronicles the story of these eclectic individuals. Even better the book is peppered with photographs of the actual people and events.

The story starts right after WWII, the Colwell’s are in their teens, and have a true skill in the entertainment world, initially self taught, they make their mark on the radio landscape, appearing in the Tex Williams weekly show. Invited to ‘tour’ overseas for one month the young brothers can not resist, and against their parents better judgment they set off on their adventure. It was almost a decade before they returned to the US. As part of MRA (Moral Re-Armament) and later Up With People they joined in the youthful mission to try and make the planet a better place. As the saying goes, ‘They boldly went where no man has gone before’. If there was conflict, you can guarantee that the Colwell brothers were not far away, acting as ambassadors of peace.

A Song For The World is a great and heartfelt work, Frank McGee has certainly done his homework, he follows the Colwell’s and Allen across the planet. From India, Africa, China, Russia, and just about every other country you can think of, we vicariously watch these kids grow into men, and subsequently fathers. Very late in the book McGee talks about how they became married men, and I have to admit it is a pretty strange tale. As nomadic minstrels they had little opportunity to go through the conventional courtship rituals. Instead they married first and dated later! While this sounds bizarre, the formula obviously worked for them.

There are very few musicians that have the bragging rights that these guys have, they have played for Kings and Queens, Emperors and Empresses, they have entertained millions of people, and yet never had a top 10 hit! This is a fascinating read and reveals a side of humanity that today is sadly in short supply, happiness, caring, and above all giving. We can learn much from the selfless actions of the Colwell brothers and Herb Allen.

Running a business can be one of the most rewarding and satisfying ventures one can partake in life. However, running a business can also be an extremely demanding, and at times, stressful career move. Luckily there are a wide range of business services that can help to take some of the weight off of your shoulders and allow you to focus on the core elements of your business.

The first service is chartered accountancy. A huge part of your business is going to be dealing with the financial aspects of its day to day operations. Many feel employing the services of an accountant to be a bit of a waste of money. This is usually because they have some understanding of what is needed and required and feel that they will be more than capable of keeping on top of all their accounts and book keeping. Although this may be fine for small businesses or start ups, as a business grows, so does the amount of accountancy work. Another point to make is that hiring an accountant is not as expensive as many would be lead to believe. So for a small yearly fee, you could rest assured that your accounts are being professionally managed, allowing you to focus on your business.

Another popular service is outsourced sales and lead generation. Today, more than ever, businesses are outsourcing their lead generation and sales tasks; so that they can focus their in house teams efforts on the key aspects of the business. Outsourcing is beneficial in many ways and can have a huge impact on the growth and success of a business. When you outsource a service such as lead generation and sales, you are acquiring the service of a highly skilled and dedicated team who are specifically trained to excel in sales and lead generation. This means that less time is spent training staff in-house, allowing that management time to be set to more important, core aspects of your business. Another huge benefit of this outsourced service is the quality and quantity of the leads and sales that you will receive. By allowing highly trained, professionals deal with these parts of your business; you will be rewarded with more relevant leads, and a larger volume of sales.

Finally we have Records Management. Although not a service that will improve sales or leads, records management will improve the organisation and efficiency of your business. Records management or Document Storage as it is often referred to, is when your business documents and media is stored in an external storage facility. This will free up a lot of office space and lead to a more organised and efficient way of operating your business. A good Records Management facility will allow you to quickly and efficiently access any of your stored documents at any point. These facilities are kept at optimum temperatures and are closely guarded, meaning your documents will be safe and in perfect condition should you require them.

These are just three of the many services that could improve and enhance your business. By employing one or a few of these business services you could find yourself with more time to focus on the core aspects of your business, leading to a more successful business for you and your staff.

Survival China Travel Tips and Tricks

These China Travel Tips, Survival Techniques, will help you get around and make your trip to China easier, so you will be able to experience the real China with a little less stress.

China is an odd beast that needs to be respected; the major cities, Beijing, Shanghai, and Xian, all have their own personalities.

Some complex situations that you think would be an organizational disaster turn out to be great and you wonder afterward what all the fuss and worry was about. Then the simplest of tasks can turn out to be a major calamity.

This is when you have what we call here a “China day”.

These days come and go and are part of the experience of everyday travel in China. One needs to have an open mind when travelling China. It is a place with thousands of years of history and culture that is trying overnight to adapt to Western ways of living.

You need to have a very open mind when you Travel in China.
I have listed below a few China Travel Tips that will make life that wee bit more bearable on your Travel China experience.

China Travel Tips – Be Toilet Wise

o Never expect a clean toilet 100% of the time.

o Be prepared; Carry some tissue.

o You may have to use a squat toilet, again if you know this before hand it is not a shock. If you don’t know how to use a squat toilet, try the following experiment at home.

While holding onto something for support with both hands, lower your body down into a low squat position, so that the cheeks of your bottom is almost touching your heels or the back of your calf. Now, let go with your hands. See if you stay in this position for at least 1 minute. If you fall backwards or you cannot get up, then a squat toilet could be a problem for you! Practice, you will be happy you did.

o If you see a clean toilet, Go… it may not come again for a while.

o There are many public toilets around the cities, usually the ones you pay for are OK, (RMB .5), the others best to stay away from if you can. You will soon notice them as you walk around the cities.

o Be warned that public areas like bus and train stations are usually what I class as “tough toilets”, however if gotta go you gotta go.

o Outside of the major cities, the toilet systems are old or have very narrow plumbing /pipes and get blocked easily. In these cases a small basket is usually beside the toilet, this is for your used toilet paper.

One of the best China Travel toilet Tips I can give you, is use hotel lobby toilets; these are everywhere and are always clean. Still they may not always have toilet paper. It depends on the class of hotel that you are using.

I do not wish to scare you. However, of all the China Travel Tips in all the other web sites I have read, this is a topic not often mentioned, but it is very important to us all.

So outside of the major cities conditions can be tough. But most of the time everything will be fine, especially if you book a tour; everything will have been checked out before hand. However even the best laid plans can go wrong, so be prepared, the toilets in the smaller cities, towns and villages can be scary.

China Travel Tips – The Food

o The food is great and the variety is overwhelming. Most of the time you get to choose what you eat, or you can recognize what you’re eating, however sometimes you do not get a choice. Carry a chocolate bar or something; this will keep you going until some food that you can recognize turns up. Drink bottled or boiled water, as the tap water is NOT safe to drink, this is for the whole of China. Even boiled water, while sterilised can contain a lot of minerals and iron deposits that you probably do not want in your system. The safest bet is to drink bottle water. Tap water in most big cities is OK for brushing teeth.

o Eating habits – Most Chinese people have a great habit of being very noisy when they eat and lunch and dinner times can be a wonderfully noisy celebration, food tends to go in all directions, its just part of being in China.

o People also smoke at the table while everyone is eating, so some restaurants get very loud and smoky.

o If you get stuck what to order as most of the menu’s are in Chinese just look at the table next to you and point to the dish you fancy and ask how much it is, this system works really well and know seems to mind.

o I have a basic menu that will help you order safe food, (no Cats or Dog) this will enable you to visit a larger selection of restaurants, not just the tourist ones with high prices. You can carry it with you and use it in the local restaurants where most will be able to serve what is on it. This way you will know what you are eating.

These local places are very cheap and the food it great. Contact me if you would like me to send it to you.

China Travel Tips – Taxis

o China Travel Tips- Taxis – Taxis are an experience that can have you griping the seat and gasping for breath; however you soon get used to it, after the first few rides, you’re an old hand.

o The taxis in Shanghai are, overall, quite good. Try to get the Blue, Blue’ish Turquoise, Gold and White taxis, these are the best… these are the four major taxi companies and are generally recognised by their single colour paintwork. The others are OK, just older and a rougher ride (the others also may have faulty metres). No drivers will speak English.

o Carry your hotel or accommodation business card with you, written in Chinese, this helps if you get lost walking around town.

o In all the taxis around the country you will see the drivers name and taxi registration number in plain sight. If you have any problem, or if you think you have been over charged etc, just take this number down, make a big fuss about it, and the driver then should wake up and fix whatever problem you have. Even better is to take the receipt. This has all the trip details on it and you can ring the taxi company if you want to take things further or if you’ve left something in the taxi.

o The government takes rip-off drivers in all cities, Beijing and Xian especially, very seriously and if you complain they will lose their license. This is their livelihood. So far I have had not one driver in 3 years that has not backed down and we have then agreed a price for the trip or solved our problem.

o In Shanghai, it is common practice for taxi fare increases after 11pm. However, one can usually bargain for a 20% discount, which will get the fare back to the pre-11pm rate.
Be strong with the taxi drivers, never-the-less, keep your cool, smile and negotiate.

China Travel Tips – Shopping

o China Travel Tips – Shopping – China is a shopper’s paradise, Markets, Bargains; Top labels… anything and everything if you have the time. With clothes, the larger (Western) sizes can be quite hard to find, however in the major cities where you get a lot of tourist traffic, you can find them.

o Electrical gear, DVD’s, Cameras, stuff like this is not worth buying in China, Hong Kong is still the best place for this.

o Store hours in the major cities are from 10am to 10pm, 7 days a week.

o Visa card is still the best card to carry, with ATM’s in good supply all with PLUS access etc.
There is usually a surcharge for use of VISA, MasterCard or other forms of credit card.

o Wait on purchasing if you can, look around to get a feel for the prices. The Chinese are VERY experienced at selling and know that we halve the opening price when bargaining.
In the markets go for 25% of what they first ask; go so low that they let you walk away. This will give you an idea of the bottom price. The resulting end-price will probably be around 40% to 50% of where they started.

Whatever the market people say, they are used to pushing and haggling for best prices. Do not worry about being too hard, they are used to it and will not sell you an item unless they make a profit. Don’t be concerned with the apparently hurt body language when you go low – it is all part of the game. As soon as they have wrapped up your first purchase, they will try to sell you something more. Remember to keep smiling and having fun while bargaining.

China Travel Tips – Medical Treatment and Records

o Most hotels will have a doctor that you can see. In the major hotels English will be spoken.

o Always take a small first aid kit, cold remedy, headache tablets at the very least. WATSONS is a very large chain chemist. Most of the remedies, tablets etc, that you may require should be in these shops. These shops are all over China.

o There is a great network of pharmacy type shops; these are indicated by a Green Cross. There will always be a 24 hr Green Cross pharmacy in the city you are in. It is handy to carry a Phase book, as no one will speak English, however you will end up with something that will help.

o INPORTANT POINT – for most of the mass produced packet type medicines, the packaging will be written in Chinese on one side, English on the other. However in the shops you only see the Chinese side. Have a good look, turn the packs over, it gives you a lot more confidence knowing you can read the package.

o If you have a specific medical issue, take records, most of the Doctors will have OK written / reading English, even though their oral English will be poor.

China Travel Tips – Telephone

o Using the phone is as easy as at home. However the person picking it up will not speak English or have very broken English… the Major 4- or 5-Star Hotels will all be OK.

o What is worth doing is buying a Chinese Telecom SIM card, they are about RMB100 and with this you get RMB50 in calls, the other 50 is for the price of the SIM card; this SIM card will go into all major brand phones and work OK.

By doing this, people can reach you within and out of China if there is an emergency. If you have a couple of phones, you can short (txt) message each other (SMS). Also you are able to call your tourist guide, hotel etc if you have any major problems. It is a cheap way to keep in touch.

NB.Before you buy a Chinese SIM card, check that it will work in your Cell / Mobile phone. There are plenty of China Telecom shops that can help.

China Travel Tips on when NOT to move around China.

o Spring Festival, this would be the Chinese New Year time, around the end of January / Early February

o Early May; Labour day Holidays

o Early October; National Day Holidays

Of all the China Travel Tips National Day is the biggest one. Millions of Chinese travel at these holiday times of the year. Most are travelling back to home towns or visiting family. Hotels, trains, planes, cars, buses, and roads are all crowded to the maximum. Major congestion, everywhere.

Also travel fares are at their full price. No discounts are offered!
Stay in one place and enjoy where you are. It’s best and causes fewer hassles.

China Travel Tips – TV

o If you want to watch TV, most of the major hotels will have cable and if you are in the smaller places, the national channel, CCTV9 is in English. Over the last couple of years it has got a lot better, with some great China Travel Tips programs, news and views on people and places around China.

China Travel Tips – Airport Tax

o There is a “construction fee” at almost all airports.

Domestic flights RMB 50
International flights RMB 90 – which is to be paid in local currency.

Just recently, tickets are being tissued with the Construction Tax included; however make sure you have the Tax money with you just to make sure.

I hope some of these China Travel Tips will come in handy and will make your trip to China that little bit easier.

If you have been to China and wish to share your China Travel Tips, please feel free to contact me anytime.

A lot of folks only wish they could reduce what they pay as health and life insurance premiums. Thankfully, there are ways that would help anybody get lower rates. I’ll share a few ways in this article.

Like every other insurance policy, your rates are determined based on several factors. Every uses them to decide what you’ll pay based on the perceived risk in insuring you as shown by those factors. The following things make you a life insurance risk to an insurer thereby increasing your rates.

If you’ve smoked in the last 12 months you’ll pay more. If you still smoke till date or use any tobacco product, prepare to pay much more. I won’t be giving you any new information if I tell you that smoking is the direct cause of many diseases and makes others flourish.

Smoking is a habit that could be broken if you really mean it. People have succeeded in the past and so can you too. You only need to check groups out there that are committed to helping smokers quit smoking and you’ll get all the help you need. You’ll be doing yourself a lot of favor by reducing the chances that you’ll be a victim of certain killer diseases that are facilitated by smoking and/or tobacco use. And, yes, you’ll get lower life insurance rates.

Sports like skydiving, car racing and other dangerous sports make you a very high risk. Anything that makes you a high risk increases your life insurance rates. You have a choice between getting lower rates and indulging in such sports. If you want my candid opinion: I do think there are safe ways to get the rush (Go on a crazy ride in an amusement park, for example).

Occupations that expose you to great risks increase your risks accordingly. Changing to a safe profession will lower your life insurance rates.

While you do these other things to lower your rates, here’s what to do to get lower rates now. Visit reputable quotes sites that cover life insurance and get quotes. Visit at least three of such sites for the best results. It’s free, quick and easy.

Make sure you give your correct details as you fill the questionnaires presented. The last step is to simply pick the best price/value from the quotes return.

Explore Paros beaches, sites and attractions.

The Port of Paros is in Parikia (the capital) which is situated on the western part of the island. Parikia is a well-developed tourism infrastructure town offering lots of accommodation units, beaches and archaeological sites to visit.

There are also daily flights from Athens to Paros (4 flights per day – 45 minutes flight), with Olympic Air.

Paros is the third in size island in Cyclades, after Andros and Naxos, with a total area of 195 sq. km and 120 kilometers of shore and beautiful sandy beaches. Apart Parikia which is the commercial center of the island, the most beautiful village in Paros is Naoussa, which is much more picturesque and has a lot of beaches and attractions to offer. The center point of interest is around the small fishing harbour of Naoussa where are situated some of the best restaurants, fish taverns, cafés and bars of the island. Near Naoussa are some of the best beaches of Paros, awarded with the “blue flag” sign.

In this article we will talk about things to do in Naoussa Paros during the day.
Get up early in the morning, have a rich breakfast at your hotel and get ready to discover the beauties of places around Naoussa. If you prefer to have your breakfast in Naoussa, go to the Café Santé, situated in the heart of the village. It is one of the most popular meeting points in Naoussa, serving all kind of coffees and delicious omelets.

After that, rent a scooter (or hire a taxi or a boat) and drive to some of the best nearby beaches. Start your beach tour from Kolimbithres beach which is situated in the bay, just opposite of Naoussa village. Due to impressive huge sculpture-like rock formations that divide the whole beach into little coves of sandy beaches, Kolimbithres is one of the most popular beaches near Naoussa. Some of these small beaches offer umbrellas and sun loungers for hire and some water sport facilities as well. Another small sandy beach, pretty close to Kolimbithres, is Monastiri (or Agios Ioannis beach). It’s a very well-organized beach, with crystal clear waters, sea sport facilities and seafront fish taverns to enjoy your lunch with delicious tastes.

For snorkeling and windsurfing lovers, it’s suggested to go to Santa Maria beach, situated east of Naoussa at a distance of 5 km, facing Naxos island. This is a fully organized beach with sun loungers, umbrellas, sea sport centers and beach bars with nice music.

In the afternoon you may visit some churches, such as Kimisis tis Theotokou (the Church of the Assumption of the Virgin) which is the main church of Naoussa, located on the highest spot of the hill, the church of San Nicolas and the Monastery of Logovarda which is located 4 km from Naoussa on the way to Parikia. Logovarda is a male monastery and it is forbidden for women.

If you are going to stay in Paros for more days, then it’s worthy to visit some of the most interesting sites in Parikia, such as the church of Panagia Ekatontapiliani (meaning Our Lady of the Hundreds Gates) which was constructed in the 4th century A.D. by Saint Constantine, the first Emperor of Constantinople (Istanbul) and is one of the best preserved Christian monuments in Greece, where you may visit the Byzantine Museum and admire a collection of rare icons, various religious relics and other christian items dating from the post-Byzantine period. In Parikia is also located the Archaeological Museum of Paros where you may see a huge collection of findings dating from the Bronze and Neolithic period.

And last, don’t miss to visit Antiparos island, a small picturesque islet, just 1 nautical mile southwest of Paros, where you will feel like in paradise. Antiparos is accessible by ferryboat from Paros port (Parikia) which is a 20 minutes trip and from Punda beach which is just 7 minutes trip.

Investors have long discussed, argued and debated whether single family homes or multi-units are better for your real estate investing portfolio.

There are advantages and disadvantages for each and I will briefly highlight some of these below.

Let’s start with single family homes.

Single family homes are typically easier to finance, easier to find long term tenants for and easier to sell.

They are easier to finance because you can go to just about any bank and get a non-owner occupant loan, often with very little down payment. (But note, at the time this is being written, May of 2008, lending requirements have gotten significantly stiffer.)

Single family homes are easier to find long term tenants for because many tenants prefer living in a detached home rather than sharing a wall and/or ceiling with multiple neighbors in a multiplex unit. Tenants also tend to stay longer because those who rent houses instead of apartments tend to have more stuff and they don’t like to move it as much.

Since you can sell your single family home either to another investor or to any family looking for a home, you have a very large market for liquidating your property.

Another advantage of single family homes is that there are lots of them. However, single family homes tend to cost more per unit and they are harder to justify an income approach to pricing.

If you looked at a cost per rental unit, single family homes tend to be much higher than the cost per unit of similar (in terms of bed/bath) multi-units.

Since single family homes are primarily built for and sold to owner occupants, they are not priced based on the amount of income that they will produce. Sellers tend to rely on appraisals to value their houses and not on the amount of rent their house can generate.

Now, let’s look at multi-units.

Multi-units are different (not worse) to finance and tend to have better cash flow since the cost per unit is usually lower than similar single family homes.

Multiplexes with more than four units usually don’t qualify for residential financing and require a commercial loan, which is a significantly different process than financing single family homes.

This can be an advantage or a disadvantage depending on your specific situation. It usually requires a larger down payment, but your personal credit score is less important.

Since the cost per unit is lower, you can usually realize better cash flow from the property when looked at on a per month basis compared to single family homes.

Since the number of people looking to buy multi-units is smaller than those looking to buy single family homes, you may be able to negotiate a better deal when buying, but it also may mean you need to give a better deal when selling. This may be a contributing factor to why the cost per unit is lower than similar single family homes.

Personally, I prefer single family homes, but I believe that multi-units have their place in the right portfolio.
Single Family Homes Versus Multi-Units – The Great Real Estate Investor Debate

Investors have long discussed, argued and debated whether single family homes or multi-units are better for your real estate investing portfolio.

There are advantages and disadvantages for each and I will briefly highlight some of these below.

Let’s start with single family homes.

Single family homes are typically easier to finance, easier to find long term tenants for and easier to sell.

They are easier to finance because you can go to just about any bank and get a non-owner occupant loan, often with very little down payment. (But note, at the time this is being written, May of 2008, lending requirements have gotten significantly stiffer.)

Single family homes are easier to find long term tenants for because many tenants prefer living in a detached home rather than sharing a wall and/or ceiling with multiple neighbors in a multiplex unit. Tenants also tend to stay longer because those who rent houses instead of apartments tend to have more stuff and they don’t like to move it as much.

Since you can sell your single family home either to another investor or to any family looking for a home, you have a very large market for liquidating your property.

Another advantage of single family homes is that there are lots of them. However, single family homes tend to cost more per unit and they are harder to justify an income approach to pricing.

If you looked at a cost per rental unit, single family homes tend to be much higher than the cost per unit of similar (in terms of bed/bath) multi-units.

Since single family homes are primarily built for and sold to owner occupants, they are not priced based on the amount of income that they will produce. Sellers tend to rely on appraisals to value their houses and not on the amount of rent their house can generate.

Now, let’s look at multi-units.

Multi-units are different (not worse) to finance and tend to have better cash flow since the cost per unit is usually lower than similar single family homes.

Multiplexes with more than four units usually don’t qualify for residential financing and require a commercial loan, which is a significantly different process than financing single family homes.

This can be an advantage or a disadvantage depending on your specific situation. It usually requires a larger down payment, but your personal credit score is less important.

Since the cost per unit is lower, you can usually realize better cash flow from the property when looked at on a per month basis compared to single family homes.

Since the number of people looking to buy multi-units is smaller than those looking to buy single family homes, you may be able to negotiate a better deal when buying, but it also may mean you need to give a better deal when selling. This may be a contributing factor to why the cost per unit is lower than similar single family homes.

Personally, I prefer single family homes, but I believe that multi-units have their place in the right portfolio.

Owning and running your own small business is a great thing to do, but it is not always easy. If you want to have success with your small business, there are some ways to do it, though. Here are some small business tips to maximize your profits and minimize your headache, even early on with the business.

The first of the small business tips that you need to remember is that in the early time of the business, you want to keep your profits as high as possible. This is not always an easy thing to do because often, especially when your business has first opened, your customers are pretty low, and therefore your money is pretty low. In order to make this happen, keep your spending as low as you can. Avoid buying anything that is unnecessary in order to keep all the money that you can.

Another of the great small business tips that you can use is about advertising. If you want to get customers, which are necessary for the success of many businesses, you will have to advertise in order to get them. Advertising is something that you should always make room for in your budget. Of course, finding the most affordable methods of advertising early on will make quite a bit of difference. It may take more work, though.

If you want to start your own small business, the market for a business is something you should consider. If there is no market for your business, you will not have any success with it. So, make sure that the people in your area will want to purchase the products or services that you will offer them. This is a very important part of having any sort of success with a business – possibly the most important in some cases, because it can often determine the success or failure of a business.

Another of the great business tips that you can use is to always take advantage of the Internet. Even if your business is not one that would benefit in any way from a website, it is a great idea to advertise on the Internet. This can greatly expand your ability to get customers. And what’s even better – Internet advertising is far more affordable than many local newspapers. This is advantageous for additional advertising at a great price, which is especially great for young businesses that don’t have a lot of money to spend on advertising.

If you have a successful small business, then you will experience all of the great advantages of it. But, you have to have a successful small business in order for that to happen. These small business tips will help you make your business more successful so that you will actually make money. Keep all of these in mind when you buy a business or when you start one of your own. They will be helpful in both cases to get your business established and help you actually make money.

How many times a week do you wake up and just hate the way your hair looks? Is your hair too frizzy, too dry? Is it too thick, too thin? Do you have a unappealing hair cut? Do you ever get compliments on the way your hair looks?

Don’t despair, because there is hope for your hair style. The options for changing or fixing your hair are many and whether you are willing to spend thousands of dollars or just a few dollars, there is something that you can do.

Some of the major hair problems are Damaged Hair, Frizzy Hair, Thinning Hair and Unflattering Hair Styles. There are quick, inexpensive fixes. See below for complete details:

Damaged Hair:

The easy fix for damaged hair is deep conditioning treatments. Ask your hair stylist for the best product for your hair, or take a trip down the hair products aisle at your local drugstore. If your hair is extremely damaged, you may want to start with a once weekly deep conditioning treatment. Wash your hair normal in the shower and towel dry. Apply the deep conditioner all over the hair and wrap the hair with plastic. The plastic helps to keep heat in and make your conditioner go to work. Leave the conditioner on for about 30 minutes.

Also, try to give your hair a rest from heat appliances such as curling irons and blow dryers, as well as chemical processing.

Frizzy Hair:

It seems that as you get older, your hair tends to get frizzier. The weather and humidity never help. The easy fix for frizzy hair is to use lots of conditioner every time you shampoo, and follow with a serum or balm that contains silicone. Some products work better than others and it may take some experimenting to find just the right product for your hair. Although flat ironing your hair can zap away the frizzies in just a few minutes, you should limit using the flat iron since you might be adding to the frizzy problem in the long run with repeated use of the iron.

Thinning Hair:

As more and more women are experiencing thinning hair, the hair products industry is developing more and more products to help with this issue. If you have serious thinning, you may want to visit a dermatologist for more treatment options. Find a good daily vitamin to take that is designed for hair and skin issues. Many of the hair loss products companies, like Nioxin sell a daily vitamin that is supposed to support hair growth.

Hair extensions offer a temporary solution to camouflage the thinning hair, but you must be very cautious about the type and method used as hair extensions have been known to cause even more thinning issues if not done properly.

Unflattering Hair Styles

If you are not happy with your hair style, then you may want to start over by evaluation your face shape. The shape of the face can really make or break a hair style. Knowing what you should have or shouldn’t have in a style can be crucial to the outcome. With the invention of hair style imaging software, you can do a little research before you get your hair cut. Some programs even allow for you to try on a hair style by uploading a picture of yourself. This software even works for checking out a color change.

In short, if you want to do something about your current hair style and feel lost, then you should know that there is hope out there and you could make just a small change to update your hair and grow to love it.