Multi Business

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.

Best honeymoon destinations in India

India is very well known for its diversity. In fact it is one of the top honeymoon destinations in the world. Best honeymoon destinations in India present the tourist attractions right from beach state of Goa to beautiful hill station of Kashmir to the back waters of Kerala. Best honeymoon destinations in India are Hill stations like Mussoorie, Dalhousie, Darjeeling, Ooty, Kodaikanal, Srinagar, Shimla, Nanital, Manali, Mount Abu, Gangtok and many more The other best honeymoon destinations in India are beaches like Andaman & Nicobar, Kerala and Andra Pradesh which provides you with picturesque beaches and many more. If you are looking for a best honeymoon destination then India is the place where you should visit and explore it.

Package Tours from Bangalore

Bangalore is known as the Silicon city of India. It is one of the cosmopolitan cities of India. Package tours from Bangalore offers you to visit places like Bandipur national park, Bannerghatta nature camp, Bhadra, Bheemeshwari, B.R hills, Cavery fishing camp, Coorg, Chikmagalur, Coorg, Kemmanagundi, Kudremukh, Mysore and many more. Package tours from Bangalore offer holiday packages, tailor made tours suiting to all categories in India on very competitive prices. So in case you want a break from the hectic city life then Bangalore packages offer you with various gateways to treat you and your family.

Tours and Travels

India was regarded as the “Jewel in the crown” of the British Empire. To spend your vacations in India there are numerous tours and travels. These tours and travel help to plan your journey and itinerary as per your requirement and need. They are very cost effective and can design or tailor make your trip as per your requirement and desire. They companies of all categories of packages starting from economy class to lavish category. These tours and travel plan your journey and make your journey hassle free. They have many efficient operators who work day and night to plan your trip and full fill all your needs. They provide you with alluring range of exotic global tours and elegant value added services. These tours and travel are well connected, broadly experienced and globally renowned. So book your vacation now with India tours and travel and enjoy a wonder vacation with your family and friends and create memories of lifetime.

New age office technology features computer accessories which have revolutionized the way we work with computers. Businessmen and corporate enterprises have found that owning a laptop or a desktop computer alone wouldn’t suffice. There are a lot of complementary components that need to go along with them to establish a full-fledged working environment.

Computer accessories aid in getting better results. They have specific purposes and benefits. Take for instance a situation where you find it difficult to view your laptop screen; you can always opt for a laptop raiser to adjust its height to your specific needs. This eliminates the constant need for bending and helps you maintain a proper posture, thereby avoiding back related ailments. Similarly, a notebook arm lets you adjust the positioning of the laptop for easy handling. This is best suited for labs and offices where there is space constraint and people are constantly on the move.

Advanced office technology solutions include the latest computer accessories, which have made the experience of working more pleasurable. Unlike earlier, when stress was a major factor affecting efficiency, today we have comfortable, anti-stress components that ease computer usage. These include gel based wrist-rest (keyboard) and mouse pads which help reduce pressure from long duration typing and handling of the mouse.

Computer monitor accessories are among the most sought after office technology solutions. Monitors emit harmful radiation and the constant glare affects our eyes. The use of anti-glare radiation filters on the monitor helps computer workaholics attain relief from headaches and watery eyes.

For corporates and big businesses, computer network accessories are definitely a boon. It is convenient to establish a computer network with the right accessories than having to run about for one thing or the other.

In an effort to ensure state-of-the-art office technology, manufacturers introduce innovative computer accessories on a regular basis. You can find cleaning kits for printers and monitors, CD/DVD lens cleansers, toolkit, computer stands and a lot more. There are many discount computer accessories stores which offer competitive pricing.

Are you in the mood for some delicious cold appetizer recipe ideas? If you are, you are in luck, because we love eating great tasting foods and we have some great ideas to share with you. Whether you are meal planning to feed a hungry crew at home or you need to prepare a fast and easy recipe to take to a holiday party, you want to make something so good that no one can get enough of it. You actually want to create the best tasting and flavorful dish you can.

Easy Party Appetizers for Your Next BBQ Grilling Party

Do you realize that some of the most delicious of appetizers are most welcome in any setting? Whether you are having a small family barbeque grilling party or you are planning the menu for your wedding, you want to serve foods and beverages that are unforgettable. Serving a dish that everyone likes is special, and you will know just how special as you watch people return for more or ask you how to make it.

Recipe for Creamy Onion Artichoke Dip

What You Need

 

  • ½ package soften cream cheese 4 ounce
  • 1 large container onion dip 15.5 ounce
  • 1 large container drained chopped artichoke hearts 15.5 ounce
  • 1 Tablespoon fresh chopped parsley
  • 1/3 cup diced scallions
  • ½ cup grated parmesan cheese
  • ½ teaspoon garlic powder
  • ¼ teaspoon pepper
  • ¼ cups diced bell pepper
  • 1/8 teaspoon paprika
  • 1 pound round bread
  • Assorted fresh cut vegetables
  • Assorted crackers

 

How to Make It

Allow the cream cheese to soften to room temperature by setting it out on the counter for at least 20 minutes before preparation time. Reserve 1 tablespoon of the diced scallions for garnish.

Using a large mixing bowl you will add the soften cream cheese and then beat until fluffy and smooth. Stir in the onion dip and then add the artichoke hearts. Mix to thoroughly combine.

Add the parsley, scallions, parmesan cheese, garlic powder, and pepper. Stir to combine ingredients completely and then place in the refrigerator until you are ready to serve.

Cut the top third of the bread horizontally off using a serrated knife. Cut along the inside edge of the bread and then remove the large pieces of bread you cut away. Trim the inside edge to about a ½ inch thickness, leaving the bread shell. Cut the large bread pieces into 1 inch bite size cubes and then reserve the bread cubes.

Spoon the creamy onion artichoke dip into the bread shell and then garnish with the 1 tablespoon of reserved scallions and the bell peppers before serving.

Alternately, you can make this dip and leave it in the bowl for dipping if you are not using round bread with this recipe. Choosing red, green or yellow bell peppers with add some color interest.

Serve to your party guests, family, and friends with plenty of fresh cut vegetables, assorted crackers and the reserved bread cubes. Another great idea is to prepare the bread cubes by brushing them with herbed butter and then toasting them in the oven.

Scientific works in the theories of finances and credit, according to the specification of the research object, are characterized to be many-sided and many-leveled.

The definition of totality of the economical relations formed in the process of formation, distribution and usage of finances, as money sources is widely spread. For example, in “the general theory of finances” there are two definitions of finances:

1) “…Finances reflect economical relations, formation of the funds of money sources, in the process of distribution and redistribution of national receipts according to the distribution and usage”. This definition is given relatively to the conditions of Capitalism, when cash-commodity relations gain universal character;

2) “Finances represent the formation of centralized ad decentralized money sources, economical relations relatively with the distribution and usage, which serve for fulfillment of the state functions and obligations and also provision of the conditions of the widened further production”. This definition is brought without showing the environment of its action. We share partly such explanation of finances and think expedient to make some specification.

First, finances overcome the bounds of distribution and redistribution service of the national income, though it is a basic foundation of finances. Also, formation and usage of the depreciation fund which is the part of financial domain, belongs not to the distribution and redistribution of the national income (of newly formed value during a year), but to the distribution of already developed value.

This latest first appears to be a part of value of main industrial funds, later it is moved to the cost price of a ready product (that is to the value too) and after its realization, and it is set the depression fund. Its source is taken into account before hand as a depression kind in the consistence of the ready products cost price.

Second, main goal of finances is much wider then “fulfillment of the state functions and obligations and provision of conditions for the widened further production”. Finances exist on the state level and also on the manufactures and branches’ level too, and in such conditions, when the most part of the manufactures are not state.

V. M. Rodionova has a different position about this subject: “real formation of the financial resources begins on the stage of distribution, when the value is realized and concrete economical forms of the realized value are separated from the consistence of the profit”. V. M. Rodionova makes an accent of finances, as distributing relations, when D. S. Moliakov underlines industrial foundation of finances. Though both of them give quite substantiate discussion of finances, as a system of formation, distribution and usage of the funds of money sources, that comes out of the following definition of the finances: “financial cash relations, which forms in the process of distribution and redistribution of the partial value of the national wealth and total social product, is related with the subjects of the economy and formation and usage of the state cash incomes and savings in the widened further production, in the material stimulation of the workers for satisfaction of the society social and other requests”.

In the manuals of the political economy we meet with the following definitions of finances:
“Finances of the socialistic state represent economical (cash) relations, with the help of which, in the way of planned distribution of the incomes and savings the funds of money sources of the state and socialistic manufactures are formed for guaranteeing the growth of the production, rising the material and cultural level of the people and for satisfying other general society requests”.
“The system of creation and usage of necessary funds of cash resources for guarantying socialistic widened further production represent exactly the finances of the socialistic society. And the totality of economical relations arisen between state, manufactures and organizations, branches, regions and separate citizen according to the movement of cash funds make financial relations”.
As we’ve seen, definitions of finances made by financiers and political economists do not differ greatly.
In every discussed position there are:

1) expression of essence and phenomenon in the definition of finances;

2) the definition of finances, as the system of the creation and usage of funds of cash sources on the level of phenomenon.

3) Distribution of finances as social product and the value of national income, definition of the distributions planned character, main goals of the economy and economical relations, for servicing of which it is used.

Hillbilly music, country, western music or country and western all refer to country music. This genre of music is diverse. Most modern country music artistes have developed their styles from earlier singers. Whether it is a classic or contemporary tune, for most who are new to country music it would be difficult to understand the different styles. A guide to country music offers comparisons that allow people to identify with inimitable performers. People may read guides to identify with the different instruments that are used to create the styles and rhythms. Since country music is a genre filled with many talented musicians, a number of guides offer details about upcoming artists. They are authentic and allow fans to understand and read about their idols.

People who aren’t terribly familiar with country music may need some help differentiating between the types of music. Guides offer information and help comprehend the varieties included. This includes pop country that is perfected by artistes like Shania Twain. Rebel or rock country music includes songs that are performed by free spirited singers. They are usually independent and use bold rhythms. Texas country has produced singers such as Robert Earl Keen and Pat Green. Old country music is considered to be slow whereas real old country included yodelling. This was the original folk derivation and continues to be popular.

Guides offer an insight into new developments, artists, functions and country music performances. Guides help provide information regarding country music legends and compare modern artistes. These guides discuss a singer’s drawbacks and unique talent. These guides may be written by enthusiasts or critics and may at times reflect only the writers point of view. It is easy to find a country music guide online or in magazines, journals and reviews.

Are you surprised? Next to the real estate and housing industry, the travel industry is said to be the second largest industry in the world.

Did you know that in the USA more money is spent on travel annually than on healthcare, more than on telecommunications, far more than on computers and surprisingly, even more than on food?

Travel is a 7 trillion dollar plus industry worldwide and is expected to continue to grow dramatically over the next two decades as members of the baby boom generation fulfill their number one goal: to travel more. Younger generations are becoming more adventurous as well. People worldwide, in developing nations and developed nations, desire to travel more as they are exposed to new worlds on the Internet and as their incomes continue to grow. We live in an increasingly smaller world.

And, as people earn more and more money in their home travel businesses, they receive many wonderful travel bonuses and get to travel a lot more.

There are currently a couple of home-based businesses in the field of travel and leisure that have become extremely popular within the past year. After carefully studying their business models, their compensation plans, their benefits and their reputations, you might want to select the best one and get started.

In fact, travel businesses have become very popular virtually worldwide. Besides in the USA, two reputable US-based home travel business have begun to explode in places like Canada, Australia, the UK, the EU, India, Malaysia, the Philippians, South Korea, Japan and of course China.

Now, the Top 10 Reasons to Get Into a Good Travel Business Right Now:

It is a huge industry with an eager worldwide market of over 2 billion people.
It is projected to grow dramatically worldwide in the next few years and in the decades ahead.
Good travel businesses are hot right now, in the USA and around the world – demand is very high.
With the right company, it can be a high-integrity business with quality products like cruises, trips and vacations that nearly everyone desires.
It offers exciting travel products and travel bonuses to exciting locations that can inspire, educate, broaden horizons, entertain and benefit people of all ages.
It is a business that allows you to help others worldwide who want help and to truly change their lives.
It is a simple, easy business that anyone can do with the proper training and support.
It is a home business that’s not time consuming and is really, really fun!
It can be extremely lucrative so you have more time and money to travel!
You can get started in a legitimate home travel business with realistic six-figure potential for under $350! That includes membership and a huge discount on a choice vacation or cruise package.

In short, a home business in the field of travel can be very exciting and profitable right now and in the years ahead.

One of the keys to success in any business is passion for the business and passion for the products and services that you market and consume. Some people market soaps or vitamins, and others market highly discounted luxury cruises, trips and 3 to 5 star vacations to exotic locations around the world. Travel is about exploration and fulfilling your dreams.

What excites you?

Home interior decorations is one all about making your house into a home. With colors, style, theme, furnishings and different decor elements a house gets its character. Starting with the living room right to the bathroom, home interior decorations looks into all the aspects of the house. The main goal for interior decoration of any room of the house is to give it an individual personality. Interior decor generally concentrates on finishes like wallpapers, wall paint, window coverings and furnishings. Along with it comes the balance of the various decoration items like wall hangings, showpieces etc. So let’s take a quick look for home interior decoration ideas for different rooms in a house.

Big Spacious Rooms

There are many ways to make a room look spacious and large. The first most important element is the room lighting. Go for soft and even lighting so that shadows don’t divide your room into smaller sections. Avoid putting ceiling lights as they make the ceiling look lower. By having a diffused and ambient lighting the room will look large. The next thing to keep in mind is the texture used in the room. Smooth surfaces tend to reflect more light as compared to heavy textured flooring. For interior decoration one can also use mirror and chrome as the reflection and shine give depth to a room. The wall colors of a room are also important in giving a spacious look to the room. Go for cream, beige, gray or cool pastels for walls. Also while selecting colors keep in mind that the ceiling should be in the lightest color in the room. The next thing comes the furniture. Place the furniture in a manner that it leaves adequate space to move around. Push the largest piece of furniture against the wall. Let the furniture color be similar to the wall and floor color of the room.

Cozy Rooms

Just like spacious rooms, cozy room interior decoration is also very much possible. Get the comfortable and settled in feeling as interior decoration creates an intimate space for you. Once more lighting will play an important role. There are many modern lighting trends that will help your room to look cozy and comfy. Avoid ceiling lights, instead lamps with down shades will help the room look compact. For room colors, go for strong wall and floor colors. This will create a feeling of closeness in your room interiors. Heavy soft textures are great for cozy room interiors. Try rough textures for the hard elements in the room. If you are trying to attract attention towards any particular piece of furniture then dark finishes and fabrics will surely tempt you to sink into that favorite sofa set. Use tall pieces for the room decor, as it creates a cozy world of intimacy.

Theme Room

A theme room is working on a particular idea and developing the home interior decoration accordingly. One can have the entire house decorated in one theme like contemporary home decor or Asian home decor or go room by room. Like the master bedroom can have a different theme, the teen room a trendy interior decor and so on. Once you have decided on the theme of the entire house or a particular room, select the decoration pieces for it.

Colors and Fabrics

In interior home decorations color and fabric are very important. When we say color, then it is not just wall colors. Select colors for fabrics, linen, pillows, curtains etc. complement it with the wall colors and give your room a vibrant look. The same concept applies to fabrics as well. Today there are so many different kinds of fabrics available. Select fabric that goes well with your room decor.

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