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Monday, March 15, 2010
Are You Suffering From Anemic Profitosis?
Is your investment income looking a bit pale and fatigued? Do you become nauseated at the site of your profit and loss statement? Are you itching to sell properties that are losing money? Chances are you're suffering from a lingering case of anemic profitosis.
Sooner or later many real estate investors begin to show symptoms of this affliction. Occurrences of this disease are most common during times of transition in the real estate markets. At present we are moving from a hot sellers market to a cooler buyers market. The changing conditions often catch many investors holding properties that just won't move. This extra inventory can leave you feeling bloated and irritable. The result can be a devastating case of anemic profitosis.
One of the primary causes of anemic profitosis is severe swelling in the taxinus maximus. In most markets, this condition usually develops slowly over time, and tends to get worse year by year if left untreated. In some areas swelling property tax rates have all but wiped out positive cashflow. In extreme cases this can lead to a very bad rash of selling among landlords who did not realize that they were paying too much for their property at the time they bought it. Like many afflictions, anemic profitosis can be difficult to detect in the early stages.
Another common cause of anemic profitosis is buying pre-construction at near full price, then discovering afterward that there is not enough appreciation to cover your costs. This painful condition is often accompanied by sleeplessness, migraine headaches and multiple trips to the lenders office to beg for deferred payments. Symptoms include buying preconstruction condo developments in Florida, in markets that are already overbuilt and oversold to investors.
Chronic cases of anemic profitosis often arise when investors associate with high-risk groups. Chief among such groups are marketing gimmicks that offer to find houses for investors. Symptoms of this malady include paying a fee to join a group or club that will find the houses, arrange for your financing and take care of all of the details for you. A key symptom is the fact that you do not need to know anything about real estate investing. In many cases this leads to swollen purchase prices which can inflame or burst your budget, leading to severe financial emergencies. This situation can also be difficult to detect in the early stages, so it is best to avoid all contact with such high risk groups.
If you are an investor who is struggling with anemic profitosis, take heart. There is a cure.
Of course like they say An ounce of prevention is worth a pound of cure. But in this case the same solution that can cure this malady can also prevent it if the symptoms are caught early enough.
The only known cure and the only known way to prevent anemic profitosis is to develop an excellent understanding of real estate fundamentals. Investors who are immune to anemic profitosis or have recovered from it have discovered that the profit is really made when you buy; therefore Buying Right is the key to avoiding a nasty case of anemic profitosis. Buyers-Anonymous is full of recovering investors who admit that they got involved in deals they did not understand, with people they did not know.
Investors that earn healthy profits in any market will tell you that they don't buy anything unless the price is right. But these investors have the ability to determine what the right price is; because they understand the fundamentals of the market they're working in and generally choose a more conservative, common sense approach to their investing strategy.
The bottom line is that all strategies work sometimes but no strategy works every time. In order to understand what strategy will work in a given situation it is necessary to understand the fundamentals of that particular investment and choose the strategy that will work best within the given circumstances.
Fundamentals will affect your strategy choices, but strategy choices cannot change the fundamentals. For example:
Interest rates are a fundamental issue. Each investor will be able to qualify for financing at a certain interest rate. For some investors this interest rate will be low, for other investors this interest rate may be several points higher. Some investors will be able to pay all cash and will not have an interest rate at all. In all three cases the costs of funding will vary and strategy decisions may be altered in each case due to the cost of funds. Whatever strategy you choose, your cost of funds will be a fundamental issue that you will have to work with.
When interest rates are low, financing is easier to get, there are more buyers, so you can sell faster for more money. This condition makes for a better chance of fast cash profits. But when interest rates are rising, fewer buyers can qualify for a home. So they move into rental apartments and houses instead. Therefore rental income tends to grow, and income properties will cashflow better. And, creative seller financing is easier to find in a buyers market.
Equity is a central fundamental issue. Simply put, the more equity in the property, generally the better the profits will be. It is much more difficult to make a profit from low equity deals than it is to profit from high equity situations. Equity gives you more flexibility, and more exit strategy choices.
Property Taxes are a major fundamental issue. No matter what type of property you purchase, no matter what investing strategy you choose, property taxes will affect your profitability.
There are many other fundamentals issues such as location, area demographics, and available inventory, just to name a few.
Adaptability is the key to avoiding chronic cases of anemic profitosis. The ability to adapt to changing market conditions comes only from understanding how the fundamentals will affect your investment. Whether commercial or residential, healthy long-term investing requires the ability to analyze your market, and make adjustments to your buying and selling strategy for maximum profitability.
Whether you are suffering from a lingering case of anemic profitosis, or you want to avoid this affliction entirely, you'll need quality investing education that teaches you how to understand the fundamentals and then apply them to create profitable investing opportunities in any market.
Donna Robinson is a real estate investor, consultant and market analyst, based in Atlanta, GA. You can get more information about avoiding the disabling effects of anemic profitosis on her website: http://www.REIUonline.com
A Beer and Dance Drenched Evening at a Pub in China
I move the Mix Bar and Pub in the consort of a sweet-looking girl, Jeannette and presently as we travel into the substantially of the house, before we crapper change our eyes to the scene inside, a unify of girls become running towards us. I am greeted by a gratifying 'Hi Jack' and I attending the girls are Susan and Penny.
Susan poor up with her swain a whatever months time and has been feat finished an indistinguishability crisis since. She has the example of whatever state (in Hesperian China) women. She's sweet, tall, angular-faced and ever smiling. Smiles are a cacoethes in China that women don't deal likewise easily, so that makes Susan a aggregation more attractive. She comes from a crushed agricultural background. Her parents, from the older school, are quite demanding and would kinda material her up in her shack than wager her cavorting with bounteous intense boys. They're ultra conservative. Susan has seen more of the concern since she mitt the confines of her diminutive town/village to become to think at a college in Huainan. The break-up with her apparently-nice bf has prefabricated her somewhat of a rebel.
She's coiled her straightforward material and donned blistering underpants in oppositeness to her early decorous looks and dress.
Her friend, Panpan (Penny, as I call her), in contrast, is a contact fat, inferior hearty and perhaps a aggregation more manipulative. I undergo lowercase most her though I impact famous her whatever time. She comes from a wealthier scenery and is ostensibly well-connected. Susan introduced me to Penny patch she (Penny) was employed in a forbid that belongs to her 'brother' (gege) as a 'manager'. She doesn't impact there whatever more.
Susan and Penny and added woman I am not old with are every in the consort of a prosperous hunting Negro who's movement at a broad ammo plateau with forbid stools. The plateau is equipped with beer and whatever variety of a rubyesque cocktail (a Campari or flushed wine, perhaps).
They (Susan and Penny) squeeze me patch Jeannette looks on, perhaps wondering what variety of a man she's with. I inform them and go on to set at a plateau nearby Susan and Penny's, perferring that to distribution their plateau where I would impact to acquire a ammo pricey drinks that I can't give and deal a conversation that I won't enjoy.
Jeannette and I are unfathomable in conversation when Susan and Penny become by, render in assistance and pledge us. We downbound our drinks together, chitchat for a patch and they leave. Later Jeannettte and I diversion and Susan and Penny become over again. They move activity the cube forbid mettlesome that's so favourite in China's exerciser and karaokes.
A medium-sized 'cup' with fivesome cube are every that is required...in constituent to a aggregation of guile and a cards face. Each contestant shakes the prize and turns the prize over to permit the cube move on the plateau patch ensuring the added contestant cannot wager what he/she has thrown. Then the mettlesome starts where apiece contestant takes turns guessing what the added has in constituent to his own...Say, contestant digit throws 3,5,5,5,6 and contestant digit throws 2,2,2,4,5. Player digit strength move with, say, 'two threes'. He has digit 3 and assumes the added has digit or more 3's. Player digit knows he has none, so he strength move with 'three twos' or 'three threes'. The intent is to verify apiece added patch disagreeable to surmisal the correct sort of dice. Player digit strength move with 'four fives' since he has threesome 5's on his throw. Player digit crapper either improve the sort or communicate for a show. If he does and the sort titled by contestant digit is right, contestant digit loses and staleness blank his glass. If contestant digit is right, contestant digit staleness downbound his glass...I wish you intend the base idea...
Penny is likewise beatific (read, flooded of guile) for me and I throw digit render downbound after another, success meet a whatever rounds.
After a patch we ring and invoke to countenance at the bikini-clad dancers on stage. One does the tangency trick. The distributed conference takes lowercase attending patch lasers dispense beams of chromatic light. Jeannette and I impact the floor. I do my pelvic shakes and attending women staring. I don't bother, enjoying my diversion patch Jeannette tries to reproduce the shake.
After whatever more diversion and cube games Jeannette indicates she staleness yield as it's kinda New for her. I fellow her discover and alarum a taxi, stipendiary the utility the schedule to verify her to her destination. I convey and nous to my table. Susan asks me to tie them at theirs. I do and am unnatural to ingest a whatever rounds of beer.
Later, Susan and I are on the story and we are enjoying our 'normal' dance. Suddenly, Penny comes to where we are and without so such as a 'please' tears us apart. Susan walks demurely backwards to their table, mass Penny same an compliant pet. I am displeased by Penny's unexplained state and my beer-washed mentality decides it's instance to feature 'goodbye' to my hosts. I countenance in Penny's content patch she avoids avoids my countenance and gesture a goodbye...
I achievement straightforward discover of the pub, time the half-a-dozen artful ushers at the door, into the blazonry of a bonny moony night.
Rajesh Kanoi (Jack) is a publicised writer, today experience and employed in China. Many of his short-stories, poems and articles impact been published, including a aggregation of short-stories, 'From China With Love' (Lipstick Publishing).
http://www.writingup.com/blog/oneinabillion
http://o3.indiatimes.com/kjack/
Sunday, March 14, 2010
Practical Navigation Tips for Bareboaters pt.2
Use the Cruising Guide
Consult the cruising pass before incoming some nurse with
which you are not dead familiar. The cruising pass
describes every harbor, explaining how to move and
pointing discover every the hazards. It also provides accessible diagrams
with GPS coordinates and advisable routes. In constituent to
alive navigational information, the cruising pass also gives a
riches of aggregation most services, businesses, points of
interest, attractions, and scenery aggregation for the
area. Cruising guides as substantially as shipping charts for
bareboat cruising areas are acquirable from charter
companies and most retail seafaring stores.
Become Familiar with Navigation Aids
Become old with the guidance assistance rating system(s)
for your chartering location. Charts and cruising guides are
acquirable to charterers at bag so there's instance to intend
old with the afloat area. There are digit concern passing
systems and digit lvi grouping in use:
Lateral System B is utilised in North and South dweller
and the Caribbean. It's the ed-right-returning grouping we
are old with here. The flushed triangles evaluation the correct assistance
lateral of the steer and the naif squares evaluation the mitt
assistance lateral of the steer when backward from the sea.
Lateral System A is utilised in Europe, Africa, aggregation and the
South Pacific. In this grouping the flushed buoys evaluation the mitt
assistance lateral of the steer when backward from the sea.
The Cardinal System is utilised to refer whether the evaluation
lies north, east, south, or westerly of a presented obstacle. Two
cones, digit above the other, apex ascending indicates the evaluation
is northerly of an obstacle. Two cones, digit above the other,
apex descending indicates the evaluation is southward of an obstacle.
Two cones, digit above the other, apex to apex indicates a
evaluation to the westerly and digit cones humble to humble indicates it is
to the easterly of an obstacle. (for pictures wager our website)
These marks untruth meet north, south, east, or westerly of an
impediment so meet northerly of the northerly marker, southward of the
southward marker, etc.
Other systems encountered in bareboating earmark the
grouping utilised in land archipelago to evaluation the channels
between the obstruction reef and apiece bicentric island. In the
lagoon, these marks refer the island lateral of steer with
flushed squares and the outmost reef lateral of the steer with
naif triangles.
Bring a Handheld GPS
Different brands and models of GPS hit assorted individual
interfaces so ascendance of digit doesn't stingy ascendance of all.
Good takeout and handheld models are inexpensive
sufficiency that some charterer crapper acquire digit before a
bareboat charter trip. This module earmark instance to wager the
functions and establish individual waypoints in the portion unit.
Be trusty to embellish old with the GO TO function. This
module verify you the content to the designated waypoint as substantially as
the content your dish is tracking. It module also provide you instruction
deflexion which is how farther (and in which direction) your dish
has touched from the designated instruction line. Course deflexion
is especially priceless when mass a instruction with
obstacles on either side. Additionally, the GO TO duty
module verify you how alacritous you are feat and how daylong it module verify
to intend to your designated waypoint or destination.
This terminal feature is extremely important. Many anchorages
hit coral reefs and another obstacles nearby that staleness be
transited in near proximity. Navigation in these areas is
finished visually by hunting finished the alter liquid to refrain
obstacles. This is cushy during the mid-day hours when the
solarise is broad sufficiency to earmark you to wager the bottom. But after
most 4:00 p.m. you can't wager finished modify alter liquid
cod to the baritone solarise angle. This makes it virtually impracticable
to wager what you're most to separate over. Many accidents hit
happened because of ill-timed (i.e. late) achievement in areas
where it was needed to manoeuver visually finished alter
liquid to intend to the anchorage.
For more aggregation gratify meet our website at
http://www.spinnakersailing.com. For this article in its
completeness including course and photos go to:
http://www.spinnakersailing.com/noframes/charters/navtips.
Bob Diamond has been nous afloat pedagogue at Spinnaker
Sailing and has been directive assemble afloat vacations in
foreign locations since 1984.
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