Real Estate Investing: What You Must Know When Buying Investment Real Estate – Article 2


There are four elements of return associated with investment property. They are:

(1) cash flow,
(2) equity growth by amortization,
(3) equity growth by value appreciation, and
(4) tax shelter benefits.

Cash Flow. The formula for cash flow is rental income minus operating expenses. Operating expenses include mortgage payments, property taxes, insurance, utilities, upgrades and repairs. Usually, investors who require significant cash flow will significantly decrease their profit in the other three elements of return.

Equity Growth by Amortization. This occurs as the principle is deducted from your mortgage loan balance. Typically, mortgage payments are the same each month and are paid by the rental income. These payments usually cover both principle and interest. As you make payments, you pay of the principle which increases your equity.

Equity Growth by Value Appreciation. When properties increase in value, you gain equity. There are two kinds of appreciation: (1) inflationary and (2) demand. Inflationary appreciation is the increase in property value due to the reduced purchasing power of the dollar. Demand appreciation is the increase in property value due to the limited supply of property.

Tax Shelter Benefits. Outside of a property’s operating expenses, there are three main tax shelter benefits, which include: (1) the use of deferred capital gains tax, (2) the tax deferred exchange and other tax deferral strategies, and (3) depreciation on improvements. By selecting a property with high tax shelter benefits, investors can significantly reduce their federal and state tax liability.


The single and most important consideration in selecting investment property, financial planning in general and probably the most frequently overlooked, is a total investment plan. Any plan, however how meager, is better than no plan at all. And, we have found that the more detailed your plan, the better. Any good investment real estate agent should be equipped to develop a customized, detailed plan for you. We estimate your chances of success in investment real estate are improved by a factor of 100 if you simply have a plan.

As an investor, the two most important aspects of an investment are its value as an asset and its return on invested capital. In other words, you will invest your money in real estate and (with improved property) obtain an annual return on your invested capital until you sell the property.

When you sell, you will expect to recover your original invested capital plus profit from equity growth by amortization and value appreciation. It is said that you make money in real estate when you buy, and in our experience this has proven to be true. So buying below or at fair market value will ensure that you will be able to recover your original invested capital plus profit at the time of the sale. If you overpay for a property at the time of purchase, your overall return on invested capital will be reduced.

The purchase of investment property will probably be the largest dollar investment that you will make in your lifetime. Unfortunately, there is no “Bluebook” for establishing the value of used property. In addition, each property is unique in value. So, how do you, as an investor, determine whether or not your property is worth the asking price? This and more will be covered in article 3 of this series.

Mr. Scott W. Burch is a licensed commercial real estate agent, a private real estate investor, author and Registered Investment Advisor. Due to his experience and background, Scott is able to help clients successfully locate, analyze and acquire suitable investment properties. As a principal himself, Scott is able to bring a unique perspective to his work, understanding the needs of the seller, and the process of the buyer through which a new property is analyzed and acquired.

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Real Estate Investing – What You Must Know When Buying Investment Real Estate – Article 1


When it comes to making your real estate investment, there are four main factors in the selection of your real estate purchase that you need to think about:

1. The type of property you are seeking

2. Your current return needs

3. Your availability of capital, and

4. How it fits in with your total investment program

These considerations form the guidelines which fully determine what to buy, how to buy, and why to buy real estate. Each of these will be considered separately.

Type of Property

For our purposes here, we can classify property into two broad categories: (1) unimproved and (2) improved property. Unimproved is property is land only. This ranges from vacant lots in residential communities to large plots of raw acreage. Improved is property with some kind of building on it. This type of property includes residential income property (which includes duplexes through apartments) and commercial/manufacturing property.

The type of property you select depends almost entirely on (A) how much risk you are willing to take with your capital, (B) your cash flow needs, and (C) the amount of time and effort you are willing to devote to your investments. Consider the following general advantages and disadvantages for each kind of property:

Improved residential income property advantages are many, including a good return on invested capital, strong value appreciation, good tax shelter and good availability of tenants. The main disadvantage is that management is required.

Improved commercial/manufacturing property advantages include long-term tenants, limited management, consistent return on investment and good value appreciation. The disadvantages include limited tenant availability and that limited financing is available.

No property management is needed for unimproved property and there is a chance for very high appreciation. Some of the disadvantages include the fact that it is highly speculative and that there is no return on investment until it’s sold.

An investment in unimproved property is not recommended to new investors. Raw land is too speculative, but there is no doubt that many speculators have made money in this area. Often, however, they invest their capital with a degree of risk I would not care to take without considerable information about the property. The problem is that most of this information is not readily available to the investor, and therefore makes a well-informed investment very difficult. Conversely, a good investment in improved property can be clearly understood before you purchase, and tenants pay your property costs, buy your equity, and help you make a profit.

Mr. Scott W. Burch is a licensed commercial real estate agent, a private real estate investor, author and Registered Investment Advisor. Due to his experience and background, Scott is able to help clients successfully locate, analyze and acquire suitable investment properties. As a principal himself, Scott is able to bring a unique perspective to his work, understanding the needs of the seller, and the process of the buyer through which a new property is analyzed and acquired.

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How Free Real Estate Articles And Information Could Pave the Road to Your Investment Success

There is a little-known marketing secret that is used by PR professionals in order to explode their on-line and offline businesses. If you are a real estate investor entrepreneur, you could, of course, hire a marketing firm in order to exploit this type of marketing. However, there is a way to make use of this secret without spending thousands up front.

The secret are real estate articles, and it can literally bring business right to your doorstep.

You see, when many entrepreneurs think of marketing, they think of paid advertisements in newspapers and other media. While there is nothing wrong with paid ads, a free and informational real estate investment article or two is a fun, easy, and rewarding way to get even more effective marketing – often at no cost.

Providing free real estate articles on investing techniques or certain types of property investments work so well for a number of reasons.

*First, people like real estate investors pay more attention to articles than to paid ads.

Customers, including your potential homebuyers or investing clients, are bombarded with ads each day. They often appreciate – and are willing to spend time on – reading an article on property investing that gives them useful information without using the hard sell.

*Secondly, providing property investing information in the form of free real estate articles can establish you as an expert.

By publishing a real estate article – or a series of several real estate articles on a particular topic – you can easily position yourself as an expert to the media. In some cases, a reporter or media professional may contact you for a story. The fact is, investment-related articles can easily lead to more marketing and more exposure.

*Plus, real estate articles can mean additional income.

Depending on where your real estate article appears, you may get money for your work. You can also publish your real estate article on your website, where its keywords can attract more traffic to your business. You can even gather several articles together into a book.

Writing real estate articles is obviously a good idea, but many entrepreneurs get nervous about committing their ideas to paper or to the computer screen. They worry about their writing abilities or they worry that someone will steal their ideas. Both fears are unfounded.

If you can speak reasonably well, simply write the way you would speak to a client. Explain everything in simple terms and share the ideas that are important to you. There is no need to worry about someone stealing your article ideas, either. A quick search online will likely show you that just about every real estate topic has already been written on. It is very unlikely that your real estate article will contain information that no one in the business has ever encountered before.

If, on the other hand, your real estate articles contain fresh new information presented in an interesting way, it is very possible that your innovation will mean more attention and more marketing opportunities for you.

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Use Real Estate Articles To Boost Your Market Presence

It has always been true that getting your real estate business established, is doing different things to become known as a leading realtor in your area. Keeping a database and staying in contact with your clients and buyers is a well-known method of creating more business. Advertising and sending out letters are other examples of ways to grow your business.

There is another method you can try to boost your real estate business. That would be by using real estate articles. Here is how it can work for you. Write articles about different subjects and get them printed in a local newspaper or market journal. Here are some ideas of subjects you can write about.

· Getting Your House Ready For Selling

· Hiring A Realtor

· Home Inspections

· Termite Inspections

· Bank Appraisal

· How A Lockbox Works

· Internet Advertising

· Security

· The Holiday Season

· A Buyer Broker

By searching the internet you can come up with tons of ideas to write about. Now once you have your articles, “yes I said articles” because you need more than one and you should have them ready to use. You can start having them printed on a monthly schedule in that local paper I had mentioned.

Doing this will get you recognition in your community and it will establish you as the local expert, and the go to person for getting a house sold for either a buyer or seller. It would also be a great idea to have your picture, your title and any certifications printed along with the article. There is a possibility that if you have a number of real estate articles ready to go, you can try to make a deal with your local newspaper or advertiser to get your articles published free. Try to become their Real Estate Corner. You can become known as the local real estate expert. Write articles that are informative, non solicitation in content and helpful to your readers. Believe me they will find you when they need you. Remember you when you do other forms of advertising, that will also fortify your articles.

You may have to pay to get your articles published but the cost will be small when using a local publication. These papers are usually delivered free by hand or mail in the community. Check the circulation and use the publication that is best for you.

If you find it difficult to write articles, you can buy real estate articles on the internet at a low-cost. You will save loads of time. Don’t be afraid to use this method to boost your real estate business. It works if you are consistent.

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Chiropractor – A Health Care Invention

A chiropractor is defined as a health care device with a professional touch for the diagnosis and intensive treatment of neuromuscular disorders. Their emphasis is on neuromuscular disorders, especially spine.

Most of the chiropractors are used as a pain reliever for the patients. That is why it has been given the title of being an alternative medicine to the subjected treatment.

Chiropractors firmly and honestly believe in the kind of relationship that developed between our nervous system and spine, this does not come as a surprise as we have already mentioned that the major area of focus for the chiropractor is the spine.

Here is the listing of few of the benefits received from Chiropractic health care

1. A great boost for stress reliever

It is a well known fact that too much of stress will always result in a bad outcome. Neither is it good for health nor is it good for our well being. When our nervous system moves out a bit from the track and our skeletal system seems to have shaken off from their proper position, there are very high possibilities that your entire body will feel out of balance as well. This is what will lead to stress in your entire functioning of the body. Here is when the functioning of a Chiropractor comes into use. It helps in balancing that stress and your body is immediately made to come back to its normal balance. Once you are made to adjust to this functioning you will feel much more equipped to manage this stress if it happens to arise again.

2. Posture perfection by Chiropractor usage

By using this chiropractor over a considerable period of time, these chiropractor adjustments can help in the alignments of the spine and brings a noticeable change in your posture. This is distinctly helpful when it comes to aligning the curve on your neck. As soon as you get into your working in an office phase, you have to spend hours after hours in front of a computer. Due to this from a very young age, people are seen to be having neck issues. If you continue a regular and dutifully maintained use of the chiropractor, you can improve your body posture in no time.

3. Moods are taken care of automatically

When with time your body gets adjusted with the working procedure of the chiropractor, your entire body gets balanced. The entire chemistry of the body is brought back on track. A lot of people who have not had the best of luck in chemical balance gain a lot from the chiropractic care. Depression which is a very serious mental condition also sees an immense improvement in the moods of the sufferer. So you see how a chiropractor is creating wonders in your mood related cases as well which are in a way related to the functioning of your entire body.

Thus we provide you with a gist of all that you can mainly expect from the usage of a chiropractor. It is efficient and it is useful and it is interlinked with many a thing’s improvement.

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Calamine Lotion Benefits

Calamine lotion has been around for a long time and was always used in the medical environment. Obviously, it isn’t as strong as most antiseptic chemicals but it is a lotion that prevents itching.

Calamine lotion can be used for various treatments which include damaged and itchy skin. When skin gets damaged it will get itchy because the cells are breaking and tearing apart. It may sound painful but the itch is what really gets to you. And who can resist scratching an itch?

Coming into contact with poisonous plants is common when camping or spending the day in a garden. These are plants that use poison as a self defence mechanism to save themselves from being cut or eaten. It’s also important to know your allergies as some people may have allergic reactions to certain plants. The calamine lotion can help to soothe the burning feeling and prevents any breakouts at the same time. This will help heal the rash and infection quicker in a painless way.

Baby skin is very sensitive to most surfaces including their nappies. The calamine lotion can help to heal the nappy rash or anything of the sort without burning your child’s skin. Keeping the rash as soothed as possible will make your child more comfortable.

Insect bites are common in any area of the world. These bites could also be slightly poisonous (in certain cases) which causes itching and inflation on the skin. Applying calamine lotion to the bite will soothe the wound and assist with the process of ridding the body of the harmless poison. Please remember that certain insects can also be dangerously poisonous and you should be aware of which insects and spiders can harm you greatly. Most insects that have many bright colours are often associated with high toxic levels.

Calamine lotion also assists with stretch marks and broken skin that occurs during pregnancy. There is nothing worse than having discomfort during pregnancy especially if it could be treated or prevented. Adding calamine lotion to your broken and itchy skin relieves the surface of the discomfort.

You can also apply it to other skin problems such as acne, dryness, eczema, psoriasis and as a normal moisturiser to improve complexion and quality of skin.

Calamine lotion can be found in most stores or in bulk quantities at cash and carry wholesale stores. If skin problems continue after the use of any treatments, there is a chance that your body is unable to cure itself of the infection. In such cases you would need to consult a dermatologist to find out the cause of the problem.

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Staying Safe While Behind The Wheel

There is nothing quite like being able to hit the road and experience a level of freedom in your own vehicle. While your car can offer you a chance to escape from the monotonous routine of your daily life, it is also important to keep basic maintenance in the forefront of your mind. When something goes wrong with your ride, it can lead to some serious financial problems and general frustration. In fact, you might discover that some aspects of maintenance are less obvious than others. This is especially true of areas like windshield glare.

When you are driving on a particularly sunny day, you might not be able to see the road in front of you. The sun can be harsh and unforgiving, and this can have a huge impact on your ability to see clearly while you’re driving. Instead of chalking this up to the way that it is, you might want to take action and discover the right solutions with Crystal Fusion Technologies. Explore the different ways to improve your driving experience and learn how to stay safe while you’re behind the wheel.

A Frustrating Glare

Sunlight on the windshield can be a serious threat. A sunny day is perfect for going to the beach, having a lazy picnic in the park, or simply soaking up some rays. Unfortunately, the sun is also incredibly bright at certain times during the year. When light bounces off or gets filtered through the glass on your windshield, it creates an obstruction that cannot be easily remedied. While you might try and put on some shades, you’ll discover that this solution only gets you so far. A real remedy is in order for a lasting fix.

Companies like Crystal Fusion Technologies have put a lot of time and energy into crafting solutions that aim to improve this situation. Cutting the glare on your windshield is not an easy task and you need to make sure that you are taking the right steps to see improved results. With the assistance of the best products on the market, you can use cutting edge technology to divert the rays of the sun in a way that does not upset your driving in the slightest. Research your options to discover the perfect fit.

Driving On

Staying safe while on the road is important for many reasons. People tend to go through routine maintenance for their vehicles to ensure that no unforeseen issues arise while behind the wheel. This usually takes care of areas like oil changes, tire rotations, and other important areas. Still, maintenance neglects issues that are inherent by design. Windshield glare cannot be fixed with regular maintenance. You need to go above and beyond to protect yourself when you’re on the road so be sure to look over your options.

There are many ways to protect yourself when you’re out driving in your car. When you are paying attention to all angles of your experience, it can be a lot easier for you to spot a problem in advance. Learn about how products by Crystal Fusion Technologies might be able to improve your experience by using windshield protective coating regards to windshield glare. Explore your options and you can find the best solution for your troubles.

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Various Health Benefits of Meditation

The ancient practice of meditation is gaining popularity again in modern times. As this practice goes main stream, more and more people are enjoying its benefits. Derived from the Sanskrit word ‘Dhyana’ meditation means attention and contemplation. It is a practice to help focusing the attention away from everything to achieve a relaxed state of peace and balance. This practice is designed to promote relaxation, develop love, patience and compassion and build internal energy to overcome stressful situations.

One of the reasons for growing popularity of meditation is the scientific research proving its amazing range of benefits and healing properties. It helps a person increase his focus, eliminate negative thoughts and anxiety. Here are some of the popular health benefits of meditation:

- Reduces Stress – Stress is the most common problem of people in present times. Meditation induces a state of relaxation which is helpful in reducing stress and anxiety levels. It restores the emotional balance which will help in enhancing self-esteem, increase awareness and optimism.

- Deals with Chronic Pain – Meditation helps in reducing pain of patients suffering from chronic pain.

- Improves Sleep – It helps in improving sleep quality and cures the symptoms of amnesia.

- Improves Immunity – When the body is relaxed and stress free, the immune system is able to prepare itself to fight against various diseases.

- Provides relief from Blood Pressure and Heart Ailments – Simple daily practice of meditation can help in lowering blood pressure which will reduce the risk of hypertension. Over the time, the heart rate can also be lowered, improving the cardiovascular system. Research has proved that it has helped in managing heart diseases in many patients.

- Improves Concentration – It helps in increasing the strength and focus of your attention. It can help you think better and generate more new ideas.

- Generates Compassion – It can help to increase positive feelings and actions towards others. By practicing meditation, people learn to extend kindness and develop forgiveness.

- Helps in Fighting Addictions – The discipline developed through meditation helps in increasing self control, awareness and breaking dependencies. Research has shown that it helps people in redirecting attention, increase willpower and control impulses. It helps in developing discipline to avoid triggers for unwanted things and fight and recover from addiction.

The importance of meditation can be felt never like before in present times. With routines getting busier and more and more stressful, meditation is a good driving force that can help people cope up with the intricacies of modern lifestyle.

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Remove Unwanted Facial And Body Hair Using Laser Treatment

Removing unwanted hair is time-consuming and repetitive no matter what your preferred hair removal technique is, and whether you shave, pluck, wax, thread or use depilatory creams, the hair will always grow back. You’ll find the skin on your face is sensitive, and constantly using harsh hair removal treatments can cause a great deal of skin irritation.

All women have hair on the face, usually it’s fair and fine and is difficult to see, but those with darker hair are not so lucky. You will find that most of your female friends have the same issues when it comes to unwanted facial hair. The hair on the upper lip, chin, cheeks and sideburns can all be very embarrassing and cause you a great deal of insecurity. It seems that every time you think you’ve disposed of unwanted hair, you’ll find more of it sprouting up somewhere else, and even after you get rid of the hairs, they just grow back.

You can cover up your excess hair in areas that aren’t constantly exposed, but the hair on your face is always on display, and it can seem as though everyone is always looking at the hairs on your upper lip, chin or sideburns. A good way to get rid of unwanted hair is with laser hair removal.

Benefits of laser hair removal:

It permanently reduces hair safely
It’s a fast treatment time
The results will boost your self-confidence
Prevents razor bumps and irritation
Laser treatment causes only minimal discomfort
Laser energy gets absorbed by the pigment in the hair follicle, and this laser energy is then converted to heat, causing thermal damage to the follicle without harming the surrounding skin. This results in hair growth being stopped in the damaged follicle.
Generally for white skin you’ll need around 6 treatments, spaced 4-6 weeks apart, and this usually results in 80% of hair removal. Darker or black skin may need around 8 treatments, resulting again in 80% of hair removed.

Most clients experience minimal discomfort; some may experience a minor stinging or pinching sensation on the skin as we deliver the laser pulses, but we can offer topical anaesthetic cream to make treatments more comfortable.

Although we can perform laser hair removal treatment on white or black skin, lasers only work on hair which has pigment, because it absorbs the laser light and allows the heat to build up and diffuse throughout the follicle to destroy it. Therefore it’s not possible to treat white, grey, and blond hair by laser.

If you need help choosing a cosmetic procedure, we provide an extensive range of cosmetic procedures for the face and body: Botox, Vaser Lipo, Lip Augmentation, Dermal Fillers and many more treatments, to help create a younger, slimmer, more youthful looking you!

The Selston Cosmetic Clinic is located in Selston, Nottingham, where we offer a bespoke service with a personalised touch and deliver high client satisfaction. We have been involved in the cosmetic industry for over 10 years

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