Many great investors over the years have touted the superiority of investing in real estate. Why is that? Real estate investing,  when well executed, can be an outstanding way to grow wealth. Ask any real estate success story like Steven Taylor Landlord and they tend to offer advice with similar themes. Here are three reasons apartment buildings make a good investment. 

Cash Flow

The ability to create positive cash flow is likely the primary reason most multi-family unit investors choose to purchase apartment buildings. Cash flow is essentially what is left over after rents have been collected and expenses have been paid.

When an apartment building is purchased, there are many ways to increase cash flow. The simplest way to accomplish this increase is to raise rents.

Another way to increase cash flow is by reducing expenses. A close examination of a property can often uncover places where money can be saved. There may be utilities being paid by the property owner that could be relegated to tenants. A reduction of expenses can also be accomplished by taking a look at service providers and what they charge. Oftentimes, there may be bettor vendors available charging lower rates for services like maintenance and landscaping.

Lack of Affordable Housing

The lack of affordable housing is a common occurrence across the United States. Apartments are the most affordable option for many who can’t or choose not to purchase a home.

Resistance to Fluctuations in the Economy

Apartment building investments tend to have a resistance to fluctuations in the economy. People always need the ability to put a roof over their head. 

In good times, affordability becomes an issue for many prospective home buyers as home values increase. In bad times, apartment rentals may be the only available option for people trying to keep household expenses down.

The key to successful apartment ownership is to identify a great high-demand location.

I would like to share a great video with my viewers about Warren Buffet and his advice on how average people can invest and become rich. Enjoy the video and learn as much as possible to become rich.

When embarking upon a new business idea, it can be daunting to consider how you might fund your start-up and operating costs. There are risks and benefits involved in all methods, and the route you take will depend entirely on your unique circumstances. In this article, we will explore some of the ways in which you can fund the start of your business adventure.

Personal savings

If you have a significant amount of money already saved, and your business start-up costs are not so astronomical as to put that in danger, it may be worth considering utilizing the funds you already have. The major benefit of this approach is that you are not accountable to anyone else; as the sole investor, you will retain full control of the business and creative decisions. Similarly, you will be the sole beneficiary of a successful business. Of course, your savings are your safety net; give careful consideration to your long-term personal financial situation. You may have full belief in the potential of your business idea, but if it were to fail, it is important to ensure that you and your family are not left in a precarious position.

Friends and relatives

You may be in the fortunate position of having a friend or relative (or even a mixed consortium) that have the resources to help fund your business plan. If so, it’s definitely worth approaching them to discuss whether they would like to channel some of their finances into a new enterprise. This may be an informal agreement, or you might consider taking on a friend or relative as a business partner, with formal arrangements in place. It is important, before embarking upon any investment with a loved one, to make sure that business matters do not interfere with personal relationships, and vice versa. That said, an entrepreneurial arrangement with someone you already know can be a rewarding experience for all involved.

Outside Investor

If you require a significant initial investment, or if your personal finances are not sufficient to cover all start-up costs, it may be prudent to seek the assistance of an outside investor. Depending on the proportion of investment offered, this alleviates some of the financial risk to you as an entrepreneur. Before you enter into an agreement with an investor, make sure that everyone is fully aware of the terms; this will likely involve division of control of business decisions. Investors will want their outlay to be as protected as possible, so will possibly request involvement in the decision-making process. However, this can come with its own additional benefits, as investors will likely have experience in similar situations, and can be a useful source of guidance.

Small Business Loan

A small business loan is a great option if you wish to retain complete creative and decision-making control, but require resources larger than a financial commitment you can make independently. If this is something you’re considering for your business, visit Lend Genius to discover your options; you even have the opportunity to apply online today.

There are best investment strategies available in today’s market. Contributing is an advanced investment strategies starting with one year then on to the next. Those days are gone when people used to put their resources in a term store for a certain period of time before it multiplied to a certain amount.

The premium rates are continuously falling in the recent times and due to this, the investment strategies have moved more advanced. These days there are three different forms of investment strategies that can be utilized to improve your portfolio’s returns over a certain period of time.

High risk investing: This is one of the best advanced strategies in today’s market. It is quite important to stretch your investment portfolio so that non-customary sort of investments can be incorporated. Because of low ensured rates, speculators are taking risks at high danger investments.

Looking into securities: After the business inconveniences of 2007, 2008 and early 2009, many speculators have come back to the essentials of value contributing.  There are not just such organizations that are better promoted and can create enduring measures of money to pay those profits, yet they come up short given their administration in a specific industry or division. Nowadays, speculators are putting their resources in more robust organizations that pay wages as a major aspect of the value offerings.

Make constant contributions: Experiences and knowledge from the past has taught us that we would be better off today on the off chance that we had contributed all that we claimed at the utter bottom of the business amendment. The problem is that we are not that much prepared to focus when that bottom will happen.

To avert from this situation, standard investment commitments, whether it is part a protuberance whole throughout the span of a 12 month period or to contribute a preset sum with each paycheck. By contributing cash all the time, even the traditional financial specialists are able to pay a normal cost for their investments. In the long run, they will have paid considerable short of what on the off chance that they had attempted to time the business sector with less incessant investment commitments.

When the time comes when you have to contribute on your own, you can utilize a rebate online intermediary. Most expenses will go down with any firm when you do the research on your own, even with the reduced representatives. When you have just started, you will want to put your money in stocks instead of the contributing procedure itself. In general, choosing the best investment strategies as per your requirements will help in building up your wealth.

As a child, you may have had a simple savings account that accrued a little interest over the months. When you’re an adult, however, saving money for retirement and education are critical parts to life. Many people are confused or intimidated by the investing process, but there are easy ways to start your own nest egg. Take a look at these smart investment strategies and choose a few that work for your situation.

Start a 401(k)

Most employers offer some type of investment account, such as the traditional 401(k). You may look at these accounts as optional, but they should be considered mandatory for a comfortable retirement. Contribute as much of your paycheck to the 401(k) as possible because you’ll gain high returns over the years. You’ll also reduce your reported income too. When income taxes are due, you’ll pay less because of the 401(k) contributions.

Determine Employer Matches

Another major reason to use 401(k)s is the possible employer-match amount. For example, your company matches your contribution percentage up to 6 percent. Ideally, you should contribute no less than 6 percent to the 401(k) because you’ll miss out on the employer’s full payment amount. These contributions are part of your salary that makes saving for retirement even easier than ever before.

Contribute to IRAs

Another investment strategy involves IRAs or individual retirement accounts. There are several IRA types, including an education-based one or traditional retirement. In fact, you can have several accounts and contribute to each one. You can save for retirement and your children’s education at the same time. This strategy also reduces your income level as reported on your taxes.

Avoid Early Withdrawals

Your 401(k) or IRA may have thousands of dollars after a few years, but don’t be tempted to take out these funds. Early withdrawals only increase your tax liability and reduce your overall retirement amounts. Extreme financial emergencies should be the only reason when you take money out of these accounts. In the end, they’re exclusively meant for retirement and education needs.

Research established and new investment strategies as you gain more experience with your money. You might read about Sharia complaint investments or monetary options at your bank. In the end, you want a stable investment strategy that builds wealth over the years. Your retirement will be entirely enjoyable with ample funds supporting your lifestyle.

Life is just not just about big dreams, high end luxuries and expensive comforts. Amidst your hectic schedule and working hard to make your both ends meet, you may often forget to enjoy the simple pleasures of life. These pleasures, though may seem trivial or frivolous in nature, can bring immense satisfaction to you. They are called the finer joys of life.

Ever wondered about the finer joys of your life?  Well, here is a small list:

• Looking at the joy on your child’s face when you take them for their dance class
• Dropping your wife for Zumba classesen route to your office.
• Pursuing that long-cherished hobby of learning to play the guitar.
• Watching your favourite singer performing live in a concert.

This list can be endless. You have an earnest desire to live these finer joys, but then there is the other side of the coin which calls for being practical to make them come true. You need to make time to do these little things you want to do as well as manage your finances to spend about the same.

Managing your time is relatively easier. You could start waking 15 minutes earlier every morning. Or you could limit your screen or digital media hours. You can even set aside a dedicated hour of the day for ‘me time’ and ‘family time’.

But, what about the money part? This requires a conscious and systematic planning at your end. Here is what you could do to achieve the finer joys in your life without worrying much about the finances.

1. Make a Budget

Write down income and expenses (better, if maintained in an excel sheet). Review once in a fortnight or a month. Analyze the reasons if you have exceeded the budget on some counts. Try and live within the budget.

2. Save Smartly

You should aim to save at least 15 – 30% of your income to meet the key milestones of your life – child’s education & marriage, own home, retirement, etc. Keep a long term perspective and allocate your savings to a diversified portfolio comprising fixed income securities, equity funds and insurance plans (life, health and non – life) for a better risk-return trade-off. Also, keep an emergency fund, equivalent to your 3 – 6 months, aside to meet unforeseen expenses. Similarly, you should allocate a part of your income towards the expenses that you will need to incur on the finer joys of life. This way, you and your family can enjoy the small pleasures of life without creating an additional burden on your budget.

3. Invest in a Money-back Policy

The finer joys can occur at different stages of your life. To be able to enjoy them as and when the time comes, you need money at periodic intervals. Rather than juggling your finances impulsively in future for such things, it is better to plan for regular payouts ahead of time. A money-back planis quite suitable with this regards. It gives a guaranteed income flow at fixed stages during the policy term, so that you have the money when you need it the most. You could plan the payouts as and when you desire to fund the finer joys of your life. With a money-back plan in your investment kitty, you have an additional source of income in hand and you can glide through your recurring financial commitments smoothly.

If you plan your time and finances well, you need not forget, sacrifice or postpone those finer dreams in your life. Start planning today, your little joys are waiting to unfold!

Diversification is a core investment principal. The old saw that there are old pilots and bold pilots, but no old bold pilots can be applied to traders. Other than stocks, what are other effective ways of making money? Bonds, commodities, cash? These instruments do not seem to be much appetizing at the moment.

Alternative investments can be the best and worst of investments. This is the zone where an offer of a piece of Brazilian jungle, carbon credits or funky real estate can lead investors astray.

One of the best classes of alternative investment is numismatic coins. They have the following benefits:

Low correlation to other assets: Numismatic coins have kept up a 7% annual compound rate of growth for as long as you care to look back. A coin that was $100 in the past during depression is now $20000. There is no asset that is free of correlation but the main correlation for numismatics is general money supply with an underlying link with fear. During the credit crunch when people were pulling their cash from British banks, coin dealers were as busy as the vendors of safes.

Inflation hedge: Coins are very helpful in beating inflation. A Triple Unite from 1646 that was about $10000 to its original owner is now worth anywhere between $80000 to $150000. This is about 3% above the rate of inflation over the last 368 years. Inflation is an increasingly mysterious number. Many people believe that their grocery bills and the constant rise in price do not match the stated inflation numbers. The prices of the hard assets are always going up. This is counterbalanced by a mixture of “soft assets” deflation, questionable statistics and agricultural subsidies.

High portability: Unlike dollar bills, many are not trained to sniff out collectible coins. You can put a multimillion dollar collection in your pocket and go away. Some people believe that bullets are a great alternative investment.

A global market with auctions: Alternative investments tend to be illiquid, just like coins. You can sell the items quickly to a dealer, but the bid/offer on that isn’t too great. Coins are for the investors who are patient and an auction is a solid venue for them.

Coins have a great history of being valuable assets: Coins have a good track record of being desirable assets. They have been collected by popes and emperors, and have been a pastime of the rich for centuries. They provide a good demand in the resale market.

Numismatics is not the only collectible with good investment and diversification attributes. You will find them in the form of stamps, banknotes and many other obscure and/or fascinating genres like film posters, toys, china and other art virtue. Almost everyone has the same reasons to collect coins. If you put all your financial eggs in one investment basket, your probability of loss is concentrated. Collecting is a fine way of spreading your investment risk.