Early Steps to Overseas Property Investment

April 5, 2009 by  
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Overseas property investment can be a profitable affair if your decisions are more calculative than impulsive. Calculations do not necessarily make things critical. On the contrary, some simple calculations can save you a lot of money, time and energy. Let us do some psychological calculations as the first step towards overseas property investment. Why are you thinking of investing in overseas property?

Do you visit that place regularly or do you plan to visit that place regularly? If you are simply planning to visit that place regularly, are you sure that this mindset will last for a longer period? Are you investing in some overseas property to use it as a regular source of income? If yes, than have you have done all the necessary groundwork like business model, target market, estate positioning etc. For example if you are planning to invest on overseas property to earn on rental than you should consider things like:

1) Does that area get enough visitors who may eventually turn up to your door to rent it!

2) What are your plans to inform your target audience about the availability of the space!

3) Is that location open for those people who can afford to rent your place!

4) Is your place underdeveloped for the regular visitors!

5) Can you manage the business from your home!

6) If the answer to question number 5 is in negative, than have you got any reliable source that will take care of the business in your absence!

7) Etc. Are you planning to settle down in that place after retirement? If yes, can you speak the local language or do they speak English!

These are only some sample questions that can help you take primary calculative steps towards overseas property investment. The investors, who are reluctant to think about these issues as pointless, often end up with huge loss. Apart from this, you must look for communication facilities and other related issues. However, if you are looking for cheap investments, you should look for developing areas. Emerging East European countries like Bulgaria, Croatia and Romania can be a better choice for overseas property investment –http://www.interlinkproperties.com/investors.html in present market scenario. Do not worry about the development issues ? the world is becoming too small to stay under-developed for a long time. However, be sure to consult reliable property brokers before investing on some overseas project.

Pure Water and Employee Productivity: a Good Investment

March 25, 2009 by  
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Article Written by : MLAVA Finances

In a competitive world productivity is king. When employees are productive in their jobs, everyone benefits from the individual employee, the firm, the consumer and the economy as a whole. Increased productivity is one of the main elements returning a depressed economy to health and growth…

High levels of productivity are hard to maintain however, particularly in the office environment. And, even small increases in productivity can result in greater profits for the firm and better wages and benefits for employees.

What Are The Most Harmful Elements for Productivity?

In the office environment the two factors with the most negative effect on productivity are sugar and dehydration. New studies show that these two factors, both individually and together have a significant and direct decrease in employee productivity.

The Problem with Sugar

Sugar, particularly processed sugar, is very detrimental to productivity and recent studies of the workforce in the United Kingdom indicate that productivity can be significantly increased by eliminating sugar from the workplace.1 The greatest sources of sugar in the workplace are carbonated soft drinks that are loaded with sugar and other harmful ingredients.

Sugar, when initially ingested causes a sharp burst of energy but the effects wear off rapidly resulting in the well known ?Sugar Crash? or ?Siesta Syndrome?. The ?sugar crash? or ?Siesta Syndrome? is evidenced by lethargy, loss of interest in work tasks and even sleepiness ? all results that decrease productivity.

The U.K. study concluded the following about the ?Siesta Syndrome?:

? Three quarters of UK workers admit to being less productive in the afternoon

? A quarter believe they produce the least work between 2pm and 4pm

? More than half (52 per cent) admit to making mistakes during this time

? Men are 10 per cent more likely to make mistakes than women

? One in ten admit they are 90-100 per cent less productive during this time

The study concluded that the main cause for the productivity inhibiting ?Siesta Syndrome? was the effect of sugar on the body:

“Misconceptions still exist about why employees suffer from Siesta Syndrome but usually the main reasons for this drop in productivity are meals being skipped and the wrong sorts of food being eaten. If workers feel they don?t have time for lunch or don?t have the option of healthy food being available within the office, it?s no wonder that by 2pm sugar levels are so low they affect brain activity levels.?

The U.K study continues with specific recommendations to maintain productivity:

? Avoid sweet foods and sugary drinks, which cause sudden sugar boosts, followed by a lull in energy.

? Cut back on alcohol and caffeine, which artificially stimulate energy levels.

? Drink plenty of water. Even slight dehydration will affect mental and physical performance leaving you feeling tired and groggy.

Many companies, in an effort to increase productivity in the work place have made pure water available to employees at convenient places in the office or plant. The cost is small and the returns are large making pure water a good investment.

Dehydration is Also a Factor

Dehydration drains the energy of workers and significantly reduces productivity.

In addition, dehydration is hard to spot in its early stages and by the time a person is noticeably thirsty, they are thoroughly dehydrated. Dehydration leads to symptoms similar to low blood sugar and the impact on productivity can be considerable.

A recent study on dehydration and its effects on the workplace concluded that dehydration has a major impact on productivity and dehydration is pervasive in the work force resulting from inadequate intake of liquids, particularly water.2

The cure for dehydration is simple and effective ? pure drinking water that is easily accessible and in abundant quantities.

Why Purified Water?

There are many forms of drinking water and they vary in quality.

? Tap water is accessible but contains contaminants and other minerals that are harmful to long term health and tastes bad because of the addition of chlorine. It is interesting to note that the Dehydration Study noted above concluded that the main cause of dehydration was the fact that many employees did not like to drink tap water because of the harsh, unpleasant taste of chlorine. ? Bottled water is often bottled tap water or spring water that often contains chemicals and contaminants due to industrial or agriculture run off. The taste of spring water is also objectionable to some consumers.

? Purified water. By far the purest and best tasting water is purified water created through a distillation/oxygenation process that delivers pure water with a light refreshing taste. Purified water not only increases productivity but it tastes good and encourages employees to drink more water.

Productivity is a critical issue for any company or organization and a simple, cost effective way to increase productivity is by supplying employees in the work environment with an ample and easily accessible supply of the purest, fresh tasting water.

Increase productivity with purified water for only a small investment.

Try it and see the results.

Notes

1.) Personnel Zone Direct: Issue List: Sugar:

2.) The ?Study on Workplace Environment and Health?:

Ways Under Your Nose To Finance Your Home Business

March 3, 2009 by  
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Article Written by : Home Businessz
There are lots of ways to get additional capital to expand a home-based business. But before you look outside for financing, leaving the decision about your company’s progress and merits to someone else, consider these six ways under your nose to finance your home-based business:

Personal Savings

Savings are easy to tap and involve no paperwork.

The negatives: if you use the money in your business, it eats into your safety reserve and is no longer there for emergencies. It diverts funds from a very low risk investment to a high one.

Whole-Life Insurance

Whole life policies accumulate tax-deferred cash value that you can tap for your business. But the only way you can tap this cash without paying taxes is to borrow against your policy. As long as you keep your policy intact and pay premiums when due, loans remain tax-free.

The negatives: you will be converting a low risk investment into a high one; if you decide to terminate your policy or if you default on repaying your loan, taxes will be due on all cash value accumulated under the policy; if you die before your loan is repaid, any distributions to your beneficiaries will be reduced by the amount of your outstanding loan.

A Loan from Your 401-K Plan

You can borrow up to $ 50,000 of the money you have saved under many 401-K plans. There are no credit checks. Interest is usually a percentage point or two above the prime rate and the interest that you pay back to the plan will be tax-deferred to the plan. Most loans are repayable out of salary deductions over five years.

The negatives: you will have less money invested toward retirement; the dollars used to repay the loan will be after-tax dollars withheld from your paycheck; if you fail to repay the loan, the IRS considers your failure a premature distribution — you will be charged taxes on the borrowed amount plus you may be assessed a 10% early-withdrawal penalty.

A Home-Equity Loan

These loans do require that you apply and be reasonably credit worthy. You generally can borrow up to 80% or 90% of the equity value of your home. Interest on these loans is generally tax-deductible.

The negatives: you will reduce the equity value of your home by the loan amount; you will be diverting funds from a relatively safe investment to a high risk one; if you default, you put your house at risk of foreclosure. Think very carefully before using this form of financing.

Personal Credit Lines and Credit Cards

They are convenient, versatile forms of financing. You can borrow and re-borrow up to the line limit as needed.

The negatives: you will pay relatively high interest rates– rates range from 12% to over 18%; the minimum monthly payment on many of these arrangements will repay the outstanding balance within 42 months; it is easy to dig yourself deep into debt using credit lines and credit card debt; high outstanding balances against your line can negatively impact your personal credit rating.

A Margin Loan

You can use margin loans for purposes other than buying additional securities.

Any margin loan will be secured by your equity shares. Rates are often below prime, applying is relatively easy, and these loans have very flexible repayment terms.

Loans are initially limited to 50% of the purchase price of your equity securities. Loan repayments are triggered when the value of your stock falls below the margin limit.

The negatives: Because borrowings are predicated on volatile stock values, a margin loan can be a risky proposition; if you default in repaying, the brokerage firm can sell your securities to satisfy the loan; an untimely sell-off can have a devastating effect on your portfolio and negative tax consequences.

The only safe way to consider a margin loan to finance your home-based business is to limit advances to a relative low ratio of your stock portfolio value – say, 25% or less.

Most of these financing methods are under your control and don’t require business plans or company financials to qualify. Although each of these methods has risks and disadvantages, so do most external methods of financing. Before proceeding with one of these financing methods, carefully consider the potential benefits, risks and consequences. Whatever you decide, it helps to know the options right under your nose.