Article by David Lamb

Since the financial crisis led the American economy off a cliff last fall, Fed Chairman Ben Bernanke has been trying to drive it the quick way back up the mountain. Lately though, as he realizes the quickest way is often the most dangerous, he

Italian officials found trillion of allegedly fake US Treasury bonds. The bonds were found hidden in makeshift compartments of three safety deposit boxes in Zurich. And to put it in perspective- 6 trillion dollars is almost half of the US’s public debt. An Italian anti-mafia task force arrested eight people in connection with the probe, dubbed “Operation Vulcanica,” The US embassy in Rome has examined the securities dated 1934, which had a nominal value of billion apiece. The Embassy tweeted, “Thanks to Italian authorities for the seizure of fictitious bonds for trillion,”

Article by Shimon Kureshi

In the last few years we have experienced a massive increase in do it yourself investors who have choosen to include rental real estate in their portfolios. As values increase, people seem to be naturally drawn to the market and often buy numerous revenue properties. When the market shifts and times are less appealing to the investor, a lot of these investors hit the road and sell off their investments at rates of return that would otherwise seem obsurd. This article will make an argument in favor of the buy and hold investment model of real estate investing.

First of all, lets examine the issue of customer service provided by a landlord to a tenant. Experienced landlords know that rental real estate is like any other business that required radical customer service and poor service leads to poor profits. Furthermore, it seems that news of a bad landlord spreads like wildfire through social circles and in extremely bad circumstances, through the media. A quick survey of your friends or other social circle will most certainly yield at leas 1 story relating to a landlord not providing their end of a tenancy contract, or fraudulently causing some degree of emotional or financial greif to a tenant. Most of these landlords are very new to the business. Being a professional landlord requires paitence, skill, and competence. In most cases, these skills can take up to 5 years just to learn. Those short term landlords of buy and flippers’, don’t usually have experience, don’t know how to deal with the tricky world of tenancy interaction and give the rest of us experienced landlords a bad name. A lot of the time, new landlords do not even know that what they are doing is either illegal or results in some form of distress for their tenants.

Finally, and most importantly lets examine the issue of mortgage financing. As an investor, a mortgage can be an extremely effective ally in the game of profiting. Unfortunately, in the short term the true benefits of mortgage money are rarely seen. Most of us will agree that, under normal mortgage terms, a 30 year mortgage will cost the borrower more in interest charges than the actual principal loan amount. The banks know this, and also know that few, if any investors will actually live out the entire term of their mortgage. As a result mortgage interest is not created or paid equally, in the first few years of a term the interest portion of the payment is greater than it is in the latter years of the term. If an investor is to sell of a property within a few years, no real debt reduction is encountered. As you can imagine, making mortgage payments that are comprised of 95% interest and a miniscule 5% principal reduction will not yield any significant return on investment for the mortgage holder.

As an investor who buys a rental property and hold on to ownership of if for the long term, one can experience exponential growth of an investment. The real economic benefits of being a landlord or real estate investor take years to see, selling off an asset cuts profitability short.

About the Author

Shamon Kureshi is the managing broker and founder of Hope Street Property Management, a Calgary Property Management Company that provides rental homes to thousands of individuals and families in a variety of sectors ranging from starter homes to executive mansions. Visit them at http://www.hopestreet.ca

Organic chemistry: Hybridization of atomic orbitals: sp3, sp2, and sp hybridizations. Sigma vs. pi bonds. Valence orbitals of unhybridized and hybridized atoms. Valence shell electron pair repulsion theory (VSEPR). Orbital geometry. Molecular geometry: tetrahedral, trigonal pyramidal, bent, trigonal planar, linear. Bond angles. Orbital diagrams for sigma and pi bonds in ethane, ethylene, and acetylene. This is a recording of a tutoring session, posted with the student’s permission. These videos are offered on a “pay-what-you-like” basis. You can pay for the use of the videos at my website: www.freelance-teacher.com For a list of all the available video series, arranged in suggested viewing order, go to my website. For a playlist containing all the videos in this series, click here: www.youtube.com (1) Hybridization of atomic orbitals. Sigma vs. pi bonds (2) Valence orbitals of unhybridized and hybridized atoms. Orbital geometry of sp3 and sp2 hybridized atoms (3) Continued. Orbital geometry of sp hybridized atoms. VSEPR and molecular geometry: tetrahedral, trigonal pyramidal. Bond angles (4) Molecular geometry: bent, trigonal planar, linear. (5) Orbital diagrams for sigma and pi bonds in ethane, ethylene, and acetylene (6) Problems

Download on iTunes: bit.ly Buy the album ‘Black And White’: bit.ly Get tickets to see Wretch 32′s forthcoming May tour here: tinyurl.com Forgiveness is Wretch 32′s latest single, taken from his album ‘Black And White’. Produced by Labrinth, Forgiveness features Etta Bond and is out now on Ministry of Sound/Levels Entertainment. www.wretch32.com http www.twitter.com
Video Rating: 4 / 5

Article by Edward D Parry

One of the oldest large cities of the world and steeped in tradition is the city of London, the largest in the United Kingdom. Befitting a former world power, London had grown from its humble beginning as a port at the River Thames to the top three financial capitals in the world; a position it shares with New York and Tokyo. Where once it became a hub for trading in commodities, London is now seeing a different kind of trade converging to its hallowed land area.Befitting its status of a major cosmopolitan in the world, London has a population count of nearly 29 million people living in more than 32 districts or dubbed London Boroughs. It has the most diverse of population base with more than 300 languages being spoken, all the major religions of the world practiced, and a myriad of cultures in existence. The city is generally divided into three major areas that is the ancient City of London, the metropolitan area and finally, Greater London where the major residential areas reside.Being old can be a setback sometimes for a city that wants to remain in the forefront of an ever progressing world, but in London the old and the modern exists hand in hand making for a unique architectural scene which can only be found in this sprawling city. It dominant role as a major financial centre benefits from having a commercial hub that is completely connected to the major banks and financial centre all over the world. As such the city of London plays a very important role in cross border lending, bond markets, foreign exchange activities, derivatives and spot trading, insurances as well as broking.Given the extensive experience in the field of finance, it is therefore of no surprise to know that the property market is also well regulated. Anyone wanting to purchase a good property in London has at his or her disposal a vast number of property agents to assist them. The only problem lay in the fact that London in itself is a huge city which means that you have to be really knowledgeable about the city as to choose a suitable area from which to choose your dream house.There are a good number of options open to a potential property buyer where the city is concerned. Advertisements are good source to check out the range of home available in the market as well as the current rates in each residential zone. With an extensive and well connected public transport system, choosing a place which is out of the way would be a bit difficult, though not entirely impossible. Fulham, for example, has terrible connectivity especially for those looking to commute on a daily basis during peak hours, but as a place where you laze around and come out as and when you to, there is no better suburb to choose from.Another option potential house buyers should consider is the London property auctions where some good value homes could be found. It is a good idea to employ estate agents to help you in the process for several practical reasons. Estate agents would know the area which you particularly prefer like the back of his or her hands. They would also know if the reserve price stated for the auction is an appropriate value as you do not want to be stuck with a property that is overvalued in its pricing due to, say, unpaid mortgages. Having an estate agent around also helped the potential buyer in understanding the basic demography of the area where the choice property resides.London Property Auctions, while a good place to start looking for choice property at good value, might not be an appropriate choice if you are looking for a high end property. Auctioned properties are often properties of which defaults are in place, so they might need some extensive work before you are able to move in. Although the returns can be quite handsome for those willing to have a go at it, it is doubtful that those looking for a high end property would belong to this group. To them, estate agents should zoom to the right market immediately instead of dabbling around in auction or advertisements.As a general idea, those looking for expensive property would not go wrong with fashionable areas such as Chelsea, Notting Hill and Knightsbridge, to name a few. Be ready to part with millions if you really wish to have a particular home in these residential zones in the West London area. The area is also close to London’s main entertainment area which is West End, where Oxford Street, Leicester Square, Piccadily as well as Convent Garden is within sight.

About the Author

Edward Parry is a leading expert in property acquisitions and advices on going to property auctions to secure below market price properties.Get more information regarding London property auctions.