This document discusses important considerations for buying an investment property, including having adequate funds, investing for the long-term, and seeking expert advice. The type and location of the property will impact returns, so investors should carefully research options before purchasing. Getting the right financing is also key to ensure the investment is profitable and does not burden the investor with high interest costs.
This document summarizes various money market instruments and investment avenues. It discusses traditional money market instruments like treasury bills, certificates of deposit, and commercial paper. It also discusses modern money market instruments like repo instruments, money market mutual funds, and inter-corporate deposits. Equity investments discussed include stocks, limited partnerships, private placements, and American/global depository receipts. Preferred stocks and hybrid securities are also summarized. Real estate investments are noted to provide capital appreciation, income from rents, and tax benefits.
Capital Market and Investment Avenues-B.V.RaghunandanSVS College
The document discusses various capital market investment avenues. It describes the capital market as a market for long-term funds involving securities with a life of over one year. Some key investment opportunities discussed include equity shares, preference shares, debentures, bonds, and mutual funds. The document provides an overview of the primary and secondary equity markets. It also outlines various strategies for investing in the stock market and highlights opportunities and risks to consider when evaluating different capital market investments.
This module discusses investment planning. It begins by explaining the importance of investment planning in the overall financial planning process. It then covers types of investment products and their associated risks and returns. The module discusses how to evaluate investment choices based on a client's goals and needs. It also explains how to create, monitor, and rebalance client portfolios over time. The module teaches how to recommend an appropriate investment portfolio for a client. It emphasizes that higher potential returns generally come with higher risks. Throughout, the module focuses on balancing risks and returns for clients based on their individual risk tolerance and time horizons.
The document provides information about the Franklin India Bluechip mutual fund scheme. It describes the scheme as an open-ended growth scheme that primarily aims to provide medium to long-term capital appreciation by investing in large-cap stocks. Key details are provided such as the scheme's objectives, features, benchmark, asset size, minimum investment amount, and load details. The top ten holdings of the fund are also listed.
1) The document discusses various investment options such as real estate, precious metals, equity, mutual funds, life insurance policies.
2) It recommends investing 20% of the total funds (Rs. 1 crore) in real estate property in Kharghar, Mumbai and another 20% (Rs. 1 crore) in gold as precious metals.
3) It suggests investing 25% (Rs. 1.25 crore) in equities like HUL shares and another 25% (Rs. 1.25 crore) in the BNP Paribas mutual fund.
4) The remaining 10% (Rs. 50 lakhs) is recommended for investment in a LIC life insurance policy
This document discusses various investment avenues available in India. It outlines essential features of investments such as safety, liquidity, income, growth, legality and tax implications. Some key investment alternatives mentioned include bank deposits, post office schemes, company fixed deposits, public provident fund, equity shares, bonds, money market instruments, financial derivatives, mutual funds, life insurance and real estate. The document provides brief descriptions of these different investment types.
This document provides an introduction and overview of mutual funds in India. It defines a mutual fund as a trust that pools money from investors and invests it in stocks, bonds, and other securities according to the fund's objectives. Investors receive units in proportion to their investment and share in the gains or losses of the fund. The key benefits of mutual funds are diversification of risk and professional management at a low cost. It then discusses the concept of mutual funds in more detail, including how funds are structured and how returns are calculated and distributed to unit holders.
This document summarizes various money market instruments and investment avenues. It discusses traditional money market instruments like treasury bills, certificates of deposit, and commercial paper. It also discusses modern money market instruments like repo instruments, money market mutual funds, and inter-corporate deposits. Equity investments discussed include stocks, limited partnerships, private placements, and American/global depository receipts. Preferred stocks and hybrid securities are also summarized. Real estate investments are noted to provide capital appreciation, income from rents, and tax benefits.
Capital Market and Investment Avenues-B.V.RaghunandanSVS College
The document discusses various capital market investment avenues. It describes the capital market as a market for long-term funds involving securities with a life of over one year. Some key investment opportunities discussed include equity shares, preference shares, debentures, bonds, and mutual funds. The document provides an overview of the primary and secondary equity markets. It also outlines various strategies for investing in the stock market and highlights opportunities and risks to consider when evaluating different capital market investments.
This module discusses investment planning. It begins by explaining the importance of investment planning in the overall financial planning process. It then covers types of investment products and their associated risks and returns. The module discusses how to evaluate investment choices based on a client's goals and needs. It also explains how to create, monitor, and rebalance client portfolios over time. The module teaches how to recommend an appropriate investment portfolio for a client. It emphasizes that higher potential returns generally come with higher risks. Throughout, the module focuses on balancing risks and returns for clients based on their individual risk tolerance and time horizons.
The document provides information about the Franklin India Bluechip mutual fund scheme. It describes the scheme as an open-ended growth scheme that primarily aims to provide medium to long-term capital appreciation by investing in large-cap stocks. Key details are provided such as the scheme's objectives, features, benchmark, asset size, minimum investment amount, and load details. The top ten holdings of the fund are also listed.
1) The document discusses various investment options such as real estate, precious metals, equity, mutual funds, life insurance policies.
2) It recommends investing 20% of the total funds (Rs. 1 crore) in real estate property in Kharghar, Mumbai and another 20% (Rs. 1 crore) in gold as precious metals.
3) It suggests investing 25% (Rs. 1.25 crore) in equities like HUL shares and another 25% (Rs. 1.25 crore) in the BNP Paribas mutual fund.
4) The remaining 10% (Rs. 50 lakhs) is recommended for investment in a LIC life insurance policy
This document discusses various investment avenues available in India. It outlines essential features of investments such as safety, liquidity, income, growth, legality and tax implications. Some key investment alternatives mentioned include bank deposits, post office schemes, company fixed deposits, public provident fund, equity shares, bonds, money market instruments, financial derivatives, mutual funds, life insurance and real estate. The document provides brief descriptions of these different investment types.
This document provides an introduction and overview of mutual funds in India. It defines a mutual fund as a trust that pools money from investors and invests it in stocks, bonds, and other securities according to the fund's objectives. Investors receive units in proportion to their investment and share in the gains or losses of the fund. The key benefits of mutual funds are diversification of risk and professional management at a low cost. It then discusses the concept of mutual funds in more detail, including how funds are structured and how returns are calculated and distributed to unit holders.
There are many investment options available for stock market and mutual fund investing, including purchasing and selling stocks, mutual funds, day trading, trading penny stocks, and bonds. Stocks allow individuals to own a small part of a company, while mutual funds provide ownership of multiple stocks and bonds in a single investment. Day trading and penny stocks are considered riskier options that involve quick buying and selling. Bonds represent loans to companies and agencies that provide fixed returns. The key is choosing the investment types that suit one's goals and risk tolerance.
This document provides an overview of key concepts related to investment including what investment is, the needs it fulfills, inflation and how it impacts returns, different asset classes and their typical returns, golden rules of investing, steps to take when investing, interest rates and factors that influence them, short-term and long-term financial investment options like savings accounts, fixed deposits, mutual funds, shares, bonds, derivatives and more. The document aims to educate readers on fundamental investment principles.
The document provides an introduction to sukuk, which are Sharia-compliant financial certificates similar to bonds. It defines sukuk and distinguishes them from conventional interest-bearing bonds. Two common types of sukuk are then described in more detail: sukuk al-ijara, where assets are sold and leased back, and sukuk al-mudaraba, which establishes a mudaraba (profit-sharing) partnership. The document also discusses regulation of sukuk and perimeter issues regarding whether they constitute collective investment schemes or debt obligations. It concludes by considering lessons learned from early sukuk structures and expectations for increased standardization and greater use of al-ijara contracts in the future.
Investment involves deploying funds with the expectation of earning a return. Return is variable and uncertain, with the level of risk associated with the potential return. The main objectives of investment are to maximize return for a given level of risk, minimize risk for a given level of return, and hedge against inflation. Investments can be grouped into ownership, lending, and cash equivalents. Different individuals choose different investment avenues depending on factors like their age, income, risk tolerance, and goals.
This article will describe about an overview of derivatives in Islamic Finance. Derivative is a "claim on a claim" the value of the derivative will depend on the value of the asset (stocks, bonds, etc) on which it has a claim.
The document discusses investment management and provides details on various topics related to investment. It defines investment as sacrificing present value for uncertain future reward. It also discusses the investment environment including securities, markets, and financial intermediaries. It outlines various investment alternatives such as money market instruments, capital market instruments, derivative securities, real assets, and other options. It also discusses the investment process, factors affecting investment alternatives, and career opportunities in the investment field such as security analyst, portfolio manager, and investment banker.
This document discusses how individual retirement accounts (IRAs) can be used as versatile financial tools to accomplish savings goals. It notes that IRAs allow saving for retirement, reducing current or future taxes depending on the type of IRA (traditional or Roth), and passing wealth to future generations. The document also mentions that IRAs can be used to save for a child's future if they have earned income through work.
A mutual fund is an investment tool that pools money from many investors and invests it in stocks, bonds, and other securities. The main benefits of mutual funds are diversification of risk, professional management, low costs, and liquidity. There are several types of mutual funds categorized by investment objectives (growth, income, balanced), duration (open-ended, close-ended, interval), asset classes (equity, debt, balanced), and tax treatment (tax-saving). The level of risk and expected returns vary depending on the type of mutual fund. Overall, mutual funds provide investors an easy and low-cost way to achieve diversification and access a wide range of investment opportunities.
Investment Securities. alternatives & attributesASAD ALI
This document discusses investment alternatives and their attributes. It describes direct and indirect investing. Direct investing includes non-marketable assets like savings deposits and money market securities like T-bills. Capital market securities include fixed income bonds and equity securities like stocks. Indirect investing is through investment companies like mutual funds. The document also discusses different types of stocks and attributes investors should consider like risk, return, marketability and taxes to evaluate investments.
Mutual fund valuation and accounting notes @ bec doms Babasab Patil
The document discusses mutual funds and their accounting. It states that mutual funds pool investor money and invest it in stocks, bonds, and other securities. It is important for distributors and employees to understand how mutual funds are accounted for and how net asset value is calculated, as this allows them to assess fund performance and explain it to investors. The document also provides definitions of mutual funds from various sources to understand their meaning.
This document provides an introduction to investment terminology and concepts. It defines key terms like finance, investment, investor, and differentiates investment from speculation and gambling. It also outlines the major participants in the financial system including households, businesses, governments, banks, insurers, pension funds, and mutual funds. Finally, it describes different types of financial securities and markets.
This document discusses how stock market transactions occur. It describes how investors place orders with brokers to buy and sell stocks. It also discusses different order types like market orders, limit orders, and stop orders. The document then covers margin trading, short selling, and investing in stock indexes. It explains how trades are executed, including the roles of floor brokers, specialists, and market makers. It also discusses how electronic communication networks and program trading have changed how orders are handled.
Short sellers borrow securities from brokers and sell them, hoping to profit if the price declines by buying them back at a lower price later. However, if the price rises sharply instead, it can trigger a "short squeeze" where short sellers rush to cover their positions by buying back the securities, driving the price up further. This vicious cycle of rising prices and demand can squeeze short sellers and cause significant losses. Brokers may also issue margin calls if prices rise, requiring short sellers to post more collateral or forcing the brokers to cover positions using other account assets. An example is when the Swiss National Bank's decision to unpeg the Swiss franc from the euro triggered a massive franc rally that squeezed short sellers.
The document discusses investment, which involves allocating funds to assets with the goal of earning income or capital appreciation over time. Speculation also aims to profit from price fluctuations but seeks short-term gains. Key investment objectives include achieving a good return, managing risk, ensuring liquidity, hedging against inflation, and selecting safe avenues. The investment process involves framing a policy, analyzing opportunities, valuing assets, constructing a portfolio, and evaluating performance. Common investment instruments are stocks, bonds, money market tools, mutual funds, derivatives, bank deposits, insurance policies, and real estate.
This document provides an overview of investments and the investment decision process. It aims to help readers understand investments as currently practiced, make investment decisions that enhance economic welfare, and set realistic expectations about outcomes. Key points covered include defining investments, why studying investments is important, the tradeoff between expected return and risk, factors like security analysis and portfolio management that influence the investment decision process, and uncertainties that dominate investment decisions.
This document defines asset classes and discusses their five main categories. It explains that an asset class is a group of similar investment options that function in like manner and have comparable properties and regulations. The five categories of asset classes are stocks/equities, fixed income, real estate, money market funds, and futures/derivatives. Each category is then briefly described in terms of example investments, risks, and advantages.
1) A securities-based line of credit allows real estate investors to use their investment portfolios as collateral for cash loans to fund real estate projects.
2) Traditional sources of real estate financing have dried up, imposing higher requirements, but a securities-based line of credit offers greater flexibility and lower rates.
3) Interested investors can contact Mark Tenzer at Tenzer Partners for non-obligatory quotes and to learn more about using a securities-based line of credit.
Investment Speculation and Gambling in Equity marketLyna Zolhan
Speculation in equity markets is permissible under Islamic law if certain conditions are met. While speculation appears similar to gambling, it differs in that it involves analyzing available information to anticipate price movements, rather than relying solely on chance. For speculation to be valid, the transaction terms must be clear to both parties with no ambiguity, and the commodity being exchanged must be available at the time of purchase and delivery. Reasonable speculation helps activate markets and stabilize prices, but excessive speculation should be avoided. Investing in shares of companies that comply with Shariah rulings is permissible according to Islamic scholars.
This document provides guidance on networking for busy business people. It discusses that networking is essential for businesses to operate successfully as it allows them to build relationships and obtain referrals. While networking takes time, business people see it as important for developing contacts that can provide future business opportunities. The document emphasizes being genuine and trusting in order to build strong business relationships, as people prefer doing business with those they like and can rely on.
Amy Childs has quit The Only Way Is Essex after her plan to appear on Celebrity Big Brother was rejected by ITV2 executives. Amy was offered £200,000 to go on Celebrity Big Brother but bosses did not want TOWIE stars crossing over to other reality shows.
This magazine document shows the cover of a magazine called SPARKLE with headlines about celebrity gossip stories including whether Justin Bieber is a dad, pictures of pregnant celebrities, Little Mix winning The X Factor, Christmas fashion and hairstyles, Amy Childs leaving The Only Way is Essex, the 5 best going out outfits under £50, and having a good hair week. The magazine focuses on celebrity and entertainment news, fashion, and lifestyle stories.
There are many investment options available for stock market and mutual fund investing, including purchasing and selling stocks, mutual funds, day trading, trading penny stocks, and bonds. Stocks allow individuals to own a small part of a company, while mutual funds provide ownership of multiple stocks and bonds in a single investment. Day trading and penny stocks are considered riskier options that involve quick buying and selling. Bonds represent loans to companies and agencies that provide fixed returns. The key is choosing the investment types that suit one's goals and risk tolerance.
This document provides an overview of key concepts related to investment including what investment is, the needs it fulfills, inflation and how it impacts returns, different asset classes and their typical returns, golden rules of investing, steps to take when investing, interest rates and factors that influence them, short-term and long-term financial investment options like savings accounts, fixed deposits, mutual funds, shares, bonds, derivatives and more. The document aims to educate readers on fundamental investment principles.
The document provides an introduction to sukuk, which are Sharia-compliant financial certificates similar to bonds. It defines sukuk and distinguishes them from conventional interest-bearing bonds. Two common types of sukuk are then described in more detail: sukuk al-ijara, where assets are sold and leased back, and sukuk al-mudaraba, which establishes a mudaraba (profit-sharing) partnership. The document also discusses regulation of sukuk and perimeter issues regarding whether they constitute collective investment schemes or debt obligations. It concludes by considering lessons learned from early sukuk structures and expectations for increased standardization and greater use of al-ijara contracts in the future.
Investment involves deploying funds with the expectation of earning a return. Return is variable and uncertain, with the level of risk associated with the potential return. The main objectives of investment are to maximize return for a given level of risk, minimize risk for a given level of return, and hedge against inflation. Investments can be grouped into ownership, lending, and cash equivalents. Different individuals choose different investment avenues depending on factors like their age, income, risk tolerance, and goals.
This article will describe about an overview of derivatives in Islamic Finance. Derivative is a "claim on a claim" the value of the derivative will depend on the value of the asset (stocks, bonds, etc) on which it has a claim.
The document discusses investment management and provides details on various topics related to investment. It defines investment as sacrificing present value for uncertain future reward. It also discusses the investment environment including securities, markets, and financial intermediaries. It outlines various investment alternatives such as money market instruments, capital market instruments, derivative securities, real assets, and other options. It also discusses the investment process, factors affecting investment alternatives, and career opportunities in the investment field such as security analyst, portfolio manager, and investment banker.
This document discusses how individual retirement accounts (IRAs) can be used as versatile financial tools to accomplish savings goals. It notes that IRAs allow saving for retirement, reducing current or future taxes depending on the type of IRA (traditional or Roth), and passing wealth to future generations. The document also mentions that IRAs can be used to save for a child's future if they have earned income through work.
A mutual fund is an investment tool that pools money from many investors and invests it in stocks, bonds, and other securities. The main benefits of mutual funds are diversification of risk, professional management, low costs, and liquidity. There are several types of mutual funds categorized by investment objectives (growth, income, balanced), duration (open-ended, close-ended, interval), asset classes (equity, debt, balanced), and tax treatment (tax-saving). The level of risk and expected returns vary depending on the type of mutual fund. Overall, mutual funds provide investors an easy and low-cost way to achieve diversification and access a wide range of investment opportunities.
Investment Securities. alternatives & attributesASAD ALI
This document discusses investment alternatives and their attributes. It describes direct and indirect investing. Direct investing includes non-marketable assets like savings deposits and money market securities like T-bills. Capital market securities include fixed income bonds and equity securities like stocks. Indirect investing is through investment companies like mutual funds. The document also discusses different types of stocks and attributes investors should consider like risk, return, marketability and taxes to evaluate investments.
Mutual fund valuation and accounting notes @ bec doms Babasab Patil
The document discusses mutual funds and their accounting. It states that mutual funds pool investor money and invest it in stocks, bonds, and other securities. It is important for distributors and employees to understand how mutual funds are accounted for and how net asset value is calculated, as this allows them to assess fund performance and explain it to investors. The document also provides definitions of mutual funds from various sources to understand their meaning.
This document provides an introduction to investment terminology and concepts. It defines key terms like finance, investment, investor, and differentiates investment from speculation and gambling. It also outlines the major participants in the financial system including households, businesses, governments, banks, insurers, pension funds, and mutual funds. Finally, it describes different types of financial securities and markets.
This document discusses how stock market transactions occur. It describes how investors place orders with brokers to buy and sell stocks. It also discusses different order types like market orders, limit orders, and stop orders. The document then covers margin trading, short selling, and investing in stock indexes. It explains how trades are executed, including the roles of floor brokers, specialists, and market makers. It also discusses how electronic communication networks and program trading have changed how orders are handled.
Short sellers borrow securities from brokers and sell them, hoping to profit if the price declines by buying them back at a lower price later. However, if the price rises sharply instead, it can trigger a "short squeeze" where short sellers rush to cover their positions by buying back the securities, driving the price up further. This vicious cycle of rising prices and demand can squeeze short sellers and cause significant losses. Brokers may also issue margin calls if prices rise, requiring short sellers to post more collateral or forcing the brokers to cover positions using other account assets. An example is when the Swiss National Bank's decision to unpeg the Swiss franc from the euro triggered a massive franc rally that squeezed short sellers.
The document discusses investment, which involves allocating funds to assets with the goal of earning income or capital appreciation over time. Speculation also aims to profit from price fluctuations but seeks short-term gains. Key investment objectives include achieving a good return, managing risk, ensuring liquidity, hedging against inflation, and selecting safe avenues. The investment process involves framing a policy, analyzing opportunities, valuing assets, constructing a portfolio, and evaluating performance. Common investment instruments are stocks, bonds, money market tools, mutual funds, derivatives, bank deposits, insurance policies, and real estate.
This document provides an overview of investments and the investment decision process. It aims to help readers understand investments as currently practiced, make investment decisions that enhance economic welfare, and set realistic expectations about outcomes. Key points covered include defining investments, why studying investments is important, the tradeoff between expected return and risk, factors like security analysis and portfolio management that influence the investment decision process, and uncertainties that dominate investment decisions.
This document defines asset classes and discusses their five main categories. It explains that an asset class is a group of similar investment options that function in like manner and have comparable properties and regulations. The five categories of asset classes are stocks/equities, fixed income, real estate, money market funds, and futures/derivatives. Each category is then briefly described in terms of example investments, risks, and advantages.
1) A securities-based line of credit allows real estate investors to use their investment portfolios as collateral for cash loans to fund real estate projects.
2) Traditional sources of real estate financing have dried up, imposing higher requirements, but a securities-based line of credit offers greater flexibility and lower rates.
3) Interested investors can contact Mark Tenzer at Tenzer Partners for non-obligatory quotes and to learn more about using a securities-based line of credit.
Investment Speculation and Gambling in Equity marketLyna Zolhan
Speculation in equity markets is permissible under Islamic law if certain conditions are met. While speculation appears similar to gambling, it differs in that it involves analyzing available information to anticipate price movements, rather than relying solely on chance. For speculation to be valid, the transaction terms must be clear to both parties with no ambiguity, and the commodity being exchanged must be available at the time of purchase and delivery. Reasonable speculation helps activate markets and stabilize prices, but excessive speculation should be avoided. Investing in shares of companies that comply with Shariah rulings is permissible according to Islamic scholars.
This document provides guidance on networking for busy business people. It discusses that networking is essential for businesses to operate successfully as it allows them to build relationships and obtain referrals. While networking takes time, business people see it as important for developing contacts that can provide future business opportunities. The document emphasizes being genuine and trusting in order to build strong business relationships, as people prefer doing business with those they like and can rely on.
Amy Childs has quit The Only Way Is Essex after her plan to appear on Celebrity Big Brother was rejected by ITV2 executives. Amy was offered £200,000 to go on Celebrity Big Brother but bosses did not want TOWIE stars crossing over to other reality shows.
This magazine document shows the cover of a magazine called SPARKLE with headlines about celebrity gossip stories including whether Justin Bieber is a dad, pictures of pregnant celebrities, Little Mix winning The X Factor, Christmas fashion and hairstyles, Amy Childs leaving The Only Way is Essex, the 5 best going out outfits under £50, and having a good hair week. The magazine focuses on celebrity and entertainment news, fashion, and lifestyle stories.
The document describes the main components of the Visual Basic work environment including the main window, menu bar, toolbar, and toolbox. It explains how events work and how they are handled through event procedures. Common user actions that trigger events are starting the program, pressing keys, mouse movements, and closing the program. The document provides steps for creating a Visual Basic application using the wizard, including selecting project options and interface elements. It describes how to view and run the generated code.
The ultimate fast-track guide to PRINCE2 for PMP credential holdersAlison Wood
For PRINCE2 courses visit this link: http://www.knowledgetrain.co.uk/prince2-training-courses.php
There is some good news to share to those of you who hold PMP or CAPM credentials. You are now potentially able to fast-track your route to gaining PRINCE2 certification! In 2014, AXELOS the PRINCE2 accreditation body relaxed its pre-requisites for taking the PRINCE2 Practitioner exam. The new rules state that PMP and CAPM credential holders no longer need to sit the PRINCE2 Foundation exam before the Practitioner. What a great way to save you money!
This guide is designed for PMP and CAPM credential holders who may be interested in becoming PRINCE2 certified. The guide will help you get to grips with PRINCE2 by looking at some of the key differences and similarities between that and the PMBOK Guide.
I’d urge all PMP and CAPM credential holders to at least take a look at the guide. The fast-track option for PRINCE2 is too good an opportunity to miss!
Guida pratica alla costruzione di edifici a basso consumo energetico (Classe A), contenente consigli e valutazioni su come operare al meglio per raggiungere l'obiettivo di efficienza energetica e comfort abitativo.
This document contains random symbols and characters with no coherent meaning or message. It does not provide any essential information that could be summarized in 3 sentences or less.
The document discusses human resource management in the Philippine Civil Service, which refers to managing, developing, and utilizing people's qualifications, competencies, talents, and potentials towards achieving organizational vision and excellence. It involves applying principles and processes to engage people in accordance with civil service laws, assessing and building people's capacities through appropriate interventions, and facilitating strategic change through organizational diagnosis and interventions.
High Blood Pressure And High Cholesterol February ConferenceNancy Shields
In February of this year, I created a presentation for all LISD faculty and staff. I presented at our February Conference for continuing education. This was both a personal and professional victory for me. I was celebrating the loss of 69 pounds, as well as my joy in being able to share information I found helpful with others. I hope you enjoy the presentation, too.
[Business Case COXIBIZ] Challenge de recrutement métier - Meet my jobAmélie Collinet
Coxibiz a organisé pour Meet my job un challenge de recrutement en ligne pour le recrutement d'un community manager.
Les plus:
- une expérience immersive dans l'univers de la start-up Meet my job,
- Pour le recrutement, moins d'erreur de recrutement en mettant les candidats dans la peau d'un community manager,
- Un recrutement innovant, centré sur le talent, qui a permit de rencontrer des talents atypiques
This document summarizes an ophthalmic referral management system called evolutio. The system centralizes and standardizes referrals to ensure efficient use of secondary and community care. It aims to reduce referrals, enhance community care, shorten waiting times, and alleviate administrative burden in order to improve patient care and reduce costs. The system has been tested in Suffolk and resulted in a significant reduction in referrals and outpatient appointments as well as budget savings through increased referrals handled in the community.
Presented during the Regional Change Management Team Conversation at CSC RO5 in October 2015 as part of my Learning Application Plan in connection with my attendance to the Public Management Development Program Senior Executives Class Batch 4 at the Development Academy of the Philippines.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise causes chemical changes in the brain that may help boost feelings of calmness, happiness and focus.
This document provides guidelines for nominating government officials and employees for the 2013 Presidential Lingkod Bayan Awards and Civil Service Commission Pagasa Awards. It outlines the eligibility requirements, categories of awards, nomination process and required documents. Nominees must have outstanding work performance accomplishments or have demonstrated exemplary conduct and ethical behavior within the last three years. Nominations require detailed summaries of accomplishments, certifications, and clearances. Government agencies can nominate multiple candidates provided they meet all qualifications.
This document provides an overview of collective negotiation agreements (CNAs) in the Philippines. It defines a CNA and outlines the steps to create one, including negotiation between management and unions, approval by employees, and signing by both parties. Key elements of CNAs like scope, union recognition, and grievance procedures are described. The document discusses negotiable topics like work schedules and benefits, as well as non-negotiable items set by law. Sample ground rules for negotiations and the registration process for CNAs are also summarized.
The document provides information about property investing, including considerations for getting started, finding potential properties, analyzing properties, buying investment properties, overhauling properties, and marketing strategies. It discusses deciding on an investment type, conducting due diligence inspections, preparing adequate financing, and ensuring properties are within a reasonable distance. Methods for analyzing property returns include gross yield, net yield, and cash flow yield calculations. The marketing section suggests highlighting unique features, advertising to the target audience, spreading through word of mouth, and holding open houses.
The document provides tips for real estate investors on building an effective investment team and finding financing for real estate deals. It advises investors to work with reputable brokers, inspectors, contractors, and lenders to maximize investment success. For financing, it recommends considering private money lenders who can act swiftly and negotiate flexible terms for deals that don't meet banks' criteria. Overall, the document emphasizes the importance of preparing properly by analyzing deals carefully, inspecting properties thoroughly, and communicating positively with lenders.
Zack knows how to run a business from experience and perseverance; and those two provide the key combination to unlocking your financial freedom, by learning through him.
Visit The following link to Know more: http://www.co-wholesaling.com/
The document outlines 10 mistakes to avoid in real estate investing. These include not having specific investment criteria, wanting to get rich quick without understanding it is a long-term investment, acting alone without a team of professionals, overpaying for properties, doing haphazard research on properties and builders, ignoring additional costs, making emotional rather than financial decisions on investments, hiring inexperienced consultants, being unorganized, and neglecting maintenance investments. The key is to research thoroughly, understand all costs, hire experienced professionals, invest strategically for long-term returns, and maintain properties appropriately.
This document provides information to help readers choose an appropriate loan for a property investment. It discusses how the right loan can influence cash flow and returns. It then introduces Mortgage Choice, who can help investors understand their borrowing capacity and recommend suitable loan options. Key services mentioned are providing estimates of potential rental income and repayments to help narrow a property search.
Factors To Focus On While Investing In Ongoing Real Estate Projects.pdfMICL Group
In addition, it is vital to have a clear exit strategy from the start. If you are planning to invest in real estate, then Aradhya EVOQ is one of the best options. This project offers 3&4 BHK Flats in Juhu with top-notch amenities and excellent connectivity.
https://www.micl.com/project/aaradhya-evoq/
Real estate investments can provide higher returns than stocks and bonds through various means. Rental returns on properties provide income, while appreciation over time and inflation lead to increased property values. Leveraging allows investors to purchase multiple properties with a down payment on one, increasing returns. Paying down loans over time frees up equity that can be used to purchase more properties. Repairing and improving properties can raise their values above the costs. Overall, real estate offers diverse income streams not found with other asset types.
Real estate investment is a lucrative way to build wealth and secure your financial future. It is especially suitable for women who are looking to diversify their investment portfolio. Although it might seem intimidating at first, with the right guidance and information, you can make informed decisions and achieve success in the real estate market. In this step-by-step guide, we'll walk you through the process of getting started in real estate investment as a woman.
Naturally, MF distribution does not encompass single-family houses. The less apparent fact is that both residential multi-family homes and smaller units (two between four and 70 units respectively) provide fewer benefits when compared to MF properties that are typically classified as having 70plus units. In any case you should focus your efforts on commercial MF properties to benefit from some of the benefits. These benefits include the notions that Naturally, MF distribution does not encompass single-family houses. The less apparent fact is that both residential multi-family homes and smaller units (two between four and 70 units respectively) provide fewer benefits when compared to MF properties that are typically classified as having 70plus units. In any case you should focus your efforts on commercial MF properties to benefit from some of the benefits. These benefits include the notions that
• They're large enough to allow you to employ an on-site property manager
• They're typically financed with an recourse loan, which means that the bank is not able to seek the owner's personal assets when they fail to pay
• And are typically evaluated in terms of income (NOI/CAP) rather than market comparable.
Investing in Commercial Property (Series: Real Estate Investing 101 - 2020) Financial Poise
Before taking the plunge into commercial real estate investing, one should have a clear understanding of how to select the right location, preferred type and class of property, what due diligence to do, how to secure financing, how to negotiate a deal, and how to manage the property going forward as a commercial landlord. This Financial Poise panel explains the process from looking for the investment, to contract, to closing, and beyond.
To view the accompanying webinar, go to: https://www.financialpoise.com/financial-poise-webinars/investing-in-commercial-property-2020/
Zack childress smart tips for real estate investingZack Childress
Many people are wondering what real estate investing is all about. Even if you’re a small real estate investor, you will still have high earning potential.
WORKING ANALYSIS OF ORGANISATION IN REAL ESTATEAmaan Khan
This document provides information about a summer training report submitted by Amaan Khan for their Bachelor of Business Administration degree. The report includes an introduction to the real estate sector, a profile of the organization where the training took place (Earth Infra Venture Private Limited), and outlines of various chapters that will analyze the real estate industry in India and the author's experiences. The organization is a leading real estate marketing company that offers residential and commercial properties developed by well-known builders.
A project report on "working analysis of organisation in Real estate and cons...amaan Khan
This document is a summer training report submitted by Amaan Khan to Sherwood College of Professional Management in partial fulfillment of the requirements for a Bachelor of Business Administration degree. The report discusses a summer training undertaken at Earth Infra Venture Private Limited, a leading real estate company in India. It provides an overview of the real estate sector and Earth Infra's profile, including its origin, growth, present status and ongoing projects. The report also covers topics like consumer behavior in real estate, careers in real estate, and limitations of the industry.
14 Things Every Investor Should Know About Commercial Real EstateKatchen Company
This document discusses reasons to invest in commercial real estate and tips for commercial real estate investing. It outlines four main reasons to invest: 1) cash flow from rents, 2) principal reduction as tenants make mortgage payments, 3) tax benefits from depreciation, and 4) appreciation as property values increase. It then provides 10 tips for commercial real estate investing, such as thinking big, taking time to research deals, obtaining financing in advance, and partnering with experienced professionals.
This document provides information about strategies for real estate investing. It discusses determining if real estate investing is suitable based on factors like available funds, risk tolerance, and time commitment. It also outlines steps for a first real estate investment, including educating yourself on the market and transaction process, getting pre-approved financing, and conducting due diligence on potential properties. The document continues by covering additional strategies like profiting from real estate, managing risk exposure, timing purchases and sales, and saving on small expenses.
The document provides information on strategies for real estate investing, including the sales process and other considerations. In chapter 1, it discusses determining if real estate investing is suitable, making a first investment, and strategies like profiting, managing risk, timing purchases and sales, and saving money. Chapter 2 covers flipping properties, the sales process such as financing, inspections, marketing and negotiating. Chapter 3 discusses other factors like real estate law, taxes, property types, and alternative investments. The document aims to educate new real estate investors on navigating transactions and maximizing returns.
This document provides terms and conditions for a book on loans. It states that while the publisher has tried to be accurate, the contents may not be fully accurate due to the changing nature of information. It also notes that any perceived issues with specific groups are unintentional. The document encourages readers to rely on their own judgment and seek professional advice as needed. It also notes the book is not intended as a source of legal, business, or financial advice.
This document discusses various approaches to investing in property, focusing on residential property investments. It outlines some of the key reasons why property investing has become popular, including the familiarity and comfort people have with property, and the ability to use leverage through mortgages. The document then examines different types of residential property investments including home ownership, which provides tax advantages but less liquidity, and buy-to-let properties, which generate rental income but involve management responsibilities. It analyzes some of the risks and benefits of each approach.
This document provides an introduction to investing and key concepts like risk and return. It explains that balancing risk and return is important for achieving financial goals. While higher risk investments offer potential for greater returns, they also carry more uncertainty. The document advocates diversifying investments across different asset classes like stocks, bonds, property and cash to reduce risk. It provides data showing how various asset classes have performed over time, with higher risk assets generally providing higher average returns but also more variability in returns. The key is choosing an appropriate mix of assets based on an individual's risk tolerance and time horizon.
This document provides an overview of mortgage investing. It discusses what a mortgage is, the advantages of owning mortgages such as high returns and safety due to low loan-to-value ratios. It describes how wraparound mortgages can provide increased yields for investors by charging interest on both the underlying first mortgage and new funds. The document emphasizes that private mortgage lenders can make loans faster than banks, though borrowers pay higher interest rates for this speed. Overall security for investors comes from securing loans with real property that can be foreclosed on if needed.
This document provides guidance on how to successfully create and market instructional videos online. It discusses finding a profitable niche, researching that niche to understand consumer problems, selecting relevant keywords, setting up a website, and creating videos using screen capture, slideshow, or webcam formats. The document also offers tips for uploading videos and marketing them through forums, document sharing sites, social media, blog comments, and YouTube channels to generate traffic and sales.
This document provides an overview of the home business and multi-level marketing industry. It discusses how health and wellness is a powerful industry to target through MLM. It briefly highlights some award-winning business ideas from Paul Zane Pilzer, including his books "Other People's Money" and "Unlimited Wealth" which predicted economic trends. The document also notes that MLM is well-suited for the health industry given the global demand for weight loss and wellness products.
This document outlines terms and conditions for a personal development guide. It notes that while efforts were made to verify the guide's contents, errors may exist given the changing nature of information. It advises readers to rely on their own judgment and seek professional advice. The document also encourages printing the guide for easy reading.
This document provides strategies for monetizing private label rights (PLR) content through monthly membership subscriptions. It recommends utilizing PLR ebooks, sales letters, landing pages, articles, thank you pages, email courses, blog posts, videos, and audios. Specific tactics include editing content to add affiliate links, combining content to create new products, submitting articles to directories, and using content on websites and in newsletters to build an audience. The goal is to create multiple income streams by fully leveraging PLR content from a monthly membership in various formats and distribution channels.
This document provides an overview of reasons why someone may choose to join a multi-level marketing (MLM) company and strategies for surviving in the MLM industry. It discusses that most people in MLM operate at a loss. However, the document aims to educate people on choosing a suitable MLM opportunity and avoiding problems. It outlines common reasons for joining an MLM as making money, saving on products, meeting new people, and personal growth. The document then elaborates on each of these motivations and considerations for evaluating different MLM opportunities.
This document discusses 6 ways to generate free and low-cost web traffic. It describes viral marketing by finding the right product to advertise in and letting others spread it. It discusses contributing to fire sales to get targeted traffic. It recommends contributing content to high traffic blogs and article directories to leverage their audiences. It also suggests contributing membership sites where members can resell products. The overall goal is to utilize existing high traffic sources and networks of others to promote content and drive traffic back to one's own website without large expenditures.
This document provides an overview of viral marketing techniques that can be used to generate network marketing leads and commissions. It discusses several viral marketing strategies including tell-a-friend marketing using tools like Viral Friend Generator, master resell rights marketing by creating products for others to sell, private label marketing using products with rebranding rights, blog marketing by promoting content on blogs, and viral spiral marketing to leverage exponential growth. The goal of these techniques is to have other people promote your products and business for you to build your network marketing business in a leveraged way.
2. Terms and Conditions
LEGAL NOTICE
The Publisher has strived to be as accurate and complete as possible
in the creation of this report, notwithstanding the fact that he does
not warrant or represent at any time that the contents within are
accurate due to the rapidly changing nature of the Internet.
While all attempts have been made to verify information provided in
this publication, the Publisher assumes no responsibility for errors,
omissions, or contrary interpretation of the subject matter herein.
Any perceived slights of specific persons, peoples, or organizations
are unintentional.
In practical advice books, like anything else in life, there are no
guarantees of income made. Readers are cautioned to reply on their
own judgment about their individual circumstances to act
accordingly.
This book is not intended for use as a source of legal, business,
accounting or financial advice. All readers are advised to seek services
of competent professionals in legal, business, accounting and finance
fields.
You are encouraged to print this book for easy reading.
-2-
3. Table Of Contents
Foreword
Chapter 1:
Getting Starting In Property Investing
Chapter 2:
Finding Potential Property For Investment
Chapter 3:
Analyzing The Property
Chapter 4:
Buying An Investment Property
Chapter 5:
Overhauling Your Property
Chapter 6:
Strategies In Marketing Your Property
Wrapping Up
-3-
4. Foreword
Property investing is not something to be taken lightly. Careful
research and experience should be the important elements exercised
in the area of property investing. Get all the info you need here.
Flip'in Cash
Discover the secrets to buy low and sell high in real estate investing
-4-
5. Chapter 1:
Getting Starting In Property Investing
Synopsis
The following are some considerations that should be look into before
making the very important decision to be a property investor:
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6. The Basics
Deciding what type of property to invest in
makes a lot of difference in how the entire
buying exercise plays out. Different types of
properties require different types of investing
techniques and commitments.
There are also considerations such as property market movements,
which will generally affect non landed properties much more than
landed ones. This of course not only applies to the sales market but
also to the rental markets too.
When considering making purchases, the investor should always
try to include a clause in the agreement whereby there are options
available and in place to nullify the agreements should the
intended property to be purchased is not what it was portrayed to
be.
Houses also present a better option for extensions, redesigning
and remodeling possibilities and this can add value to the
property. With flat, apartment and condo such exercises have
limitations and various approvals have to be sought before any
work can begin.
Before committing to a purchase the buyer would also need to have
a thorough inspection done on the property to ensure its justifying
value. Surveying the surrounding area is also something that
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7. should be done as it will defiantly have some bearing on the
property value both in the present time and in the future.
Preparing the adequate amount of financing is also something that
is important when investing in property. The end result should be
favorable to the investor, otherwise the entire exercise would have
been wasteful and even worse debt contributing.
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8. Chapter 2:
Finding Potential Property For Investment
Synopsis
There are usually many types of property options available for the
discerning investor, and taking the trouble and patience to find such
properties will definitely be well worth the effort. It is important
however to decide what kinds of real estate investment would most
suit the needs and budget of the investor before actually venturing
into the actual sourcing for the ideal fit.
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9. Where Is It
There are several popular reasons as to why most investors in the
property market make a particular purchase. These may include a
purchase for long term rental income, for flip over profits, for long
term investment and any other reasons that will contribute to some
form of profit for the investor.
Once this has been decided upon then the relevant corresponding
properties can be identified and purchased to suit the specific
intentions of the investor.
Preparing the finances for such investments, is also something that
should be considered extensively as the form of financing used should
not eventually cause the investor to be burdened with interest
payments that will not make the investment viable after all.
Besides this, having the expert advice of good legal counsel is also a
very important service to have. Such counsel, will be able to provide
information on the responsibilities of both the owner and the tenant,
should the investment be for rental purposes.
Other advice can also be forthcoming through the services of legal
counsel, such as the setting up of a company if the investor intends to
make more purchases or investments in property.
-9-
10. Another point that most investors find important, is to invest in
properties that are within a reasonable distance from the investor.
This is to facilitate any transactions or the easy addressing of any
problems that may arise after the successful purchase of the property.
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11. Chapter 3:
Analyzing The Property
Synopsis
The process of analyzing the
intended returns the property is
hoped to gain is done by three
very different methods.
They would include the gross
yield, the net yield and the actual
cash flow yield.
All three methods will effectively show the investor the type of returns
that are likely to be enjoyed through the purchase of the intended
property.
Therefore before any commitment is made, it would be advantages to
conduct any one of these analyzing tactics to ensure a wise
investment is done.
- 11 -
12. Have A Look
Basically the gross yield is where the rental is calculated on a 52 week
ratio and then divided by the purchase price. The figure derived from
this calculation is the gross yield in percentage.
This is a fairly simple way of making a calculation to deduce if the
property will present a viable return.
The net yield however is a little more complicated as it takes into
account several different factors before making a suitable calculation
on the profits it derives.
Points that are taken into consideration as reflected in the eventual
calculations are such as, rates either local or regional whichever one
applies, insurance costs, provisions for repairs and maintenance,
vacancy periods and other expenses that might be incurred.
Therefore in this scenario the calculations would be based on the
weekly rental multiplied by the on year period which is 52 weeks,
whereupon the estimated expenses would be deducted from this
figure and then the balance would be divided by the cost of the
property. The total derived would reflect the percentage of profit
yielded.
While the cash flow yield is also just an estimate it portrays a much
clearer picture of the true yields when compared to the other two
- 12 -
13. types. Here the interest rates and other expenses and taxes are also
included in the general calculations.
- 13 -
14. Chapter 4:
Buying An Investment Property
Synopsis
When considering the investment property platform to make money,
the individual must be sure that the adequate amounts of funds are
available for the purchasing process.
- 14 -
15. Purchasing
Most investment property forays, involve having to invest and then
hold on to the said property for a long term period or when the
property value rises to the point where the investor is satisfied with
the yield and is ready to sell.
The types of property invested in and the location where the
investment is situated all play a pivotal role in ensuring if the
investment will eventually yield the desired returns.
Unless the investor has the ready cash it would be rather unwise to
invest in this form of property investment as the risks are
considerably higher.
If there are inadequate funds then it is very likely that the investor
would be saddled with costs instead of profits. Getting expert
advice from independent sources that would only have the
investor’s interest in mind, would help to a certain extent keep
looses if any at a minimum.
Because the investment property requires a long term
commitment, the investor should be prepared to calculate the cost
of ownership.
These may include expenses from owning and managing the
property over a long period of time. Some of the expenses would
- 15 -
16. include property taxes, insurances, utilities, maintenance,
vacancies and repairs.
On the plus side there are also tax reliefs and benefits to be
enjoyed in this type of investment. At the very least if the property
is considered a good buy; the risks the owner is likely to face are
comparatively lower than other types of investments with higher
risk ratios.
- 16 -
17. Chapter 5:
Overhauling Your Property
Synopsis
The overhaul exercise need not necessarily be one that incurs high
costs and time. With a few adjustments the overhaul experience can
be something to be thoroughly enjoyed.
- 17 -
18. Changing It
The following are some tips to follow in the quest to overhaul the
property and yet bust the bank:
• Trying to have some sort of theme in mind, so that there can be
some standardized use of material would be very helpful. If the
main material is bought in bulk it would be much cheaper and
the individual can then apply some level of creatively to each
area, to still keep it looking somewhat individualistic in style.
• Conducting a de cluttering exercise maybe all that is needed to
create a new look. This style of overhauling will not only be
cheaper, but it can also be surprising different, when the
eventual look of the room becomes unrecognizable from its
original state. Getting rid of everything and then starting out
with just the bare necessities from the lot is a good place to
start.
• Adding a little color or changing an existing loud color for
something more sedate and tranquil will effectively create a new
and calmly inviting atmosphere. This is also another cheap way
of conducting an overhaul. For those more adventurous a
combination of colors can be used. There is even the popular
use of motifs to consider when making choices for the overhaul
exercise.
- 18 -
19. • If budget permits, going all out and changing complete sets of
furniture should be explored. From bedrooms to kitchens new
furniture and fixtures can do wonder toward creating a new
look.
• Other larger and more important task that may need serious
attention during the overhaul exercise would be the plumbing
and wiring of the property. This should be addressed, especially
if the property is rather old.
- 19 -
20. Chapter 6:
Strategies In Marketing Your Property
Synopsis
There are several ways to create interest in the property on the
market to ensure enough visibility to lock in a sale. The more interest
the property attracts, the better the chances of it being sold or rented
in a short span of time.
- 20 -
21. Great Info
The following are some strategies that can be employed in order to
create this visibility and attraction:
• Making a list of all the special feature that make the property
stand out or be different from others around, should be done.
Included in this list should be elements that would be an
attractive selling point and also hard to resists. Highlighting
negative elements that definitely don’t exist in this property will
also portray to the prospective client, what they can avoid and
thus benefit by committing to a deal on the property.
• Once the list is drawn up, then the target audience attention
should be actively sought and the points should be extensively
advertised to ensure the desired impact of curiosity and
interests are firmly established. Using captions that would
personally impact and play on the prospective client’s
perceptions and ideals would be beneficial.
• Talking to anybody and everybody would also help to create the
free publicity for the marketing of the said property. This has
been known to be an effective way of getting the required
attention that eventually brings forth a successful sale.
- 21 -
22. • If time and energy permits, having an open house or garage sale
will also be another effective way to get the attention of
interested parties. This is an ideal way of informing everyone in
the area about the property being available for sale or rent
depending on the owner’s requirements. People attending the
garage sale can also act as advertising instruments to spread the
word about the availability of the property.
- 22 -
23. Wrapping Up
If the investor is looking for a good source of passive income, then
this sort of investment would be ideal both in the present and for
future income in the retirement phase.
- 23 -