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  • Why You Need Real Estate in Your Portfolio

    Why You Need Real Estate in Your Portfolio

    If you have money invested in the stock market, you’re probably aware of the recent ups and downs. Money that seemed to be expanding rapidly just a few months ago can vanish overnight. Real estate investing provides a tangible asset that can be tracked to make up for this lack of stability and security.

    Despite the benefits and generally lower risks, not all real estate investments are made equal. Diversify your portfolio across real estate, commodities, stocks, and more to reduce overall portfolio risk and assure consistent growth.

    Why Should Real Estate Be Part of Your Portfolio?

    Increased Cash Flow Yields

    Many retirees haven’t saved enough to be able to rely entirely on bonds that are yielding 4 percent or on equities that are paying out 0 percent to 3 percent yearly dividends, respectively. In contrast, real estate investments typically generate annual cash flows of 8-12 percent plus, representing a significant increase in value.

    Consider the case of a guy who requires an additional $2,000 in cash flow each month. If they exclusively invest in bonds with a yield of 4 percent, they would need to invest a total of $600,000 in bonds. Alternatively, they could invest $200,000 to $300,000 in commercial real estate and meet their monthly income target in that way.

    Pay Down Debt

    When you take out a loan to purchase rental homes, you need to make a monthly mortgage payment. As the mortgage is paid down, equity in the house grows over time. 

    As the value of property increases and the mortgage balance decreases, you can refinance our properties by returning to either your present lender or a new one. As time goes on, the property’s rental income will gradually reduce the amount of the new, higher mortgage payment. To maximize your investment, make sure you engage with a specialist Real Estate Broker to ensure you get the right property at the right price to avoid damage to your portfolio.

    Real Estate is A Tangible Asset

    Intangible assets like stocks and bonds yield just a piece of paper as proof of investment. You don’t own anything. If the stock market crashes, your paper may be worthless.

    Real estate is a tangible asset. Values fluctuate throughout time, and there’s no assurance they won’t fall, but tangible assets are worth something. If you need to exit the investment, you still have a property to sell.

    It takes longer to sell a tangible asset since you have to negotiate with a buyer and go through the formalities. But, you will still get your money back and possibly a capital gain if all goes according to plan.

    Tax Benefits

    Investing in real estate that you live in gets you minor deductions. Most homeowners don’t itemize, so they can’t save on real estate. But even if you do, you can still usually only deduct property taxes and mortgage interest.

    Real estate ownership is a business, not just an investment. The IRS permits you to deduct numerous expenses exactly like a brick-and-mortar store. It is possible to remove the costs related to the property (such as buying a laptop or going to the property) from your taxes. 

  • How and When to Let Go of an Investment Property

    How and When to Let Go of an Investment Property

    An investment property can bring you a steady income, and owning multiple properties is even better. However, an investment property can also become a drain on your finances and your time. There can come a point where a property that you own is no longer worth keeping. Knowing “when to fold’em” is as wise an investment strategy as anything else, even for practiced and dedicated real estate developers like Paul Ognibene. You can only make d with the potential that’s there, after all.

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    However, you need to know when to make the decision to sell and the best way to go about selling your property. If you have an investment property that you’re thinking about selling, there are a few factors to think about before you make a decision. Here are some of the things to consider that will help.

    Know What It Takes to Sell

    Before you sell a property, consider whether you have the time to put into making the sale and what it will take. How much is it going to cost you to sell the property, and how long is it going to take you? Of course, you can get help from a professional service like the one found at https://www.camijoneshomes.com/selling/. You don’t have to do all of the selling alone, making it a lot easier to take care of all of the essential tasks. But it can be time-consuming so you need to be prepared.

    Assess the Finances

    When it comes to investment properties, finances are the most important part. Whether you’re making money from the property or not is going to be a huge factor in whether it’s worth keeping. Of course, there’s another factor too. You might only be breaking even now, but you could make a good profit when you decide to sell later. If your income is less than your outcome, it’s most likely not a great investment. You might be able to make a change by raising the rent or cutting expenses, but it’s not always possible.

    Consider the Work Required

    Something that will often lead investors to sell their property is the amount of work required for its upkeep. If you’re having to put a lot of time and money into maintaining a property, it’s likely that it’s not a great investment anymore. Of course, that can also make it more difficult to sell. Many investors and landlords make use of property management companies if they’re finding it too much work to maintain their properties. It might cost more money, but it can save you time.

    Are You Ready to Cash In?

    An investment property can be a good investment in two ways. It can give you long-term income and you can also sell it to make a profit. If you owned a property for a while or there’s a boom in the market, it could be time to sell up and cash in on your initial investment. Of course, deciding on the right time to sell isn’t always easy, so it’s important to take some time to research and find out whether you’re going to make a profit.

    When the time comes to let go of an investment property, make sure you’re doing it for the right reasons.

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  • Top 5 Tips for Planning a Virtual Event

    Top 5 Tips for Planning a Virtual Event

    Planning a virtual event is a convenient and effective way to promote your business or get your word across. Whether the goal of the event is promotional, educational, or for networking purposes you can reach out to a wider audience online. The key to a successful virtual event is in the planning. You need to ensure your content will appeal to your target audience and give them the right information. It’s also essential to organise your event according to your business goals. Here are five tips to get you started.

    Outline your goals

    Firstly you need to outline your goals. If you’re hosting a virtual event to help grow your business, you need to plan how you’re going to engage successfully with potential clients. It’s important to create the right content that appeals to your target audience. You could also consider working with a professional speaker in the field, for example. Make a list of your goals and use these as a starting point to prepare and organise your content.

    Plan the key takeaways

    There are various types of virtual events, but audience engagement should always be the main focus. As well as listing your goals, you should also make a note of the key takeaways you want your viewers to get from your event. This could be information about your latest product, or tips and advice. Bearing these key takeaways in mind will help you to prepare clear and concise content that highlights the right information.

    Invest in branding material

    You could consider investing in branding material for your virtual event. This will help you create awareness and make your brand appear more legitimate. You could have participants wearing branded t-shirts from a custom t-shirt shop, for instance, or even send out a few promotional freebies. This will add to the visual aspect of your event and you can connect with your audience on a personal level.

    Get the word out

    It’s essential to use the right channels to promote your virtual event. You could run an email marketing campaign. You could also advertise your event on social media and encourage your followers to re-post about it. Your employees could work as advocates on social media as well. This will help to build trust and genuine interest in your event as user-generated content appears more personal and trustworthy. While promoting your event, take note of the number of attendees so you can prepare accordingly. Send them follow-up emails and ensure these are personalised.

    Test your tech

    Technical errors can make a bad impression. You don’t want anything going wrong on the day so test your tech, and re-test. You could do a full dress rehearsal if need be to ensure everything fits in according to the time scale. Prepare a schedule and send this out to all participants and attendees so they can follow this as well. The more organised the better, and you can expect more success on the day.

  • Ways To Grow Your Business Advertising On A Budget

    Ways To Grow Your Business Advertising On A Budget

    You started a business and now you want to make as much money as possible through it. How do you do that? The idea behind growing your business effectively is through good use of logistics and advertising. These two combined help bring you maximum exposure of the purchasing options to the target audience which is the potential customers. But there is no doubt that a campaign as it would have looked in the not-too-distant past means a considerable financial investment. Promoting businesses through the Internet can cost you relatively little and lead to significant results, due to the fact that the conduct in the field of business advertising today takes place mainly in the Internet arena in general and in Google’s search engine. There are plenty of ways to grow your business, even with apps; for example, you may want to look at https://howtoadvertiseonsiriusxm.com/. 

    Ways of Advertising for Business – Why Google Promotion is Most Effective

    Investing in ways to advertise your business on Google is the most effective thing you can do, in order to increase your circle of paying customers. It is true that there is still room today for advertising in print and the various media, but making your business website lively, as well as bringing your customers to your website in order to create a good ROI. 

    People today search the internet for everything and anything, so the way your business exists and has an online presence is critical. This type of advertising can be done both by content and professional website promotion companies and independently, but in any case it is an economic investment whose results are maintained for a long period and it becomes more and more cost- effective as time goes on.

    The importance of designing the business website and the quality of the content within it

    The longer a surfer stays on the site, the more he researches it and has a higher chance of reaching the point that you, as the business owners, are aiming for and that is – the cash register. Emphasizing the design of the site and the content that appears on it – means combining texts that give value to the surfer and make him more interested in your product or the service you offer – these are actions that can definitely lead to increased sales. This is an economic investment in the construction of the site by professionals as well as a fee for writing content, a matter that must be done once in a while due to the need to renew the content on the site – but the initial construction and construction of the site is the big initial investment.

    The logistics behind your company can also drive you forwards. Knowing your analytics and demographics contributes heavily towards a happy and healthy future for the business. Where are your customers from? What do they expect from you? How can you diversify your business to create an even more fruitful future? The options are up to you. 


  • Safe Business – How & Why

    Safe Business – How & Why

    When you are setting up your business, there are several things to think about. Some of them might seem more important than others, and something that you can often leave at the bottom of the priority list is health and safety. After all, surely everyone can just be careful around the workplace and no problems will occur? 

    Although that might have been the way business owners used to think, the world has moved on, and now, thankfully, it is down to them to keep their staff and any members of the public who might be in or near their place of work, safe. In fact, it’s even the law. Yet why has it been made law, and why is it so important? Read on to find out. 

    You Will Protect Your Staff 

    One of the reasons you need to make your business a safe place to work is to protect your staff. Hiring an expert Caslec commercial electrician instead of having an unqualified employee fix any wiring is an excellent example of being safe and taking precautions because, without proper training, your employee could be seriously hurt. If you take this way of thinking and extend it to every part of your business, you’ll see that there is potential for injury in many different areas. 

    When you are careful about your health and safety, you will protect your staff, meaning there is much less chance of them becoming injured or unwell. Quite apart from taking care of people being a part of decent human nature, it’s good for your business – with fewer people off from work due to injury, you can be much more productive and have a better reputation.

    Retain Staff

    No one is going to want to work somewhere that doesn’t take its health and safety seriously. They will feel unsafe and uncared for, and eventually – perhaps very quickly – those staff members will leave to work somewhere that has a much better health and safety record and that does think about its employees. They will do this even if you are paying a higher salary for the most part because they won’t want the stress and discomfort of feeling as though they could be hurt (or worse) every day they are at work. 

    This is a big problem. Taking on new staff is an expensive thing to do; it costs far more to find a new employee than to keep an old one. Plus, you need to think of the time taken to train the new person and for them to settle in. Productivity will certainly be affected. The more this happens, the worse your profits will be. If you’re a safe place to work, you will be able to keep your staff (and not have to pay too much to do so).  

    Save Money 

    Every good business owner will be looking at all the ways they can save money in their business; this is all part of how a business works – the less you pay out and the more you bring in, the better your profits will be. Therefore, the last thing you will want is to have to pay out more for your insurance, but this is unfortunately what will happen if there is an accident at work and you have to make a claim. 

    Insurance companies have to look at the risk they are taking on when they insure you. Those businesses that don’t have a poor health and safety record and haven’t made a claim are seen as a lower risk, so their insurance will be cheaper. Those that have made claims and where people have been hurt are a much greater risk and will have to pay much more. If you want to keep your costs down, you need to keep everyone safe. 

  • 3 Factors That Will Determine the Business’ Make or Break

    3 Factors That Will Determine the Business’ Make or Break

    Black Calculator Beside Coins and Notebook

    The birth of entrepreneurship is usually triggered by a business idea that longs to be nurtured. A business success story will often have its ups and downs due to internal and external factors. The unpredictability of these events plays a significant role in determining which you will write a success story under your business name. 

    Simple things like the tagline, motto, or business location will largely influence your business’s progressiveness over time. You need to ensure you align your business vision and mission with its operations to achieve positive results. 

    Every entrepreneur needs to learn about business management and growth tips for manipulating the departments into maximum productivity and efficiency. Despite being the founder or owner, you need to take a keen interest in the business activities to help you in your decision-making and management process.

    Reliable Employees

    Ensure you have a reliable task force that you can rely on during different times of the year. Be specific with the type of employees you hire to help you in managing and running your business. It would help if you highlighted specific characters and qualifications you will prefer for each post to ease your hiring process. 

    You should also ensure each employee learns of the business culture you intend to pass along. Schedule numerous training sessions that will sharpen the employees’ skills and knowledge to increase the company’s level of service and productivity. 

    For extra motivation, ensure you choose an office layout that will promote teamwork and understanding between the employees. Please provide them with ID cards that will help customers easily identify and build a rapport. It is easier to build and enhance the customer-client relationship when you can easily converse with each other. 

    Financial Discipline 

    Starting a business requires high levels of discipline where you can differentiate the company’s needs and wants. You need to have a plan and budget to utilize your capital to build the business till it breaks even. 

    Though patience is key in business, you need to regularly inspect your finances, sales, and expenses, to analyze how you are faring. Sometimes having constant sales may not be indicative of business growth. It would help if you ran your figures against your expectations and expenses to know your company’s financial position. Take time to educate yourself about successful financial practices. 

    Decision Making

    Despite being an efficient entrepreneur, you need to learn how to make rational decisions even during high-pressure incidences. It is a skill you need to master if you plan on enlarging your business territories. It would help if you learned how to analyze and take calculated risks. 

    You need to be on the lookout for new opportunities that may be the key to your success. Interact and associate yourself with people who will challenge your school of thought and push you to your limits. It will broaden your thinking and increase your potential. Have a mentor who will guide you in your journey. 

    Above all, believing that you will achieve your dream will keep you grounded in this journey. Be proactive and work on maintaining the balance among these three factors, and you will be sure of success.

    Working conditions

    What could bring jeopardy to the longevity of your business? One of them is working conditions. Not only do you need to prove to regulators that you are taking action, but you should also be showing this to employees. For example, undertake an Ambient Air Sampling test where you can see just what your teams are breathing in. Then use this evidence when it comes time to report on improvements such as air quality after you have installed new air conditioning and ventilation systems. 


  • How To Solve Common Business Logistics Problems

    How To Solve Common Business Logistics Problems

    There are many advantages to running your own logistics department including having much greater control over your entire supply chain. However, there are also some common logistics issues that create problems for businesses time and time again. Read on to find out what they are, and how to resolve them. 

    High costs 

    As any business person knows, keeping costs low is essential to becoming a profitable success. Sadly, logistics is an aspect of a business where a great deal of money can be needlessly frittered away due to things seemingly out of the business’s control. For example, traffic delays, or the order of deliveries. 

    Happily, there are ways of making your logistics set up more efficient, for example, by using technology such as apps to feed information to your drivers you can avoid traffic jams, and reduce delivery times. Similarly, by using tech to automatically plan out the most efficient delivery schedule beforehand you can save huge amounts of time and money on fuel. 

    Then there’s actually buying any vehicles you might need. Whether you’re looking for a straight truck with sleeper for sale or any other vehicle, you’ll have to keep the cost in mind. Shop around to get the best deal possible for yourself.

    Safety and accidents

    The sad truth of the matter is that accidents do happen. Unfortunately, when it comes to heavier vehicles like trucks such accidents can be very serious. Indeed from a human perspective, the loss of life and threat of injury can be much greater, that is why you must ensure your vehicle fleet is well maintained and has the latest safety features. After all, prevention is always better than management when people’s lives are involved. 

    Of course, accidents can be problematic for your business in other ways too, especially if defining who was responsible for the incident is unclear. In fact, sometimes businesses are blamed, when such incidents weren’t actually their fault, something that can end up costing them a great deal of money. 

    The good news is that there are some things you can do to help minimize the risk that your business will be falsely accused of responsibility for an accident. The first of these is to install dash cams that will record at all times and can be submitted as evidence in court. Additionally, you may wish to seek out the advice of an expert trucking witness. An authority that because of their specialist knowledge and experience in the trucking field will be able to support your business’s interests in court. 

    Warehouse errors 

    No logistics department can work effectively, without a decent warehouse system. Indeed, any mistakes in their warehouse will snowball and cause delays and increased costs later on. With this in mind swapping to an improved warehouse system is the best solution here. 

    One way that you can do this is to use GPS chips or QR readers for stock management. The benefits of digitized stock control is that record keeping is faster and more accurate, and the journey of each individual item can be easier tracked. 

    Businesses may also wish to consider automating at least part of their warehouse systems. After all, robots will be programmed specifically for each task that needs completing, something that can greatly reduce human error and increase productivity. 

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  • Powerful Business Growth Strategies

    Powerful Business Growth Strategies

    Small Business Considerations For Action & Progress

    If you’re running a successful start-up or small business, you’ll want to think about how to take your venture to the next level. Developing a successful growth strategy is crucial to your long-term success, which means it’s vital to consider all the options and determine which one is right for your firm. To get started, take a look at these powerful business growth strategies for your small business now:

    Market Development

    If you want to expand your business without extending your product or service range, then you can do so by finding untapped market niches. Is there another segment of your target audience that you’re not currently engaging, for example? If so, launch a marketing campaign that’s dedicated to this segment and plan how to get more clients or customers. When you widen the scope of your target market and create new buyer personas, you can successfully grow your business and your profits. 

    Geographical Expansion

    Both offline and online businesses can grow by expanding geographically. If you have a brick-and-mortar store, for example, you can expand your business by opening another store in a new location. Alternatively, if your business is online-only, you could expand by offering international delivery options and marketing to specific regions. 

    Omnichannel Experiences

    If you’re only using a select number of channels to engage clients and facilitate sales, there’s a good chance you’re missing out on a significant amount of custom. By incorporating more channels into your strategy, you can successfully reach a wider audience and increase your conversions. With more sales comes increased revenue, which means it’s a great way to grow your business and maximize your success. 

    New Products or Services 

    Increasing your product or service range can be a highly effective way of growing your business. However, you’ll need to engage in in-depth market research and product development before you can begin enjoying the fruits of your labour. 

    If you want to deliver genuine value to your clients and customers, it’s important that new or upgraded products and services offer an enhanced user experience. Replacing an outdated model with something new will only be effective if it offers genuine benefits to the user, for example. 

    Form a Partnership

    Joining forces with another brand in a related niche can give you direct access to their target audience and allow you to share their success. Of course, the firm you choose to partner with will expect the same benefits, so you’ll need to ensure that there are mutual benefits available. When you form a partnership, you can grow your business swiftly and with fewer costs, which means small businesses can find this an attractive way to expand their brand. 

    Successfully Growing Your Business

    Choosing the wrong growth strategy can have a disastrous impact on your business, so be sure to take the time you need to develop a sure-fire plan. By seeking advice, conducting comprehensive research, and making data-driven decisions, you can capitalize on your current success and use it to successfully grow your business.

    Streamline communication systems

    Communication is key if you want your business to thrive and grow. This doesn’t just relate to customer communication, it also links to employer-employee communication. You need to work on streamlining the way you communicate with everyone, making it easier for people to get in touch and get their thoughts across. A lot of modern businesses are starting to streamline this aspect of their organization by replacing their phone system with software like Microsoft Teams. You can learn more about this online, but the idea is that you have one piece of software that lets you call, text, message, and video call people all in one go. It makes it so much easier to communicate with everyone in your business, while also making better communication for your clients. 

  • 5 Reasons to Work with a Real Estate Agent

    5 Reasons to Work with a Real Estate Agent

    Whether you are about to buy or sell a house, having a professional by your side will go a long way in securing the best deal. Your local realtor will come in handy to help you make the right decision about a particular home. 

    This article looks at some of the critical instances when it is necessary to hire a realtor. Read on!

    White and Brown Concrete Bungalow Under Clear Blue Sky

    5 Reasons Why You Should Engage a Real Estate Agent 

    1. Negotiation Skills

    It takes a great negotiator to bag in the best deal when buying a house. An experienced real estate agent has the skills to identify issues in any home, which you cant notice. Besides, they will carry out an overall evaluation of the house and negotiate accordingly on your behalf. 

    Since such individuals have seen and evaluated many houses in the past, they know what makes a great house so they will guide you to make an informed decision about the home price. For instance, they will know when to call for the owner to reduce the price based on repairs needed in the house or a drop in the market value. 

    1. Support and Guidance

    It is easy to get excited when shopping for a home. Similarly, the process of purchasing a home is equally overwhelming and emotional. Working with a real estate agent will help you get through all the necessary steps with ease and successfully. 

    The right realtor will be by your side all through to guide you with the prices, choice of design, and amenities. For instance, if you prefer living on the high end of society, an experienced real estate will know what areas have the best amenities and home deals. This way, you will be more confident when making the right decision about your dream home. 

    1. Easily Find the Right Homes

    Whereas you may have a list of your preferred home features, finding such a  home can be an uphill task. However, a knowledgeable and experienced real estate agent will help you manoeuvre this process with ease. 

    Real estate agents have a vast knowledge of homes in the neighbourhood and also have the skill to know a great deal. With a wide variety of valuable networks, the right agent will help you get a house with the features you need. 

    1. Saves You a lot of Money

    Did you know it is very easy to be scammed when buying a house? The home buying process can appear complex, especially if you don’t know what aspects of a house to consider to settle for the best bargain. 

    Without knowing how to evaluate a home, you may spend an unnecessarily high amount of money in an undeserving house. A great real estate agent will help you save money because they will get value for your money.  

    1. Help You With the Paperwork

    Buying a house involves a lot of documentation. Missing a single document could be the difference between getting the right home and being scammed. 

    A real estate agent knows what documentation is involved when purchasing a home – from deeds, bill of sale, title affidavit, written offer, and transfer tax declarations.   

    Final Thoughts

    You can buy a home on your own, but working with a real estate agent is more beneficial. They will help you save money, get you the best deal, help you with documentation, and offer you all the necessary support and guidance into finding the right home.

  • How To Turn Your Business Around From Bankruptcy

    How To Turn Your Business Around From Bankruptcy

    With the economic downturn facing most businesses due to Covid-19, many have had to fold up, operate at half capacity, and others have had no option other than to file for bankruptcy. If you are part of the latter, do not panic, you can still turn your business around. When navigated properly with professionals such as WyoLaw Law Firm, it could be a minor wobble that will launch your business to greater heights. Here is how to turn your business around from bankruptcy.

    Identify the root cause

    When a business begins to lose money, it may take some time before it is perceptible. But as soon as you notice, you should start to identify the cause in earnest if you are to salvage the situation successfully. So, start by analyzing the issues your business has been facing. If you can overturn the problem by the next quarter, then you are safe. However, if your company has not made any profits for quite some time, you should consider if you can reverse the root cause.

    Evaluate your debts

    With no profits coming in, you will begin to accrue debts. Before filing for bankruptcy, you should calculate your total debts and see if your current assets can offset them. Remember to be very meticulous; check all records and revisit all paper trails to know your total debt. When you have the total amount of the debt you owe, you can now try to balance them with your assets. If the assets can offset the debts, then you are fine, but if not, then you have to resort to bankruptcy.

    Seek legal help

    The bankruptcy process is quite demanding, and the best way to go about it is to seek legal help early on. There are several forms of bankruptcy, and knowing which one best suits your situation will be in your best interest. Some forms of bankruptcy may limit your liability to certain debts but will cause your business’s liquidation to offset your debts. If you intend to keep your business running, getting professional help is the best course of action. Get bankruptcy advice from experts to help you navigate the whole process and save your business.

    Schedule a repayment plan

    The repayment process is a crucial aspect of the bankruptcy process. That’s why you will be required to attend compulsory credit counselling classes at the end of which you will have to sign some forms. After that, you have to work with your creditors to schedule a repayment plan. Once both parties agree on a repayment plan and a judge has confirmed your bankruptcy, then you should be back on track to secure the future of your company.

    Bankruptcy might look bad for a business, but it is not the end of the world. If you have a strong will and your passion remains unperturbed, you can definitely turn things around. The most important things are to get your financials right and seek professional help from the start. With these two things sorted, you should not have difficulty getting your business back on its feet.

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