Track Your Strategic Land Investment Growth

Land investment growth can and should be tracked with professional guidance.

Alternative investments such as land can yield better-than-the-market returns. Investors can also track the investment’s progress over time.

Investing during the worldwide recession has been a difficult road for individuals most accustomed to trading in stocks and bonds. Returns have been disappointing since 2008, and the Eurozone crisis portends very little good news for traditional investments in the near term.

Investors instead have turned to alternative assets, the growth from which has been considerably better in recent years. These assets include hedge funds, exchange funds, private equity and rarities (coins, art, jewelry, antiques and antique autos). One alternative asset that is particularly attractive is raw land. Unlike developed property – where market value is well established, value growth may be minimal and buildings need to be maintained over several years – undeveloped land can grow in value under well-managed circumstances and in a relatively short period of time. Those circumstances currently include the housing shortage and growing UK populations, where market forces suggest millions of homes need to be built over the next decade.

Professional land management companies often pool investors into a single property fund that buys land, after which a zoning change is sought with the local land planning authorities. With that change, some infrastructure may be put into place – roads, water and other utilities, for example – and then sold to builders.

A substantial investment is necessary, typically beginning at 10,000 and often several multiples of that amount. Of course, at that level the investor could and should engage themselves throughout the time the land is owned, tracking progress according to a pre-established set of milestones. Not everyone gets rich on land, but following a few crucial tips can help the investor improve his or her odds: -Hire the best consultants.Buying land that needs to be rezoned is not a hobby for amateurs. Professionals who understand potential future value, as well as the local landscape for land planning authorities and area housing needs, are necessary to make the investment successful. -Select a land investment that is consistent with yours in timing and returns.Some land will mature to a profitable position in 18 months. Other tracks may take five years and perhaps longer – which may or may not fit your own financial management goals and needs. A professionally managed land investment will be able to project this with some accuracy. You can also expect to be given updates on progress, such as when planning has approved new zoning, whether infrastructure investment is necessary and how well it is progressing. Land is an exciting, tangible investment that shows progress you can sometimes see and touch, if you are so inclined. -Acquire land with the most promising properties. When you work with professionals, they should select tracts with certain, important characteristics: proximity to high growth, where housing stock is in greatest demand, where the land can be rezoned and where significant improvements (cleanup of contaminants or expensive infrastructure such as bridges) will not be necessary.

Because land is a significant investment, it is smart to first talk to an independent financial advisor in advance. You need to examine where a land investment would factor into your investment portfolio, and how the timing of the investment could affect your tax structure and living or estate needs.

Professional land management companies often pool investors into a single property fund that buys land. A professionally managed land investment will be able to project this with some accuracy.

Debt Management Friend or Foe?

When the option of debt management is brought up as a means of debt relief the more in the know will immediately highlight the major flaw of going on such a program.

Yes of course getting a management company to negotiate with your creditors, lower your monthly payments and reduce the overall amount you owe will put a few noses out of joint. And in turn the creditors will report that back to the scoring companies who will put negative marks on your credit score.

So why do people do it? And more to the point why are there so many debt management companies out there making such good living out of it?

Obviously if your debt problems are not verging on declaring bankruptcy and youre not having trouble making payments every month then knowingly harming your credit score just to lower your payments and overall amount isnt the cleverest of moves.

But what if youre missing payments every month, juggling who to pay in an attempt to stay afloat and keep the wolf from the door? If youre missing and making late payments regularly then your credit score is taking a hammering anyway and you obviously cant keep up with all the obligations each month.

Faced with this unfortunate reality many people will throw in the towel and declare bankruptcy- what happens to their credit score then?

Cue the debt management company, champions of the oppressed debt-ridden consumers and nemesis of the attack-dog debt collectors. Theyll take on all the communication between you and your creditors, theyll negotiate realistic payments you can afford and will lower the overall amount you end up paying back (largely interest).

They enjoy dealing with lenders and negotiating lower payments, they do it all day long, they live and breathe nasty phone calls and red bills, it gets them out of bed in the morning.

In this day and age of ever increasing credit casualties who find themselves in between a rock and a hard place there is definitely a need for a service to cater for those who have reached the end of the line and have nowhere else to turn except for the dreaded big B.

Faced with debt problems many peoples first instinct is to consolidate. When you think about it consolidating is just borrowing the amount you owe plus whatever interest the consolidation loan incurs. Adding to you debt or borrowing your way out of debt is just increasing the amount of your debt and the amount of time you will be in debt.

If you are not at rock bottom and looking for a smart way to become debt free quicker then no, debt management is not for you, however it definitely has its place and many a consumer is sleeping better, worrying less and enjoying a better quality of life right now for it.

Thats not to say that there arent abusers of the system to be wary of, just like the rest of the credit and debt industry. You should look for the usual red flags when prospecting any credit or debt related service:

How much do they stand to make out of you?

How much information will they give you about their program before you join?

What are they prepared to do for free?

Are they affiliated with any financial institutions or lenders?

Like with anything in this field the more educated a consumer you are the better choices you can make for your own unique situation.

Debt management is all about immediate relief, and to many it is a welcome relief to become free from harassment and be able to financially breathe again. So is the credit score damage worth it? If it’s taking damage from missed and late payments anyway and/or bankruptcy is staring you in the face there’s really no other option.

Building Your Credit Profile

It may not seem like a big deal when you’re 18, but putting the time and effort into building a good credit profile now could make all the difference when it comes to buying the things your heart really desires in the future.

Regardless of whether you apply for a card – and using it to our advantage instead of letting the credit card company take advantage of you – or by taking out a cell phone contract and student loan, the sooner you start building a credit profile the better. Here’s how:

Realise that credit is unavoidable

Good financial advice dictates that you should save and attempt to pay cash for everything you want – it’s a good discipline to develop – but the fact of the matter is that it’s an expensive world and the need for loansis a reality. When you’re older and attempting to buy a sports car or a house you’re going to need it – the better your credit score the more likely you are to succeed in attaining the things you want.

Know how to budget before you begin

If you’re about to apply for loan to start building your profile, it’s crucial beyond words to know how to budget first. There’s no point in being set loose with a credit card without any idea of what it costs to maintain it or how you’re going to repay what you’ve spent once it has been swiped. Learning how to manage cash is key in learning how to manage a good, consistent credit profile.

Get a credit card

Once you feel confident that you know how to budget, getting a credit card is the quickest and most effective way to begin building a credit profile. Once you’ve initiated this step, it’s important to ensure you never miss a payment. A wise trick is to never charge more than 30% of your credit limit to ensure you maintain manageable payments, and don’t apply for more than one until you are sure you’ve got all your financial obligations under control.

Get something else on credit

Along with your credit card, having some other form of debt will also help increase your score. An instalment debt like a student or car loan is perfect, but a retail card or petrol card could also help. By making monthly repayments and maintaining a consistent and reliable record, you’ll be able to up your credit score and continue improving it.

Don’t falter on payments

Whether you’re paying off a laptop or your electricity bill, if something is in your name and you falter on a payment it could end up putting a dent in your credit profile that could impact you further down the line.

It may seem daunting but if you start off small and slowly build up your credit profile, you’ll be surprised at how beneficial it will be in the future when you have your eye on something extravagant!

Steven has been working in the home loans industry for over a decade. He writes regular articles for a variety of different financial blogs

Cultural factors affecting international marketing

Download – Royalty Free Stock Photo

World markets can also be classified on the basis of the following:

1.Population- When the population is higher, the bigger is the market. However, it is
necessary to look into the following.

(a) Age groups and Sex- Different age groups of people, their taste & interests, preferences along with sexual differences, the trend of outlook and attitude people focus and prefer to adopt matters a lot.

(b) Social class or groups- This refers to the economic class of living and groups
which they belong in the living environment, which also has an impact for product selling.

(c) Educational background-This refers to the background of the corresponding
person who is actually involved in international markets, it doesn’t specify anything in the form of an individual acquiring management degree, it specifies something more in the form of his/her family and circle of friends including peers with many people who give support for him to flourish well in international markets.

(d) Number of households- This gives information about the total number of

households, the type of household ,nature of household and the kind of work which is performed in major by the household which can be identified and used if needed for marketing too in international levels.

(e) Geographical concentration and differences- This specifies the concentration of
each and every place on selected products in major amounts which is
favorable for its market condition and clearly indicates the differences in choice
of product chosen by each and every country depending on the demand
condition.

(f) The rate of changes in the above mentioned characteristics-specifies changes
involved in each of the above mentioned qualities.

2. Gross National Product(GNP)

(a) Rate of growth of the economy- This must be positive and favorable for growth of the economy.

(b) Standard of living-specifies the quality of living of people which must improve and give rising standards which will be the real benefit of international marketing if adopted properly efficiently and effectively.

(c) Percapita income

the author can be contacted at sowmya_ramani@yahoo.com