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Safety Tips On How To Wisely Invest In Real Estate
Do you have plans of turning your tax returns or year-end bonus into a real
estate investment? Most people first start investing in real estate after
coming into a little extra cash. Hoping to improve their financial future
and build some extra money toward retirement, many people turn to the real
estate market rather than risking losses in a volatile stock market. Many
really amazing real estate investment opportunities do exist, if you have
the will power to hunt them down and carefully select real estate that matches
your personality and goals.
The "short sale" approach works for someone who isn't afraid to get their
nails dirty and encounter risk. New investors
find that the short sale approach requires you to stay on your toes and wait
for property values to increase. A more
conservative investor uses time to his advantage and waits for property
values to increase a lot; most of these properties entail rentals and land
investments. Whatever way you decide to approach the real estate investment
world, you should do so with your eyes wide open and stay realistic. You
can't expect to always make big profits. A wise investor is committed to
researching property, its pros and cons, and set up a plan on how to make a
profit off that property. Once that investor does purchase that property,
he is fully aware of the capital needed to maintain that property and the
terms of any loans.
Many real estate investors claim you can own investment property with no
money down. Does that sound too good to be
true? Many of these deals involve risky foreclosed properties. Also, many
of these "no-money down" deals take out such a hefty fee at closing time
that you're left with barely anything to speak of. If you are cunning and
willing to work hard enough on your own to find properties with pending
problems, you can approach the owners about assistance and embark on path
that yields better returns. Many of these properties are public information
found at a local courthouse. If you have the wherewithal to approach the
right banks about these low equity properties, you may be able to negotiate
a price on the property and come out with a personal profit. This process
is often referred to as the Short Sale approach.
A more laid back investor isn't looking for quick deals; instead, they opt
to purchase real estate that has the potential to increase in value
considerably over the next 10 or more years. Most of this property involves
rental units. While the investor waits for the property value to increase
tremendously and equity to build, most rental units become supplemental
income for the investor. Many investors decide to build their equity fast
by pouring this extra income back into the property loan. A large risk
involved in purchasing rental property is picking one that requires heavy
upkeep, renovation and maintenance.
You don't necessarily need a real estate license to become a property
investor. Even though someone with a real estate
license tends to understand the ins and outs of the market very well, an
investor who is willing to do the legwork to
hunt for deals that potentially could have a good return can succeed just as
Want to learn more about real estate for investment or to
live in yourself? Then contact a good realtor. Where do you start looking? A
good place to begin is
Copyright 2004 Babz Lasbanos. All rights reserved.
Babz Lasbanos is the creator of <a
W.Z.</a> - among the
best sites to start with on Realty related topics. Be sure
to visit her web site, and get immediate access to her
articles archive here:
7/7/05 - Below is a good article on commodity futures from Ainsley Columbo.
Good Morning Joe,
Thank you for requesting articles for publication. Please
find below, a new article for submission, to be used in your Chestnut &
Cedar Stock Report newsletter.
I would like to wish you continued success with your Chestnut & Cedar Stock
Basics Behind Trading Commodity Futures
Futures are hot news in the Business section of the newspaper and among
feature guests on news channels.
However, do you as a regular person understand what futures are all about?
While most financial experts and stock
traders love to talk about these interesting contractual agreements, the
layperson finds the topic complicated. In
many ways, trading futures can be safer than trading on the stock market.
However, you have to stay alert or trading
futures can be intimidating and risky.
While some experts feel that you should immediately start wading in the
shallow end of a future exchange before
overloading yourself with the pros and cons of this endeavor, you probably
would appreciate some tidbits about
futures and some starting pointers:
1. Futures operate as an agreement in a contract. A trade commission, such
as the Chicago Trade Commission, approves
these contracts. This allows you purchase a commodity at a specified time
in the future, at a price agreed upon at that
moment. Basically, the contract states that you will purchase a commodity
at a set price on a certain date.
Common commodities are gold, interest rates, agriculture, currency, and
stock indexes. Some people end up trading the
contract to someone else prior to the closing date. The commodity itself is
not sold until the closing date. When
the future is sold, you are hoping your commodity is sold to the real market
for a higher price than you bought your
future. Hence, you end up with a profit.
2. Do you have a basic understanding of futures terminology? The main
futures trading exchange is in
Chicago at the Chicago Board Of Trade (CBOT). Two main types of groups
purchase futures: hedgers and speculators.
Hedgers are mostly businesses trying to profit by "locking in" future
prices, whereas speculators are diverse group -
day traders, banks, arbitragers and so on - trying to profit from desirable
price fluctuations. Some futures are
purchased with a put or call. On a put future, the buyer expects the price
on the market to go down so that the buyer
can get the set (put) price upon selling. The opposite happens with the
call future; the buyer is calling that the
price on the market will go up and the buyer can get a better price upon
selling. In both ways, the buyer expects
to make a profit upon selling the future.
3. Math and analytical skills are needed to trade and select futures.
Futures require research and strategic
planning so the buyer can somewhat anticipate which way the market is
swinging. Different analysis methods are used.
With a fundamental analysis, the buyer is reviewing supply and demand. But,
with a technical analysis, the buyer is
studying market trends and price chart patterns. The trader looks at these
analysis results to come up with an
Many traders insist you can't truly appreciate trading until you give it a
try. The market is complex and your
personality plays a part in it. You can't expect to come out smelling like
roses on the first try. So, if you can't
afford to lose, you shouldn't take this kind of risk. Markets can be
volatile, so you should start out with low
risk futures such as options market or Eurodollar before moving into more
risky futures that quickly trade. You can
lesser your risk by buying at a premium (where the price is fixed no lower
than what you paid).
With some guidance, many people find that they enjoy trading futures. Some
people get this guidance through trading
groups or online sources.
Copyright 2005 Ainsley Columbo. All rights reserved.
Ainsley Columbo is the owner of FS
Inc , one of
the leading sources for on-line futures information on the web.
For more details, visit his article archive at: