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Edinburgh Letting: An Excellent way to avail lucrative buying deals

by

Mike Nicholson

When it comes to find a profitable destination for property investment, a large number of people prefer investing in Edinburgh. Most times their search revolves around finding the right location and locality in order to ensure optimum returns on your property investment. One major thing is that letting in Edinburgh offers excellent investment opportunities for wrens to rent their property in an excellent way. Property letting in Edinburgh involves substantial decisions and knowing everything about renters. In order to allow smooth Edinburgh letting, government has also provided detailed guidelines and regulations to both landlords as well as tenants. Before deciding on a property, it is advised to consult a letting agent in Edinburgh who can help you achieving good returns out of your investment. However, they charge a nominal fee against their letting services in Edinburgh.

These agents have enough understanding about the associated properties that can be of much help in locating the suitable tenants for your property to let in Edinburgh. Nevertheless, they can help you carry out the necessary paperwork for you. They also assist the landlords in letting their property while promising good returns on your property. Being into the property letting business, they are well-versed with all the imperative government regulations for landlords and tenants.

Nowadays, internet has also emerged as a major source for finding letting agents in Edinburgh. National Approved Letting Scheme and The Association of Residential Letting Agents have made a code of conduct that is need to be followed by both the landlord and the tenant.

There are various options available to buyers when it comes to property letting in Edinburgh. While buying a property, it is important for you understand which option you should go for. Having enough knowledge will definitely help you making your final decision. It is always good to seek help from letting agents in Edinburgh. These letting agents act as intermediaries between the property seller and the buyer.

Edinburgh letting includes excellent investment opportunities for residential and commercial properties to buyers, which can be rented out for earning huge returns on your investment. These letting agents act as an intermediaries between eh landlord and the tenant.

South Side Management is a leading Edinburgh letting company. It will not only help you in letting your property to let Edinburgh but also to rent a property at a suitable location in Edinburgh. It is pretty much easier for anyone to search letting in Edinburgh & houses to let in Edinburgh.

South Side Management is a leading

Edinburgh letting

company. It will not only help you in letting your

property to let Edinburgh

but also to rent a property at a suitable location in Edinburgh. It is pretty much easier for anyone to search

letting in Edinburgh

and houses to let in Edinburgh.

Article Source:

ArticleRich.com

Chinese billionaires have 12% of the world s wealth and counting

by

RebeccaJK

A new report by Forbes shows that, with the exception of the USA, China now has more billionaires than any other country on the planet.

Mainland China is now home to one hundred and fifteen billionaires. Hong Kong has thirty five and Taiwan twenty five.

Furthermore, almost all the billionaires in Thailand, Malaysia, Philippines, Singapore and Indonesia are of Chinese decent.

The report found that the two hundred and thirteen billionaires of Chinese origin have a combined wealth of US$567 billion. This means that Chinese billionaires now account for over twelve percent of the world s total wealth.

China s wealth has been largely attributed to its growth in manufacturing, financial services and foreign real estate investment.

However, unlike western billionaires such as software giant Bill Gates who tend to focus on a specific industry, those of Chinese decent tend to be involved in a number of different businesses.

The report found that in Hong Kong the majority made their fortunes in real estate and financial services. Whereas in Taiwan the electronics industry dominated, with billionaires such as Cher Wang and Wenchi Chen who made their fortunes from the HTC phone brand.

“A circle of wealthy Chinese people is taking shape. Wherever the billionaires are residing, their businesses are getting more and more related with the opening up and fast growing market on China’s mainland,” commented Zhou Jiangong, chief editor of Forbes China.

“The development of residential projects, hotels, commercial properties and the quick urbanisation on China’s mainland has provided an unprecedented feast of fortune,” he added.

Hong Kong is home to three of the richest Chinese on the Forbes list; Li Kai-shing; the Kwok family headed by brothers Thomas and Raymond; and Lee Shau Kee. All three made their fortunes in the real estate business in mainland China.

Li Kai-shing is the chairman of Hutchinson Whampoa and Cheung Kong Holdings. He maintained his position as China s richest man, growing his fortune by US$6 billion during 2010 to a total of US$26 billion.

Also on the list is Robin Li, the richest billionaire living on the Chinese mainland. His fortune of US$9.4 billion was made from China s answer to Google, Baidu.

The USA still counts the largest number billionaires globally, with four hundred and thirteen. However, for the first time in over a decade Asia has more billionaires on the list than Europe, with three hundred and twenty two compared to Europe s three hundred.

Rebecca Smith

OVG Marketing – http://www.ovgmarketing.com

Article source… http://www.ovgmarketing.com/chinese-billionaires-have-12-of-the-world s-wealth-and-counting/

Article source…

Rebecca Smith is a real estate journalist with more than 15 years experience. She is currently the sales director for

OVG Marketing

.

If you want to sell more property you have probably come to the right place.

Article Source:

ArticleRich.com

byAlma Abell

Although you loved one may not be with your in a physical form anymore, celebrating their life with Funerals in Davis CA can memorialize their life. Celebrating and memorializing their life gives you a chance to show all of their loved ones how much they meant to everyone. Losing someone who was your parent, your mentor or even your best friend can be very difficult because those moments can never happen again. A compassionate and empathetic funeral home can help you as the survivor as well as memorialize the loved one that meant so much to so many.

Maybe you have been fortunate enough that your loved one has done preplanning with their funeral. If they haven’t, choosing the proper funeral and burial service is so important to the grieving process. Maybe your loved one would have wanted a traditional burial or possibly a short limited graveside burial. These can happen with Funerals in Davis CA.

If you loved one chose to be cremated and placed into an urn, a professional funeral director and memorial service can be created for t hem. If your family member has been a veteran, special services to honor their service to the country can also be honored with their death. This would include filing the proper papers, military flag memorials and specialized merchandise for their service to the United States.

Preplanning is probably the easiest things for your loved ones. They don’t have to guess what would make you happy. They are already dealing with the loss of their loved one and a true show of love would be for the funeral to already be pre-planned. This leaves your loved one to only make sure that your wishes are carried out. Pre-planning allows you to make your own personal preferences with your financial situation. There is no guessing on the part of your survivors.

Whether you’re pre-planning or arranging a funeral of a loved one, find a funeral home that is willing to work with you. It is a very stressful time for you and your family. Having someone who is willing to hold your hand and help you through the process can make the grieving process easier.

By Preston Guyton

Good Reasons to Upgrade Insulation

Making your home more energy efficient can have a huge impact on your monthly energy bills as well as the environmental footprint created by your family. One of the best ways to make your home green and save on your utilities each month is to increase your homes insulation. Let’s take a look at the reasons to upgrade insulation in your home.

What Are the Best Insulation Upgrades?

Before we start on why good insulation is important you need to know the best ways to upgrade insulation in your home. First and foremost you need to reduce any drafts or air leaks in the home. A properly sealed home will retain the heating or air conditioning much longer, which means your heat and air units will run less often. Next you should consider upgrading to energy-efficient windows if your home is older. Single pane windows are one of the biggest sources of heat loss in an older home. Now that you’re home is airtight and has energy-efficient windows increasing the R-value of the insulation in the walls and ceiling will have a dramatic effect on your homes ability to stay warm in the winter and cold in the summer.

Energy Bill Savings

There is no question that heating and cooling bills are going up across the country. By making the insulation upgrades mentioned above you will save yourself money each month because far less energy will be required to heat or cool your home. With the current tax credits on energy-efficient upgrades and the low costs of improving your insulation, your home improvements will quickly pay for themselves.

Reduced Environmental Impact

The carbon emissions released from the burning of fossil fuels and the creation of electricity are incredibly detrimental to our environment. Any steps that you and your family can take to reduce your energy usage will make your carbon footprint much smaller. It will also help to limit the number of new power plants that need to be built to compensate for growing populations and their increased energy needs. Slowing or reducing our level of energy usage is one of the best things that can be done to ensure our environment stays healthy.

Increase Your Resale Value

When you go to sell your home the insulation upgrades that you have added can benefit your final sales price. The fact that you can prove that the monthly energy bills during the winter and summer are half the cost of the other homes in your neighborhood will make buyers want to consider your home more strongly. It is a great sales point that will make your home stand out when compared to the rest of the market, and will justify a higher sales price because buyers will be saving money each month due to lower utility bill costs.

Improving your homes insulation is a great way to save on your monthly bills, while reducing the environmental impact, and improving your home’s resale value. Whether it is new construction or an older home, there are many ways to make your home more energy efficient. When the upgrades are matched with tax credits, the improvements become very affordable and quickly begin to pay you back for your investment.

About the Author: Preston Guyton is a Realtor and Custom Home Builder serving the

Surfside Beach real estate

market. For more information on

Surfside Beach homes for sale

, contact Preston today and visit

PrestonGuyton.com

.

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By Patricia Payne

If you are trying to buy a home after a foreclosure or short sale you are probably concerned that you will not be able to get approved for a home loan. Though it may be difficult to get a mortgage after a foreclosure or short sale, it is not impossible

Getting a Mortgage after a Foreclosure

The housing market collapse hit all 50 states hard and resulted in many homes being lost to foreclosure. The number of foreclosures skyrocketed and the housing market has changed forever. The housing market changes are on many different levels. One way the housing market has been forced to change is how lenders perceive foreclosures on loan applications.

As you can imagine, there are some lenders that will not approve a mortgage for anyone whohad a foreclosure in their past. Some lenders may approve a mortgage after a specified period of time (1 year, 2 years, 5, years, 7 years, etc).

There are absolutely lenders that are approving mortgages for buyers who had a foreclosure in their past. These lenders will consider the overall circumstances behind the foreclosure and consider your overall application. You should be prepared to give a very detailed explanation about why the home went into foreclosure. Supporting documentation is also helpful

Speak to your loan officer upfront about your foreclosure and make sure he or she thinks you can still get approved before you waste valuable time.

Getting a Mortgage after a Short Sale

A short sale may not be as damaging to your credit report as a foreclosure. It is important to know that a short sale can be quite damaging, nonetheless. Some lenders have eased their guidelines for approving mortgages for people who had a short sale in their past. This is because many homeowners were forced to sell their homes below what they owed because of the crash in home values.

Keep in mind that the impact of a short sale on your mortgage application will also depend on how it was reported to the credit bureaus. You should get a copy of your credit report from all three credit bureaus and find out how the short sale was reported (if at all). The vast majority of mortgage applications ask about foreclosures and bankruptcy and not about short sales.

Speak to your loan officer about this upfront so you do not waste time.

Getting a Mortgage After a Short Sale or Foreclosure – The Bottom Line

The bottom line is you can be approved for a mortgage after a foreclosure or short sale. Find lenders that clearly state they offer mortgages to buyers with a past foreclosure or short sale. Know what is and what is not on your credit report and be upfront with the lender.

If you do your research and find the right lender you can be approved for a mortgage after a foreclosure or short sale.

This article is intended for general information. Always seek sound financial and legal advice before making any financial decision.

About the Author: Helpful mortgage information at

Online-Home-Mortgage.net

P. Payne works for

OHM Mortgage and Foreclosure Information Site

providing answers to all those questions people need to know.

Source:

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Submitted by: Larry Greenberg

Todays well-informed consumer knows that many variable annuitieswith their high costs and complicated featuresare a confusing maze of smoke and mirrors. But today there are simple, low-cost annuities that can offer consumers a better value. Below are three common questions that I often hear about variable annuities.

1. Question: Will the steep cost of variable annuity insurance fees cut into my returns?

Fact: There are low-cost annuities designed to charge minimal insurance fees and preserve the value of tax-deferral.

Most variable annuities charge asset based insurance fees such as a mortality and expense (M&E) fee. The average insurance fees for a typical VA are 1.33 percent of assets annually, according to Morningstar data as of December 31, 2008. Critics are quick to point out that such fees can erode the growth of your portfolio over the long term, and these fees can reach thousands or tens of thousands of dollars each year in the case of affluent investors with substantial balances.

The good news is that there are now low cost variable annuities that charge far less, and products are constantly evolving to provide you with better value.

2. Question: I understand annuities sometimes can pay the sales person high commissions.

Fact: There are new variable annuities that do not pay a commission of any kind.

Most variable annuities pay the salesperson a commission, generally in the five- to seven-percent range. The commissioned salesperson is working for the company that pays them to sell the variable annuitywhich may result in a conflict of interest.

As Wall Street Journal columnist Jonathan Clements wrote, Variable annuities are a favorite with unscrupulous investment advisers, who can collect ridiculously high commissions by foisting these turkeys onto unsuspecting investors. 1

New no-commission variable annuities are designed with two important goals. First, no-commission VAs help keep costs low, so they can provide you with cost-effective tax-deferred accumulation. Second, no-commission VAs are perfectly aligned with the mission of fee-only advisors, who do not accept commissions from any of the products that they recommend, allowing them to uphold their fiduciary obligation to you and provide you with the most objective financial advice.

3. Question: Is it true that some death benefits riders can drain variable annuity returns?

Fact: There are simple variable annuities that offer a basic death benefit at no extra charge.

A basic death benefit can guarantee that your beneficiaries will receive the current contract value, typically without the delays of probate.

Enhanced death benefits, which are generally designed to hedge against market downturns or rising inflation, can cost you an additional 50 basis points per year or more. While some investors may believe an enhanced death benefit is worth the extra cost, these insurance fees can cut into your returns.

If your objective is efficient wealth transfer, you may want to look at other possibilities. For example, if you are insurable, a term-life contract may be a more cost-efficient alternative. Unlike variable annuity assets, life insurance is not subject to ordinary income taxes when passed on to beneficiaries.

1 Defending a Much-Maligned Investment: When Variable Annuities Make Sense, Jonathan Clements, Wall Street Journal, October 20, 2004

About the Author: Laurence P. Greenberg is President and CEO of Jefferson National, which developed Monument Advisor, the first flat insurance fee variable annuity. See the impact fees and charges may actually have on your savings by taking the challenge at

AnnuityRescueCenter.com

and

PowerofTaxDeferral.com

. For more information or to receive a prospectus, visit www.jeffnat.com or call 1-866-WHY-FLAT (866-949-3528).

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