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Buying an investment property – Freedom Investment Property

Buying an investment property to secure your future is sure to be one of the most common routes Australians take to gain financial independence. It has recently been said that one in seven Australian taxpayers are property investors.

Despite the fact that the Australian property market has experienced a significant drop in prices, foreign property investors, especially those from the Asian region, have continued to buy property in Australia. This is because the Australian economy has shown its immunity to the financial crisis, as many Australian politicians claimed that Australia has not been affected by the financial crisis as much as other countries. Buying a rental property in Australia will surely be one of the safest ways to invest because the Australian property market continues to grow and the Australian economy is very resilient to external factors such as the financial crisis. Many years ago, I read a book in which the author stated that building a portfolio of investment properties is the only path to freedom.

He then created a new term ‘free investment property’ which he used to explain the formula for gaining financial freedom through investing. In his book, he explained that investing in property is the only way to overcome financial hurdles when we retire. And he backed up those claims by providing some tools for calculating how much we’re likely to save for retirement if we bluntly believe that retirement won’t provide us with enough funds to cover our retirement expenses. I must say that the discoveries I made were quite shocking. That is why I started my path of real estate investment.

It’s been over 20 years since I started on this path. I have my own portfolio of properties and now work with Ray White with the goal of helping others with all Real Estate related matters such as real estate investing, property management, property sales, Darlinghurst residential sales, leasing. We also provide home loan services to help others finance an investment property or finance a home. I also lead real estate workshops and real estate investment seminars helping others start or continue on this path. Consider this, every day a new real estate millionaire is born. This way of securing our financial future is becoming something that everyone does. So maybe you should start down the path of real estate investing?

Respectfully, Steven Murabito

Three Beginner Mistakes When Investing in REOs in Bulk

mistake 1

Failing to recognize “daisy chains”

Unfortunately, in this business you will find a collection of endless chains of self-proclaimed “brokers” and “mandates” who constantly misrepresent products they do not control or have proper authorization to advertise or sell.

Only through training and experience will you be able to recognize these business clowns within 2 minutes of being on the phone with them. You’ll learn early on that it’s not about finding deals, it’s about learning how to spot these clowns and get out of the call as quickly as possible.

These people who obviously have nothing better to do will be your undoing if you don’t learn soon how to pass them on to the actual source of the product, which is the hardest point to locate.

mistake 2

Not performing due diligence

Any time you’re investing, you need to do extensive due diligence to make sure the numbers make sense.

This is the main cause of the failed stories about investing in this industry. The slightest mistake can empty your pockets in the blink of an eye; This is why mentoring and pre-investment training are crucial in this business.

Hire local real estate agents to execute your BPO (brokers’ opinion of prices) and establish the true market value with updated figures for the current real estate market.

Many newly formed hedge funds find themselves guilty of this crucial mistake. They let the ruthless sharks that have been around a while talk them into buying a tape that is full of junk assets or overpriced.

mistake 3

Not “cherry picking”

This has more to do with being affiliated with an actual source or company that will give you access to their product and thus choose from their listings or properties.

Instead of waiting for that 100 property “home run”, you can work on those “one base hits” by picking one property at a time from a tape. Rehabbing and selling these one at a time will put money in your pocket immediately. You can always wait for the “big deal” this way.

Investing ONLY in the right type of properties will bring you success and eventually fortune in the bulk REO industry. This is the easiest and most effective way to earn money when you start out. Most companies and individuals will not evade this when operating at the single level.


Be vigilant and realistic and you will find the right source and the right training to succeed in investing in bulk REOs and nonperforming IOUs.

Read, research, and listen, but like everything in life, you must make your own decisions and choose your own path to success. By trusting your instincts and using some basic common sense, you can make this happen and earn a small fortune in the process. I wish you the best of luck in your future endeavors. Now go make a fortune.

Happy investing!

skin ray

Vacation Packages Overview: The Importance of Booking Your Airfare and Hotel Room Together

Vacations are supposed to be a fun way to get away from it all, so there shouldn’t be any stress before, during, or after your trip. There will be nothing to worry about alone during the planning process as long as you take advantage of vacation packages. With exclusive access to affordable hotel rooms, airlines, and wholesale booking engines, you should be able to get airfare, rooms, and a rental car all at once at an affordable price.

No one wants to book airfare only to find out later that there are no cheap hotel rooms available in the area. You would have to go over your budget and stay in an expensive hotel or look for undesirable alternatives, such as a cheap rental apartment or a hostel with very low ratings.

This type of problem can be eliminated by opting for vacation packages, which must include a stay at a nice and inexpensive hotel for a select number of nights and airfare. You may also want to sign up for all-inclusive packages. Even if you don’t think you’ll need everything, some of them are really affordable. Take a look at them to find out exactly what’s included. If there are things you know for sure you’ll be using, like fast Wi-Fi, dining discounts, free golf, etc., then it might be cheaper to pay for everything upfront in one package.

Destination-Specific Vacation Packages

If you don’t yet have your heart set on a specific destination, you can simply browse all the current offers to find out what packages are available. You can narrow the results down a bit if you need to for things like airport, number of nights, price, etc. Travel discount sites constantly update the “Deals” page with daily, weekly, and monthly deals. There are also options to sign up for newsletters or install apps to receive alerts.

It’s always a good idea to read reviews of particular resorts or hotels that appear on vacation packages before making a final decision. Make sure the package actually includes a decent hotel with the amenities you’ll need. Also look at a city map to find out exactly where a particular hotel near the airport is located and the attractions you want to visit on vacation.

There are a few other things to consider when evaluating vacation packages, such as whether or not pets are allowed (if you’re traveling with one) and whether parking is free (if you plan to rent a car). If you are not going to rent a car, see if it is easy to get to the hotel from the airport. Many of the popular resorts offer free transportation.

Online websites are the top vacation planning destination, where you will find tons of vacation packages all over the world. Intuitive tools let you search for airfare from the closest airports to almost any destination. There are options to include a hotel room and car rental. You can also use coupon codes online when booking your travel.

Is Panama Safe and Is It Ok to Buy Real Estate in Panama?

One of the most common questions I get – “Is Panama a safe country?”

Yes, definitely. In fact, Panama has been classified as one of the safest tourist destinations in the world along with Canada and the United States.

some personal experiences

Let me give you some personal examples and then let me give you some additional reasons why I think Panama is so safe.

For some time we lived near the town of Boquete Panama in the region of Los Altos de Chiriquí. It was an everyday scene: little children and young women walking many miles to get to work or school. My wife and I are exercise addicts and you may remember from my ‘Letters from Panama’ that we were in the gym business. At that time there were no gyms in Boquete Panama so I bought a used mountain bike. I just found one so my wife and I had to share. Every morning I would leave around 6am and then around 7am my wife would leave. She cycled through town and out of the city of Boquete along the quiet, winding country roads for about 10 km. She never once did she feel unsafe. Another example, at that time my children were only 11 and 9 years old. They would go out into the street and take one of the local taxis, pay 25 cents each and they would be taken to Boquete where they would buy ice cream for 25 cents. Honestly, I would not have been as comfortable and confident in our hometown in Ontario, Canada. In fact, I wouldn’t have done it there.

So what makes Panama so safe?

First, I think we need to look back at the history of Panama. Panama is a peaceful republic and for most of the last century it has been under the watchful eye of the United States. The Panama of today was born from a multicultural mix of people from all over the world thanks to the Panama Canal. To this day people debate “Who is the real Panamanian?” Most agree that the 7 Indian tribes probably have the best claim. Otherwise, they are all immigrants of one kind or another. As a result, it is difficult to distinguish Panamanians from visitors. You might see someone who looks a lot like an American, a Canadian, maybe from India or China; the reality is that they could all be second or third generation Panamanians who speak Spanish. Because of the country’s multicultural mix, it’s easy to blend in, to make sure you don’t stand out as a foreigner, or be different. So when you or I arrive in Panama, we are immediately accepted, we tend to mix.

Panama currency

Panama adopted the US dollar as its currency many years ago. This also contributes to safety. Often when we travel to foreign countries, we are taught to keep our dollars out of sight; It’s too tempting for the locals. In a country where the local currency may be undervalued, the US dollar has a certain appeal. But in Panama everyone is using the same money, be it a farmer, a banker or a tourist.

Weather in Panama

Another security issue that many investors do not consider is the climate of Panama. In recent years, hurricanes in the southern US and most of Latin America have brought this issue to the fore. As you saw in my last ‘Safety Letter’, Panama is in a unique region where violent weather is almost unheard of and it is the only country in Latin America that is free of hurricanes. That’s right, records dating back to 1851 show that Panama is in a safe zone where hurricanes never hit. As investors from Florida to Texas can attest, rising insurance rates can drastically affect your return. In Panama, your vacation and your investment will never fade!

It is also very safe to buy Real Estate in Panama

Foreigners, whether residents or non-residents, enjoy the same rights and privileges in the purchase and sale of real estate as Panamanian citizens. Foreign investors are granted a 10-year stability guarantee that all legal, tax, customs, municipal and labor regulations will remain identical to those in force at the time of registration of the investment. Law #54: Foreign Investor Protection Law provides these guarantees The US Embassy publishes the US Government Report on the Purchase of Real Estate in Panama and says: “Titled land, and the purchase process, is similar in concept to that of the US, and the land and deeds are duly registered with the Public Registry.”

Buying real estate in Panama is so safe that major US title insurance companies, like Land America Title, offer low-cost Panama policies.

Absorption rate and why it is important for your investment

Chances are, if you’re new to real estate investing, you’re feeling a bit overwhelmed with all the terminology you’re dealing with. After all, when he was making his initial investment in his residence, he doesn’t remember hearing terms like takeover fees.

You may be thinking that it’s not really something you want to be interested in with this potential real estate investment, but you have to change your mindset here. Real estate investing is a business, whether you are investing in one property or multiple properties. So you have to treat it as such and look at it from all different directions. This means paying attention to the absorption rate because it can have a direct effect on your investment.

It’s really not difficult to understand, and in fact, you may find it quite interesting. It simply means how long it will take to sell the property on the market in a given area.

Let’s say there are 500 houses in an area and 50 of these houses are sold each month. This means that it would take 10 months to sell all the houses. So you can assume that if you are the seller, you are looking at an average of 10 months to sell your home. If, on the other hand, you wanted to sell faster, it would mean lowering your price.

This all sounds like relevant seller news, but to what advantage can you as a buyer use it? If the takeover rate is high in the area you’re considering buying, it means there are more homes on the market, and this means sellers will face more competition. Your potentially lowest offer may seem like a good offer based on this.

The absorption rate is just one of many areas of importance when contemplating a real estate investment. If you apply the same careful research tactics when setting up your financing, then you are beginning to cover both ends of your investment.

For example, you’re being shrewd about your potential purchase, but on the other end of the spectrum you’re weighing your options on investment cost. When you put your full potential into these two areas, you are making your potential investment that much stronger.

By having the opportunity to take advantage of various real estate tactics when investing, it gives you more leverage as a viable investment compared to other types of investments that you don’t have the same amount of control over.

Frequently asked questions about the Holi experience in India

The Holi Festival or Festival of Colors has a tradition of more than 1,000 years in India (and Nepal). Holi is a happy and joyful time because the cold of winter is gone and the warm hues of spring are in the air. Nature is responding with new growth and color. People embrace the warmth and throw colored powders at each other as if they were throwing their worries to the wind. There is (organic) color everywhere: red, green, yellow, blue, black and silver.

People sing and dance as they go through Holi, throwing up the colors that also represent the flowers and growth of spring.

A more traditional explanation in India is that the Holi festival celebrates the love of Radha and Krishna. The spraying of colored powders reminds of the love sport of Lord Krishna and his devotees.

In 2017 Holi festival is celebrated in most places on March 13. It is usually a two-day celebration. The first day is known as “Holika Dahan” or “Chhoti Holi” and the second as “Rangwali Holi”, “Dhuleti”, “Dhulandi” or “Dhulivandan”.

As with other Indian traditions, the Holi festival has a cultural dimension. It is the holiday to end and get rid of past mistakes, to end conflicts by meeting with others, a day to forget and forgive. People pay off or forgive debts, as well as deal with them again in their lives. It’s like the beginning of the new year. Holi is a time to start over.

So what happens in the tradition? Holi celebrations begin the morning after the “Holika” bonfire. The “Holika” bonfire represents the victory of good over evil. For many people, there is no tradition of performing puja (prayer), and the day is for partying and pure enjoyment. Children and youth form groups armed with dry colors, colored solution in squirt guns, and water balloons filled with colored water, and other creative means to color their targets. In some places visitors are respected, but don’t be alarmed if you join the party, but be careful, even if the colors fade, it is better to wear old clothes. You will leave India with amazing memories and colorful photographs.

So why not join the Indians in celebrating this amazing event? There are several places to join, but in North India one of the best is the state of Rajasthan, where the celebrations are passionate, happy and inclusive.

5 Tips for First Time Home Buyers

If you’re a first-time homebuyer, you may want to have the right strategies for saving a down payment, applying for a mortgage, and buying the home you want. Like any large project, you need to get the details right for a successful home buying experience. With these steps, you can navigate the process and score a great deal. Below are some of the tips that can help you buy the best home. Keep reading to know more.

1. Start saving as soon as possible

Make sure you start saving as soon as possible. This way you will have a lot of money to spend on the best house. You need money for a down payment and to cover closing costs and moving expenses. Generally, the down payment is 10% of the total value of the property.

2. Decide your Bbudget

Find out how much you can spend on the property before you start your search. You can use an affordability calculator to establish a price range based on many factors, such as your credit score, down payment, and income, just to name a few.

3. Work with a Real Estate Agent

Working with a trusted real estate agent can help you find homes that meet your needs. They can make it easy for you to negotiate with sellers and get the best possible deal. You may also want to get referrals from other homebuyers. We suggest that you interview at least five agents and ask for their references. Make sure the agent has at least 10 years of experience in the field.

4. Choose the right type of house

You may want to compare the pros and cons of different types of properties based on your budget and lifestyle. Unlike a single-family home, a townhome or condo can be a much better option. Another great option that you may want to consider is a repair top. They come with lower price tags. But you may want to set aside some money to remodel these properties.

You may want to consider your long-term needs, especially if you plan to expand your family. In other words, you may want to buy a house that has extra rooms.

5. Stick to your budget

You may not want to spend more than you can afford. Therefore, it is not a good idea to spend more than you can get back. This is important if you want to avoid financial stress in the future. It is best that you consider properties that are priced below your maximum budget.

To sum it up, if this is your first time buying a home, we suggest you follow these steps and you will be able to buy your first home without getting into trouble. Just make sure you’ve set a budget and taken into consideration all the important tips given in this article.

Are reverse loans like a traditional loan?

The quick answer is “no,” it’s a completely different type of mortgage than the traditional one that almost everyone is familiar with if they’ve ever bought a home or done a refinance.

They are not underwritten using “debt-to-income” ratios, FICO scores, or “loan-to-value” calculations, but instead use the net cash flow of potential borrowers after all housing expenses have been deducted along with any debt credit card, installment loans and utilities. .

Included in this overview is a 24-month history of property taxes, homeowner’s insurance, and any HOA fees to verify they were paid on time.

A credit report is run to determine if there have been any late payments on credit cards or installment loans during the past 24 months.

If there have been any late payments during that time period, the Lender will request a letter of explanation and may require that some of the reverse loan funds be set aside in an escrow account to pay for ongoing housing expenses.

I am often asked how long a loan will take to complete and that depends on the borrower’s cooperation when asked to provide all the documents needed at the time of application.

And due to the fact that more paperwork is required from the borrower, it usually takes around 45 days to complete the loan and have the borrower sign the loan documents.

What should a person look for in a reverse loan?

They cannot be compared to traditional financing because they are very different and the loan amount is calculated based on the age of the youngest borrower and also depends on whether there is an existing mortgage to pay and the value of the property.

  • There are no “Points”, but sometimes there is an origination fee that is determined by the amount of the loan and the interest rate.
  • No lender “junk” fees can be charged and no matter who the company is offering the FHA HECM program, they all have the exact same interest rates and fees.
  • All rates are regulated by the federal government.
  • This is a mortgage offered by the FHA and is insured by the federal government.

The choice of company to represent you comes down to whether they will meet with you in person at your home or expect you to fill out a loan application and submit all your paperwork without helping you through what can be a confusing experience.

Ultimately, a reverse loan is still a mortgage and is recorded against the property in question as a lien, but there are no mortgage payments and the comparison to traditional financing ends there.

Factors to consider when establishing a retail business

Experience and knowledge of the business in mind is one of the factors to consider when setting up a retail business. The lack of that experience can reduce the success rate of the business, since it will not be able to deal with the problems inherent in that branch of retail. Therefore, it pays to work first as an employee. The branch of retail trade contemplated is another factor to consider.

You have to consider if your financial sources are adequate and if you know enough about the business. For example, to set up a cafeteria, you might need something like $200,000, while to set up a small food stand, you might only need $2000. On the other hand, there are other factors that need to be considered as well, and they are numerous. in number, such as the location of facilities, the adequacy of capital, the sources of supply of goods, the law of comparative advantage, and lastly, laws and regulations.

To decide on the location of premises or on a particular area, for example; in the center of the city or in any urbanization or even on which side of the street to set up a store and for this you have to take into account factors such as:

• The “demand” for your product. For example, if you are thinking of opening a jewelry store, it would be more profitable to have one in town. The market is much bigger since people from the suburbs and the city come together there.

• “Competition” from stores that sell similar products. Normally, you would be wise to stay away from areas where there is competition, unless you can offer better service at lower prices or demand expands in the near future.

Rents in the city would certainly be higher than in the suburbs. If you intend to buy the premises instead of renting it, you will most likely need more capital. If you do not have the necessary capital, you can obtain it through friends, family, banks or other financial institutions. Examples, financial companies.

It is important that you know which wholesalers to go to. Some may give better discounts and others may give longer credit. Is the law of comparative advantage more profitable to stay in your current job earning your monthly salary plus interest on the savings you have accumulated? Remember, if you become a retailer you have to give up your salary and interest on your savings. Therefore, your net profit from the retail sale must be greater than the amount you have given up.

Laws and regulations are another factor to consider when setting up a retail business. You should do a study of the business laws regarding the line of retailing that you want to venture into. Do you have to get a license? Can you trade with the specified goods and in the place selected by you?

Start your cruise vacation from Barbados, for a fabulous 7-day cruise of the southern Caribbean

Barbadian Presentation

The Caribbean island of Barbados has more than its fair share of sandy beaches, palm trees swaying in the sea breeze, and warm blue waters. Add in the welcome and friendliness of the locals, and it’s no wonder you have a favorite vacation destination. In the 18th and early 19th century, Barbados functioned as a sugarcane economy under British rule, and some original sugar plantations can still be seen reviving as museums depicting the hardships of slaves working in the sugar fields. sugar. Today the people of Barbados are called Bajans, and the ancestors of the old plantation system exist in relative harmony under democratic rule.

Of particular interest to the cruise ship tourist is that Barbados is the easternmost island in the Caribbean, so it usually avoids the terrible effects of tropical storms in the area. This is due to the fact that the island is situated just outside the main hurricane zone (on average, a hurricane only hits the island once every 26 years). This makes Barbados a very attractive cruise port, and in recent years, thanks to the nearby and well-connected Grantley Adams International Airport, the island has justifiably become a busy departure point for cruise ships.

bridgetown harbor

The Port of Bridgetown, or more correctly called the Deepwater Port, was built in the 1960s just a mile north of Bridgetown (the capital of Barbados). In 2002, the central channel was deepened to allow larger ships to use the facility. The deepening of the port has been a great success, leading to strong growth in both freight and cruise volumes. The port has 4 berths giving 1,531 meters of quay and can handle 5-6 large cruise ships. The 4 berths are the breakwater (522 m long), the sugar berth (307 m long), berths 2/3/4 (total length 550 m) and the Esso Dock (244 m), located outside the breakwater. (Editor’s note: If her ship is moored at Esso’s jetty, don’t feel inferior to her, because she’s usually chosen a great-value cruise!)

Between the docks and the port entrance is the cruise terminal, officially opened in January 1994. This is where you will book your cruise. The terminal houses the normal departments for handling cruise ship passengers, such as Immigration, Customs, Health Center, Animal Quarantine, Post Office and the Barbados Tourist Board. In addition to restaurants and bars, a business center and an Internet cafe. The terminal has plenty of space dedicated to shopping, with more than 20 duty-free shops offering beautiful jewelry, attractive tableware, the latest electronics, and locally sourced crafts.

Top 5 Things to Do in Barbados (Editor’s Pick!)

Hopefully, you’ll have a day or two available on one side of your cruise to explore beautiful Barbados. Not to be missed are:

1 beach

The island’s beaches are all open to the public. Nearest Bridgetown are the magnificent beaches of the Gold Coast. Payne’s Bay is ideal for swimming. Adjacent to Paynes Bay is Fresh Water Bay, with a beautiful trio of beaches, Brandon’s Beach, Paradise Beach and Brighton Beach.

2 Mount Gay Rum Distillery and Banks Beer Tour

If you enjoy an alcoholic drink (or two!), take a guided tour and tasting at Barbados’ premier rum distillery, then continue with a trip to Banks Brewery for some local brew.

3 Welchman Hall Ravine

A beautiful sub-tropical garden owned by the National Trust of Barbados. You will almost certainly see a group of wild monkeys.

4 Sunbury Plantation House

A large plantation house whose interior is open for viewing. The 300-year-old house is rich in history, with old prints, carefully written accounts, antique hardwood furniture, and a collection of horse-drawn carriages.

5 Broad Street in Bridgetown

Bridgetown’s main thoroughfare. Broad Street is lined with duty free outlets, bank offices and department stores. A good detour is Swan Street, which has many cheaper clothing stores and some cozy terrace cafes.

Choosing a cruise from Barbados

Thanks to its ideal location in the middle of the southern Caribbean, Barbados is an excellent choice as a starting point. Itineraries offered include the Greater Antilles (Jamaica), the Windward Islands (Dominica, Martinique, Saint Lucia, Saint Vincent), the Leeward Islands (Saint Bartholomew, Saint Martin, Saint Kitts, Nevis, Guadeloupe, Trinidad and Tobago ), the Netherlands Antilles off the north coast of Venezuela (Aruba, Curaçao and Bonaire) and even the Brazilian Amazon.

A favorite is a 7-day southern Caribbean circuit calling at St. Lucia, St. Kitts, St. Martin, St. John, St. Thomas, Dominica (southern caribbeandeparting every Wednesday at Carnival Victory).

Other ideas are Great Adventurer of the Caribbean (of Princess Cruises) calling at St Vincent, St Georges, Bonaire, WIllemstad, Grand Cayman, Jamaica, Dominican Republic, St Thomas, St Kitts, St Johns, Dominica or, for the adventurous, Caribbean and Amazon (PO Cruises) with calls in Grenada, Santarem, Parintins, Manaus, Tobago, St Lucia.

Traveling to the Cruise Terminal from Grantley Adams Airport

Grantley Adams is 13 miles from the Port of Bridgetown. The airport is served by planes from North America, Europe and other Caribbean islands. The journey from the airport to the cruise terminal is easiest by taxi and takes about 30 minutes. The charge is around fifty Bds. (Editor’s note. It’s a real pleasure to be able to speak to (or at worst argue with) the taxi driver in English, rather than being at a complete disadvantage for not knowing the local language. In my experience, Bajan taxi drivers They are friendly and don’t overcharge.

It is also worth knowing

The Barbadian dollar (Bds) is pegged to the US dollar and one Barbadian dollar is always worth half a US dollar, with a rate of 1 US dollar = 2 Barbadian dollars.

Each traveler arriving in Bridgetown must pay a tax of US$6.

The official language is English, but Bajan (a local dialect derived from English and generally difficult to understand) is widely spoken.

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