With petrol becoming more and more expensive and no respite in sight many drivers are looking for someothing else. Is a hybrid or electric car a viable alternative? Will it be reliable? Will it be worth the investment?
Sunday 9 October 2011
Friday 29 July 2011
Carbon Credits
"Carbon credits will be the world's biggest market" - New York Times
Companies and individudals are going green by offsetting their carbon footprints.
Carbon credit brokers are springing up and making good money all the time.
CLICK HERE to find out how you can get involved
Companies and individudals are going green by offsetting their carbon footprints.
Carbon credit brokers are springing up and making good money all the time.
CLICK HERE to find out how you can get involved
Saturday 28 May 2011
How to invest in property without spending any money
Consider this situation.
A property investor identifies ten suitable properties each worth 100K (lets say) and submits a bid of 75K on each one. The details of each of these properties is irrelevent but flats within walking distance of a town centre or a railway station are a good idea. One bid is accepted (there probably will be more) and the developer goes ahead and purchases the property. He pays 12K deposit using short term finance obtained using credit cards and will pay 0% interest on the loan which will be needed for six months at the most.
As soon as possible he applies for and gets an 85% mortgage on the property. He spends 4K on a basic refurbishment and his legal costs are 1K. He has spent approximately 17K acquiring a property which is worth 100K.
He then gets the property revalued and he obtains the original 100K (or close to it) valuation. He then gets a new 85% mortgage on the property which would give him 85K and use it to repay the original 64K mortgage. He has his original 17K back and has a surplus of 4K. He owns a property worth 100K and has paid nothing for it.
He can easily find a tenant and the rent will cover his mortgage. He can sit back and watch the property increase in value. There obviously are blips, but property values increase the vast majority of the time and property is the best investment you can make.
This system would work even better if property values were increasing rapidly. He might get a valuation of 110K and a subsequent 10K increase in profit. If the investor is good at identifying undervalued properties then the profit margin becomes even bigger.
For more business building tips and to download some FREE e-books. click here.
Article Source: http://EzineArticles.com/?expert=Paul_M_Williams
Article Source: http://EzineArticles.com/1917679
A property investor identifies ten suitable properties each worth 100K (lets say) and submits a bid of 75K on each one. The details of each of these properties is irrelevent but flats within walking distance of a town centre or a railway station are a good idea. One bid is accepted (there probably will be more) and the developer goes ahead and purchases the property. He pays 12K deposit using short term finance obtained using credit cards and will pay 0% interest on the loan which will be needed for six months at the most.
As soon as possible he applies for and gets an 85% mortgage on the property. He spends 4K on a basic refurbishment and his legal costs are 1K. He has spent approximately 17K acquiring a property which is worth 100K.
He then gets the property revalued and he obtains the original 100K (or close to it) valuation. He then gets a new 85% mortgage on the property which would give him 85K and use it to repay the original 64K mortgage. He has his original 17K back and has a surplus of 4K. He owns a property worth 100K and has paid nothing for it.
He can easily find a tenant and the rent will cover his mortgage. He can sit back and watch the property increase in value. There obviously are blips, but property values increase the vast majority of the time and property is the best investment you can make.
This system would work even better if property values were increasing rapidly. He might get a valuation of 110K and a subsequent 10K increase in profit. If the investor is good at identifying undervalued properties then the profit margin becomes even bigger.
For more business building tips and to download some FREE e-books. click here.
Article Source: http://EzineArticles.com/?expert=Paul_M_Williams
Article Source: http://EzineArticles.com/1917679
Friday 8 April 2011
How to Borrow Money at 0%
Credit cards are great. everybody has one and you can use them to spend other people's money. The disadvantage is that the money must be repaid and it can be very expensive at anything up 20% per year. However, if you are clever you can borrow money on a credit card for practically nothing and get immediate access. It is instantly available money.
The competition for credit card business is immense. There are many many of credit cards available, all attempting to attract customers with different offers e.g. no annual fee, air miles etc. We are only concerned with the Introductory Balance Transfer Rate being offered. You can then use a simple system to borrow money and pay very little for it.
Apply for a credit card that issues credit card cheques. An example of an issuer is Virgin Money but there are others. Not every credit card issues them. Credit card cheques are simply cheques that you write in the same way you would write a personal cheque but they debit your credit card account rather than your bank account. You can then write a cheque to pay for anything you want. You can even buy property.
For any money you borrow using this system you will be charged about 2% of the sum borrowed for the one month you need it. However, you will not have to pay this yourself because you can transfer the whole balance (including the charge) to another card.
Apply for another credit card that offers a low introductory balance transfer rate and there are many available. Choose the lowest transfer rate possible but it is often possible to find one with an Introductory Balance Transfer Rate of 0%. You can now transfer your original balance from the first card to the new one. Do this before the second month of the loan begins to avoid another month's charges on the first card. You now have no balance on your first credit card and a balance on your second card that's attracting an interest rate of 0%.
Apply for another credit card with a low introductory balance transfer rate before the second card's introductory term ends. These Introductory Rates can last anything between five months and nine months or possibly more.
Don't apply for this second card straight away because your application might be rejected. You cannot apply for lots of credit cards at the same time because your application is registered on a central database and all credit card companies have access. Some firms might reject your application if the database shows that you have received another credit card from another company recently. For this reason it is best to stagger your applications over a period of time.
When you have received your third credit card before the Introductory Rate on your second card ends, transfer the balance again. This can be repeated over and over again. You never have to pay more for credit than the rate being offered as Introductory Rates and this will probably be 0%. You just transfer the balance to a new card every six months or so and initially you will pay 0% interest.
When you have exhausted cards that offer 0% you can switch to 1%, 2% or 3% rates. It is still very cheap money.
For more business building tips and to download some FREE e-books. CLICK HERE
Article Source: http://EzineArticles.com/?expert=Paul_M_Williams
Article Source: http://EzineArticles.com/1889432
The competition for credit card business is immense. There are many many of credit cards available, all attempting to attract customers with different offers e.g. no annual fee, air miles etc. We are only concerned with the Introductory Balance Transfer Rate being offered. You can then use a simple system to borrow money and pay very little for it.
Apply for a credit card that issues credit card cheques. An example of an issuer is Virgin Money but there are others. Not every credit card issues them. Credit card cheques are simply cheques that you write in the same way you would write a personal cheque but they debit your credit card account rather than your bank account. You can then write a cheque to pay for anything you want. You can even buy property.
For any money you borrow using this system you will be charged about 2% of the sum borrowed for the one month you need it. However, you will not have to pay this yourself because you can transfer the whole balance (including the charge) to another card.
Apply for another credit card that offers a low introductory balance transfer rate and there are many available. Choose the lowest transfer rate possible but it is often possible to find one with an Introductory Balance Transfer Rate of 0%. You can now transfer your original balance from the first card to the new one. Do this before the second month of the loan begins to avoid another month's charges on the first card. You now have no balance on your first credit card and a balance on your second card that's attracting an interest rate of 0%.
Apply for another credit card with a low introductory balance transfer rate before the second card's introductory term ends. These Introductory Rates can last anything between five months and nine months or possibly more.
Don't apply for this second card straight away because your application might be rejected. You cannot apply for lots of credit cards at the same time because your application is registered on a central database and all credit card companies have access. Some firms might reject your application if the database shows that you have received another credit card from another company recently. For this reason it is best to stagger your applications over a period of time.
When you have received your third credit card before the Introductory Rate on your second card ends, transfer the balance again. This can be repeated over and over again. You never have to pay more for credit than the rate being offered as Introductory Rates and this will probably be 0%. You just transfer the balance to a new card every six months or so and initially you will pay 0% interest.
When you have exhausted cards that offer 0% you can switch to 1%, 2% or 3% rates. It is still very cheap money.
For more business building tips and to download some FREE e-books. CLICK HERE
Article Source: http://EzineArticles.com/?expert=Paul_M_Williams
Article Source: http://EzineArticles.com/1889432
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