16joaquim16

PLEASE NOTE THAT FUNGI ARE NOW ABOUT 600 GPS EACH, THIS IS AND OLD VIDEO!!! Hate you Elemento X4.

Emlyn Scott


Real estate (both residential and commercial property) is perhaps the best way for the average person to generate wealth. There are many reasons why real estate is such a brilliant way to fast-track your wealth plan and why it’s so popular with those who want to become wealthy or are already wealthy. The key ones are:

1. Income and capital gain

2. Financial leverage

3. Low volatility

4. Below-market purchases

5. Add value

6. Ability to extract cash that is tax-deferred

7. Simple

Let’s look at each of these advantages.

Income and capital gain:

Real estate offers investors the ability to gain on both income and price appreciation. Income comes in the form of rentals and investors’ benefit from rental increases over times, which are usually in line with inflation or wage growth. This means that those who hold properties over the long term can experience significant increases in the income their properties produce, while mortgage payments remain constant.

Investors also benefit from the capital growth in the value of their properties over time, while their mortgage either stays the same (interest only) or reduces (repayment mortgage). This is usually a slow, constant growth rate that reflects increasing demand due to inflation and population growth. One of the wonderful things about capital growth is that it’s unrealized income and as such you don’t pay tax on it until you realize it…i.e. sell your property.

Financial leverage:

Financial Leverage, also known as gearing, allows you to control assets far beyond and much earlier than by using your own money. Real estate is quite unique in that those with money, namely banks, are more than willing to lend you their money for property investment. Turn on the TV, open up a magazine or walk down a main street, and you’ll see ad after ad for financial institutions offering to loan you money for a home loan. When compared to all other asset classes, property stands alone. Why? Because banks consider property a low-risk asset.

The key benefit of gearing is that for every dollar you invest you control more assets…assets that are paying an income and growing in capital value.

Let’s say you’ve managed to save $15,000 and you wanted to compare stocks and property as two investment alternatives to see how they stacked up. Well, for stocks your $15,000 would buy $15,000 worth of stocks as gearing is both difficult and fairly risky. For real estate however, it’s quite simple to get 85% leverage on residential property, which would allow you to purchase a property worth $100,000.

Assuming that both stocks and property increase in value by 5% per year and the income from your property covers all your interest costs and running expenses (which it should if you’ve positively geared), how do they compare?

Both stocks and property have produced the same return on the invested capital. i.e. 5%. However, this does not represent the return that you receive on the cash you’ve invested. The return on your cash using stocks is still 5% as there is no gearing, but your return on your real estate is actually 33%. This is why a direct comparison of returns between stocks and real estate is totally pointless. You need to take into account the effects of gearing. Financial leverage is one of the key reasons why using property is so powerful since you can use OPM to multiply and fast-track your wealth plan.

Low volatility:

Volatility is generally considered the normal measure of risk. The wealthy do not agree entirely with this assessment of risk, but for the purposes of this analysis well stick with this version of risk (for the wealth creation view of risk visit the Risk category). If you were to compare the market index like the Dow, S&P, FTSE, All Ords, etc against property indexes over similar periods, property is far less volatile. But this hides the real truth…Firstly, what is the likelihood that an individual stock or property will follow their respective indexes? In the case of stocks, who knows! The average return of a market doesn’t tell you anything about a particular stock’s movement. Some individual stocks go up, while others go down. Compare this with property. If average prices of property have risen 5% over a year, it’s pretty likely that an individual property will move fairly close to this average.

Secondly, prices in stocks can move every second the market is open. Again, compared to property, the prices tend to change far more gradually and consistently over time.

Below-market purchases:

Real estate is an incredible wealth building tool because it can be purchased below its market value. It’s just not possible to buy below market value when you deal in bonds, stocks or commodities. There’s just one market price.However, with real estate there will always be desperate sellers willing to sell their properties below market value. Why? The most popular reasons are:

* Need to sell quickly due to divorce or financial strain

* Tired and frustrated of the sales process

* Don’t want the hassle involved in dealing with real estate agents and showing lots of people through their home

* Prior sale falling through

* Selling privately and lack of knowledge of their property’s true value.

Add value:

Too many people walk into a property and are turned off by superficial problems. However, all often the problems are quite superficial and can be easily fixed resulting in enormous value and profit. You can visit your local paint shop and repaint the place or put in new carpet or wood flooring, replace the bathroom or kitchen, put in new lights and switches, clean and mow the yard, or any number of other things that will add far more value than the cost of the improvement. Property is quite unique in this regard. With stocks, mutual funds, commodities or bonds, it simply isn’t possible to add any value to your purchase.

Ability to extract cash that is tax-deferred:

When a property increases in price, it’s quite simple to re-mortgage the property and extract cash out of it to buy more assets to build your wealth. You don’t pay tax on the money you’ve released because it’s a loan (not income) and the interest on the loan is tax-deductible as long as it’s spent on buying assets.

It’s a common misconception that this is tax-free income. It’s not tax-free but, rather, tax-deferred until you sell the property. If you don’t sell, there’s no tax to pay.

Releasing cash tax deferred is one of the most effective ways to build wealth quickly and efficiently. Thousands can turn into hundreds of thousands and hundreds of thousands into millions in a very short space of time. For example, if property were to double every 5 years and you had $15,000 in cash, then with 85% loan to value loans you could turn it into nearly $7 million in equity on a $45 million portfolio after just 15 years.

Simple:

Assessing and buying real estate isn’t complex. We all know what makes a good residential property and what looks in need of some attention. Of course, things like structural surveys, etc. are for experts, but that’s just a matter of hiring a surveyor. Local agents can give you the low down on what’s in demand and what’s not. Anyone can tell if a property is desirable to live in and as they say “practice makes perfect.” With practice you’ll begin to find not only the best properties to rent but also the ones that are being offered below market value.

Hopefully you’ll agree that these 7 reasons make property one of, if not the, best method for the average person to generate enormous wealth

Najib


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How To Make Money Fast Online

Maverick Money Makers © 1997 - 2008

http://www.tiptopmoneymaker.com

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The question has come into everyone’s mind at one point or another.”How do I make money fast?” Luckily for everyone who has ever had that question come to mind there is an answer! There are several ways to make money quickly online, now we will venture through the online category.

3 websites to make money online.

1. Associated Content.

2. Cash Crate.

3. Forum booster.

Let’s begin with associated content. Associated content should be the number one stop for those people who frequently ask themselves, how I could make money fast. Associated Content requires you to write content, which in other words for those who aren’t familiar with the online language, content means articles.

Associated Content requires that you write articles for them, they will pay you anywhere from $3 to $40 for your content.

Most of the time however the bids that they place on your content are for much less than $10. However, this is still a great way to make money online if you can type several articles per day. You may be surprised to see how easy it has become to earn a part time income through writing for Associated Content.

The next site that we will talk about is Cash Crate. Cash Crate is a site that pays you to take surveys. They may pay anywhere from a dollar to possibly a hundred dollars, just for you to take a survey.

Doesn’t sound too bad now does it? The reason they pay you to complete surveys is that companies are willing to shell out loads of cash for in-depth information from their consumers to find out exactly what they word on the street is about their product or services.

They even have a daily survey on the homepage that is guaranteed to make you some extra income; the guaranteed survey on the homepage pays $0.80. It may not seem like much but do the math, over a 30 day time period. That is almost $30 extra dollars just for taking surveys.

Are you still asking yourself that question, how do I make money fast? Well if writing tons of articles and taking surveys doesn’t really sound like your cup of tea, there is always the alternative of Forum Booster.

Forum Booster is a website that pays you $0.10 for each post you make on a forum. This is great for those of us that would be searching and posting on forums either way, why not get paid for it? If you can post sixty posts in 1 hour, you can make $6, which is not that bad for earning money online.

It may not be minimum wage, but you have the advantage of being in the comfort of your own home. You can be in your pajamas sipping coffee while working on posting on these forums. Each post should be a minimum of 12 words, which is not difficult to do at all.

Overall there are tons of ways to make money quickly online but these are just the tried and true and the best of the best.

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Maverick Money Makers is a private

society that will teach you how to

build a six-figure a month business

on the internet.

http://www.tiptopmoneymaker.com

If you want to make money online,

join the society before it’s too late.

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lisa3876

My thoughts on the ClickBank affiliate program. See my top money makers: blog.2createawebsite.com

wasteman


Hi im a warcraft n00btard (lvl 9) what is the best money making profession ive heard mining and skinning, could someone tell me how to make money with these? Thanks
my names pwnerer if anyone wants to know

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Patrick Adams


Many people are now obsessed with the idea of becoming rich. The economy has taken a downturn in the last few years and for most individuals it is all about survival. Many multinationals have closed shop and the ones that are still in business are barely surviving. The idea of wealth creation is a new concept for many. The financial hardships that you are facing should not put you down because there are many ways to pull yourself out of this situation. These strategies will help you make as much money as you want.

The first thing you should have in mind when staring out is that you need sound wealth creation strategies. Be careful so that you do not fall in to the trap of scams that are out to rob you off your hard earned money. There are some programs that you will find on the Internet while others will provide you with a lot of reading material that is not even helpful. Even before you set out to go looking for a strategy, evaluate yourself to find out whether you are ready for that kind of business.

This is because for any strategy to work, you have to invoke the power of your entrepreneurial skill. There is no way about this pillar because if it is not in you, it won’t matter how many wealth secrets manuals you read or workshops you attend.

A well laid out business plan is also important whether you are staring out on a conventional business venture or you are just looking for a way to make money online. The idea that you use for your business should also be original. Choose an area that has not been explore before so that you gain the maximum return from it. If the concept is based on an already existing idea, you should customize it to fit the goals that you have set for your business.

Another aspect in the secret to wealth is how the way you relate to the universe. It is necessary for you to maintain a good connection with the world through meditation and having good discipline. When you couple this with the skills and hard work that you will put into the business, you are sure to make lots of money. This is the method that has been applied by most wealthy individuals. If you follow these guidelines the economic crisis will not be of concern to you in any way.

Sean Rasmussen


A number of common traps keep the middle-class from maximizing their money-making potentials and succeeding in wealth creation. Among the most common wealth creation trap of the middle class is the “appearance of money”.

What Is the Appearance Of Money?

The appearance of money, as might already have been guessed, is simply the need to buy and to have so that one looks like he or she (or they) have money. It grows out of the need to keep up with the neighbors, to be accepted, to live the way and have the things that they feel society says they should.

It is easy for the middle class to have the appearance of having money. Easy credit, bank loans, mortgages, car and automobile loans, all are designed to give the middle class the appearance they need; and to indebt the middle class to the banking institutions in the meanwhile. By playing on the psychology of the middle class, the banks create an everlasting cash flow for themselves. A cash flow that, although the middle class willing subjects themselves to, is at the expense of the middle class, at the expense of the middle class’s financial success.

As long as the focus of life is on appearing wealthy, the focus is not appropriately placed on making money. But the only real way to be wealthy is to make money, create wealth, and achieve lasting financial success.

Don’t The Wealthy Present The Appearance Of Money, Too?

It is a fallacy myth, that the rich struggle to keep up and appear wealthy. The wealthy present the appearance of money because they actually have money. It is not an appearance, it is their reality!

The reason that the wealthy have money is because they have properly placed their priorities. The wealthy shun status and focus on the real goal, financial freedom, and work to achieve it. Once they have, the wealthy are able to buy what they want and live the life they want to because they have the financial backing to do so.

The real difference between those who succeed in wealth creation and those who fail is based in a very large part in the goals set in the beginning.

- The middle class (referring to those unable to move beyond a work-for-pay lifestyle) focus on getting and having things.

- The wealthy focus on having money so that they can have things.

As Jamie McIntyre if the 21st Century Academy says, “Many people get caught up in appearing to be wealthy, instead of becoming wealthy.” It is an unfortunate truth, but not one that is without hope of changing.

Just as appearing to be wealthy is a mindset a psychology, so, too, is being wealthy. The choice can just as easily be made to really be wealthy as it can be to look wealthy. Making that choice, and re-prioritizing, is one of the first critical steps towards wealth creation and towards really financing the life of the wealthy.

jules4128


Feedback please- these Funds are exploding in popularity. With Merrill Lynch raising $6.6 billion from preferred shares to investors that include Kuwait Investment Authority, and Saudi Arabian Prince Alwaleed and the Singapore government injecting $7.5b into Citigroup (4.9% stake to Abu Dhabi), not to mention UBS obtaining $9.75b from Singapore’s largest sovereign wealth fund… is this potentially the creation of the next bubble? With banks all across the board getting a good shelacking from subprime, what are the implications of these magical funds? I am skeptical of the nature of these funds… what’s your prediction?

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aweatherston

Hello smule and everyone from the ocarina community. This is my first video entry in the “This contest blows” competition at smule.com When thinking of ways to create a “smulean” video, the thought occured to me that one place I see alot of musicians is on the street, so I decided to brave the cold and the snow and play outside one lunch hour. Unfortunately you can’t really hear my ocarina in any of the footage we got. I was playing songs out of the handy holiday PDF file that’s on smule’s …

Tito O


The definition of socialism is as follows: a theory or system of social organization that advocates the vesting of the ownership and control of the means of production and distribution, of capital, land, etc., in the community as a whole. (in Marxist theory) the stage following capitalism in the transition of a society to communism, characterized by the imperfect implementation of collectivist principles.

Socialism, according to Karl Marx, is the transition between capitalism and communism. To achieve communism, Marx says, there must be continuing revolution in which the fundamental principal is: The end justifies the means.

For more than half a century, capitalism in the United States has taken a beating from the socialist revolution. Despite the best efforts of conservatives since the Roosevelt era, socialists have made great strides toward converting the nation to socialism. Apparently, the majority of Americans either fail to recognize the transition, or welcome it. The enthusiastic support for Barack Obama, especially among young people, is abundant evidence.

Obama has declared that he believes every person has a “right” to health care. The Socialist Party USA believes every person has a “right” to health care.

Obama believes that labor unions should be allowed to organize without a secret ballot. The Socialist Party USA calls for unions to be recognized without a secret ballot.

The Socialist Party USA recognizes the “right” of adequate housing for everyone. Obama trained ACORN (Association of Community Organizations for Reform Now) workers to secure mortgages for unqualified people in sufficient numbers to collapse the housing and home-financing industries.

The Socialist Party USA believes that “capitalism is fundamentally incompatible” with socialism. For years, Obama worked in Chicago through the Annenberg Challenge, along with Bill Ayers, to funnel more than $50 million to anti-capitalist education projects. In November 2006, Ayers traveled to Venezuela to speak at Hugo Chavez’s Education Forum where he railed against “the failings of capitalist education,” and praised the “Bolivarian Revolution and the profound reforms in education made by Hugo Chavez.”

The Socialist Party USA believes in open borders and six-months residency as the only requirement for U.S. citizenship. Obama marched with illegal aliens in Chicago in support of “comprehensive” immigration reform. Listen to Obama’s promises to La Raza in 2007.

The Socialist Party USA calls for an immediate withdrawal from Iraq. Obama says, “I will end this war,” with never a reference to “winning” or “victory.”

The Socialist Party USA calls for the “unconditional disarmament” by the United States. Obama has promised to dramatically reduce defense spending. Listen to his words here.

The Socialist Party USA calls for a “livable guaranteed annual income.” Obama trained ACORN members to conduct “Living Wage” campaigns in cities around the country.

The Socialist Party USA calls for a “steeply graduated” tax policy to redistribute wealth. Obama has promised to increase the tax burden on the rich to redistribute wealth to the poor. He revealed his philosophy when answering a question from Joe the plumber, who complained that he was being taxed for his success. Obama said:

It’s not that I want to punish your success. I just want to make sure that everybody who is behind you, that they’ve got a chance for success too. My attitude is that if the economy’s good for folks from the bottom up, it’s gonna be good for everybody. I think when you spread the wealth around, it’s good for everybody.
This list of comparisons could be quite long. This is sufficient to reveal an unmistakable similarity between Obama’s political beliefs and the beliefs of the Socialist Party USA. The tragedy is that Obama’s supporters don’t care. In fact, many of his supporters are delighted that he promises to usher in a new era of socialism, and push the memory of capitalism further into history.

Socialists, who are in perpetual revolution, who believe that the end justifies the means, have worked through educational institutions, non-government organizations such as ACORN and by electing socialists to public office to silence teaching the virtues of free enterprise, capitalism, private property, individual responsibility and personal achievement. For nearly two generations, students have been fed a steady diet of socialism under a variety of disguises, including Outcome Based Education, No Child Left Behind, School-to-Work and a host of other “feel good” slogans.

Students and young adults no longer know why capitalism is better than socialism. Like Obama, young people really believe that when government redistributes wealth, “it’s good for everybody.” They do not realize that wealth redistribution is no substitute for wealth creation. They are never taught that the only way to create wealth is for an individual to combine his energy and intel

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