Wednesday, 9 March 2016

Blackpool Gazette Luciano Ruocco - How to Invest in Real Estate Business

Buying real estate is about more than just finding a place to call home. Investing in real estate has become increasingly popular over the last 50 years and has become a common investment vehicle. Although the real estate market has plenty of opportunities for making big gains, buying and owning real estate is a lot more complicated than investing in stocks and bonds. 

Basic Rental Properties - Luciano Ruocco Blackpool  

This is an investment as old as the practice of land ownership. A person will buy a property and rent it out to a tenant. The owner, the landlord, is responsible for paying the mortgage, taxes and costs of maintaining the property. Ideally, the landlord charges enough rent to cover all of the aforementioned costs. A landlord may also charge more in order to produce a monthly profit, but the most common strategy is to be patient and only charge enough rent to cover expenses until the mortgage has been paid, at which time the majority of the rent becomes profit. Furthermore, the property may also have appreciated in value over the course of the mortgage, leaving the landlord with a more valuable asset. According to the U.S. Census Bureau, real estate has consistently increased in value from 1940 to 2006, then proceeded to dip and rebound from 2008 to 2010.

Blackpool Gazette Luciano Ruocco 

There are, of course, blemishes on the face of what seems like an ideal investment. You can end up with a bad tenant who damages the property or, worse still, end up having no tenant at all. This leaves you with a negative monthly cash flow, meaning that you might have to scramble to cover your mortgage payments. There is also the matter of finding the right property. You will want to pick an area where vacancy rates are low and choose a place that people will want to rent.

Perhaps the biggest difference between a rental property and other investments is the amount time and work you have to devote to maintaining your investment. When you buy a stock, it simply sits in your brokerage account and, hopefully, increases in value. If you invest in a rental property, there are many responsibilities that come along with being a landlord. When the furnace stops working in the middle of the night, it's you who gets the phone call. If you don't mind handyman work, this may not bother you; otherwise, a professional property manager would be glad to take the problem off your hands, for a price, of course.

Real Estate Investment Groups - Blackpool Gazette

Real estate investment groups are sort of like small mutual funds for rental properties. If you want to own a rental property, but don't want the hassle of being a landlord, a real estate investment group may be the solution for you. A company will buy or build a set of apartment blocks or condos and then allow investors to buy them through the company, thus joining the group. A single investor can own one or multiple units of self-contained living space, but the company operating the investment group collectively manages all the units, taking care of maintenance, advertising vacant units and interviewing tenants. In exchange for this management, the company takes a percentage of the monthly rent.
There are several versions of investment groups, but in the standard version, the lease is in the investor's name and all of the units pool a portion of the rent to guard against occasional vacancies, meaning that you will receive enough to pay the mortgage even if your unit is empty. The quality of an investment group depends entirely on the company offering it. In theory, it is a safe way to get into real estate investment, but groups are vulnerable to the same fees that haunt the mutual fund industry. Once again, research is the key.

Real Estate Trading - Luciano Ruocco 

This is the wild side of real estate investment. Like the day traders who are leagues away from a buy-and-hold investor, the real estate traders are an entirely different breed from the buy-and-rent landlords. Real estate traders buy properties with the intention of holding them for a short period of time, often no more than three to four months, whereupon they hope to sell them for a profit. This technique is also called flipping properties and is based on buying properties that are either significantly undervalued or are in a very hot market.
Pure property flippers will not put any money into a house for improvements; the investment has to have the intrinsic value to turn a profit without alteration or they won't consider it. Flipping in this manner is a short-term cash investment. If a property flipper gets caught in a situation where he or she can't unload a property, it can be devastating, because these investors generally don't keep enough ready cash to pay the mortgage on a property for the long term. This can lead to continued losses for a real estate trader who is unable to offload the property in a bad market.

Blackpool Gazette Luciano Ruocco 

A second class of property flipper also exists. These investors make their money by buying reasonably priced properties and adding value by renovating them. This can be a longer-term investment depending on the extent of the improvements. The limiting feature of this investment is that it is time intensive and often only allows investors to take on one property at a time.

REITs - Blackpool Gazette Luciano

Real estate has been around since our cave-dwelling ancestors started chasing strangers out of their space, so it's not surprising that Wall Street has found a way to turn real estate into a publicly-traded instrument. A real estate investment trust (REIT) is created when a corporation (or trust) uses investors' money to purchase and operate income properties. REITs are bought and sold on the major exchanges, just like any other stock. A corporation must pay out 90% of its taxable profits in the form of dividends, to keep its status as an REIT. By doing this, REITs avoid paying corporate income tax, whereas a regular company would be taxed its profits and then have to decide whether or not to distribute its after-tax profits as dividends.

Blackpool Gazette Luciano Ruocco 

Much like regular dividend-paying stocks, REITs are a solid investment for stock market investors that want regular income. In comparison to the aforementioned types of real estate investment, REITs allow investors into non-residential investments such as malls, or office buildings, and are highly liquid, In other words, you won't need a realtor to help you cash out your investment.


With the exception of REITs, investing in real estate gives an investor one tool that is not available to stock market investors:  leverage. If you want to buy a stock, you have to pay the full value of the stock at the time you place the buy order. Even if you are buying on margin, the amount you can borrow is still much less than with real estate. Most "conventional" mortgages require 25% down, however, depending on where you live, there are many types of mortgages that require as little as 5%. This means that you can control the whole property and the equity it holds, by only paying a fraction of the total value. Of course, your mortgage will eventually pay the total value of the house at the time you purchased it, but you control it the minute the papers are signed.

Blackpool Gazette Luciano Ruocco 

This is what emboldens real estate flippers and landlords alike. They can take out a second mortgage on their homes and put down payments on two or three other properties. Whether they rent these out so that tenants pay the mortgage or they wait for an opportunity to sell for a profit, they control these assets, despite having only paid for a small part of the total value.

Friday, 26 February 2016

Blackpool Gazette Luciano Ruocco - Statistics tell a story as Italy and Scotland battle

Sergio Parisse has usually stood out, the Italian Atlas, carrying his nation's slim hopes on huge shoulders.

The omnipresent - Blackpool Luciano Ruocco

The omnipresent No 8 can be to the fore once more in Rome this afternoon however even before the players take to the sphere, he stands above the relaxation, simplest this isn't a record to be proud of irrespective of how a lot it additionally embarrasses Scotland.
No player on either facet has received extra Six international locations video games than the Italian captain. That the discern stands at nine from fifty two tries says the whole thing approximately wherein these two teams have found themselves over a lot of the past decade.

Scotland's most successful - a term used loosely - player is hooker Ross Ford, who has gained 8 of his forty seven Six countries video games. 5 of the starting Scots and five of their Italian counterparts have never experienced victory within the match.
Jonny grey may be a Lion in the making however he has lost all 8 of his Six nations outings. the two No 9s, Scotland captain Greig Laidlaw and Edoardo Gori, key men nowadays, tot up seven wins from a joint tally of 44 video games.

comparison -  Luciano Ruocco

In assessment, the 2 captains at Twickenham these days have again 29 wins in 48 video games for Rory excellent and 27 in 37 for Dylan Hartley.

This is the Six international locations 2d department, and each facets are desperate to win this annual wooden spoon decider. "we're each inside the same position," said Scotland prop Moray Low.

The desperation is topped up with out a little frustration as both agree with, with a few justification, they are improving.

Italy should have won in France on day one, Scotland can point to their world Cup marketing campaign, one horrific call from achieving the last four.

The harm to Carlo Canna is a remarkable blow to the home side's chances. His substitute Kelly Haimona is extra confined and Scotland have an side behind the scrum.

Scotland's last Six nations win came in Rome, through a final-minute drop purpose two years ago. Italy's closing in the Six international locations become at Murrayfield ultimate year, through a ultimate-minute penalty try.

"we're anticipating it coming down to 3 factors and more than one performs at the cease of the sport," said Scotland train Vern Cotter, who has shuffled his bench with that in thoughts - consequently the skilled Low's recall after a couple of years on the fringes. (© impartial information provider)

Italy - D Odiete; L Sarto, M Campagnaro, G Garcia, M Bellini; k Haimona, E Gori; A Lovotti, L Ghiraldini, L Cittadini; Ma Fuser, J Furno; F Minto, A Zanni, S Parisse. Reps: D Giazzon, M Zanusso, M Castrogiovanni, V Bernabo, A Van Schalkwyk, G Palazzani, E Padovani, A Pratichetti.

Scotland - S Hogg; T Seymour, M Bennett, D Taylor, T Visser; F Russell, G Laidlaw (capt); A Dickinson, R Ford, WP Nel, R grey, J gray, J Barclay, J Hardie, D Denton. Reps: S McInally, R Sutherland, M Low, T Swinson, R Wilson, S Hidalgo-Clyne, P Horne, S Lamont.