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Finding the Best Investment Property Interest Rates

People nowadays are searching for added ways to build up their earnings so most of them are drawn into investing particularly in real estate as it is gaining reputation in the market. Many find this beneficial and can produce better proceeds than your regular investment. Then again, any type of business would always entail not only expertise in the field but also sufficient capital to fund your property investment. That is why there’s the presence of investment property lenders or banks to support you with your financing.

Loaning is your only answer if you don’t have cash to acquire and upgrade a property. But most people are still worried of borrowing from lenders or banks because of investment property interest rates. It is similar to regular loans where you can pick between variable or fixed interest rate. When you loan from a bank, there are ways to save cash by reducing the amount of interest that you will pay. Due to rise of lending companies, banks are giving special offers and discounted rates.

Interest rates will influence on how you are going to pay for your loan, so if you have lower interest rate, you will be paying for a smaller loan. So it is vital for you to find the best investment property interest rates.

* Compare – lending companies compete with each other and it is in the best interest of the investor to search for the company that offer the best rate.

* Property investing – some lenders extend lower interest rates for property investment as it is considered a low risk investing. This is a good thing for those who foster their wealth through real estate.

* Borrow more – some lenders offer discounts on interest rates for a person who borrows more. This may appear risky but as long as the investor knows what he’s doing, why not? It will produce great return if money are used wisely. Borrowing more can also mean an opportunity to remodel the property, if possible, for an growth in revenue.

* Loan calculation – this is very [helpful|useful especially|specially if the investor focuses more on real estate investing because it can give you the best loan [option that will suit your needs. While some people use home loan calculators to find better investment property interest rates, it is still advised to speak to a consultant who can complete the calculations that is precise to his or her goal and situation.

Generally, it is very important for you to find a loan with a reduced interest rate as this will affect how less you are going to pay for your loan and save you a lot of funds. Again, search for special offers and discounted rates on investment property, and then compare providers to make sure you are getting the one with the best investment property interest rates.

Investment Property Home Loans

Home loans are useful for buying any properties and are typically associated with helping us to afford the homes we intend to live in (hence the term ‘home’ loans). However there can also be good reasons to take out loans for properties other than your home, and investment property home loans mean that you can afford to start investing in property and making money from those investments without having to start off as a multimillionaire.

Investing in property as we all know is one of the most reliable investments anyone can make. This is or several reasons and we’ve all heard them quoted a hundred times: everyone needs land, the population is growing, its almost guaranteed to increase in value… etc etc You can further increase the success of these investment opportunities then by investing in properties in up-and-coming areas, or in places that are soon to have a lot of money spent on them for development. At the same time there are so many ways for you to make money from a property investment that it makes tonnes of sense as a way to tie up your money and watch it grow.

The problem is however that property is obviously very expensive and is a very considerable investment. This means that not everyone can afford to buy a property outright, and thus they believe they can’t join in on these lucrative investments.

However that need not be the case, and with investment property home loans it’s very possible to afford to buy properties that you might not otherwise be able to as you won’t need to pay for them in one lump sum. By spreading out the cost of your property with an investment property home lone, you can then make the investment much more manageable. Of course you will pay more for investment property home loans than you would buying the home outright as you will have to pay interest. However the idea of this purchase is that you’re making an investment which means hopefully you will make lots of interest yourself on the purchase. If all goes to plan then you will be able to earn significantly more than the interest on the loan making that negligible. This is even more the case if you somehow increase the value of the property rapidly. For example if you are fairly adept at DIY and maintenance, then it is a great money making scheme to buy up properties using a loan, to make them more presentable by painting and decorating, and then selling them on for a large profit. It’s possible this way to make thousands in a few weeks or months’ worth of work.

Another great thing about an investment property home loan is that you won’t be living in the property which frees it up for you to lease it out. For example then you can take out a loan and rent the property out, then use their rent to pay the loan back before selling it on for a massive profit margin.

Using Your Home To Invest

Many people dream of owning some investments one day. People look forward to owning something that will hopefully give them some money in the future. For a lot of people though, this dream never eventuates as lots of people think that they need to save lots of money before they can think about investing any money. Sadly, lots of people don’t know the tricks to budgeting and saving money so their dreams of investing remain on the “to do” list for many years.

Having a good control over your money is certainly the first stepping stone before you consider any investment. Saving sums of money will lever you into certain investments such as term deposits, managed fund, shares etc. However if you wished to invest in a property, it would be really difficult to save sufficient money to buy an investment property especially if you already owned your own home. So what can you do as an alternative?

Well if you already own a home you are likely to have some equity in it especially if you have had it a long time, paid a lot off your home loan or if property values have risen since you purchased it.

What Is Equity?

Equity is the difference between what your home is worth and what the balance of your home loan is. In other words it is how much of your house you actually own.

e.g. Jack has a property worth $380,000 and he has a home loan for $180,000. His equity is therefore $200,000.

Peter and Jan have a property worth $684,000. They have a two home loans totalling $249,000. Their equity is therefore $435,000.

How Does Equity Increase

There are a number of ways that the value of your equity can increase

1. Paying down your home loan

2. Paying out your home loan

3. Property values increasing

4. Improving your home so the property is worth more

How Do You Use Equity To Invest

Banks are generally willing to lend you money against the security of your house. They take a mortgage over your home which gives them the power to sell your home if you don’t repay your loans. They are often willing to lend about 80% of the value of a property. This means you might be able to take out a loan against your house and use that money to invest.

e.g. Jack’s property is worth $380,000. IF the banks were willing to lend him 80% of the value of his home, then they might consider lending him $304,000 ($380,000 x 80%). As he only owes the bank $180,000 on his home loan, he could have the potential to borrow some more money and to use this money to invest. He could potentially borrow up to $304,000 giving him access to $124,000.

Peter & Jan’s property is worth $684,000. IF the banks were willing to lend them 80% of the value of their home, then they might consider lending them $547,200 ($684,000 x 80%). As they only owe the bank $249,000 on their home loans, they could have the potential to borrow some more money and to use this money to invest. They could potentially borrow up to $547,200 giving them access to a further $298,200.

What Sort Of Investment?

Depending upon how much equity you have available, you could use your equity to invest in any sort of investment that suits you and your particular circumstances. You would need to speak with an accountant / financial adviser / real estate agent / share broker to discuss your different investment options. You would generally be looking for investments that have the potential to rise in value over time. These are called capital growth investments.

There are many tricks to investing wisely and you should always do plenty of research and consider all of your options and personal circumstances before making a decision where to invest.

Loan Repayments

Any loan you take out to buy investments is likely to have some sort of regular repayment plan. As an example you might have to make a loan repayment each month or you may have to meet an interest payment every quarter. You can explore your loan options with your loan broker / banker.

A lot of investments don’t give you sufficient income to meet the repayments on the investment loan (such as property) or if they do, the income may not come through regularly enough (your loan repayment might be due monthly, but an investment such as shares generally only pays dividends half yearly). Before you look at borrowing to invest, you need to ensure this new commitment sits well within your budget and that you can afford to carry additional loans.

Risks

There are risks with all forms of investing and these should be carefully considered before you make any commitments. A financial professional will be able to discuss these with you. Borrowing money doesn’t increase or decrease the risk of a particular investment. That investment would carry its own risks irrespective of whether you paid cash for the investment or borrowed money for the investment. The investment itself doesn’t change based upon where you sourced the money.

What additional risks you do carry if you borrow money to buy investments is that if the investment falls in value and if under a worse case scenario you lost all of your money, you would end up with a debt owing to the bank for something that you no longer own or was worth less than the loan.

You should therefore consider the strength of the investment and the likelihood of it going up in value over time. It might not be wise to chase speculative investments if borrowing money and remember any investment that looks too good to be true generally is.

Hopefully this article has given you some ideas how you can use your home equity to buy some investments. This article is intended as a guide only and naturally you need to speak with financial professionals who specialise in the fields of financing and investing so you can do the appropriate research before you decide whether or not borrowing to invest suits your individual circumstances. Happy researching and happy investing!

Italian High Fashion Jewelry

Images of love, passion and a libertine way of living come to mind when thinking of Italian high fashion jewelry. The universal love of jewelry reflects the emotions of life and love itself. Although many things change, the allure of Italian high fashion jewelry and our passions endures.

The connection between love and jewelry as an expression of this intense emotion dates back as far as the craft of jewelry making itself. Historically jewelry was used as a means of communication and many of the most famous creations were gifted between lovers. Jewelry has been used as the medium to convey sentiments of desire, love and affection in times when speaking words alone were not enough or when the words could not be said. Even today, the sensuous curves and the graceful designs of Italian high fashion jewelry in necklaces, rings, bracelets and earrings are often used to remember a passionate moment.

There was a time when jewelry exchanged between lovers did more than express their feelings; some of the beautiful pieces were created as amulets or talismans. During medieval times, jewelry was used to validate the identity or status of a person; ensuring safe passage for lovers en route to a rendezvous. Jewelry has been given as a symbol of desire: as a prelude to seduction beautiful jewels have often made the invitation to pleasure impossible to resist.

Italian high fashion jewelry or “couture” jewelry is crafted from the finest precious metals and gemstones; platinum, gold, diamonds, emeralds and rubies owes much of its elegance to these classical origins. More than one modern designer has been inspired by the jewelry worn by royalty at court.

But those of royal birth are not the only ones who have enjoyed the pleasure of wearing the most beautiful jewelry. When the subject is Italian high fashion jewelry, the name is Bulgari, founded by Soutirios a Greek man from a family of silversmiths who despite his humble beginnings has become Italy’s most famous name in jewelry.

From their first store in 1905 on Via Condotti to locations around the world, these artisans have created jewels that have been worn by world famous actresses such as the late Princess Grace and Audrey Hepburn, along with Elizabeth Taylor. At this year’s Oscar Award ceremony, a vintage Bulgari necklace adorned the neckline of a Vera Wang dress worn by Keira Knightly, who starred in the film “Pride and Prejudice.”

But more often than not, at the root of why we appreciate Italian high fashion jewelry is for love expressed in the craftsmanship and professional attention to detail. Beyond the fact that the jewelry production standards are the highest in the world, the connection between love of country and love of art combine beautifully to produce exquisite creations.

This tradition continues today with Italian high fashion jewelry being crafted by many designers to reflect a libertine sexual expression for men and women, such as the serpentine designs from DiMurano which displays the artistry of combining the Venetian centuries old technique of Murano blown glass with superfine 14 carat vermeil gold to create stunning and exotic look that is truly unique. Along with classic designs lovers of finely crafted jewelry will find bold, distinctive designs with an accent on sensuality. When the motive is to impress the person you love, the beauty of these exquisite pieces is sure to inspire a passionate embrace and loving kiss.

As a gift to treasure, it would be difficult to imagine one that can compare: Italian high fashion jewelry delights the eye and stimulates the senses, a subtle reminder of our passion for love and life.

How to Make Fashion Jewelry Rings

Gone are the days when fashion was a mass phenomenon. Today fashion is to individuals. We all carry our own unique fashion and style trends. These days’ people like to stand out not only in terms of their clothes, make up and hair-do but equal enthusiasm can be seen in jewelry fashion. While there is no limit to how creative one can go with jewelry fashion, this article will particularly talk about ways to design your very own fashion jewelry rings.

Mix and match:

You don’t really have to be a jewelry designer or a fine art student to create your fashion ring designs. You can simply use your creativity and taste as a fashion enthusiast to mix and match collection of rings already available in market.

Various gemstone rings in band like shanks could be worn together to create a band of colors. Some people also wear plain bands of different colored precious metals. Mix and match is also a popular practice with wedding ring sets and wedding trios. In addition to this the trend of couple rings is also based on mix and match.

Designs from scratch

If you are good at drawing and sketching you can lay down your own ring designs and take them to jewelry artisans to get it made for you. Although this option is only available with handmade jewelry as machine made jewelry could be customized only to a certain extend. Apart from this, you can also get loose fittings such as gemstones, beads, stretchy ring bands to create your fashion jewelry from scratch.  

Custom made jewelry

These days many jewelry retails give option of designing your own jewelry rings. You can do this online through jewelry retail websites. In this case they offer you various options of loose gemstones and design settings to play around with. You can go step by step starting from choosing gemstone attributes such as type, color, carat, quality and price. After this you can select from various settings and design patterns available. At the end you can also see how your design looks like and if you happen to dislike it you can start back from scratch.