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August 31, 2015

How to Finance a Real Estate Investment?

Real estate businessReal estate investing can provide benefits of monthly cash flow, equity growth, appreciation. Many investors believe that you have to have sufficient money to invest in a property. However it’s always not the case. In some situations, the investor avoiding any further complications and abundant money goes for full cash payment for the property. A clever group would choose conventional mortgage where 20% down payment is required which may extend to 25-30% according to the property dealers in Delhi. The rest is paid through house loans where a minimum interest rate is charged. The mortgage loans can be from banks, from brokers or from credit unions. Though in most of the cases the real estate brokers in Delhi acquire the money from some other governmental institution or any other source but the bank or the credit unions can provide the entire sum from their own pocket and hence are called portfolio lenders. Their loans are more flexible to the investor. Another option for financing in a real estate investment is through hard money i.e. money obtained from any private institution or individuals. This money can be obtained without any income verification and credit history checking but it costs a higher interest on loans and high fees for obtaining the loan. The hard money can be obtained within days and thus if there is immediate requirement of cash inflow, hard lenders are the only option available to the investors.

A few property dealers in Delhi are Anushree Realtors, Absolute Solutions, North India Realty and Atul Mishra and associates. A limited number of specifically designed shops lying next to the bustling Noida metro station are provided by the real estate brokers in Delhi. These air conditioned shops of different sizes are collaborated to form a mall in future where all types of goods would be available. This mall would have certain advantages such as Radisson hotel, Golf course and Kalindi Kunj Bridge in the near vicinity.

The Narang Property dealers in Delhi provide access to certain properties for the customers. A property located in Vikaspuri has 3 bedroom apartment costing about 1 crore. There are 3 bathrooms and 2 balconies with Rs 8,900 per square feet. Another property shown by the real estate brokers in Delhi is the 2BHK flat in Vikaspuri costing 65 lakhs with 2 bathrooms but no balcony.

The real estate brokers in Delhi provide access to buyers in the Gulshan Bellina in sector 16 of greater Noida. 2BHK apartments with 1100square feet of total carpet area available at a price of 35 lakhs whereas 3BHK flats with carpet area extending from 1300 to 1750 square feet at a price of 42 to 52 lakhs. The general amenities available are jogging park, basketball court, kids play area, Aerobic centre; massage room, unisex parlour (AC), and wheel chairs for sick or disabled member of the co-operative. The best facility is its 24*7 security customer care centre team guarding the house.

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August 27, 2015

How to Choose a Currency for Your Offshore Bank Account

Financial sectorsIn a sharp contrast with your domestic bank accounts, your offshore banking service will provide you with the option of choosing currencies to be held in your accounts. It’s really a valuable feature for all your offshore accounts as it provides you with the option of maintaining funds in a different currency than your domestic one. It’s of great help when the domestic currency is likely to get depreciated. It’s important for you to identify the factors that drive exchange rates. You must also understand the effects of maintaining your account with various currencies. Your deposits may yield considerable interest when you pick certain currencies for holding currencies. It might even contribute towards foreign tax liability. Depending on exchange rates and fee structure, you might need to bear the expense of exchanging currencies for making withdrawals and deposits.

Depositing with your Offshore Bank

International wire transfers are very effective in funding offshore bank accounts. Systems that make it easier for you to perform free electronic fund transfers through domestic banks prevent international money transfers. Sending or receiving funds compel you to pay your banks for international wire transfers. In comparison, it seems much simpler to opt for a wire transfer. Banks charge different amounts for wire transfers; that’s why it’s important for you to check out various deals. You have only a few good alternatives. Jurisdictions in foreign countries don’t allow you to accept domestic checks. It’s not a practical idea to carry funds on your own.

Withdrawing from your Offshore Account

In order to turn their services more convenient to users, a number of options to withdraw funds have been introduced by offshore banks. You may be allowed to access funds worldwide by any offshore banking concern that provides you with an ATM or debit card. You might need to bear a certain amount as fees for using international ATMs. That’s why it is essential for you to check out fees before opting for this method. These fees may even be minimized when you withdraw bigger amounts of cash for a single time.

Checking accounts are even allowed by a few offshore banks. A good number of customers don’t prefer this method as it demands a high degree of confidentiality. When you draw checks on foreign accounts, you may experience certain problems regarding their acceptance at foreign outlets.

You may consider using two accounts simultaneously – one could be your domestic account and the other one could be the offshore one. Offshore banking funds worth higher amounts can thus be transferred to your domestic account, so that you may access them easily. By following this method, you may actually ensure more security and privacy besides availing the convenience of services offered by local banks.

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August 13, 2015

Currency Trading Techniques for Beginners

All details about forexCurrency trading on the foreign exchange market (Forex), also known as speculative forex trading, is carried out with the intention of making money. The currency exchange rate is the rate at which a certain currency is able to be exchanged for another. It is always quoted in pairs, for example the USD/EU rate (US Dollar and Euro). Because exchange rates can fluctuate and change based on a variety of reasons for example economic factors such as industrial production, geopolitical events and inflation, there are always factors influencing whether or not a currency pair is bought or sold. If you are new to currency trading, we have complied a list of tips that you may find helpful.

Know the Language

When it comes to currency trading, technical language can often be used by traders and this can be a little bit intimidating if you’re just beginning to trade. If you see a word that you’re not sure of, it’s a good idea to refer to the commonly used Forex terms which will help you become more familiar with the language.

Technical Analysis

In order to develop a strategy, a wide variety of tools and techniques are used by traders. Some traders will perform technical analysis by studying the market using currency charts, which is a good strategy that assumes past movements in the market will help to predict market activity in the future. Technical analysis is a very popular technique due to how effective it is.

Fundamental Analysis

Other traders will use fundamental analysis in order to develop a trading strategy. These traders closely follow the effect of political, economic and social effects on the prices of currency. One way to do this effectively would be to read specialized Forex news in order to keep up to date on how events have an effect on currency exchange rates.

Practice

As you become more familiar with the market, you will gain more practice and experience which in turn will make you a better trader. You may also like to experiment with a variety of tools to see which ones work best for you, for example the portfolio management tool from IMS Broadridge which assists with all aspects of managing your portfolio from order management to risk management.

Know the Risks

There is a considerable level of risk involved with trading foreign exchange on margin, and many people often decide that this amount of risk is unsuitable for them personally. Before you decide to trade foreign exchange it is important that you take time to carefully consider all of your investment objectives, appetite for risk, and level of experience. Remember that there is always a possibility that you lose some or all of the money you initially invest, so you should never invest money that you cannot afford to lose. If you have any doubts or worries, you may find it helpful to consult a financial advisor.

How did you start out trading foreign exchange? Do you have any more tips or advice for those just starting out? We’d love to hear from you in the comments.

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