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A Brazil Property Investment Offers Excellent Returns

If you want to invest in property, but are nervous about the housing market in the United Kingdom, then a Brazil property investment could be the answer for you.

But why purchase a Brazil property investment? There are many reasons:

Beautiful Brazil

Brazil is the land of beauty with pristine beaches, steamy jungles, exciting cities and year round sunshine. It is a country where people love to party, love to dance, and love to enjoy themselves.

Tourism is booming as more people want to experience the vibrancy of Brazilian life. In north-east Brazil, between 2002 and 2005, there was a 150% rise in tourism. For 2008, 9,000,000 visitors are expected in north-east Brazil, placing it in the top 20 most popular tourism destinations in the world. Consequently, Brazil’s tourism success is creating a huge demand for accommodation, and property investors are acting early; purchasing bargain properties that will yield a good rental income.

Bountiful Brazil

Brazil is the tenth largest economy in the world and is one of the four largest developing economies in the world. Agricultural, mining, manufacturing, and service sectors are well developed, and their mineral wealth is vast. The leading manufacturing industries produce textiles, shoes, chemicals, steel, aircraft, motor vehicles and parts. Exports include soybeans, concentrated orange juice and beef. It is estimated Brazil will be the world’s fifth biggest economy by 2050.

Brazil’s new administration took office in 2003. Since then, the government has succeeded in creating an economy ideal for foreign investment through successful policies that has created a strong economy, reduced inflation and a strong export market. Brazil’s President Lula is a progressive leader and he understands the need of increased domestic investment for the country’s continued growth.

The currency in Brazil is the Real (the code is BRL and the symbol is R$.) Currency rates are favourable with the Real, which makes property investment an attractive option to foreign investors as they avoid losing money in their exchange transactions. In recent years the Real has stabilised and become more competitive with other international currencies, such as the US Dollar; in turn this has increased purchasing power for overseas investors in Brazil.

The cost of living remains very low, about 20 – 30% of prices in the UK; the cost of running a home and paying for a caretaker is about £50 per month.

Brazil’s Building Boom

The north-east coast of Bahia, as well as Rio and Sao Paulo are experiencing a wave of new development which should offer some excellent returns on investment. An improved infrastructure in Brazil has increased the building boom in Brazil, for example: a bridge is being constructed to connect north Maceio to the city of Recife. The bridge will greatly improve access to the north and property prices are predicted to rise in the area.

Brazil is now connected by direct flights to the UK and the rest of Europe, and this will significantly open up the market to both business and holiday travellers from the UK. In turn this leads to a greater demand for temporary accommodation for both groups.

The 2014 football World Cup, also known as the FIFA World Cup, will be held in Brazil. This will put the country on the international stage and highlight many of country’s major cities; boosting interest from both holiday makers and overseas property investors. Meanwhile people, who already have a commercial Brazil property investment by 2014, may see a huge demand for their rental/hotel accommodation due to the influx of football fans.

In conclusion, Brazil is an exciting country for many reasons: diverse scenery, fantastic lifestyle, and a reduced cost of living. Last but not least, a Brazil property investment offers excellent returns for investors.

Invest In Stocks And Harvest The Profit

Investing in stocks is one of the most profitable options available in the market. Once you buy company stocks you get attached with the company. Now the company growth and other related factors determine the price of the share you own. Intelligent investors therefore look for all major company shares that are available in the market. However, a new market research has revealed that small-scale company shares are also profitable and investors can reap the benefits from them as well.

Online trading system has made it easy for investors to buy and sell stocks through the professional brokers. Through investing, traders can make substantial money without participating or dealing with the company where they have invested the money. It is not always true that if a shareholder invests money in a particular company share – he is bound to get the return. If the company is not growing successfully or unable to expand its business then the share rate will also automatically get affected. That’s why share market is considered as a risky platform. In spite of that investors are making significant profits, what’s the secret?

Make the right choices before investing in the market. If you invest money in the right company, you would definitely make money. However, there is no hard and fast rule that if you choose a leading company share, you can reap the benefits. But, there is greater chance of making profits as compared to other small company shares. Since, the nature of the market is somewhat volatile – every investor should keep an eye on stock quotes. Many investors do not really know how to read charts and quotes – therefore, it is advisable to learn how to read the data and keep you aware of the market share prices. Then only you can buy and sell stocks on time.

There are several other factors that determine your success in trading stocks. For example, if you are a new investor, you need to know the marketing strategy and the investment plan plus which trading option you really need to choose in order to gain maximum return. Once you plan your investment portfolio, you have to choose one of the best online industries including the services you are looking for. Your online broker plays a crucial role in making dividends from your investment. In addition, your decision-making skills count a lot.

If you want to start investing in the stock market, what you actually need is an online account. You can open an account on a stock trading company Website. And once your account gets live – you can trade online from any corner of the world. Since, trading is an online process, if an investor wants to trade from home, he can do that. The only requirement is a Personal Computer and an Internet connection. Many people ask whether computer knowledge is needed for trading. The answer is absolutely no – the online Website has been designed in such a way that anyone can operate the thing easily. The site is user-friendly and once you go through the Website, you can easily learn how to operate.

In the present time, many potential investors are making money through trading. The main reason for their success is that they are experienced and know the basic marketing strategy. They show their patience and always buy and sell stocks on time. So, if you also follow the same strategy, you are bound to reap the benefits from your investment. There are many people who would discourage you, but you have to focus and invest intelligently. Once you understand the changing market moods, you can expand your investment portfolio. But don’t make haste, move step by step and earn profits. Invest now and enjoy the dividends in future. Give a secured future to your family and kids from your present investment plan.

What Is Title Insurance And Why Do I Need It Anyway?

If you are interested in joining the ranks of successful women in real estate, it is important that you come to a complete understanding of the fundamental elements associated with real estate investing. Yes, few people find the intricacies of title insurance exciting and many feel it’s down right boring. However, if professional women have learned anything over the course of the past few decades, it is that knowledge is power. In this regard, one of the most important elements of the real estate investment process is to understand how title insurance works.

So, read on and learn.

Title insurance is exactly as it sounds. It insures you in case that at some later date, a recorded or unrecorded document surfaces that can affect the title of the property you purchased. Putting it simply, a title insurance policy insures the ownership of the property, and protects you as the owner.

Before providing a title insurance policy, the title company examines, summarizes and classifies every document affecting the property and its previous owners. Highly skilled title searches assemble this material and forward the results to a title officer. The title officer or examiner then writes an opinion on the title. The opinion will initially take the form of a preliminary title report and ultimately become a policy of title insurance.

Although title insurance is designed to protect a purchaser of real estate against title defects that are discovered after that individual takes title to a piece of property, the real work of a title insurance company is actually undertaken in advance of the closing on the sale itself. After a real estate sales contract is executed between a seller and purchaser, a preliminary title search is performed and then a policy of title insurance is obtained.

This means that the title insurance officer physically evaluates the deed to the property, and then reviews all of the liens and encumbrances that have been filed against that deed over time. This effort by the title insurance company is designed to ascertain that any liens or other encumbrances that may have been placed against the property in the past have been released.

Any liens or encumbrances remaining on the deed or title to the real estate subject to sale will prevent the buyer to obtain “clear” title because every questionable item recorded on title is classified as a defect or “cloud” on title. One of the essential clauses in real estate sales contracts requires the buyer to deliver “clear” title of the property to the purchaser by a certain date. Therefore, the title insurance company will take all necessary steps to clear up any “clouds” on title within the time frame mandated by the contract for the sale of the property.

As mentioned, if for some reason there is a defect on title – a lien or encumbrance not discovered before the new deed is recorded – the title insurance company is responsible for any loss sustained by the real estate purchaser because of that title defect. In most instances, the loss sustained amounts to legal fees and court costs associated with taking action to clear the defect.

If the purchaser or real estate investor does not have adequate title insurance, she is the one who sustains the loss. This is why it is vital to forgo standard title insurance and invest in extended coverage policies with every one of your transactions.

Top SEVEN ways your property can be put at risk:

Your property can be put at risk in a variety of ways. If your property does not have clear title, any questionable recorded or unrecorded documents may have been executed many years before, yet surfaced much later. In this case, know that you are protected by title insurance. Below are seven common items that can put your property risk.

1. Forged deeds, mortgages, satisfactions or releases

2. Deed by person who is insane or mentally incompetent

3. Deed by a minor

4. Deed from a corporation, unauthorized under corporate bylaw

5. Deed by partnership, unauthorized under partnership agreement

6. Deed given under fraud or duress

7. Deed executed under falsified power of attorney

Top SEVEN things to look for:

If any of the following items appear on the preliminary title report, you must take immediate action. The first step is to contact your title company. Failure to investigate any of the following may cause a significant delay in closing of escrow and/or decrease your profit.

1. Tax Liens

2. Mechanics Liens

3. Notice of Action/Judgments (including back child support)

4. Bankruptcies

5. Uninsured Deeds

6. Legal Access to and from the subject property

7. Typos in the legal description and/or parties’ names

Two Separate Policies

Nearly every sale of a residential property involves the purchase of two separate policies of title insurance. One policy names the buyer as the interested party and the second names the lender as the insured party. It is customary for the seller to provide and pay for a title insurance policy on behalf of the buyer. This is done so that the buyer can be assured that the property does indeed belong to the seller and that there are no unexpected liens or encumbrances against it. If the buyer borrows money to purchase the house, it is normally a requirement of the loan that the buyer purchase title insurance on the lender’s behalf for the amount of the loan and sometimes for the amount of the entire sales price.

One-time Investment

The purchase of a tile insurance policy is single purchase transaction. You pay one premium, and the policy stays in force until you sell or refinance your property. There are no recurring fees. Premiums for the title insurance policy are usually based on the amount of risk assumed by the insurer. The liability is based on the sales price of the property, or, in the event of a lenders policy, on the amount of the loan.

In conclusion

It would be to your benefit as a woman investing in real estate, to have a working relationship with a helpful and motivated title representative whose sole purpose is to sell title policies on behalf of his or her employing title insurance company. Find out what he or she is willing to do in order to earn your business.

- Will the company allow you access to their public record database?

- Can you request and receive copies of recorded documents?

- Will the company create property profiles for your hot deals?

- Can the company set up a farm (territory) to help you generate leads?

Ask ahead of time. A good working relationship with a title insurance company enables you to conduct business efficiently. In simple terms, everyone investing in real estate must know the specifics and the complexities of title insurance and the benefits of building a solid relationship with a good title representative.