mod

“Colors, like features, follow the changes of the emotions.”, this is what Pablo Picasso said once. This was the story of a canvas and an artist’s impression, but similar is the case with a color poster. People, who care for adorning their house or office, keep looking for suitable accessories. Generally, posters are pieces of interest for people from all age groups.

Some like them to maintain the decorum of office, institutions like hospital and even for personal bedrooms. In addition, the posters are also used to define the organizational culture and motivate the employees. Interestingly, there are professionals who use a color poster as remainder or a tool to overcome their weak points. Guess how it is done? The person, who is less organized at work can place one attractive poster that signifies to be well organized.

Such posters may contain pictures and quotes that represent the subject strongly. This poster practice is becoming quite popular among students, young executives and even the corporates. Besides, we cannot forget that how posters are important to deck up the walls of your house. Do you remember, when you placed a poster over a bad patch on your living room wall? Well, people do utilize posters to bring out the glory of the wall and hide its blemish spots.

One can choose from a variety of topics and find a color poster that attracts his interest. The poster enticing one person may not be found suitable by another but remember, there are colored posters for everyone. A sensible way to go about this choice is to find a website, which have a decent collection of posters. The premier ones would offer you to even convert your digital pictures into posters. No doubt that it would be really overwhelming to have an enchanting poster with quotes of your choice over it.

Such activities adds to your creativity and become a cherished possession for you. The color poster you choose, would be more appealing if it matches with your wall and the surroundings. The posters come in different sizes, so that they can be placed at an adequate place. Remember that Internet is a good place to find a huge library of color posters. Dabbling through it might get your hands on many appealing and unique posters. It is altogether an effective way to spell your mood.

About The Author: Patrick Arden is a professional writer, presently providing content services to http://www.stickitonyourwall.com, which is a well known firm for buying posters & calendars online at lowest prices.

If you love living where you are now, then there is probably no need for you to move.

However, after reading this chapter, you may start to develop itchy feet. The grass sometimes IS greener on the other side.

What are the advantages of moving? Basically that depends on where you live now and on how you want to live. Moving to another country can reduce or eliminate income, corporate and capital gains taxes. Now I’ve got your attention. Here is the BUT If you live in the USA you are taxed by your government on your world-wide income regardless of where you live in the world. That’s rude. It may still be tax advantageous to move however. You won’t get taxed twice. If you move to a tax haven where there are no or minimal taxes you will still have to pay the IRS but you won’t have any paperwork to do in your new home. If you move to a non-tax haven with a double taxation treaty with the USA there are many options open to you usually for reducing your taxable income. Talk to an advisor who specializes in international taxation. I’m not an accountant. I’m not even American so the US taxation system is not something I am well versed in. However, I do know that significant tax savings are possible when properly structured.

If you are a citizen of a country with a residency based taxation system, and most are, then your tax saving opportunities are much easier. Just move. Once you reside outside these countries the tax departments no longer have any interest in taxing you. You only need to pay tax in the country you move to, if that country requires it.

Tax reasons are not the only reason to move overseas. It isn’t even the most important reason, saving tax is just a bonus.

The real reason, and only important reason to move is to increase your standard of living. What you need to ask yourself is this. What do you want? Does the place you live in now provide that for you? Do you want a more laid back lifestyle? Do you want to be exposed to less crime? Do you want a less expensive lifestyle, but with more luxury? Do you want a warmer or cooler climate? Do you want cheaper real estate and no capital gains taxes? etc. Only you know what you want. Below we will explore some of the best places in the world and why. Perhaps one of these places will suit what you are looking for.

We will also look at the issue of economic citizenship. Economic citizenship programs are made available by 2 countries presently. They are St.Kitts & Nevis and Dominica. These countries, in exchange for varying amounts of money, will give you instant legal citizenship including a passport. You are not required to live in any of these countries, but as a citizen you can if you want to. The main advantage of these programs is the gaining of the second passport. This is essential for world travel if your original passport is from a country that has developed many enemies. For example, if your aircraft or cruise ship is hijacked by terrorists you may survive if you have a St Kitts & Nevis or Dominican passport because nobody has an argument with these countries. If you are carrying a passport from the US, UK or Australia you are screwed. Also another example is this, if you travel to Arab countries and also Israel you will experience fewer problems with the custom officials in these countries if you use separate passports with separate visas for entry into each of these countries. Another important advantage of these passports is that they allow visa free travel to a huge number of countries making travel easier than it may be on your current passport. One of the most important advantages of a passport from these countries, however, is the investment opportunities that it opens up. Some investments are not open to the citizens of some countries. The 2nd passports discussed here can be used to identify yourself to banks and investment companies and so allow you to invest in these lucrative investments. These economic citizenship programs will be discussed further under the appropriate country listing.

Peruse the following country listings and see if any of these options fit your goals. My argument regarding residency is this. To live a luxury lifestyle you need to earn more and spend less whilst improving your standard of living. Moving to a tax haven, I believe, is essential. Reduce your tax and buy what you want cheaper. There are many fantastic places in the world you can move to and even save tax in, but many are expensive. Examples of these are Australia, New Zealand, Canada, USA, Bermuda, Ireland, the UK, Andorra, Campione and in fact most places in Europe are a nice place to live. You have to be quite wealthy to live the luxury lifestyle in these places. If you are quite wealthy check them out. If you are moderately well off then you can leverage what you have and acquire a luxury lifestyle by moving to the countries I have highlighted below. Almost all of these countries have first world products and services at reasonable prices.

Here we go.

1. Vanuatu

Vanuatu - is a group of islands north of New Caledonia, southeast of the Solomon Islands and west of the Fijian Islands in the South Pacific.

It is a beautiful, peaceful country and has been independent since 1980. If you would like to move there you are required to make a positive contribution to the economy. This means investing US$50,000 in an approved investment and also lodge an immigration bond to pay for your repatriation should you make a nuisance of yourself. You can opt to invest the US$50,000 in real estate, however, you cannot own land there. You instead purchase a 55 year lease that is renewable.

The people of Vanuatu speak Pidgin, English and French. The country is democratic and there is no income tax.

2. The Bahamas

The Bahamas - are a group of many islands south-east of the US and north-west of Cuba in the Caribbean.

This is a democratic, income and company tax free country renowned for its tropical beauty. It is also one of the few countries in the world where you can buy your own tropical island.

If you wish to reside here, permanent and temporary residency permits require the payment of approximately B$1,000 for the head of the family plus B$20 for each family member. Also required if you want permanent residency is an investment of B$250,000 in a registered group investment or B$500,000 in another investment. Temporary permits are valid for 1 year. Tourist visas allow you to stay for up to 8 months of the year.

The only worry I have with the Bahamas is global warming. The country is low lying and if the sea levels rise most of this country may become Atlantis. The official language of this country is English.

3. The Turks and Caicos Islands

The Turks & Caicos Islands - lie south east of the Bahamas.

This country is a dependency of the UK. There is no income or company tax, gift tax, inheritance, property or sales taxes.

Living and residency here is easy. It costs approximately US$2,000 for a permit to work or reside here. Don’t even think about looking for a job here, however.

The country is democratic and the official language is English.

4. The Dominican Republic

The Dominican Republic - ( not to be confused with the Commonwealth of Dominica) is one of the poorest countries in the Caribbean. It is located east of Haiti and west of Puerto Rico.

This country is democratic and the official language is Spanish.

All foreign earned income is tax free here and you can live like a king because everything is so cheap.

If you are American, European, Canadian, British or Australian and have an external income your residency is virtually guaranteed. After 2 years you can apply for citizenship.

5. St Kitts and Nevis

St Kitts & Nevis - is a small island group in the Caribbean north of Montserrat and west of Antigua & Barbuda.

It is independent, democratic and English speaking.

There is no income tax or tax for offshore companies.

St Kitts & Nevis has a very good economic citizenship program, but it is expensive. This is the Rolls Royce option. It will cost you US$250,000 minimum investment in real estate, US$35,000 government fee for the main applicant, US$15,000 government fee per dependent, US$2,500 due diligence fees per adult and US$15,000 in application fees. This will give you full citizenship and a passport within approximately 3 months. This passport gives visa free travel to many countries as it is a British Commonwealth passport.

6. The Commonwealth of Dominica

The Commonwealth of Dominica - ( not to be confused with the Dominican Republic) is an English speaking, democratic country. It has been independent since 1978. Dominica is located south of Guedeloupe and north of Martinique in the Caribbean.

There are no income taxes or company taxes. Dominica is also a nature lovers dream. Dominica has a very good economic citizenship program. It will cost you US$75,000 government fee for a single applicant or US$100,000 government fee for a family of up to 4 people. Due diligence fees range from US$15,000 plus US$700 per person. This will get you full citizenship and a British Commonwealth passport within 4 months.

7. The Cayman Islands

The Cayman Islands - consists of 3 islands in the Caribbean north west of Jamacia and south of Cuba.

There are no income, inheritence or capital gains taxes.

You can immigrate here if you have a spotless reputation and at least US$150,000. You must be financially independent and not have to depend on the local ecomony for an income.

8. Belize

Belize - is paradise on earth. Belize is democratic, peaceful and there are no taxes. It is English speaking. Belize is located in Central America bordered by Mexico and Guatemala.

Becoming a resident is relatively simple. If you stay for a year you are granted permanent residency. You just need to have your tourist visa renewed every 3 months for a year. You must deposit at least US$2,200 into a local bank. After 5 years as a permanent resident you are eligibile for citizenship.

You can easily live a luxury lifestyle in this country without a lot of money.

9. Costa Rica

Costa Rica - is located in Central America between Nicaragua and Panama. Costa Rica has has its problems over the years but things are improving and it remains a popular retirement destination for many people.

All income earned outside Costa Rica is tax free.

To gain residency you must be able to prove you have an income of more than US$1,000 per month. You just need to have this income exchanged into local currency at a local bank and present the receipts to the Tourisn Institute every 2 years to renew your permit.

This is another country where you can live like royalty with little money. Costa Rica is a Spanish speaking democracy. English is widely understood though.

10. Panama

Panama - is located in Central America between Costa Rica and Columbia. Panams is a well established international financial centre with very attractive residency possibilities.

Panama is a Spanish speaking country where English is well known.

Income earned from outside Panama is tax free. This democracy is a first world country and Panama city could be mistaken for Miami.

Panama has three residency options:

The Panama Investor Immigration Program requires an investment of at least US$100,000 in a new company or business or in any business in the country employing at least 3 Panamanian citizens. The investors must be directors & officers of the company. OR, you can invest US$40,000 in a reforestation project. After 5 years with this residency permit you can apply for Panamanian citizenship and passport.

The Pamana Retiree Residence Program requires you to invest enough money in a term deposit at the Banco Nacional de Panama to generate at least US$750 per month in interest for a minimum of 5 years. You can also receive a non-citizens passport that is good for travel. This program does not lead to citizenship.

The Panama Pensionado Residence Program requires you to prove that you receive a pension of US$500 per month minimum from any government or private source outside of Panama. This program does not lead to citizenship. It does however, entitle you to many discounts country wide.

Dr Gregory Lipke is the CEO of Cyber Publishing Ltd. He has a Doctorate of Business Administration & a Bachelor of Science as well as years of experience in Private Investigation, Personal Protection & Security. He is the author of Your Luxury Guide .

With 100% mortgages virtually non-existent due to the sub-prime loan crisis, those who can still qualify for a loan and can afford a down payment should take solace in the fact that buying long-term investment properties this way is more likely to make them cash flow.

When I analyze houses in my local market to determine if they will be a good investment, it is rare to come across a property that will provide positive cash flow without a down payment. In my market, this appears to be true even for discounted houses. However, I realize that other markets may be more investor friendly than mine is and I do own rental properties in other markets where cash flow is much easier to achieve.

But, for those of us in the more expensive markets…

If you can still get 100% financing from somewhere (like the owner carrying back), then you should consider whether you are able to handle the negative cash flow. I like to think of negative cash flow as a deferred down payment. Often, you can pick up properties with equity that would be nice for your long-term portfolio, but they just don’t cash flow unless you are willing to put something down.

If you can support a property like this, and are willing to make your “down payment” over time with the negative cash flow, then, by all means, consider these deals. But always be careful, because, while a little negative cash flow doesn’t seem too bad at first, when you factor in vacancies, repairs and market fluctuations, you can face some pretty lean times keeping your property fed. It’s critical to make sure that you have long-term holding power so that you don’t lose your properties.

If you do have the money to put down and are more comfortable staying out of the red most months of the year, then you should consider buying by putting money down. However, if you like to be more highly leveraged by getting in with nothing down, be prepared to pay the cost for this over time. Alternatively, you can buy houses with equity and turn them around quickly to increase your investment capital to put into long-term rental properties. Meanwhile - keep looking for those creative deals, because bank money is getting harder for all of us to acquire.

Remember, every market and every deal is different. Always do a full analysis of any investment property that you plan to buy and seek the advice of your local professionals.

James Orr is a professional real estate investor, marketing expert and founder of the LearnToBeRich.com on-line investment game.

He works with a network of real estate agents, brokers and real estate investors across the United States through the AnalyzedDeals.com website.

If you really want to be amazed, check out some of the prices you can find on Disney vacation packages today. So many great offers are out there that with a small amount of time invested you could have a whole vacation planned out and all the reservations made in no time flat.

You have probably heard about how some people find these packaged bargains at such enviable prices, but maybe you have not had so much luck through your own search efforts. There is a little secret to finding these deals at ultra discounted prices and it’s not difficult or requires any special expertise on your part other than knowing just two things, your goal and your budget. Then what you need to do is find a great website that specializes in just Disney vacation packages! That’s the secret, no big deal right? There are numerous web sites that offer package deals on destinations, airfare, tickets, and lodging. But finding the web site that not only offers these types of bargains but also offers package deals on Disney vacations is the biggest problem. You could spend hours searching the Internet locating prices that show discounts of just a few dollars and you may even come up empty handed, or you could get lucky and find one of these specialty websites that offers these great bargains on package deals and gives you the lowest price on what you are looking for. Unfortunately many people give up before finding a great site that offers not only fantastic prices but Disney vacation packages as well.

If you get lucky enough to stumble upon a site that offers some really great bargains on Disneyland vacations, another great tip is to try and stay within just a few miles of Disney World. This can be a real time saver. Within this area of Orlando you will also be within miles of Sea World Orlando, Universal Studios Florida, Disney World’s Magic Kingdom, Disney World’s Epcot Center, Disney World’s MGM Studios, and lots more. Every one of these parks is rated the highest in fun and enjoyment by thousands of vacationers. You should plan on visiting at least one of these parks to mix up your vacation. Close proximity to all these wonderful destinations is just another benefit of enjoying your vacation at Disneyland in Orlando.

Disney vacation packages can have many different aspects. Many include complimentary shuttle passes to area attractions and 24-hour concierge services. Some include bargain deals which also offer free Walt Disney World tickets to all of the Disney attractions. One such example is time share presentations for condos, homes, and villas. Of course you will be required to sit through a ninety minute time share presentation. It is doubtful that you will have any interest in buying a time share, but many a savvy vacation veteran will tell you that this is not a bad trade off for free Walt Disney World tickets! And when you attend the ninety minute presentation you will likely receive food and beverage, not to mention they will treat you like royalty while you are there.

So let’s get back to the prices for a moment. As you are looking through all of the offers, you will likely see that some bargain prices are almost too good to believe. Well, just remember the time share presentation example I just shared with you and remember that some strings may be attached. Not all vacation packages include the time share presentation trade off though. There are several brokers you can find through a website which specializes in the type of vacation you desire. When you come across one of these web sites you will realize that it is not so difficult to locate amazing deals on Disney vacation packages as you once thought it would be.

At Disney-Villas you can find great deals on vacation packages to Disney world and many other destinations. Individual discounts can be had on car rentals, airlines, lodging and more! Learn the secrets seasoned Disney vacationers know about getting discounted and even free tickets to all the attractions. Save money on the necessities and see more of Disney world and other attractions in Orlando.

Disney Villas is your Disney land adventure starting place; http://disney-villas.us/disney_vacation_packages.htm

Readers of my previoius articles might well think that the answer to this question will be a categorical NO, based on my “Designer Handbags — Can Men Buy Them” article. In it I described the experience I recently had in an LV store where the staff were not exacxtly falling over themselves to serve me, a mere male in a handbag store.

But my answer would have to be a carefully restrained — Maybe!

Now the direct, and indirect, knowledge that I use for the answer to this question is pulled purely from experiences and tales recounted by others involving Louis Vuitton stores. I cannot say for certain whether or not it applies to other designer labels — although I strongly suspect it will do!

Now at one time, store managers and assistants were held in the same revered light that doctors enjoyed. What they said or reported was seen as gospel, never to be questioned, let alone doubted.

But doctors are only human, bless ‘em. They, like us, make mistakes and errors in judgement. (With the hours some of them have to work I’m not in the least little bit surprised!)

In the olden days, when a doctor advised that little Johny was suffering nothing more than a slight fever and should be fed aspirin every fours hours until he perked up, no thought of questioning the diagnosis would occur to mom and dad — even though they could see little Johny’s leg was bent forwards 90 degrees at the knee and he kept fainting every time someone coughed near it!

It used to be like that in the stores as well.

“Good Morning Modom, may I help you?”

“Yes please, may I see the new Hyanuki Messenger Bag please?”

“Oh, I’m so sorry Modom, that bag hasn’t been released yet! Well, it certainly wasn’t before I went on my holiday, anyway.”

“Erm, isn’t it the one on the shelves over there? The stack of three of them with the sign on the front saying ‘Hyanuki Messnger Bag’?”

“No Modom, certainly not! It can’t be or else I would have been told about it!”

Now, staff in the LV stores are never allowed to give out written authenticity statements for any bags! Any at all.

If you like — test me on this!

Go into one of their stores and buy a bag there and then. As soon as you’ve been handed your receipt, try asking for a note from the sales assistant or manager, affirming the fact that this bag is an authentic item!

They’ll politely decline! (They’ll also probably look at you as though you’re totally bonkers, but don’t worry about that, there are plenty more stores to go and buy from!)

Not because they don’t doubt the authenticty — but because they aren’t allowed to by company rules.

I used to think that this was because they would never be sure that the letter or note of authenticity wouldn’t then be copied or used to give a fake bag an incorrect “value”, make it appear genuine and authentic.

Now, I’m sure that a large element of that reason still remains. However, I think it is also tempered by another reason, one which should concern anyone seeking an accurrate assesment of their bags.

I believe that they refuse to allow this valuation to be recorded in any form in case it is wrong. Because they expect it to be wrong on occassion.

Too tall an idea to be believeable?

Well, how about if I told you about a lady I know who had a hilarious experience in an LV store.

She was the lucky owner of a Gold Suhali bag. Now, these are rare, seriously rare. It’s the type of bag that only the celebs get to own because of A) Price and B) Exclusivity! I cannot remember where she had got hers from — but I do know it was without a doubt authentic!

She went into an LV store and proceeded to look around. She did notice what seemed to be a frosty reception from the sales assistants but assumed it was directed somewhere else. Imagine her surprise when she discovered it was aimed at her. Both of the sales assistants in the store thought she was a fugly lover — because they believed the Gold Suhali was a fake! Not only didn’t they know that one had been released, they didn’t even know they’d be made in the first place!

And before you leap from your seat in defence of the beleagured sales assistants with a shout of “Well, that ’s not strange if the bag is so rare!” let me temper this by saying that the bag was rare in the same way as the Mona Lisa is rare. Rare — but everyone knows about it!

With the increase in the number of bags in a range and the number of ranges as well, it will always be an ever expanding job for LV and other designer labels to ensure all their staff are up to speed on all the bags available and their particular differences.

However much training they receive - they’ll always be behind the times on one or two ranges or items at least. No amount of store training will be able to overcome the simple dynamics of time available for training v number of staff requiring training v people available to do training divided by time available across all the people required to be involved in the training.

Sadly, no one knows all the answers.

Now, if you’re lucky enough to find a store assistant with whom you can strike up a “rapport” then you should be able to trust their answers more than most. If they don’t know the real answer, it’s in their best interests to find out for you.

But should you trust an SA without question?

No, I don’t think so. You should temper their answer with information that you glean from other sources as well, such as forums, chat groups of like minded designer lovers and from press and magazine articles.

Balance these sources of answers together — and you’ll always have the best answer possible — and not a potential bad guess!

Rufus Steele is the author and creator of the Louis Vuitton Handbags website, a site dedicated to all things Louis Vuitton

Perhaps you have heard that Franchising accounts for one-third of every consumer dollar spent in the United States of America? It’s true and if the franchising industry ceased to exist you could kiss thirty-three percent or more away of our nation’s GDP.

Wow, stop and let that sink in for a minute and realize that currently there are only some 2,500 active franchising companies out there that account for that huge number. So, maybe this is why I and many other franchising folks cannot fathom the idea that Franchising is simply not a major part of any of the MBA curriculum at the top business schools.

Think about that for a second and ask yourself why? You know that 10% of our citizens own their own businesses and those small businesses employ 75% of our workforce. The strongest small businesses are franchises because the business models are under constant evolution by their franchisors. Such a dynamic and successful business format surely ought to be taught in our Nation’s finest business schools, but it’s not.

Personally, I am always amazed when I go to business schools and speak to students about their “business plan projects” where they take a fictitious company and design a business plan as part of their required class project. Never once, have I ever spoken to a student that has made a business plan for a company that was a franchised outlet or one that was going to be in the business of dominating their market place using the franchising format. Why?

Maybe this is a lesson for those who go and get their MBAs that they may not know all they think they do once they get that little piece of paper in their hot little hands. And indeed, they may wish to consider this someday when they are a CEO of a large company or a major executive when the company is looking to expand its brand through franchising?

“Lance Winslow” - Franchising Resource. If you have innovative thoughts and unique perspectives, come think with Lance; http://www.WorldThinkTank.net/.

When we’re approached by people whose job status is in transition either due to layoff, retirement or career change, the first question we’re often asked is “What do I do with my old company’s retirement plan?”

The answer we give to this question, and most other questions for that matter, is “That depends.” As we’ve said before, each person’s situation is different and we would be irresponsible if we gave a blanket answer to that question. In this article, we’re going to discuss some of the reason why you should seriously consider your retirement plan into a Rollover IRA.

401(k)’s and other retirement plans are one of the best tools for saving for retirement. Typically, by participating, your gross income is reduced by the amount you contribute in the plan. In addition, many plans offer a 50% or 100% match of your contribution, up to a state maximum. I don’t know about you but, as good as we are at money management, we can’t GUARANTEE that type of return.

Once you are no longer participating in your employer’s plan, however, there are five (5) distinct advantages to moving your money out and into an IRA:

1. Flexibility

a. An IRA can have many more investment options than a typical retirement plan. Where a 401(k) is often limited to company stock and a list of approved funds, an IRA can include individual stocks and bonds, a broader array of mutual fund choices and availability of other, alternative investments such as real estate.

b. No withdrawal restrictions. Some plans limit your ability to withdraw if you are under 591/2 years old. An IRA has no such restrictions, but you may have to pay penalties and taxes.

c. Better control of your money. You don’t have to deal with a plan administrator to get your money.

d. You can control your tax rate by taking larger distributions in years of lower income. Many plans force to you take a lump-sum distribution, incurring much higher taxes.

2. Stretching

a. Heirs can keep the money growing over THEIR life lifetimes. IRA rules allow beneficiaries to spread their inherited distribution over their life expectancies, spreading payments over much longer time frames, while the balance continues to grow tax deferred. Most qualified plans do not allow non-spouse beneficiaries this option, increasing the tax burden.

3. Roth Conversion Ability

a. If you qualify and you expect to be in a higher tax bracket in the future than you are today, you can elect to convert your IRA to a Roth IRA. By paying at taxes at your lower tax bracket of today, you convert your income in the future from taxable to tax-free, reducing your tax load. This conversion option is not currently available on qualified plans like a 401(k).

4. Consolidation

a. You can consolidate all your old retirement plans under a single umbrella. By doing this you only need to worry about tracking one account versus 3 or 4 accounts.

b. Reduced paperwork. When you take distributions, you only have to work with one account, not multiple ones.

c. You kill a lot less trees!!!

5. Professional Advice

a. IRA’s are handled by trained professionals, while company plans, like 401(k)s are typically handled by Human Resources Reps (no offense, particularly to my wife, who works in HR!!) who may or may not be well versed in the process.

b. No more “one-size-fits-all” plan management. You can hire an advisor who works specifically for YOU, not the company you work for. This allows you to develop a plan tailored to your unique circumstances.

c. You’ll improve your ability to create a long-term retirement and estate plan for you and your family.

Rob Jupille, President of RTJ Financial Management, has been assisting individuals and small businesses with their insurance and financial planning needs for the past 16 years. After working in senior management positions at Fortune 500 companies, Mr. Jupille formed RTJ Financial Management in 2000, focused on helping successful individuals achieve their financial dreams. Mr. Jupille graduated in 1989 from the University of California, Santa Barbara with a Bachelor’s Degree in Business/Economics.

Is it the right price for the property? Perhaps this is the question that keeps on creeping in people’s mind ever since they make up their mind to buy or sell a property. it is quite necessary to spot the right price for making a successful real estate transaction but it is some how difficult . Neither any rule of thumb nor a scientific technique is there to help!

Prices quoted by government agencies like district administration are not in consonance with the market dynamics and therefore does not represent the actual situation. Unfortunately, there is no such procedure for property evaluation in India that developers or real estate agents adopt to derive the current value of a property in the market.

So, how to get a good deal? People are advised to believe their own instinct but cautiously. There might be a case of paying through nose if somebody treats this as a trial and error game. Here are some important parameters that everyone should always bear in mind to reach the decent levels of property-valuation and deal.

Location of the property: Value depends on the profile of the location where the property is situated. Market value of an apartment or an independent house located at a residential area near the busy market place or office area is definitely more than the segregated ones. The same theory applies to the properties commercial locations.

Availability of basic amenities: Not to mention, green surroundings, civic amenities like safe drinking water, uninterrupted power supply and systematic drainage system are the first preferences of the buyer.

Infrastructure of the location: Good quality roads around and within the society add value to the property.

Safety and Security concerns: People avoid locations that are closer or are known as riot prone area or communally polarized. Sharp declines in the prices are witnessed in areas if incidents of robberies, riot burglary or theft are reported within short spans of time.

Connectivity aspect: Connectivity with bus depot, railway station and airport is equally important from buyer’s point of view. In fact, property in vicinity to these facilities makes sound investment proposition.

Quality Matters: As valuation of property is a process, all the above discussed factors go hand in hand with perception of quality.

About The Author: The author is a business writer specializing in finance and credit products and has written authoritative articles on the finance industry. He has done his masters in Business Administration and is currently assisting Paisawaisa as a finance specialist.

For more information related to finance community please visit: http://www.paisawaisa.com