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Things you need to know before buying a house

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Buying a house is a big step in the life of anyone. Especially if you are one of those people who had to work really hard for it, and not the ones whom their parents are rich to the extent that they can buy them a house. Moreover, buying a new thing, anything, can be a great investment opportunity. Here are the things that you need to know before buying a new house.

You Don’t Have to Buy a Home

Carmencitta MAgazine - things you should know before buying a home 2In many cultures, homeownership is a given, just like getting a college education, getting married, and having kids. In fact, property is one of the most reliable investments you can make. However, we noticed that, depending on where a person lives and his or her lifestyle/plans for the future, renting could be better. This is why, before you buy, look further into your situation and your plans for the future.

If You Do Buy a Home, Plan to Own It for Several Years

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Of course, when we do so, we always have that thought in the back of our minds: “I can sell it or put it for rent anytime I want” however, this is not as simple as it sounds, and the act of owning a home needs thinking long-term, rather than short-term.

Buy As Much Space As You Might Need

Carmencitta-MAgazine-things-you-should-know-before-buying-a-home4When people who did not get married yet, think about buying their new home, they think about buying a small one at first, and after they get married, they buy the bigger one that is appropriate for a family. However, this might not be a good idea, because you do not want to live in a small place, and after a while get surprised by your girlfriend pregnant with twins. In fact, you can think about investing your money on a place that will fit for a family, even if you are not married. However, be careful not to buy too much space.

How to invest in REITs

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A Real Estate Investment Trust, or for abbreviation, a REIT, consists if a company that owns or/and finances real estate that produces income. Modeled after mutual funds, REITs has the ability to provide investors of all types with a regular income stream, as well as diversification and long-term capital appreciation. Are you considering investing in REITs? Keep on reading as we guide you through the best steps to do that.

Determine if REITs are right for you

 

 Carmencitta Magazine - How to invest in REITs 2A REIT consists of a share of stock that exists in a real estate venture. Moreover, its role is to put the money of the investors in order to buy, sell, develop, and manage properties. In fact, the law orders that the trusts need to have more than 100 investors, which means that, by putting a small amount of money, you can be investing in a very expensive property. This means that if you want to invest in real estate without the risk or initial investment of more traditional forms of property investment, an REIT is your best option.

The different types of REITs

 

 REITs are classified in multiple ways, it depends on the assets or geographical areas that they invest in. this is why, before you purchase one, you need to know the investments that it is involved in and consider the coming performance of those markets. Moreover, the first type is invest in big real estate properties and distribute earned rent or profits to investors. The second one, mortgage invest in mortgages by loaning out money or by buying existing mortgages. These funds are more sensitive to interest rate changes. Last, invest in both mortgages and properties.

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Purchase shares of REITs

 

You can buy and sell REITs on public exchanges. However, you can also buy mutual funds as well as traded as part of Exchange Traded Funds (ETFs). All of these investment vehicles can be bought and traded by contacting your stockbroker or investment professional, or by using an online trading platform.

 

Starting a company? How to deal with banks

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Whenever you ask about banking and bankers, all you will hear about is some negative answers telling you not to deal with this bank nor to deal with that bank. In fact, nobody ever looks forward to dealing with banks, even though we all have to, at some point of our lives. In fact, if you get to know the right way to deal with a bank, you can totally be fine! Moreover, if you want to grow that little company of yours, you will need some money, especially if you are low on capital. Here are some tips that we have gathered for you on how to deal with banks.

Grow a relationship with a bank

Carmencitta-Magazine-Starting-a-new-company-2If you are planning to be in business, you will eventually need a relationship with a bank. Even if you are busy and focused on other things, but when times come and you will need a letter of credit, a credit, a bank draft, or any silly paper, you are going to wish that you grew a relationship with a banker that you can call. Moreover, choose a local bank to make it easier for you when preparing the paper works.

Think before you borrow money

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The main reason why you are borrowing money is so you can support your company while waiting for good customers to pay up. You will feel relieved when you think that in a month or two you will get the money back from a customer you are sure will pay. However, do not rush, this is a risky thing, and you need to think before you jump in.

All banks are not the same

Do not fall in the trap of thinking that larger banks are better that smaller ones. In fact, the government gives all of them the same rules as well as the same supervising. Choose the one that you think fits most with your needs.

 

Tips on How to invest

An investment is when you buy an asset or an item and having the hope that the thing bought will generate money and income or will have a greater value in the future. In another words, economically, an investment is when you purchase goods that will not be consumed the moment you buy them, but will used in the future in order to create wealth. Keep on reading so we can give you some tips and tricks on how to smartly invest today.

You have to Know Why you are investing

 There are too many reasons why investors today do what they do; they can be investing for capital protection, returns, risk diversification, capital appreciation, pure safety, or hedging.

Stay away from DIY Investing

In fact, you have to be alert when it comes to investing. The act requires you to be alert about the state of your investments and needs active participation from your side; a thing that not many people can achieve.

                                                                                                   

Not Actually Investing

Investing is when you buy something for a long-term revenue. Do not expect that you will get returns in the short term. This mistake most people do, and end up trading in the short term. This is when investment is lost, and it turns to trading and speculating.

Tips about stock

Do not take any tips from someone who is not in the place of giving you advice. However, make sure that you don’t invest without doing your own research.

 Ask the Right Questions

These questions are too important. Why should you invest in the stock? Is it the right thing to invest? Do you know enough about the company that you are investing in? These questions are forgotten when some people invest for the first time.

Sometimes, things look cheap, but they are not

Judge the true value of a stock by how much it will get you in return.

Top investment ideas

Investing Beginner

Are you an investing beginner? Do you want to learn how to start investing and how to make money?  For many beginners the thought of parting with your money is quite hard; and even scary at times.

First of all you need to know that you don’t need to invest in many investments to achieve success. Here you are some of the top investment ideas. So, you only have to pick one or two of them.

Real Estate

Real estate is serious business. Furthermore, if you are looking for well-protected investments, then you should invest in real estate. People are always in need of houses and buildings, such as luxury mansions, average duplexes, small flats, office buildings, and warehouses. They look to either buy or rent buildings and structures, and they sometimes need to consult real estate experts. This explains why the real estate industry abounds with business opportunities.

Gold

Unlike most of the other investment options, gold’s value is continually on the rise as the dollar keeps depreciating in value. In other words, investing your money in gold form of jewelry or in bars is a successful idea.

Stock Market

Investing your money in the stock market is a bit of excitement. Moreover, it is somehow risky. While earning money is so easy and fast, losing money is also fast. Just you need to know that you do not lose too much money if your stock picked well.

Forex

On of the top investment ideas, Though very risky especially for the less experienced, trading foreign exchange on the currency market can be an interesting activity as well as great source of investment income.

Mutual Funds

It is a simple way to invest. All what you have to do is to choose a particular type of fund. Then direct them to your fund manager and he will do the rest.

 

The Hong Kong and Shanghai Banking Corporation

In 1991, The Hong Kong and Shanghai Banking Corporation, based in London, established a new group holding company. They called this new foundation: HSBC Holdings plc. Today, this multinational banking and financial services company with total assets of US$ 2.67 trillion, is ranked number 4 in the “world’s largest banks by total assets”. This Bank’s first branch was made in 1865, in Hong Kong, Shanghai. This is where HSBC initials come from:  Hongkong and Shanghai Banking Corporation.

Locations

Hongkong and Shanghai Banking Corporation has about 6,000 offices divided into 71 countries. These countries are located in North America, Asia, Oceania, Africa, Europe, and South America. Furthermore, HSBC has over 60 million costumers which made it 2014’s world’s sixth largest public company.

Services

HSBC’s services are divided into 9 categories:

First, Consumer banking. HSBC gives its services by a bank to individual costumers rather than companies and groups.

Second, Corporate banking. A commercial bank that has to do with loans and deposits.

Third service, Investment banking. It helps people and governments raise their financial Capital.

In addition, Mortgage Loans services. They provide people with money to buy property by making some legal securities that allow them to put hands on one of your already owned properties.

Furthermore, the Private Banking services. Assistance given to people with a high net worth.

Next, we have the Wealth Management services. They help you and advise you on how to manage your wealth, taxes, and all the other legal papers.

Moreover, HSBC offers the Credit Cards services. HSBC gives you a card that allows you to pay for goods by promising that you will pay them back.

Finally, Finance and Insurance services. An economic service given by the finance industry which covers a big number of businesses that manage money.

Ill fame

Recently, HSBC has been known for being famous for the wrong reasons, such as, laundering money for Mexican cartels.

 

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