Friday, November 30, 2012

Timeshare Foreclosure is Not the Best Option

The combination of an iffy economy, declining property values, and high-pressure sales techniques on the part of timeshare sellers has resulted in large numbers of people wishing they could dispose of their timeshares.

Most timeshare buyers are reassured, in the purchase discussion, that their timeshares will hold their value and will be easy to sell should their circumstances change. But that's not likely, as many timeshare owners find to their dismay.

Many people think timeshare owners can simply turn the timeshare back or walk away from the contract without repercussions. Wrong! A timeshare is treated the same in terms of law as regular real estate. A timeshare is foreclosed in the same way as a home mortgage. The only difference is that a is also a consequence if your timeshare property is fully paid off and you are obligated only for the maintenance fees.

What happens if you're unable to keep up payments on your timeshare? That varies depending upon the terms of your particular contract and whether yours is a deeded timeshare or a right-to-use agreement. But the general pattern is that your timeshare resort's collection company will begin calling when your first payment is missed, late fees will be imposed, and within a few months, the Internal Revenue Service may be notified of your payment status.

Timeshare companies aren't keen to foreclose, so some time will elapse before proceedings will begin in most cases. During this time, some resorts will be amenable to negotiate a satisfactory arrangement, such as lowering the payments or amount due on the principal, reducing maintenance fees or making them due every two years, or adding perks to your timeshare package. Some may offer you the chance to sign over a Deed in Lieu of Foreclosure. But don't count on it. This is a time when it's a good idea to seek the services of a qualified

If your timeshare company proceeds to foreclosure, you aren't going to emerge unscathed. You'll receive notice that your timeshare will be sold at a public auction or trustee's sale. This is a legal proceeding, a matter of public record, which will be reported both to the IRS and credit bureaus. There goes your credit for the next seven years: you'll find it difficult, if not impossible, to finance a car, get a loan or buy a home. And that's not the worst of it: a trustee's sale or auction rarely raises the amount that's owed, including late fees, by the time a timeshare property is foreclosed on. Your timeshare company can still take legal action against you, suing for the balance owed.

All of this is a matter to think carefully about before you commit to a timeshare. If you have one, and find yourself in the crunch because of an unanticipated change in your circumstances, a marriage dissolution, job layoff or major medical expenses, for instance, you'd be well advised to seek legal counsel and review your options before you miss your first payment.

If you would like information on how to avoid without hiring an expensive timeshare lawyer visit and request a free consultation.

For every timeshare owner who finds owning a piece of a resort or holiday chain a great deal, there's at least one who's having second thoughts. One of the techniques in the arsenal of the sales staff of many timeshare resorts is the staged sale.

Sunday, November 25, 2012

How to Download a Etoro Demo?

Forex trading is one of the most popular ways of making money all over the world. Forex trading means trading some of the most important currencies of the world with each other. It is very important to have a proper understanding and learning regarding the market before you jump into it.

If you do not know how to trade properly then you might end up losing lots of money. There are certain trading platform that can help you trade in the right manner in the real market. EToro demo is a platform which can help people learn forex trading even when they are trading in the market.

Previously people would think that the platform used in the trading is quite difficult but it is not actually so. The platform offers easy to learn trading. The platform uses proper animations which can help the beginner traders to see how the forex market works.

With the platform offered by eToro a trader can how to trade in the market without paying a lot of money to the trading software and the courses. Other than this, there are lots of other features that the platform offers. The eToro demo offers the fx course. This course is popular because it offers an extensive education on the market.

This kind of education might take up hundreds of dollars in some other platform. Other than this, the eToro demo also offers an educational forum where the beginners can have a discussion with the experts in the field. This helps the beginners gain more knowledge about the market.

There are other benefits of the eToro webtrader as well. EToro provides a practice account for the beginners which can be easily downloaded. The practice account helps the beginners practice trading in the real market. The platform also offers video tutorials for the learners.

This is one of the lowest initial investments that a beginner can make in the forex market. This way you do not need to spend lots of money to start trading in the market. The platform offers a support for the trader for 24/7.

So even if you face any problem you do not need to solve it on your own without help from the platform. They platform also offers the facility of live chat. You can talk with the experts before you start dealing in the market. The platform offers a spread of 2 pips which is quite less than the others.

But before choosing the eToro platform it is important to compare forex trading platform available these days. A good comparison can help you choose the right platform. The two other popular platform present these days are fxcm and ava fx. Ava fx is basically a software program that is meant for both expert and new traders.

Fxcm has been working since 1999 and has a good experience with trading. This system provides different kinds of platforms to manage the investments of the forex market. EToro can be downloaded from their official website.

Friday, November 23, 2012

Why Trade Leveraged And Inverse Etfs

What are Exchange Traded Funds?

Exchange Trade Funds (ETFs) are cousins of mutual funds. They correspond to baskets of stock that are bought and sold like stocks. Generally, there is a one day delay after a sell order is placed on a mutual fund; ETF sell orders are executed immediately during hours. During a market crash this difference could be significant. There are other advantages. Except for brokerage fees for trading ETFs, there are none of the maintenance fees associated with mutual funds. Also, there are no loads [penalties] associated with opening a mutual fund account.

What is a Leveraged ETF?

Over the past few years, a new class of ETFs has emerged - leveraged ETFs. To help you to understand leverage, let's use an example: Let's say we have two equities, ABC and XYZ. For every change in the price of ABC, the price of XYZ changes double the percent move in the price of ABC. If ABC were to change 5% then XYZ would change 10%. Notice this does not imply if ABC were to change by one dollar that XYZ would change by two dollars. It's the percent change that matters, not the dollar amount.

In the past, it was common for investors to employ margin in their NON IRA accounts. You are not permitted to use margin in an IRA account. Margin let's you borrow money from your broker at a percentage rate. Once the margin account is opened and operational, you can borrow up to 50% of the purchase price of a stock.

Here's an example. Let's say you want to buy ,000 worth of Company A stock, 50% of it on margin. That means you need to have at least ,000 cash in your account, allowing you to borrow the other ,000. Just like a bank, your broker will charge you interest on the loan. Rates vary between firms and can depend on the balance in your account as well as the current interest-rate environment.

In the past you had to use margin in order to obtain leverage in your NON IRA account. Leveraged ETFs are structured so that no fee is involved. Generally, when you find a leveraged ETF its underlying ETF is a broad-based index.

For example, SPX is an ETF that represents the S&P 500. SSO also represents the S&P 500. However, it is leveraged 2:1 compared to SPX. That means that if SPX goes up 2%, then SSO goes up 4%. You get the leverage you are after without borrowing from your broker. Additional fees are not incurred. Furthermore, buying these leveraged ETFs is allowed in an IRA account.

This chart compares the ear-to-date performance of SPX versus SSO. SPX has a gain of 3.77% while SSO has gained 8.13%.

Another example of a leveraged ETF is UWM. UWM moves twice the percentage move of IWM. By the way, IWM is the Russell 2000. The Russell 2000 is made up of two-thousand stocks and represents a broad portion of the stock market.

Want more leverage on IWM? Buy TNA and get three times the move of IWM.

What is an Inverse ETF?

Another new class of ETFs has emerged, called inverse ETFs. An example of an inverse ETF is TWM. TWM represents the Russell 2000 but it moves inverse to IWM. For example, if IWM goes DOWN 2%, then TWM goes UP 4%. Now you can play a down market even in your IRA

This 3 year chart displays the leveraged UWM with its inverse TWM. When one goes up the other goes down.

Want more inverse leverage? Use TZA. TZA is an inverse ETF that represents IWM, (Russell 2000). If IWM goes down 3%, TZA goes UP 9%. During the market collapse in 2008, those who held TZA made a fortune.

Why Use Leveraged and Inverse ETFs?

You might think trading leveraged ETFs is dangerous. However, as I mentioned above, they correspond to broad-based indexes. In comparison to trading stocks, these are much better behaved. Even stalwart stocks like GE have lost fortunes for their investors over the past few years. There are dozens of stocks that we all know which behaved similarly. Buying stocks means that you have to be a good stock picker.

How many of us are good stock picker's? I know I'm not. Usually investors pick stocks because of company news. Unfortunately, by the time you learn the news, half the world already knows about it. Of course, you can make a good profit by choosing a winner. Instead, many prefer leveraged ETFs, both for their safety and profit potential.

The government discourages investors from shorting the market. In a down market, those with retirement accounts had only two choices: either staying cash and be protected or hold your investment and watch its value diminish.

Inverse ETFs solve this problem. In a falling market you can close your long positions and buy inverse ETFs like UWM.


The most important reason for trading in bear markets has to do with compounding. To keep things simple, let's assume the market is bullish half the time and bearish half the time. In addition, assume we gain 5% in consecutive periods. The net profit if you had only traded in the bull market would be 5%. However, if you had traded in both periods your net profit would not be 10%. It would be 10.25% because of compounding. Over time, the small difference would become significant.

How to Trade Leveraged and Inverse ETFs

I use three guide posts to trade these ETFs: a good market timer, an entry condition to ensure the ETF is moving in the same direction as the market and sound money management. Collectively, these three principals have eliminated draw-downs associated with leveraged ETFs. As a result, I've been able to sleep well at night while generating good profits during the day.

You can tell by these charts that leveraged ETFs are significantly more volatile than their underlying broad-based indexes. You will not succeed if you try to apply your trading strategy to them. Instead, keep applying it to the index. Simply trade the leveraged instead of the index.

Wednesday, November 21, 2012

What is the Meaning of Job Involvement?

Being involved in a job is more than your regular 9 to 5 job sitting at your desk everyday and then getting your salary at the end of the week (or month). Involvement can be surely replaced by dedication' here. Job involvement is more than working and requires sincerity and dedication for your job.

Involvement Re-Defined!

How do you define success? This question may seem out of context here but it is NOT! How involved you're with your job depends on how you answer this question. If you had a vague answer like money = success', then you need to be more clear and specific in your definition of a job.

Those who measure success by money are often those who do not rise to levels that wouldn't have otherwise been a barrier for them. All the successful people that we see around are role models and they have left behind a hint' for us to grab and follow. So how do they define job involvement?

Dedication: People who are successful today define their success on the level of satisfaction. True enough, you might be earning in thousands of dollars, but if you're not satisfied with your job you won't be able to rise. Total dedication to your work is required and that equals job involvement. It is about how serious about your work and getting it done.

Sincerity: Many of us would confuse dedication and sincerity and tag them as the same. But this is not so your dedication stems from the sincerity you show at work. You might have a dream job, but the sincerity with which you're doing it defines your job involvement more than dedication itself. Dedication' is therefore an offshoot of sincerity.

Working Smart' but not Hard': The call of the day is well defined in the 5 words that make up the bulleted point! Hard work can take you places but smart working can take you places faster than you'd thought! Two men cutting are might be working; one of them puts in more effort and time in cutting trees but at the end of the day, his output is less than the other person? Why? One common and obvious answer would be that the man getting done more in a shorter time has a sharper axe! So you see what is meant by working smart?

Money Comes Last: Money is no doubt a motivational factor but money is not everything. For most of the successful' people, job involvement defines the satisfaction they get from work and vice-versa. When starting a job, money keeps you going but once you're too involved with the job, it takes a back seat and your involvement' becomes the priority. No wonder, specialists are held in so high regard! Finding a job is easy but finding an involving job is even more difficult. Even if you do not find a job that interests you; if you're involved in it, you'll get through. Work involvement requires little inspiration and lot of perspiration!

Sunday, November 18, 2012

Gordon Brown, A Man In Need Of Leadership Coaching

As Chancellor it was recognised that Brown was a details man but as TIME Magazine from April 2008 commented being a details man was not a bad attribute in a Finance Minister adding however the crucial rider that this is a weakness in a national leader whose job it is to discern and articulate the bigger picture

In newspapers, magazines and on the television we are bombarded on a daily basis with evidence of Mr. Brown getting caught up in day-to-day political decision-making and micro-management.

Increasingly the concept of Ministers actually being in charge of anything is being eroded as Mr Brown finds that no issue is too trivial, no crisis too small for him not to need to take charge of.

The problem is one that all executives have to deal with: without an empowered team behind the leader no company can forge ahead. If the MD is unable to delegate then he/she will never be able to find the time to focus on building the business

In the latest Leadership crisis it appears that Brown's cabinet were just won over by promises of a change in Leadership style and on 11th Jan the Prime Minister told MPs in a private meeting in the Commons:
'we are not a team of one, I am one of a team, we are all in this together.

Do we think he will change?
Not until his Values change, and that will never happen without outside intervention.

He needs to get a great coach

So how can MDs and CEOs become better Leaders?

Here are 5 pointers

1. Encourage excellence: You want your people to get better than you. That way you can sit back

2. Actively delegate: stop doing things because you know how to. People only learn from experience: this applies as much to you as to your team. If you consistently fill your time doing what you can, you will never get experience at doing anything else. If your team are never faced with new challenges they can't develop

3. Don't grab the limelight: when someone has had a success let them get the kudos. Put them in front of the cameras, let them have their triumph

4. Allow mistakes: we all fall off our bikes when we were learn to ride. Without falling we can't learn. Resist the temptation to interfere if they are not doing something in the way you would. Watch for the result and you may discover another way of doing things that achieves a better result

5. Recognise the effort: even if something doesn't work out, your manager may have bust a gut to get it done. Recognise that effort and be open: don't hold back from frank discussion. Explain why you feel the job could have been done better and listen to the response. Be prepared to change your point of view

But remember, if you really want to develop your Leadership Style you are going to find it so much less painful if you have outside intervention. Find yourself a Leadership Coach

Saturday, November 17, 2012

Benefits Of Secure Server Hosting

Web hosting organizations that provide a connection, storage and services by means of a secure and hack resistant server using https and SSL certificates are regarded as to be a secured hosting service. SSL stands for secure sockets layer and is currently probably the most widely accepted protocol in world wide web security. SSL is utilized in conjunction with https, hypertext transfer protocol secure. Https encrypts communication over the net and secures the network web server. Secure server hosting can be a common theme among e-commerce web sites and other websites that accept payments of any form.

Credit card numbers and other extremely sensitive info might be given and transferred over the world wide web in a secure manner. When an internet user connects to a web site employing SSL, the secured server is asked to confirm its identity. This security measure was put in place to guarantee third parties cannot tamper with or eavesdrop on a secured web site, essentially stealing confidential data. In order for this to take place, the web users browser need to have the ability to accept SSL certificates. Currently, most internet browsers are set up to deal with confirmations by default including well recognized browsers like Net Explorer and Firefox.

When picking a secure internet hosting plan it can be critical to take into account storage space, disc space, information transfers, databases and operating systems. The server ought to have the ability to store and transfer information at rates suitable for the client as a way to maintain the site running at a steady and reliable pace. The operating system running the server, whether or not it really is Unix, Linux or Windows must also be regarded as. Other functions to check into are additional space and transfer, E-mail, scripting language, CGI-Bin (custom or prepared), Front Page (extensions for FP), IP Address (unique number), Log Files (line by line detail), Statistics (summaries) and functions included within the control panel.

Its also important to think about set up time. How long it will take to obtain a website up and going as soon as connection to the server has been established? Furthermore to set up time, price consideration is just as critical. What are the payment terms and how much are the fees? Make a checklist of ought to have functions and select a secure server hosting plan that consists of them all.

Tuesday, November 13, 2012

Three Things to Remember When Buying Fixer Uppers

There's always risk involved when investing on real estate properties. More so if you're thinking of investing on fixer uppers. Not everything could be left up to luck. In fact, there are things you should do to make sure you're not investing on a lost cause. Unless you're buying a potential dream house, there are many things to consider when buying a fixer upper if you want a reasonable return on your investment.

It's quite exciting to find homes that look beautiful if only the lawn was properly maintained or if the house had a fresh coating of paint. It's even more particularly exciting because fixeruppers are usually undervalued. If you don't mind having a little project on your hand and if you really understand what you'll be getting into in terms of repairs or renovations, then it could be quite a diamond in the rough.

Here are a few things you may want to consider:

1. Location - It's still very important to consider where the property is located. Say for example you're looking through Long beach Island homes for sale and you find a fixer-upper, undervalued Long Beach Island real estate, that could be quite a find because the location is quite a desirable one. Just remember that no matter how well you fix up a fixer upper in a bad neighborhood you can't do much to increase its value because in real estate, location makes up for a lot of what the value of a real estate property would be.

2. Floor plan - One of the things that can help you increase the value of an undervalued property is adding a room into the floor plan or opening up an area of the house to make the layout a bit more aesthetically pleasing. However, since these home projects usually need time and money to complete, it's important that you buy a house that has a floor plan which you can already live with. It's going to be quite difficult to live in a house with two oversized rooms if you really need three rooms to accommodate your entire family. You can put in extra rooms and bathrooms later, but it's important that you'll be happy with what you'll have now.

3. Repairs - This is a crucial part of buying a fixer upper. Determine if the repairs that you'll need to do on the house is going to be worth the time, money and effort. Sometimes people look at the potential but underestimate the kinds of repairs that they'll be involved with once they buy the house. It's good to have experts look at the plumbing, HVAC, electrical system, roof, and the likes. Get an idea about how much it's going to cost to have systems replaced or repaired and see if the low price of the house is still attractive after you pile the cost of repairs you'll need to make afterwards. Also, take into consideration how long the repairs will need to complete because you may need to live with the mess for a while or maybe even look for alternate accommodations as the repairs are being finished, which puts more financial stress on you.

Thursday, November 8, 2012

Importance of Property Valuers in Organization of the Real Estate Industry


More than 95% real estate leads are generated online in the US and developing countries like India will soon follow suit. So it is very important to have a listing portal that helps agents and brokers to promote their listings. It is very important to be a part of this vibrant and ever-growing business field of real estate brokerage. However, it is even more important to be part of a successful global network. Real estate industry professionals need to work on a business model that has successfully been employed in major countries across the world. To overcome the inefficiencies of the real estate industry, it is important to have the use of training, technology and be ahead of its time. The RE/MAX policies of cooperative growth and shared office expenditure, ensuring that a person can focus more of his time on earning and doing transactions, is a collaborative way of doing business and making sure that everybody wins.


1. Less inventory: The number of sellers one represents in the market
2. Less leads: The number of buyers one represents in the market
3. Budget to advertise: Agents and brokers have little money to spend on advertising.
4. No training on real estate broking : Lack of knowledge of the real estate industry
5. Staff retention: Employees do not stay for long in the system.
6. Staff monitoring: Employees need to be given more time in terms of monitoring.
7. Staff motivation: Motivation levels fluctuate as per the market dynamics.
8. Recognition: A small office cannot recognize the efforts of a good employee.
9. Restricted network : Network of a real estate broker is restricted to his local friends at the most
10. No trust: Customers do not trust the average real estate broker, as agents are normally seen as dishonest.
11. Unorganized market: The property market is unorganized with no entry barriers and no regulatory body.
12. No international presence: Lack of reach to international locations plagues property agents.
13. Builders have to spend a lot of advertisement: Since selling agents are not coordinated, builders are spending a lot of money to promote their projects.


There are many real estate portals competing online in India right now, such as MagicBricks, 99Acres, Makaan and IndiaProperties. These property websites constantly vie for the attention of real estate buyers, sellers and tenants.

Online property portals on the Internet were established with an agenda to remove or bypass real estate brokers and agents from transactions taking place in the industry. They allow customers to list properties directly with the idea of eliminating the broker from the chain. However, nobody knows better than a broker that only a well-established property agent can give local market knowledge, help with paper work and find the best deal for the client at the lowest possible cost. It is difficult as well as unreasonable to try and eliminate agents and brokers out of the network.


The primary job of the broker is to sell the property he lists. The value at which a property is listed is of prime importance. If the property is undervalued it will sell fast but the seller will lose substantially. If the property is overvalued then it will take a long time to sell and the seller will lose on interest with increased opportunity costs and the may miss an ideal investment prospect.

A valuer can not only list the property in the market at the right price, he can also convince the customer that the price is perfect as he has the precise knowledge as to why the property is valued at that price.


Trust: A real estate valuer gets the trust of the seller as he is considered to be an independent third party doing the valuation of property.
Knowledge: The valuation of a property requires in-depth knowledge of various aspects to valuation and knowledge of the field. This creates an entry barrier to anyone who wants to enter the field of real estate.
Mandate: Generally, a seller will not get multiple valuations done for the property. So, the awareness that the property might be up for sale is available only to the real estate valuer.
Early Involvement: A real estate valuer gets involved in the transaction much before a real estate broker. This gives a bigger advantage to him in both customer interaction as well as the whole property deal process.
Expectation Handling: A real estate valuer can set correct expectations in the mind of the seller, helping in the negotiation process which ultimately helps in faster transaction.
Allied Services: Real estate brokerage can be reflected as an allied service or value added service to the main earning business vertical of real estate valuation. Customers increasingly prefer a one-stop-shop that provides a centralized solution to their end-to-end real estate requirements.

For further information in successful, profitable and organized real estate dealing, buyers, sellers, agents and brokers can all learn from .

Friday, November 2, 2012

Fun Things To Do At Lake Travis Texas

Enjoying the beauty of nature is the ultimate way to relax. Visiting to lakes is one way of being closer to nature. There are lots of activities that can be done in the lakes such as boating, fishing and jet skiing. These activities are exciting and enjoyable. Going to lakes is a best time to bond with family members and friends. It is also a great way to just lazily gaze at the beautiful scenery leaving all the worries behind. Moreover, it helps reduce stress when you're surrounded by a magnificent view. Lake Travis is one of the famous and lovely lakes in Austin Texas where you can have total relaxation. This place is situated 10 miles northwest of downtown Austin.

This place is widely known as the largest of the seven reservoirs in the area which is called as Highland Lakes. The second largest lake is Buchanan. These two large reservoirs are both used to store and provide water for industrial use, household use, and environmental water supply. This reservoir was built in 1942 during the construction of Mansfield Dam. It is owned by Lower Colorado River Authority.

Among the popular recreation in this place is fishing. This activity is extremely exciting. Many people flock in this place to go fishing.Fishing is a good recreational activity that helps enhance your creativity. It requires a lot of patience to do this. Once you have mastered the methods in fishing, this would be a fun and relaxing activity. This allows you to have quality time with your family and friends and gives you the opportunity to appreciate the scenery of Mother Nature. Largemouth, Guadalupe Bass, Catfish, White bass and Sun Fish are some of the fish that are commonly caught here.

Another activity that can be enjoyed in this lake is swimming. It also offers designated swimming areas where swimmers can safely swim and avoid accidental drowning. Aside from being an enjoyable outdoor activity, swimming in the lakes provides additional health benefits. It shapes up and tones the whole body and burns some fats. Moreover, swimming gives enormous cardiovascular workout that helps to strengthen the heart muscle and facilitates in improving the supply of oxygen to the muscles in the body.

If you're an adventurous person and loves to explore activities in the lake while at the same time looking for your dream house in this place, Lake Travis is just perfectly right for you. It has splendid scenery and spots for you to experience a feeling of tranquility of your lake getaway. This small suburban town in Austin Texas is an ultimate destination where people enjoy a friendly weather, exciting recreational activities and clean clear water.

This place is a great location for those who love adventure. If you are considering buying a property in this place, it is important that you work with a reputable real estate agent like Lake Travis real estate. You can also check Lake Travis homes for sale so you can choose wide range of houses available as you browse the photos.