Archive for December, 2008

Ideas for year-round giving

Posted December 18, 2008 by Bernz

“Everybody can be great. Because anybody can serve. . . . You only need a heart full of grace.” Dr. King’s renowned wisdom and insight reminds us that ordinary people can and will do extraordinary things. Particularly when they cultivate the right opportunity.

CBR001319Volunteerism. It’s a thought that tugs at our emotions most often during the height of the holiday season. Organizations that provide meals, clothing, mental counseling, and temporary shelter between Thanksgiving and New Years also need volunteers to help with day-to-day projects that occur throughout the year. If you’re interested in an opportunity that provides a far-reaching way to celebrate the spirit of hope and good will, consider donating your skills and your time.

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Want to survive the recession? Be your own boss!

Posted December 17, 2008 by Bernz

Continuous layoffs around the country are causing people who have only considered starting a small business or home based business to go ahead and make that leap into business ownership. Congratulations on your investment. You’ve just increased your opportunity for long term sustainability. But before you move forward on your business idea, put a plan in place. A business plan that is. It’s the tool you need to get your business off the ground.

42-16875144Your business plan identifies your business goals and defines your step-by-step actions to achieve them. A business plan is also critical for raising capital or when you want to create strategic business partnerships, as a well-written business plan will help you secure a bank loan or capital from private investors.

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Own your own business? Know what forms of business ownership is right for you

Posted December 16, 2008 by Bernz

If you’ve started a small business or home based business you’ll likely experience humble beginnings, however as your business grows you might want to also expand ownership. Let’s take a look at the types of business ownership options and what they mean for you as a business owner.

cogsSole Proprietorship (or proprietorship). This is a business owned by one individual. All you basically need to conduct business is a license issued by the state where the location of your business is. There are three main advantages of a sole proprietorship: 1) easy and inexpensive to start; 2) they are subject to very few government regulations; and 3) the income the business makes is not subject to corporate taxation.

Partnership. A partnership forms when two or more persons conduct a non-corporate business for profit. Such partnerships may be operated under the form of a verbal agreement or with the formality of a written contract. In either case, a partnership defines the way each partner will share the business’s loss and profits. For example in a limited liability partnership (LLP) or limited liability company (LLC), all partners have their potential losses limited to their investment.

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Key advantages for investing in real estate and types of properties to invest in

Posted December 15, 2008 by Bernz

Why invest in real estate? The obvious reason is cash. But in addition to increasing your cash flow, there are two other reasons. I’ll explain all three and share some of real estate investing options that you might want to consider.

brazil-real-estateThe first advantage to property ownership is appreciation. When a property appreciates it increases in value. Though generally it takes several years for real estate to appreciate at a rate equal to or greater than the rate of inflation. And when it does, the resulting advantage is a hedge against inflation.

Next, as a property owner you gain leverage. For example, when you invest in a property you gain the opportunity to use borrowed money to invest in some other asset. This could be the purchase of a vacation home, business, etc.

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Posted in Investing in Real Estate | No Comments »

7 types of real estate contracts

Posted December 11, 2008 by Bernz

Thinking of selling or buying property? Here is an overview of some real estate contracts you should become familiar with.

locationsListing agreements – This is where a property owner and real estate broker have a written contract for the broker to find a buyer or leaser for the owner’s property.

Buyer representation agreements – A written contract in which the buyer employs the broker to locate a property.

Purchase and sale agreements – This is a written contract between a buyer and seller. It contains all the details of the price and closing. (more…)

Posted in Investing in Real Estate | 1 Comment »


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