Category Archive : Real Estate

United States of Florida, Orlando is one of the main cities in the central region of the country. This city was ranked as the third most visited American city among travelers. It is home to several entertainment attractions such as the Walt Disney World resort and the Aquatica water park. Orlando is home to several businesses in central Florida. All of this makes the city popular with Orlando foreclosure buyers.

If you are considering buying or selling property, planning to move, looking for Orlando homes for sale, or looking for any other information about real estate in Orlando or the surrounding areas, you’ve come to the right place. This comprehensive Orlando real estate resource offers everything you need: access to property listings with photos and virtual tours, home valuation tools, and real estate articles to help guide you through the home buying or selling process. You can also find a realtor, real estate agent or real estate broker to help you buy or sell a home, and find information about Orlando communities, schools, real estate market conditions! , recreation and much more!

With such a rosy economic outlook, buyers and investors look to these Orlando bank foreclosures for potential investments. Right now, the market is clearly favoring buyers, especially with low home prices and reasonable interest rates. Sellers are trying to offer more discounts, as well as other incentives, like paying for closing costs, to reduce the amount of foreclosed properties they have in their inventory.

Today, some homebuyers have more financing options than ever before. From traditional mortgages to adjustable rate and hybrid loans, there are financing packages designed to meet the needs of virtually anyone. While the different options may seem overwhelming at first, the overall goal is pretty simple: You want to find a loan that fits both of you. your current financial situation and your future plans.

However, before closing a foreclosure sale deal, be sure to check out the property first. You should find out if the property is in a decent neighborhood because this will affect its resale value. You should also check if the property is in good condition and does not need major repairs or renovations. It is not good to buy cheap foreclosure houses. only to find out that you may need to spend a large sum on repairs. Therefore, it is always best to do extensive research on foreclosures for sale before you decide to buy.

Today, many real estate organizations provide the necessary information through their own website to their esteemed clients.

You can still get a good rate on your mortgage with less than perfect credit with an FHA loan. A mortgage is a major expense. But it can be even more expensive when your credit score isn’t perfect, since you may end up paying a higher interest rate for a subprime mortgage.

How to avoid having to pay a higher rate? One way is to pay off your debt and establish a good history of paying your bills on time. But it can take up to a year to show results.

However, there is another way, and that is to consider an FHA (Federal Housing Administration) mortgage. These loans use different criteria than other mortgages, and that can allow lenders to offer you terms that are slightly higher than market rates, in some cases as little as 0.125 percent higher.

FHA Mortgages
It is important to understand what an FHA mortgage is. Contrary to some people’s belief, the Federal Housing Administration is not a lender. It is a federal government agency that guarantees loans from private lenders, making mortgages available to people who may have difficulty qualifying, often due to a lack of credit history. This includes recent college graduates, newlyweds, as well as people who have had credit problems, including bankruptcies and foreclosures. Since an FHA mortgage is insured by the government, the lenders who make these mortgages take on less risk than with other low credit score loans and can therefore extend credit at a more reasonable interest rate.

how to qualify
The qualification criteria for an FHA mortgage are different than for a conventional loan. While your credit score is often the most important factor lenders consider when approving you for a conventional loan, with an FHA loan it’s not the central consideration. Rather, FHA looks at your overall credit history and is often more flexible in considering mitigating factors.

That doesn’t mean you don’t have to monitor your credit. FHA requires an acceptable credit period of one year, during which you have made all your payments on time. You can review your rent or mortgage payment history during that time, any new credit or credit inquiries, and whether you have paid any judgments against you. And consider your debt-to-income ratio to ensure you’ll be able to repay the loan.

Advantages

  • FHA cannot withhold an unpaid collection against you if there is a valid reason for not paying it.
  • You can qualify three years after a foreclosure, as opposed to the usual four years with a conventional loan.
  • Your down payment can be as little as 3 percent of the loan amount.
  • The down payment can be a gift from a family member, a government agency, or a non-profit organization.
  • Your housing expenses (PITI) and other debt payments can total 41 percent of your income, compared to the usual 33-36 percent for a conventional loan.

Disadvantages

  • There is a limit to the amount you can borrow that varies depending on your area.
  • You may need to get a second loan if, due to regional limitations on the amount you can borrow, an FHA loan doesn’t provide enough financing. (On a $100,000 mortgage, the initial 1.5 percent mortgage insurance payment would be $1,500, which, wrapped in a 30-year fixed mortgage at 8 percent, would add up to an additional $11.01 per month. The 0.5 percent annual premium would be of $500 per year or $41.67 per month.)

Real estate is the second largest industry for drone use, after aerial photography, which is easy to understand when looking at the attractive aerial photos and videos used by many real estate agents today. Drones are technically known as UAVs “Unmanned Aerial Vehicles” or when referring to the drone and ground control unit, an “Unmanned Aircraft System” (UAS). UAVs today are very affordable, easy to operate, and highly manoeuvrable. Although a pilot’s license was once required for the use of commercial drones, the FAA now allows operation with a remote pilot certificate (FAA Section 107 regulations).

How and why drones benefit the real estate industry

Differentiating property listings by offering high-quality aerial photography and video is a hot topic for real estate agents today. Statistics show that aerial imaged homes sell 68 percent faster than homes marketed with standard photography. Here are 9 ways real estate agents and brokers are benefiting from drones:

1. Drone photography offers dramatic and captivating images.

The use of modern drone technology allows real estate professionals to create exceptional shots with ease. The use of GPS programmed flight paths combined with automatic camera aiming at points of interest results in professional and attractive views.

2. Drones can take attractive virtual tours.

A camera drone can fly around a home or office building and travel through each room, creating a detailed virtual tour that stationary photography cannot capture. Today’s video editing software makes it easy for agents to create a professional voiceover soundtrack, giving the potential buyer a rich and compelling visual story.

3. Drone photography can show enhanced property features.

Aerial photography can capture landscape shots, outdoor seating areas, swimming pools, hot tubs, walking trails, nearby parks, local schools, and other interesting features potential buyers will want to see.

4. Drone photography is attractive to sellers and will generate new business for the real estate agent.

Using drone photography and video to market properties is a great selling point for prospective sellers, who want their property to be presented in the best possible light.

5. Drones give real estate agents a competitive advantage.

Real estate listings with drone-produced images and videos outperform listings that only offer traditional photos, resulting in higher sales for the agent.

6. Drones are a cost-effective alternative.

Drones are cheap to buy and use. Or real estate agents can profitably outsource aerial photography to professional drone operators.

7. Drones offer a high-level impact for luxury homes.

Drone photography can highlight an oceanfront view, highlight a beautiful garden, expansive grounds, unique pools, or water features. Drone aerial photography is capable of capturing the elegance of a high-end property in a way that no other photography method can.

8. Drones offer advantages for commercial real estate and property development.

Drones are used to plan high-rise apartments and other multi-unit residential projects. They are used to survey, appraise, and market the property to potential buyers, and for aerial overviews of the land to be developed and surrounding neighborhoods.

9. Drones help with roof and home inspections.

A drone allows inspectors to identify roofing and other issues in ways a ladder never would. Beyond offering a safer inspection solution, they can easily identify issues related to raised shingles, bent flashing, or chimneys.

Current FAA Regulations

All drones weighing more than half a pound (0.55 pounds) must be registered with the FAA. The cost of registering drones is only $5, but the penalty for using an unregistered drone can be as much as $25,000 per UAV. Current FAA guidelines include:

• No drones may be flown within 5 miles of an airport or terminal.
• Written permission is required from each person before drones can fly over or photograph them.
• Commercial drones are limited to an altitude of 400 feet.
• Drone pilots must remain in the line of sight of the drone they are operating at all times.
• All operators must obtain an FAA drone/UAV operator’s license.

Risk protection for real estate agents

While the risk of damage and injury is very low when it comes to drone photography, there are some risks involved. All drone operators must have commercial drone insurance. Most drone operators should consider accident and liability insurance. Many real estate companies require a minimum liability limit of $1 million for third party operators. There are several types of coverage applicable to drones, including:

• Civil liability insurance for drones
• Hull insurance (damage to the actual drone)
• Drone payload insurance
• Ground equipment insurance

Drone liability insurance protects the operator and the company from third party claims or property damage. Some policies may extend your insurance coverage to protection against financial loss associated with negligence and invasion of privacy. All real estate agents using drones should review their coverage to ensure they are protected when using this growing technology.

Decelerate. Before you call PETA to request that they send in a hit man, hear me out. Most people eat meat, so why is farming a better source of meat than hunting? As it turns out, it’s not, at least in terms of their respective “green” scores. When it is done for sustenance and not fair for sport, hunting can actually be an environmentally friendly activity.

Let’s be clear: this statement only applies if you follow a specific set of guidelines. You are consuming or using every part of the animal you kill, to the best of your ability, and you are not just killing for the sake of killing. The animal population you are hunting is one that truly requires control, and that control is managed professionally and/or appropriately. He’s also doing everything he can to make sure the animal is killed humanely and that the weapon he uses to do it is efficient.

Think about Jake from Avatarnot Uncle Jimbo’s South Park.

With all of that in mind, consider that hunting has been a part of human history for countless generations. It is an ancient food source that connects us with our wildest selves and with nature. It may come as a surprise, but here are 5 ways that hunting is actually environmentally friendly.

1. Maintains and controls animal populations

At least in the United States, hunting is a highly regulated activity. There are laws at the local, state, and federal levels that keep the number of prey animals in check. These efforts help us do things like reduce collisions between cars and deer and protect our produce from grazing wildlife, helping us coexist. At the same time, the general health of the species is also protected in most places due to conservation laws that limit what animals can be hunted, when and where they can be pursued, and how many can be taken.

The process has and will always need constant management, so populations of animals that are popular with hunters may have an advantage as they will be more closely monitored for conservation as well as to preserve the sport.

2. It ignores livestock practices

Entire books have been written about the environmental debacle of large-scale cattle ranching. Let’s just cover the basics. We use 30% of the land on earth to grow vegetables used to feed livestock such as cattle, chicken, and pigs. We only use 10% to feed ourselves directly. we also use one third of Earth’s fresh water that hydrates our farm animals. Not to mention, methane emissions from livestock, produced as a byproduct of digestion, account for at least a third of all agriculture-related greenhouse gases.

Like any other mass-produced food, commercially grown meat often goes to waste. Supermarkets, restaurants and consumers buy more than they need and end up throwing away too much. And unlike animal habitats in nature, ranching has already required the destruction of millions of acres of carbon-sinking forests around the world, accounting for up to 15% of global carbon emissions.

While smaller-scale and “backyard” farms are great alternatives to large-scale commercial sources of meat, hunting is also a viable option. Deer, elk, wild boar, duck, and rabbit are good substitutes for traditional cattle.

3. No added ingredients

One of the best things about eating game meat is knowing that it tastes exactly as nature intended. And you may be surprised to learn that much of our commercially raised cattle actually has added ingredients.

Farm animals are often given small doses of antibiotics. Not to prevent infection, as one might think, but to promote growth, an accidental side effect discovered in the 1940s. This is a problem because the practice leads to the emergence of antibiotic-resistant strains of bacteria. Although the potential impact on human health has yet to be quantified, the possibility of a future outbreak certainly exists.

US farmers often give livestock steroid hormones or synthetic equivalents to promote growth and metabolism of feed into meat. The FDA states that these chemicals are safe for human consumption, but studies have shown that they are excreted in feces, where they can find their way into water systems, causing endocrine disruption for fish and other wildlife, and possibly reaching as far as we.

Unless you’re buying organic or grass-fed meat, the meat you buy at the store was likely raised on GMO foods. Genetically modified animal feeds are made from plants that either produce pesticides on their own or are bred to withstand heavy applications of nasty chemicals designed to kill bugs. Those chemicals are not removed from the plants before they are delivered to livestock. Instead, they accumulate in the fat of animals, which we then cook and eat, exposing us to substances that cause cancer, reproductive problems, and many other health problems.

As long as you’re not hunting in an area with known environmental contamination, you don’t have to worry if your game meat is full of nasty things you can’t even spell the names of. No, just pure, natural, chemical-free and flavorful cuts.

4. The sport stays wild

Hunters are among the most active conservationists. It stands to reason: to enjoy hunting as a sport, the land must remain wild. Without well-conserved habitat, game species simply won’t thrive and access to them will be limited.

People who buy hunting equipment also make a large financial contribution to the protection of hunting habitats. In 1937, Franklin D. Roosevelt signed into law the Pittman-Robertson Act, which allowed an 11% tax on firearms, ammunition, and bows and arrows. The inventive legislation has been a steady and uninterrupted source of conservation funding ever since, raking in more than $18 billion in total. The money is distributed annually to states to spend as they choose: education, research, restoration, or however they see fit. The results, such as the resurgence of bighorn sheep populations in the southern Rocky Mountains, have paid off.

Fees paid to obtain a hunting license or tag also help conservation efforts. States use the revenue to lease land for hunters to access, keeping it at least temporarily undeveloped. They also use it to operate fish hatcheries, combat invasive species, keep wildlife populations healthy, and offer special programs and education. In Colorado, the Department of Parks and Wildlife estimates that 62% of its funds dedicated to wildlife efforts come from license fees, and all taxes and grants combined only contribute 34% (donations and grants). direct sales make up the rest).

In short, the country hunt for itself. Hunters as a group give back more than they take by paying higher taxes and fees on products and services associated with hunting, and by promoting land use that requires it to remain as is.

5. Create a lifelong appreciation of nature.

Learning to hunt skillfully can give you a solid appreciation of both animal behavior and the rules of nature. It teaches you respect for the earth and animals, for the cycle of life and death, for our dependence on other forms of life to survive.

Hunting a deer is an all day effort, if nothing else. It’s just not possible to spend so much time in nature and not connect deeply with it. Hunters learn to work with the land, rather than against it, to achieve their goals, and the enjoyment of their time in the great outdoors leads to a naturalistic passion that knows no bounds.

Are you a hunter? Has hunting brought you closer to nature? In what other ways do you think hunting can be environmentally friendly?

The legal profession is facing a flurry of changes in the way it conducts business. We think we are used to change because that is the nature of the law. We live in the changing world of courts, business, technology, and law. We are now also experiencing a world where books are being replaced by e-books, where DVDs are being replaced by live streaming, hotels by renting out rooms in people’s homes, taxis by Uber, and bank loans. for loans between peers.

What is changing for lawyers?

The following five trends are impacting the legal profession:

  1. Outsourcing: This trend has already impacted other professions such as accounting and is now impacting the legal profession. Some paralegal and litigation support tasks, like coding and document review, are outsourced, saving you time, money, and the need for some skills.
  2. artificial intelligence: Legal research has been done online for some time and already reduces the amount of time it used to take to research. But the quality of what is available to us in terms of legal research is about to change exponentially with the advent of artificial intelligence. Legal software will only get smarter at predicting failure, conducting investigations, and recommending courses of action. While it will make our roles much more efficient, it will also come with a whole new set of challenges in how we bill clients and how we ensure that the advice we provide is correct and up to date. We will still need to know if anything has changed in the last few days that has not been incorporated into the predictive software at the time we give advice.
  3. social media: It has now become part of how we market our legal services, how we hire, how we research the people we hire, and how we gather evidence to support our client’s position. It will only be more so in the future.
  4. A multigenerational workforce: For the first time ever we now have four generations working side by side in the legal workplace. We have traditionalists, baby boomers, Gen X and Gen Y working together. Now people are working longer and that means that in some places there is a generation gap of more than 50 years between the youngest and oldest employees. This requires levels of tolerance, understanding and communication that we may not be used to.
  5. Alternative billing models: The traditional billable hours model was not popular with our clients and was seen as rewarding inefficiency. As smart software becomes more common, more changes to the traditional billable hour model will come. The value of our advice will no longer have much to do with the time it took us to provide it.

Global research by Deloitte has found other issues from a global survey of legal clients. Nearly half of all legal service providers interviewed indicated that regulatory compliance, mediation, arbitration and litigation were growth areas in their businesses. However, the same researchers also found that loyalty to a law firm was not guaranteed. More than half (55%) of those interviewed said they had recently reviewed their agreement with their legal provider or would do so within 12 months.

Deloitte also found that what people wanted from their law firm was now changing. Rather than pure legal advice, clients also wanted their lawyers to have more industry experience, commercial or non-legal. They thought it would be helpful if they had digital, data, privacy and cyber security skills and were more proactive with knowledge sharing. Eventually, this may result in law firms having partnership agreements with other professions so that client needs can be more fully served.

Interesting changes that have already occurred

What changes have I already seen professionals undertake? Here are a few:

  • A non-profit family law firm where profits are donated to an appropriate charity or given back to the organization or staff, rather than paid to partners as profits.
  • A law firm’s use of emoticons in correspondence because putting a happy face at the end of an email ensures that the other party knows you are not looking to escalate a dispute.
  • The formation of solid networks with other professionals who could recommend work to you or vice versa. These networks can contain anyone from accountants, bankers, financial planners, stock and insurance brokers to healthcare professionals. You can form these networks informally or with regular monthly meetings where everyone invites their customers to meet and greet.
  • A company holds a ‘digital festival’ every six months to keep customers up to date on relevant technology and any relevant legal issues or risks associated with its use or non-use.
  • Apps that help people track what stage their file is in (for example, text alert when the search is sent to a government department or when the lease is sent to the tenant), when their next meeting is, the government agencies that they should contact for different problems, etc.
  • Strategic positioning of law firms in non-traditional physical locations, such as health or innovation centers.

How do we consciously cope with this amount of change?

Lawyers are traditionally conservative. We have a way we’re used to being perceived, a way we dress and talk, a way we expect our office furniture to look, and a standard approach to how business is done…sort of, the way it’s always been. Now we are being asked to shake things up and make changes to the way we do business if we want to stay relevant.

Change can be a good thing. If you’re old enough to remember black-and-white television, cassette tapes you had to wind up with a pencil when they broke, floppy disks, or fax machines, you’ll know what I’m talking about. Have you ever sold your house? Did you get involved in a frenzy of cleaning, throwing out, moving furniture to new places, and repairing things that you had put up with for years? After everything was ready, did you step back and look at this sparkling house and wonder why you ever thought selling and moving was a good idea? Your law practice could probably benefit from a similar cleanup, repair, and reorganization. Instead of seeing these changes as a disruption, what if you saw them as an opportunity to upgrade?

Our very human reaction to change is to see it as bad or threatening. After all, that’s what kept us safe when we were evolving. Every change in our environment was a potential threat to our existence. Mindfulness asks you to see the change, just like the change. It’s neither good nor bad, it’s just a change.

Mindfulness also asks you to recognize that change is required and to accept what that will mean. Acceptance means not railing against the need for change, but accepting it and determining step by step what can be done about it.

Starting with small changes will make it easier. Pick something relatively easy, like building your referral network by one person a month, and start there. Every step you take will count. After you’ve done a couple of smaller steps, you could tackle something bigger, like social media for your business, if you haven’t already.v

The changes that are coming are neither good nor bad, they are simply an opportunity for us to do better business.

Under California law, landlords must comply with housing standards and must refrain from using self-help. There are housing standards that, if violated, will deem the property untenable, meaning it cannot be rented.

The property is considered unsustainable, if it substantially lacks the following:

(1) Effective waterproofing and weather protection of the roof, walls, windows and doors;

(2) gas facilities maintained in good working order;

(3) A water supply capable of producing hot and cold running water, and connected to a sewage disposal system;

(4) heating facilities maintained in good working order;

(5) Electric lighting, maintained in good working order;

(6) The building, grounds, fixtures, and all areas under the Owner’s control from the time the lease or rental agreement commences must be kept clean, sanitary, free of all accumulations of debris, dirt, litter, litter , rodents and vermin;

(7) An adequate number of appropriate receptacles for trash and trash, in a clean and good repair condition at the time the lease or rental agreement commences, and the landlord is responsible for the clean condition and good repair of the receptacles under his or her his control;

(8) floors, stairs maintained in good repair.

The landlord must also ensure compliance with local ordinances and any remodeling must comply with existing building codes.

A landlord of a dwelling cannot legally enforce rent, collect rent, issue a notice of rent increase, or issue a three-day notice to pay rent or vacate, if the property is untenable and:

(1) A public officer or employee responsible for enforcing any housing law, after inspecting the premises, has notified the landlord or the landlord’s agent in writing of their obligations to abate the nuisance or repair substandard conditions;

(2) The conditions have existed and have not been removed 35 days after the notice was received from a public official and the delay is not for good cause;

(3) and the conditions were not caused by an act of the tenant or the tenant’s inaction.

A landlord who demands rent, collects rent, or issues a rent increase notice, or issues a three-day notice to pay or vacate and all four conditions are present, then the landlord is liable to the tenant for actual damages, plus damages. specials of not less than $100 and not more than $5,000.00. The prevailing party is also entitled to reasonable attorneys’ fees and costs.

This does not mean that the lessee can cause these conditions and it does not mean that
the owner is responsible if the tenant chooses to live in substandard conditions. The landlord is not required to repair a blight if the tenant is in material violation of the following affirmative obligations:

(1) The tenant is obliged to keep the part of the property that he occupies and uses clean and sanitary, as the conditions of the property allow;

(2) The tenant is obligated to properly dispose of all trash, rubbish, and other debris in his dwelling unit in a clean and sanitary manner;

(3) Tenant is required to refrain from giving permission to any person on the premises to intentionally destroy, deface, damage, deface, or remove any part of the structure and Tenant must also refrain from doing such things;

(4) The tenant is obligated to occupy the property as his residence, using parts for living, sleeping, cooking or eating only according to the design and intended use of the dwelling.

These are the most basic requirements, but the list of obligations and responsibilities is much broader and places even more responsibilities on the landlord. What is shocking is that a landlord is allowed to legally harass a tenant, even when the landlord has no viable claim and violates the above. A landlord can start eviction proceedings and even evict a tenant, even if the landlord is violating the aforementioned housing violations. If the tenant can get a lawyer to represent them, the landlord can litigate the lawsuit and then, on the day of trial, simply dismiss the lawsuit.

If the landlord alleges a violation of the lease as the basis of the lawsuit, the landlord can dismiss the lawsuit at the last minute and not incur attorney fees or costs, because if there are attorney fee provisions in the lease, there is no winner. when the landlord voluntarily dismisses the case. It’s a loophole that essentially encourages frivolous lawsuits. Under California law, the landlord could file a frivolous lawsuit multiple times and have it dismissed just before trial after the tenant has exhausted the thousands of defendants in the lawsuit. This is how a landlord can legally harass a tenant.

It’s not right, it’s not fair, and it’s certainly not fair, but it’s the result that the State Legislature created.

There is no doubt that the global economic crisis has affected everyone in terms of financial income and social status. With many companies reducing their staff and others reducing the take-home pay of their non-redundant staff, it is necessary to take alternative measures to pay the monthly or weekly bills that keep coming despite the negative effects that the crisis has on the economy and on various households. . .

Whether you have a job or not, you must need a home to live in, which means you must pay rent to have legitimate occupancy of the home, likewise you must pay for the electricity, water, and gas that comes with the house. home. . Of course, we haven’t mentioned the probable mortgage you’ll have to pay, credit card debt, or the children’s school fees. As long as you live with the need to enjoy these essential necessities of life, you need to have a strategy to pay those bills that keep coming in at the end of the month.

One way to do this is to use your internet-connected computer to your advantage, whether you are at home or at work, but more especially at home, where you will surely have the convenience and comfort to use your determination to exercise effectively. . a bill payment strategy.

Among the many internet income strategies, one that has been known over the years to be highly profitable is the one where all you do is post ads for businesses after signing up with them, you will be paid immediately in based on more ads posted, more pay. . It’s that simple, post ads for businesses and get paid. These companies need your ads to sell their products or services to the world and therefore they need you to provide them with that online advertising service.

Another well-known internet income strategy is data entry where all you need is a computer to collate and organize, as well as record company data in your database, all from the comfort of your own home. These companies will pay you based on the amount of data entered. You can visit sites like scriptlance. com or getafreelancer. com, where you will see many companies offering different rates to anyone interested in taking data entry jobs or posting ads for them. You are paid primarily through an escrow service or through your PayPal account or any other agreed payment channel.

Now how does this help pay your bills? If your combined billing rate for the amount averages $650 per month and you have a monthly take-home pay of $950 from your day job, instead of having just $300 left over for your other expenses at the end of the month, you might decide to use a number specific hours free from your work time to be at home, turn on the computer and start working and earning money online, now any money you earn from this channel will be used to pay your bills for the next few months while you will start to have more of your daily take-home pay set aside for your other needs. You can continue with this until you feel like you’ve reached a stage where you can double the rate of your day job, after which you can start thinking about quitting to put more effort into your home-based business. According to a renowned businessman and motivational speaker, Mr. Jim Rohn, “profits are better than wages.” Start thinking about making a profit from your home business and eliminate the stress of painfully paying your bills every month and be on your way to financial freedom and eternal wealth. Good luck!

Buying an investment property to secure your future is sure to be one of the most common routes Australians take to gain financial independence. It has recently been said that one in seven Australian taxpayers are property investors.

Despite the fact that the Australian property market has experienced a significant drop in prices, foreign property investors, especially those from the Asian region, have continued to buy property in Australia. This is because the Australian economy has shown its immunity to the financial crisis, as many Australian politicians claimed that Australia has not been affected by the financial crisis as much as other countries. Buying a rental property in Australia will surely be one of the safest ways to invest because the Australian property market continues to grow and the Australian economy is very resilient to external factors such as the financial crisis. Many years ago, I read a book in which the author stated that building a portfolio of investment properties is the only path to freedom.

He then created a new term ‘free investment property’ which he used to explain the formula for gaining financial freedom through investing. In his book, he explained that investing in property is the only way to overcome financial hurdles when we retire. And he backed up those claims by providing some tools for calculating how much we’re likely to save for retirement if we bluntly believe that retirement won’t provide us with enough funds to cover our retirement expenses. I must say that the discoveries I made were quite shocking. That is why I started my path of real estate investment.

It’s been over 20 years since I started on this path. I have my own portfolio of properties and now work with Ray White with the goal of helping others with all Real Estate related matters such as real estate investing, property management, property sales, Darlinghurst residential sales, leasing. We also provide home loan services to help others finance an investment property or finance a home. I also lead real estate workshops and real estate investment seminars helping others start or continue on this path. Consider this, every day a new real estate millionaire is born. This way of securing our financial future is becoming something that everyone does. So maybe you should start down the path of real estate investing?

Respectfully, Steven Murabito

College sports bring in a lot of money every year at the main college level. These programs contribute $30 and sometimes $40 million dollars a year to universities and colleges and the players get nothing. These are the same players who are breaking their backs through college day in and day out and can’t get a piece of that money and to me, that doesn’t seem fair. I know what you may be thinking: that these student athletes are either receiving a free education or have earned a scholarship to play ball at that university. To me, that’s the least they could be doing.

When I watch college football on Saturdays and see stadiums packed with cheering fans paying big bucks for a ticket, I say, what business could a company run and not pay its workers? You would think he was talking about some Third World country! Pay players now please!

Think about this: Most college coaches earn six-figure salaries – college programs big and small. Some of these college coaches get shoe contracts, others get television and radio contracts and many other benefits along the way. Also, if they are good coaches and win games, they will be offered another coaching job elsewhere with more money and higher benefits. Student athletes get nothing and to me something needs to be done about it. Please pay players now!

They will keep telling you that athletes are getting free education, free books, free room and board, and the opportunity for a good college education that will last a lifetime. So what! Pay the players! I see all this about the university as slave labor! The coaches make a lot of money off of these players. You hear stories about college athletes taking money or getting paid under the table. You hear these stories of players getting cars and lots of cash, you hear stories of players getting all of this and more. You hear about player families getting cars and houses to attend that college program. This happens all the time in secret!

Why do players take this money and cars and houses for their families and much more? Well, one of the reasons is recruitment; some college programs feel that to get a top college recruit they have to offer these things. Some university programs (not all) have to give something to get these kids. Some of these players come from poor backgrounds, so for these kids getting some money is a big problem, especially if the players and their families don’t have any money anyway.

Being a college athlete is very difficult. In the first place, the number of hours that these players spend is a lot, every day of each week. They are in class all day, then there is practice after practice, they go to dinner if they can and then they go to study. Now this may all sound simple to you, but the amount of time these student-athletes are putting in is enormous. So the coaches want more. There could be a movie to study for and there could be times when the athletic trainer is watching them. As a student athlete, you have to focus on your studies and your sports performance or they will try to get rid of you.

College athletics is tough. Sometimes at the end of the day you are exhausted and don’t feel like studying or if they have some kind of study table for the players you might not be able to fully focus and often your attention is elsewhere. Just think of the millions of people who go to work every day. They work long hours and may have long commutes to and from home. I’m sure the last thing working people want to do is spend overtime doing more work. Most workers want to relax, maybe have a beer and watch some TV, and then call it a day. The big difference is that they are paid for service and time and college players are not.

Most college student athletes don’t get their college degrees and one of the reasons is the practices and games they play. There is so much pressure to do well that something falls off and that something is their education. College coaches have been known to look the other way when it comes to student athletes and their academics, as long as that player can help win games.

For most college athletes, when their eligibility is exhausted, college programs no longer need their services. Why would they? For 4 years these university programs have put these young men and women to work every day. College programs have gotten everything they could get from these players and then some. At the college level or at any level, it’s just about winning games and making a lot of money.

Take a look at baseball; If a high school baseball player is really good, they may be offered a contract to sign with a major league baseball team. Sometimes the offer is for $200,000 and I’ve heard as much as $2 million. Now, if that high school baseball player takes that money, he will lose his eligibility for college. Some high school baseball players transfer the money to attend college where they can improve, hone their baseball skills, and get recruited again by a major league team. Many high school baseball players take the money and jump at the opportunity to try and make it in the major leagues. Many players never make it to the majors. Some playing in the minor leagues for years until they realize their dream of playing in the majors isn’t going to come true and they move on.

Once you take that money, you can’t go back and try to play college baseball. The same is true for all other sports. You’ll have high school basketball players trying to make it to the NBA; you have youngsters trying out for the NFL. Many of these athletes never gave education a chance and many of those who are in college never earned their degree.

College athletes struggle with their studies. Many don’t graduate and some just quit altogether. College track isn’t for everyone and many student athletes can’t make it, so pay the players! Pay them something for all their time and effort!

When these college programs play in bowl games and make millions off the players and the players still get nothing, that’s wrong. When it’s “March Madness” time for college basketball and millions are glued to the TV every day for hours and the players are giving it their all, still getting nothing!

Why would it be a problem to pay players? Schools are making millions of dollars either way. This is not Mexico or China, where workers are paid $1.00 an hour to make billions for some corporation, you know, slave labor!

Why do you think players take money from many external sources? Why are players suspended from the team for breaking team rules? Why are university programs on probation? Everything is for money. You have a lot of players who come from disadvantaged backgrounds where there is no money in their families. If these disadvantaged young student-athletes had to pay for college out of pocket, most would not be in any college.

Some student-athletes come from backgrounds where the education system isn’t that great. Your school districts are underfunded and mismanaged. For many student-athletes, their exit is a full-scholarship athletic education. Playing a sport is your future. Many student athletes only focus on athletics thinking that one day they will be good enough to play in the pros. So when money hangs in front of the faces of some student athletes, the temptation has to be overwhelming!

For many years we have heard stories of players and coaches getting into trouble over money. We have heard of situations where the NCAA eliminated entire college programs because players were given money. Why do they do it? Why is money a problem? One of the reasons is that it’s easy to get certain types of players from certain types of backgrounds. Great college programs can only survive with great college players to get paid. We all know that paying college athletes is wrong (set by NCAA guidelines). But this rule has to change now.

If college athletes get scholarships then they can get paid. If the players get paid, then I think more college athletes would graduate from college because there would be a stronger incentive to work hard in the classroom. Larger universities pay college coaches more based on their performance and players should get paid too.

If the players are paid, this corruption would stop. No more players paying boosters, no more college players selling their shoes, no more college players taking jobs that pay big bucks just for working a few hours. It’s tough for a student athlete! Did you know that a non-student athlete can get a job to earn extra money and work around their schedules, but a student athlete can’t have a job until the end of the school year and there are restrictions on what kind of work they must do? carry out? He can have.

In college sports, the rules aren’t fair to college athletes! The playing field is not equal. Pay the players!

As a media specialist for 30 years, I can tell you that these are incredible times. No one has to depend on traditional media anymore, paper, radio or television… Internet has changed that forever.

In the late 1990s, I did a series of radio shows and officially introduced the Internet as the fourth medium. A medium that would transform the media as we have known it. Transform was an understatement!

Today, “social media” allows anyone to “become the media” in effect. Facebook, MySpace, Digg, Twitter, etc. They are all social networking sites, where we share stories, images, links, etc. It is not unlike newspaper, radio and television, sharing news, images, videos, music, social chats, etc.

The difference today is that at almost zero cost you can reach a global market from your own laptop, using social media. You have thus become the means of communication itself! Now how powerful is that? Just as you needed a physical store or even eBay to sell your products under one roof, now you can do it yourself through your own website or blog. Don’t think that all the traditional media are not scared and worried about all this power that you and I have now.

As a media specialist for many years, I have always talked about targeting products to niche markets using print, radio and television. Objective yes, but still depending on the content of the media being used. If you didn’t listen to that radio station or read that newspaper, you would never see or hear my targeted ad. Now I can find that targeted ad as soon as I type my search query into Google. Now that’s the most targeted you’ll ever get and better yet, targeted to a global audience to boot.

This is great media power in their own hands and it should make the mainstream media nervous, very, very nervous. So essentially, stop trying to figure out how to best use existing media and become the media yourself. Here’s a hint, notice that all the traditional media are using social media! hmmmm

Mastering social media is extremely important, and some would have you believe it’s virtually impossible to master. These are the same people who tell you that Google is impossible to control. Nonsense! Everything is terribly logical and not complicated. It’s formulaic, no gimmicks, no magic, organic marketing at its best.

I hate to rain on the guru parade here, but you don’t need 25 DVDs or 200 page PDFs to learn this process either. That’s too much exaggeration and really bad editing. And trust me, it’s a simple process to follow. But you have to follow it! Long-tail keyword research, blogging, article marketing, and video are at the center of the process. Then it’s all about which social networking sites to use, which RSS feed directories to use, and a few other tweaks, and you’ll be on the first page of Google in a few days.

When you get familiar with social media, get your site or blog on the first page of Google, and start getting some calls and sales, you’ll know for sure that you’ve become the medium itself!