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R&F Properties
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14 июня 2016, 08:51

Apple представила мобильную операционку iOS 10

Apple представила крупный релиз мобильной операционной системы iOS 10. В ней значительно изменился вид сообщений благодаря добавлению стикеров и эффектов, улучшено взаимодействие с приложениями, а Карты, Фото, Apple Music и Новости представлены в новом оформлении. В приложении Home можно управлять всеми приборами домашней автоматики из единого интерфейса.

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14 июня 2016, 02:10

Apple представила мобильную операционку iOS 10

Apple представила iOS 10: масштабное обновление Сообщений, новое приложение Home, обновленные "Фото", "Музыка" и "Новости", а также открытый доступ для разработчиков к Siri и приложениям "Карты", "Телефон" и "Сообщения"

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14 июня 2016, 02:10

Apple представила мобильную операционку iOS 10

Apple представила iOS 10: масштабное обновление Сообщений, новое приложение Home, обновлённые Фото, Музыка и Новости, а также открытый доступ для разработчиков к Siri и приложениям Карты, Телефон и Сообщения

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14 июня 2016, 02:10

Apple представила мобильную операционку iOS 10

Apple представила iOS 10: масштабное обновление Сообщений, новое приложение Home, обновлённые Фото, Музыка и Новости, а также открытый доступ для разработчиков к Siri и приложениям Карты, Телефон и Сообщения

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03 декабря 2013, 11:36

Китай: Guangzhou R&F Properties приобретет земельные участки в Малайзии за $1,4 млрд

Китайская девелоперская компания Guangzhou R&F Properties приобретет шесть земельных участков в городе Джохор-Бару у королевской семьи за 4,5 млрд ринггитов ($1,4 млрд) с целью строительства жилой и коммерческой недвижимости. Сообщается, что общая площадь купленных земель составляет примерно 47 гектаров.

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02 декабря 2013, 20:08

China Developer's Shares Fall On Word Of $1.4 Bln Real Estate Project In Malaysia

Shares in Guangzhou R&F Properties, a developer controlled by mainland billionaire Zhang Li and Hong Kong billionaire Li Sze Lim, fell by 1.8% in Hong Kong on Monday after the company said it plans to invest $1.4 billion in real estate in the state of Johor in Malaysia.

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02 декабря 2013, 16:04

Китай: Guangzhou R&F Properties приобретет земельные участки в Малайзии за $1,4 млрд

Китайская девелоперская компания Guangzhou R&F Properties приобретет шесть земельных участков в городе Джохор-Бару у королевской семьи за 4,5 млрд ринггитов ($1,4 млрд) с целью строительства жилой и коммерческой недвижимости. Сообщается, что общая площадь купленных земель составляет примерно 47 гектаров.

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03 июля 2013, 16:54

Rich And Able To Run A Major Business In China Well, Too

It goes without saying that members of the Forbes China Rich List have a lot of money. But how many among them are still able to do a top-notch job of running a major business day-to-day in China, too?  For some ideas, I compared the membership of the Forbes China Best CEOs List released today with the 2012 Forbes China Rich List published in October last year. Here are some names from the elite group that made both lists: (Name, listed business, rich-list ranking, wealth)   -- Ma Huateng, Tencent Holdings, No. 4, $6.4 billion -- Fu Liquan, Zhejiang Dahua Technology, No. 47, $1.7 billion -- Benjamin Pan, AAC Technologies, No. 35, $2.1 billion -- Hui Lin Chit, Hengan International Group, No. 26, $2.45 billion -- Ma Xingtian, Kangmei Pharmaceutical, No. 45, $1.8 billion -- Zhang Li, R&F Properties, No. 33, $2.17 billion -- Sheng Baijiao, Belle International, No. 130, $905 million -- Xu Mingbo, Beijing SL Pharmaceutical, No. 387, $480 million -- Robin Li, Baidu, No. 2, $8.1 billion Forbes China is the licensed Chinese-language edition of Forbes. Click here for the full Forbes China Best CEOs List. Click here for the 2012 Forbes China Rich List 400 -- with Maggie Chen, Mao Yanjie and Cherish Xiong -- Follow me on Twitter @rflannerychina      

30 марта 2013, 07:12

Chinese investors set sights on Greek property

The property price slump in Greece, fueled by the ongoing financial crisis, has started to attract Chinese investment.

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30 марта 2013, 05:32

Why Negotiators Care That 2.7 Million People Turned Red for Marriage Equality

The most common conflicts among people arise from one of two sources - the division of resources (food, land, money, power) and identity. Not only people, but nations, fight as much or more about identity as they do about property.

30 марта 2013, 03:30

Guest Post: Big Government: An Unnecessary Evil That Should Be Abolished

Submitted by Brandon Smith of Alt-Market blog, There are two types of people in this world; those who worship the ideal of centralized command authority, and those who do not.  Those who value freedom regardless of risk or pain, and those who value slavery in a desperate bid to avoid risk and pain.  When I consider the ultimate folly of man, in the end I look to the meek and unquestioning masses who strive to avoid risk, because it is they who always end up feeding the machines of war, despair, and tyranny.  The power thirsty halls of elitism surely instigate and manipulate the tides of this wretched ocean of quivering souls, but ultimately, the weak-hearted and weak minded make all terrible conquests possible.   They live by the rule of fear, and their fear drives them to seek control; control of their environment, control of others, and by extension they believe, control of the future.  They attempt to mitigate their overwhelming fear by containing the world and sterilizing it of everything wild, untamed, and unknown.  They dream of a society of pure predictability, and zero responsibility.  They are willing to sacrifice almost anything to attain this position of artificial comfort.     The concept of “big government” appeals to such people for many reasons… Government in most cases is nothing but an abstraction.  It is merely a tool that serves the interests of a particular group of people at any given time.  Modern politics is an expression of the foolish cat fight between factions of people to decide who gets to wield the weapon of government and impose their ideology on the rest of us.  At least, that’s what it almost always devolves into.  The great illusion of the system, though, is that ANY group of average people ever actually wields any power.  The truth is, big governments are always operated by very small and exclusive clubs of root beneficiaries out of the sight of the population.  The smaller this dominant group becomes, the more corrupt and criminal the government generally is.  A government reaches a state of despotism whenever its functions are twisted for the sake of an elite few to the detriment of the common man, and when it ignores the natural inborn rights of the individual for the sake of some fabricated collective .  If one were to closely examine the birth of every iron-fisted oligarchy throughout history, they would find a cyclical pattern of centralization; the removal of checks and balances, the removal of legitimate public involvement in the political process, a dependent and infantized citizenry, and the rise of a “bureaucratic class” which regards itself as superior and born to lead.  All steps taking place within Western societies today.   Unfortunately, the masses tend to view big government as an inevitability of life; as a natural extension of culture.  Rarely if ever do they ask what tangible purpose it serves.  Are they really getting what they want out of their government?  Or, is the government taking what it wants from them? I have always found the worshipful attitude that some citizens ascribe to government simultaneously fascinating and disturbing, because these people are not bowing down to a wise and benevolent entity.  Rather, they are bowing down to their own delusions of what they believe that entity to be.  The most dangerous and insidious of governments present themselves as a kind of social vanity mirror.  They allow the citizenry to project their collective desires, biases, shortcomings, and fears, and reflect back an image that entices and placates the majority.  The lies and manipulations of big government are designed to satiate our basest fantasies, but what we see as a concrete edifice of political and legal might, in the end, is a mirage mired in the fog of our own naïve expectations.  So, the question again arises; if the structure of big government is built upon deceit and misrepresentation, what tangible purpose does it really serve? The answer is no purpose…at least, no purpose that elevates and enriches the public at large. Big government is not a “necessary evil”.  It is just evil.  Like the ring of Sauron, it lures in the weak with promises of power, but this power is a ruse.  Each side of our false left/right paradigm, Democrat and Republican, thinks that if only THEY were the bearers of the ring they would “finally use it for good”.  But once in their possession, they are overtaken, overwhelmed, and corrupted by personal temptation.  The Democratic Party, with all of its proclamations of humanism and respect for civil liberties, is a perfect example.  How quickly did the rank and file Democrats turn away from their anti-war, anti-torture, anti-banker, anti-surveillance, anti-tyranny stance once Barack Obama, a self proclaimed Democrat, was placed in office?  Very quickly!      And what about the common Republican?  How many of them utterly abandoned their ideals of limited government, reduced spending, Constitutional rights, and Christian understanding as soon as Bush and the Neo-Con regime was installed?  Most of them! And when all is said and done, who has reaped profits and gained dominance during both disastrous administrations?  The corporate high priests and international banking cartels, not the oblivious participants of the fake political theater.  Yet, a masochistic cycle of misplaced trust in the system on the part of the masses continues...  If these latest signs of big government corruption aren’t enough to make the public question the validity of the establishment, I’m not sure what will… The Rape Of Cyprus Even in the face of unmitigated government theft, I still hear the occasional rationalization of the Cyprus debacle.  Defenders of the bailout measures (which the EU demanded) allowing the confiscation of private citizen savings to pay off government mismanaged debt, argue two things: 1) The banks that were targeted contained “Russian blood money” and hidden funds, so confiscation really amounted to a “punishment of rich criminals” rather than the Cyprus public.  2) It is “better” that the citizens go along with the confiscation of a percentage of their accounts, rather than lose everything through collapse.  Just to be clear, any sizable Russian funds being stored in Cyprus were removed before the bailout measures were instituted.  Therefore, the assertion that such people were “punished” is a lie and a distraction.  The Russian scapegoat was merely being promoted by global financiers and political elites in order to con people around the world (not just those in Cyprus) to accept the concept of government theft of private funds as being “moral” under “certain extraneous circumstances”.  When a government wants you to set aside your conscience in support of an immoral action that serves their interests, they will almost always conjure a false villain and engineered consequences for you to direct your fear and anger at.  Once they can convince you to abandon your own principles to smite an imaginary enemy or avoid a manufactured threat, even if only one time, it will be much easier for them to convince you again a second time.  Large and corrupt governments love to use the magic of the false choice.  For instance, “…it is better to sacrifice some of your money and your principles to the establishment than it is to live through total collapse of the nation…”  This false choice process, though, never ends.  The offending government will demand more property and more freedom from the citizenry everyday while constantly warning that if we do not submit, the alternative will be “far worse”. The truth is, Cyprus is not the issue.  What the disaster in Cyprus reflects, however, concerns us all.  It is a moment of precedence; an action which sets the stage for the final destruction of the idea of private property.  It dissolves one of the final barriers to total government control.  Governments and elitists have always stolen from the public through misspent taxation and rampant inflation, but with Cyprus, we see a renewed feudalistic paradigm.  The EU and the banking hierarchy are sending a message to the Western world:  You are now their personal emergency fund, and nothing you own is actually yours anymore.  When an institution confiscates property and capital at will from a subdued and frightened populace without consent, they are essentially exploiting the labor of that populace.  In any culture or language, this is called “slavery”. Private Corporations Openly Dictating The Law As most in the Liberty Movement know, the seeds of Fascism germinate in the soil where the corporate world meets the political world.  This is one of the primary reasons why we will stop at nothing to eliminate entities like the Federal Reserve; a privately run banking cartel that mingles with government yet answers to no one, including Congress or the people.  The Fed has existed since 1913, and has dominated the value and circulation of our currency ever since.  However, today, they are taking on new powers… As a part of the recent bailout bonanza and the legislation surrounding it, the Fed has begun writing operational policy for other private banking institutions: http://www.reuters.com/article/2013/03/26/us-citigroup-moneylaundering-idUSBRE92P0OO20130326 The transition has been subtle but the implications are dangerous.  The Fed is becoming a regulatory body with expanding influence outside of the electoral process.  It is preparing the ground for other private central banks to become fully unaccountable governing structures.  Right now, they are limited to the banking sector, but eventually, this dynamic will poison every aspect of the financial world until every economic decision will be made without any oversight from the public.  Moving in a slightly different direction, the Federal Government is beginning to establish law which removes the ability of the public to have any means of redress against particular corporations.  The ‘Monsanto Protection Act’ hidden within the pages of the HR 933 spending bill creates special circumstances that protect the GMO producer from litigation and public examination over the dangerous genetic products it markets.  This legislation, in essence, builds a coalition between Monsanto and the government, and even allows Monsanto in some cases to dictate what the government can and cannot do when dealing with GMO’s.  The Obama Administration’s support of this bill should be a shock to any environmentally inclined Democrat, and any Democrat who is still willing to defend Obama after learning of this legislation, in my opinion, is a lost cause.  This move on the part of our government is striking because of its open criminality.  It shows that we have entered a new stage of the totalitarian process; one that will invariably lead us to catastrophe. Legislation By Special Interest Group In the halls of big government, politicians do not produce major legislation.  Rather, bureaucrats and think tanks fashion policy while elected officials serve as mouthpieces and middlemen. How often do we discover after the passage of particularly nefarious pieces of legislation that the politicians who voted for them NEVER read the bills themselves? This past week, sources within NY governor Andrew Cuomo’s administration claimed that he didn’t actually read the NY Safe Act before championing it, and blamed the vast mistakes and unconstitutional oversteps of the bill on Mayor Bloomberg and the Brady Center. http://www.nypost.com/p/news/local/gov_faking_care_of_business_execs_9uIcEq5lJPk96ayylaRAGL Now, I do not believe that Cuomo was not aware of the implications of the Safe Act, even if he didn’t read the bill.  But I do believe that the bill was drafted purely by special interest groups like the Brady Center without any oversight from actual state legislators, who then passed it overnight without a second thought.  In a big government system, legislative wrangling is non-stop.  A bureaucracy thrives on the endless introduction of new laws and new restrictions, and so it makes perfect sense that political representatives, who now act merely as mascots, never have the time to read all the paperwork.  Why would they read it, when they are no longer making decisions on such policies anyway?  All they have to do is vote how they are told to vote by their handlers, and trust that they will be protected by the establishment from public anger.  Legislation by proxy is rampant in our government today, and it begs us to consider this - If our government has become so oversized and complex that our elected leaders can no longer oversee the actual writing of legislation and must use private think tanks to write it for them, perhaps we should cut the system down until their work load is manageable.  The alternative is a legal and political structure that is engineered entirely by obscure interest groups with an agenda, and this is highly unacceptable. Complete Disregard For Individual Rights In the evolution of big government, there comes a point at which the oligarchy has attained enough power that it feels safe in admitting its true intentions.  Usually, this is done in the name of the “greater good”.  Sometimes, they don’t even try to sugar coat it.  This past week, NY Mayor Michael Bloomberg in an unguarded moment stated the underlying philosophy behind the impositions of government control over the people.  When questioned about the Constitutionality of the growing drone surveillance grid in American skies, Bloomberg had this to say: “Everybody wants their privacy, but I don’t know how you’re going to maintain it.  It’s just we’re going into a different world, uncharted, and, like it or not, what people can do, what governments can do, is different. And you can to some extent control, but you can’t keep the tides from coming in.” “The argument against using automation, it’s this craziness– oh, it’s Big Brother. Get used to it.” http://www.nydailynews.com/new-york/bloomberg-new-york-eventually-surveillance-city-article-1.1296103 And there you have it.  The new age (for Bloomberg and big government elites like him) is a place in which government is separate and above the people.  The government does not exist to serve the citizenry; the citizenry exists to serve the government.  Privacy is a privilege that governments can take anytime they wish.  Citizens, being slaves, should not expect such privileges.  And, this subjugated nightmare world is a place that we must accept as a natural extension of progress.  Big Brother is the future, so grow up and “get used to it”… I will not be “getting used to it”, and neither will millions of Americans like me.  We'll tear the whole monstrosity down first.               Institutions of law and order are supposed to reflect the highest inherent principles of humanity and defend those principles regardless of the nature of the times.  Honor and conscience do not suddenly become obsolete simply because danger looms, or catastrophe strikes. Big government bastardizes the original intent of the founders, who formed a small subservient central federal structure to fulfill one purpose – as a protector of the natural freedoms of the population.  The federal system was never meant to have any domestic power beyond this task, nor should it.  Today, as we have shown over and over again, the centralized political behemoth we live under is absolutely unnecessary and completely destructive to the freedom and prosperity of the culture it was originally tasked to defend.  It can and must be dissolved, and it is time for average Americans to deeply and seriously ponder this option rather than ignorantly assume that because it exists, it should exist.  Otherwise, like a weaponized cancer, it will devour what is left of the healthy fabric of our society and destroy whatever good remains within us.

30 марта 2013, 03:29

Report: Slow to Foreclose in Ireland

An interesting article in the NY Times: Irish Legacy of Leniency on Mortgages Nears an End Although there are more than 143,000 delinquent home mortgages in Ireland, foreclosures have been so politically and legally difficult that, in the last three months of last year, they numbered 38. To put this in perspective, in the US there are about 5.1 million delinquent mortgages (from 30 days to in-foreclosure), and there were probably several hundred thousand foreclosures and short sales last quarter (Fannie and Freddie alone foreclosed on 60,000 properties last quarter). I'd expect thousand of foreclosure per quarter in Ireland, not 38. In Ireland at the end of last December, nearly 95,000 mortgage accounts on private homes were delinquent more than 90 days ... By international standards, Ireland has been slow to act on the problem. An analysis last year by Davy Research, part of a company that provides stock brokerage, wealth management and financial advisory services, estimated a 54 percent peak-to-trough drop in house prices and unemployment of 14 percent. That was approximately parallel to one of the worst-hit real estate markets in the United States — the state of Nevada — where housing prices declined by more than 55 percent and unemployment hit 14 percent. But in Nevada, Davy found, the peak rate of delinquent mortgages hit 9.3 percent in the fourth quarter of 2009. “The current Irish arrears rate of 10.2 percent and rising is now well above peak rates in comparable United States housing busts,” the report said. “A key difference between the U.S. and Ireland is the number of foreclosures” — 10 times higher in Nevada, the report said. And now Nevada is recovering quickly. Thee unemployment rate in Nevada has fallen from 14.0% in late 2010, to 12.1% in August 2012, to 9.6% in February 2013. Of course Ireland has additional problems - being tied to the euro - but clearing out the delinquent mortgages is part of the process (modifications and short sales are alternatives to foreclosure).

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30 марта 2013, 01:12

BLOOMBERG: Swiss Re Settles Contract Dispute With Berkshire Hathaway

Carolyn Bandel - Mar 28, 2013 9:58 PM GMT+1300 Swiss Re Ltd. (SREN), the world’s second- biggest reinsurer, expects to post a first-quarter gain of about $100 million after settling a dispute over a so-called retrocession deal with Warren Buffett’s Berkshire Hathaway Inc. (BRK/A) Swiss Re will take back some of the risks covered by the closed block of U.S. life reinsurance and in return will receive a payment of $610 million from Berkshire Hathaway, the Zurich- based company said today in an e-mailed statement. Enlarge image The Swiss Re building, also known as the "Gherkin", center, stands alongside buildings in the city of London. Photographer: Simon Dawson/Bloomberg Berkshire Hathaway will reduce the reinsurance protection it provides to Swiss Re for the retrocession deal to $1.05 billion from the $1.5 billion the Omaha, Nebraska-based company agreed to take on in January 2010. Berkshire Hathaway had alleged damages of between $500 million and $1 billion after the contract resulted in a 2011 pretax underwriting loss of $642 million as assumptions about mortality rates were exceeded. “The settlement of the dispute with Berkshire Hathaway and the advantageous outcome for Swiss Re” are positive, said Georg Marti, a Zurich-based analyst with Zuercher Kantonalbank who has a market weight rating on the stock. Swiss Re rose as much as 0.7 percent in Zurich trading and was up 0.5 percent to 77.60 Swiss francs at 9:26 a.m., valuing the company at 28.8 billion francs ($30.2 billion). The stock has gained 18 percent this year. Producing Losses “Prior to recapture, the treaties have been producing losses,” Swiss Re said in the statement. “There is no assurance that the payments received from Berkshire Hathaway will be sufficient to cover future losses.” The retrocession contract was one of a number of deals between Swiss Re and Berkshire Hathaway over the past five years. Buffett’s firm injected 3 billion francs of capital into Swiss Re in February 2009 after record losses at the reinsurer. Swiss Re repaid the funds in November 2010. Berkshire Hathaway also bought about 3 percent of Swiss Re in 2008, when it signed a quota share agreement that gave the U.S. firm 20 percent of the reinsurer’s new or renewed property and casualty business. That contract ended in December. Discuss this topic @ Share Investor Forum - Register free Read the full transcript of the October 24 2012 Squawk Box Interview with Warren BuffettDownload the 2010 Berkshire Hathaway Annual ReportDownload the 1977 - 2011 Warren Buffett Letter's to Berkshire Hathaway ShareholdersWarren Buffett @ Amazon Tap Dancing to Work: Warren Buffett on Practically Everything, 1966-2012: A Fortune Magazine Book by Carol J. LoomisBuy new: $16.66 / Used from: $11.95Usually ships in 24 hoursWarren Buffett's 3 Favorite Books: A guide to The Intelligent Investor, Security Analysis, and The Wealth of Nations by Preston George PyshBuy new: $12.99 / Used from: $16.04

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29 марта 2013, 23:00

'Is 'Intellectual Property' a Misnomer?'

Tim Taylor: Is "Intellectual Property" a Misnomer?, by Tim Taylor: The terminology of "intellectual property" goes back to the eighteenth century. But some modern critics of how the patent and copyright law have evolved have come to view the term...

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29 марта 2013, 21:09

Arizona Lawmakers Advance Bill Allowing Gold and Silver as Money; Bureaucratic Nightmare?

I have encouraging news in the state of Arizona where lawmakers back gold, silver as currency. The measure is Arizona's latest jab at the federal government, which prohibits states from minting their own money. It also reflects a growing distrust of government-backed money. The bill, which advanced in a 4-2 vote by a House committee Monday, states that gold and silver should be legal currency not subject to tax or regulation as property. The Republican-led Senate gave the bill its blessing in February in a 17-11 partisan vote. The bill would let people use the precious metals as money as long as businesses agree to take them. If made law, it would take effect in 2014. Democrats oppose the measure. They say it would be a bureaucratic nightmare because businesses don't have the equipment to determine the value of gold and silver. Bureaucratic Nightmare? Nonsense. The bill is well written and extremely well thought out. It does not force companies to accept gold or silver (nor should it), it merely allows businesses to do so if they want. Any company that does not want to deal with gold or silver will not have to. So where's the nightmare? States will not be minting their own money under such a proposal (nor should they) so there is no conflict on that part of Federal law. I commend this bill, expect Arizona lawmakers to pass it, and urge the Governor to sign it. When that happens, gold will once again be legal money. I support gold as money and believe gold is money whether or not the bill passes. There is significant reason for people to distrust government-sponsored fiat currencies backed by nothing. I made the case recently in Fraudulent Guarantees; Fictional Reserve Lending; Comparison of US to Cyprus; What About New Zealand? Here is a brief synopsis, but I encourage you to read the full article.Monetary RecapBase Money Supply: $2.9 Trillion M1: 2.4 Trillion M2: 10.4 Trillion Total Credit Market Debt Owed: $56.3 trillion One Giant Ponzi Scheme Clearly far more money has been lent than exists. How can it possibly be paid back? If it can't be paid back, how good is a government guarantee on deposits? In 2010 Bernanke proposed ending reserve requirements completely, but long-time Mish readers understand what Bernanke proposed is the de facto state of affairs already. (see the above link for an explanation). Five Key Points In a Fractional Reserve Lending scheme, the notion there are meaningful reserves is ridiculous. Far more money has been lent out than really exists (the rest is a fictional accounting entry). Fractional reserve lending constitutes fraud (just as lending something you do not own is fraud). There is no way for all this money to be paid back (so it won't be). The Reserve Bank of New Zealand has the most sensible policy on deposit insurance of all the world's central banks. (NZ offers no deposit insurance). See my article for a full explanation. In the sake of full disclosure, I own gold, silver, platinum, as well as shares in various mining corporations. Mike "Mish" Shedlock http://globaleconomicanalysis.blogspot.comMike "Mish" Shedlock is a registered investment advisor representative for SitkaPacific Capital Management. Sitka Pacific is an asset management firm whose goal is strong performance and low volatility, regardless of market direction. Visit http://www.sitkapacific.com/account_management.html to learn more about wealth management and capital preservation strategies of Sitka Pacific.

29 марта 2013, 20:11

Ilana Greene: Five Ways Investing in Real Estate Can Save You Money

According to Brad Hettich, President and CEO of Commercial Lending X, there are several ways to save money fast, but chief among them is investing in real estate. "You should dip into your savings or take out a loan that you can repay, and always invest long-term," explains Hettich. "Real estate is a great example of that." Brad's logic is that with so many available properties that accommodate any budget, real estate is among the most effective ways to save money. However, it is vital that if you cannot purchase property in cash, that you find a lender that specializes in your financial needs and price range. "With a stable income and a set amount of income put aside every month, you have the advantage of not only determining your own budget, but in deciding how much you want to pay for property," explained Hettich. Companies like Commercial Lending X work directly with local banks that were burned in the mortgage crisis, making it easier for them to provide both commercial and residential loans to consumers. "Because we work with both consumers and banks, we stress five reasons why real estate investment will save you money in the long run," Hettich explained. "Lower taxes, positive cash flow, use leverage, equity growth, and the benefits of inflation." 1. Lower Taxes There are several tax incentives for real estate investors, with deductions for property that can often be used to offset wage income. These tax breaks for real estate investment often allow property owners to turn a loss into a profit from all the money they save from deductions. These deductions can include any actual costs involved in financing, managing and operating the property, to include maintenance, repairs, property management fees, travel, advertising, and utilities. However, other great ways to save money on tax rates include government-instrumented deductions: Depreciation: Property depreciates in value over time, enabling you to deduct some of the home's costs. Interest: All mortgage payment interest is deductible. Insurance: Premiums for any type of insurance are deductible.2. Positive Cash Flow When it comes to real estate investment, there are two ways to save money: pre-tax and after-tax positive cash flow. A pre-tax positive cash flow is when income received is greater than expenses, and an after-tax positive cash flow is when your expenses are more than your collected income, but the tax breaks bring you back in the black. Either way, real estate investment, if budgeted properly, can save you money and earn a nice profit along the way. 3. Use Leverage According to Hettich, "Never spend a dime on your real estate investment unless you have to, because the only way to make money is to have money." Leverage is an important aspect of saving money through real estate investment because a real estate investor uses leverage to increase their assets without spending their own money. "Using your leverage to gain a large amount of equity is the difference between the actual worth of the property and the balanced owed on the mortgage." Companies like Brad's help real estate investors secure loans where they can use the bank's money to purchase property and increase its equity without spending a dime of their own money. "Our goal is the same as any real estate investor: create value with as little expense as possible." 4. Equity Growth The best way to save money, and earn money, is to build up equity for real estate investments. That way, with high equity you are able to save on your mortgage while earning a nice chunk of profit. As Hettich puts it, "Don't be afraid to sell and invest in something new once you've reached your equity goal. Just as long as you have the financial leeway to do it." 5. The Benefits of Inflation When investing in real estate, a great way to identify potential savings is by researching the inflation rates for the area. "As commodities increase in value, so does the price of your home," Hettich explained, "which means that over time you reduce the amount you have to spend to maintain the property." Generally speaking, inflation can help you save money on your real estate investment because as rent increases, your mortgage costs will remain static, which means you will save money on maintenance costs with the increased cash flow from the rent. Ultimately though, despite the fact that these are five great ways to save money through real estate investment, they do come with their risks as well. According to Hettich, "Any time you convert cash into an asset, it becomes more difficult to get your money back. But that's the risk you take in investing because not only can you save for retirement with a regular cash flow, the reduced taxes will ensure its long-term viability to save you money."