You will be amazed at how many plants you can fit in an area that small, and at how much money you can make. Even apartment dwellers can do this! If you live in an apartment, just to get a feel for how fun and rewarding a tiny nursery can be, find somebody with a little piece of ground that they will either let you use, let you rent it, or do a joint venture with you.

Is there really a market for small plants? The market is huge, something like 4 billion dollars last year alone, and the demand is tremendous. As a small grower, you have a tremendous advantage over the larger nurseries, their overhead is very high. As a backyard grower, yours will be almost nothing.

You might be asking; “I live in a small town in a rural area, how many plants can I really sell?”

Tens of thousands if you want to. Most people don’t realize it, but large wholesale growers are the largest buyers of small plants in the country. They sell so many plants that they just can not produce them fast enough themselves, so they buy them from wherever they can find them. Just pack them up in a cardboard box and ship them anywhere you want.

I routinely buy large quantities of small plants and have them shipped thousands of miles to my house. Why do I buy plants if I know how to grow them myself? There are a lot of reasons, but one is because I am impatient and don’t like to grow Japanese Maples from seed. I can buy Japanese Maple seedlings for as little as 75 cents and all I have to do is pot them up and watch them grow.

I also buy large quantities of flowering shrubs that I would like to start propagating myself. I buy them for 50 cents, pot them up, and often sell them the next year for $4.97. But in the meantime I take cuttings from them to propagate for next year’s crop. Then I never have to buy that variety again.

Those are the same reasons that many wholesale nurseries are always looking for great deals on small plants. When they find someone like you, growing in their backyard, they are delighted because they know they can buy what they need for less money from a small backyard grower than they can if they buy from a large nursery.

It only stands to reason, your overhead is almost nothing, you don’t have to raise the price of your plants to pay for buildings, hundreds of acres of land, trucks, tractors, and dozens of employees.

How much money do you need to get started?

Almost none. All you have to do is root some cuttings, and you’re on your way! There are dozens of easy plant propagation techniques that are so easy to learn that young children can do them, and with great success I might add.

This propagation information is available to you free of charge at http://www.freeplants.com

The size of the area you need to get started is really up to you, but an area about the size of a picnic table is a start. I’m serious. I root my cuttings in flats that are about 12″ by 15″, and can get between 100 and 150 cuttings per flat. In an area about the size of a picnic table you should be able to root several thousand cuttings at a time.

And guess what? As soon as they are well rooted, they have a value and can be sold immediately! Isn’t that cool? Typically a rooted cutting is worth about 50 cents. Let’s see now, 1500 cuttings at 50 cents each, that’s $750.!!! Wow!!! The wheels should be turning now.

But you don’t have to sell 50 cent plants. You can grow them until they’re bigger and get more money for them. That’s what I do, I pot them up in small pots and they sell like crazy right from my driveway at $4.97 each.

This spring we sold over $25,000 worth of $4.97 plants right from our driveway. One of the people that bought my Backyard Nursery E-book held a sale this spring and sold $2,800 worth of plants her first weekend. She was ecstatic! Of course we also sold plants for much more than that. I used to grow Japanese Red Maples and we sold those for $45 each, and they sold like hot cakes!

This is one of the most fun and rewarding home businesses you could ever get involved in. My kids have learned work ethics, the value of a dollar, and skills that will last them a lifetime. Any time they needed a little extra money all they had to do was step out the back door and earn the money they needed.

It costs very little to get started, and the rewards can be quite high. It’s certainly not a get rich quick plan (because there is no such thing!), but plenty of people have done very well in the nursery business. All it takes is determination and hard work. You can learn it as you go along. It’s much easier than you think.

You are welcome to use this article on your website or in your newsletter as long as you reprint it as is, including the contact information at the end. Website URLs must be active links. You are welcome to use this article with an affiliate link, http://www.freeplants.com/resellers.htm

Michael J. McGroarty is the author of this article. Visit his most interesting website, http://www.freeplants.com and sign up for his excellent gardening newsletter. Article provided by http://gardening-articles.com

Author: Michael McGroarty
Article Source: EzineArticles.com
Digital economy, mobile technology

The answer is always, yes. In today’s market there is loads of inventory. There are however a limited number of loan programs, and the ones that are available have stricter guidelines and qualifications. BUT people are still buying.

How Do You Profit?

There are plenty of strategies (or recipes as I call them) to win. One that you can use is “buying, fixing, and re-selling”. Remember this is but one-way to win. The first thing to realize about real estate is there is always a current value. Unless we are speculating, the current value is the value. NOT what the home was worth last year, or what it might be worth next year.

If you are buying at a discount on the current value then you have potential to win, period. It’s like gas prices; we remember what it once cost. But the reality is we buy gas at today’s price. You must treat real estate investment the same way. What is this house worth today?

Using a local agent to establish value – and even an appraiser – will help you understand the values in your investment market, the average time on market, and the median house price.

• AVERAGE TIME ON MARKET will tell you how long it takes to sell a house in your market, and even better, for the neighborhood of the house you are buying.
• MEDIAN HOUSE PRICE tells you what the average price is for a house in your area. You want to know this number because if you buy a house lower than or near this median you will have a higher number of potential buyers.

In other words, take the statistics of wealth in general; there are many more people with ordinary jobs than there are rich and carefree. You want to follow this statistic. Don’t worry we aren’t going to get crazy about analytics here, just know we want average houses, not mansions.

Okay so where are we? You are buying average houses, under the current market value. What’s next? Here is your punch list:

• MONEY – How will you pay for this house?
• FIX IT – Who will be doing the rehab work?
• SELLING – Who will sell it?
• DISCOUNT – How much under value?

Notice I didn’t number this list. That was intentional. All the factors here tell you what you can pay for a house…

DISCOUNT – How Much Under Value?

On average we are paying no more than 75 cents for a house. What that means is if the house will sell for $100,000 we will pay no more than $75,000 AND that number must include any repairs. If the house requires $15,000 in work then we can pay no more than $60,000 for the purchase.

Understand, we have been doing this for many years. As a rookie you can quickly eat away a 25% profit. Let’s look at an example transaction:

You pay 60 cents for a house, where you budget $15k to fix it. You will have an additional 6% or ($6,000) in agents fees, another 2% in closing costs, and this does not include any holding costs; utilities, cost of money, etc.

Here it is more clearly (same end value of $100,000):

- 60% buy
- 15% in repairs
- 6% in commissions
- 2% holding costs
- 83% total
- 17% potential profit

MONEY – How Will You Pay for This House?

There are many ways to pay. You can get a bank loan on the property, but, in many cases rehabs need more work and the lending guidelines will not allow for rundown houses. You can get a loan on your current house, if you have equity. You can borrow private/hard money. And, you can likely do a combination of several. Lastly, you can use your own cash or partner with someone with cash.

Regardless, there is a cost of money. That cost is the interest rate and any loan fees, plus time. For example, a private lender will charge points – one point, equals 1%. On a loan for $75,000 one point is $750 or for a two point loan – $1500. In most cases this will be added to your loan. Meaning you will pay it when you sell the house.

The common lingo for investors and private money is “two and twelve” which means that the loan costs 2 points and 12% interest. Note: you may pay more, even six and eighteen. Shop around. Assuming you paid 2 and 12 your points are $1500 and you monthly interest is $765 monthly.

If you hold a house for a number of months time is ticking dollars:

- month 1 – $765
- month 2 – $1,530
- month 3 – $2,295
- month 4 – $3,060
- month 5 – $3,825

Which means that over five months you will pay $3,825 plus $1500 (the points) for a total cost of money of $5,325. IF you held your house for 8 months you’d spend $6,120 plus $1500 ($7,620).

Remember you had 17% potential profit ($17,000). The other variable here is unforeseen costs of repair. I just bought a house that had an overage of $2000 for roof repairs – hidden under snow. Which brings us back around to your repair work.

FIX IT – Who Will Be Doing the Rehab Work?

People come and go. Over the years I’ve had several dream teams. Your contractor is a part of your team, as is your agent, and any other person you find yourself working with again and again. Once you have all the players your job will get easier. Our focus now is on your contractor.

All you have to do is turn on the TV for a primer on how to flip houses. And you see all the clichs; yelling at contractors, contractors who don’t do good work, and contractor who charge too much, etc. There are however, a select few who get it.

You want someone fixing your houses that wants to grow with you – I assume you plan on buying more than one investment. You want a team player that not only understands how to fix houses, has a team attitude, and enough of a foundation he can eat some of his mistakes. Why? Because no matter how hard you BOTH try there will be houses like mine with a $2000 roof overage. I made the contractor share the cost. It was an item he over looked.

Your contractor is also there to look at houses before you buy, give you a cost for repair, then to DO the repairs quickly and have the home shining for you tell sell it – in the shortest time possible, tick-tock.

SELLING – Who Will Sell It?

Choosing an agent to work with is much like finding a contractor. There are people that specialize. You want an agent that works with investors when you are buying. But, you also want an agent capable of selling your house when it’s ready to go back on the market!

RECAP

• MONEY, how will you pay for this house? – You can use private/hard money lenders, bank loans, or cash. Yours or a partners.
• FIX IT, who will be doing the rehab work? – Find your team. Shop around. Ask for referrals, there ARE good contractors with great prices.
• SELLING, who will sell it? – The agent that helps you buy can also help you sell. Again, shop for an agent who works with investors.
• DISCOUNT, how much under value? – Your discount may change based on your cost of money. I would never pay more than 75 cents with repairs.

In closing, this article was not meant to give you every answer about buying real estate for profit, but rather a glimpse at how you can win today. Again this is but one recipe for buying and selling houses. You must find the one that works for you. “Can you make money in this market?” You bet!

About the Author: Robert Wayne is a philanthropist, investor, urban mystic and educator. He has spent the last decade investing in real estate and teaching financial literacy. Robert’s musings can be found at his digital highrise on the web http://DigitalHighrise.net.

Author: Robert D Wayne
Article Source: EzineArticles.com
US State tax list

Of course you will still need to have a good content even if you are blogging for money with videos. Your content should be broad enough so that you can cover lots of topics but it should also be narrow enough so that you can just focus on the relevant ones. It is also important to choose a subject that you are very knowledgeable about but it does not mean that you have to be an expert on it. You only need ample knowledge so that you will have more credible video posts and your audience will not just be viewing a blog that is empty and will not learn anything from it.

With a steady and credible blog, there is a big chance that you will have loyal audiences that will follow your posts. However, you must also make sure that your audience will be willing to spend money. Not all of your audience will spend money on something because some of them will just read a blog for entertainment. However, in order for you to generate income out of your video blogs, you need to make money and you can do so by being affiliated with networks that can help you find product offers that are related to your blog’s content. Some of these platforms are very popular for people blogging for money with videos around the world and it is up to you which of them can give you the best offer. Some of the affiliate networks are Hydra Network, NeverBlue, and ClickBank, among other things.

Blogging for money with videos is a great way to start a blog because it can give you countless money-generating opportunities that are proven effective and really incredible.

Join me in blogging for money with videos. I made over $3521.75 commissions in 2 weeks with my cash blogs. How about I build you one?

Disclaimer: The content of this article is provided for the purpose of education and illustration only. This article may be freely reprinted or distributed in its entirety in any ezine, newsletter, blog or website. The author’s name, bio and website links must remain intact and be included with every reproduction.

Author: George Tho
Article Source: EzineArticles.com
Healing food: natural way to cure cancer

Here is a free lesson on how to make a home based business, simply through the internet.

My hobbies apart from bumming around is earning money, easy money from internet selling in which I earn from commissions every minute, whatever I am doing. Actually I am planning to bum around Prague this June, why not; it will not even stop my internet business to earn money.

Yes I am an entrepreneur, an internet marketer doing all the strategies and connections possible to earn money, in the easiest way possible. Sounds good, but actually, I am not doing it alone, I am outsourcing it. That is the secret of my business. I execute perhaps at least less 8% of pure counting money, while the rest is for outsource. Believe it or not, it’s been on auto-pilot since it started. All I’m doing is harvesting real money.

Here are my free tips for you: Start an online business, learn how to build a website and advertise it! You can also try outsourcing!

Nowadays, everything is being outsourced for cheaper labor costs and much efficient outputs. It is the trend, so why can’t you? You can also outsource your advertising needs, you can subcontract for an outsource firm to advertise your website all day long. You can just sit back relax and save your energies on other activities.

Outsource Search Engine Optimization (SEO) service can give you the luxury of earning while doing nothing. They can provide powerful techniques to advertise your on different aspects of internet marketing such as article marketing, social media marketing, or by simply controlling search engines traffic, and lead it towards your site. You will not worry learning on how are you going to do it, everything is provided for you. Surely, your site will be filled with many customers that will give you commissions in each purchased product. You don’t need to check you site from time to time, this is sure money in the bank.

Let go of those stressful tasks of internet marketing, outsource!

With a leading SEO provider, you get high-quality work in SEO services such as product reviews, press releases, securing back links, bookmarking, and many more – all these in very affordable monthly package. This will guarantee a top rank on your webpage and will surely leave your site jam-packed with customers. What is very remarkable is that you don’t need to enroll in any marketing schools – you just hire someone to do the job for you!

This is the real deal on how to make money on the internet. Why spend your time working hard on those low paying jobs or challenge your luck in a lottery, when you can earn sure easy money in a flash. All you have to do is get an Outsourced SEO service, then sit back and wait as your investment grow exponentially each day all week long. Now, you can be a real big-time entrepreneur!

Dan Martin is an aggressive marketing consultant with a strong background in internet marketing. He became successful by learning the internet marketing tips from his mentors website http://www.EricsTips.com If you want to learn more about using internet marketing to improve your business just take a look at http://www.EricsTips.com where you can learn some proven business strategies which will really help you to succeed in your online business.

Author: Dan Martiin
Article Source: EzineArticles.com
Electrical Pressure Cooker Online

The more you study of it, the more you will have of it. While it is not possible to talk in detail here about how to study money or the many ways that one can make money, it is possible to grasp the direction you need to take.

The starting point is to make a study of it. Then you have to practice what you have studied. It doesn’t matter where you begin your study–whether it is learning how to manage your money, or how to invest it, or how to create an enterprise that will begin to attract more money into your life.

Then you have to get rid of any money issues that you have–any subconscious blocks about it. If you don’t have enough money, there is some way that you are resisting having more and even repelling it. Since money is such an emotionally-charged subject, most people have huge resistance to getting more. While they claim to want it, they also hold contradictory and conflicting beliefs about money. You have to get clear that you want more money.

As in most things in life, you can’t get anywhere unless you take a position. You have to take a position in relationship to money. If you are trading stocks, you have to take a position–do you want to go long or short in a given market? If you hold a job, you have to take a position on it–do you want to rise in your company or look for another opportunity? If you are an entrepreneur, you have to take a position–what do I want to sell, to whom, and for how much?

The position is a point in space and time. The ideal space is here. The ideal time is now. In other words, you have to be fully present to your opportunity here and now. When you think of the past, you have to relate the events then to where you are now. When you think of the future, you have to relate the imagined events to where you are now. Here and now, then, is your only point of power.

How do you get what you want? You have to do something. And in order to do something, you have to be something. This, then, creates what you have. If you do like a professional marketer, for example, then you will have the rewards of that profession. Similarly, if you do little or nothing, then you will have little or nothing. Your action determines your results. And your actions spring from who you are as a person. You have what your actions bring you.

Who you are is actually a highly-intelligent and capable being, and if you come from that position of personal self-acceptance, then you will learn what to do, begin doing it, and start having more of what you want. When you set your intention, you will perceive your vision in three-dimensions, and you will begin to act in ways that bring you more of what you want.

Do you see how simple it all is? Why then do people struggle with money? It is because they do not study and practice it; they do not have enough emotional clarity about money; they do not take a position in relationship to the marketplace; and, they do not believe that they are worthy, do not act, and, consequently, do not get what they want.

Saleem Rana is a psychotherapist in Denver, Colorado. Do you want to acquire the mindset and behavior of the rich, copy exactly what they are doing to achieve financial success, and stay wealthy all your life! You can find out more at [http://theempoweredsoul.com/SelfImprovementBooks/wealth.html]

Author: Saleem Rana
Article Source: EzineArticles.com
Advice on AdSense

For Gardyne there are thousands of ways to promote affiliate products, but the worst way of doing it is promoting the programs, since the important thing to do is to assess your own skills and interests, using your strengths.

He explains that he wrote and launched a newsletter. He also contributed to online forums and spent a lot of time answering emails at the beginning. Things that work for him but that have not to work for others.

For example, to earn money online he recommends to create ezine ads if you are good on that and then link them to a free report, that you divide into a series of articles in order to promote and place them on an auto responder.

But there exist other key points you have to look for before choosing an affiliate program to promote and make money online such as: a site that has a high conversion rate or looks as though it has, an excellent product that will appeal to your niche market, a high commission (40%-50%), programs that pay residual incomes or lifetime commissions.

Gardyne suggests also earn money online to try the product before promote it. He likes to study and use the products he is promoting, because if you like the product you will talk about it with more enthusiasm and your writing will show that, increasing your sales.

Despite other experts consider that is better to offer your own products by the Web to make money online, you do not need to do that to succeed online, according to Gardyne though it is an excellent idea, if you want to get ahead fast.

Article written by Hector Milla, editor of BigMoneyTeam.info, where has been published several articles pointing ways to make money on the internet at http://www.BigMoneyTeam.info plus a full list of free software with resell rights may be found at bigmoneyteam.info/free-software-resell-right.html

Thank you for using this article in your website or ezine. Keep a live link.

Author: Hector Milla
Article Source: EzineArticles.com
Canada duty

Through its AdSense program Google let you earn without the need for you to sell anything at all to anyone anywhere.

Many persons, including who is writing this article right now, are making money and receiving checks from Google month after month.

And there are many internet entrepreneurs that are generating higher incomes from participating in the AdSense program than from the direct sales of their own products or services.

All right, you are thinking that I told you something that simply has no meaning as earning money without selling.
How can it work?

The answer is simple, you are paid per click and not per sale.

The AdSense program of Google is a service that let you, and anyone else that provides some kind of content online, to become a publisher for the Pay Per Click advertising program they run.

You can see it as a triangle, where three different subjects are involved:

- Advertisers

- Google

- Publishers

The advertisers join Google PPC service (named AdWords) in order to promote their services or products to the huge audience that this giant search engine has each day.

They bid on specific keywords that are relevant to the services or products they sell and have their ads displayed on Google when searches are made for the chosen keywords.
They pay to Google for every visit to their sites that comes from this promotion, so they pay for each click.

Google then opened another service called AdSense that is an addition to AdWords.
It is a service for online publishers, and let you display on your web pages ads of the AdWords advertisers targeted to the keywords of your web pages.
It is all done automatically when you add the simple code that AdSense gives you once you are approved for their service.

Once a visitor of your sites clicks on one link of the AdSense ads that your site displays the AdWords advertiser is charged by Google for the click, or visitor that is delivered to his site, and you are credited by Google a share of that money in your AdSense account.

So you are paid for selling nothing at all, but just for the click that the AdSense ad received in one of your web pages.

Of course the Google AdWords advertisers are very interested in selling the products and services they promote paying for every visitor sent to their site, and I sincerely hope that the clicks that increase my AdSense income benefit the advertisers that pay me through Google, but this anyway is not my concern or something I have to worry when I create my sites and add the AdSense code to them.

I am more interested in creating web pages that are interesting for my visitors and provide them useful content.
I worry to provide them with explanations and links of good resources if I don’t have directly the opportunity to offer them a product or a service, and the ads displayed by Google are an addition that can be interesting and useful for them and can increase my income.

I think it seems all very simple from the above explanations.
One thing that is very important to know is that the Google AdWords program is extremely crowded and there are really a lot of keywords and key phrases with big competition and very high bids.
This means that advertisers pay a lot of money for every single click for those keywords.

Of course also AdSense publishers can earn a lot of money if they have sites related to those keywords that receive many visitors and many clicks to the Google ads.

Gian L. Ruggeri and Michael Crownley teamed up to run a site dedicated to Earn With Google. You will find useful info and resources related to AdSense, AdWords and SEO. http://EarnWithGoogle.com

Author: Gian Luigi Ruggeri
Article Source: EzineArticles.com
Excise Tax

Wealth is a state of mind. During my years of experience as an investor, I have found this one truth to stand out above all others. But the state of mind is not what you think.

Spongy ideas about the power of the mind and working your faith and belief have there place. But its not what I mean. I have discovered that all you need is to choose, when you want to make money with no money. When I say no money, I mean not more then say a few hundred dollars. Everyone has access to this much at least if they were to discover how to compound it rapidly and effectively.

Making money with no money, the thing to remember is that money is numerical in nature. If you can understand that about money, then you can see that $1 is no different then $100,000 Its just a different numerical amount of the same basic unit.

This is simple to understand and easy to implement. You could technically begin with just 5 dollars. Get your calculator out and multiply $5.00 by 1.3 (that translates to 30%) multiply it by 47 weeks. You will have over $1 million dollars in that time if you are able to compound your $5 by 30% 47 times.

So with your five dollars for example, you purchase 10 cans of soft drink from the local buy and save. (Stay with me here) You take these cans and put them in a cooler with ice. You have just added value to your investment objects. You spend half an hour hawking them for full retail price to a bunch of thirsty workers on a construction site on a hot day. You just got $1.00 per cold can. A total profit of $5.00 A 100% profit.

With that 10 dollars, you find something else to buy, ad value to it and re-sell. If you did that 47 times and bought up higher and higher cost items as your funds increased, and made sure each increase was a mere 30% then as your calculator has already told you, you will have well over 1 million dollars within the 47th compound.

Of course, you will graduate to real estate as quickly as possible because that is where the real leverage and compounding is.

It works thoroughly and easily providing you stick to the rules. I know you would enjoy the things a million dollars can buy. Your family would praise you for ever. Its only a specified number of months away.

“The pain of discipline is less than the pain of regret”
Martin Thomas

Copyright2005 Opportunity Investor.com

This article may be freely reprinted as long as there are no changes made to it and the link in the resource box is left active

Jack Reynolds was a broke Insurance salesman only 2 years ago, today he owns assets valued at several million dollars. What did Jack do in 24 short months? You can read about Jack’s remarkable and rapid transformation and download Hayden’s famous book “The Million Dollar Mentor” by clicking here

Author: Jack Reynolds
Article Source: EzineArticles.com
Import duty tariff

Stoozing, this is a sophisticated method of making money from credit cards that offer 0% introductory periods, the method requires cast iron discipline in never spending on the cards.

But, I hear you all ask – what is stoozing and can I do it?

Stoozing, in the simplest terms is borrowing money from credit cards that offer a 0% introductory deals and saving that money in a savings account for the duration of the offer on the credit card. Then, the stoozer will apply for another 0% introductory credit card deal from another provider and transfer the whole balance from the first card onto it. This way the cash balance never has to leave the savings account and can be held like this for a long period of time earning 5% + interest!

Find a 0% Credit Card suitable for stoozing [http://www.quote-engine.com/compare-credit-cards.html]

Stoozing and Offset mortgages

Offset mortgages allow your savings and current accounts to be used to lower the amount of interest you pay on your outstanding mortgage balance e.g. if you have a mortgage outstanding for £80,000 and a savings account containing £10,000 the bank will only calculate and add interest on the outstanding £70,000; effectively saving you interest by the savings amount, at the same APR as your mortgage. This APR is often equal or greater than their typical savings account. This is similar to overpaying on your mortgage or other loans except the money is not locked in, and still accessible to remove again later.

As the money residing in your other accounts is no longer earning interest, but reducing outstanding debt, it also means the savings money is also not subject to tax unlike a normal savings account. By offsetting in this way with savings, it is possible to greatly reduce the number of years that the mortgage will run for. Instead of paying off the mortgage for a typical 25 year period, with regular capital payments at the existing level, you can shave several years of the completion date. Once you have an offset mortgage, the more savings you have, the lower your mortgage interest will cost. This is where Stoozing comes in. Instead of using your own money locked away to reduce your mortgage, use the 0% balance transfers from the credit cards to put money into your linked savings account using the same Stoozing methods.

Find a 0% Credit Card suitable for stoozing [http://www.quote-engine.com/compare-credit-cards.html]

Stoozing cannot last much longer…

The situation can’t last though. Already Barclaycard and MBNA have introduced one-off charges on transferred debt, based on a percentage of the amount, and other card providers are expected to follow this strategy. Also, as the PricewaterhouseCoopers’ report notes, card issuers are likely to become increasingly selective about which customers they offer balance transfers to and there will be a much stronger focus on customer retention. They may also increase other fees, such as those imposed for exceeding credit limits.

Useful information has been brought to you by Phil Sproson, owner of http://www.quote-engine.com – a comparison engine for loans, credit cards and everything financial

Author: Philip Sproson
Article Source: EzineArticles.com
News of Solar Power and Alternative Engery

High level of control: With real estate you can do things such as write your own terms for the contract, increase the properties value, increase the rent, build, subdivide, negotiate lending terms. Although you have a high level of control with a business, it is a bit more risky. How much can you influence the price of stock? Well, not a lot unless you are within the company.

Capital gains: With real estate you can instantly create wealth and equity by buying the property at a discount. Also the property can appreciate over time. For example,

Growth is 8%. You buy a property for $125,000 with a $12,500 deposit.

First year value: $135,000

Second year value: $145,800

Third year value: $157,464

Tenth year value: $269,865:

$12,500 was turned into a gain of $144,865: over ten years! Just imagine if you had a property in an area of 10% growth!

“Yes, but the value of property can go down too!”. True the property market can go down, but if you follow the right investment strategies you wont loose money. It is that true the property market can go down. However if you never sell how will you loose money? You may loose equity at some point but the prices are bound to eventually come up again. Even if the prices are down you are still collecting the rent weekly so there should be no problem.

Cash flow::
The capital gains would be enough of a reason just to invest in real estate. But apart from your keeping your money safe, it can also provide you with a profit. Going back to the previous example,

You have an interest only loan for $112,500. Lets assume the property has a 9% yield and the interest rate is at 5%.

Rent from property per annum:$10,125

________________________________

- Interest payments per annum: $5,625

- property taxes per annum:    $1,000

- Insurance per annum: $600

- Repairs: $200

- Property manager: $1,000

Before tax profit: $1,700

Now whether you loose profit or gain profit at this point depends on where you live and the tax laws. For example in New Zealand from this point you could claim depreciation of building and chattels and make more profit after tax. You may also receive a tax break on the interest you pay on your loan. However even if you were taxed on the $1,700 you would still make money.

Insurance:: How much would it cost to insure a business? The premiums would be HUGE! On the other hand, how much does it cost to insure a property, not a lot. Even if natural disaster occurred, with the right insurance plan you wouldn’t loose money.

Demand:: Home ownership is decreasing throughout the world, therefore it is more common for people to rent properties today then ever before. This will work in your favor because if demand is increasing for rental properties, prices for rent will go up.

To sum it up using out example::
You have made a deposit of $12,500 to buy you a $125,000 asset which, is becoming more in demand, in ten years can increase to $268,865 giving you equity along with a passive income of $1,700 per year!

This article was written by John Whiteside. The original article can be found here http://www.use-your-equity.com/realestateinvesting.html . Use-Your-Equity can show you how to create value in your home, then show you how to use the newly created equity to make money. http://www.use-your-equity.com for more information.

Author: John Whiteside
Article Source: EzineArticles.com
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