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Thursday, September 6, 2007
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   Thursday, September 6, 2007

Become a Property Developer with Little Capital
Become a Property Developer with Little Capital
A property developer makes improvements of some kind to property, builds on land and thereby increasing its value. The developer may be an individual, but is more often a partnership, a Limited Company or a Public Limited Company.
There are two major categories of property development activity: land development and building development (also known as project development) the later being the most popular with the smaller developer.
Land developers typically acquire raw land (i.e real property with no improvements or infratucture) and improve it with utility connections, roads, etc. Building developers acquire raw land, improved land, and/or redevelopable property in order to construct building projects. The buildings are then sold entirely or in part to others, usually for a significant profit.
This is all well and good but how does the small property developer get started?
Small projects, terraced properties, shops, small offices, buying property in auction, these are all areas that the small property developer can consider. There is an old saying that goes, "you should start in the area that you know best." The reasoning behind this is obvious, as the area will be known, prices will be easier to determine and profits can be readily calculated.
Cashflow is king for the property developer as capital should be available for the initial purchase, as well as the cost of improvements, purchase costs and sale costs.
Buying a Small Terraced House for Profit
Lets look at the classic case of buying a small terraced property with potential. The fees for the purchase will be as follows:-
· Initial Purchase Costs - £75,000
· Initial Surveyors Fees - £200
· Purchase Solicitors Fees - £400
· Improvement Costs - £3,000
· Cost of Sale (Estate Agent) - £800
· Solicitors Fee (Sale) - £300
Total Cost - £79700
On the assumption that the property can be sold for around £90,000 - £95,000, the property developer could make a tidy net profit of between £10,300 - £15,300 and depending on the timeframe from purchase to sale, this could be the equivalent to earning of around £50,000 to £60,000 per year.
All this is well and good if you have the capital to be able to buy the property for cash but what if you haven't. Well, let's assume in this case that the property developer can only lay his hands on £25,000 as a maximum. This is how this could work: -
· Initial Purchase Costs - £75,000
· Initial Surveyors Fees - £200
· Purchase Solicitors Fees - £400
· Improvement Costs - £3,000
· Cost of Sale (Estate Agent) - £800
· Solicitors Fee (Sale) - £300
Total Cost - £79700
Less the cost of borrowing
£56,250 for say 3 months - £2,109
Less extra Solicitors Fees - £500
Loan Arrangement Fees - £1,125
Total extra cost of borrowing - £3,734
Based on the assumption that the property developer was borrowing 75% of the property value for a three month period would reduce the profit margin to a net profit of between £6566 - £11,566.
This hypothetical situation shows that ideally the property developer is better off financing the scheme from their own funds but as well as this profits can still be earned even though the majority of the money is borrowed.
The author has been in the UK Financial Services Industry for more than 20 years and has worked on both small and large projects with clients in many parts of the UK. Follow the link property developer for further information.


VOIP Brings People Together
VOIP Brings People Together

Summary: Recently my family discovered VOIP and it has entirely changed the way we think about phones and communication.

Recently I came home from work and found my Father as giddy as a toddler with a new toy. My brother had recently moved to the country of Georgia (no, not Atlanta, this one is next to Russia) and due to the distance, communication with him had been somewhat limited. What was the reason for his visible delight? He had discovered VOIP; a cheap new technology which utilizes the internet to bridge long distance communication gaps or connect businesses on a smaller, area network. As a result of this fabulous new technology, it would no longer cost our family a small fortune to talk to distant relations
What is VOIP?
VOIP stands for Voice Over Internet Protocol, which means that phone conversations can be routed over the internet instead of through traditional phone lines to either a computer or phone. The real beauty of cheap VOIP is that it can be used anywhere and as long as you have an internet connection. If you have access to the internet in an internet café in the middle of Australia, than you can call anyone for cheap.
Another cool perk is that your VOIP phone can go with you. Anywhere. For example, if you live in Kansas, but decide to travel through Russia, others can still call you as long as you have your VOIP phone with you. It works like a satellite cell phone, but without the astronomical cost.
Is it really Cheaper?
Because VOIP is all done over the internet, it cuts out the phone lines and expensive networks that other phones require. By bypassing cellphone towers and telephone lines, and using cheap internet access, you eliminate the middle man and the distance in between you and the person you are talking to. As a result, if you are calling Russia, where the phone lines tend to be crowded and your connection is crackly and patchy at best, in using the internet, you avoid all those problems. Even more important is that this new technology does not have exorbitant prices attached; it is generally much cheaper than regular telephones.
Not just for Long-distance
VOIP is not just handy for long distance talking, but can be used on any IP system. This means that if you have a local area network in an office or at home, you can have an internal phone system. This is especially helpful for businesses where it is inefficient to have multiple phone lines, but employees need access to each other and an outside line. In recent years certain phone companies have started to specialize in VOIP phones and the small business phone system especially for businesses that feature auto attendant, a business voicemail system, and all the benefits of VOIP.
What are the Drawbacks?
While VOIP is cheaper and generally more reliable than other forms of communication, there are several drawbacks. For example, if your internet is down, with VOIP your phone is too. Power outages, hurricanes, and computer viruses are sure to limit your communications. On the other hand though, most the time when your power is out, your traditional telephone will also be down, so that is a risk it is probably worth taking.
Ever since we have installed our VOIP phones, our telephone bill has been dramatically increased and my parents are happy, because they get to talk to brother whenever they want. It helps Mom feel like her son is not so far away. But isn't that what the internet has been doing over the past decade? It brings people together. And VOIP is just another way of doing that.
Annie Small loves to travel and works for an internet marketing company. For more information on cheap VOIP, check out Simpliphones.


The Pros and Cons of Business Card Templates
While most businesses prefer to spend money to get a great product, other companies just don't have the funds to do so. Fortunately, with so many business card template websites becoming popular, it can be extremely easy to find free and professional custom business cards. However, with any situation, there are pros and cons. Below are a list of what to expect from business card templates.
For most small agencies, using business card templates is a wonderful tool to easily make custom business cards. After all, we rarely have the time or budget to spend hours creating something that has never been done before. This way you are able to design something professional and then worry about business card printing later. It is great for any firm who needs networking cards immediately, without having to shell out hundreds.
Most businesses love the fact that a majority of business card templates are actually free. This means less money to spend on these networking tools, and more money to focus on other aspects of the company. By using such templates, employees can worry about other assignments at the same time. It is a convenient way to do two things at once, without having to spend most of your time dedicated to business card printing or designing. It is also extremely useful when employees do not have a creative touch. For instance, if they know close to nothing about designing a business card and just cannot make it look professional, business card templates will give it a specialized look. This will not only impress your clients, but it will make your company look more professional and detailed.
Although these business card templates are great for just starting out firms and computer illiterate employees, there are also cons. Many businesses feel that there is a lack of originality, since most companies are frequently using the same business card templates. With hundreds of companies giving out network cards which all have the same look, it can get discouraging and a bit exasperating. The last thing a potential client wants to see is a half assed job. After all, your custom business card says a lot about how you work and your company's overall tone. If you were to have a simple layout – one that dozens of other companies have used, then you may not get a great reaction from your potential client. Most companies who want to work with one another expect originality and creativeness.
Although business card templates may change a person's view, most companies can benefit from them. If you are just starting out, and need all of the money you can get, the last thing you want to do is use it on custom business cards. Therefore, it is important to use business card templates in the beginning stages of your company. These templates provide you with an elegant and professional look, even if other companies do have the same layout. Luckily, with hundreds of business template websites on the internet, you can find a layout that hasn't been overdone.