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Like all other things, planning plays a key role for a successful and happy traveling experience. Here are some important travel tips that could help you plan and enjoy your holidays. Travel tips such as Air travel tips, cheap airfare tips, travel insurance tips, and travel packing tips would save you from hassles of being caught off guard during travel.The following paragraphs outline various travel planning tips, travel-packing tips, safety travel tips and other useful tips that could help you in planning a memorable holiday and travel plan.Travel Tips for Planning Destination Various travel guides list many destinations depending on your taste and purpose. While adventurous people would like to go for hiking, jungle trips or river rafting, couples would like to select romantic destinations. Also, confirm the climatic and weather conditions so that you can have proper clothing to enjoy the holiday. Having right international travel tips and outline of the possible expenses in the destination would help you in managing travel within your budget.Free Travel TipsFree travel tips, yeah it is true. Search local magazines or websites to find various free travel tips and free holiday travel offers. You can find many travel offers packaged with the purchase of some consumer electronic items or other household goods. Some good but not-so-popular destinations also offer down to earth packages for a fun filled vacation.Free Airfare Tips Some hotels and resorts provide free airfare if you book rooms in their hotels. Budget plays a vital role in your travel. Since traveling expenses usually exceed the budget, so keep some space in your budget for exigencies. In foreign trips, always carry more than enough cash because cash is the only means of survival. With no friends and relatives, cash will take care of all emergencies. There are certain situations wherein your credit card would be of no use and you will need cash to take care of certain expenses.Travel Tips for Planning Your Baggage and DocumentsTravel planning is not just about planning the destination, mode of travel and the best possible resorts. You have to take care of proper documents and packing to enjoy a fun filled holiday and hassle free traveling. Here are some important travel documents tips and packing tips to help you plan a fun filled and hassle free vacation. Travel documents tipsThe most important travel planning and travel documents tips is to keep ready all documents before going on a vacation outside the US or even within the country. For foreign trips, Passport, Visa, Driving License and Insurance coverage are the most important documents that you need to carry along with you. While you may have your passport ready in hand, you will have to apply for a Visa for the destination country. Apply for the visa well in time to avoid last minute jitters.Travel packing tipsTravel Packing tips is necessary to keep you happy and hassle free during your travel. Keep your luggage handy and well organized according to the requirements. Pack your luggage according to weather conditions of the visiting destination. An extra luggage often becomes a liability. For certain items, it is cheaper to use and throw them in the destination itself rather than carrying an extra baggage for them.Home safety travel tipsDo not forget to ensure the safety of your home, car, and other properties such as garden while you are traveling. You could seek help from some friend or security services to keep vigil on your home.

A good way of picking up a property bargain is for landlords to buy at a property auction, but what do investors need to be aware of?The sun has come out this week and with rental demand booming many landlords thoughts are turning to plans of expansion. The figures out this week suggest that property prices may have at last stabilised and could even be about to start on an upward trajectory.The latest residential property auction by Allsop in London on the 29th March has 54 distressed lots. This suggests there are plenty of potential property bargains out there.Finance has been a real problem following the credit crunch in 2008. However, availability in the BTL mortgage market has slowly been improving making further purchases by landlords a realistic option.Financing a property bought at auction For landlords that aren’t in the fortunate position of being a cash buyer they will need some kind of development or bridging finance to buy a property at auction. According to David Sampson of Property Hawk Mortgages, it is still possible to get an advance of up to 85% of the gross purchase costs on a refurbishment property depending on property type and location.Interest rates on this type of loan start from as low as 0. 7125% per month. At the end of the refurbishment period landlords will then look to replace the bridging finance with a more permanent buy-to-let mortgage. Where a landlord can add value to the property they will be able to leave the development profit in the property and effectively take all of their original equity on refinancing effectively securing them an investment property for nothing. The set up fees borne by the purchaser using bridging finance vary depending on the type of property and borrowers circumstances but generally range from 1 to 2. 5% of the loan amount.David Sampson goes on to add: “Completely non-status finance is available up to 70% of open market value from some lender on residential property, even with no personal guarantees on company borrowing!”Essential things to consider when buying at a property auctionBuying at a property auction is a completely ‘different kettle of fish’ to buying property through private treaty. There are some essential things to bear in mind. Remember at auction you are ‘swimming with the sharks’ in the sense that you are up against a room full of professional investors and developers who will often have the edge over you.However, this shouldn’t stop you having a go. Providing you have done your research on the property, and checked all your sums. I everything adds up you could easily walk away with a steal!The essential things to remember are:1. You will need to pay a 10% non-refundable deposit on the day of the auction (so make sure you have the cash in your account and that you are sure before you bid)2. Most auctions have a guide price for the property they have in their sale. Don’t pay too much attention to this. Frequently, the figure is there just to lure in ‘newbie’ punters. The guide price isn’t the same as the Reserve Price. So even if the bids are more than the guide price the property may still fail to sell because the reserve has not been met.3. There is a good reason why property ends up at auction. It’s normally where ‘wreckers’ that need full refurbishment, property with complex legal issues or distressed property end up. Beware of an attractive property that looks is if it should sold through an estate agent. There may well be a complex legal reason (such as onerous or breached covenant) that has made it unsalable in the past. Make sure you get a good solicitor who has experience at buying property at auction and get them to fully check out the property’s title fully before you enter the sale room.4. Don’t be disheartened! It really is still possible to get a bargain. The nature of a property auction is that prices will ultimately vary on depending on who is in the sale room on that day. If it’s a wet and cold Wednesday or even a fantastically sunny Friday approaching a Bank Holiday the professional investors may not to turn up. This could give you a ‘free reign’ to bag that property bargain. Equally, if it is a very small auction that has not been publicised well; then you could end up being the only bidder in the room.

Property investors all have different goals with their investing and many different influences affect their goals for investment property returns. Some investors buy a property and expect the rent payments to purchase it for them over the years, but other investors look at investing in a property in a prime location which will put them into a negative gearing situation, but they are concentrating more on the capital return they will get from owning a property in a prime position.The market has constantly moving criteria and your view of the market at any one time also affects where you might buy a property and at what price.Take the example of an investor buying a property and using the rent to pay off the property. This property will be getting some principal paid off with the mortgage repayments and in due course there will be an equity value in the property that the owner can use to purchase another property. This method of build a property portfolio is a slower way of doing it but it could well suit an investor whose personal circumstances, knowledge in the market place, financial commitments and so on require this slower strategy. At a later date their situation may well change and then their property investment business plan will probably change too.In this second situation the investor buys a prime position property and there could be several reasons why they may do this. Here are some of those reasons that may cause the investor to purchase a more expensive property:- they have the funds or equity available to use on a more expensive property- they understand that prime position property prices rise quicker than average house prices do and the benefit of this could be that they will have more money quicker, to purchase again if the market is moving up- they want to live in the property themselves in a few years time and want to buy at the lower price- they want to use the negative cash flow as a tax deduction against a high personal income- they could own some positively geared properties and can use the positive cash flow to subsidise a more valuable propertyYou can see how the two different investors would be looking for different investment property returns from the different style of investing they are doing and also that the two different price structures could require different purchasing strategies.Over the years an investor’s view to property investing will most likely change due to the circumstances at the time and that is why property business plans are so important because tabs will be kept on your changing personal circumstances, on the changes with your property and adjustments can be made after due consideration if you so wish.Some investors I know keep on buying in a certain price bracket and have accumulated 50+ properties at the lower end of the market, whereas others I know have started at that level and over time have increased the value of each property they have purchased and are now buying properties in the $900,000 to $1.2M mark. Each investor has their own property investment strategies and plans when building their property portfolio and so they should to get the best out of their property investing.

Like all other things, planning plays a key role for a successful and happy traveling experience. Here are some important travel tips that could help you plan and enjoy your holidays. Travel tips such as Air travel tips, cheap airfare tips, travel insurance tips, and travel packing tips would save you from hassles of being caught off guard during travel.The following paragraphs outline various travel planning tips, travel-packing tips, safety travel tips and other useful tips that could help you in planning a memorable holiday and travel plan.Travel Tips for Planning Destination Various travel guides list many destinations depending on your taste and purpose. While adventurous people would like to go for hiking, jungle trips or river rafting, couples would like to select romantic destinations. Also, confirm the climatic and weather conditions so that you can have proper clothing to enjoy the holiday. Having right international travel tips and outline of the possible expenses in the destination would help you in managing travel within your budget.Free Travel TipsFree travel tips, yeah it is true. Search local magazines or websites to find various free travel tips and free holiday travel offers. You can find many travel offers packaged with the purchase of some consumer electronic items or other household goods. Some good but not-so-popular destinations also offer down to earth packages for a fun filled vacation.Free Airfare Tips Some hotels and resorts provide free airfare if you book rooms in their hotels. Budget plays a vital role in your travel. Since traveling expenses usually exceed the budget, so keep some space in your budget for exigencies. In foreign trips, always carry more than enough cash because cash is the only means of survival. With no friends and relatives, cash will take care of all emergencies. There are certain situations wherein your credit card would be of no use and you will need cash to take care of certain expenses.Travel Tips for Planning Your Baggage and DocumentsTravel planning is not just about planning the destination, mode of travel and the best possible resorts. You have to take care of proper documents and packing to enjoy a fun filled holiday and hassle free traveling. Here are some important travel documents tips and packing tips to help you plan a fun filled and hassle free vacation. Travel documents tipsThe most important travel planning and travel documents tips is to keep ready all documents before going on a vacation outside the US or even within the country. For foreign trips, Passport, Visa, Driving License and Insurance coverage are the most important documents that you need to carry along with you. While you may have your passport ready in hand, you will have to apply for a Visa for the destination country. Apply for the visa well in time to avoid last minute jitters.Travel packing tipsTravel Packing tips is necessary to keep you happy and hassle free during your travel. Keep your luggage handy and well organized according to the requirements. Pack your luggage according to weather conditions of the visiting destination. An extra luggage often becomes a liability. For certain items, it is cheaper to use and throw them in the destination itself rather than carrying an extra baggage for them.Home safety travel tipsDo not forget to ensure the safety of your home, car, and other properties such as garden while you are traveling. You could seek help from some friend or security services to keep vigil on your home.

A good way of picking up a property bargain is for landlords to buy at a property auction, but what do investors need to be aware of?The sun has come out this week and with rental demand booming many landlords thoughts are turning to plans of expansion. The figures out this week suggest that property prices may have at last stabilised and could even be about to start on an upward trajectory.The latest residential property auction by Allsop in London on the 29th March has 54 distressed lots. This suggests there are plenty of potential property bargains out there.Finance has been a real problem following the credit crunch in 2008. However, availability in the BTL mortgage market has slowly been improving making further purchases by landlords a realistic option.Financing a property bought at auction For landlords that aren’t in the fortunate position of being a cash buyer they will need some kind of development or bridging finance to buy a property at auction. According to David Sampson of Property Hawk Mortgages, it is still possible to get an advance of up to 85% of the gross purchase costs on a refurbishment property depending on property type and location.Interest rates on this type of loan start from as low as 0. 7125% per month. At the end of the refurbishment period landlords will then look to replace the bridging finance with a more permanent buy-to-let mortgage. Where a landlord can add value to the property they will be able to leave the development profit in the property and effectively take all of their original equity on refinancing effectively securing them an investment property for nothing. The set up fees borne by the purchaser using bridging finance vary depending on the type of property and borrowers circumstances but generally range from 1 to 2. 5% of the loan amount.David Sampson goes on to add: “Completely non-status finance is available up to 70% of open market value from some lender on residential property, even with no personal guarantees on company borrowing!”Essential things to consider when buying at a property auctionBuying at a property auction is a completely ‘different kettle of fish’ to buying property through private treaty. There are some essential things to bear in mind. Remember at auction you are ‘swimming with the sharks’ in the sense that you are up against a room full of professional investors and developers who will often have the edge over you.However, this shouldn’t stop you having a go. Providing you have done your research on the property, and checked all your sums. I everything adds up you could easily walk away with a steal!The essential things to remember are:1. You will need to pay a 10% non-refundable deposit on the day of the auction (so make sure you have the cash in your account and that you are sure before you bid)2. Most auctions have a guide price for the property they have in their sale. Don’t pay too much attention to this. Frequently, the figure is there just to lure in ‘newbie’ punters. The guide price isn’t the same as the Reserve Price. So even if the bids are more than the guide price the property may still fail to sell because the reserve has not been met.3. There is a good reason why property ends up at auction. It’s normally where ‘wreckers’ that need full refurbishment, property with complex legal issues or distressed property end up. Beware of an attractive property that looks is if it should sold through an estate agent. There may well be a complex legal reason (such as onerous or breached covenant) that has made it unsalable in the past. Make sure you get a good solicitor who has experience at buying property at auction and get them to fully check out the property’s title fully before you enter the sale room.4. Don’t be disheartened! It really is still possible to get a bargain. The nature of a property auction is that prices will ultimately vary on depending on who is in the sale room on that day. If it’s a wet and cold Wednesday or even a fantastically sunny Friday approaching a Bank Holiday the professional investors may not to turn up. This could give you a ‘free reign’ to bag that property bargain. Equally, if it is a very small auction that has not been publicised well; then you could end up being the only bidder in the room.