What’s the Bad News for Property Investors?
September 12th, 2011 | 
Author: Knowing the good news for property investors is only half the story! Investing in property is a roller coaster ride and you need to avoid major and minor mistakes when investing in property or you could lose a lot of money rather than gain the riches property investment can bring!
Here are our top 10 ‘bad news’ stories for property investors to be aware of:-
1. The current property stock to purchase is low, so to find a great Below Market Value deal you need to search through 150 property deals, find 50 that work, and then find 10 that’ll take an offer. Of these you can usually bag one!
2. Some areas and property types with oversupply in 2010 will FALL in value, so beware what you buy!
3. Finance is tough to find, you need (and will continue to need) 25% deposit and if buying to let, rental income 130% of the mortgage costs.
4. Fees are on the rise. For example, mortgage costs are up to 4% of the property’s value and fees in the thousands of pounds. Some insurance prices are going up due to the increased number of tenant arrears.
5. Mortgage rates for new properties are likely to remain at 5-7% long term. Some investors’ portfolios won’t stack up at these rates – will yours?
6. Rental income inflation usually lags behind actual inflation and if it doesn’t keep up with your rental cost inflation, the income you receive will be worth a lot less.
7. Average yields of 4-5% for buy to let is not enough to cover you for the ‘unexpected’ in the future eg interest rate rises, oversupply of rental properties. As a result, if income is your prime investment objective, then it’s essential to ensure your rental property delivers more than the average! Some investors look for 8%, others for 10% minimums.
8. Rent arrears are on the rise from tenants being made redundant, costing some landlords thousands of pounds!
9. Local Authority Housing allowance being paid directly to tenants is causing some poor landlords to lose out to tenants sending the money somewhere else, or just spending it on themselves!
10. Population changes in the next 15-20 years WILL change the demand for property stock in the future. An ageing population that lives outside of London are highly unlikely to be that interested in small one or two bed flats that are three or more floors up!
So property investors need to wade through troubled financial waters and also now not just buy something that looks like it stacks up now, but identify when and who you will sell onto, to make a profit in the future!
Thinking about Buy to Let or already a Buy to Let investor?
Don’t do anything without purchasing one of our Buying and Renting a Buy to Let Property Packs to ensure you avoid costly mistakes with your property investments. The pack is full of comprehensive information covering all aspects of buying and running a buy to let property. Each pack also comes with a FREE Which? Book – Renting and Letting or Property Investor’s Handbook, plus full access to the Designs on Property website, and all the expert and independent help you require from the UK’s leading property experts.
Tags: Designer Replica Handbag for Your Various Fashion Needs
A designer replica handbag is definitely the best choice for a fashionable woman who doesn’t want to splurge her hard earned cash on a single branded purse. It is undeniable nowadays that being fashionable and stylish is often equated with high cost. Brands are increasingly becoming a popular way to show the world that you have attained a certain status in your life. After all designer brands are meant to communicate loftier status symbols, and those who own such branded merchandises are deemed to be more affluent and successful.
However not everyone can afford a designer handbag that costs quite a fortune and is being distributed for a limited time only! While genuine designer bags can instantly transform any look into a stylish and glamorous one, they are so steeply priced that having more than one is sure to drain any average worker’s budget. With a designer replica bag however, you are sure to find an excellently designed and replicated handbag brand and model without the huge price tag. Now, you can step up in style while carrying your favorite designer handbag without worrying over your deflating bank account.
A replicated designer handbag is certainly a smart choice. These handbags are actually made from the same materials as the original brands, and even boast of excellent craftsmanship and durability. You do not have to worry about poor quality and substandard features that ordinary cheap reproductions normally suffer from. Nevertheless, as these handbags do not incur advertising and other promotional costs, they can be sold at very reasonable and affordable prices. With the same quality and replicated design as the original ones, you are sure to gain good impression from your girlfriends and company colleagues.
Another advantage with a designer replica handbag is that you can have more than a few at very affordable expenses. With a genuine handbag that incurs thousands in cost, you simply cannot splurge on more than few due to its expensive price. You would have to keep on using the same designer handbag for years and pair this with any outfit that you have available. With replicas, you can purchase more than one, and have more freedom in styling yourself up.
Being fashionable need not to be expensive as there are chic choices available for smart and practical consumers. Certainly, nothing beats the genuine stuff, but for practicality purposes the second best always does its magic. Style and affordability combined, a designer replica handbag is surely a wise purchase decision.
ITunes Cards Get Immediate!!
Indeed, iTunes gift card available in the market, and also this card can be accessed in various ways, either from a specific site directly or from links that have been posted on the site that are reliable. But there is one thing you should note that you must carefully before buying, because with the rise of iTunes card sales so often the discovery of fake versions are not the original version and it will disappoint you.
You also have to be careful with the virus, because iTunes card must also be free from viruses, although anti-virus should always be activated. This card also has a code and called iTunes gift card codes, it may be excess of the iTunes card. ITunes card also has other advantages, which you can access or sign up to a different site. This is offered as an incentive, because by logging into several different sites, maybe you can have a great opportunity to redeem points.
There is the best way to get the iTunes gift cards, that is the way the survey was to sites that provide this iTunes card, this is done so that you get the original card. Sites that provide genuine card is not only in protecting the law, but they also do not require personal information other than your e-mail address.
Posted in BBC News