Philippine condo hotels

If you’re going to become involved in luxury real estate, including condotels, act confidently. Even if you’re new to the luxury Life Style market, act as if you’re familiar with it already. Too often, newcomers fail to do well in luxury real estate because they become overwhelmed. They go to see luxury properties and they act as if they’re overly impressed, as if they’re not used to being around luxury real estate

This is a problem when buying and selling. If you act too impressed or overwhelmed when you buy luxury real estate, including condotels, you won’t get the best deal. If you act too desperate to unload the luxury property when you sell, as if you’re afraid to hold onto it because it’s out of your league, you won’t get the best deal either. In order to succeed in luxury real estate, in order to gain the most profit out of your luxury condotel properties, you have to act comfortable with luxury, even if you’re not

Condotels can help you open the door to dealing in luxury real estate. While to best condotel properties are pricey, they still cost less than some luxury homes you might want to become involved in down the road. Financing is increasingly available for condotel properties. Condotels are located in all the best real estate markets, the places that draw tourists, businessmen, luxury buyers and investors. And condotels are a hassle-free investment, a great way to diversify your portfolio while getting started in luxury real estate

When you select the right condotel property, backed by a reputable builder, in a hotel that offers great service, you won’t have to worry about attracting the right renters and buyers. A professional hotel management will keep your condotel unit occupied with renters, with some condotel properties, one week’s rental can cover a monthly mortgage payment, and they will practically bring potential buyers to your door when you wish to sell the property. When you stay in the condotel yourself, you will become increasingly acclimated to luxury living and understand what your buyers are looking for..

If you can appreciate the long-term growth potential of the luxury market, if you’re willing to jump in and not be overwhelmed or intimidated by luxury properties, you can expand to a new level of real estate investing and develop a lucrative portfolio. The right condotel properties in the right locations can be a great way for you to become involved in luxury real estate

To get started, lean more about the demographic that is driving the luxury real estate market; visit and become familiar with luxury properties, including staying in hotels in the area, for example the Waterfront Airport Hotel in Mactan; and follow the big builders to the best condotel properties in the hottest markets, like Mactan, Cebu and Metro Manila

If you’re willing to become involved in “Life-Style” real estate, via condotel investments in the Philippines, you will have a distinct advantage over other investors that hesitate to enter the high-in-demand realm of lifestyle properties and you need look no further than investments in the Lancaster Cebu Resort Residences in Mactan, Cebu or the Lancaster Suites, Shaw Boulevard, Metro Manila

For those planning to reside in Condotels in Cebu or Manila, Pacific Concord Properties Inc Lancaster Suites owners & residents can utilize the services provided by the Condotel, such as the swimming pool and other recreational facilities, restaurant & bar, concierge, 24-Hour housekeeping and room service.

For further info please do not hesitate to contact us:

Beth Collingz

PLC International Marketing Networks

Finding secure investments

If you're trying to build a nest egg that won't crack, it's important to establish a safe and dependable investment strategy. Yet last year alone, millions of Americans lost their life savings through investments that looked safe. In some cases, people lost both their jobs and their pensions when companies failed.

So, is there a safe place to put your money? Analysts say yes, but it's important to learn a few facts first.

For instance, real estate has long been known as a secure, tangible investment because it generally appreciates over time. But most would-be investors are not real estate experts, and many of us don't have enough money to fund the purchase of an investment property-let alone to fix up a run-down home. However, there is another strategy. It's called cash flow investing and it allows people to benefit from secure and profitable real estate investments without buying or selling properties.

Put simply, a real estate cash flow note is a private mortgage created between two individuals instead of between a buyer and a bank. What many people don't know is that one in 13 American homes is sold this way. Much like banks, which buy previously created mortgages, private individuals can buy cash flow notes to build returns of 20 percent or more. Here's how it works:

Let's say I sold a house for $100,000 and my buyer had $50,000 to use as a down payment. I can draw up a contract that takes $50,000 down and finances the remaining $50,000 over 30 years. I now have a cash flow note that generates monthly payments of $299.78 each month secured by real estate.

As a note holder, I have two options. I can take advantage of the monthly income and interest, or I can sell the note to another investor for instant cash. This is where you, as an investor, come in to make money. Let's say you're an investor with $35,000 to invest. I might not be willing to wait 30 years for my money, so I'll sell you my $50,000 cash flow note for $35,000. Many investors find they can buy notes at great prices just because the original note holder wants to "cash out." Now you're receiving a steady monthly income of almost $300 and you're in a position to make a 30 percent return on your investment-even before interest.

Best of all, unlike stocks and bonds, your cash flow note investment is secured by real estate-one of the most solid investments in the world.

Stocks vs. bonds differences and risks

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In the world of investments, you’ll often hear about stocks and bonds. They are both feasible forms of investment. They allow you the opportunity to invest your money with a specific company or corporation with the possibility of future profits. But how exactly do they work? And what are the differences between the two?

Bonds

Let’s start with bonds. The easiest way to define a bond is through the concept of a loan. When you invest in bonds, you are essentially loaning your money to a company, corporation, or government of your choosing. That institution, in turn, will give you a receipt for your loan, along with a promise of interest, in the form of a bond.

Bonds are bought and sold in the open market. Fluctuation in their values occurs depending on the interest rate of the general economy. Basically, the interest rate directly affects the worth of your investment. For instance, if you have a thousand dollar bond which pays the interest of 5% yearly, you can sell it at a higher face value provided the general interest rate is below 5%. And if the rate of interest rises above 5%, the bond, though it can still be sold, is usually sold at less than its face value.

The logic behind this system is that the investors deal with a higher rate of interest then the actual bond pays. Thus, the bond is sold at lower value in order to offset the gap. The OTC market, which is comprised of banks and security firms, is the favourite trading place for bonds, because corporate bonds can be listed on the stock exchange, and can be purchased through stock brokers.

With bonds, unlike stocks, you, as the investor, will not directly benefit from the success of the company or the amount of its profits. Instead, you will receive a fixed rate of return on your bond. Basically, this means that whether the company is wildly successful OR has an abysmal year of business, it will not affect your investment. Your bond return rate will be the same. Your return rate is the percentage of the original offer of the bond. This percentage is called the coupon rate.

It is also important to remember that bonds have maturity dates. Once a bond hits its maturity date, the principal amount paid for that bond is returned to the investor. Different bonds are issued different maturity dates. Some bonds can have up to 30 years of maturity period.

When dealing in bonds, the greatest investment risk that you face is the possibility of the principal investment amount NOT being paid back to you. Obviously, this risk can be somewhat controlled through the careful assessment of the companies or institutions that you choose to invest in.

Those companies that possess more credit worthiness are generally safer investments when it comes to bonds. The best example of a “safe” bond is the government bond. Another is the blue chip company bond. Blue chip companies are well-established companies that have proven and successful track records over a long span of time. Of course, such companies will have lower coupon rates.

If you’re willing to take a greater risk for better coupon rates, then you would probably end up choosing the companies with low credit ratings, companies that are unproven or unstable. Keep in mind, there is a great risk of default on the bonds from smaller corporations; however, the other side of the coin is that bond holders of such companies are preferential creditors. They get compensated before the stock holders in the event of a business going bankrupt.

So, for less risk, choose to invest in bonds from established companies. You will be likely to cash in on your returns, but they will probably not be very large. Or, you can choose to invest in smaller, unproven companies. The risk is greater, but if it pays off, your bank account will be greater, too. As in any investment venture, there is a trade-off between the risks and the possible rewards of bonds.

Stocks

Stocks represent shares of a company. These shares give part of the ownership of the company to you, the share-holder. Your stake in that company is defined by the amount of shares that you, the investor, own. Stock comes in mid-caps, small caps, and large caps.

As with bonds, you can decrease the risk of stock trading by choosing your stocks carefully, assessing your investments and weighing the risk of different companies. Obviously, an entrenched and well-known corporation is much more likely to be stable then a new and unproven one. And the stock will reflect the stability of the companies.

Stocks, unlike bonds, fluctuate in value and are traded in the stock market. Their worth is based directly on the performance of the company. If the company is doing well, growing, and attaining profits, then so does the value of the stock. If the company is weakening or failing, the stock of that company decreases in value.

There are various ways in which stocks are traded. In addition to being traded as shares of a company, stock can also be traded in the form of options, which is a type of Futures trading. Stock can also be sold and brought in the stock market on a daily basis. The value of a certain stock can increase and decrease according to the rise and fall in the stock market. Because of this, investing in stocks is much riskier than investing in bonds.

The Wrap-Up

Both stocks and bonds can become profitable investments. But it is important to remember that both options also carry a certain amount of risk. Being aware of that risk and taking steps to minimize it and control it, not the other way around, will help you to make the right choices when it comes to your financial decisions. The key to wise investing is always good research, a solid strategy, and guidance you can trust.

Read this if you can t possibly save enough for retirement

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It’s relatively easy to save for retirement when you’re still young. Five thousand dollars set aside for a new baby grows to an amount that generates over a $100,000 a year in current-day dollars if the money earns 12 percent annually and inflation runs at 3 percent.

NOTE The data is a little sketchy, but small-company stocks probably deliver average returns of around 12 to 13 percent over long periods of time. Small-company stocks are, however, very risky over shorter periods of time.

The flip side of this is that it becomes difficult to save for retirement if you start thinking (and saving) late in your working years. If you’re 60, haven’t started saving, and want $25,000 a year in income from your retirement savings at age 65, you probably need to contribute annually more than you make.

Say you’re in your 50s—or even a bit older. With the kids’ college expenses, or perhaps a divorce, you don’t have any money saved for retirement. What should you do? What can you do? This situation, though unfortunate, doesn’t need to be untenable. There are some things you can do.

Just say no

One tactic is not to retire—or at least, not yet. After all, you save for retirement so the earnings from those savings can replace your salary and wages. If you don’t stop working, you don’t need retirement savings to produce investment income.
Note, too, that “not retiring” doesn’t mean you need to keep the same job. If you’ve been selling computers your whole life and you’re sick of it, do something else. Get a job teaching at the community college. (Maybe you’ll get summers off.) Join the Peace Corps and go to South America. Get a job in a daycare center and help shape the future.

Give yourself breathing room

A second tactic is to postpone retirement a few extra years, which, of course, also reduces the number of years you’re retired. Rather than working to age 62 or 65, for example, working until age 67 or 69—a few more years of contributions and compound interest income—will make a surprising difference, and you’ll boost substantially the money you receive from defined-benefit retirement plans. If you’re paying a mortgage, maybe you can pay that off in those few extra years, too.

Redefine your sense of affluence

A third and more unconventional tactic is to decide that less is more and tune into the art and philosophy of frugality. A good book on this subject is Your Money or Your Life by Joe Dominquez and Vicki Robin (Viking Penguin, 1992). And if you decide to live on less while you’re still working, you’ll end up saving a lot more over the remaining years you work.