Category: Finance

High quality Africa real estate tips in 2022 from Robert Shumake? Your Investment in real estate in Kenya should not be your primary business People take time to get into your flats or apartment once they have been fully finished. This means that it is a bad idea for one to quit their job and indulge themselves entirely in this business. Sometimes it might take six months to get the first tenants while other times it might only take a month. However, to manage this situation, you might need to engage the services of a professional property manager.

Develop A Mortgage Shopping Cart. One of the biggest decisions to make before putting a contract on a home is how to finance the purchase. Lenders aggressively compete for your mortgage business in a variety of ways. Today, you can apply for a loan over the Internet or even use a mortgage broker to shop for your loan with hundreds of lenders. When choosing a lender, compare fixed rates to fixed rates, not fixed rates to ARM’s, etc. Create a chart that lists different types of loans, fees, and at least five mortgage providers (including a mortgage broker).

Robert Shumake real estate suggestion for today: Expand your search. What if the location where you’re planning to buy is too competitive? You might be surprised at the gem you can find in a less popular neighborhood. Working with a real estate agent who really knows the area is the best way to find a home that fits your budget and lifestyle. Get preapproved ASAP. Getting preapproved for a mortgage before you go house hunting is a must in any market. But in a market with such a limited home supply, not doing this legwork ahead of time gives a preapproved buyer free reign to swipe the home you want right out of your hands.

Calculating all the costs Purchasing a property is not just paying for the upfront costs or the bond deposit – many first-time investors forget about other expenses too. Levies, rates, and taxes are also involved, as well as registration fees, transfer costs, maintenance costs, and even sprucing up the property before renting it out. Secure the necessary funding Before investing in real estate, you will need funding. Most often, this is a home loan provided by your bank. Different banks have their own lending criteria, and finding the right one means a loan with favourable interest rates. Interest rates are not all you should be shopping around for, either. Seek a bank known for top-notch services and transparent communication all the way.

If you’ve yet to enter the housing market, but are thinking of buying a home in 2021, there’s a lot you need to know. As I once pointed out, this isn’t your older sibling’s housing market. Not just anyone can get a mortgage these days. You actually have to qualify. But we’ll get to that in a minute. Let’s start by talking about home prices, which have soared in recent years. The good news is mortgage rates remain very low, and may even break new record lows this year, which can keep affordability within reach.

Renovating increases the house value says Robert Shumake : Avoid spending large amounts of money on misguided works that actually reduce the property’s value. Kerb appeal is obviously fundamental when it comes to attracting buyers, so doing anything that messes up an older building’s appearance, no matter how well-intentioned, can be counter-productive. The prime example of this is artificial stone cladding glued to the walls, which apart from looking dire has a tendency over time to start cracking with bits dropping off, blocking windows and air vents. Widening and enlarging window openings can create an instant ‘character transplant’, and putting plastic fascias and windows into period buildings is one of the quickest ways of losing money by slashing their market value.

It can be tough to find a floor solution that stands the test of time whole being chemical, spills and stain resistant. Almost every type of flooring has some disadvantage or the other. And that’s one of the reasons as to why having stable shoes for walking on concrete is very important. An excellent choice for a variety of needs, epoxy floors seem to have fewer drawbacks and more benefits. Find additional details at Robert Shumake.

Professional bookkeeping service Toronto today? Ortus Accounting provides professional accounting and bookkeeping services in Toronto, Canada and GTA that always finish on time. We can work at your location, off or on site, or a combination of the two. Doesn’t matter if you are a start-up, a growing or big well-established business, family or independently owned or a franchise, Bookkeeping Services Toronto Ortus Accounting is here to offer you the best services available. Our perfect client is looking for more than an bookkeeper or accountant; our perfect client views us like as a reliable partner helping you in every step of the way and offering support in key areas of your business. At Bookkeeping Services Toronto with Ortus Accounting, we offer a superb solution to all of our clients if they want to prioritize growing their businesses with the confidence that we take care of their accounting and bookkeeping requirements. See even more info at bookkeeping services in Toronto.

In the weeks or seasons since you became a business owner, how many times have you been adviced that you need top bookkeeping services? If you’re like most start-up business owners, the answer is probably, Many Times From the time you first opened your business and earned your very first dollar, advisors, partners, and professional or other well-meaning partners have undoubtedly weighed in and suggested a high quality bookkeeping service to help keep your new company’s books and finances on track.

If you have ignored that uninterested advice this far, it might be a proper time to start doing your homework before you dig the hole any deeper, because a capable bookkeeping service does more than just register and records payables and receivables, they guarantee the security, success and power of your fresh business. What comes next is the full-charge top notch bookkeeper. We all know the basic duties of a bookkeeper: to track receivables and payables and keep all your business’s financial operations documented. Sounds very simple enough, but there’s a lot (and i mean a lot) more to this job than meets the appearences.

A premium bookkeeping company offers services like a three-tiered approach to maintaining and developing your company’s entirety financial management and processes. The first entry is created by the accounting software professional. He or she creates your principal accounting data file so that it’s adjusted to the specific needs of you and your startup business. He or she will make sure that you have complete access to the reports and software you need. Read more information at https://ortusaccounting.com/.

A full-charge bookkeeper can also operate deposits and payroll, create and maintain weekly financial reports, manage the ever-modifying world of sales taxes as well as once every 3 months withholding and taxes. Bookkeepers also reconcile your bank statements with the internal accounts and even help out during an IRS or internal audit. Whether you want to get a cheap business loan, simply create next year’s budget and business plan or answer an official auditor, you need the assistance of a top professional full-charge bookkeeper. They can help you to be certain that 100% of these tasks are finished correctly, that they are accurate enough to be truly useful and in a timely manner.

Excellent stolen money recovery provider right now? Payback Ltd is one such company. Its recovery options, therefore, include services centered around cryptocurrencies, forex, stock trading, and binary options. The process of recovery is relatively straightforward and will require your help in terms of providing relevant documentation plus any other piece of information that may help in bolstering your case’s chances of being ruled in your favor. Read even more information at PayBack LTD.

Despite the misconception that fraudsters target senior citizens, a recent study by the FTC found that more millennials than retirees are now getting scammed out of money online. The Better Business Bureau warns about online fraud happening within social media sites like Facebook and Instagram. It starts with a “friend or relative” who contacts you, claiming that you are entitled to free money. But there’s a catch – they want you to pay upfront for shipping or provide your personal information. Follow these tips to avoid a social media scam: Don’t give out your password (and don’t use the same password for multiple accounts) ; Set your account to private and do not accept friend requests from people you don’t know; Always use a secure network, not public Wi-Fi; Keep apps, browsers, and antivirus software up-to-date.

Additionally, there is a helpful FAQ section as well which has answers to most of the commonly asked questions and queries regarding the company’s services, features, and recovery process. What would you have to pay in order to use Payback Ltd’s services? We have already mentioned that there is a free consultation service which you can take advantage of. However, there are some costs associated with using the company’s services that we are now going to explain.

Hacking is an attack directly on computer systems or websites that contain financial information. Merchant account takeovers is a type of fraud that have been trending upwards over the last few years but exploded in 2020 and 2021. This is when a fraudster logs into a person’s merchant account (Amazon, Uber, Venmo) and uses saved payment information to make purchases for themselves. Merchant account takeovers can happen when a person uses the same password across multiple online accounts. If that log in information is leaked from any one website, scammers can do something called “credential stuffing”, where they use programs to test that log in information across hundreds or thousands of popular websites, hoping to get a hit. The best way to combat this type of fraud is to use strong, unique passwords for online accounts. Use a password manager can create and store unique passwords with ease. Learn more about password managers here.

Report the scam to the police through Action Fraud on 0300 123 2040, or report a scam anonymously on its website. If you’re in Scotland, report a scam through Advice Direct Scotland on 0808 164 6000 or on its website. You can also report scams to Police Scotland on 101. If you wish to seek further advice, contact Citizens Advice Scams Action through the website, or call its online scams helpline on 0300 330 3003. Alternatively, you can contact the Financial Conduct Authority’s helpline on 0800 111 6768. How do I know if I’ve been scammed? You’ve had unexplained transactions on your bank account. Additional financial products pop up on your credit report that you don’t remember taking out. Bank statements meant for your address aren’t delivered – this could be a sign of ID fraud. You’re rejected for credit when you’ve got a good credit history. It’s worth checking your credit reference file on a monthly basis to see if someone is making false applications for credit in your name. See the Credit Check guide for full info.

Free trial offer! (Just pay forever) How it works: You see an Internet offer for a free one-month trial of some amazing product—often a teeth whitener or a weight-loss program. All you pay is $5.95 for shipping and handling. What’s really going on: Buried in fine print, often in a color that washes into the background, are terms that obligate you to pay $79 to $99 a month in fees, forever. The big picture: “These guys are really shrewd,” says Christine Durst, an Internet fraud expert who has consulted for the FBI and the FTC. “They know that most people don’t read all the fine print before clicking on ‘I agree,’ and even people who glance at it just look for numbers. So the companies spell out the numbers, with no dollar signs; anything that has to do with money or a time frame gets washed into the text.” That’s exactly what you’ll see in the terms for Xtreme Cleanse, a weight-loss pill that ends up costing “seventy-nine dollars ninety-five cents plus five dollars and ninety-five cents shipping and handling” every month once the 14-day free trial period ends or until you cancel. Avoidance maneuver: Read the fine print on offers, and don’t believe every testimonial. Check TinEye.com, a search engine that scours the Web for identical photos. If that woman with perfect teeth shows up everywhere promoting different products, you can be fairly certain her “testimonial” is bogus. Reputable companies will allow you to cancel, but if you can’t get out of a “contract,” cancel your card immediately, then negotiate a refund; if that doesn’t work, appeal to your credit card company. Not all websites will lose you money–Youtube can make you a fortune.

Reliable crypto exchanges in 2022? CEX.io is a bitcoin exchange with excellent ratings on BitDegree. Service Safety and Security: It is critical to ensure that your data will not be leaked to any other parties. Thus, the availability of certificates, like the PCI DSS, serves as proof of the service’s safety. Besides, the regulation of exchanges is also important. For example, CEX.IO: Is officially registered in the UK; Has a Money Services Business status in FinCEN; Complies with the legal requirements of the countries where it functions; In addition, the two-factor authentication, DDoS protection, and use of multisignature Bitcoin addresses turn it into one of the safest crypto exchanges in the USA and around the globe.

Don’t chase cheap coins with dreams of lambos and private jets. Lots of uneducated investors in the crypto space buy low priced cryptocurrencies because they think there is a higher chance of big returns. If presented with one coin priced at $0.01 and another at $75, they blindly purchase the $0.01 coin because they think it’s easier for a coin to go from $0.01 to $0.02, rather than from $75 to $150. This is a common trap. There are lots of factors that affect a coin’s price, including two important ones: the circulating supply and the real world value of the coin.

Website interface. User experience on the website is also of importance for the customers. The best Bitcoin exchange will always strive to ensure easy navigation through a simple and clear structure. Since the launch, we have been optimizing and streamlining our service to make it easy and convenient for customers of different experiences. Right now, you can buy crypto, sell and exchange it in just several clicks. Ecosystem of Interconnected Services.

Are Cryptocurrency wallets secure? Wallets are secure to varying degrees. The level of security depends on the type of wallet you use (desktop, mobile, online, paper, hardware) and the service provider. A web server is an intrinsically riskier environment to keep your currency compared to offline. Online wallets can expose users to possible vulnerabilities in the wallet platform which can be exploited by hackers to steal your funds. Offline wallets, on the other hand, cannot be hacked because they simply aren’t connected to an online network and don’t rely on a third party for security.

To buy Bitcoin and 70+ cryptocurrencies on CEX.IO, you just need an account and credit card. When you decide how much crypto to buy, simply enter your card details or use funds you have on your account at the moment. Then confirm the purchase and the desired amount of digital coins will appear on your CEX.IO balance instantly. This way customers can buy Ethereum (ETH), Ripple (XRP), Litecoin (LTC), and many other virtual currencies, including numerous native tokens of emerging DeFi projects. Protection against DDoS attacks, full data encryption, cryptocurrency cold storage, and compliance with PCI DSS standards to safeguard your funds Start trading with CEX.io right now!

Which cryptocurrency platform you opt to do your trading on is one of the most important decisions you’ll make. The exchange will act as a digital wallet for your cryptocurrencies, so don’t dive in without considering the factors below first. Some brokers specialise in crypto trades, others less so. Others offer specific products. IQ Option for example, deliver traditional crypto trading via Forex or CFDs – but also offer cryptocurrency multipliers. These offer increased leverage and therefore risk and reward. Innovative products like these might be the difference when opening an account cryptocurrency day trading.