Answer these Questions Before You Buy your First Real Estate

By Billy Chen

You have long been contemplating to buy a first house for the family. But before you start making your house search and shopping for lender, make sure you answer these questions first to assess your real need and possibility to own a house of your own.

1. Are you prepared to stay put for at least 3 years at your new home? If you are not ready to stay in your newly purchased property for minimum of 3years, perhaps you have to put off this idea now. The reason is the kind of investment with property purchase and the associated fees charged on both buy/sell transaction would simply makes it impossible. You will end up lose money no matter it is a rising or falling market (here you end up losing even more money as your property will have depreciated in price).

2. Boost your credit rating Before you head to the bank for your mortgage application to buy a house, make sure you have an impeccable credit report. When you spot problems on the report, make an effort to correct and fix them. Your credit report would play a big part in deciding if a lender is going to grant you the loan.

3. Find appropriate home loan Banks generally can loan customers up to 80% of the purchase, or 90% for exceptional cases. But there are a lot of factors involved including payback period, your income, age price, locked in considerations, etc. For this reason, it is advisable you use the online calculator to have an overall appreciation of all possible combinations for the loan amount you desire.

4. Size of down payment As mentioned above, banks expect you to put up at least 20 percent of purchase price. When you are not able to pay that amount, you may have to talk to some other lenders like the sub-prime folks.

5. Buy into hot location with good schools If possible find a site where there are a number of popular schools. Reason is school districts are a top consideration for buyers who have school going children. When you want to sell your property, you can ask for a premium on top of a fair evaluation price.

6. Enlist the help of property agent While Internet is useful disseminating valuable information like home listings, when it comes to a time to follow up, like physical home inspection, negotiating terms and price, human type interaction cannot be avoided. It can be a good idea to get help from exclusive buyer agent as they can help to take care of all these hassles on your behalf and acting on your interest.

When all above considered and you are even more determined to find your new home, get ready for thorough research on the property market. Past transactions conducted in the area and/or housing type of your choice should give an approximate indication of the real value of the property you are interested in.We are one of the real estate companies in Singapore and we have served our customers in South East Asia Region for years. Our network of agents is strong and we can help you to find your ideal next home for you. - 23200

About the Author:

Looking to find the best deal on Singapore Property , then visit our site to find the best advice on Singapore Property Elite for you.

Getting Into Rental Real Estate

By Billy Chen

Singapore rental is nothing but renting a property in Singapore. Lease is a real estate contract or an agreement that is made when you (renter) and the landlord decide to sign the contract for mutual benefits. In order to form a lease or a real estate contract, the landlord and you have to agree on many issues.

The most important factor that you will have to consider when you are thinking about renting a Singapore Property is that you will find several Singapore Real Estate agents in the country and it is very important that you look for an agent that is reliable, sincere and efficient.

If you find a property in some localities and districts in Singapore, then make sure you mention in your area agents that he was a rental property for you in areas such as you find it try. In the selection of neighborhoods, it is recommended that you look at Singapore properties in a safe area, so you do not do to do something about security-related concerns.

See properly to find out whether there are any flaws or defects in the property. When you are going to check out the rental properties, make sure that you examine all the things in the property carefully before you agree to rent the Singapore Property.

When you are negotiating the price of the Singapore Property, make sure that you are aware of the approximate market rent of the properties similar to the one that you wish to rent. Try to negotiate the price or cost of the rent with the landlord and then agree on a price that both you and the landlord will agree on.

When you have decided that you wish to rent a Singapore Property, you will have to sign the rental contract or agreement (tenancy agreement). Make sure that you read each and every detail carefully before you sign the document.

Make sure that you agree with the tenancy period as mentioned in the tenancy agreement. If the tenancy period is very short and you wish to rent the property for a longer period of time then try to talk about it with the landlord.

Your Singapore Real Estate agent will know that is best for you so make sure that you ask for his or her advice when you are looking for rental properties in Singapore. - 23200

About the Author:

Looking to find the best deal on Singapore Property , then visit our site to find the best advice on Expats Rental for you.

Are Private Housing Prices Still Affordable In Singapore Real Estate ?

By Billy Chen

With the economy back on track in a slow yet assured way, property players are rushing back to the red hot Singapore real estate market. The market is flushed with bullish sentiments and property developers have been busy adjusting up their prices in their daily advertisement. You can't help but starting to pay attention, only to come to the conclusion that the prices are beyond you.

Or have you been slackening and you accumulation of wealth and income has not been able to keep pace with the property prices?Are the current real estate prices reasonable? Are there really enough crazy buyers out there to support such price levels?

For a better sense of what the real estate market, we have's start by controlling how property news Rates transferred to you. If you are not vital and active real estate players, the chances that you will need to be on secondary sources, such as the media upgrade for your property depends. Media such as newspapers, radio and television, all unwittingly playing a role in our design your beliefs.

The fact remains that, in all reality, for one super-scale mega project, there are probably a number of more modest launches that do not make headlines materials.We are not suggesting that our media has been responsible for inaccurate reporting. A grand and mega project that runs into hundreds of millions in development cost would easily snatch the headlines from the more decent real estate development. Rather we are aware of the fact media exists to disseminate 'newsworthy' and interesting reports.

Viewing pay developers are charming reason that a similar fashion. This super-luxury housing advertisements in the Marina and Sentosa in enclaves, for example, based on the very wealthy foreigners and locals. It is understandable that a price premium and is usually not designed for the average Singapore.

Of course, resale prices for privately owner-occupied properties are obviously lower than those advertised at the new launches. But few people are aware of them as the lack of 'newsworthiness' elements. For the average guys among us, the new launch prices are what making news within our circles.

One other reason that helps to form this belief is that the 2007 real estate boom is still fresh in the Singaporeans' minds. With the integrated resorts as backdrop, many developers have taken their cues and gone on to launch a number of super-luxurious and super-exclusive projects in great fanfare, and to massive successes in drawing in record number of overseas investors. Again these properties are not aimed at the average Singaporeans.

In all reality, the private real estate market is not going to stay static as inflation is a natural element in any economy. But, still, there a number of modestly priced private properties around Singapore. The suburb properties, just for comparison, have only registered a single digit increase in price in the past ten years. It is only up to you to tweak your aspiration and look out for them. - 23200

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Learn more about Singapore Real Estate. Stop by our site where you can find out all about Singapore Properties and what it can do for you.

Growth Stocks

By Ahmad Hassam

When you start looking for good stocks, you often come across these terms like large cap, mid cap, small cap, growth and value. Let's discuss these terms for a moment. Capitalization or cap refers to the combined value of all the share of a company's stocks. The division between large cap, mid cap and small cap are often blurry and not sharp.

Mid caps are companies with $1 to $5 Billion in capitalization and small caps are companies with $250 million to $1 Billion in capitalization. Anything below $250 million can be considered as micro cap. However the following divisions are generally accepted: Large caps are companies with over $5 Billion in capitalization.

What is the P/E ratio? The P/E ratio divides the price of the stock by the earnings per share. Suppose, company ABC stock is presently selling for $50. Now suppose that last year company ABC earned $5 for every share of the stock outstanding. This means stock ABC P/E ratio is 50/5=10. So the higher the P/E ratio, the more investors are willing to pay for the stock.

Now the higher the P/E ratio, the more growth the company is supposed to have. So it can be either the company is growing real fast of the investor have high hopes of its growth. Now these hopes can be realistic or foolish, you never know! Now, if you follow financial news than you must know that the large growth companies always grab the headlines. But do the growth stocks really make best investment? The lower the P/E ratio, the more value the company has. Low P/E ratio companies are not considered to be the movers and shakers in the market.

Eugene Fama did seminal research on stocks and stock market s in'70s. Most of his results were startling and broke many myths. According to Fama and French, two famous researchers who did ground breaking research on stocks, over the last 77 years, large growth stocks have only seen 9.9% annualized rate of return as compared to 11.5% for the large value stocks.

Now intuitively you might have thought that growth stocks are better. What can be the reason for their lower performance over the years? The most probable cause seems to be their immense popularity. Since most of the headlines are captures by high growth companies, investors seem to think that they are the best investments.

So large growth stocks tend to get overpriced before you are able to buy them! Think about Google, how its stock price shot up within a matter of weeks after it hit the market. Weeks after that it began to cool off. - 23200

About the Author:

Mr. Ahmad Hassam has done Masters from Harvard University. Try these cash printing Forex Signals from heaven. Discover a revolutionary Forex Robot System!

Why Do Stock Traders Love "The Power Spike Mechanical Stock Trading System" So Much?

By Kevin Butler

Stock trading is the best at-home moneymaking opportunity ever. In fact, can you believe that more than FIFTY BILLION dollars change hands every day on the New York Stock Exchange?

It's really true. And there's incredible opportunities to earn exceptional profits out of this huge river of money.

Savvy stock traders use superior trade systems to identify high profit potential situations and earn money. And the Power Spike Mechanical Stock Trading System has taken the country by storm; it has become a national phenomenon and a favorite for thousands of traders.

Why do so many stock traders have such devotion to this trade system?

** A SOLID TECHNICAL PATTERN TRADE SYSTEM

A solid technical pattern is what produces consistency, reliability and profitability in mechanical stock trading systems. These patterns consistently predict what the price is going to do next and they can be identified on a stock chart.

The Power Spike Mechanical Stock Trading System is based on a solid technical pattern called a "Power Spike". A power spike occurs when the volume of one day is much greater than the average volume of recent days.

On one particular day the volume spikes up and stands out from the recent volume.

The high volume signals a moment of extreme emotional trading, people are leaping into and out of a stock very fast. It is a moment of impulsive trading.

Big moves in price often follow as a response to high levels of emotional trading. A power spike is a very strong indicator that a huge move is imminent.

** SUPERIOR STOCK TRADING RETURNS

One of the unique and outstanding features of the Power Spike Mechanical Stock Trading System is exceptional returns. The price move that follows a power spike is usually very strong and covers a large distance.

Price movement is what becomes trade profit. And a power spike trade frequently yields double-digit profits within just a few short days.

Internal momentum built as a result of the emotional trading on the spike day is released in a strong price move. The result is price movement that covers a large distance and moves very quickly.

The Power Spike Mechanical Stock Trading System has become a popular and trusted tool for many traders because it lets you get in and earn huge returns fast. You earn big profits very quickly.

And isn't that exactly what you want?

** LOCATING POWER SPIKES

How can you locate this highly profitable technical pattern?

There are multiple ways used to identify power spikes, but one technique is really the best. This method uses Bollinger Bands.

Bollinger Bands are applied to the volume data and a power spike occurs when the volume penetrates the upper band.

The intensity and strength of the power spike is determined by how much of the total volume appears above the upper band. Stronger spikes increase the odds of a successful trade.

As a general rule, I only consider trading spikes where a minimum of 15% of the total volume appears above the upper band. Less than 15% penetration usually signals a weak spike.

An additional feature of this method is that it lets you rank and compare spikes in multiple stocks. A 38% penetration spike in stock "A" is preferred to a 21% penetration spike in stock "B".

This method of ranking power spikes is a great way to make initial trade selections.

*** WARNING: A POWER SPIKE IS NOT A TRADE SIGNAL

A power spike is not a signal to jump into a stock trade. It isn't the green light to pull the trade trigger. A trade signal will happen after the power spike occurs, usually within a few days.

You must first know which direction the expected move is likely to go and when to pull the trigger and get into the trade before you actually invest hard earned money. And this will be determined by how the price reacts after the power spike occurs.

There's no better way to experience the benefits of this incredibly profitable pattern than by using the Power Spike Mechanical Stock Trading System. This is a resource you should consider very seriously.

Wouldn't you like to earn huge profits very quickly? - 23200

About the Author:

Learn more about The Power Spike Mechanical Stock Trading System , visit Kevin Butler's site and you'll get all the amazing details. FREE STOCK TRADING COURSE: Obtain The Master Plan to Successful Stock Trading and learn how to trade like a pro.