The ultimate beginner’s guide to investing in real estate

Many people prefer to invest in real estate, rather than in the financial markets and most of them think that investing in real estate has no risk and their prices go always up, but this is not true, because this type of investment has many risks. Real estate is an asset form with limited liquidity relative to other investments, it is also capital intensive (although capital may be gained through mortgage leverage) and is highly cash flow dependent. If these factors are not well understood and managed by the investor, real estate becomes a risky investment. In this post we… Continue reading

Beginner’s guide to mortgages

If you have sufficient means to purchase a house for cash, then you certainly can afford to buy one now. Even if you can’t pay in cash, most experts would agree that you can afford the purchase if you can qualify for a mortgage on a new home. A mortgage is a type of loan that is secured by real estate. When you get a mortgage, your lender takes a lien against your property, meaning that they can take the property if you default on your loan. Mortgages are the most common type of loan used to buy real estate—especially… Continue reading

What is a cv and how do you write one?

A curriculum vitae is a marketing document that gives a summary of a job seekers career history, academic qualifications and also explains their future potential. Indeed, the phrase ‘curriculum vitae’ is Latin for ‘the story of your life’. It is also occasionally known as a resume, although this term is more commonly used in America. A completed CV aims to impress recruiters and is sent as an application to jobs adverts or as a speculative approach to prospective companies. CVs are valuable and important because they are your first and maybe only direct communication with a potential employer. Presentation is… Continue reading

Credit card: types and advantages

A credit card is a type of bank card that lets you borrow money – credit – before paying it back with interest. They work as a type of loan, but instead of getting money in an account you get credit that you spend via the card, before paying back what you owe each month. Nowadays, credit cards are of various types with different fees, interest rates and rewarding programs. When applying for a credit card, it is important to learn about their different types to find the one that will suit best to your lifestyle or financial status. In… Continue reading

Types of travel insurance

Travel Insurance is one of the most important investments that a traveler can make when they decide to travel. Travel Insurance assumes particular importance while travelling abroad simply because of the number of risks that it covers. Typically, a Travel Insurance policy covers medical risks, travel risks, and also flight disruptions. If you’re wondering why Travel Insurance is necessary, this checklist provides a few insights. It is extremely important to take out travel insurance, even if it tightens your budget a little. Your loss could be a lot greater should anything unforeseen happen. Imagine you have a medical emergency in… Continue reading