Business - Page 99

Real Estate Trends and Practices Around the World

Over a decade on, the global real estate market is still feeling the scars of the so called “Great Recession”. And that’s no surprise, considering the effects of the 2008 crisis on significant markets:

In this bird’s-eye view report, we’re going to provide a quick-fire summary of recent real estate trends (focusing primarily on the residential market), what you can expect from different markets, and some of our own projections for the future. The global real estate industry is still dominated by a select few countries, with the top 20 markets representing over 80% of the total investable real estate. With this in mind, we’re going to stick to some of the aforementioned top players in the global market.

The state of the market(s)

Australia: Australian homes have been a ‘sure thing’ in investment since the turn of the century, with sharp yearly price increases as the norm. We’re only now seeing a slowdown, with Sydney’s market down 4.5% compared to last year.

United Kingdom: Prices in the UK are stagnating following several years of growth, with reports showing a fall of £26.9bn since the turn of the year. Analysts blame Brexit for the recent decline in Britain’s property market. With negotiations with the EU still in the balance, speculators are sitting tight until the situation calms. Theresa May is currently claiming that 95% of the deal is done, but uncertainty remains.

United States: The US is still in recovery mode, with a huge shift from homeowners to renters between 2006-2014. House prices are seeing an upward trend and mortgages are stable, however homeownership is still down over 6% compared to pre-recession levels.

image source: vanderbiltre.com

Who’s investing (and borrowing)?

Australia: Chinese investors continue to have an important presence in Australia, with some reports suggesting foreign investment represents over 10% of trade for newly built homes and 5% of resale. The Australian government has also been keen on encouraging local investment, offering strong incentives to first-time buyers. Banks also don’t seem to be worried about an upcoming downturn, with interest-only loans still very common; Lendi’s FAQ guide to Australian home loans highlights the availability of FHOG (First Home Owners Grant) and other loan options you won’t currently find in the United States.

United Kingdom: Young people and low-paid workers are suffering, with renting becoming the norm for millenials. And while London continues to be a popular draw for businesses as the focal point of the European financial scene, things may change following Brexit. Nevertheless, Britain is still popular with foreign investors, with Middle and Far Eastern buyers continuing to pump money into the UK economy.

United States: Young people are struggling to find a presence in the real estate market, with a third still living with their parents in 2105 (up 10% compared to 2005). Difficulty in obtaining credit, growing student loan debts, and unaffordable housing in the cities that have jobs (e.g. San Francisco) all form part of the complex picture. While home prices are finally clawing their way back up, the market is now largely limited to the wealthy and property investors.

image source: cretech.com

What’s in store for 2019 and beyond?

Australia: The boom times may be over for now, with properties not “flying off the shelves” as in previous years. This is partly due to design, however, with Australian authorities curbing lending and increasing taxes for foreign investors to protect local buyers. While we expect that prices will not increase in the double digits we’ve been used to, Australia still offers investors a solid long-term investment opportunity.

United Kingdom: While the base interest rate is expected to rise, mortgage rates should remain low in 2019. The UK economy is still on shaky ground and with inflation creeping upwards faster than income (not to mention the coming Brexit), we don’t expect the situation to change in the coming years. We should also see landlords losing out to first-time buyers, with buy-to-let mortgages dwindling and tax breaks coming to a close. Speculators beware.

United States: We have already seen evidence of a slowdown in prices and we think this trend will continue. The shortage of homes in the lower end of the market will remain a problem, with construction unable to keep up with demand. The thought here is that real estate will continue to be a seller’s market in the United States in 2019.

Namecheap domain renewal promo code

Have you ever heard of Namecheap? This is one of the best places on the Internet for you to get a domain name, as well as a web hosting at a fairly reasonable price. If this sounds interesting, and you are a new user, you will find useful information if you keep reading this article.

The best way to start is to get a domain renewal promo code and save some money on your order. Namecheap allows you to get the best prices for web hosting and domain name packages. You are completely safe from losing any coupons or deals by sticking with this website, and you will also get a shared hosting package including a full year of free Whois Guard, and a free DNS service.

This is still not everything you receive as you get a discount when you order a shared hosting with the promo code. Namecheap also offers discount coupons for other purchases, like VPS hosting, Whois Guard, private email service, premium DNS, and reseller hosting.

How to get a promo code?

You are able to use the coupon codes for discounts on domain names that you want to buy, or on a wide variety of other services that Namecheap offers. You can begin with by checking out the Namecheap subscription app services, or the collection of domain names. After ordering what you want, access your shopping cart with a click on the ‘view cart’ button, or on the shopping cart icon.

image source: dotcomonly.com

This lists all of your purchases while also suggesting services that you can still add. On the right side, you can see your total amount to pay, along with the order confirmation button. Below, there is a ‘promo code’ space where you need to input your coupon. This applies the discount that reduces the total price of your order. The only thing left to do then is to complete the remaining steps and finish your order

Why go with Namecheap for your needs?

If you are looking to get access to all of your plugins and applications, as well as website credentials through one simple control panel, Namecheap is the place to be. It efficiently manages everything that is related to a website. From databases, website backups, subdomains and emails, Namecheap can control everything. It also offers an appealing user interface with amazing features available at affordable and reasonable prices. Its great security features are among the best in the field and give the competitors a lot to think about. If you are new to the platform as well as a beginner, hurry up and make use of this great Namecheap domain renewal promo code, ‘October 2018’. It will enable you to save money by providing discounts on regular offers and deals.

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image source: staymeonline.com

How To Survive A Recession

The trade war has spooked investors with the Dow Jones Industrial Average plunging by around 480 points. This was a result of the increased pressure placed on top trading partners. Markets have already been under pressure with fears of earnings waning when the next quarter results come in. Fortunately, there are ways for you to navigate these stormy waters and the best solution is to follow the 3 D’s. This is to get defense, get disciplined and get deep.

Get Defensive

There is an old saying which states that there is always a bull market somewhere. This saying is so well known because it is actually truer than you might imagine.

There are a lot of investors who are not aware that major stocks actually made money during the 2008 financial crisis. Investors in McDonald’s were handed a return of 8.54% that year along with Walmart investors which rallied 20% on total-returns while the rest of the financial markets were in meltdown. The discount retailer Dollar Tree also saw a surge in that year of 60.8%. The one thing that these stocks all had in common was that they were defensive.

image source: verdict.co.uk

When a market turns from bull to bear, the stocks that are generally hit the hardest will be the most speculative ones. The risk-off environments which make the issues that work best for speculators are also the ones who will be hit the worst when there is a flight to quality. This means that low-interest rate environments and dividend payers will be the best way to get defensive.

This is due to the fact that dividends are a positive contributor to your total returns even when there are plunging prices. Of course, you need to ensure that you do not own stocks where dividends are unsustainable in any difficult conditions. This is due to the fact that dividend cuts will get punished when the market crashes.

After 2008, there are many investors who have remained defensive in their portfolio allocations over a prolonged period of time. By getting back to the defensive position in your portfolio, you will be able to protect yourself against the next market crash.

This will mean that you underperform during the last stages of a rally when the speculative best surge higher. However, the statistics are clear that taking less of the drawdown by being defensive will outweigh the missed upside of the full market cycle.

Get Disciplined

When the market crashes, your emotions will be your enemy. Research done by Dalbar has found that emotions cause retail investors to underperform against the averages across all timeframes. This is due to the fact that we as humans are made to buy when the asset-bubble tops and to sell when the market bottoms. This is why being disciplined will be key to surviving the next market crash.

Being disciplined means that you should hold onto good stocks even when they move lower. You should also avoid any compulsion to make speculative and risky bets to get back to even. A key part of being disciplined is to have a systematic method to quantify when an investment is worthwhile.

image source: tahoehometeam.com

There are a number of tools that you can use to determine if a stock is actually attractive. The critical aspect is that the yardstick you are using should not change when the market conditions change.

Get Deep

The best time to buy is when there is blood in the streets. This is an investing concept that has held true for centuries and is still true today. When the market crashes, investors will generally be presented with amazing opportunities in oversold stocks. To find these opportunities, you need to get deep into the stocks’ valuations.

The market will generally overcorrect to the upside as well as the downside. This means that stocks can trade for valuations during market crashes which do not actually make sense. This was the case in 2009 when many companies were still throwing off cash despite trading for tiny multiples. By following the first 2 of the D’s, you will have enough dry powder to take advantage when you get deep.

Founder of Crypto Chain University, Herbert Sim Joins Huobi as Public Relations Director

Today, the well known and famous cryptocurrency and blockchain exchange Huobi Group, bolstered their company ranks with Herbert R. Sim taking the role of Public Relations Director. Herbert R. Sim comes with a brilliant CV as he is the founder of the oldest institution for cryptocurrency and blockchain research in the world, Crypto University.  Crypto University was established in 2010 in the early years of cryptocurrencies. Another company he is the founder of is Wardrobe Trends Fashion, which is a high tier fashion and jet set luxury online magazine founded a year earlier. Wardrobe Trends Fashion is one of the world’s largest repository of fashion labels, campaign, and lookbooks from across the globe, which he is currently serving on the board of directors.

Huobi Group itself was founded in 2013 and is a well-established company in the field of blockchain and cryptocurrency. After almost half a decade of steady operations, Huobi Group has established itself as a leader in global digital asset and a leader in financial service providing, all in terms of building a technology platform, product, risk control system, operation, and customer service. Huobi Group has millions of customers served over 130 countries and from regions all around the globe. Huobi Group has operation centers in Singapore as well as Hong Kong, South Korea, Japan, and other countries all over the continent of Asia.

Source:wardrobetrendsfashion.com

Herbert has received the highest honor of the Crypto Chain University – “Ordre des Arts et des Technologies.” The purpose of the University is to recognize the significant contributions to technological arts and the propagation of these fields. Herbert is a veteran in the crypto world with experience dating since 2010.  Another item on his brilliant CV is TheBitcoinMan.com. Namely, Herbert owns TheBitcoinMan.com, and the Instagram handle @thebitcoinman, the Facebook page The Bitcoin Man, and anything associated with the name.

Herbert’s publication Wardrobe Trends Fashion has been the subject of many awards. As a man with years of entrepreneur experience, his publication flourished under his name. Known by its abbreviation WTF, the publication has won several awards. Namely, “Best Lifestyle Website” GOLD award at the 2015 Asian Digital Media Awards, which Google and the “World Association of Newspapers and News Publishers” were the presenting bodies. The publication didn’t stop there from winning other awards as WTF won double GOLD awards at the following year 2016 Asia and Pacific Stevie Awards for Innovation in News Websites and Entertainment Websites. What’s more impressing is that the publication managed to win Gold and Silver in the next years 2017 International Business Awards, which the host city was Barcelona, Spain.

In 2016, Oklahoma City University honored him with the “30 under 30” award.

Herbert currently serves as a contributing writer for the prestigious publications Huffington Post and Forbes. From 2012 Herbert has been an executive and associative producer on half a dozen movies and TV shows, and his latest movie “Boy Makes Girl” is set to premiere on 1st July in the USA.

Source:wardrobetrendsfashion.com

Herbert has a Bachelor degree in Arts in Liberal Studies, gained from the prestigious Oklahoma City University and a Master in Business Administration from the University of Wolverhampton UK.

Knighthood by Crypto Chain University’s Order of Arts and Technologies

Launched earlier in FebruaryCrypto Chain University announces the launch of their highest honors “Ordre des Arts et des Technologies”; when translated from French to English, means “Order of Arts and Technologies.”

The Order was established earlier this week, 20 March 2010, by the founder of Crypto Chain University, Herbert Sim, who shared that its purpose is the recognition of significant contributions to the technological arts, or the propagation of these fields. Herbert is also the founder of WardrobeTrendsFashion – high fashion and luxury online magazine.

Source:cryptochainuni.com

Guidelines stipulate that recipients must be at least twenty-one years old, and must have, “significantly contributed to the enrichment of the financial and/or technological inheritance” to be considered for the award.

The Order has three grades: Commandeur (Commander), Officier (Officer), and Chevalier (Knight).

Recipients are granted the exclusive rights to possess and don the médaille of the Order, which features the University’s arms, surrounded by a golden ring bearing the words “Ordre des Arts et des Technologies,” designed by the University’s founder himself.

The médaille of the Order was designed subtly with the symbol of “☓” known as Saltire, also called Saint Andrew’s Cross or the Crux Decussata, the official URL of Crypto Chain University ☓.com (unicode/punycode of xn--33h.com), registered on 3 February 2005; previously used as the founder’s personal website blog.

The colors for the médaille of the Order are Gold for Commandeur, Silver for Officier, and Bronze for Chevalier accordingly.

Source:cryptochainuni.com

Crypto Chain University is the leading non-profit research-only institute, focused on public policy issues facing blockchain, cryptocurrency and decentralized computing technologies like Bitcoin and Ethereum. The University, established in 2010, is one the oldest institution for the compilation of Crypto and Blockchain research in the world, and has a database and following of thousands of followers since its founding in 2010.

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