Scrapbooks Make Perfect Gifts

Scrapbooking is easily becoming a favorite American pastime. If you’re looking for something that will make an extra special gift, consider a scrapbook made for someone you love or give them a scrapbook kit so they can make their own memorable scrapbook.This is a great gift for multiple reasons:
It contains memories that will last for many years to come
It’s thoughtful and shows that you really care about the person
It can be fun to create and makeMaking your own scrapbook is a real heart-felt gift that shows you put the time and attention needed into a special gift. It can also be more affordable than scrapbooks purchased from a company. Scrapbook supplies are fairly inexpensive and you can use many things that you already have lying around anyway.Scrapbooks make perfect gifts because they show a lot of thought and love was put into them. The person can keep memories alive for many years with a great scrapbook. In addition to the memories inside the scrapbook, there are also the memories of you and this special occasion that you gave it to them for.It’s also a great versatile gift choice. They work for males and females of all ages and you can guarantee they won’t already have one like this since every creation is unique. Some examples of good events or occasions to give a scrapbook as a present are wedding anniversaries, graduations, birthdays and even Christmas.There are many great things that can go into the scrapbook. For example, you might feature photos of an anniversary couple together or get heartfelt letters from friends and family to place inside the scrapbook.Tokens and items of the event or occasion can be placed inside and you might want to leave some blank pages in the back so they can add the celebration event to their scrapbook gift. You can make this easier by taking some pictures of the receiver opening their gift and other celebrations and give them to them later.With these tips, you can easily see why scrapbooks make perfect gifts and now you have a little more insight into how you can use them yourself for upcoming gifts or holidays.

Google Login and Claiming Your Places Page Instructions

Here I am going to explain two separate ways to either claim or do a Google places loginThe first thing before you try to claim and optimize your Google Places page is to have a Gmail account. If you do not have one set up already simply go to your browser and do a search for Google mail or you can find them at This will take you to the Google log in page where you can either sign into your account or just underneath the sign in section is a section where you can Create an Account for free in about 2 minutes or less.Creating a Gmail Account: Put in your name Choose your user name Check availability if it is available they will assign it to you if not they will give suggestions Choose a password Answer a couple of security Questions Put in a recovery email in case you forget the password. Select your country Put in you Date of Birth Fill in the Captcha and submit You may be asked to verify by phone or text select which works for you and your account is verified instantly.Now that is done go to the Google Login page and sign inTo find and claim your places page click on the maps tab at the top of your browser if you do not see the maps tab you can do a search for “google maps” it will be the first organic listing, click on it and it will bring you to the maps search browser.There are two ways to find out if you already have a Google places page listing. The first way is once you are in the maps search browser simply do a search of your company starting with the company name your address and zip. and click search. If you have an unclaimed listing it will show up in the left hand side bar.If you show up in the side bar simply click on your company name and it will take you to your places page that the public sees. From here you will see you will see a map to the right with an A pin indicating your location.Just above the map location with the A pin are two hyperlinks one says Edit this place the other say Business Owner? You should still be logged into your Gmail account so click on the business owner? hyperlink if you are not logged in you will be directed to the Google login page. If you are logged in you will be taken to a page that asks you what you would like to do.You have 3 choices Choose Edit. Edit your listing, Suspend your listing, or This isn’t my listing.Once you choose Edit it will open a new page that will auto fill your information for you. Make any corrections and do a simple basic setup before you start to optimize your places page. I repeat just put in some basic information.IMPORTANT: DO NOT stuff or add any additional information like city or what you do in your business name box just put it as it is on your business license. If you put wrong information in or if you accidentally break the rules or guidelines you will hurt yourself and your chances of optimizing your places page the right way to be seen on page 1 for your business will become more difficult.The second way of finding yourself is when in the maps search browser in the left hand side bar is a link that says “put your business on Google Maps. click on this link if you are signed into your Gmail account it will take you to a page where you can put your business phone number in.Use your local number not an 800 number preferably the number that is listed with the local phone books and other directories. Google will then search for your business, if it finds you they will give you an option to edit your page from the search results they came up with or if you do not see your listing this is where you can Add a new Listing.Select add new listing and follow the procedures above for filling in the basic setup.Do not get creative I can not emphasis enough on following the guidelines and best practices. Once you have done your basic setup you will want to optimize your Places page so you can start to rank better but hat is another article so until then have a great day.I hope this Google login information helped you.

How To Apply For Loan Against Property?

A loan against property is a secured loan where a residential/commercial property is vowed as collateral. It is a long haul advance. Loan against property is exceptionally prevalent among self-employed individuals. Loan against property is reasonable contrasted with individual credits as the interest charged is similarly low.The rate of interest ranges from 9-14% a year. In spite of the fact that advance residency for loan against property ranges from 1-9 years, it can be stretched out up to 15 years. The lender checks your financial assessment before endorsing the loan. To profit an Loan against property, you ought to have an unmistakable and attractive title to the property.Banks give loans ranging from 50-65% of property value. NBFCs (Non-managing an account Financial Companies) offer loans up to 75% of property estimation. A Loan against property has a processing fee ranging from 0.5-1.5% of the credit sum authorized.Why apply for a Loan against Property?LAP helps meet long-term and short-term financial requirements like children’s education, business, medical emergencies, and so on.Eligibility criteria to apply:All co-owners of the property must be co-applicants.
Salaried persons should be between 22 and 65 years.
Self-employed persons should be between 25 and 65 years.Properties not accepted as collateral:A plot of land
Property of a co-operative society
Industrial sheds
Warehouse or cold storage
Agricultural building or land
Property under constructionRules:The property should be insured
The property should satisfy the minimum area criteria required by banks.
The property should satisfy the minimum market value, depending upon where it is located be it non-metro or metro-cities.How much loan can be availed in LAP?Lenders ascertain eligibility to avail a loan by taking into consideration a percentage of property’s market value and the capacity to repay. Usually, non-banking financial companies (NBFCs) and banks offer a loan amount ranging from 50- 65% of the property value.Tenor:The tenor of a loan against Property ranges from 1 to 9 years. However, it can be extended up to a period of 15 years. Rate of interest for a loan against property: The rate of interest for a loan against property is lower than a personal loan. Loan against property has a rate of interest ranging from 9-14% a year.Charges and penalties:The fees, charges and penalties payable are as follows:
Processing fee: Ranges from 1-2% of the loan availed. This amount is deducted from the sanctioned loan amount.
Statutory charges
Stamp charges
Penalty in case of delayed payment of the EMIs (Equated Monthly Installments), a penalty interest of 2-3% a month of the overdue installment amount is payable.For more Info Read Here |

8 Reasons to Invest in Australian Property

Property and especially Australian property is an excellent investment. Not only is it much harder to lose money in property than in the stock market, but with property you also benefit both from steady capital growth and from rental income. And as rental income increases over time it protects you from inflation. At the same time you can borrow money to buy property and despite Australia’s high taxation environment, property investment can be very tax efficient.Let’s have a look at these advantages and some more beneficial aspects of residential property investment in a bit more detail.1. An investment market not dominated by investorsFirst of all, you need to realize that some seventy percent of all residential property is “owner occupied” and only thirty percent is owned by investors. That means that residential property is the only investment market not in fact dominated by investors, which means that there is a natural buffer in the market that is not available in the share market. To put it simply, if property values crash by 10%, 20% or even 40% we all still need a home to live in and so most owner occupiers will simply ride out any major crash rather then sell up and rent (compare this to the stock market where a major drop in prices can easily trigger a serious meltdown). Sure, property values can and do go down but they simply do not show the same level of volatility as the share market and property offers a much higher level of security.And if you don’t believe me when I tell you that residential property is a safe investment, then just ask the banks. Banks have always seen residential real estate as an excellent security and that’s why they’ lend up 90% of the value of your property; they know that property values have never fallen over the long term.2. Sustained growthProperty prices in Australia tend to move in cycles and historically they have done well, doubling in cycles of around 7 – 12 years (which equates to about 6% to 10% annual growth). We all know that history is no guarantee for the future but combined with common sense it’s all we have. There is no reason to think that the trends in property of the last 100 years would not continue for the next few decades, but to be successful in property investment you must be prepared and capable to ride out any intermediate storms in the market, but that applies to any investment vehicle you choose.Australia’s median house price between 1986 and 2006 as published by the Real Estate Institute of Australia (REIA) shows that back in June 1986 you would have bought an average home for $80,800. That same home would have been worth $160,500 in 1986, which is pretty much double of what you paid 10 years earlier. Another 10 years later in 2006 that average home was worth some $396,400. So between 1986 and 2006 that average home went up by nearly 400% or about 8.3% per annum.Not bad. And quite in line with the longer term history.In fact, as Michael Keating points out in his blog on 24th January 2008 (Why Melbourne’s properties will keep rising), it is actually on the low side compared to the historical average. Australia’s property prices have been tracked for something like the last 120 years and on average they have risen 10.4% per year. Just in case you might believe that had to do with Australia being a newly found colony, and don’t believe this would be sustainable in the long term, consider this. In the UK records of property sales go back till 1088 and analysis of the data shows that in those 920 years UK property on average has gone up by 10.2% per year.3. Buy It With Other Peoples Money (OPM) Now just in case the above has not been enough to convince of the value of residential property investment, let me tell you one of the great secrets of creating wealth, which also applies to investing in property. The secret is OPM. Other Peoples Money.Secret? No – that’s just marketing hype you see on the web, but the power of Other People’s Money or more common referred to as leverage or gearing is absolutely critical to building wealth. And, in the case of property the leverage you can apply is substantial. As I mentioned above, banks love residential property as security and therefore will easily lend you 80% or 90% of the value.It was Archimedes who said, ‘Give me a lever and I’ll move the earth’. Well, as an investor you don’t want to move the Earth, you just want to buy as much of it as we can! When you use leverage you substantially increase your ability to make profit on your property investments and, importantly, it allows you to purchase a significantly larger investment than you would normally be able to.Let’s have a look at how this works. Imagine there are five investors each with $50,000 to invest. Say they all buy an investment that achieves 10% growth per annum and has a rental yield (or return) of 5% per annum. Investor A borrows 90% of the value of his investment property (Loan to Value Ratio or LVR of 90%) and investors B, C and D borrow 80%, 50% and 20% respectively. Investor E doesn’t borrow at all and goes for an all cash transaction.Let’s start with cashflow, which is here simplified to rental income minus interest paid. Investor A, who geared 90%, has a negative cashflow of $15,500 for the year whilst Investor E who borrowed no money at all has a positive cashflow of $2,500. But that’s not the whole picture because each of the properties increased in capital value and once we include that the picture changes significantly, Investor A has a net worth increase of $34,500 whilst Investor E who didn’t gear increased his net worth by only $7,500. In terms of return on investment Investor A achieved a 69% return on his initial $50,000 whilst investor E achieved a return of 15%.That’s pretty impressive for one year. And if the investors let their properties grow one or two full cycles we’re talking about serious wealth creation. And once the investors have enough equity in their investment property they can use that to fund a second purchase which after a few years growth will allow the purchase of a third and we’re on our way to wealth! That is, those investors who geared as Investor E is not going anywhere fast.However, it is not all that easy. As you saw Investor A incurred a negative cashflow in his first year and would continue to do so for a few years until the rental income had grown sufficiently to pay his interest. He has to fund this annual shortfall from his salary. And this is called negative gearing – you borrow money to generate capital growth in your property but incur an annual shortfall in the near term. For most investors this means there will come a limit on how many properties they can buy with negative gearing, as they don’t have too much spare income. If you look in our strategy sections you can read more about negative gearing and techniques to avoid paying the shortfall out of your own pocket. We also address cashflow positive properties.But let’s get back on topic and have a look at some more compelling reasons to invest in Australian residential property.4. Income That Grows We’ve discussed that Australian residential property vestment is safe, with long term growth prospects and combined with the right level of leverage can create significant wealth. We also briefly touched on the fact that it generates a rental income. The good thing is, that over the years the rental income received from property investments has increased and this increase has outpaced inflation. In fact the last few years have shown tremendous increases rents – I know because the rent on my investment properties has been booming. Still is actually.Ok, but are rents likely to keep growing? Well, statistics show that the level of home ownership is slowly decreasing in Australia. There are a number of reasons for this like demographic trends but, in particular, as property prices keep rising, fewer people are able to afford their dream homes. The latest Australian Bureau of Statistics figures confirm that more and more Australians are renting and many industry commentators are suggesting that the percentage of Australian who will be tenants in the near future will go up to 40%. So demand is growing. We also know that supply of good quality rental properties is limited (very low vacancy rates across all of Australia) and the government is having difficulty providing public housing. So all in all, it is very likely that rents will continue to grow at a pace faster than inflation – good news if you intend to become a property investor!5. Tax EfficientWhen it comes to investing in property, your best friend is the bank as they provide the leverage you need to accelerate your wealth creation. Your second best friend is your tenant, as without a tenant your investment property would stand empty and your third best friend is the taxman.The taxman? Absolutely. How can that be when Australia is not know for attractive tax rates, in fact the opposite?Well, first of all the interest you pay on the loan to buy an investment property is fully tax deductible and if you own the property longer than a year you only pay capital gains tax over 50% of the gain. Add to that various depreciating allowances and you have the makings of a very tax efficient investment. If you do your homework, the bank will happily give 80% or 90% of the money you need to buy your investment property and once you own it, your tenant and the taxman will pay your interest and your rental expenses. Guess who gets to keep the capital gains, you! Talk about OPM.6. Millions of Millionaires And if the above doesn’t get you going, consider this: most of the world’s richest people got rich by investing in property. Those that didn’t get rich from property typically invested their newfound wealth in property.So, if the majority of wealthy people have used investment property to increase their wealth than why not use that knowledge to you advantage and do the same! There’s nothing wrong with seeing what successful people do and applying those principles to your own life.Even McDonalds make more money through its real estate than through selling burgers and fries as it owns most of the land and buildings in which it’s franchises are located!7. You Can Do It Too Before you say, it’s OK for the rich, but how the heck am I going to get into property investing, let me tell you this. You do not need to be very wealthy to get into property investment; it really doesn’t take large sums of money to get involved. And that’s because many of the banks will lend 80%, 90%, 95% and sometimes even 100% or more of the value of a residential property. As long as you have a steady job and a little starting capital (spare equity in your home) you can afford to buy investment properties.It has been shown over and over again that careful and intelligent use of real estate can enable ordinary people, like you and me, to become property millionaires in about 10 years. If you truly intend to become one of the wealthy people in the future, you should probably take a serious look at using property to your advantage.8. Too Much Hard Work? There are many ways to make money and some say that property investment isn’t that easy and takes a lot of time and effort. It takes time to get an understanding of the property market and how to go about investing in property. It can take weeks if not months to research areas and find the right investment property for you. And then it only gets worse, you have to organize finance, get a solicitor to deal with all the legal work. Just the finance and legal work can take 30 to 60 days. And once you own the property the work isn’t over, as you need to look after it and do your tax!Nobody said it would be easy. Nobody said you didn’t have to get your hands dirty.It will take time and you will have to work at it and educate yourself. But hey, if you are serious about creating wealth and retiring early then property is a great way to achieve that. And once you’ve started and get some experience under your belt, you’ll see that I gets easier, and actually the process of building a investment property portfolio can be very rewarding and a lot of fun too.So, to come back to the original question, my choice for property investment is based on the low level of risk and robust long-term performance property compared to the alternatives. Investing in property, if done well, is Simple, Safe and Reliable.Please note that this article does not include the charts and tables of the original article.