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Posts published in February 2019

Masa Kini dan Masa Depan Perjudian Online

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Pada bulan Maret 2011, salah satu kasino online utama mengumumkan bahwa pihaknya telah menangani satu blackjack yang ke-1 milyar. Dan ketika Anda memikirkan berapa banyak kasino web yang ada, itu memberi Anda beberapa gagasan tentang seberapa populer mengunjungi kasino online. Ketika kasino online pertama ditayangkan pada tahun 1996, tidak ada yang bisa memprediksi lika-liku, perubahan, dan pertumbuhan besar industri akan mengalami, terutama ketika Anda menambahkan di perangkat seluler pintar, yang menemukan jalan mereka ke tangan lebih banyak setiap hari.

Statistik oleh Nielsen Media Research pada tahun 2010 menunjukkan bahwa di Inggris saja, lalu lintas perjudian online meningkat 40% dibandingkan 2009. Juga ditemukan bahwa 46% pemain online adalah wanita dan sekitar 50% adalah pria paruh baya dengan gaji di atas rata-rata. Dan di AS, National Annenberg Survey of the Young menemukan bahwa sekitar 16% pria berusia perguruan tinggi mengunjungi kasino online setidaknya sekali sebulan, naik secara dramatis dibandingkan angka tahun 2008 Togel HK.

Banyak tempat perjudian online memuji peningkatan popularitas untuk pengembangan standar industri oleh kelompok-kelompok seperti eCOGRA (eCommerce dan Regulasi dan Jaminan Permainan Daring), responsif yang lebih baik terhadap layanan pelanggan, dan komitmen untuk menyediakan situs yang lebih aman dan berkualitas lebih tinggi kepada pemain. Metode pembayaran yang lebih baru mulai online, dan lebih banyak pilihan mata uang dan bahasa juga membantu pertumbuhan situs perjudian di seluruh dunia.

Salah satu wilayah dunia terbesar untuk perluasan judi online adalah Amerika Latin. 33 negara ini, dengan populasi sekitar 570 juta, siap untuk investasi oleh perusahaan judi web. Faktanya, investor di berbagai bidang seperti penyedia layanan keuangan dan operator server online dengan tajam memandang Amerika Latin sebagai front untuk ekspansi.

Alasan utama daya tarik untuk memperluas permainan online ke Amerika Latin adalah infrastruktur telekomunikasi yang ada, termasuk ketersediaan luas broadband dan internet seluler. Pada tahun 2009, akses internet mencapai hampir 200 juta orang Amerika Latin, dan itu tumbuh pada tingkat 30% per tahun.

Pertaruhan online seluler tampaknya memiliki potensi terbesar untuk pertumbuhan di Amerika Latin, karena penetrasi perangkat di kawasan itu mencapai 80% pada 2009, yang berada di atas rata-rata dunia, dengan jaringan seluler mencapai hampir 500 juta orang. Pasangan ini dengan grafis yang berkembang pesat dan fitur permainan khusus untuk perangkat seluler, dan jelas mengapa kasino online mana pun yang ingin memperluas akan mempertimbangkan kawasan ini dengan baik.

Namun perjudian perangkat seluler bukan hanya fenomena Amerika Latin. Perangkat seluler semakin populer di mana-mana, dan kasino web yang mengembangkan aplikasi untuk itu adalah orang-orang yang akan menjadi yang pertama dalam antrean untuk memanfaatkan pasar ini.

Pertaruhan online telah berlangsung cukup lama sejak tahun 1996. Terdapat lebih banyak peraturan untuk membantu meyakinkan konsumen, dan lebih banyak pilihan pembayaran dan mata uang tersedia. Platform grafis dan perangkat lunak lebih baik dari sebelumnya, kasino-kasino mengambil pandangan baru pada layanan pelanggan, dan perangkat genggam genggam seperti ponsel Android dan iPhone membuka sektor baru dalam perjudian online. Singkatnya, ini adalah waktu yang sangat menyenangkan bagi industri perjudian online.

Hadiah Islami Yang Dibawa Kembali Dari Umrah?

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Ide Islami tentang memberi bakat meningkatkan kasih sayang dan cinta antara saudara dan anggota keluarga. Itulah alasan mengapa Nabi Muhammad (SAW) pernah menyatakan, "Memberikan saran hadiah kepada yang lain, karena saran hadiah memerlukan cara dendam." Karenanya banyak pria dan wanita memberikan hadiah satu sama lain dalam berbagai kesempatan untuk memasarkan emosi kehangatan dan kesukaan satu sama lain. Peristiwa-peristiwa eksklusif seperti ketika datang dari Haji dan Umrah adalah beberapa periode ketika sebagian besar lebih suka bertukar hadiah Muslim bersama dengan orang yang mereka cintai dan anggota keluarga
Paket umroh bulan ramadhan .

Potensi hadiah Muslim terbaik siap dijual di kota-kota yang melampirkan Kabah; rumah tangga Allah beserta masjid-e-Nabi. Wilayah metropolitan Mekah dan Madinah akan menjadi tempat menarik di Kerajaan Arab Saudi tempat para peziarah dari seluruh dunia muncul dan hidup. Penduduk asli telah mendirikan banyak mal, toko, toko, dan toko sebagai cara untuk memudahkan sejumlah besar orang melihat dua kota besar setiap tahun. Ini arcade terlihat mengambil semua
macam

hadiah Muslim yang orang dapat kembali setelah mereka selesai bersama dengan doa dan ziarah mereka.

Biasanya hadiah mutlak Muslim yang paling umum yang dapat dengan mudah diperoleh di dalamnya selain beberapa daerah metropolitan lain di Arab Saudi termasuk hal-hal seperti tasbih, tikar doa, replika Islam, dan perhiasan semua Ka'bah mereka dan banyak masjid terkenal di negara ini. . Seiring dengan semua barang terkenal ini, air minum dalam kemasan yang disebut sebagai "Aab-e-ZamZam bersama dengan attar juga akan mudah diakses oleh pengecer. Seperti disebutkan pada umumnya dikembangkan di Arab Saudi, ditambah lagi mereka sangat mementingkan kepercayaan dari Islam," semua bermacam-macam bea cukai regional ini juga menghasilkan kontribusi Islam yang luar biasa oleh properti tempat tinggal Allah. Bangsa Arab telah memperluas tanggal komunitas mereka sendiri sehingga menciptakan industri menjadi benar-benar ruang lingkup dan juga telah menghasilkan banyak variasi dalam produk akhir ini yang dirancang untuk dijual. terdiri atas kacang-kacangan istimewa yang dikemas dalam inti, lotion, keju, dan cokelat yang dijejali bersama-sama dengan jenis-jenis biasa lainnya, untuk alasan itu para pelanggan dapat memilih dari pilihan besar untuk kembali ke tanah air mereka.

Hadiah-hadiah Muslim lainnya yang mungkin tertarik dengan perjalanan Umrah terdiri dari novel-novel Islami yang sangat baik yang melatih tugas melaksanakan Umrah, yang merupakan keuntungan luar biasa bagi anggota keluarga dan teman-teman baik yang belum pernah mengalami kebebasan bergerak. Orang-orang yang meninggalkan rumah mereka sendiri untuk mengejar ziarah ini kepada Allah, maka mereka harus memilih berbagai hal untuk ditunjukkan terdekat dan tersayang tergantung pada properti mereka yang kembali.

Why Invest in Commercial Properties Instead of Single Family Homes?

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While there are many people who seem to believe that investing in residential real estate and single-family homes is the way to go, investing in commercial properties is much better. Instead of focusing your real estate investing on residential properties focusing on commercial properties is a better option for a variety of reasons.

First of all, when it comes to investing in commercial properties, you will not have to worry about personally qualifying for a loan. The property itself qualifies for the loan. You usually will not have to worry about personally guaranteeing the loans when it comes to investing in commercial properties. Non-recourse financing is the type of financing most often used for commercial real estate investing. If your loan is foreclosed on, the bank will take the property, but they can't come after you personally. Also, it will never affect your personal credit score.

You will also have the opportunity to deal with professional tenants when it comes to investing in commercial properties, instead of dealing with the tenants that come with residential properties, which is a huge benefit.

Another reason to invest in commercial real estate is to maximize your potential for profit on any one deal. You would have to invest in a lot of single-family homes to generate the kind of profit you can make on one commercial real estate investment.

So, with the proper education and training, it can be the right move to break into the field of commercial real estate investing.

How Much Money Will You Need?

Before you start purchasing commercial properties, it is important that you know how much money you are going to need to get started. Even though you will be able to get financing for your properties there are still going to be some fees that you are going to have to pay for on your own. So, how much money should you have available? Well, for the pre-closing and closing costs you are going to have to pay, you should have about 3-5% of the amount of the loan available, as well as 10-20% of the purchase price for the down payment. While you may not need that much money, it is best to plan on this amount just in case.

Where to Get the Money

Once you know how much money you will need, you are probably wondering where you can actually get the money. There are a variety of different places that you can get the money you will need. Commercial mortgage brokers are one choice. There are also some private lenders that may be able to provide you with the money that you need, so be sure to consider all of your options.

Using the Money

When you actually are ready to get the loan for your commercial property you will probably have to explain to your lender what you are going to use the money for. This means that you'll need to be able to communicate to the lender what you are going to do with the money. There are several things that you may have to do with the money. You may need to use the money to acquire or purchase the property, and in this case, the lender will probably be able to loan you about 80-90% of the money you will need. In some cases you may need to use the money for a refinance of a property and the same amount will probably be available to you for refinancing as well. You may also need to have the money for construction of the property, including renovations, rehabilitations, and building that occurs on the property.

Keeping Yourself Protected

When you decide to invest in commercial properties, it is important that you keep yourself legally protected. Many people sue over a variety of things in today's world, which means you'll need to have plenty of protection. Be sure that you never own the properties in your own name, or you could be sued personally. You need to have a LLC or a corporation. This way, any lawsuit would be directed at your company and not at you personally.

Investing in Real Estate – Should You Buy Residential Or Commercial Property?

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We hear this often from real estate investors: "What's the smarter move? Residential or commercial investment property?" It should come as no surprise that there isn't a one-word answer to this question. You'll arrive at your best choice -- the one that maximizes your chances for success -- by working through a decision process that includes some "global" issues, some local and some that are entirely personal.

Definitions

Let's start with some terminology. For the purposes of our discussion, we'll define as residential any property that derives all or nearly all of its income from dwelling units. Single-family homes, multi-families, apartment buildings, condos, co-ops are all residential. (FYI, the tax code classifies any property in which 80% or more of the gross income comes from dwelling units as residential, so many mixed-use properties can be classified as residential for tax purposes.)

For commercial property, we'll use a typical layman's definition: property that derives its income from non-residential sources, such as offices, retail space and industrial tenants.

Why do I say that this is the layman's definition? Because appraisers and lenders would consider large (>4 unit) apartment buildings to be commercial investment property since they are bought and sold strictly for their ability to produce income and not as a potential personal residence for the owner/investor. However, it will suit our discussion better to treat all apartment buildings as residential properties.

Global Issues

What are the global issues that should affect your choice to buy residential or commercial property? The state of the U.S. economy certainly tops the list. If you believe we are in or are on the brink of a recession, then it makes sense to be cautious regarding commercial property. You will have to rely on businesses to occupy your commercial space, and if they're struggling to survive or simply deferring their plans to expand, then rental rates may soften and demand for space decline. Replacing a lost tenant -- especially one lost unexpectedly (in the middle of a lease, or the middle of the night) because of a weak economy -- can take longer than it might in unstressed economic times. When the economy and employment are strong, of course, you are likely to see the opposite. Service businesses need more space, retailers open more stores, distributors need more warehouses.

Another issue is the cost and availability of financing. Interest rates are always important to investors, but there is one situation that may strike you as counter-intuitive. When home loans are readily available and mortgage rates drop, it's not uncommon to see an increase in apartment vacancies, making apartment buildings less desirable as investments. The reason? Low mortgage rates and easy credit often mean that individuals can own a home at a monthly cost that is the same -- or less, after taxes -- than renting. So part of your potential tenant pool may be lost to home ownership.

Local Issues

In the real world, each of these global issues comes with a "however" attached. You need to stay on top of your local market because that market may contradict the national trend. For example, highly restrictive zoning regulations can mean that commercial space is always in short supply in a particular location, recession notwithstanding. And the cost of single-family homes in your community may be so high that there will always be a strong demand for rentals. Think globally but act locally (with apologies to environmentalists for borrowing their slogan).

Personal Issues

You could buy a property and then insulate yourself from it by turning over every aspect of its operation to a management company. But if you've never operated a property yourself, how would you know if the management firm is doing an acceptable job? Most investors begin as hands-on managers and your chances of success will be greater if you choose a type of property that you're comfortable with.

So, at the personal level, will residential or commercial suit you better?

Unless you were raised in the woods by wolves, there is a very good chance that you've spent most of your life in a residential dwelling unit: a single-family house, a condo or an apartment. You have a first-hand understanding of the rights, obligations and appropriate behavior of a residential occupant. If you were a tenant, you probably also know something about the roles and responsibilities of both tenant and landlord. It is for this reason that first-time investors often lean toward buying a small residential building. You may not know the fine points of leasing and landlording, but you understand the basic ground rules. This is familiar and comfortable territory.

Understanding Commercial Property Investments

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Do you ever feel that you should be looking more at investments in commercial property in the saturated residential property market? If this is in your mind, you are joining the new wave of investors who wants to diversify their investment portfolio with the unstable economy.

How big exactly is the commercial property market? Generally speaking, commercial property investment is not as straightforward as residential market. In Malaysia, it is almost sure that any piece of residential property will be lapped up the moment it is launched, and everyone at some point of their life will be looking for a house of their own. Some may buy a piece of residential property and rent it out instead. For commercial properties, there are a lot of other considerations.

  1. Location

Location is a very important factor when it comes to investment in commercial properties. It may be true that a lot of people are looking into creating their own business, and it will not be too hard to find someone to rent your property start their business, but if the location is not right, the chances for renting out is slim.

When you wish to invest in a commercial property, look around to see whether there are other residential properties which will support the business. You may want to take a good look at the whole development project, and check residential population surrounding the commercial lot that you are aiming for.

Also, do check if the area is a flooding area, or are there any other disadvantages. Parking space is a very important factor of consideration for any business to thrive in this modern world, and you ought to make sure that there are parking spaces near the property you wish to invest in.

  1. Features

Sometimes, the success of commercial properties also comes with the features included in the project itself. For example, some properties may be managed by the developer, with facilities such as wi-fi zone, making the commercial blocks into event venues or even being selective about the types of business and brand name to qualify as tenants. Some commercial properties with such strict criteria about tenants include BM Utama in the mainland Bukit Mertajam, and Straits Quay in Penang island.

Both are project examples of two contrasting backdrop. Straits Quay is a high-end sea facing project by E&O, with very high traffic coming from its branded tenants and expensive condominiums and landed property support. Meanwhile, BM Utama is a 7-unit exclusive commercial lot owned by BM Utama's property developer, DNP Land, and is meant to become part of the lifestyle support for the almost sold-out BM Utama. The 7 units are called The Gallery, which is available for leasing only, to ensure the quality of retailers.

  1. Price

Although people are talking about market price, as an investor, you should take into consideration the price and the size of the property. It is important to note that your property lease are usually based on long term contracts, and for some cases may span for 10 years instead of the normal renewable 1 or 2 years for residential properties. Also, you need to remember that returns from residential property comes from the capital value increase, but for commercial properties, it comes from income. Although commercial properties generally will cost more than residential properties, you will still need to sieve through to see if the investment can really bring you back a good return. Is the rental price of that property able to cover the loan that you took for the purchase?

If you are buying the property for the sake of making it into a hub for your own business, then it is up to you to ensure that the business that you are going to do will bring in enough sales and income to cover for the loan repayment of the property.

Commercial property leases provides an average contracted income stream of about 7 years.

  1. Ownership

When you buy any property, you need to be very clear about the type of ownership that you have. Is it a freehold or a leasehold property?

Although leasehold properties are usually released with a certain amount of payment when the expiration term arrives, there may also be conditions where the land is taken back for new development. When the lease-land period is almost reached, property prices will drop significantly.

You also will want to check on the previous ownership of the property. Most properties may have more than one owner sharing the ownership of the property, so you should get a background check about this with a trusted lawyer, also to find out if there are any underlying problems to why the property is up for sale. Make sure the property sale gets consent from all legal owners.

Commercial Property Investment Mistakes and How to Avoid Them

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You've probably heard about the commercial real estate bubble, here's the ugly truth that lenders and other insiders don't want you to know. Despite all the hype, not every commercial property is in trouble. The key for you as an investor is to avoid certain pitfalls and learn from other investor's mistakes.

Before the economic and credit boom that has led into the recent downturn, conventional lenders capped loan amounts at 65 percent of the value of the property. This means that your $10 million commercial property would qualify for a maximum loan of $6.5 million. The current problems with commercial property investments started when hedge funds and private equity lenders began offering much higher loan to value ratios, meaning they would lend against your investment property with as much as 80 percent of the value of the real estate.

Mistakes Made by Commercial Investors

Some investors decided to refinance their $10 million commercial property for $8 million and get $1.5 million out tax-free! What seemed like a great deal at the time has come back to ruin the typical commercial property investment. The problem was that these loans needed to be refinanced after five years. Owners who pulled money out of their investments like this began down a path that has led to the troubles we are seeing now.

Fast forward from then to now and you'll see that the entire economic climate has changed. Most sources of financing for commercial real estate have dried up. Owners with a property that needs to be refinanced are finding that unless the LTV ratio is 65% or less and the property is performing perfectly, it's almost impossible to get refinancing for their commercial property investment.

You can't tap into those hedge funds and private equity firms because many of them have gone out of business. So you are left with two options:

1) Create a workout with the existing lender where they refrain from foreclosing against your property in exchange for a slight increase in the interest rate, or other benefit that you can give the lender. In some cases the benefit to the lender is that they don't need to take your property back. The truth is that the lender really doesn't want to take back your property if they can avoid it.

2) Bring other investors into your deal by offering them a decent rate of return on their investment along with giving them a chunk of your equity. Make sure to contact a commercial property investment attorney who can help make sure that you meet all of the SEC guidelines if this is the path that you choose to go down.

What Makes a Safe Commercial Property Investment

The problem with many owners of commercial properties today is that they got into a deal with a bigger loan than they should have. Now, these commercial property owners can't ride out the recession because the loans are coming due and they're short, or worse, upside-down.

Investment rule #1

-Leave the equity in your property.

· Successful property owners don't pull out their equity at the top of an up cycle; they leave the equity in their commercial property investment so they can ride out the downturns. The "commercial meltdown" doesn't apply to property owners who left their equity untouched. While it's true that the commercial property values have come down from a high peak. The typical commercial real estate investment is far more valuable today than it was 10 or 15 years ago.

Investment rule #2

-Stick with conventional lenders.

· By taking a short term hard money loan commercial owners placed themselves at the mercy of the fickle market. A conventional lender would not have financed more than 65 percent of the property value, allowing the owner with a cushion against fluctuating property values.

How To Find Commercial Properties To Buy

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So how do you find commercial properties that fit into your investment criteria? It can be challenging and it may take a while but it is definitely worth it.

Before you start your commercial property search, you should know: what type of property, what rate of return (cap rate), and how much money you want to spend.

And before you start looking for properties all across the U.S., I would suggest that you concentrate in your local market until you have enough experience to venture out.

So you have all of those questions answered, so lets take a look at different sources for finding properties.

Commercial Realtors

I would say that your best bet is to find a good commercial realtor to help you in your search. Not only can a good realtor locate the properties but they can also provide assistance with your due diligence (notice I didn't say "do" your due diligence). Also, the seller of the property will usually have a realtor, so it is in your best interest to have someone representing you. By the way, it is usually the seller that pays the commission, so you won't have any expenses with the realtor.

If you've done your homework and know exactly what you want, you shouldn't have any problem finding a realtor to work with you. I would interview at least 3 agents to make sure that it is a good match between you. A good realtor will find commercial properties that you have outlined, as far as type and price. On the other hand, don't waste their time either. They get paid at closing, so don't have an agent spend a year finding properties for you and you can't make a decision or if you're scared to make that leap. Nobody likes to work for free, so be aware of that.

To find a commercial realtor, you can go online to the National Association of Realtors or you can also ask for recommendations from other investors or check out your local newspaper.

So for whatever reason, you've decided not to use the services of a realtor, what other ways can you find commercial properties?

Internet

The internet has exploded with different websites to help you find commercial properties. The most popular is loopnet.com. They offer free & paid viewing sources. If you are a serious investor, then pay the monthly fee to get the best properties. Also there is another website, costar.com. This site is geared towards commercial realtors but it offers excellent products.

Of course, there are other real estate forums and user groups where you can find commercial property for sale. The only down side to the internet search, is that it is very limited when you are searching for local properties. For local properties, try craigslist.com.

Networking

An often overlooked method for finding commercial properties is through networking. You can go to your local real estate investment group and post a flyer indicating that you are looking for commercial properties. You can try this also at Chamber of Commerce meetings. Also, join a local group of building owners, apartment owners, and shopping center owners associations.

The above methods will offer you the best opportunity to find commercial properties. However, you can also try the classifieds in your local newspaper or thrifty paper. You can also drive around and look for "For Sale" signs. They might not be the quickest way to find a commercial property but it can't hurt.