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Written by knlrm

March 13, 2013 at 5:41 pm

Posted in Earning online

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Earn income with rental real estate

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In previous post  I said don’t invest your money in property but there is some ways for earning money by renting properties.Here I will show you How to earn by renting real estate.

Real estate investments have gotten a bad rap since the real estate market crashed back in 2006.  However, when done properly, rental real estate is an excellent investment to own. Real estate investments return cash in three ways:  Tax Benefits, Operating Income, and Capital Appreciation.  Stocks and bonds only have two ways of earning cash: stocks through dividends and appreciation; bonds through interest payments and appreciation.  Stocks and bonds do not have any tax incentives, only potential tax liabilities.

When I invest in real estate, I focus on tax benefits and operating income.  I do not focus too much on capital appreciation because I view rental properties as long term investments that will be able to weather the ups and downs of the real estate market. Lets take a look at the first of three ways rental real estate earns a return – Tax Benefits.

Tax Benefits

The IRS allows owners of rental properties to write off the depreciation of the “improved value” of the property.  When looking at a property tax bill, the property is divided into land value and improvement value.  The improvement value usually refers to the value of the building on the property. Rental real estate is depreciated over 27.5 years.  To determine how much of the property is depriciatied every year, simply take the improvement value of the property and divide by 27.5 years.  Here is an example: Read the rest of this entry »

Written by knlrm

September 24, 2011 at 3:10 pm

Posted in Uncategorized

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Don’t invest your money in property

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I highly believe housing market is not for everyone. I mean working professionally as a job. I’d suggest taking that money and starting a business with the money instead of freezing all your cash in a big investment. Here’s why :

1. If you own a house you are going to pay for maintanance.

2. You are not able to move anytime you like.

3. House is not a good investment after all, between 1980 and 2004 housing price went up 0.4% per year ! While for stock it’s 8% per year !

4. It’s a rule of thumb for some ( more than 90% ) professional investors. They won’t put all their eggs in one basket. But when you buy a house , it’s usually more than 70% of your wealth. With a crash like 2008’s , you’d lose 35% of what you’ve saved in your whole life !

5. Your real state agent will always charge you a huge money !

6. You’re probably going to have to take a mortgage, mortgage equals stress, don’t go near stress.

7. I’m not sure if it applies to everyone , but me personally, I like change. Living in the same house for 50 years is boring to me.

There’s a belief that , instead of throwing away my money every month, I’d simply buy a house and pay my mortgage and have my house by the end of the mortgage.

First, let me tell you, by the end of the mortgage you wouldn’t care if you owned a house or not. Your kids are going to enjoy the house you paid for.

Secondly, If you are going to pay a mortgage to own a house, It’s the same. A long-term mortgage is just another form of renting. You are paying a portion of that mortgage (That you will never see again). It’s the same thing.

8. Everyone has a passion. Does something better than others. Or at least tries to get better than others. Use the money and start the business of your own.

9. You are probably going to miss some great Investment Opportunities, just because you have that money in property.

Written by knlrm

September 24, 2011 at 8:03 am

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50 ways to save money

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Saving money and being more frugal is neither a science nor an art; rather it is somewhere in between and requires your commitment and hard work. Saving money takes time to develop, needs to be learnt, and brings benefits that will endure for the rest of your life.
Begin to save money today. Do not put it off. Saving money is within your control and can bring you huge benefits. You will reap the rewards of saving money for years to come. Whether you save money on travel, save money on insurance, or save money on heating bills, remember every little counts – start today and save money every day.
I have collected together 50 ways to save money.
1 Buy cars used
2 Don’t fly or take vacation during peak travel season
3 Don’t go shopping just because there is a sale
4 Ride your bike to work, or take public transportation
5 Never drink and drive
6 Eat before you go food shopping
7 Make your own coffee
8 Limit your dinners out to once a month
9 Don’t drink alcohol
10 Cancel magazine subscriptions
11 Use coupons
12 If you’re a going bald, shave your head
13 Sell Stuff on eBay
14 Stop smoking cigarettes
15 Don’t buy junk food ever again
16 Cancel your gym membership,You can work out at home
17 Rent out an extra room in your house
18 Learn how to do basic home repairs and maintenance
19 Drive the speed limit
20 Take vacations nearby
21 Eat less meat and more beans for protein instead
22 Never buy extended warranties
23 Create a budget
24 Use open source software
25 Settle all of your credit card debt
26 Always pickup your food, never get delivery
27 Don’t buy bottled water
28 Never finance anything except for your home
29 No more fast food
30 Drink water
31 Buy frozen veggies over fresh
32 Plan your menu for the week
33 Use your shopping list
34 Make your house airtight
35 Get rid of newspaper subscriptions
36 Grow your own spice and vegetable garden if you can
37 Wash your own car
38 When traveling, carry food
39 Fly & return mid-week
40 Party at home
41 Only withdraw from free ATMs
42 Turn off the lights
43 Use Skype or Google Talk
44 Never impulse buy anything
45 Book in advance
46 Beware tourist areas
47 Buy clothing out of season
48 Buy in food in bulk
49 Get a large freezer
50 Don’t play the lottery

Written by knlrm

February 5, 2011 at 10:36 pm

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