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~Archives~
Thursday, September 6, 2007

~Credits~

Why Bulgaria
Because no other European country offers better value for your money!
Located in South Eastern Europe, Bulgaria is bordered by Greece and Turkey to the South, Romania to the North and Macedonia and Serbia to the West. Its Eastern Border is formed by the beautiful Black Sea Coast. A country of outstanding natural beauty the environment remains unspoilt and is incredibly varied. A relatively small country, a few hours drive will take you from the snow covered central Pirin mountain Ranges to the long sandy beaches of the Black Sea coast.

Forming the heart of several of ancient histories greatest civilizations Bulgaria's rich culture is reflected in a vast number of architectural treasures. Only Greece and Italy have a greater number of historical monuments. Throughout the country you will find ancient Greek sites, Roman amphitheatres and Byzantine churches. The country is home to 160 monasteries, 36 cultural centres and 40,000 listed archaeological monuments. Seven sites have achieved a coveted place on the UNESCO world heritage list.

What is the cost of living in Bulgaria?
Bulgaria is said to have one of the lowest costs of living in Europe. A wonderful meal for 2 including wine will rarely exceed around £7.00 GBP. The cost of a 10 minute journey in a taxi will only be about £1.00 GBP. Cigarettes cost just 40p per packet and a day out in a museum or the theatre will cost just a couple of pounds. A quality beer will cost 25p!

Quality of life
First time visitors to Bulgaria are surprised by its diversity and its stunning natural beauty. For years a real effort has been made to preserve the country's rich and unspoilt flora and fauna. As a result, Bulgaria is ecologically one of the purest countries in Europe, with exceptionally clear air and water resources. There are 7 national parks, more than 3000 protected natural sites and 17 bio-spherical reserves (the greatest recorded number in Europe). There are also 419 protected animal species and 63 protected types of plant.

Not only is the quality of life in Bulgaria good, but the cost of living is one of the lowest in Europe. A meal for two, made from locally grown and organically pure products and including a bottle of nice wine will rarely cost you more than six or so pounds. A quality beer will cost 40 pence!

The Black Sea Coast of Bulgaria (Map)
The 380 kilometres of beaches are amongst some of Europe's cleanest and safest. Many of them have been awarded prestigious "Blue Flag" status. The region enjoys average summer temperatures of between 25-30 degrees. The season extends from April to October. Coupled with the renowned low cost of living it is easy to see why the Black Sea coast provides and an ideal summer destination – and is surprisingly easy to access from an ever increasing number of European Airports.

Even though the Black Sea coast is an established tourist area, with resorts such as Sunny Beach attracting tourists since the late 1950's, it has recently become one of the fastest growing summer tourist destinations in Europe. So fast growing in fact that last year demands for tourist beds outstripped supply by 20%!

Bulgaria is said to be the fastest growing holiday destination for 2004 and at least 200,000 Britons were likely to visit the summer resorts this year - nearly double last year's total. Next year three new major UK tour operators will also be offering summer holidays in Bulgaria.

The Bulgarian winter resorts (Map)
Modern Borovets is one of the largest and increasingly popular winter resorts in the Balkan region. It is situated on scenic northern slopes of the Mousala Ridge in the east of the panoramic Rila Mountains. The resort lies huddled in thick pine forests some 1390 meters above sea level. The area has a long history – attracting people to ski here since as early as 1896 – taking advantage of the many pistes which rise to a staggering 2,600m!

The resort is a perfect place to enjoy excellent facilities off pist as well as on the snow. Many restaurants are clustered around the well appointed and superbly equipped major hotels, making dining a real pleasure with an endless array of contemporary and traditional eating places available. Borovets is the perfect place to relax and provides many other recreational opportunities throughout the year. The climate is considered to be healthy, enjoying beautifully clean air, mild winter temperatures and of course mountains of snow! Usually the slopes at Borovets are covered in snow from mid December through to April.

Borovets is also easy accessible- 12 minutes of first class road connects it with Samokov, the most sizeable town in the area. Sofia is just 45 minutes away. There is a regular bus transport into Samokov every 30 minutes and excellent links from there to the capital.

Bansko is considered by many to be Bulgaria's number one ski resort. It has the most modern ski facilities in the country and is a well-established destination for winter sport enthusiasts from all around the world. The town of Bansko is located 925 m. above sea level, and its ski slopes vary in altitude from 2000 m - 2600 m above sea level. It is some one hour from Sofia, but only 10 minutes from the bustling town of Razlog. Bansko has developed into a favorite ski & snowboard destination, but also boasts unique architecture, has many historically significant sites nearby, as well as beautiful scenery and countryside for miles around.

During the recent years a multi-million Euro investment in a brand new state of the art skiing area has been made by Yulen, the company that is the licensed to provide the facilities within the Bansko skiing resort area. Furthermore, Bansko enjoys plentiful snow and therefore the season stretches from early December through to May! The longest season of any Bulgarian resort! During the last couple of years the resort has seen a massive investment in new prestigious hotels and recreational facilities .A brand new extension to the resort area also includes holiday apartments adjacent to the central hub of the Gondola and ski lift system.

Both Bansko and Borovets have bided for 2014 Olympic.


Customer Service û the Real Estate Revolution
Customer Service û the Real Estate RevolutionTraditionally, real estate has been viewed as a salesindustry. But perceptions are changing. Agents around thecountry are coming to believe that the key to real estatesuccess is service û not sales.By Glenn Murray *Competition and technology now give customers almostunlimited choices, so agents are having to work harder andspend more to win listings. They're discovering thatbusiness success comes from repeat business andword-of-mouth.And customer service is the key.Loyalty and good-will can't be bought û not even with thesale of a house. Customers like to be treated with honesty,respect, and integrity. They want a realistic and accurateproperty appraisal. They want an agent who commits toaction. They want to be able to speak to someone who canhelp them when they call. They want to feel welcome whenthey walk into the office. They don't want theirintelligence insulted by advertising. They don't want to befed a line (even if it is what they'd like to hearà).Agents with business sense know that if they can providethis customer service û if they can pioneer great customerservice in real estate û they'll have a real edge on theircompetitors. Far from being an impediment to success, theysee today's marketplace as an opportunity to flourish.Obviously, the sale is still critical, but it's part of agreater whole û almost like a critical KPI (Key PerformanceIndicator). It's based on the simple premise û serve and youwill sell. The premise holds true because all thepre-requisites of a sale are intrinsic to good customerservice: The price is realistic, the marketing isintelligent, the advertising appropriate, and commitmentsare made and kept. Vendors, buyers, landlords, and tenantsalike receive the same high level of customer service.5 Quick Tips for Finding a Service Oriented Agent1) Ask to see references û It's not that much different froma job interview. Think of the agent as the job seeker, andencourage them to prove their customer servicequalifications. The right agent will be only too happy toprovide as many references as you'd care to see.2) Analyse their business growth û Assuming their referencesare in order, ask after their business growth. Referencesprovide you with qualitative evidence of customer focus. Youshould supplement this with something quantitative. If theagent is still growing rapidly in today's environment, thenthey must be doing something right.3) Analyse their market share û Like growth, market sharecan be an indicator of customer focus. Ask what their shareof the target market is.4) Observe their behaviour û Do they return phone calls? Dothey commit to action? Do they meet their commitments? Arethe punctual? Do they keep you informed? Do they rememberimportant details you provide them?5) Gauge access to staff û When you first called, did youget to speak to someone who could help you? If not û if theytook your name and number and told you they'd get someone tocall you back, this might be indicative of their customerservice approach.* Glenn Murray heads copywriting studio Divine Write. He canbe contacted on Sydney +612 4334 6222 or atglenn@.... Visit www.divinewrite.com for furtherdetails.


How You Can Use Rehab, Refinance and Cash Out as Long-Term Wealth Building Real Estate Investing
Today we are discussing a somewhat advanced strategy for you to use after you have been in the creative real estate investing business for a while. I call this "Rehab, Refinance, and Cash Out". This strategy can lead to true long term wealth and financial independence. This works very well in a buyers market like Memphis where prices have been quite flat for some time. You need to use this to augment your wholesaling for immediate income and retailing for bigger short term profits. Rehab, Refinance and Cash Out is a long term wealth building strategy and will be something you will be glad you did as it is a long term buy and hold strategy, and those are the strategies that lead to true wealth accumulation and financial independence.
Let me explain how this works. You find a good middle to low end 3 bedroom home that you are able to buy from an out of state owner or other motivated seller that needs a little work and you buy at 60% of after repaired value. You buy the house using a hard money lender like http://www.pleaseclose.com/memphistrading and do your fix up and have a property management firm manage the property and put a renter in the house. The hard money lender will typically loan you up to 65% of the after repaired value to purchase the house which you use to buy the house and then repair it. Now that the home is repaired you obtain an investor friendly mortgage and cash out by refinancing at 80-90% of after repaired retail value and you should be doing this with properties where this strategy gives you back at least $10,000 at the refinance that you can use in your business any way you need. Do not use this money to live on, use it solely to grow your real estate business. Once you have done this strategy on 10 homes you should be able to keep finding better and better deals because you can close quickly as you have cash in hand to make things happen. More cash equals better deals and more opportunities.
By the time you repeat this strategy 20 times you should have at least $200,000 cash plus about $200,000 equity and 20 homes giving you at least $2000 per month positive cash flow whether you decide to work this month or not since you have a property management company handling things for you. With average annual rent increases, within five years that $2,000 a month should grow to $4,000 a month. In 30 years you should have $2 to 3 million plus in paid off real estate. It's a good solid long term strategy to add to your immediate selling from wholesaling, retailing and lease options that the extra $200,000 in cash will help grow tremendously.
The rent minus the management fees and all loan and other costs must leave you with positive cash flow or this strategy should be avoided. If you cannot cash out on the property I don't recommend holding it long term as you want to be able to use your best mortgages to cash out.
You can purchase using http://www.pleaseclose.com/memphistrading if your Equifax credit score is above 550(which is bad credit) or you have a co-borrower who has an Equifax score over 550. A good investor friendly mortgage company will give you good rates if you are at 660 middle score or above and the very best rates if your middle score is 720 or above. Your first 10 investor mortgages in your name and 10 in your spouses name are the easiest to qualify and get the best deals. After those you really need a good investor mortgage company to work with. Take the time to find the real investor friendly mortgage companies that can help you get loans for 100 properties and not just the first ten and let them have the easy ones and the tougher ones. I do recommend having more than one good lender available though, but stick to the ones that specialize in investor loans. Find out from other investors who the most investor friendly mortgage companies are to use to refinance the repaired home.
I do not advocate becoming a landlord as I do not believe this is a valuable usage of your time and energy. I highly recommend asking around and finding a good property management company that will charge you 10% or less to start out with and gradually lower that % as you add more and more properties.
I feel this is an advanced strategy as you won't see any cash in your pocket from this strategy for 4-6 months after you find the deal which is a long time to work and not see any pay. If you are wholesaling and making consistent money each month then it shouldn't matter. This strategy will magnify the profits you make in your investing business in ways you might not have imagined. This strategy is a natural progression from wholesaling as you are already helping others find these kinds of deals, now you will be able to get the cash out typical of probably 2 wholesale deals, just paid slower, and at the same time building a nice future nest egg.