Travel Tips to India

India is an unique blend of modernization and age old traditions. So, if you are planning for a vacation in the myriad land of India, than you must gather some travel tips before stepping here.Unlike the Western countries, India is not a liberal country. Indians give respects and religiously follow their age old traditions. So, its very important to maintain social rules and regulations for traveler, if he or she wants to experience an enriching and comfortable holiday in India.When going to Guajarat, factors you need to take note of include the clothes you need to wear, shopping districts and how to go about in finding the best attractions. During the summer season, it is best to carry light cotton fabrics and your hats, sun glasses and trusted sun block lotion. During the rainy season, cotton is still appropriate but you also need folding umbrellas. During the winter season, do bring jackets and woolen fabrics.An interesting accommodation option available all over India are the Maharajah’s palaces and forts now converted into hotels. You can find these royal residences in the middle of a lake, in a forest, or on a hilltop, and they are surprisingly affordable.The green land of Kerala (God’s own country) draws a number of tourists from all over the world to experience the joy of living on waters. Backwaters of Kerala are specially maintained in a way to offer you the pleasure of staying on traditional houseboats- ‘Kettuvalloms’.When it comes to the best romantic destination, Agra (because of the symbol of love- the Taj Mahal) and the temples of Khajuraho top the chart.Ajanta and Ellora Caves: These beautiful caves were built more than 2000 years ago. They were built by Buddhist monks – these monks cut some amazing sculptures in the rock caves. The caves are located in Maharashtra.Sun Temple: This temple is located in Orissa. It was built in the 13th century and is a temple for the Sun God. This temple is one of the architectural wonders of the world – apart from the temple itself, the surroundings of the temple is filled with natural beauty.Regarding getting Delhi-belly as a first time traveler to India, here’s the consensus. Most people do in fact get sick in their first week, if they’re eating at even reputable local restaurants, more certainly if they’re eating from roadside stalls or drinking anything with milk or yogurt where the local electricity supply is unstable.Toiletries such as hand sanitizers, water purification tablets, bath salts, mosquito repellents, and sunscreens are a must during India tours. Though your hotel rooms and bathrooms will most probably be very well furnished, you won’t easily find public restrooms in Indian villages or even smaller cities. Even if you do find an occasional clean one you permit yourself to use, forget about toilet rolls.Wildlife in India is also very fascinating. During India tour tourists can enjoy of safari into 55 national parks teeming with wildlife to catch glimpse of the tiger. The most fascinating wildlife tour in India is Rajasthan wildlife tour. There is Ranthobhore National Park in Rajasthan which draws thousands of tourists eager for a glimpse of the tiger.

Factors You Should Keep In Mind While Evaluating The Property

Precisely determining the value of real estate plays important role and increases your chances in building wealth in real estate deals. A thorough real estate education helps a lot to check out the properties for primary evaluation of real estate.Checking Out the PropertyInvest some time and go for online real estate education. You will find numerous courses like Georgia real estate education, Florida real estate education giving you helpful tips to check out the property. Say, your last stop will be 476 Evergreen Drive, the subject property. How does it compare to your comps in condition? Is it bigger in square footage or smaller than most? Is the lot bigger or smaller? Does it have the same number of bedrooms and bathrooms? Are there impacts or amenities close by that will affect the sale price in relationship to the comps? This is why comparing a property is more an art than a science.Compare with Neighborhood PropertiesFrom your comps, you want at least three neighborhood properties that closely match the square footage, bed/bath count and lot size of 476 Evergreen Drive, your subject property. If those three are all pretty close in condition and there are no outside factors, the sale prices should be close together.Making any adjustments for size and/or room counts, the subject property market value will be in the range of the 3 closest comps. If there are a lot of properties listed for sale and they are all listed at a lower price, you’ll need to look at the listings closer; they could define the current top market value. Nevertheless, if there aren’t any current listings or just a few and those few are listed at a higher price, you might be able to support a higher value upon resale.Other factorsBut wait, you say, my subject property needs a new roof, there is no landscaping and the house has not been painted since it was built, the plumbing leaves something to be desired, and the electrical needs updating. Market value is going to be determined by the area the property is located in. Rehabilitation (Rehab) is often a requirement to bring a property up to its Fair Market Value. Even if you are inclined to become a successful broker then you should go through a proper real estate broker education.Does the property require considerable renovation?Obviously, no one is going to pay finished market value for a property that needs significant rehab. That’s where you, as an investor, come in with the knowledge and capability to accomplish a rehab allowing for the property to be sold at it’s fair market value. Your objective is to acquire the property at a price low enough to allow for rehab, and holding costs until the property can be sold at market value earning you a profit.If you are inclined to learn more, enroll yourself in any real estate investing course. In simple terms, fair market value is generally what a buyer is willing to pay for a property whose owner is not selling under duress — a variation of that time-honored trading axiom, “what the market will bear.”

Students Guide to Online Writing

Being a student, you develop expertise in writing as part of your education. As your writing ability is naturally refined, why not earn money and capitalize on this skill? The ability to write is in high demand and can be capitalized right away! You’re perfectly positioned to take advantage of this ability through online writing jobs, enabling you to earn money. Online writing jobs are fitting online jobs for students, providing many employment opportunities which focuses on the ability to work where you desire (Either it end up being hip nearby cafe or at the convenience of your house), along with a versatile schedule, commonly preferred by students.

So, what is required to be able to write online?

Let us start by considering the type of web-based writing jobs out there. Online writing jobs are quite general, you can find a vast number of subjects that can be mentioned ranging from scientific articles (good for students seeking scientific degrees like chemistry and engineering), to a lot more leisurely subjects which can include fashion and fitness. If perhaps these areas interest you, a number of internet based writing positions to look for are highlighted below:

  • Writing a Blog
  • Proofreading Jobs
  • Content Writer Jobs
  • Evaluating Products
  • Editing Jobs

So one might question, exactly what are the prerequisites to secure online writing jobs? Shown here are several of the prerequisites companies seek out:

  • Interest in writing
  • Ingenuity
  • Personal drive and interest
  • Concise communication through writing
  • Capability to study and collect information about a specific product or subject matter

Being a college student, you’ve undoubtedly fulfilled the prerequisites above, helping you land an internet based writing opportunity. A few companies might prefer college students already seeking qualifications in marketing. With regards to technical writing jobs, companies may desire someone who is experienced in a certain area or subject (for instance: capability to proficiently work with specific software). Some companies could favor somebody that is an expert in the subject matter. Even though this isn’t generally needed, possessing these abilities will be an advantage in obtaining additional jobs.

If you are an inexperienced online writer, the common responsibilities you may be tasked with can consist of analyzing a specific subject matter, gathering these details to better your understanding on the subject, and to utilize this information for advertising opportunities or perhaps to provide the information for your boss to write about.

Online writing jobs present an abundance of possibilities for students to generate income from their set of skills, enabling students to supplement their income while working on their college degree. Web-based writing also offers you with an additional occupational option should you develop a desire for the job and way of life, exploiting the opportunity can allow you to be independent from the typical corporate world.

Online writing jobs provide the work location independence and flexible schedule many student desire and are one of many online jobs for students available that offer these same attributes.

Real Estate is Not a Good Investment

With falling property values, the stock market on a roller coaster ride and the economy worsening many people will wonder if it is time to start investing in real estate again. The answer to this question is a very simple and very obvious one: not any time soon.

Pending home sales fell by nearly 30 percent in June according to the National Association of Realtors. Many people will see this as an opportunity to pick up but bargain properties as investments but it is not.

Real Estate is Overvalued
The reason why people should avoid real estate investment at this time is that real estate is still way over valued in most of the United States. In many areas homes that are worth less than $100,000 are still being sold for $200,000-$300,000 and condominiums that are worth less than $100,000 are still being sold for a half million dollars.

If you don’t believe me take a look around your area, drive or walk around and look at the houses for sale. Chances are you’ll see broken down old dumps with smashed windows and shingles falling off the roof for sale. Do a quick Google search on those properties and you’ll discover that they’re probably selling for $100,000 or more.

The market for commercial property is even worse, I know of one depressed Colorado town with high unemployment where questionable retail space is renting for $900 a square foot. This space is being leased in a building in a very cold area where natural gas the cheapest fuel for central heating in the US is not available. This means heating costs will be double or triple those in an area where natural gas was available. Not surprisingly that retail space has been sitting empty for years.

Sooner or later the market will catch up with all that over priced real estate and property values will fall to realistic levels. My guess is that real estate prices in most areas of the United States will still have to fall by 25 to 50 percent to reach a realistic level of value. This means that persons who invest in property now could loose 25 to 50 percent of their investment.

Properties are Over-Mortgaged
The main reason properties are overvalued is that many of them are over-mortgaged. Over the past few years it was so easy to get a mortgage that many people put two, three, or even mortgages on their properties.

Many pieces of property are mortgaged for more than they are worth, they are “underwater” in real estate parlance. Media reports indicate that as many as 25 percent of American homes could be “underwater.”

One terrible situation out there is that many property owners who want to sell can’t because they know they couldn’t make enough from the sale to pay off their mortgage. Naturally, nobody will want to take over the mortgages on those properties because they would loose money. This means that a lot of real estate can’t be practically or legally sold at this time.

If this wasn’t bad enough, a lot of those underwater properties are encumbered by all sorts of liens, especially tax liens. This means that anybody who takes over such properties will be faced with a big legal bill.

There Will Be a Glut of Foreclosed Properties on the Market
Anybody who has followed the news over the past couple of years knows that are hundreds of thousands of homes in foreclosure. This means that people haven’t been able to pay their mortgages and have been evicted. To this figure we can probably thousands more homes where the owner has simply walked away and the mortgage holder hasn’t bothered to take the property back yet.

Many of these foreclosed properties are sitting empty and off the market right now. Quite a few realtors won’t touch foreclosures because of all the problems with them so they’re hard to sell.

Sooner or later all of those foreclosed properties are going to come on the market and drive real estate prices down further. In cities like Detroit and Cleveland where a large percentage of the homes are in foreclosure full sized homes in some neighborhoods are selling for less than $20,000. We’re going to see similar situations across the country in the next few years. When this occurs, the value of real estate in many cities such as Denver, Las Vegas and Los Angeles will fall to levels rivaling those of Cleveland and Detroit.

Property Taxes are Too High
To make matters worse we’ll soon see a situation where property taxes will exceed the value of the property in quite a few areas.

This will occur because in many areas of the country property taxes are based on “property value.” Unfortunately this property value has little or nothing to do with market value. The values used to determine property taxes are based on a figure determined by a government official usually the County Assessor in most areas this individual is elected and needs no training or expertise. In many areas it is based on what “comparable properties” sold for in the recent past. Not surprisingly the local government sets the property values as high as possible so it can collect as many taxes as possible.

In other areas the property taxes are based on what the property last sold for. This means if you bought your house for $500,000 in 2005 but its now worth $100,000 you would still be taxed as if the property was worth $500,000.

The property tax situation will make the foreclosure mess worse because many owners won’t be able to afford to pay their property taxes. Many owners will simply walk off and leave the property to be seized by the local government and sold at a tax auction for pennies on the dollar. Many of the foreclosed properties will also end up at the tax auction because nobody is paying the taxes on them which will greatly increase the real estate glut.

When to Invest in Real Estate Again
Naturally people will ask: when should I start investing in real estate again? The best answer to this question is when the real estate market hits bottom which should be in about two years.

At that time we’ll see a real estate investors’ paradise with great properties selling for $50,000-$100,000 or less. Many people will be able to pick up tremendous bargains at foreclosure and tax auctions.

Until then your best strategy is to avoid real estate investment and keep your money in money markets, stocks, foreign currencies, CDs or precious metals. If you have a lot of cash I would recommend that you put it in precious metals like gold because a collapse of the dollar could be just around the corner. If the Euro collapses because of the European debt crisis it will bring down the dollar. Some foreign currencies such as the Canadian and Australian dollars and the Swiss Franc will be good investments too.

It would also be a good idea to sell off any property other than your home that you own right now. That way you will be able to avoid taking a huge loss on it in the future. For seniors who have no mortgages on their home, I would recommend taking out a reverse mortgage and investing the cash from it in stocks or precious metals. This way they can still live in their home and cash in.

Real estate is simply not going to be a good investment in the United States for the next five to ten years. Smart people should start seeking alternatives to real estate investing now.