Marks Investing Blog

I am having a bit of time off from investing right now in regards to Forex. The market is all over the place and to be honest the HFT is starting to make bottom feeders like us small fry even harder. I have a few properties so I will focus on paying off the mortgages.

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The renovation strategy involves adding value to a property in order to onsell it at a higher price. Renovations may be as simple as cosmetic improvements (e.g. painting, floorings, etc), or as major as extending or altering the property in some way.

Someone else’s back is a buy and hold property strategy. It is based around Cash flow Positive properties. The aim of this strategy is to input as little as possible of the owners resources into their properties. Basically the tenants end up financing the property until it is entirely paid off. This will often be over a 25 year period although this will be reduced if the property is considerably cashflow positive since it’s excess income can be used to pay it off faster. Obviously this really only suits Cash flow Positive or Cash flow Neutral properties.

The Snowball is a buy and hold property strategy. The idea of the snow ball is very simple: purchase enough properties to make the investor financially free once they are all paid off. These properties can be Cash flow Positive, Cash flow Neutral or even Cash flow Negative, as long as the investor has a decent amount available above living costs and any additional costs imposed by these properties. It does work best with positively geared properties.

Every independent economist and financial expert says that failing to break up the giant banks is ruining the American economy. Former Fed chairmen Greenspan and Volcker agree, as do presidents of various Federal Reserve banks and high-level Treasury officials, and the “central banks’ central bank.

A little bit over the top with gloom and doom but worth a watch.

A table mortgage is a loan where you spread your repayments evenly over the term of the loan, commonly up to 25 ir 30 years. This means that at the beginning of the mortgage you are paying back mostly interest and only a small amount of principal.

Many investors have a set of rules which helps them focus effort when searching for property to buy. The rules will immediately create a shortlist of properties to investigate, by eliminating all those that do not meet the criteria.

It is widely recognised that property (along with other forms of investment) follows a predictable cycle. The New Zealand property cycle has three recognised stages of boom, slump, and recovery.

Just got this in my LinkedIn account – typical spammy BS

The decision about whether to manage one’s own rental investments or contract the job out to a Property Manager (PM) has many facets to it. Some say it’s a matter of how you value your time. Is it better focussed, elsewhere – like looking for more property investments?

Refurbishing your property can put money into your pocket When you do it correctly! So the question is “How do you do it correctly?”