How to Become a Property Financier

Why should you become a property financier? To answer that I need to ask you another question. Why do you invest in property?You probably have the following three reasons.1. It gives you chance to make outstanding profit potential through using your bank’s money2. It provides you with a steady monthly cash flow; and3. Provided you buy sensibly it is a safe investment!!!However you also know what are the absolutely worst things are about being a landlord.1 You have to put up with annoying tenants and pay the costs for all repairs to the property after they have trashed it!! There are also other large costs involved in owning property.2. You can tie up a lot of cash – as much as 20% of the value of the property.3. Property cycles can last as long as 20 years. We are now in the middle of a housing bust. If you have bought or are thinking about buying now you might not see much cash from your property until you sell in the next 10-15 years.In short, although I love property, it also has its headaches. This is why I love being a property financier!! It gives you the freedom of investing in the safe property asset class and provides you with fantastic monthly cash flow. So what is property financier. In short it is a person, or group of people (commonly called a ‘syndicate’) who lend money to property developers in order for the developer to use the funds to build a new property or to improve an existing property to significantly enhance its value.For example the property developer finds a site to build a house on. He knows he can buy the land and build the house for $200,000 and sell it for $350,000. The developer takes his plan to the bank who like it and provide him with 80% of the funding for the project (just like Buy to Let mortgages, a bank will not provide 100% funding) on the basis that the bank will take a first charge over the property. The developer therefore needs to obtain a further $40,000 in funding.This is where you come in.You look at the developer, the site, the plans and the area and think that this house will have no trouble for selling at $350,000. You agree to lend the Developer (or lend part of the money in a syndicate) the $40,000 on the basis that you receive a second charge over the property after the bank (this basically means that if the property is sold, the bank is entitled to its money first and then you are entitled second). Because you are taking a second charge, your risk is greater and therefore you are entitled to charge a high rate of interest on your $40,000.This is the juicy part!!!Typically, as a private investor you will be looking to receive 2-4% per month on your money. 4% on $40,000 is a whopping $1,600 per month you will receive in your pocket, every month for the life of the loan. Now that is what I call explosive cash flow!!! And what have you done – nothing other than carefully check out the investment and the developer. Of course you don’t get to keep the property at the end of the project, but you do get your money back plus a dynamite return and you did not experience one property related hassle!!! Your investment is also fairly safe in that you will have carried out your due diligence on the project AND you have the second charge.
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The Male Chastity Lifestyle and How to Make it Fun!

It is my opinion and observation that many couples take the male chastity lifestyle far too seriously. Or, rather, they’re too solemn about it since as British comedian John Cleese once pointed out, the opposite of fun isn’t serious; it’s solemn.

And while I think being serious about how you treat it is perhaps a good thing (after all, having your penis and testicles locked up in, say, a stainless-steel chastity belt is a pretty serious business, as indeed is their health and safety and insisting on regular cleaning and inspection).

But there’s no need to be all po-faced and solemn about it, just as there’s no need to be po-faced an solemn about sex in general. After all, if you look at sex objectively it’s pretty funny, what with all the funny noises and faces you pull, the positions you get into and the wet and slimy squelching.

Looked at like that, it’s nothing short of hilarious – and if we can’t see the funny side, then we’re not going to enjoy that side of our lives very much. When I was a young woman, new to sex, the first time I heard that sudden, rasping escape of air from my nether regions, I wanted to die. I was SO embarrassed. I actually finished with my boyfriend of the time because I was so embarrassed.

But now, some (mumble) years on, I realize it’s actually amusing, something for you both to laugh at.

And the male chastity lifestyle is no different!

For a start, getting a chastity device or belt on is not always quick and easy. It is lovely to imagine you can get him all hot and steamy and quickly slip it onto him with a flick of the wrist, but you’re ignoring some simple laws of physics here. In the same way a square peg won’t go into a round hole, an erect throbbing penis won’t go into a narrow tube without lube, concentration and, as often as not, a few ice-cubes.

And you’ll find the male chastity lifestyle is full of these amusing (if you’ll let them be amusing) little quirks and hiccoughs.

For example, he might find it a solemn occasion when he goes down on his knees and begs you to take his key, but, frankly, it’s actually pretty funny. I don’t mean you’re laughing at him per se but you’re laughing at yourself, the two of you and the whole situation.

And if you’re both being solemn about it and you get the urge to giggle, well… it’s like laughing at a funeral. No one’s happy and it tends to spoil the occasion.

But it won’t if you…

Lighten up and realize the male chastity lifestyle is supposed to be fun!

Serious fun, yes; but fun all the same. And then there are the devices themselves. Some of them actually do look pretty hot. I think the stainless-steel belts like the Tollyboy look fantastic on a man. But some of them look frankly silly when seen objectively, just as sex itself is funny and faintly ridiculous when you’re looking at it dispassionately.

Yet, I think the real danger of allowing solemnity to creep in is when you really want it to be serious and fun, like when he’s starting to get desperate to orgasm and it is, in all truth, becoming difficult for him.

Then you have two choices: be solemn, and get mad at him; or be serious and fun and gently remind him of why you’re both doing this and with love and compassion, coax him through these difficult times.

A little compassion goes a long way in the male chastity lifestyle as it does in every other walk of life. You can be loving and compassionate and keep that sense of serious fun and yet still be strict in your demands. You can have fun and laugh with him rather than at him without having to give in at the first hint of a moan, gripe or complaint.

You can just be YOU

The image of the fire-breathing, aggressive and man-hating dominatrix you must become if you want to live the male chastity lifestyle is a false one, invented by those who know nothing about the reality of this delicious game. It is a fun way to live, and anyone can do it without having to become something they’re not and would never want to be.

Statistics Programming – Easing the Pain

Different sets of software are being developed everyday just to ease man with some of his technical works such as in the field of business. These programs are specially designed to make high speed calculations and analysis of the data and come up with a soft copy of information output that can be used instantaneously after the software processes it. Statistics is one of the most complicated clerical works of anyone who is studying or working in the field of economics, politics and even social matters. Statistics is deemed to be of importance because it gives a type of descriptive conclusion or interpretation that can be very precise depending upon the quality of data that has been gathered and the competence that is given to organize, interpret and represent that data. But even with the level of competence that a person has with regards to his statistical skills, there is still a probability that a miscalculation might be made and alter the holistic outcome of the statistics.

However, because of the rapid advancements of technology and the evolution of the functions that can be performed by the humble computer software developers has come up with a certain software program that can make ease any statistician of all their statistical tasks. The development of a program that is able to perform the task of organizing and interpreting statistical data was q revolutionary breakthrough when it comes to statistical analysis help. Statistics programming is defined as the systematic calculation of all the numerical data that has been downloaded into the system wherein it is organized basing upon the categories. These categories are classified upon the nature of the data that has been downloaded. After the process of organizing the data, it will be then interpreted numerically. This function of statistical programming helps to lessen the burden of work and also to maximize the output of a statistician.

Statistical program is composed of sets of languages. There are a total of 17 categories in a statistical program and these are the following;
• Analytica, ADMB
• Gretl, GAUSS
• Mathematica
• OxMetrics
• Quantum (Programming Language)
• Programming Language, SPSS, Symbolic Data Analysis, Sysquake, SAS (software and language), Speakeasy(Computation), SHAZAM (Software)
• World Programming System
• XLispStat

Each of these categories of Statistics Programs has their own unique sets of functions. Each one of it is capable of performing specific functions about statistics. The MATRIX LAB is one of the statistics programs that are widely used today. It is a program that is provided by a certain company that is said to be fully capable of solving ad coming up with solutions with regards to any mathematical or numerical problems that are fed into it. The MATLAB assignment helps not only statistics but also other aspects that majorly require the use of mathematical equations and solving. Because of these software programs, statisticians are given more time to pay attention to other details of the data and leave the organization and the interpretation of it to the statistics software.