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Computer literacy in this modern world has become a necessity rather than a prestigious course. Be it that you are in any industry apart from the computer studies it is of high importance to learn how to use the computer in everyday life.I studied computers in school and advanced in college to do a computer course and have realized how much a lot of the professionals in the other areas have missed by not being computer literate.I will mention four good reasons one has to be computer literate in this day.1. Computers will keep you up to date even after leaving school one has to continue studying to keep up with the pace and trends of the different industries, be it an engineer, nurse, or a social worker.2. Research and reference is easier done using the internet and case studies will be readily available such that some are for free thus resources found on the internet, this breaks the barriers of advancement of studies in the modern world.3. Communication barrier is lifted in the computer world because once one has internet connection on the computer it will be come almost for free to communicate with the rest of the world on the internet. People use emails, voice transmission software such as GTalk, Skype to call other people on the internet for free that is breaking communication barriers in all aspects.4.Online publications such a newspapers keep you informed and mostly they are for free than the hard copy that is a paid for one, thus reducing cost of information and making it readily available to everyone who has access to the internet connected computer.It is a very important tool to be computer literate in this modern world and I propose computers should be made compulsory in the education system so that everyone should know their way around computers in the day to day world. It will increase productivity in the industries because imagine before you do what ever task one has to have a research of it to complete the task if we are using computers it will be a very a efficient means of information source and storage.Computers have become an essential source of information hence they are inevitable to the modern world. Computers store information for future reference and easy computations so if we are to learn long time ago we used libraries but now we can have the libraries in the computer. Let’s use the computers to keep up with the trend.Alois T Chanakira is the chairman of ATP technologies a web hosting company www.atptechnology.net. For any domains that you would like to purchase visit their web site.

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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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