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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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5 Wedding Photography to Watch Out for in 2014

Wedding photography has changed a lot since our parents got married three decades ago. That said even though photography trends have changed there are very few couples who know much about the latest trends or upcoming trends. This often means that they don’t know exactly what they should be looking for when hiring a photographer to cover their wedding. The important thing that wedding couples should always remember when hiring a professional is to never hire one simply based on if or not they are using the latest and the most expensive equipment. It should be based on their portfolio and if they are able to shoot your wedding based on the latest trends, five of which have been described below.Trend no. 1: Celebrity wedding styleAlmost every wedding couple may want to feel like a celebrity and this particular wedding photography style makes it possible. This particular style brings red carpet style posing to wedding couples. The resulting pictures are often of couples who are acting out famous movie and music video scenes. This allows for the photographer to create new and unique themes which look like photos on a glossy film magazine cover.Trend no. 2: Soft toned black & white picturesBlack & white film cameras may have been replaced with their color counterparts a long time ago but there was a certain class that these monochrome pictures had. Today even with the latest photography equipment many photographers like the black & white effect especially when it comes to wedding photography. The amazing thing about this sepia or soft toned monochrome photography is that it is very classy, clear and stylish, it can also be edited to suit certain themes and artistic tastes.Trend no. 3: Very deep color themesA growing number of wedding photographers are leaning in the favor of using a combo on low light photography and dramatic skies to produce pictures that are stunningly deep. This effect is usually achieved during weddings that take place at night or during the reception which is under an open sky. However, if you opt for this particular photography style the professional should be able to provide you with a few tips on what you’ll need to do in order for the pictures to turn out as expected. This type of photography is ideal for beach weddings.Trend no. 4: Candid photographyThis year we may see a growing number of couples opting for candid photography because it combines their unique acting talent with the photographer’s ability to shoot their best sides. However, even though a lot of the candid shots will be composed but they need to look spontaneous which can be difficult. So, many wedding photographers will start by creating a scene in which couples need to act spontaneously just so that the pictures don’t look planned.Trend no. 5: Bold colorsThis type of photography literally turns up all the bold colors at the wedding party. So colors in the flowers, the dress, accessories etc. will all pop. Many professional wedding photographers will provide their clients with a list of bold colors that they need to use. Any shortfall in bold colors will then be filled during post production.

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