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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Is Responsible Gambling Possible?

Most people gamble for the fun and excitement of that big win, or to test their mettle against worthy opponents in games of skill, but gambling is about money and there is always the risk of taking the game too far.

Ensuring a conscientious and entertaining gambling environment is both the casinos’/poker rooms’ and the players’ responsibility.

Players need to play at casinos or poker rooms with the highest degree of trustworthiness, transparency and legitimacy. It is also important for players to bear the following in mind at all times during their play:

o Gambling should be entertaining and not seen as a means to making money.

o Keep track of the amount of money you spend and only gamble what you can afford to lose. Do not chase your losses.

o Keep track of the amount of time you spend gambling.

Does your casino or poker room have a responsible gaming policy?

While most people gamble for enjoyment, gambling can create various social and economic problems and very possibly cause harm to some individuals. These problems can range from over-spending to pathological gambling addiction.

Make sure that the casino you choose is committed to creating a responsible gaming environment, and has therefore gone to great lengths to implement and maintain the responsible gaming requirements of the international online gaming industry watchdog – eCOGRA (e-Commerce and Online Gaming Regulation and Assurance). This certification is for the benefit of both players and the casinos or poker rooms themselves.

What does the eCOGRA Seal of Approval mean for you?

To receive the eCOGRA seal casinos or poker rooms must undergo stringent inspections of everything from customer service centers to accounting systems and from responsive complaint procedures to financial guarantees.

The award of the seal confirms that the casino or poker room has met eCOGRA’s strict admission criteria, and signifies that that they have shown absolute commitment to fair and honest gaming, superior player support, and prompt payouts. As a player, this seal of approval can provide you with total peace of mind when enjoying your favorite online games.

Social Learning Theory

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