Sunday, April 29, 2012

What Exactly Is the Difference Between Leasehold and Fee Simple Property?

Each day I have buyers asking about the difference of Fee Simple Property and Leasehold Property, asking to explain Leasehold Property or wondering why Leasehold Properties will sell far below the price of a Fee Simple Property.

Please keep in mind that I_m discussing property under Hawaii_s laws and real estate regulations. Although there will be general similarities, your state may have some key differences. So consult your state's real estate laws before you apply this outside of Hawaii.


According to, this is how they are defined:

Fee Simple: An unconditional, unlimited estate of inheritance that represents the greatest estate and most extensive interest in land that can be enjoyed. It is of perpetual duration. When the real estate is in a condominium project, the unit owner is the exclusive owner only of the air space within his or her portion of the building (the unit) and is an owner in common with respect to the land and other common portions of the property.

Leasehold: A way of holding title to a property wherein the mortgagor does not actually own the property but rather has a recorded long-term lease on it.


When you purchase a Leasehold property, it will usually have a monthly lease payment you must pay to the fee owner. Not only that, you will also have an actual expiration date of the lease. That means that upon expiration of the lease, the fee owner will have the option to decide whether they want to continue to lease the property to you or take possession of the property.

In other words they can get the land back as well as your house and other structures on it. You can pay to have them moved, but consider the expense that could be involved. It's important that you think long and hard about that before making the purchase. A 50 year lease can make the expiration seem far, far away, but it will arrive and you or your loved ones will face having to walk away without the home you had all those years.

Leasehold property is a good option to use or occupy property for an extended period of time; however it needs to be properly researched to be done right. It's not for everyone. Just be sure it_s what you want to do before signing on the bottom line.

Saturday, April 28, 2012

The Best Betfair Horse Laying System

I'm sure you've heard about people making their living on the Internet, but how do they do it? There are so many ways to make money on the Internet: eBay, freelancing, multi-level marketing, online casinos, etc. and I'm sure you will have seen lot's of people telling you about the systems they use that have made them very rich very quickly. But how can you separate the wheat from the chaff' as it were? Is there really a fool proof way of making a regular income and if there is, what is it?

You have no doubt heard of Betfair and there are thousands upon thousands of systems promising you a great income by using theirs, however is backing winners or laying losers really as easy as these people make out?

In this article, I'll discuss a horse laying system that I created and how I did it, so potentially you could create your own or use mine...

Hello, my name is Stuart Anderson and I am an avid fan of statistics and how statistics can be used to give you an edge when gambling on the horses. You'll already know that people have been using statistics to win at gambling since gambling was invented. You'll also probably think that people who make a living from gambling are few and far between but these people do exist and there are more than you'd realise. These people are called professional gamblers and the people who aren't making a living are called punters.

So what's the difference between a professional gambler and a punter? It isn't luck as you might think, it's actually knowing that when you put your money down on a bet the chances of you winning far outweigh the chances of you losing therefore giving you the opportunity of making more money than you can loose. So how can you achieve this in horseracing? Simple: instead of finding a winner, we try to find a loser. There can only be one winner of a horse race (apart from in the very rare example of a dead heat which, according to Wikipedia, has only happened 7 times in the last twenty years) so finding a losing horse is statistically a lot easier than finding a winner

So that leads us to our first conclusion, a horse laying system rather than a backing system is the obvious choice for creating a revenue stream from gambling.

The next step is finding a horse that has a higher chance of losing a race than the odds that are being offered for it to win so we can keep our risk level at the minimum in case we are unlucky enough to find a winner. So our second conclusion is to only lay horses with low odds.

The horse with the lowest odds in a race is called the favourite, now you may be nervous about laying a favourite because as the name suggests it appears that this is the horse that has the most chance of winning the race, but this simply isn't the case. A favourite is simply the horse that has the most amount of money bet on it by, you guessed it, the punters. We already found out that punters are the people who lose money more often than they win. We don't want to be a punter!

It is a statistical fact that favourites in horse races loose more often than they win, if that wasn't the case anyone could make a fortune by just backing the favourite in every race. Indeed, backing every favourite would be a sure way of losing lots of money and this is why not even the stupidest of punter would ever try this system and if they did they wouldn't try it for long as soon all of their money would be gone.

Now obviously, favourites do win some races so now we need to add some further criteria into our system, and that leads us to our final conclusion: only lay the favourites in the types of races where statistically the favourite loses over 97% of the time.

These conclusions led to me developing a system with a good friend of mine: John Campbell who is also well versed in statistical gambling and financial trading.

Together we developed our system horse laying system:

The real key to the success of the system is that it uses all of the conclusions that we arrived at earlier in this article. By having some very strict bet entry criteria, out of up to fifteen potentially qualifying races in a day we may only get one or two actual opportunities, out of these opportunities we only take the first one that qualifies and this is where we achieve over a 97% strike rate. With this strike rate you can start making a living by following this system. Starting off with only a few hundred dollars you can quickly build up your Betfair account and start making as much money as you want.

You can try out the system to by visiting and signing up to the daily e-mail service that costs less than one Euro a day. The e-mail has full instructions of how to use the system and all the qualifying races for that day. We are so confident that the system will make you money that we offer a 7 day money back guarantee. You really have nothing to loose and everything to gain.

Just remember, the key to success is following the rules and walking away for the rest of the day as soon as your target has been reached. You'll be surprised how quickly your Betfair balance grows from just hundreds of dollars to thousands.

I hope you'll give it a try and find the same financial freedom the system has brought me, if not thank you for reading my article and I hope you found it informative and useful. Whatever you decide, good luck in everything you do.

Stuart Anderson

Thursday, April 26, 2012

App Store Optimization (ASO) - Is Your Mobile App Optimized?

App Stores are flooded with millions of applications and billions of them are downloaded every day by the users on their devices every month. This current scenario illustrates the rising competition among mobile apps developers for making their app more discoverable.
Therefore, it becomes quite difficult than creating the app itself.

This introduced a new term called App Store Optimization which means optimizing the developed app as per the standards to get the maximum organic traffic. For SEO's sketching app discovery techniques is all new fields to explore. Mobile marketing is a very strong plus competitive for increasing the app visibility along with building the brand name.

Is App Store optimization really needed?

The answer is yes. It is because mobile apps developers from all over the world are creating application and submitting them on all leading platforms which means your app can easily be overlapped by another. Here, arises the need of optimizing the app according to the search pattern of the users on App Store. It will not makes your app more visible but certainly generate organic traffic towards your app.

How we can do App Store Optimization?

These days many new factors are influencing the success and popularity of user's search results on App Stores. Apple's recent Chomp, app discovery engine and Google's use of Google+ endorsements influence on apps are examples of how users are searching the apps nowadays.

Here are some of the important tips that can influence optimization of search results on App Store:

1.App Name: It is advised to use a key search phrase in the Title (name) of your app.
Eg: your key search phrase is Love letters.
Your Title can be: Love letter writing
2.Include App publisher name: Incase you have an established brand name it is advisable to use publisher name in the title.
Eg. Amgen Medical Information
Here Amgen is the publisher name.
3.Apt keywords & description: Keywords play very important role. Analyze your app carefully and look for most relevant keywords suiting your app. Take assistance from Google Ad words or other tools. Also analyze your competitor's app which keywords they are targeting. This will give you fair idea about your own keywords. Write keywords rich descriptions, meta text, images and videos.
4.Reviews and Ratings: Always ask the user who has downloaded and used your app at least 15 times to give a feedback in the form of review or ratings. Also ask the experts to rate your app in terms of search results and functionality. This will give iPhone apps developers' actual status of their application.

Following these points with sheer research can actually generate better search results. Thus, it is necessary that you hire professional iPhone apps developers who are having clear idea about the optimization of apps as per the App Store.

Feel Free To get in touch with us for and

Tuesday, April 24, 2012

Economic Benefits Of Print Marketing

Have you ever questioned the benefits of marketing to businesses and to you personally? Marketing bridges the gap between you and the maker or seller of an item. In doing so, it helps make products more useful because you are able to purchase them when you need them. Marketing makes buying easier for consumers. It also helps to create new and improved products as well as lower the prices.

The functions of marketing add value to the product. This means that marketing makes the product or service being offered more useful. The added value in economic term is called utility.

There are five economic utilities involved with all products form, place, time, possession, and information. Of the five, the utility of form is the only one that is not directly related to marketing. The remaining four are marketing utilities.

Form Utility. It involves changing of raw materials or putting parts together to make them more useful. In other words, it deals with making, or producing things.

Let us look at a tree to determine its utility. In its original state, a tree has value as an object of beauty. It also prevents soil erosion and produces oxygen for us to breathe. When the tree is cut down to use in making other products, however, its usefulness increases. Lumber from the tree might be used to make pencils, paper, furniture, and buildings. The raw material (wood) becomes a part of finished items that have more value to us than the raw material itself.

The same would be true if a manufacturer were assembling parts into a product. For example, the parts of a chair (the wood frame, the fabric used for the upholstery, the glue and nails used to hold the parts together, the reclining mechanism), they are relatively useless by themselves. Putting them together adds form utility.

Place Utility. It involves having a product where customers can buy it. Businesses often study consumer shopping habits through their newsletter printing that include a survey column to determine where would be the most convenient location for consumers to shop. Some businesses decide on a direct approach by selling their products through catalogs, posters and newsletters. Others decide to rely on retailers for help in selling their products.

Time Utility. It is having a product available at a certain time of the year or a convenient time of the day. Marketers increase the value of their products by having them available when consumers want them. In order to achieve that goal, marketers must plan their operations well in advance.

Take for example, toy manufacturers who introduce their new products to retailers through cheap newsletters or full color newsletters at a toy fair in New York. That is when retailers decide which products they will sell during the holiday season some nine months later.

Retailers also offer convenient shopping hours to accommodate their customers. Mall stores open 10 a.m. to 9 p.m. while some convenience stores are open 24 hours a day.

Possession Utility. How do you come into possession of the items you want? Unless they are given to you as a gift, you generally buy them for a given price. That exchange of a product for some monetary value is what we call possession utility.

Retailers may accept alternatives to cash like personal checks or credit cards, in exchange for their merchandise. They may even offer installment or lay-away plans. Every one of these options adds value to the product being purchased. In fact, without these options, some customers would not be able to buy the items they want.

Information Utility. It involves communication with the consumer. Salespeople provide information to customers by explaining the features and benefits of the products. Packaging and labeling provide information to customers about qualities and uses of a product.

Try to study these economic benefits of marketing to be successful in your business field.

Saturday, April 21, 2012

Equipment Finance and Leasing Options

1. Equipment Rental

Equipment leasing is generally used for tiny items of apparatus, particularly office equipment such as computers and photocopiers. Simply, you have to pay a fee for use of the apparatus which might be for the fixed length of time, after which the apparatus is taken back, or in a more permanent or lengthened time period through regular transactions. There is also the potential of purchasing the equipment from the arranged leasing period. Leasing payments are generally completely tax-deductible.

2. Equipment Lease

There is certainly more than one kind of lease:

Your functioning or fully looked after lease: which will be when you do not have problems regarding the equipment you're renting. It can be fully maintained for you, so you accept upgrades when appropriate. Basically, you pay the supplier for the apparatus which is looked after for you. This kind of leasing which has a number of advantages, including you are not left having outmoded equipment, you haven't any servicing or repair expenses and you have no initial capital outlay.

Finance Lease: with a finance lease you have to pay a month-to-month rental for any equipment, with which has an decided residual value that one could pay if you want to obtain the ownership. Now this residual figure can be agreed between an individual and the leasor belonging to the apparatus at the time the agreement is done. You will be liable for servicing, although the payments are really tax deductible as there are simply no capital expenses.

3. Commercial Hire Purchase

Many people are generally no stranger to hire purchasing from a consumer angle, where you make regular monthly installments til you have paid the full cost of the product. In fact, it is less common now, as outright loans which now have taken their position where you own the item on purchase, and pay that finance provider, whereas with hire purchase you pay the merchant, which owns the goods til you have finalized your repayments.

Using commercial hire purchase of equipment, you only own the item with your last repayment, and just the interest you pay is tax deductible. Essentially, the owner is hiring the equipment to you, however on the last transaction the title transfers to you. Still, you would be responsible regarding upkeep, repair and also the destruction.

The extensive benefits to you of a commercial hire purchase of equipment are that you may structure the payments to fit your profits, you have no capital expense, and you will definitely think it is easy to budget those regular arrangements.

Chattel Mortgage

A chattel mortgage is different from hire purchase in that you own the gear. Your company includes a charge for your goods, in the same manner that they would have for your home in case of an additional mortgage. Meaning that should you sell the apparatus prior to paying off the chattel mortgage, the lender would have primary call on the proceeds to fund the remaining account balance prior to you get a single thing. You can find this kind of finance if the equipment is above 50% for organisation use.

You can request a balloon payment at the conclusion of your timeframe if you have reason to think that you will be ?n a position to meet a lump sum at that time. There's usually a maximum term of around five years in a chattel mortgage. It offers a few benefits, such as no capital outlay, so you can initiate your organization with little capital, you can start off paying less, making a larger payment by the end of the duration the moment you are actually on your feet, and there are specific tax benefits.

A chattel mortgage for products are a well known means of industrial equipment finance for top grade plant.

Lo Doc Equipment Finance

Lo Doc finance is made available for those such as self-employed that do not contain the usual documentation, like income tax returns and salary slips. Companies are generally offered this sort of finance to buy equipment with quite a few interest rate deals.

Friday, April 20, 2012

How Do I Start My Own Cupcake Business?

Have you been told your decadent cupcakes are the best and you should market them? The first step towards your dream is to come up with a creative and catchy name for your cupcake business. Once you have the name, follow these steps and soon you will be on your way to starting your own cupcake business.

Business Name

Register your business name with your state to legally sell your cupcakes. They will issue you a sales tax licence. You will also want to trademark your business name to legally protect it in case down the road you expand your cupcake business or go national with your product.


With loans being scarce, you can build your business on a little money and a lot of creativity. If you get a large cupcake order, ask for a deposit. This will help buy the items needed to fulfill the order. Put all the money made from your cupcake sales back into the business to help build it. Building your business this way takes a little more time, but it will help you keep debt free because you won't have loans to repay.


A creative, attractive label is very important. You can have one designed professionally, but the best idea would be to design the labels yourself. There are inexpensive label programs that offer step by step instructions that are easy to follow. This step will save you a lot of money.

Cupcake Flavors

Offer only a few of your most popular flavored cupcakes when starting your company. Offering too many cupcake flavors can overwhelm a small business starting out. Add more cupcake flavors as your business grows. You can also take orders for specialty cupcakes. Once you figure out your staple flavors, make a brochure with your information and cupcakes offered to hand out to potential clients.

Cupcake Prices

Competitively price your cupcakes so that you make a profit. If you price the cupcakes too high, you risk hurting the success of your business before it begins. Research what other bakeries are selling their cupcakes for in your area. If possible, try to offer your cupcakes for a little less.

Making the Cupcakes

Inquire about bakery licensing laws in your state. Many states offer a homestead license which is issued after they inspect your kitchen. You could also look into renting a commercial kitchen at your local church or VFW.


A great place to start selling your cupcakes is at a farmer's market or craft show. Go to your local markets and restaurants with cupcake samples for them to try. If they love your cupcakes, they will often place large orders that can help to fund your business.

Use these steps as guidance, and soon you will be creating a flourishing cupcake business that will successfully grow each year.