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Have Your Cake And Eat It Too

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I'd be the first to defend Britain against its harsh critics. I'm very proud of our British heritage and really wouldn't want a permanent base anywhere else. But I must concede that our unpredictable climate does leave quite a lot to be desired. I can remember last summer, when my wife and I planned a barbecue for family and friends. All morning we were looking anxiously at the black, threatening clouds, wondering 'will it, or won't it...'? Well of course it did. The rain teemed down all afternoon, the barbecue wouldn't light and we all had to resort to the kitchen, crammed in like sardines, trying to cook dozens of sausages and burgers in the oven. It just wasn't the same.



Imagine how wonderful it would be to have a retreat in a place where clear blue skies and sunshine are virtually guaranteed and where rain is a rarity, rather than the norm. For me, when I just want to get away from it all for a while, the answer would be a holiday home abroad. A pipe dream? Not necessarily. These properties are not all nearly as expensive as you might think. Some can be bought for less than many of us would spend on a new car. And the investment potential can be considerable.

But where to choose?

Bulgaria is becoming increasingly fashionable with tourists all over Europe and property there is now acknowledged as one of the finest emerging investment opportunities in south east Europe. This intriguing, historic country boasts clear blue lakes and rivers, magnificent mountains and gorges and natural hot water springs. The unspoiled beaches, hospitable people and superb cuisine combine to make this an ideal choice for a home away from home.

Enjoying a current property boom, Turkey also offers outstandingly good investment potential. With miles of spectacular coastline, deep azure seas, pine-clad mountains, rich culture, fantastic climate and welcoming people, it's little wonder that it's become so popular with the millions of investors and tourists who visit its coast each year.

Egypt, too, is fast becoming a favourite destination for those who favour a country steeped in ancient history and with a climate that is hot and dry. With a high build quality and very low property prices, Egypt and its Red Sea Riviera are presently a very appealing option for investors. Other compelling factors include the prospect of excellent capital growth and an already solid and ever-expanding 'buy to let' market. In short, Egypt represents a great investment opportunity.

If you fancy looking further afield, what about beautiful, lively Brazil, a country of amazing diversity, marvellous weather and with an economy that is thriving and set to become one of the world's largest? Brazil has some of the world's best beaches and the favourable exchange rate and excellent capital growth result in more and more investors buying property there.

For those whose taste is for the ultimate in cosmopolitan, you could do no better than to consider the south east Asian country of Malaysia with its incredible blend of eastern and western cultures. If you choose to buy a property here, there's every chance that you'll be making a sound financial investment. Malaysia is so close to the equator that you'll also have the benefit of a year round tropical climate.

For me, Spain, with its fabulous landscape, fascinating culture, kind winters and glorious summers has always appealed and I can understand why so many tourists flock there year after year. I can picture it now... a classically designed villa with a stunning mountain view and a balcony overlooking a large, landscaped garden and swimming pool, just minutes away from a golden, sandy beach. Investing in a property here represents excellent value for money. The cost of living is very much lower and it's only a short flight away from the UK. In fact, shopping around on the Internet, you can probably find quite cheap fares available at any time of the year.

So, for those of us dyed-in-the-wools who could never bring ourselves to leave these shores forever but who hanker after a place in the sun, it is possible to have our cake and eat it. And not a soggy barbecue in sight...
Have Your Cake And Eat It Too
Most people end up buying their own home at some point in their life. Generally they achieve this by saving a deposit and then borrowing the rest of the money required. As they pay their mortgage down they are progressively increasing the proportion of the property that they actually own. This percentage that they own is called their equity in the property.

A second way that equity in the home increases is through capital growth of the property. If you bought a home and initially had a loan of 80% of the value and in ten years time your home had doubled in value then that original loan would only be 40% of the current value even if you hadn't paid a cent of the principle. Your would have equity of 60% plus whatever you had paid off the loan.

By the time the typical American reaches their forties they have substantial equity in their home as a result of reducing the mortgage combined with the capital growth of the property. That same American is likely to have very little in investments or savings because they have been putting their money into paying the house and raising their family.

This average person is on the road to being broke in retirement and doesn't think that they are in a position to do much about it but they are actually living in the potential solution to this problem.

They are in a position to buy an investment property by borrowing against the equity they have in their own home in order to furnish the deposit for the investment property. If they choose their investment property by following some simple rules then between the rent and the tax benefits that they receive they have very little cash flow requirement to contribute. By the time retirement comes along they will have acquired considerable investment equity in the investment property.

They are still living in their home exactly as they were before yet they are using the equity in their home to increase their wealth. This is what I mean by having their cake (living in the home) and eating it too (using the equity in the home).

Residential property is at the low risk end of the investment market so as long as they learn the basics of how this form of investing works then they are in a position to make substantial profits for minimum risk and minimum cash input. It is a pity that most Americans are going to retire broke when they are in a position to prevent that unpleasant outcome and they don't even know it.

Some people who are aware of this concept think that they have to completely pay off their own home before they can take advantage of the equity but this is not the case. Most people are in a position to do this form of investing within the first ten years of buying their home regardless of the length of their mortgage. This is because the capital growth of your home usually provides enough equity within the first ten years.

If you have been in your home for ten years or more then it may be worth your while to learn how this type of investing works. Once you have learned the basic principles then you will be in a position to assess the profit and risk potentials and decide whether or not this opportunity is one that is suitable for you.
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About Author
Both Graham Baylis & James Delrojo are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Graham Baylis has sinced written about articles on various topics from Computers and The Internet, Information Technology and Computers and The Internet. The Overseas Property Market place is all a buzz these days, especially now that the UK house market has taken such a knock. Many are now thinking that that pipe dream of a home abroad is maybe, well, not a pipe dream after all and that an. Graham Baylis's top article generates over 201000 views. to your Favourites.

James Delrojo has sinced written about articles on various topics from Outsourcing, Self Improvement and Motivation and Health. James Delrojo would like to help you by giving you hisebook "Unleash the Success Power of Your Mind" (valued at $27) completely FREE. Go to
Choir Of Men And Boys
All in all, orgasms have become the symbol of real and extreme pleasure. Unfortunately, not everybody knows what to do or how to do it when it comes to achieving orgasms
 
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