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Urgent Note On Change Of Venue August 31, 2006

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Hi fellow investors,

There’s a change in plans with Alvin’s talk on Friday 1st Sept.  For those who haven’t already made contact with me, please note a change of venue/time.

Kindly contact Alvin Wang directly at alvinwang@dragonproperty.com / 98894704 to arrange your session with him.

Thanks & regards,

Christine

About Dragon :

Dragon is a broad-based property investment and development group headquartered in Hong Kong, with offices in London, Perth and Singapore. We help private investors create and manage diversified international property investment portfolios with the aim of long term financial security. Dragon has established a sterling reputation for delivering consistent returns to our clients since operations began in 1992. We build relationships by delivering what we promise, and always conduct our business with the highest levels of professionalism and integrity. Our proven strategies favor  low risk, capital preservation and diversification.  www.dragonproperty.com

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Use Your Home Equity Wisely August 30, 2006

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Use Your Home Equity Wisely (ARA) – For most Americans, their home is their biggest investment and their most valuable asset. Home equity, or the value of your home after all loans have been paid off, can be a source of value and long-term wealth. In fact, according to SMR Research, Americans have more than $11.2 trillion in home equity. More and more homeowners are choosing to use the equity in their home instead of waiting to reap the profits when they sell. The easiest way to do this is with a home equity loan or line of credit, which allows you to borrow money using your home’s equity as collateral. A home equity loan provides you a lump sum, while a home equity line of credit, sometimes called a HELOC, functions more like a credit card that you can use as needed. Before you borrow against your home, it’s important to have a plan for repaying the home equity loan. “You don’t want to put your home at risk. But if you need to renovate your home or pay for college, using your home equity could be the right choice,” says Matt Coffin, president and founder of LowerMyBills.com, a free online service where consumers can shop around for the lowest rates on monthly bills and reduce the cost of living. Chances are the interest rate on a home equity loan or line of credit will be substantially lower than the interest on your credit cards. And in many cases, the interest payments on a home equity loan are tax deductible, making them even more attractive. To get the best rates and the most appropriate loan for your needs, it pays to shop around for the best deal. Web sites like http://www.LowerMyBills.com make it easy to find and compare various loan options. Here are some tips on how to use your home equity wisely. * Pay off outstanding debt – “Credit card interest rates can be 10 or more percentage points higher than home equity loans or line of credit, so if you are dealing with mounting debt, it can make sense to pay off those credit cards using a lower-interest home equity loan,” says Coffin. Just make sure to cut up the credit cards first. It would be a mistake to use your home equity to pay off your credit card debt, only to start racking up a new round of debt. * Improve your home – Upgrading your kitchen, updating your bathroom or fixing your roof can increase the long-term value of you home. But check with a local realtor before you decide on any home improvement projects to be sure you won’t be pricing your house out of the market, especially if you plan to sell your home within the next few years. * Pay for college – Many families are stuck in an awkward position where they make “too much” money to qualify for low interest student loans or scholarships, but too little to realistically be able to pay for college tuition out of pocket. A home equity loan can be a smart solution. * Finance big ticket purchases – Tapping into your home’s equity is an attractive way to pay for larger one-time expenses, such as a wedding or the trip of a lifetime, even a new boat. “But don’t spend it like you’ve just won the lottery,” cautions Coffin. “Remember, this is money you have to pay back.” Courtesy of ARA Content SIDEBAR Best – and Worst – Home Improvement Investments If you’re considering using a home equity loan or line of credit for home improvements, take a look at this list from the experts at LowerMyBills.com first. Some home improvements can actually work against you when you’re selling your home, while other upgrades almost always enhance the value of your home. Best Investments * Painting interior and exterior (keep the colors muted – no purple, please) * Upgrading or adding heating/air conditioning systems * Creating more habitable space (finishing the attic or basement) * Adding a bathroom * Updating the kitchen (this can also be a “worst” investment – see below) * Replacing the roof Worst Investments * Building a swimming pool or hot tub (creates liability and aesthetic issues) * Overdoing the kitchen (for example, adding tile with “cute” little piggies or bright red cabinets) * Installing fancy-shaped windows * Adding new carpet (although replacing worn carpet can justify the asking price)

Date A Friday Reminder… August 29, 2006

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 Dear fellow Investors,
We had an informative and fun full-house session ion on 11th August on what it takes to be a full time real estate investor, and the opportunities & limitations being based in Singapore from the speaker’s perspective.

“Active or Passive Investing. Which one is right for you?”– Meet a fellow Singaporean who took the ideas from Robert Kiyosaki & Dolf de Roos to Phoenix in the early 2000s and acquired 30 properties over 30 mths, worth US$5M, using Other People’s Money. – Discover Alvin Wang’s inside story of profits & pitfalls, pros & cons of this approach to property investing.– Learn what Alvin is doing today to achieve a diversified international property investment portfolio with consistent returns, low risk, and even lesser effort. By popular request, there will be another session held on:Date: Friday 1st September, 2006Venue: Dragon Property Group,9 Penang Road, #08-05/06 Park Mall, Singapore 238459Networking begins: 7pmPresentation: 7:30-8:30pmQ&A: 8:30-8:45pmRSVP by Thursday, 31st August, 6pm — limited to 20 seats only.Pls email sageconcepts@gmail.com for confirmations.Best regards,Christine Ho

9828 7350

Eight Steps to Finding the Right Real Estate Agent August 28, 2006

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finding-the-right-agent.jpgby Bill Carey A plan is what’s necessary to finding your next home, and finding the right person to work it with you is the first step to your success.
finding-the-right-agent.jpg

You need an agent you trust someone who honestly wants to work with you. You should interview 2 or 3 agents to find this person. Working with the right agent can save you time and possibly thousands of dollars.

The Agent You Decide to Work With Should be Internet Savvy – have an excellent website that is easy to navigate and has plenty of free consumer information. It should be tied to a newsletter and other real estate related information that you can access without paying a dime.

Team Approach to Real Estate – large team or small team the idea is to have specialists in different areas of the business. Affiliate team members a strong base of professionals’ mortgage brokers, attorney, inspectors, engineering and service contractors.

VIP Buyer Profile Program – house hunting service of daily or weekly emails to you of the homes that fit your criteria. Meet with your agent describe your wants and needs enter that information into the computer along with general area or location. You should receive emails updates to all new listing that match your entries.

Experience and Reputation – experience in the business of real estate and has personally bought and sold homes, has an excellent reputation in and out of the real estate business, not just having a bunch of letter designations behind their name to impress other realtors nor do you need someone who is the number 1 of anything.

Someone You Trust – you must feel comfortable with your agent trust what they say know that they are working for you. Have them draw up a buyer agency agreement where they are contractually responsible to you and not working for the seller. Your buyer agent can give you the insider information that you need to make an informed decision on your purchase.

Willingness to Work on Your Terms – are you interested in working with someone who doesn’t have the time to devout to you or your little house? Someone who is so full of themselves, that they can’t see your needs or is more intent on impressing you than helping you. An agent who will prepare a CMA on the homes you are considering before letting you make an offer will research tax and ownership purchase records to show the value.

Knowledgeable and Competent – not necessarily the person who has lived in town for the last 50 years. Pick someone who has knowledge about the area the schools businesses recreation shopping. Knowledgeable about houses new construction or resale knows the product and can offer suggestions as to why or why not of certain home styles or builders. Pick someone who has specific and personal knowledge of the home buying and selling process.

Performance Guarantees – your agent should back up all claims and promises with written contractual performance guarantees. Promises to save you money an example would be. Performance Guarantee “Save you $5,000 on your purchase or pay you $1,000 at closing.” Your agents should always backup what they say in writing.

Your Real Estate agent doesn’t necessarily need to be your best friend but must be the professional to help guide you through the purchase and sale process. You may be working together for 2 to 4 months so pick someone you like to be around.

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