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How to spot a shrewd art investment opportunity

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In the face of rising interest rates and financial uncertainty after Brexit, the British art market has remained in unexpectedly good health. March saw record sales at Sotheby’s to the tune of £48m, including Europe’s third most expensive auctioned artwork, “Bauerngarten” by Gustav Klimt.

But while these big ticket auction lots are still rare beasts, art remains a wise commodity to invest in. One art investment fund manager has noted that investing in contemporary art “is where the most liquidity is,” and indeed, only three of the world’s ten most expensive paintings come from before the 19th century. Yet, actually determining which works and artists are likely to yield the best return on investment can be difficult. What is it about certain paintings which makes them so lucrative in the long run?

 

The value of deceased artists

Most art dealers will be the first to admit that certain styles or artists come in and out of fashion; however, supply and demand is also a major factor. This is borne out by comparing the value of the priciest work by a modern artist sold at auction by the most expensive living artist and the most expensive dead one. While Gerhard Richter’s “Abstraktes” sold for a little under £30.5m at auction in 2015, that’s a mere 10% of what “Interchange”, a piece by Willem de Kooning, fetched in 1995.

Yet, the fact that an artist has died does not always mean that their work will consistently be valued at auction for a high price. The late German artist Josef Albers, for example, underwent a major renaissance of interest some four decades after his death, with retrospective shows leading to increased prices at auction. Yet, despite the finite resource (the artist passed away in 1976), the value of Albers’ work seems to have already plateaued.

 

Provocative art – as shocking at auction as it is in a gallery

The concept of provocative art can be a broad one; as tastes, and the accepted view of what is shocking, change over time, it is arguably harder in 2017 to create something that would have caused the same sort of Sensation as it would have two decades ago. A still-controversial piece such as Andres Serrano’s “Piss Christ”—a photograph of a crucifix suspended in the artist’s urine—went for $185,000 at auction in 2014, while Tracey Emin’s oft-vandalised “My Bed” was last sold for £2.2m in the same year.

Then again, as the shock fades, so too can its price; Marcel Duchamp’s “Fountain”, an infamous porcelain urinal which the Tate Gallery describes as “test[ing] beliefs about art and the role of taste in the art world,” sold for nearly $600,000 less in 2002 than it did five years previously. Consequently, the difference between types of work—be it painting, installation or sculpture—seems to have less impact than one would expect.

Ultimately, as with any investment, research is key; the only difference is how invested you are personally with the works you are buying. If you have a longer view of your investment, you should come armed with the facts about the artist and the work itself. If, on the other hand, you simply like a painting on an aesthetic level, external factors should not discourage you from putting in a bid.

How to Set Up a Company in Malaysia

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As one of Southeast Asia’s most vibrant and successful economies, Malaysia has long stood out to investors and businesspeople as an ideal place to register a company.

Incorporating a company in Malaysia has several benefits. Malaysian companies can easily do business with other ASEAN member states, providing access to hundreds of millions of people in rapidly developing economies.

Malaysia also offers a variety of interesting tax incentives for entrepreneurs. For example, many companies in the Malaysian federal territory of Labuan are subject to a 3% tax on net profits — a significantly lower profits tax rate than in most other countries.

Companies in offshore business areas such as Labuan can also be 100% foreign owned, letting you retain complete control over your business.

Add a reliable, familiar legal system that’s partially based on English Common Law and a simple incorporation process into the equation and Malaysia stands out as an ideal country in which to open a company.

 

Opening a Shn Bhd Company (Private Limited Company)

The most common type of company in Malaysia is a Sendirian Berhad — better known to people outside Malaysia as a Private Limited company (“Pte Ltd”). This type of company is subject to a range of limitations, including restrictions on the industries in which it can operate.

For example, some Malaysian Shn Bhd companies must have at least 50% local ownership in order to operate within Malaysia. Companies in the agriculture, energy and education sectors, for example, require a 50% Malaysian ownership share in order to comply with the law.

Shn Bhd companies in other industries may be eligible for 100% foreign ownership. Shn Bhd companies also need to have two shareholders and two directors, limiting their value for solo entrepreneurs.

For this reason, Shn Bhd companies are relatively uncommon amongst foreign entrepreneurs interested in doing business through a Malaysian company.

 

Opening a Labuan International Company (LIC)

A far more popular option for non-Malaysian entrepreneurs and businesspeople interested in doing business in Malaysia is to open a Labuan International Company, or LIC.

This type of company is registered in the Federal Territory of Labuan. Labuan companies can legally be 100% foreign owned. They also only require a single director and shareholder, with both of these positions allowed to be filled by the same individual.

LICs have a low minimum paid-up capital requirement of just $1 USD. They also have a very low 3% net profit tax for trading activities that occur outside of Malaysia, and a relatively low 24% profits tax for trading activity within Malaysia.

 

The Malaysian Company Registration Process

Opening a company in Malaysia is a relatively simple process. It begins by doing a trademark search to check that the company’s name is available. Your Malaysian company must have a unique name, which you can secure via the Companies Commission of Malaysia.

From here, the company registration process involves notarising and sending the Articles of Association and Memorandum, filling in several forms (including Form 48A, 6 and 13A) and providing identification documents for all of the company’s directors and secretaries.

Most entrepreneurs interested in opening a company in Malaysia do so through a company incorporation agency, which can complete the process far more efficiently than a non-local individual.

 

6 Deals to keep an eye on for Black Friday

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Since 1952 Black Friday has been viewed as the beginning of the Christmas shopping season, and nowadays all major retailers open their doors early to offer incredibly attractive promotional sales across a wide range of different products. Whether you’re on the market for a 4K TV, a first-class camera, a new game or even a web hosting deal, you’re in luck!

In the United States, Black Friday is always set on the Friday immediately after Thanksgiving, and it is widely known as an almost insane day where people line up for hours on end in anticipation of incredible bargains for clothes, fridges, carpets, laptops, and other items.

Because the countdown has already begun and we are only nine days away, here are the six deals you should keep an eye on:

1)   Bluehost

Bluehost is renowned for being one of the top hosting providers to offer free domain registration and budget-friendly hosting services, especially when combined with a limited-time offer or coupon. We all know that web hosting services can be expensive, sometimes taking a significant toll on your monthly budget. That’s why Bluehost is a service that offers affordable alternatives for a large client base –ranging from individuals to small businesses or even larger-scale multinational companies. The goal is to allow each entrepreneur to follow their hosting ideas without having to compromise on quality or range of services.

To enhance affordability and encourage people to join the field of hosting, while satisfying returning customers, Bluehost introduced discount coupons –some of which you can find even outside the Black Friday event. This allows users to obtain high returns on investments for products and services which would otherwise cost an arm and a leg. In fact, Bluehost offers a great deal here, an attractive 75% discount for website owners, service providers, entrepreneurs, and others. Recommended by top-tier online marketers and numerous blogger, Bluehost is one deal you should keep an eye on this Black Friday.

2)   Game.co.uk

Game.co.uk is known for launching its Black Friday deals on Thursday evening before Black Friday. Whether you’re on the market for a new console or controller, the latest Assassin’s Creed game or any equipment for your gaming den, this is the place to look for it. During the last couple of years, we have seen deals go live around 8 pm and sometimes even earlier than that, as most customers have their alarms set for the moment when they can grab the best possible deal. Of course, you will need to bear in mind that the there is a limited stock allocation and thinking quick is the way to guarantee that you will grab your dream bundle deal. You might even find yourself looking at consoles, Xbox Live subscriptions, GTA V shark cards, or games you may not have wanted before gasping at these incredible deals.

3)   Debenhams

Debenhams has a whole Black Friday webpage that you can use to stop the top discounts on kitchen appliances, TVs, furniture, makeup, and even clothes. It’s rare to find people who don’t know or love Debenhams, and that’s due to the vast array of products featured both in store and on their webpage. If you’re looking for significant discounts which typically start at around 30% of the original price, this is an excellent option for you. Hey, you might even find yourself a new king-sized bed!

4)   Currys.co.uk

Currys.co.uk is another online and high-street brand that features incredible Black Friday deals. Including names such as PC World, Mobiles.co.uk, or Carphone Warehouse, Currys talks about ‘black tag deals’ rather than Black Friday. Their discounts make themselves known as early as the beginning of November, undercutting its rivals by revealing some amazing deals and exclusive products.

In the week before Black Friday, it becomes more and more apparent that Currys doesn’t shy away from rewarding its customers with attractive offers on TVs, fridges, consoles, mobile phones, kitchen hobs, and many other trinkets that you may not need but want due to the incredible price. Their top brands include Nespresso, HP, Samsung, Dyson, Sony, Bosch, Beats and LG, and these are just some of the most well-known names that you’ll have the pleasure of potentially purchasing.

5)   Argos.co.uk

Competing with Currys.co.uk, Argos features an impressive range of electrical products, starting from coffee machines or tumble dryers to consoles or controllers. There is no denying that Argos loves Black Friday and was one of the very first retailers to understand the fantastic opportunity to generate some serious revenue.

Although their deals start in early November, you will be able to see a price drop-down as the month goes on, thus ensure that you keep an eye out for these incredible options. A side note would be that last year, Argos promised that if it deals prices would be different by the end of November, they would happily refund you the difference!

6)   Amazon.co.uk

This is undoubtedly a moment you have been expecting. We are all aware that Amazon is basically responsible for creating Black Friday as the online shopping phenomenon we know it as today.  In fact, Amazon.co.uk does not shy away from astonishing deals on almost any item your mind can conceive. It’s essential to note that while the giant retail store believes that its Prime Day deals are even better than Black Friday, people are more likely to closely watch as the clock turns to the 24th of November –marking the day when Amazon goes all-out with its best-thought deals.

For those who are not yet aware, thousands of products will have a reduced price of up to 50%, including high-end electronic gadgets such as Kindle e-readers, Echo Dot speakers, 4K TVs, mobiles, and other little bits and pieces. Don’t forget that if you’re a Prime member as well, you will get early-bird access to some of the best deals Amazon has to offer, and reductions on consoles such as PS4 or Xbox One are some of the most common things that gamers love to get their hands on!

The Most Outrageous Football Scores of All Time

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Compared to other sports, football isn’t exactly known for its outrageous scores. Most games end with fairly close scoring, with even the best teams rarely besting their opponents by more than a few points.

However, like every sport, football has its fair share of blowouts. From embarrassingly gigantic World Cup victories to Premier League matches, there are plenty of incredible scores in the history of football.If you want to check the data of the football games you are currently watching, this is possible with the help of sport data sites online you can see the real time data for soccer matches. And this is a way to cool on your end to be updated on the event happening on the sport matches.

Below, we’ve listed five of the most outrageous scores of all time, as well as some background information for each game to help you put each score in context.

Australia 31 – 0 American Samoa

One of the most infamous football scores of all time occurred during a 2001 FIFA World Cup qualification game. Australia — at the time, not a country that was known for its football team’s ability — scored an incredible 31 goals against American Samoa.

The game started out relatively normally, with American Samoa’s goalkeeper saving a goal attempt in the first few minutes of the game. However, Australia attacked aggressively for the first half of the game, scoring seven goals in the first 21 minutes of the game.

The final score for Australia vs. American Samoa? An incredible 31-0 to Australia, making this one of the most ridiculous televised matches in football history.

Arbroath 36 – 0 Bon Accord

In 1885, Scottish football team Arbroath earned one of the highest scores in football history, winning a match against Bon Accord by 36 goals. The match was the biggest defeat in the history of Scottish football, earning Bon Accord an unwanted place in the history books.

Arbroath were so dominant during the game that the team had scored an incredible 15 goals before half time. Spectators were reportedly so amused by the game that they scored it like a cricket match, jotting down each goal with enthusiasm as they rolled in.

Dundee Harp 35 – 0 Aberdeen Rovers

Another Scottish football match, as well as another game from 1885. In fact, this outstanding game of football between Dundee Harp and the Aberdeen Rovers actually took place on the exact same day as the Arbroath vs. Bon Accord match listed above.

During the game, Dundee Harp reportedly scored 37 goals, making their victory the biggest in the history of Scottish football. However, the team secretary for Harp failed to count two goals, meaning the Arbroath vs. Bon Accord match was the one to end up in the history books.

Germany 7 – 1 Brazil

Germany’s thrashing of Brazil during the 2014 world cup might not be the highest score in the history of competitive football, but it was definitely one of the most incredible World Cup defeats  in recent history.

Before the game, both Germany and Brazil were undefeated during the World Cup, with Brazil proudly hosting the tournament. However, Germany’s incredible 7-1 victory shook the Brazilian team and put Germany in the record books as the top scoring team in World Cup history.

AS Adema 149 – 0 SO l’Emyrne

Finally, the most outrageous football score of all time occurred during a 2002 match between Madagascar-based teams AS Adema and SO l’Emyrne.

Prior to the game, SO l’Emyrne were disqualified from winning the championship after a late, disputed penalty during their previous game with DSA Antananarivo. In protest, SO l’Emyrne scored a record 149 own goals, turning the playoff match into a ridiculous farce.

After the match, SO l’Emyrne’s coach was suspended for three years, with several players suspended until the end of the season. Interestingly, the referee faced no punishment for allowing the bizarre game to continue for 90 minutes.

New regulatory body for leasehold rentals

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For a number of years now, many of those working in the leasehold and private rentals sector have been calling for increased regulation. And finally it seems the people in charge are listening. Communities Secretary Sajid Javid recently announced that the Government is considering creating a new independent regulatory body to handle leasehold and private rented management and letting agents.

Though it’s yet to be fully outlined, it’s thought the new regulatory body will be charged with addressing the main issues facing the sector, namely affordability, transparency and standards. By protecting consumers from unfair costs, making relations between freeholders and agents fair and open and ensuring standards across the industry are consistently high, it’s hoped the regulatory body will make leasehold and private rented management better for everyone and ensure consumer rights are protected.

Industry calls for increased regulation

Leading figures within the leasehold and private rented management industry have been calling for greater regulation of the housing sector for years. Over-inflated fees, poor management and rogue agents have long been damaging the industry’s reputation. Organisations like the Letting Industry Council, the National Approved Lettings Scheme (NALS) and ARLA want regulation improved to weed out these bad apples and ensure consumer rights are protected across the board.

According to Isobel Thomson, chief executive of NALS, 72% of respondents to a recent consultation on a letting fee ban called for broader regulation within the industry. Several major lettings agents including Your Move, Reeds Rains and Rendall & Rittner also welcomed the proposed initiative, showing that there is a real need for improved regulation in the area.

Making fees fair and improving standards

According to Sajid Javid, there are over 4.2 million leasehold homes across the country. The combined service charges on these properties can climb as high as £2.5bn – £3.5bn per year. Although many costs are of course justified, many leaseholders and industry bodies believe these charges are often inflated. In many cases, these increased costs are passed onto tenants, something that affects up to 4.5 million people living in rented accommodation.

As part of the initiative, the Government is also looking at ways to increase transparency in the sector. The new regulatory body could force agents to explain exactly what services they’re charging for and why. It could also put additional power into the hands of consumers by giving leaseholders more of a say over their agent.

Deposit Safety Schemes

The proposed regulatory body is in line with other government back schemes such as the tenancy protection deposit scheme (TDP). The scheme successfully protects both the landlord and the tenant and it launched all the way back in 2007. The scheme meant that the landlord had to return a deposit deposit within 10 days of both parties agreeing how on much the tenant got back. If there was any dispute, the deposit was then protected in the TDP scheme until the issue is resolved.

Unsurprisingly, a large proportion of those disputes were due to the property not being in a clean and fit state. Professional end of tenancy cleans are always recommended in these situations to ensure the dispute is resolved quickly.

Increase in the number of leasehold properties

Over the past 20 years, the number of leasehold properties in the UK has risen sharply. In 1996, just 22% of new build homes were sold as leasehold. This has now increased to 43%, trapping millions more owners into paying annual fees and ground rent. In London, nine out of every ten new build homes are now sold as leasehold. This means that the issue of leasehold rentals is likely to affect even more people in the future, especially with ground rents on some new build homes going up faster than ever.

Although the industry has done a reasonable job of regulating itself, there are still a number of areas of serious concern that need to be addressed. By introducing a new industry body to regulate fees, management practices and standards, the Government hopes to make the housing sector fairer, more transparent and more affordable for everyone.

Take Control Of Your Debt In 2018

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It’s fair to say careful spending is one of the biggest challenges of life in the 21st century. Thanks to economic turbulence, rampant inflation, and the rising cost of living, it’s getting harder to live without debt.

In fact, a majority of adults in the United States owe money to banks, credit cards, insurers, or student loan companies. Without careful management, these debts can spiral out of control. So, it’s imperative you stay on top of balances, deadlines, interest rates, and other details.

The good news is there are plenty of ways to escape the red zone and get back to black. Keep reading our guide to money management to find out more.

Establish Goals

Often, people find it hard to save money because their goals are too vague. You’ve got to give yourself clear, precise targets to work toward. Don’t commit to saving some money. Pick an amount and a timeframe and stick to it.

Set Up a Savings Account

One of the simplest ways to save is to take the decision out of it. If you set up an automatic payment, once or twice per month, it will happen without your help. Even the smallest amount – five or six dollars – can add up to something valuable given enough time.

Pay in an Orderly Fashion

Credit card debts are particularly nefarious because they carry high interest rates. If you owe money on multiple cards, order them according to percentage. Always prioritize the bill with the highest rate, as this is the highest stakes debt. Where possible, pay off more than the minimum amount. Otherwise, you’ll end up paying off the interest, rather than the actual debt.

Reduce Your Bills

It is easy to shave a chunk off household bills. In fact, turning the thermostat down by just one notch is usually enough to cut costs down to size. This can be tough in winter, but there are plenty of options. Turn the heating down just a little and relish the chance to dig your coziest socks and jumpers.

Change Your Cell Plan

Cell phone plans are like car insurance or mortgages. Most people stick with their current plan just because it involves less work. However, you could be missing out on major savings. Get in touch your network provider and ask about a cell phone downgrade. They’ll fill you in on the best possible package for your budget.

Pocket Spare Change

It sounds like a trivial detail, but you’d be amazed at how much money gets thrown away as change. Having a pocket full of coins can be a bit frustrating, but it’s worth holding on to them. Find yourself a jar or container. Throw in your cents and quarters. Before you know it, you’ll have a heap of coins that can be turned into notes at the bank.

Put the Credit Card Down

Credit and debit cards are wonderful things until you stop viewing them as ‘real’ spending. This is quite common. As no physical money is behind handed over, it often feels like card payments don’t really count. To reverse this effect, commit to paying for everything with cash. Set out a specific amount each day. When it’s gone, it’s gone.

Don’t forget that saving cash and taking control of your debts is all about little steps. It’s important to be patient and realize that, even though it might be a long journey, perseverance will lead to success.

How to choose the perfect accountant

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It’s common to hear that choosing an accountant is similar to selecting a new business partner, and that’s because there will be a degree of trust and reliance you will depend on. Especially in the case of small businesses, making the right decision could mean the difference between you closing your doors or building your business. A good accountant can and will save you both money and time, but with thousands to choose from, it can be a daunting decision to make.

There are many excellent services available, and one such example is Xero accountants in Brighton. Their services allow clients to run their businesses as normal, then sending statements or invoices and seamlessly keeping their financial health in check.

Of course, there are multiple aspects which make this company a leader in the market, and today we will look at some of the top things you should know before making your decision:

Does location matter?

Once upon a time having an accountant nearby was an essential part of the service. Nonetheless, nowadays companies are collaborating online using innovative cloud-based technology which makes it easier for both parties. In other words, location isn’t a top priority anymore, unless you deem it absolutely necessary. Cloud accounting allows both you and your accountant to view data in real-time and even at the same times, regardless of where you currently are.

It’s essential to remember that the one-size-fits-all rule doesn’t always apply in the real world, despite it being a liberal approach. When it comes to your finances and the competitive market we are dealing with as part of our day-to-day lives, the decision of where to find an accountant will come down to your business needs. For example, some entrepreneurs are happy to attend video calls or conferences, to have discussions over the phone or via email, especially if they are prone to travelling or rarely finding spare time. In other words, if you don’t want to make compromises because of location, and you don’t have to!

You may find it easier to communicate face-to-face, finding someone who deeply understands the specifics of your industry or business and is able to attend business meetings alongside you. If this sounds similar to what you’re expecting, don’t settle for less, and pick an accountant who works nearby or is willing to travel for when you need them.

Choose a certified or chartered accountant

You will find that in nearly every country, accountants are regulated by professional bodies that hand out accounting qualifications –ensuring that the highest professional standards are maintained across the border. It will depend on the country in which you reside, but as a general rule of thumb, professional accountants may be called Certified Public Accountants or Chartered Accountants. The latter are renowned as highly qualified professionals who have completed a degree-level study in addition to work experience or competence and evaluation programmes.

The experts do come with a premium, but they can significantly add value to your business from the get-go. Mainly if you are looking to expand your company, it’s essential to have these financial Mavericks close to you from the beginning. Alternatively, you can use accountants who aren’t certified, registered, or chartered, but it will all depend on your business goals. Of course, more straightforward tasks such as tax preparation, financial management, or bookkeeping might not require a qualification or certification, but once your company gets bigger and better, the situation might change.

Choose an accountant with relevant expertise

Although it’s the feature of a good person to give people the benefit of the doubt when it comes to financial documents and tax returns, it’s best to play it safe. This means that it’s smart to choose an accountant who has experience in working with a company of similar size and revenue to yours. For example, if you are used to cloud-based software services, then pick someone with relevant cloud computing experience.

A former background of working with similar companies or in a related sector will also help, as you will know that they are in a position to understand the unique goals and needs of your organisation. If their CV shows that they used to work for larger and more prominent companies, then that’s a bonus –they will be able to handle the evolving needs of your business.

Who will I be dealing with?

Although you may think you will always interact with the person you hire, it’s not always the case. With larger firms, the person you had initially met with can pass you off to the office junior or anybody else in the firm.

As a first-time business owner, you may not be aware of this fact, and some companies will take advantage of this otherwise tiny detail.

Are we a good match?

Although this may seem like an insignificant detail, having an accountant who is loyal to your cause is indispensable. The right person will go beyond their initial prestige, being able to offer relevant advice and insight into a particular issue.

With studies showing that a staggering 59% of start-up entrepreneurs are running a business for the time in their lives, it’s important not to be naïve about your goals and needs. For example, you can ask the following questions:

    What other companies in the sector have you worked with?

    Do you have any relevant experience in this industry?

    What are the difficulties you have encountered in that industry?

    What services could you imagine providing over time?

These are just some of the questions you can address in order to test their breadth of expertise and ability to think of the evolving needs of your business.

Conclusion

Accountants offer different levels of engagement, and you will want to make sure that you establish who you will be in contact with and how often. Of course, less money will mean less being in touch, but that’s not always good when spotting issues or when handling inquiries. Make sure that you’re on the same page and that your goals align.

The best way to save money while travelling by train

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Are you looking for cheap train tickets? Trenes.com is your solution!

Even though we all know that anytime is a good time to travel and visit new places, this time of the year is particularly special in this regard, especially if we take into account that Christmas are just around the corner and that there are more and more people looking for train tickets for these dates in order to get the best offers. In fact, this should not surprise us, since the price of the tickets can hugely vary depending on the websites and on the dates when we want to be them, as well as depending on the type of ticket we are looking for (for instance, it is more expensive to buy AVE tickets due to the characteristics of the train than to buy regular, standard train tickets).

For these reason, if you are thinking about buying train tickets for the next holidays and, above all, if you want to save money with your purchase, the best option you can think of is Trenes.com, a website where you will be able to find the best prices for train tickets, regardless the destiny, the type of train or even the date when you are travelling. In fact, this website is a specialized search engine that will compare the different rates and options that are available throughout Internet, showing us the best alternatives so that we can buy the cheapest train tickets thanks to their own computer algorithm.

An algorithm and a searching method that explains the growth of Trenes.com within the market in the last years, as we can see from its numbers. In that regard, since the year 2014 (the first year this online platform was available for the general public), Trenes.com sold 613,925 € in train tickets, an amount that grew up to more than 3.2 million € the next year, in 2015, which means an increase of 427% with regards to the total income of the first year. An increase that has been the tendency in all these years, with more than 11.7 million € of train tickets sold in 2016 (once again, an increase of 366% compared to 2015) and with the expectation to reach 20 million € in this 2017, a figure that undoubtedly would consolidate this website in the market and that would be a direct consequence of the confidence that more and more travellers have in this project.

Apart from all that, another important aspect of this website that should also be empathised is the simplicity in its use and the excellent customer service, a simplicity that can be also regarded in its app, with which we would be able to buy our train tickets at any given moment and at any given place whenever we have a connection to the Internet. An app that is already available both for Android and iOS devices, thanks to which we would be able to buy, manage and print (if desired, since we will also be able to use an electronic ticket) our tickets. As we can see, we will just have to choose our final destination and the dates when we want to travel to start enjoying all the offers with which we will save money in our train tickets.

How can I buy a ticket at Trenes.com?

Even though we have already mentioned that this website is very simple and easy to use, there are some aspects that we have to take into account before buying a train ticket in Trenes.com. In that sense, if we want to buy a train ticket, we will just have to select the type of train in which we want to travel (either a regular, RENFE train, an AVE train or an international train), choose the date and the time for our travel as well as the departure and arrival stations and indicate whether it is a single trip or a return trip (in which case we will also have to select the date, the time and the stations for the return journey). Once we have selected and indicated all these things, we will just have to click “search” and wait for the different options that will appear matching our preferences.

At that point, and once we have selected the train that best suits us and our budget, we will have to register in the website by creating a personal account through which we will be able to manage our trip as well as our future trips. It is important to include all our personal data that will afterwards appear in the ticket.

Finally, once our account is created, we will proceed to checkout and pay our tickets! As simple as that!

 

How to Incorporate Appreciation for Maximum Wealth-Building

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For people looking to build wealth, there are many ways to go about this. Investments seem to be the best way by letting your money do the job for you. Investing can be made in different ways. For people who are familiar with investments they know you can choose to invest for cash flow or appreciation. There has been a debate on which one is better, but the answer can depend on who you are and where you are as well as what are your goals in investments.

 

Investing for Cash Flow

In this form of investment, you invest in property that brings money fast usually after a month or a few months. It is a good option to choose when you are looking to get money fast as you spend it. These are usually buy-and-hold properties that require much of your attention and involvement.

This form of investment releases income every month but to do so, you have to play your part. First, you have to understand all the expenses needed to maintain such property to produce a certain income. You need to be good in numbers otherwise the costs might exceed the income, and you end up making losses. This type of investment is similar to investing into a business. You have to run your business well or otherwise it might collapse, and you lose everything.

 

Incorporating Appreciation in Investments

For a long time, people used to think cash flow investment was the only way to go. However, if you are looking to build wealth, appreciation is your friend. This process requires patience and proper calculations. It is fully based on time and other determining factors. As an investor, this is where sensitivity analysis comes in handy. For example, if an investor of gold had done the sensitivity analysis then they are ready for the new policies by president Trump.

The purpose of sensitivity analysis is to understand your investment by measuring how different determining factors will affect your investment after some time. This is important to do before you buy or invest in any property. When dealing with a property such as real estate you should consider the growth rate of the real estate location. You should also measure how the cost of living is changing and how that affects property in the surrounding area.

Before you invest for appreciation consider all the factors. We have seen things go wrong for investors who expected the property to appreciate but bad things happened. If you are a low-income earner, then you should first consider investing in cash flow investments. This is a good way to ensure you pocket some money after every month making your life easier. However, if you are a person of patience, then appreciation should be your priority.

 

Factors to consider for maximum benefits

After you have decided to invest in property for appreciation, it is imperative that you carry out some research. Visit the property you intend to buy and inspect it yourself. Ask yourself questions like:

  • Would anyone wish to live here?
  • What is the potential for growth in this area?
  • Who is more likely to live here?
  • Are there enough facilities to sustain a good life?

Check for small things like schools, hospitals around the area, proximity to the nearest town or city, the terrain, weather, and climate. These are the factors that will determine whether your property will appreciate or not. Consider what the neighborhood looks like and how the neighbors feel about that place. Only after you have done all this can you be able to do the sensitivity analysis.

After the analysis then you can be able to predict the rate at which your property will appreciate with time depending on the factors. You can then come up with a plan on whether to cash out your investment at a particular time or hold the investment and continue earning from it. We all know that most people who became wealthy started by investing in real estate and property that appreciates over time.

 

Some advantages of incorporating appreciation in investment

Appreciation comes with many benefits. The most common ones are the following.

  • First, the process is passive, and you do not have to do anything to gain income. It is all about time and patience.
  • Property such as land and real estate always appreciates and never depreciates. As such, it is a guarantee that you will get something in the end.
  • As the real estate appreciates, you will still earn money in cash flow as you charge rent, which also increases as time passes by.

Good investments require proper planning. Anything can make you wealthy if you have a good plan and play it wise. About 95 percent of the time property always appreciates so as you make your investment decisions you should incorporate appreciation. Consider all the factors then make wise decisions.

For more information on finance and better taking advantage of investing solutions, visit Finance for Dummies.

Why is Corporate Relocation So Popular? It’s All About Profitability

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In recent years, there has been a major rise in demand for corporate relocation services. Companies formed in affluent but expensive nations, such as the USA and Britain, are moving their business HQs abroad in their droves.

They are driven by one thing (the thing most-all private sector businesses a driven by): profitability. Being based within famously expensive Western capitals of commerce presents a multitude of benefits, but these benefits are often outweighed by the sheer cost of doing business.

Many companies originally from these countries are drawn elsewhere, with popular placements being Hong-Kong, Canada and the UAE. So what profitability benefits are pulling away so many major companies and small businesses alike? Is this something you should consider for your business?

Reduced Cost of Taxation

Business tax rates in the UK are not considered to be the highest in the world, although through a combination of corporation, income and dividend taxes, they are nowhere near one of the cheapest globally either.

This leads many businesses to establish corporate relocation projects, moving to countries considered to be tax havens, where they are legally capable of cutting down on state payments while operating at the same level. This is especially tempting for businesses that operate online, where relocation will not result in a reduction in output, or when moving to a country like Canada where the markets are just as strong, if not stronger.

Cheaper Operation Costs

The UK isn’t just expensive in terms of taxation; it’s also sky high for operation costs such as rent, utilities, resources and basic costs of living. London is ranked as the third most expensive city to do business in the world, and many other hubs of British commerce suffer from similar problems.

Other cities and hubs of commerce around the world, however, offer very different costs. Belfast, for example, is considered one of the world’s cheapest cities to operate within. Other contenders include Mumbai, Kiev and Johannesburg, and these are just the tip of the iceberg.  

With costs undercutting the UK by considerable margins, it’s small wonder that businesses see the benefit in investing in corporate relocation and establishing themselves elsewhere in the world.

Less money spent on basic operating costs means more profits to be made.

Lower Salary Demands

The average person in the UK commands a salary of £27,000, with those considered to be skilled workers racking up considerably more than that. The average wage in the UK is high, but so is the cost of living. However, in other countries, where cost of living is much lower, salaries are too. With a drop in cost, though, you might be forgiven for thinking you’re giving up a level of skill and ability as well, but that all depends on where you base yourself.

For example, in the Polish city of Krakow, tech companies will find software engineers more than capable of matching the skills of their British colleagues, complete with degrees from prestigious Polish universities. However, their average salary is £17,000, compared to £34,000 for a British-based software developer.

Keep costs down, keep quality up and be as profitable as possible by taking advantage of corporate relocation and moving your company overseas to somewhere with qualified but cheaper labour.

Increased Market Penetration

Corporate relocation isn’t all about pushing expenditure down; it can also be about driving profits up. Depending on your industry, you may be facing fierce competition in your current location, with upwards of thousands of businesses all vying for the same customers. Remaining where you are can be very limiting, but the world is a big place with ample opportunities for expansion.

Relocation may be carried out to access large, better or less-saturated markets. Moving to a country where your business is in demand will allow you to increase profits at a lower ratio of investment and marketing costs.

Better Investment Opportunities

Continuing on our theme of increasing profitability through growth, not reduction in costs, businesses are also tempted away from their homelands by the promise of better investment opportunities overseas.

Many cities around the world create a culture of industry, becoming capitals of certain sectors. For example, Silicon Valley is known for its affinity for tech, while Zurich is famed for its relationship with finance. Notoriety attracts investors looking for a certain type of business and, as a result, if you slot nicely into their intended sector, you’re far more likely to come away with the cash you need.

It’s a smart business move and one that makes a lot of sense. Looking for growth? Go where the best opportunities are.

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