Put down that real estate listing and read this message carefully: Buying your home during a recession can really hurt your credit.

I did not want to be melodramatic but people really need to know what they are missing out on and what they can get themselves into. Buying property when the recession is in full swing is a wise decision but it is literally a minefield that should be carefully navigated.

Before even looking you must first do your own afford-ability study. Firstly why do you want to invest in property, how much installments can you comfortably repay monthly and you must calculate how much deposit do you have right now.

The WHY is crucial because it will keep you heading in the right direction if anything should fall apart. Can you afford the installments? Really afford them? What if the interest rate rises by 5% overnight, can you cope or can you sell fast before you sink into debt.

Buying well below market value can be the single most powerful act in your entire investment life. When you buy low you secure a profit even if the market tanks. Buying low will allow you to whether the financial storm that can erupt overnight in China trading and if all else fails you can sell for the lower market value and still walk away the winner. Never offer the selling price during a recession. It’s not only dangerous, it’s damn near stupid.

The buyer who buys at market value closes himself or herself into that deal until the market recovers (if at all).

So please make sure you get the best deal on the planet, which happens every week in real estate and lock in profits while buying. This is not only possible but it is imperative to accomplish. I have located some websites that can be of assistance in locating a great deal in your area.

www.propertyrepossessions.org
www.sellmyhomequickly.org
www.sellyourownhousequick.com
www.sellpropertyquickly.org

These above sites give great information for the investor who knows what he or she is looking for and gives them a barrel full of fish and a twelve gauge shot gun. I apologize to fish lovers and gun lobbyists but investing during the recession is really a super tough undertaking and you better be fully prepared to be called the most horrible names under the sun.

But one thing I ask the disgruntled seller to consider is, “WHO is repossessing their house? It’s certainly not me, I am just buying an affordable house and offering some nice family accommodation at reasonable rent.” (because you bought low you can afford to lower the rent.)

So please heed the above warnings and look for your hidden investment carefully and finance it well OR I may come knocking at your front door looking to go fish

Whenever people ask me about house listings for sale I tell them about Florida beach homes for sale.

Even though the financial crisis is still proving to be long lasting the cracks in its impenetrable amour are starting to show. The old saying, invest below market price in a good area will yield far better results than chasing cheaper houses in an area where 10% annual increase means only $1000.

Granted the typical Florida beach house still fetches over $2 million but 1% annual increase is $20 000. And most investors will tell you that 1% annual price growth in property is possible when investing in the right area.

Houses for rent in Miami Florida have been more and more scarce as the average home loan becomes more and more difficult to obtain. As home ownership declines people in search for rental property to live in increases.

For those with bad credit there are solutions, but it is imperative to first say that; If you got yourself in this mess first try to dig yourself out without making your debt bigger.

Good advice on home loans for bad credit can be found here: www.homeloansforbadcredit.co.uk

In business you ill find that there are those who are content to just coast and do mediocre work to remain under the radar.

Fire them. They will doom your business. You do not have time to be a charity. Charities are suppose to be non-profit and you should decide early on if you are there to be a business or a non-profit organisation.

I asked this guy, who shall remain anonymus, to install a claiming system for my medical practice. After a month the bugs in the system slowed my cashflow to a crawl! I confronted him, gently, as to why it was not happenning smoothly. I got many answers and non of them solved my problem.

I had to change the entire system overnight and incurr more costs but a month later I am smiling because what turned out to be a disater for only one month was restricted to one month. Making a mistake and admitting it may hurt like hell but it saves you the agony of living with a festering problem that will cripple your whole operation and later kill it.