Month: December 2017
A November 2010 study revealed that 79% of Americans are at least somewhat concerned about identity theft, with 42% being very or extremely concerned.
Yet, only 12% are enrolled in an identity theft protection program.
Further analysis revealed that identity theft costs about $4865 per person violated, yet identity protection services cost around $250 per year.
The results are part of the 2010 U.S. Consumer Study which surveyed 1,000 Americans on Identity Theft, commissioned by IdentityHawk and fielded by Survey Sampling International.*
The Shocking Costs Involved
Further, Javelin Strategy & Research shows in its 2010 The Javelin Annual Identity Protection Services Scorecard that in 2009, 11.1 million people were victims of identity theft at a cost of $54 billion to businesses and individuals.
On a per person basis, the cost is $4,841. The Identity Theft Resource Center (ITRC), in its 2009 Victim Aftermath Study, revealed the average out-of-pocket cost to the citizens who are identity theft victims is $527.
According to Phil Sandler, spokesperson for IdentityHawk, “Beyond out of pocket costs, people have to spend a huge amount of time just regaining and reclaiming their identity.”
According to The Identity Theft Resource Center (ITRC), victims reported spending an average of 68 hours repairing the damage done by identity theft to an existing account used or taken over by the thief.
And in cases where a new account, criminal, governmental or a combination of several situations were involved, respondents reported an average of 141 hours to clean up the fraud. Further reports indicate it can take 330 hours to restore a person’s identity.
The IdentityHawk study also revealed that 38 million U.S. citizens (or 12.5% of the population) claim they have been victims of identity theft in their lifetime.
Where Identity is Stolen
It was also reported in the 2010 The Javelin Annual Identity Protection Services Scorecard that most data breaches are not online, but rather from stolen/lost wallets:
Lost or stolen wallets: 43%
While conducting a transaction: 19%
Friendly theft: 13%
Data breach: 11%
Stolen paper/mail 3%
The Identity Theft Protection Expert study revealed the most common precautions Americans take to prevent identity theft:
Action % of respondents
Always pick up receipts: 68%
Anti virus/Anti-spyware: 67%
Review bank/credit card statements: 66%
Shred mail with personal information: 56%
Pick strong passwords: 50%
Shred pre-approved offers: 49%
Carry only necessary ID: 45%
Use secure mailboxes: 32%
Don’t input personal info online: 22%
Don’t shop online: 15%
Enrolled in ID theft protection program: 12%
Added Sandler, “Clearly, while physical theft is the number one way people lose their identity, it takes a vigilant system to find unusual activity to uncover identity theft and fraud.
Most people find out when it too late. People need immediate alerts when there is suspicious activity regarding their accounts,” he said.
There are basically five different ways in which you can make money by investing in commercial real estate.
Strategy 1: Building equity. The key way to make money in commercial real estate business is by building up equity in the property. You can do this in four ways that are mentioned below.
The first way is to buy the property below its market value. To do this you will have to do your due research, you will have to find out the needs of the buyer and you also have to be good at negotiation.
The next way in which equity builds up is through the appreciation of property. You can easily ensure that your property appreciates by marinating it properly and undertaking the necessary repair work. It is also important to buy a property in a location that promises to grow.
The third way to build equity is by paying down debt. The key to this strategy is to try and get the lowest interest rate possible on your debt instrument. The fourth way in which you can create equity is the time when you sell the property. You must try and sell you property at above market value and to do this you have to put in effort to find the right buyer and again you have to have good negotiation skills.
Strategy 2: depreciation of property. You can save a considerable amount of tax as depreciation on building is tax deductible expenditure. When you arrive at the profit before tax, you are allowed to account the expenditure on depreciation of assets as an operational expenditure. This way you have to calculate the percentage of tax on a lower amount. It is however important to note that depreciation can be charged only on the building but not on land. Strategy 3: Charging suitable rent. It is important that the property generates enough rent so that you can easily cover the expenditure if its maintenance and can also cover the interest payment of the mortgage. But you should not stop there, it should be your goal to try and get additional rent so that you can pay off the debts and thus create equity.
Strategy 4: Attractive financing schemes for the buyer. When you are selling your property, you can fetch a better price if you offer convenient payment schemes to the potential buyer. For example, if you allow the buyer to pay in easy installments and do not want a heavy down payment, then the buyer may be willing to pay you a higher over all price. Strategy 5: Add value to your property. You can add value to you property in various ways. Try and make strategic improvements in your property that will help you to increase its worth. You can also put your property to higher and better use to increase its worth.
William King is the director of Dubai Property & UAE Property & Dubai Real Estate Portal, Pakistan Property & Pakistan Real Estate Properties Portal , Canada Wholesalers & Canadian Dropshippers Suppliers Directory and Wholesale Dropshipping & Wholesalers Suppliers Trade Directory . He has 18 years of experience in the marketing and trading industries and has been helping retailers and startups with their product sourcing, promotion, marketing and supply chain requirements.
If one were to ask a bunch of Chicago locals which is the ideal neighborhood or area for buying apartments in Chicago then you would get a bunch of different answers. There is nothing surprising about it because the answer to such a question is a matter of personal preference and hence it would differ from one person to another. Nevertheless, one cannot deny that the Windy City does have some very amazing condominiums and apartments for sale. Thus, you can take a look at some of the popular options to see which condominium for sale you should opt for.
Chicago, also known as the Windy City, is renowned for its food, music and sports team. One can witness a multitude of cultures here and the beauty is that they all blend seamlessly into the fabric of life. Based on what your interests and preferences are, you can start off your quest of looking for apartments in Chicago that are on sale. You can also go for a condominium for sale if condos are your cup of tea. One of the most populated neighborhoods in Chicago is the Wrigleyville – it has a very vibrant nightlife to offer to its residents. Thus, this area is perfect for party lovers.
Just in case you are not really into the whole idea of dancing the night away, but you are a big foodie then look for an apartment or condominium for sale in Lincoln Park or Lakeview. These neighborhoods offer great apartments in Chicago and there is also a host of great eats here offering a multitude of cuisines, from Chinese to Italian. For apartment hunters looking for urban high-rise neighborhoods, it would be ideal to go with downtown or The Loop. Living in downtown Chicago offers great perks, for instance, one can get direct access to sporting stadiums where the Bulls and the Bears play.
Apart from Wrigleyville, downtown Chicago is another preferred choice of people when it comes to getting a condominium for sale or an apartment. This area offers endless fun, entertainment and amusement with its stores, restaurants, museums and tourist spots. Another great area to look for ideal apartments in Chicago would have to be the northern side of the city or Gold Coast to be precise. Since the Gold Coast is situated on the lakefront, therefore one can gain access to art galleries. It goes without saying that this part of the city is great for art lovers.
Occupying its southern flank are places of interest like the University of Chicago, the Washington Park, the Chicago White Sox and many more is another area where one can look for a condominium for sale. The population in this part of the city mostly comprises of students and families. For families with children, it is important to look for apartments that are situated in an area with a lot of schools, so the southern side would be perfect in this case. The apartments in Chicago in the southern side are affordable, so your objective should be to strike a good deal.
Thus, mentioned above are some of the areas where you can hunt for apartments in Chicago. However, bear in mind that just the location and surrounding areas of interest are not good enough to help you decide whether or not you should purchase the condominium for sale in question. You need to also take into consideration the proximity of the apartment to major facilities like public transport and healthcare not to mention water and electricity. It is only after you have considered all these factors that you can go ahead and make your final decision.
Some inventions seem so obvious that it’s hard to imagine how someone didn’t think of them earlier. The folding Adirondack chair certainly fits into this grouping. Whoever came up with the idea of a folding Adirondack chair benefited three categories of homeowners described below. The portability of folding Adirondack chairs appeals to these types of people.
1. A Person Who Lives in a Snowy Location.
If you find a year without snow to be an abomination, and you expect every Christmas to be white, you probably live in one of America’s colder locales, such as Rapid City, South Dakota, where a year without snow is difficult to imagine. Although snow is gorgeous, it can make some things harder – like achieving a clear driveway, or protecting your patio furniture.
Folding Adirondack chairs are ideal in snowy areas, since they are so much move around than their non-folding cousins. This is important to people who live in snowy spots, since they must move outdoor furniture into a sheltered area every autumn, and back out into the yard once the last snow has melted away. Unless you like the silver-gray look of rotting wood, it’s unwise to leave your patio furniture out all year long, especially in places that see a lot of snow. (All forms of water, including snow, encourage wood rot.) Folding Adirondack chairs are preferable because they facilitate an easy transference to winter storage. (You can make this task even lighter on your back by selecting folding Adirondack chairs constructed of light timber, like cedar.)
2. A Person who Loves to Travel.
If you consider your rent a “freedom tax,” if the thought of being tied down gives you the willies, if you’re prone to hit the road or even move at a moment’s notice, you’re a wanderer who probably finds the prospect of a folding Adirondack chair very smart indeed. This type of person often moves to a new apartment every couple of years or so. A folding Adirondack chair is best for someone who moves often, or who simply enjoys a more mobile lifestyle. Folding Adirondack chairs fit easily into a moving truck, and they’re much easier to move than their traditional, non-folding counterparts.
3. A Person Who Doesn’t have Much Extra Space.
Some of us specifically choose a smaller abode, so as to force ourselves to practice Zen-like purging of unnecessary belongings. Others just landed in a tiny apartment or home, and just don’t have extra space for luxurious lounging furniture. If the possibility of adding a regular Adirondack chair to your tiny outdoor balcony or yard always seemed elusive, try a folding Adirondack chair instead.
Many a condominium dweller and one-room renter has found that a folding Adirondack chair is the ideal way to appreciate a small balcony or yard. Because a folding Adirondack chair can be stored in a small amount of vertical space, it’s perfectly suited to smaller abodes.
Even if you don’t fit into one of the categories described above, you can understand the value of a folding Adirondack chair. Folding Adirondack chairs are easy to incorporate in nearly any living situation, and they create the same comfort as non-folding Adirondack chairs. Therefore, if you’ve always thought Adirondack chairs were too awkward or large for your home, take a suggestion from the types listed above – give a folding Adirondack chair a try.
IP (internet protocol) cameras are digital cameras that are mostly used for surveillance. Unlike the more commonly known and used CCTV cameras, IP cameras have the capability to send and receive data via a computer network and the internet. Guard Pro Protection Systems is one of few companies in Tucson, Phoenix, and Prescott, Arizona to offer the installation of IP cameras. They use IP cameras largely to prevent theft and break-in for commercial businesses, though they are sometimes also used to protect residential properties from the same. The two main types of IP cameras are centralized IP cameras and decentralized IP cameras. Centralized IP cameras require a central Network Video Recorder (NVR) to handle recording the management of video and alarms. Decentralized IP cameras have the capacity to record without a central NVR and they can record directly to digital storage media like flash drives, hard disk drives, and network attached storage.
? IP cameras record with a resolution of at least 640×480 and they can provide HDTV image quality at a speed of 30 frames per second.
? They are much more flexible that CCTV cameras and they can be moved anywhere on an IP network.
? The video analytics from an IP camera can be stored in the camera itself which allows scalability (the ability to change in size or volume) in analytics solutions.
? IP cameras have the ability to transmit commands via a single network cable is available for PTZ (pan, tilt, zoom) cameras.
? IP cameras also provide secure transmission of data through encryption and authentication methods including WEP, WPA, WPA2, KKIP, AES, etc.
AXIS Communications and ACTi Corporation are among the top in supplying and developing IP technology. Guard Pro Protection Systems in Tucson, Phoenix, and Prescott, Arizona is a certified AXIS communications installer for IP Camera systems and security. Guard Pro is also a Preferred Partner of ACTi Corporation as well. Contact Guard Pro if you are located in the Tucson, Phoenix, Prescott, or surrounding areas have commercial or home security needs.
An outdoor playhouse can be quite a lasting, beautiful place for children to play and use their imaginations, socialize, have fun, and revel in having a retreat space of the very own. There are some options when it comes to outdoor playhouses, ranging from purchasing a ready-made or even easily assembled plastic tot-sized structure to following plans as well as doing it yourself. You have the in-between choice of putting together an outdoor playhouse from a kit too. How do you pick the right outdoor playhouse for your family? Here are a few factors to consider that may help you decide.
Age of Kid(s)
If your child or youngsters are toddlers, there is no need to build a real house. This particular age group requires a small-sized space that is ready-made. The best playhouse for the child set is really a plastic prefab model from retailers such as Little Tikes, Step 2, or Children Cabin. They are made with places for climbing, crawling through, doors, windows, and some have slides too. They’re not very costly, weather proof, as well as long lasting. They’re also portable, in the event you need to mow the lawn or have to bring it inside for the winter. Some disassemble for easy storage space.
Long Range Plans, Size and Skill
In case your children are older and the playhouse is supposed to be like the function of a tree house, (but on the ground), you need so that it is larger, lasting, and of a permanent nature. You may also think of utilizing it for a shed when the kids go off to university. For a framework of this type, consider either doing it yourself, or purchasing a kit. Determining between the two involves weighing cost and the period of time you have to spend on the project, together with considering how handy you’re with tools. Kits are all-inclusive, pre-cut, and available with flooring.
Do-it-yourself projects allow a person to select any style or dimension, and are a good way to get knowledge about building a real house, setting up flooring, roof covering, and following a plan. These types of skills can be valuable when those home repair needs come up. You can assume that a DIY outdoor playhouse project will need about seven full days for a two-person team to accomplish. Also, consider the space you have available and how the actual playhouse will fit in with your landscaping.
Girls and boys like various styles with regards to outdoor playhouses. Boys tend to choose forts, cabins, castles, and tree houses. Their style of play tends toward the physical, with hide and seek games and physical challenges. Girls prefer realistic role-play activities with furnishings and pretend play. Satisfying the desires of both genders can be a challenging set of compromises, however it can be achieved. Include the kids for making choices so they have a state, and they’ll like it. It’s also great to involve them in the assembly and/or creating as much as possible. Certainly, the kids should be allowed to assist with the painting and designing of their outdoor playhouse.
Most cities will not need a building permit if the size of the house is a 10′ cube or smaller. Check with the regulations of the particular city before attempting a project, so you don’t have any surprises when you start out. As long as no one is residing there and also the playhouse will not be including plumbing related, there should not be a need to pay taxes as an outbuilding. Yet, make sure before you begin by checking with your city.
Mohali is becoming the most preferable place for living by numerous individuals across Punjab because of its lush green pollution free environment, friendly neighborhood, provision of all important amenities and it being crime free. The city is well planned and each phase has its individual park. As many IT and MNCs have now come up in Mohali, so it is offering job opportunities to the youth who in the run are planning to have their own home in Mohali only. If you want to own a house, then there are several options like suburban housing, apartments, Furnished Flats Mohali or marketable plots. The diverse options are available not only for the domestic buyers but for the NRIs as well which shows the popularity of the real estate here. Mohali is facilitated with all the necessary facilities such as electricity and water supply, well linked roads and very good sewerage system.
The price of the fully furnished houses in Mohali at superior sites have doubled and tripled in the recent past times and it is going to become difficult for the individuals to own property in Mohali after some times. Most of the land dealings that are happening nowadays are between the realtors and the business executives, they buy plots or feasible property so as begin their individual offices as an alternate for high monthly rental fee. The NRIs who were earlier investing all their money in Chandigarh are now taking keen interest in investing in Sunny Heights. It requires a lot of patience and the heart to take risks when the individuals are putting their money in the real estate business. If you have hired a good real estate agent, who is knowledgeable, competent and faithful then there is no need to worry as he will offer you with the best deal according to your preferences and the budget.
The score of data is presented to the savers that assist them by lending hand in the procedure and the saver needs be well aware of several issues that hit the real estate evaluation for buying Flats in sec 117 Mohali. The saver should evaluate monetary command variables like revenue levels and buying power, employment level, pay rates, the accessibility of financing, interest rates and business cost. The national market and the local market Mohali association require consideration by the saver so as to suitably see the end result of all these variables on housing real estate value. The Flats in sec 74 A Mohali have the nearness and convenience to other sources such as the shopping hubs, schools, sewerage plant, waste dump, linking roads and the hospitals. To get all these facilities of living in a wonderful place like Mohali is like a dream come true.
While investing in real estate it is important that your investment fetches you a monthly cash flow. Even if you are hoping to get a decent profit due to capital appreciation, it is very important that your investment provides a monthly return. If it is not so, then chances are that you will find that all you profit will be nullified by the monthly drain on your income. This will be all the more true in case there is a decline in the growth of real assets for a few years.
All those who ever had tenants would swear that it is much better to have commercial tenants than residential tenants. With residential tenant you have a tough time with them, do not be surprised if you are woken up at the dead of the night because your tenant has some complain to make.
The reason why most people invest in residential real estate is because they have never invested in commercial real estate and they fear landing themselves in unfamiliar territory. But the fact is that commercial property must indeed be one that works well, after all it did work for Donald Trump and it can work for you also. Given below is a list of reasons as to why we think you should invest in commercial real estate rather than residential real estate.
The return on investing in commercial real estate is far higher than that of residential real estate.
You must be thinking as to why should you invest in the real estate market at all? Well, the facts state that unlike the unpredictable stock market, the real estate market has shown a steady growth over the years with only a few minor hiccups. The best part is that you do not need any prior training or qualification to enter in to the field of commercial real estate. It involves very little risk and you can end up making a lot of money out of it.
Investing in the commercial real estate, although beneficial is altogether different from investing in the residential real estate. First of all you need to know about the basics of mortgage. The focus of the commercial real estate creditors is the property itself. They are interested in its condition and its earning capacity. Here the credit scores do not matter as much as that they matter in residential property deals.
You can earn much more in the case of commercial real estate business as in addition to the fixed rent, you also charge a percentage of profit from the tenants. If you have the property in central location, you can charge a higher amount of rent, as location is of vital importance in these cases. Commercial real estates also appreciate much faster than the residential ones.
William King is the director of Dubai Property & UAE Property & Dubai Real Estate Portal, Pakistan Property & Real Estate Properties Portal , Wholesale Manufacturers & Dropshipping Suppliers Trade Directory and Wholesale Dropshipping & Wholesalers Suppliers Trade Directory . He has 18 years of experience in the marketing and trading industries and has been helping retailers and startups with their product sourcing, promotion, marketing and supply chain requirements.
Ranchi is the capital of a decade old state, Jharkhand. Jharkhand is known worldwide for housing first private Iron and Steel Company of India, Tata Steel. The most industrialized cities of the state include Jamshedpur, Bokaro and Ranchi and so, they attract a lot of migrant population from various regions. This migration has cultivated growth of real estate in Jharkhand.
Ranchi, being the capital city, is witnessing huge growth in its real estate sector with high investments pumping in. Real estate in Ranchi is soaring high with property prices growing almost five times in last five years. The investments by real estate developers and land owners are already bearing fruits with reaping of such great returns. Depending on locality, the rates of property, today, varies from Rs. 1,200- 1,700 per square foot in comparison to Rs. 400-500 per square foot five years ago. The hike in prices is proving expensive for locals but government is taking steps to ensure that they do not face the brunt of these developments.
Jharkhand State Housing Board is planning to develop various residential and commercial space establishments jointly with private builders of the area. The construction of various multi-storied apartments and commercial complexes is in pipeline across the state with Ranchi alone in possession of 19 plots. Since, government plans to develop Ranchi real estate in collaboration with private players like Parsvnath Builders, huge investments in this sector can be foreseen. The most interesting feature of the city is its natural beauty full of surging hills, little streams, calm lakes and brooks that together form a picturesque sight. It has retained its traditional touch in spite of moving towards modernity swiftly with large number of developments taking place. Beautiful waterfalls and rich tribal culture are among its other major attractions.
The tremendous growth in Ranchi has led to a boom in retail sector as well with leading retailers such as Reliance Fresh, Big Bazaar, Spencer, etc. opening up their outlets. Malls, five-star hotels and multiplexes are also under construction indicating the growth rate of hospitality sector. There is also a proposal for industrial expansion on 350 acres of land along with setting up of SEZs, educational institutions and healthcare facilities. The growth in IT industry and tourism activities has high potential for bringing in the economic boost in the city.
The vision set for Ranchi is to make it a model capital city and 6Rs (of Redevelopment, Rejuvenation, Rehabilitation, Restoration and Preservation, Restructuring and Reforms) have been set in this line. The population of the city is expected to reach 15 lakhs by next year and the government seems to be all geared up to word towards making Ranchi a symbol of progressive Jharkhand. It has come up with a City Development Plan (CDP) that identifies land for new sub cities which would require 6400 hectares of land in order to accommodate growth till 2021. In addition to this, strengthening of management systems for urban planning, disaster mitigation, environmental management and management area also needs attention according to CDP. The government is also focusing on improving other amenities related to water supply, sewerage and sanitation, solid waste management, storm water drainage and urban transport. It is also chalking out plans for heritage conservation and tourism development, disaster management, effective urban governance, basic services to the urban poor, sustainability of investments and various other important issues.
With such commercialization of the city and improving living standards, Ranchi is gaining its position as a lucrative investment option. The positive push to both residential and commercial sectors has largely benefited the real estate of Ranchi.