Big City Travel Tips – Safety First

Big city travel has never been more alarming for individuals not used to city travel and unfamiliar with the city in question. It can be daunting traveling to a new destination, but apprehension is more likely to rise to the surface when you look at just how many crimes take place these days. Couple that with the alarming big city travel stories that have been publicized on the Internet and it is little wonder that individuals debate as to whether they really want to experience certain cities for themselves!However, big city travel tips can easily help to put the minds of potential travelers at rest. There are several things that anyone can do to keep themselves safe in the big cities and thus can visit them, see the sights and enjoy some well-earned time away from the stresses and strains of modern life with little hassle. Simply follow the big city travel tips below and you cannot go far wrong!1. Luggage – Only take what you need when you travel and make sure that you have a list of the belongings in your bag. This big city travel tip can save you time if your luggage does get stolen, but will also enable you to find what you need in an emergency. You should never leave your luggage unattended for even a second while traveling in a city. It will most likely either be stolen or tampered with if left unattended for a few seconds so ensure that it remains within your sight and possession at all times.2. Money – Only take one or two credit cards with you on your big city travel trip and ensure that the PIN numbers, if you have them, are not in your possession. Also, when taking money with you, split it up. Divide the cash between pockets in your luggage and areas on your person. For example, keep some of it in your socks, some in a pocket, some in a money belt under your clothing and so on. That way, if anything does happen to you, you will at least have enough money to get back to your hotel. If you are going to a city abroad then take travelers checks with you because they are insured. If you lose them then you can cancel the originals and receive replacements usually within 24 hours.3. Schedule – Vary your schedule from day to day when undertaking big city travel. This may not seem like a big deal to couples and families that are set in their ways, but individuals looking to make a quick buck one way or another undoubtedly target some tourists. If you vary your schedule then it will be almost impossible to predict where you are going to be at any given time and this can keep you safe.4. Clothing – Never wear anything that projects wealth or affluence when undertaking big city travel. This includes jewelry, clothing and any accessories that may point to the fact that you would be a great target for a mugging or robbery. Most tourists wear normal and relatively cheap clothes that blend into the background, and anybody flaunting that guideline is putting him or herself at risk.5. Family – If you and your family split up during big city travel time, make sure that you have a way to get in touch with each other, have arranged a set meeting place and time, and are completely clear on all of these points so that you will be alerted to the fact that anything is wrong straight away. Wherever possible in big city travel, individuals traveling together should stay together. However, the need does sometimes arise. If it does, make sure that you all have the address of the hotel and a map of the city with you at all times.6. Scams – There are always individuals looking to scam people that are strangers to an area, and during the course of big city travels there are many of them about. Only ask trusted sources for directions and advice, never follow the guidance of strangers unless they are affiliated with official bodies and only buy merchandise from official stores. These guidelines may sound like common sense, but many people flaunt them and this can get them into difficulties!

5 Ways of Financing Investment Properties

During the height of the economic crisis, a lot of people were hesitant to invest in real estate as a result of the housing meltdown. Fortunately, this stage has passed and the industry seems to be making a comeback. Today, you can easily buy in a down market and make a huge profit. But of course, you need to do your research depending on the type of investment you’re planning to make.

A good rule of thumb to follow before investing in real estate is that you should have an excellent credit rating, and you should feel financially secure. This way, even if you unfortunately experience some downsides to your investment, it wouldn’t have that much of an effect in your life. The upside is that you’ll earn a significant profit; you’ll consider real estate investment as a lucrative main or side business venture.

Now, the one problem you’d have when dabbling in property investing is where you’ll get the funds you need. How are you supposed to finance your real estate investing venture? Here are the top five ways on how you can do just that:

1: The Traditional Way

You need to have a solid credit rating and be financially stable before trying to invest in properties. The traditional way to finance real estate investments is to borrow money from banks, credit unions, home mortgage companies, and other financial institutions. Most of these have a high credit score requirement. You also need to provide a full documentation of your income and debts, and you need to shell out at least a 10% down payment. Overall, this is one of the safest and most well-known methods of financing real estate investments.

2. The Lease Option

An unfamiliar yet still suitable form of financing investment properties is the lease option. It allows you to own property for little or even no down payment. Within two or three years, you can be given the right to purchase the property while you’re still looking for financial backing. It can also be arranged that a percentage of the monthly lease payment goes towards the balance of the cost of the property.

3. Through Seller Carry Back

Also called buying on terms or creative financing, seller carry back refers to any method of financing aside from the traditional one. This is a good way for investors to use as little of their own money as possible, where sellers usually agree to carry the note of your purchase.

4. The Seller Second

For this, the seller provides a second mortgage and cash flow notes are usually involved. For example, if you’re pre-qualified for a loan which requires you to shell out 20% down payment, an offer can be made so that the seller can carry a cash flow note for 20%. The one thing you need to check when going for this option is that the loan you’re qualified for should allow a second mortgage attachment. Although there are some loans where this is a possibility, seller seconds are not allowed in most cases.

5. Using the Subject-To Method

Finally, you can go for the subject-to method which is a short-term solution for real estate financing. It means that the investment is subject to existing financing. When you purchase a property, one condition is that the existing financing stays in place. The title can be transferred but the loan will still be under the seller’s name, although the buyer is already making the payments. This financing is suitable for properties that are about to be foreclosed.

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