Popping The "Real Estate Bubble" Myth!

If you turn on the TV, listen to the radio, or even surf the internet, you'll notice that there is a lot of people talking about the "Real Estate Bubble", and asking the question, "when is it going to burst?" They (these so-called experts) have been saying for years that the real estate
market can't continue this type of growth. These "experts" remind me of chicken little, with all of their prosphesy of doom and gloom, and the "sky is falling" syndrome. The truth is there has never been a real estate bubble in the past, or presently, and there will certainly never be one in the future. Talk about there being a "real estate bubble" is the stuff that urban legends are made of.

Here's the readers digest version of what it all means. The
real estate market is really, a "wave". It's cyclical, and
we are riding on a big wave right now. Real Estate is just
like Investing in the stock market, There are good years
when values rise and there are years that are better, when
values rise even higher. That's it, in a nutshell. Real
estate has gone up and down throughout history, and
generally speaking, it is fairly stable. When you look at a
graph of real estate values, you would be able to see a
clear pattern of increasing values. Now some years would
have higher peaks than others, and all in all, it is a
gradual building slope from left to right. And it looks just
like a wave.

In addition, there are more up cycles, than down cycles. So
the recent growth we've had will be followed by ones of
downturn. The only difference is that it may not be as much
of an increase, in other words the increase will be slower.
The bottom line is, it will still be growth. This is why
there will always be growth. Real Estate is a basic need.
People need a roof over their heads. You can rest assured
that people will be renting, buying, leasing, and selling
homes. And it doesn't matter if the market is low or high or
if the interest rates are up or down. Real Estate is a sure
thing!

Remember Real Estate cycles tend to be regionally based.
Real Estate is always driven by the economic principles of
supply and demand. Some areas of the country, like
Seattle, are going gangbusters, and real estate values are
going sky high, and other areas like parts of the northeast
are not increasing by the same percentage. However
almost
all areas are going up in value. Historically, property
values increase in a strong job market. Other factors
to think about include; program funding, interest rates,
population growth, climate, and user-friendly state and
local governments, including school system changes.
These
are critical points to consider when investing in real
estate, either as a landlord or for personal use.

The key to successful real estate investing is to understand
what drives the market. Stay on top of what is going on in
your market place. Research the internet, read articles, get
involved with your community. One other key to staying at
the top of your game is to get a mentor or coach to help you
succeed in your real estate investing career. If coaching is
good enough for sports figures like Tiger Woods, why not
you?

To sum it up, Real Estate bubbles don't exist, but there is
a real estate wave. As any surfer knows, if you want to
ride the waves, you need to get in the water. Watching the
action can be fun, but will it put any money in your pocket?
Invest with the intention of providing a service for others,
and you can become rich investing in Real Estate.

Angola - A Beautiful Country

Angola, located in south-central Africa is a destination with beautiful landscape immersed in shades of history. Even though Angola was involved in a very long civil war for 27 years, the past decade has seen tremendous efforts to rebuild the country. Through economic revival and tourism development, this nation is slowly inching towards prosperity. Angola has not yet made a very solid mark on the global map, but there are many things that can be done in Angola.

Over the past few years, Angola has prospered in various different ways. The beautiful landscape of Angola, such as Cabinda, Benguela, Bengo, Cabinda and many other provinces of Angola has helped in economic revival through tourism development. The charm and richness of Angola lies in the fact that the landscape and the buildings are deep rooted in history. Photos of Angola are breathtakingly beautiful and attract large number of tourists. As a tourist and visitor, Angola has a lot to offer. The rich flora and fauna of this country has brought nature lovers to its National parks such as Cameia and Iona. In addition to enjoying landscape and natural beauty, tourists can enjoy the rich musical legacy and of course the beauty of Angola. The traditional music of Angola is a fusion between African beats and Caribbean music. One can also find beautiful traditional handicrafts in Angola and pictures of Angola are spread everywhere, for you to get a small taste of the country.

As Angola was under Portuguese rule for a long time, the present country reflects a beautiful blend of African traditions with the Portuguese culture. As tourism in Angola is developing, the places to visit are not crowded or cluttered. Hence, it becomes the perfect destination for a peaceful and quite holiday.

In addition to being a growing tourism hub, Angola has much else to offer. There has been a rapid increase in investments in Angola, especially in sectors like oil, minerals, diamonds and agriculture. Luanda, the capital city of Angola has become a commercial centre of Africa and acts as a link between the East and the West. Even though oil and diamonds are the sectors that are prospering, the agriculture sector too is expected to take off and attract foreign investments in the near future. Products like tobacco, vegetables and sugarcane are already exported from Angola to different parts of the world. Apart from diamonds, this country also has rich mines of other gems and iron ore. There is a vast potential for investment in Angola in all these industries and to exploit the full potential of the country. With a high rate of development, Angola has become the fourth fastest growing economy in the world and it has shown sustainable growth in the past 6 years. The government of Angola has ensured that the infrastructural and regulatory climate is conducive to attract investment in Angola and now all the conditions are gathered to welcome travellers, photographers and investors from all over the world.

Professional Liability Insurance

When professionals are hired, they are done so with the belief that they have the necessary expertise and knowledge to carry out the task to the best of their abilities. Added to that, there is a certain code of conduct they are expected to abide by while doing their jobs. When professionals fail to meet the standards desired of them and their skill levels fall much below expectations, they are liable to be taken to court for the loss they inflict upon the business of another person. Thus, they need professional liability insurance. Professional liability insurance is termed "errors and omissions" liability, when liability is confined to acts of negligence.

Professional liability insurance is an independent and specialty coverage. It is not provided under business owner's policies or homeowner's endorsements. Professional liability coverage covers its client against damages from claims of suspected negligent acts, errors or omissions in performance of the client's professional performance, etc. This could include a plethora of issues like software or system failure, loss of client data, non-performance, etc. Professional liability insurance coverage also includes the legal defense cost. The costs it covers, including court costs, are restricted to the coverage limits in the client's insurance policy.

There are different types of personal liability insurance coverage. Personal injury covers the client against claims of slander, libel and invasion of privacy. Intellectual property infringement coverage covers the client against claims of copyright infringement. Software processes and systems are commonly termed "intellectual properties." Also, worldwide coverage is provided if the suit is bought in America.