Which Is a Better Option – Ready-To-Move-In or Under-Construction Property?

Are you planning to buy a property, but can’t make up your mind whether to invest in a ready-to-move-in or an under-construction property? You are not the only one. This is a very common question that every individual planning to buy a property considers.Both these alternatives have their own pros and cons. It is extremely important to analyze the advantages and disadvantages of each of them and then come to a decision on what to buy.In order to help you make the right choice, we have analyzed the pros and cons of both the property types.Advantages of ready-to-move-in over under-construction property
A ready-to-move-in property is immediately available for possession. You don’t have to wait long enough to own it. In the case of under-construction properties, there have always been delays in the delivery. This happens mainly because of land dispute and incomplete permissions from authorities. Hence, it is very important to check all the required permissions and land ownership details.

You can see every aspect of the property like the quality of construction, size of the property, the surrounding area, parking space, and all other amenities available and make a decision if the property is appropriate for you or not. You can check your neighbourhood; ask them your queries about water, electricity, maintenance and other amenities.This is not in the case in under-construction properties. You never get what you have been promised or what you have seen in the sample flat. Sample flats are furnished with modern amenities and specifications in such a way that you promptly say a ‘yes’ for it. But when you get the possession to your own house, you will realize that a lot of things are not up to the mark and not as per the promises made. The low quality of the construction material used, improper fittings of doors and windows, cheap electrical sockets and switches, and poor plumbing are some of the issues faced by buyers.

Since the property is already built, you can check the Occupancy Certificate, Completion Certificate and land titles, etc.
Advantages of under-construction property over ready-to-move-in
There are lots of under-construction properties available everywhere. This gives you the opportunity to pick and choose on the basis of the size, price, location, structure, floor level, etc.For ready-to-move-in property, you will have limited options and cannot select flats on the basis of floor level, view, structure etc.

An under-construction property is cheaper than an equivalent ready-to-move-in property. You can purchase it at a low price. But, once it is built, its price automatically rises up. This gives you price appreciation on your property and thus, gives you an option to sell it at a higher price in the future.In the case of ready-to-move-in property, there is a possibility that the price can be 25-50% more than any under-construction property of the same specifications.

There are various flexible payment plans for purchasing an under-construction property, which include construction linked plan, time linked plan or down payment plan. You can choose the best plan according to your affordability.Whereas, in ready-to-move-in property, there is no flexibility in payment options and you need to pay the whole amount at one go, including down payment, registration charges, stamp duty, etc. Plus there is a lot of legal work and documentation related to property transfer and ownership.

The way you design your home is completely in your hands. You can have the interiors of your choice. You can have everything that is of your preference.But, if you invest in ready-to-move-in property, there is very little scope of modifications that can be made. It will cost you more money to completely renovate a second hand flat.

Maintenance is one of the major issues in ready-to-move-in homes. If the property was vacant for a long period or if the earlier owner was not particular about regular maintenance, it would require a lot of effort and money to make it fit for habitation.
All the points discussed above may vary in every individual case. The points mentioned are on a general basis. Depending on your current situation, you must decide which kind of property is best suitable to you. Both kinds of property have their own qualities. Your decision should be taken based on your requirements, affordability, your financial situation, the amount of time period you have in hand and how much risk you are ready to take. If you decide upon buying a new construction property like a villa or twin houses, MFortuneCity is here to help you take the first step to build your dream home.

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Top Countries For Health Care

While many Americans believe we are in one of the top countries for health care, the truth is we are not. While the United States’ healthcare is the second-most costly in the entire world, we rank a distant 37th in quality! While it may not shock you to learn that America is not the top country where health care is concerned, the fact that we are not even in the top 10 should certainly give you reason for pause.According to the World Health Organization (WHO), France leads the world in quality health care. France is followed by Italy, Spain, and Oman, with Austria and Japan rounding-out the top 10. It must be noted that these “rankings” by the World Health Organization are actually some 10 years old now; this study was done in 2000, based on information compiled in 1997-1999. The World Health Organization no longer produces such studies due to the work involved, though it releases a new world health report every year.Just to put things in perspective, the data, which the World Health Organization used to compile this ranking order, was most likely formatted on computers running Windows 98 – maybe even Windows 95! MP3 players were still relatively new and the entertainment industries were in an uproar over an upstart site called Napster. Bill Clinton was still in office as President. In many ways, 1998-2000 seems longer than 10 years ago.In the last nine years, technology has advanced greatly, both in and outside of the medical field. As we all know, the United States is unquestionably a leader in technology. However, it does not necessarily follow that, because we are a world leader in technology, we are also a leader in health care – just as it does not follow that because we spend more on health care than almost any other country, we are a leader in the quality of that care. These statistics can be confusing, as the amount of money spent also reflects the fact that medical care in the United States is the most expensive in the world. Still, WHO found that access to healthcare in the United States has actually declined in the intervening years, meaning that, if anything, our ranking has probably slipped!But it isn’t all doom and gloom: worldwide, health care has improved and improved the lives of millions. Fewer children (ages five and under) are dying, and Malaria rates have gone down. More people today have access to clean drinking water, which helps cut-down on disease and parasitic infestation, as well. All told, the worldwide health care outlook is very good, and much of this has to do with technological advancements made in the last decade.The top five countries for health care are (in order) France, Italy, San Marino, Andorra, and Malta. The United States is a distant 37th, despite the fact that it spends more than any other country (save one) on health care. While technological advancements have continued at a staggering rate and improved health care globally, the World Health Organization (WHO) found that access to medical care has actually declined in America since this report was made! Like all statistics, the results can be misleading without further information, and the information presented in this article is actually some 10 years old now, however it is the only information available to us, as WHO quit ranking countries for their health care due to the amount of resources it requires.

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Avoid Online Business Loan and Business Cash Advance Applications

Commercial borrowers should avoid submittals of application forms for commercial loans until after specific lender interactions. Business owners should especially avoid online applications for business cash advances and business loans, and this commercial funding article will describe how and why to avoid the online application trap involving commercial loans.Business owners and commercial borrowers will consistently find an almost limitless supply of internet sites for commercial loans. Most business cash advance websites will include some version of an online application. Here is a four-step process for avoiding the unwise use of applications for business loans.The first step is to avoid the initial temptation to submit a commercial loan application online. It does appear to be convenient for a borrower to apply for business financing online. Perhaps some borrowers are attracted to the anonymous nature of the online business finance application because they have been previously annoyed by sales tactics and evasive answers in loan discussions.Many commercial lenders have contributed to the pervasiveness of online applications in large part because they are fearful of losing some competitive advantage by not having this capability. However in attempting to match their competition, business lenders and brokers are sacrificing the best interests of their commercial borrower clients by facilitating the online application approach for commercial loans.The second step is to understand why it is essential to avoid an online application. Applying for commercial loans via a website is similar to submitting a resume without previous research or discussions when seeking employment. What makes an online business loan application even more risky and inadvisable than the anonymous resume example is the usual inclusion of tax identification numbers and other sensitive financial data on a commercial funding application document.Online applications have several critical problems. First, there are always potential security breaches during transmission (as well as before and after transmission). Second, there is a significant loss of control by the commercial borrower in the use of their social security number or tax identification number for checking credit (since many online application processes will result in checking credit before any personal conversations occur). Third, most commercial loans are simply too complex to initiate by an oversimplified automated process. Beginning the business cash advance or commercial mortgage process with automated applications is similar to skipping pre-game warmups and coaching pep talks prior to kickoff in a football game. The easiest approach overlooks too many essential preliminary steps.A suggested third step is using an alternative and improved approach to the online business loan process. The simple and pragmatic solution to the online application dilemma is to insist on preliminary personal discussions with an experienced advisor before submitting any form of commercial finance application. A suitable and ethical commercial lender will not ask a commercial borrower to submit any application until the borrower has completed a thorough discussion with the lender confirming that financing is appropriate for a specific financial situation.Of course it should be anticipated that some commercial lenders and brokers will attempt to minimize the potential problems associated with an online financing application. In such situations, borrowers should search for a commercial loan advisor who routinely emphasizes an individualized and conversational approach to commercial funding.The fourth step is to explore additional resources that will facilitate a better understanding of complex finance issues. The Commercial Real Estate Loans Guide and The Working Capital Management Guide are two examples of financing resources that will provide strategies for many problematic circumstances dealing with small business cash management.

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Are You Killing Your Small Business?

What you do and do not do on a daily basis has a long term compounding impact on your Small Business success. Depending on the approach you take and the level of self-sabotaging you engage in will have real effects on the outcome of your business, including whether or not you are actively killing your Small Business.What does killing your Small Business mean?Killing your Small Business means that you may be making decisions that are sabotaging your business success and unwittingly committing to a course of action that will eventually see you fail.
It is about the self-sabotaging behaviours that people employ on a conscious and subconscious level to stop themselves from being successful, to slow things down or to completely undermine their goals.
It is a bad habit that can cost you your Small Business;
It is a bad habit of ego-centric, failure enduring decisions etc that do not serve your highest purpose;
It is allowing fears to drive your Small Business direction and kill it from the inside out. Often this is a slow and painful death – one small decision, action or inaction compounding over time.
What does killing your Small Business look like?Imagine that you decide to put on an event to show off your services and bring in more clients/customers, more money and build your business. As a result of this decision, you go about setting up the event, sorting out the details, thinking about the costs and considering what profit you will make. You’re excited and ready to go, but, then something strange happens and you lack the motivation to do the basics well to get the message out there to your niche audience. You find yourself unwilling to step out of your comfort zone and be vulnerable.
Worries begin to fester about your ability to pull the event off;
You worry that people will see you as an imposter;
Fear takes root and all your decisions and actions are now run through this internal filter;
You think about giving up;
You think about retreating because it all seems to hard to get off the ground;
You may even worry that you will have too many people show up for the event and what will you do then?
Fear burrows deeper in your gut and whispers, “Who do you think you are? You know you can’t handle it, you’re not ready, you need more time. You’re a fake, fraud and you’re not going to cope if they all come.”Subconsciously you sabotage your every effort to grow your business through inactions and not following through. You now live in Excuse Central! You feel overwhelmed and the last thing you want to do is take action.You may be asking, what person in their right mind would be doing this! It’s insane and it doesn’t make sense.But from an emotional safety perspective it makes perfect sense to the Small Business Owner who fears too much success too soon. They may fear not being able to handle the abundance and prosperity that could flow from their awesome idea.I never said it was rational.Internally their subconscious seeks to keep them safe through avoiding situations that have the potential to be successful.Say hello to procrastination!This kind of self-sabotaging behaviour may not even be something that they can see themselves, however, anyone around them who is trying to help them get off the ground and grow their business can see it. Bystanders are often fraught with frustration as they watch you abort your best efforts.If a bystander tries to intervene when the Small Business Owner is not ready to receive their message of how to help, it can lead disagreements, resentment, anger and parting of ways.Fear and an out if balance ego that feels threatened are insidious weeds that, if left unchecked, can become an out of control jungle of compounding self-sabotage behaviours that have a flow-on effect, resulting in you actively killing your own Small Business.Where to from here?If you have begun to see yourself in this scenario, that is a good thing to acknowledge. Admitting that you have a fear that holds you back is an empowering step forward. It is an opportunity for you to explore what is really going on inside you.
Check in with yourself to see if your ego has flared up in response to help and give humility a go, you may just end up being more successful than you thought and experience greater support from like-minded people;
Reflect on what you are doing or choosing not to do. Ask yourself the hard questions to get to the deep reason as to why you do not want to be successful right now;
Consider what might be holding you back from success and nip fears in the bud because honestly, having too many people want to attend your event and know about your Small Business is a good problem to have!
Daily reflection on your thoughts, behaviour and resistance will help you to avoid killing your own Small Business.

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3 Mistakes to Avoid When Marketing and Promoting Scientific, Legal or Technical Products or Services

Have you ever been listening to the radio or watching television when an egghead or brainiac starts talking about the great new technology product that his/her company has developed? Did you keep listening, or did the featured egghead get bogged down in too many complicated scientific big words and concepts making you change the channel as fast as possible. You know you may have just missed out on finding out about a great new product or service that could save you thousands of dollars or extend your life by 100 years. But you and the thousands of other potential customers and clients will never know because you changed the channel.It is important to recognise that scientists, lawyers, engineers and technologists don’t always make the best spokesperson for the promotion of a product in the media. A good technical communicator will be able to cut through jargon and explain in simple terms, concepts important to promoting a product. Many science and technology companies send a press release before they prepare their strategy for an effective media campaign. There are 3 main mistakes that companies make when approaching the media to promote a new scientific or technical product or service.Mistake #1 – Using complicated Scientific Jargon and conceptsMistake #2 – Failing to prepare a technical sales communication planMistake #3 – Using only one media channel to promote the product or serviceAvoid Using Complicated Scientific Jargon & ConceptsYour potential customer or client needs to be able to understand quickly what the product or service is, and how it will benefit them. No point showing up for your media opportunity and losing everyone on your first sentence. For example, if you are a company who has developed a new water filter for use in the home, don’t lead with technical information like this;”The new water micro-filtration system has a 1 micron sediment pre-filter in a superfine polypropylene cartridge and a 0.4 micron carbon super block, superior post-filter with heavy metal removal technology.”While this technical description might be important to the functioning of the product or create a point of difference, this information does not help your target customer make an informed choice about the product and how it relates to them. Instead, you should use uncomplicated words and refer to concepts which are aimed towards your target customer’s level of understanding. For example;”Our new in-home water filter will give you unlimited clean and clear water guarding your family against all kinds of bacterial and chemical contamination.”To provide the best chance that media will pick up your press release, you need to be able to share information about the benefits of filtering your water and provide some education for viewers or listeners about common contaminants in unfiltered water.Effective Technical Communication relies on PlanningBefore you can address the last two mistakes that I have listed, it is essential to identify a good technical communicator either inside or outside your company. Engaging a specialist technical communications consultant is both efficient and cost effective. Your specialist consultant can also assist in other areas by working with you to prepare an integrated scientific and technical sales, communication and promotions plan and provide training and education for your scientists on effective communication techniques for writing and the media.

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