Investment Products – The Basics

Trying to make sense of the investment industry is no mean feat and it’s widely recommended to get a professional opinion before you make any hasty decisions – this is your hard earned money you are considering investing into a business, person or product after all. Investment specialists spend years gaining and building up their expertise, so it’s wise to take advantage of this in-depth knowledge. In this article we’ll cover some of the basic and more widely used types of investment.

Stocks and shares are a common type of investment covered under the equity umbrella. Equity encompasses a broad range of terms from investment into one company or organisation (high risk) to a fund that represents global markets and thousands of companies, spreading the risk out.

For those individuals interested in secure investments with minimal risk there are a number of national savings products available on the market, so called because the government backs them and uses them as a method of borrowing. These policies tend to offer good tax benefits due to them being backed in this manner too. Some common examples are ISA’s, Fixed Interest National Savings Certificates and Premium Bonds.

There are numerous TV programmes around now that attempt to unravel and clarify the complex nature of this next type of investment – property. Whether it’s landlording, property shares, unit trusts or property development be aware of self-declared gurus out there and too-good-to-be-true deals, if they seem too good to be true they often are! Immensely complicated in nature the booms and consequent busts of the market can mean an innocent investor loses thousands of pounds in an instant.

Our next type of investment to discuss is endowments. These were widely used only a few years ago but in recent times, have been less so as the associated risks with this type of investment have become more apparent. Based on the assumption that the policy provider will experience investment growth they work by the borrower borrowing money on an interest only basis for either a mortgage or loan repayment. The endowment is then taken out to provide life cover for the duration of the loan and offers a lump sum at the end, there was often some additional money left over too which made these worthwhile before the risks became too great.

To conclude, for those looking to make an investment of some description, we strongly advise visiting a professional first so they can match your investment needs with the right policy to suit your situation and means.

For advice on all the above and other financial services including pensions, SIPP’s and bonds you can visit the Financial Planning Partners to chat with an advisor.

Active Adult Community in the Bay Area is Perfect for Retirees

When looking for a place to rest and relax after years of hard work, there’s nothing better than Tampa active adult communities for retirees. Most retirees arriving in Tampa choose Sun City Center homes, because they provide a great variety of housing options for senior citizens that have been especially constructed with those over 55 years of age in mind. The houses built here are small, but beautiful, making them much easier to clean and maintain.

One does not have to look far to figure out what sets this community apart from the rest. Residents will be comforted to know that there needs are of paramount importance as the community only permits residents of over 55 years of age. The community has been planned to offer the best convenience to this demographic including conveniently located shopping, banking and medical facilities. Everything needed to live out daily life can be found within this self sufficient city.

Some senior citizens may be wondering how self sufficient they can be when the ravages of age has affected their eyesight. This contingency has already been planned for as residents of Sun City are supplied with golf carts that will help them move around the area without any hassles. This is a pleasant surprise for those who had given up on driving as they can now regain the freedom of movement they once had.

Life in Florida’s Sun City can only be called heavenly with its naturally beautiful scenery and fantastic beaches that make living here the ultimate in luxury. It does not matter how you wish to spend your life, be it by walking the endless miles of sandy beaches, or by taking a dip in the silky smooth waters of Tampa Bay; there’s something for everyone who wants to escape from the mundane chores of their daily lives.

This beautiful paradise on earth has everything going for its Tampa active adult communities with its well planned museums for anyone interested in history or night clubs that will enable you to shake a leg and enjoy the music. Thespians no doubt can visit the theatres that present the latest shows, while the many restaurants located in the city provide all the fine dining desired by the folks living in Sun City Center homes.

Retirement is the time in life that you look forward to, hoping you will be able to indulge in all the activities you had no time to do while working and raising a family. Each has his or her own dreams to fulfill. No one need be left behind at Sun City where various recreational activities, and community centers help you to meet and get to know others. Here you become a part of the close knit community that lives and enjoys the evening years of life.

With a total area comprising of 13 square miles of which 2 percent is water, there’s an increased demand for housing in the area with many retirees flocking to take advantage of the wonderful lifestyle offered at Sun City. Although a major part of the area has been fully developed, there is always some sort of construction going on to provide even more and better facilities to its residents.

New and soon-to-be retirees should make an effort to visit Sun City. There are still some homes waiting to be snatched up or visitors can have a look at soon to be completed units. The many activities going on ensure that any new resident will find something they can enjoy. Whether you prefer your solitude while fishing or want to enjoy a few beers with friends in the evenings, Sun City is the ideal location. This Tampa Active Adult Community will not only provide you with an enjoyable experience, but a safe one too as round the clock security comes as part of the package.

About the author: Lance Mohr is an authority on the Tampa real estate market with more than 18 years of experience as a Realtor and mortgage banker. If you have any questions or are looking for a professional Realtor give me a call. For more information on Odessa, FL homes for sale or Northdale, FL homes for sale go to at

Follow These Tips For Buying A House And Become An Informed Buyer

To make informed home-buying decisions, you may need more information than you currently realize. While interest charges on mortgages are cheaper than they’ve been in a long time, you may be concerned about your job stability-with good reason. Since you will be legally bound to make payments on your house, regardless of whether you are laid off or change jobs, it’s important to feel secure with this fact. There’s more to making informed home-buying decisions, than just finding a good home that offers plenty of space.

Making more money than your expenses is the first step, but lenders have certain guidelines for how much more you need to make. Before you start shopping for a home or the loan to purchase it, you should strive to pay-off bills or cut expenses to a third of your income. Many people believe the initial closing costs and required down payment is all they need to worry about, as long as they feel the payments are affordable. These ratios of expenses-to-income are strong considerations to a lender, who wants assurance of repayment.

Before you ever start searching for your dream home, you should figure out the features you require and which ones of those you most desire. When calculating your space requirements, allow enough room for the needs of a growing family, if required. Determine what features you are willing to sacrifice, for the sake of having others. This can save you time, when you are ready to narrow down the best choices.

One of the many things to consider is whether to buy new or an existing home. You have to think about this carefully. One the one hand, new construction is often more expensive, but all the appliances are new and under warranty. An older home may be less expensive, but you may have problems in a few years that may have out of pocket expenses.

Property inspections are an important aspect of an existing home purchase. If you aren’t mechanically-inclined enough to look at electrical, plumbing and structural aspects, you will need to hire an experienced inspector, once you decide to make an offer. It’s important to remember all systems should be examined, prior to closing. Don’t forget to include appliances and other expensive fixture items.

For this reason, it’s advised to make a professional house inspection, part of your offer agreement. Unless you are experienced in heating and cooling repairs, you may not know what defects to look for. You should try all major operating systems, before signing on the dotted line. Some essential items on your checklist should include the home’s exterior, roof, drainage and foundation grades, besides looking for structural issues and major plumbing issues. Be sure to put these items in writing, for later recollection.

If you have followed these steps, you may be ready to make your decision and start negotiating your lowest price. Don’t forget to list any contingencies based on a professional home inspection report and determine who will pay for needed repairs. When the thorough examination of the home takes place, it’s the perfect time to ask questions of an experienced inspector, who can explain repair costs and the consequences. The Internet provides a simple way to find licensed or certified home inspection companies.

Making an informed home-buying decision just takes a systematic approach, while online websites can answer any questions you may have. Because this is the largest investment you are likely to make, it should be one that’s made with careful forethought and plenty of information.

Lance Mohr is a specialist in the Tampa real estate market. If you have any questions or are looking for an hard working Realtor give me a call. For details on Live Oaks homes for sale or Pebble Creek homes for sale please visit our website at

Real Estate Overview, Tampa Area

Tampa is in the south eastern portion of Florida, and I a portion of the area that is known as the Tampa Bay community.

Four counties make up the Tampa Bay community. They include Hernando, Pinellas, Pasco, and Hillsborough. You will find Tampa Bay area one of the best communities that you’ve seen thus far, with the very diverse array of housing and the wide variety of communities in which to live.

From condos to single family dwellings, to gated communities to the most beautiful estates in the United States, nearly all of them are available to you in Tampa Bay area. The home prices in Tampa Bay area are ranging currently from about 100 thousand dollars to 2 million dollars, dependent, of course, upon the kind of home in which you are interested.

For those who are seeking a house that is a slightly lower priced home, you will find that the areas which lie between Sarasota and Tampa will cost slightly less. If you’re considering relocating to Tampa Bay area, the Forbes team has stated that while the cost of living rose about 2006, it is now lowering and continues to do so steadily. Tampa is about 16th in larger cities for their cost of living. It is quite a bit lower than many of the other metro areas in Florida, as well as in other states such as California.

Tampa weather is renowned the world over. It is subtropical in nature, with temperatures that typically stay around 65 in the winter time, to about 95 in the summer time. The temperature alone, as well as the nearly daily sunshine that Florida boasts, makes it a delightful area in which to live. The humidity in Florida is higher, however most real estate that you will find here is fully equipped with air conditioning, and the proximity to the white sand beaches makes it less of a problem. Tampa area has been listed as the number 12 most interesting and best cities to live.

You will find a vast number of agents who are waiting to sell you real estate in Tampa Bay, which means that you’re not going to have long to search for someone to help you find what you’re looking for. In fact, the real estate agents are very forthcoming, often giving you a free appraisal for your home, whether you are buying or selling real estate in Tampa.

Tampa area is a great place to buy rental properties as well. Regardless of the type of home that you own, Tampa is a paradise for holidays and summer travelers. Many of these people will want to rent properties during the y ear. With a climate that is conducive to summer as well as winter travel, the ability to find a renter at any time of the year is well within your grasp. This makes Tampa Bay area a wonderful place to get rental properties too.

Lance Mohr is a specialist in the Tampa real estate market. If you have any questions or are looking for an hard working Realtor give me a call. For details on Tampa Bay, FL new homes or Tampa Bay, FL communities please visit our website at

Some Things You Should Mull Over When Buying A New Home

The affordability of Tampa new homes may be the primary reason homebuyers should consider them an option, when searching for the home of their dreams. Existing homes offer some discounted prices, but there are some builders offering prices barely above their costs. Some advertise incentive packages for upgrades on homes they’re building. Besides owning a clean, fresh home, customized with your personal desires in mind, you can save money, too!

Due to the glut of foreclosures, established and reputable builders have been sitting on the sidelines, waiting for the economy and housing market to improve. With new construction homes, there’s no longer lengthy waits, associated with custom-built homes. Reasons to purchase new construction homes include a quicker move-in timeframe, while there are still highly-desirable lots and almost-completed homes to choose from. You can add personal touches or desired features and appliances to these homes, with many builders offering free upgrades. Cost-savings are occurring throughout new home market.

It’s still maybe a competitive marketplace, so seasoned building companies may use Realtors, to help them move their “spec”, models and new construction homes. Homebuyers may think they get the best pricing dealing directly, but there are some construction companies that prefer to deal with buyers represented by real estate professionals. This makes it easier to negotiate and document transactions, by allowing a Realtor to handle all the paperwork. For home buyers, this could mean an advantage to locating the Tampa home of your dreams.

Imagine finding new home for monthly payments less than rent! It’s possible to find ready-to-move-into new homes, which have just been completed. Some builders are offering attractive pricing on nearly-completed homes, which were only partially-completed, before changes in the housing market.

Real estate agents may be able to show you a wide variety of new homes, which suit your personal tastes. Whether you want to custom-build or choose an upgraded and furnished model home, you may need professional assistance.

Some new homes allow you to personalize your dwelling and turn a house into the home of your dreams. With added upgrades and price-discounting, it’s more affordable than you may think. The features you most desire can be incorporated, with many great lots remaining in the newest subdivisions. Master-planned developments ensure your home will retain resale value, while providing the lifestyle and amenities, you most desire.

Realtors are connected to honest and knowledgeable builders homes. The affordability in newly-constructed homes is enhanced, with the free mediation and transaction-handling services of an experienced real estate agent. When purchasing a newly-built home, real estate experts can suggest cost-savings you hadn’t thought of. Sound advice and cost savings are available, when you’re ready to purchase a newly-built home.

About the author: Lance Mohr is an authority on the Tampa real estate market with more than 18 years of experience as a Realtor and mortgage banker. For more information on Riverview, Florida homes or Sun City, Florida Center homes go to at