Monday, April 11, 2011

Real estate investment

Real estate investment involves the commitment of funds to property with an aim to generate income through rental or lease and to achieve capital appreciation. Real estate refers to immovable property, such as land, and everything else that is permanently attached to it, such as buildings. When a person acquires real estate, s/he also acquires a set of rights, including possession, control and transfer rights.
Understanding real estate investment is crucial because it usually involves a substantial investment and a long-term one. Moreover , the real estate market can be unpredictable. This is particularly important when one goes beyond buying a home to actually 'investing' in real estate. There are a number of ways in which an investor can participate in the real estate market.


One can opt for real estate investment with an aim to rent the property out to a tenant. The owner (landlord) earns a continuous stream of rent from the tenant, but is responsible for paying the mortgage, taxes and any costs associated with maintaining the property. The owner also benefits from capital appreciation (a rise in the value of the property over time). The landlord runs the risk of not finding a tenant and could suffer negative monthly cash flows, with mortgage payments and maintenance expenses still to be borne. As compared to owning stocks and bonds, rental real estate requires a significant amount time and effort to be devoted by the landlord.
Real estate investment groups are similar to small mutual funds. They are set up for rental properties. While an investor may own one or more units, a professionally managed company acquires, builds, maintains and lets out all the units on the properties in exchange for a percentage of the monthly rent.
Real Estate Trading

Real estate traders hold properties for only a short span of time (less than four months), aiming to sell them at a profit. This process is called flipping properties. Investors aim at purchasing significantly undervalued or very hot properties. Such owners may or may not invest money into improving the property before putting it back on sale. A bear market could result in substantial losses for a real estate trader, since the investment is large.

from - http://www.economywatch.com/investment/real-estate-investment.html

Friday, April 8, 2011

After Divorce, Stable Families Help Minimize Long-Term Harm To Children

After Divorce, Stable Families Help Minimize Long-Term Harm To Children
A new study found that children who lived in unstable family situations after their parents divorced fared much worse as adults on a variety of measures compared to children who had stable post-divorce family situations.


“For many children with divorced parents, particularly young ones, the divorce does not mark the end of family structure changes – it marks the beginning,” said Yongmin Sun, co-author of the study and associate professor of sociology at Ohio State University’s Mansfield campus.
“A stable family situation after divorce does not erase the negative effects of a divorce, but children in this situation fare much better than do those who experience chronic instability”


The study appears in a recent issue of the Journal of Marriage and Family.  Sun conducted the study with Yuanzhang Li of the Allied Technology Group.
Data for this study came from the National Education Longitudinal Study, which surveyed thousands of students across the country beginning in 8th grade in 1988, when they were about 14 years old.  They were surveyed again in 1990, 1992 and then again in 2000 when they were about 26 years old.
The study compared children who grew up in three different situations:


  • Children who grew up in always-married households (5,303 children).
  • Children whose parents divorced before the study began, but who lived in a stable family structure between ages 14 and 18(954 children).
  • Children whose parents divorced prior to the beginning of the study, and whose family situation changed once or twice between ages 14 and 18(697 children).
In the two divorced family groups, children may have lived in single-parent families or ones with a stepparent.  The key for this research was whether that arrangement – whichever it was -- changed between ages 14 and 18).
The researchers compared how children in these groups fared on measures of education, income and poverty in 2000 when they were 26.
Results showed that young adults who grew up in stable post-divorce families had similar chances of attending college and living in poverty compared to those from always married families.  But they fared less well on measures of the highest degree obtained, occupational prestige and income.
However, the young adults who lived in unstable family situations after their parents divorced did worse on all measures.  In fact, they fared more than twice as poorly on most measures compared to their peers who had stable family situations.
For example, adults from stable post-divorce families earned about $1,800 a year less than similar adults from always-married families.  But those adults whose family situations changed one or more times between ages 14 and 18 earned about $4,600 less.
Sun noted that some of the children in the unstable family group also underwent a custody change between ages 14 and 18.  An analysis showed that they did not fare significantly differently from those who were in unstable families, but did not experience a custody change.
There were also no significant differences between how boys and girls responded to family stability after a divorce, Sun said.
Why do children of divorce fare less well than those who grew up with parents who stayed married?
This study found that for those in stable post-divorce families, the difference in adult well-being was mostly due to a shortage of economic and social resources.  Compared to always-married parents, divorced parents had a lower level of income, didn’t talk to their children as much about school-related matters, had fewer interactions with other parents, and moved their children to new schools more often.


“As many previous divorce studies point out, divorce reduces social resources within families because children have fewer interactions with the non-custodial parent, and in many cases, don’t get the quantity and quality of parenting from the custodial parent,” Sun said.
“In addition, after a family disruption, parents may not invest as much time with teachers and other parents in the community, all of which lead to a lower level of child well-being.”
For children in unstable families, the decline in social and economic resources was only part of the reason for the shortfalls they experienced in adulthood.
“These children probably experience a lot of stress and disruption from sources that we didn’t measure in this study,” he said.
These findings provide a clear message about how parents who are divorcing can best help their children, Sun said.
“A stabilized post-divorce family environment is clearly helpful for children, particularly for adolescents, such as those we studied, because stability allows children to focus on their own developmental needs rather than on continual family crises,” he said.
The study was supported by grants from the Ohio State University Initiative in Population Research and a population research center grant awarded by the National Institute of Child Health and Human Development

from - http://www.sciencedaily.com/releases/2008/05/080507132910.htm

Tuesday, April 5, 2011

The Advanced Boiling Water Reactor (ABWR)

Proven, Advanced Technology


The Advanced Boiling Water Reactor (ABWR) already has an impressive track record. In Japan, four ABWR units are in operation; another three units are under construction in Taiwan and Japan, and nine more units are planned in Japan. It is feasible that an ABWR plant could be built in the United States and be commercially operational by 2012

ABWR is a direct cycle BWR that reflects 50 years of continued evolution from GEH's initial BWR concept. It combines the best features of GEH's worldwide BWR fleet with advanced technology enhancements, such as digital controls, that improve performance and longevity. The ABWR design is already licensed in three countries: the United States, Japan and Taiwan
The ABWR was the first Generation III reactor to begin commercial operation anywhere in the world.
Primary benefits and features of the ABWR over previous BWR designs include:

  • Proven technology and performance
  • Certified design in the United States, Japan, & Taiwan
  • Improved safety and reliability

  • Enhanced operability and maintainability
  • Reduced capital and Operation and Maintenance Costs
  • Proven shorter construction time ... approximately 39 months from first concrete to first fuel load
from - http://www.gepower.com/

Friday, April 1, 2011

investment in Vietnam

investment in Vietnam
investment in Vietnam
Conference on Trade and Investment in Binh Duong Province, Vietnam

The U.S. Consulate General in Ho Chi Minh City and Binh Duong Province jointly sponsored a conference on September 22, 2009 to collectively better publicize opportunities for U.S. business in Binh Duong Province, Vietnam.  Binh Duong, which neighbors Ho Chi Minh City and is one of the fastest growing locations in Southeast Asia, is increasing efforts to attract U.S. and European business according to Chairman of Binh Duong’s People’s Committee, Mr. Nguyen Hoang Son


Chairman Son said at the Conference in his opening remarks that the province would continue to improve its business environment and infrastructure to attract more investment, especially in green and hi-tech projects from foreign investors.  The Chairman further noted that he and a large delegation from Binh Duong had just returned within the last few days from a business promotion trip to many countries in Europe.  He said that interest in Europe was high in Binh Duong as a site for new factories and for participation in the Binh Duong new city (for more information on the new city, click here ) and other major infrastructure projects. 

Chairman Son said at the trade and investment conference that the southern province would not license polluting projects and those outside industrial parks to ensure better control over environmental issues.  He noted that the province would focus on large projects that need well-trained employees rather than those that need a large number of unskilled workers.  The province had invested heavily in new modern industrial parks to attract new projects and currently hosted 28 industrial parks.  He further noted that the province had invested in a new University and aimed to have 60 per cent of its workforce trained by 2010.  It was also working with HCM City and neighboring provinces to develop and improve its transportation infrastructure system as well as seaports and international airports, he said.


Chairman Son was followed by the highest ranking official in the South of Vietnam, Kenneth J Fairfax, US Consul General in Ho Chi Minh City, who said Binh Duong has been successful in creating a new economic model for Viet Nam.  Mr. Fairfax said that he was a big fan of Binh Duong because of the demonstrated vision, energy and leadership shown by the province.
from - http://www.business-in-asia.com/vietnam/trade_investment_binh_duong.html

Tuesday, March 29, 2011

what is popular food in japan

what is popular food in japan
You can avoid ¥774 ($6) cups of coffee and ¥1,161 ($9) hamburgers if you know what to eat and how to get it. The Japanese diet consists of plenty of rice, fish, and noodles, all of which can be bought far more cheaply than expensive Western foods like burgers and pizza. Though it might take a while to adjust to the high-salt, low-fat content of most Japanese foods, eating a traditional Japanese diet will leave you with more change in your pocket and less cholesterol in your arteries. Try to keep your consumption of the more expensive Western-style foods at a minimum.


Popular Dishes
Curry rice. Rice with the Japanese version of Indian curry added. It can be ordered in varying degrees of spiciness.
Donburi. A bowl of rice with a hot entree, like stir-fried vegetables or deep-fried chicken, on top.
Kobe beef. A very expensive delicacy throughout Japan, Kobe beef comes from specially bred cattle, massaged and pampered throughout their lives to produce especially tender meat. The high fat content sometimes makes this meat unpalatable to Westerners.
Ramen. A popular and very inexpensive noodle soup. This is true Japanese "fast food." It seems that everywhere you look office workers can be seen slurping down a quick bowl of ramen. It can be ordered in different styles with vegetables and/or meat.

Tempura. Lightly batter-fried vegetables and shrimp served with a dipping sauce.
Teishoku (or setto). This is a set meal that usually includes an entree, soup, salad, and a drink. Teishokus are great because you get a lot of food for a very reasonable price.
Udon. Very similar to ramen, but with thicker noodles. Udon is inexpensive and can be purchased at most ramen stands.
Yakisoba. The literal translation is "fried noodles," but yakisoba can also include vegetables and meat. The ingredients are stir-fried in a wok and eaten like spaghetti.

The foods listed above can be found throughout Japan, and vary only slightly from region to region. You will find the best values on or near college campuses and train stations. Avoid restaurants in hotels because they inflate prices for naive tourists. Remember that there is no tipping in Japan.
Groceries


Buy in bulk! Discount stores do exist in Japan and offer bulk goods at reduced prices. There is a very low sales tax in Japan. Ask your employer for the store nearest you. For daily necessities, shop at a major supermarket, like you would in North America. Avoid food markets in major department stores (Daimaru, Mitsukoshi) - the food looks appealing, but the prices are outrageous. Instead, look for the local Japanese farmers' cooperative. They tend to have the best prices on produce. Also, don't overlook Japan's ubiquitous vending machines; they offer the cheapest coffee prices in town and also dispense everything from french fries and vegetables to bottled beer