Tumon Guam Getting The Best Investment Properties

Buying properties that involves owning a home and moving ahead of the property ladder is probably the most exciting means to ensure financial stability. There isn’t any other investment today that could offer both stability and excellent returns than that of property investment. Even though the stock market could provide high returns, it is an unstable place that could decline anytime, especially now that it is apparently underperforming. As such, many people are now turning toward property investment and considering it as the best investment vehicle that could brought about long term financial wealth.

Owning an investment property overseas has become popular than ever. As a matter of fact, many people today are cashing on in properties that would serve as getaway havens for their families, rental spaces that could help earn good returns, or an investment that they could acquire capital gains from in the future. There are many reasons why it pays to have a property investment abroad. First, you have the chance to experience reduced taxation by having your property rented and of course have a stable income out of it; second, you and your family could enjoy several weeks of vacation especially if you have several properties in different foreign locations; and of course, there are more chances for the price of your property to increase overtime, which you could take advantage of and have it up for higher resale value.

Now that you’re familiar with some of the benefits that you could gain from owning an investment property overseas, it is more likely that you would like to have your property investment started. There are many places that offer good property investment opportunities and one of the most promising today is in Guam. Guam is an island territory of the US that is located at the crossroads of Asia-Pacific countries like Korea, Japan, China, Hong Kong and Philippines. It is an island of regional economic hub because of its location, modern telecommunication and developed infrastructures.

During 2005, the governments of United States of America and Japan announced that the 8,000 marines serving in Okinawa would be relocated in Guam by 2010. Such event requires $10 billion of new construction and procurement of infrastructures that would support the expected growth of people in the island. As such, many investors from Asia, United States and other nearby countries realized the potentials of Guam in becoming one of the major destinations for investment property overseas. Accordingly, the island of Guam is now experiencing an increased rate of expansion in the field of property ownership.

Tumon of the Tamuning district is one of the best places where one could own a property in Guam since it is the island’s economic and tourist center. Tumon Guam presents several major advantages for investors, individuals and families who wish to have their properties in this location. As it is the major hub of the island, it is here where notable high rise hotels, souvenir shops, malls, and upscale boutiques can be found, making it a premier shopping destination for many foreigners as well as local citizens. It is also regarded as one of the areas in the island that has the best greenery and beaches that are all wildlife preserved.

In terms of financial services, Tumon has a full range of services that includes collections, letter credits, money transfers, automated tellers, money markets, and commercial and residential estate loans among others. Tumon also has a very competitive education, transportation and business outlook that could be credited to its US standard adherent infrastructures and information technology. Likewise, communities are well secured as seen from military presence and political stability. Apparently, Tumon Guam is indeed a good property investment location for both investors and homeowners.

Design And Develop Mobile Applications With Innovation Labs

The enterprise mobility market is expected to grow
dramatically due to the rapid adoption of new technologies that enable
businesses to connect with their workforce, customers and suppliers from
anywhere at any time. Let’s look at some of the enterprise mobility
market predictions.

� By 2016, there will be 1 billion Smartphone/tablet
consumers. Moreover, of the 1 billion, 20 million will be at the
enterprise level. As far as mobile applications market is concerned, it
will reach $55 billion. By 2015, mobile workers will account for 15% of
all the global workers across different verticals such as healthcare,
retail, manufacturing, transportation, chemicals, and petroleum.
(Forrester)

� By 2016, 50% of the enterprise email users will
depend largely on a browser, tablet, or mobile client instead of a
desktop client. This point to the fact that by 2015 mobile app
development projects aimed at Smartphones and tablets will exceed native
PC projects by a ratio of 4:1. (Gartner)

� By 2017, Global
Enterprise Mobility Market would exceed US$ 173.9 billion. “Growing
mobile worker population, emergence of sophisticated mobile devices such
as tablets and smartphones and introduction of several novel business
applications will drive the market for enterprise mobility over the next
few years.” (Global Industry Analysts (GIA))

� The IT spending
to reach US$ 1.8 trillion in 2012 with 20% being related to the mobility
segment. (International Data Corporation (IDC))

� Global location-based services platforms revenue to grow from $560 million in 2010 to $1.8 billion in 2015.(ABI Research)

� By 2016, there will be 3 million health remote monitoring users. (Juniper Research)

Hence, to capitalize on enterprise mobility, businesses and ISVs must build applications with the following characteristics:

� Intuitive and user-friendly

� Support heterogeneous mobile environments (i.e., devices, OS, carriers, etc.)

� Integrate with backend systems

� Easy to install and manage

� Meet stringent corporate security policies

Enterprises
can develop mobile applications by partnering with global leaders who
have their own Enterprise Mobility technology centers. These innovation
labs design, develop and support cutting-edge enterprise applications on
a wide range of mobile platforms such as iPhone, Android and BlackBerry
in verticals such as

� Healthcare

� Retail

� Finance

Their capabilities include:

Advisory Technology

� Overall Assessment

� Build Enterprise Mobility Roadmap

� Mobile Platform & Device Rollout Strategy

� High Level Architecture

� Backend Integration Strategy

� Middleware Selection

� Device Management

� Security Considerations

Architecture, Engineering & Integration

� Mobile Native Client & Mobile Web Development

� Backend Integration

� Middleware & Device Management

� Platform & Device Porting

� Testing

Professional Services & Support

� Deployment

� Customization

� Additional Platforms & Device Support

� 24×7 support

With enterprise mobility market showing an upward trend, enterprises must focus on mobile application development projects.

Foreign Direct Investment Trends In India

India is the third most attractive foreign direct investment destination in the world, behind China as number one and the United States as number two. In 2008, India was ranked number two but slipped to the number three spot given the economic downturn and the surge of investments by Chinese and Indian firms acquiring American companies.

According to Indias Department of Industrial Policy and Promotion, despite the global recession and liquidity crunch, the Indian economy recorded an 11 percent increase in FDI in 2008-09, with sectors like chemicals and telecommunication experiencing robust growth of 227 percent and 103 percent respectively.

India received approximately US$25 billion worth of FDI in 2007-2008; that number increased to US$27 billion in 2008-2009, highlighting Indias ability to remain resilient and attract investment despite the global slowdown. While no target has been fixed for the financial year 2009-10, so far FDI inflows for April and May 2009 have surpassed US$4.4 billion.

FDI policy and regulations
The Department of Industrial Policy and Promotion provides official information about Indias FDI policy and procedures. Overall, among the emerging economies, India has one of the most liberal and transparent policies on foreign investment. Foreign investment up to 100 percent is allowed under the automatic route in all activities and sectors except the following, which require prior approval of the government:

Sectors prohibited for FDI
Activities and items that require an industrial license
Proposals in which the foreign collaborator has an existing financial/technical collaboration in India in the same field
Proposals for acquisitions of shares in an existing Indian company in the financial service sector and where Securities and Exchange Board of India (substantial acquisition of shares and takeovers) regulations, 1997 is attracted
All proposals falling outside notified sectoral policy/CAPS under sectors in which FDI is not permitted

According to the International Trade and Development Division of the Indian government, the countrys foreign trade policies have been formulated with a view to invite and encourage FDI. The Reserve Bank of India (RBI) manages the administrative and compliance aspects of FDI. Foreign investment can be divided into two broad categories: investment under the automatic route and investment through prior approval of government.

Virtual Tour Can Increase Sales Of Business

People in Kelowna, Vernon and Penticton can enjoy virtual shopping experience from home. There are certain sites that showcase virtual tour on hotels, restaurants, wineries and sports venues to its US and Canadian clients. Through this tour, customers will know more about the product with the help of a click. Nowadays, most of the people are so busy in their work that they do not have time to visit a shop for shopping. Most of the people want to know in advance, whether their product is sold in a particular shop. They dont want to waste time searching their product from shop to shop. So if a shop owner showcases their product through virtual tour, people will know whether their required product is available in that shop and order it online or just go that particular shop and buy that product.

Virtual tour can increase sales of clients business. For example, before visiting a restaurant many people would want to know more about the place, type of food served and its ambience in advance. After a deal is made, business people generally throw a party to their clients. Business people get confused as to where should they give a party as they do not know much about the restaurant and its ambience. One best thing that they can do is to take a virtual tour of the restaurant. Through this they will know more about the place within a short period of time.

Nowadays you can find there are various websites that offer virtual tour on real estate. Buyers find it difficult to have a look at each house. It is very tiring and waste of time. With the help of this tour, buyers will be able to analyze the house properly and find out whether it is their dream house or not. In virtual tour, you will know exactly as to how the house looks like. How the balcony, bedrooms, bathroom or kitchen does look like.

Nowadays, even retail stores are providing online virtual shopping experience to their customers with the help of 3-D graphic images of products and services. Virtual shopping can be enjoyed for broad range of goods and services such as fashion accessories, travel kits, home decoration items etc. Some major benefits of virtual tour are they are comfortable, convenient and customers can view their goods and services from one place without moving from one store to another. Customers can take their own time for shopping without waiting in mall lines. In addition, you dont have to look for parking space while shopping online.

Virtual shopping ensures product quality, excellent pricing, online credit or debit card payment, quick delivery, time saving and easy retail shopping experience.

Important Tactics For Reaching Your Sales Goals With Innovative Sales And Factoring Strategies

Many businesses under $10 million are focused on the traditional sales channels like major retailers. For many. this is the Mother load, but when there are more competitors all the time and major retailers with flat to negative growth after factoring for inflation, there must be other tactics employed while also making sure you have financing strategies in place to handle growth when you find (i.e. factoring invoices, a/r financing, ABL, credit insurance and more).

It might be tough to grow sales but NOT IMPOSSIBLE!
Like any goal, there must first be a plan. In this case, there must be a business plan with action steps and obtainable goals. So, what tools can be used today to assist in driving sales that most others in the small to medium market are not using. My business school marketing professor always told me to pick a niche and own itmy add on to this, is to at least be very good at niche so your company stands out.

When selling products, the following are tools you must consider:
1. A sales strategy that takes the road less traveledgoing where your competitors are not comfortable will be a major asset. Consider selling to distributors that are solid in foreign countriestake small steps in this direction to open new markets. Selling directly to Carrefour or BenQ is not likely and unwise. If you have experience selling to the US retailers, then selling as a foreign company to a large foreign retailer requires stepping your game up to a whole new level which most small to substantial medium sized businesses are not ready for.

2. Factoring invoices can provide cash quickly to a business that needs to turn around and buy inventory or make payroll, and cannot wait for a traditional banks decision making process that takes months.

3. Make products unique and try to stay away from seasonality if possible so if a sales cycle is missed then the product(s) can be sold at later dates and to others in different regions as well

4. Promote your product were your competition is not heavy this can take the form of non-traditional retail channels, trade magazines that only distributors read, corporate sales, , etc. Picking a Google Ad word is great but if all your competition is fighting for the same word, there will be little response because there will be too much noise for real prospects to see your ad. Select sites that are important to your business but off the typical path that your competitors are following.

5. Make sure you have at least 6 months of working capital in case there is a dry spell in sales finding banks and alternative lenders that specialize in providing working capital for your business model is mission critical. Often, smaller businesses dont qualify for traditional business loans. Additionally, SBA loans are not practical because they offer amounts that are too small for real growth and they usually require pledging everything you own so no other financing can be done.

6. Factoring programs that incorporate a trade finance platform are also valuable as many of the current US businesses are purchasing abroad and having a lender that can issue Letters of Credit (LCs) directly will save you money and brain matter in trying to coordinate the logistics, docs, and terms that protect you correctly when issuing an LC.

7. Supply chain financing is often a term tossed around as a catch phrase, but understanding that a lender that has this type of expertise and program will be an added value in making sure your company produces the right goods at the right time so that appropriate Quality Control (QC) measures are in place, the assets or people on the ground are appropriate for monitoring your efforts, logistics are being monitored, a continual process and system for reviewing the foreign factorys credit to perform accordingly, and many other important features for importing from or selling to foreign firms are in place. PMF Bancorps Supply Chain Financing Plus Program is an example of lender program that incorporates these kind of services.

8. Lastly, remember to get the money when you dont need it because when you do, it wont be around.