he island of Cozumel is one of the prime cruise destinations in the Caribbean and Mexico, welcoming a significant share of Caribbean cruise tourists to enjoy its traditional Mexican town center and beautiful natural surroundings. Many of these cruise passengers later become interested in buying Cozumel Real Estate, first searching Cozumel MLS listings on the internet, then contacting an agent, exploring their real estate options, and finally return to the island to finalize their Mexico Real Estate purchase. For this reason many of the same aspects that attract cruises to the island later attract foreigners to buy MLS properties on Cozumel.
In 2010, cruise visits to the island have been off to a strong start. During the week of January 4 to 10, Cozumel welcomed 21 cruises, only a couple less than the 23 which arrived the week before, between December 28 and January 3 2010. The following is a breakdown of cruise visits by day.
On Janaury 4, Carnival Liberty arrived in Cozumel, and on the January 5, the cruises Fantasy and Carnival Inspiration arrived, as well as Voyager of the Seas. The sixth of January Cozumel welcomed the Crown Princess, Carnival Legend, and Carnival Imagination. On the seventh Grandeur of the Seas, Independence of the Seas, Ecstasy and Carnival Triumph arrived. On the eighth the cruise ships Carnival Valor, Norwegian Spirit, Costa Fortuna, Carnival Conquest, Liberty of the Seas docked on the island, and on Saturday, January 9, Navigator of the Seas, Carnival Inspiration, Fantasy, Columbus and Carnival Destiny were welcomed to the island.
As this list shows us, Cozumel attracts the most prestigious cruises in the area, in addition to attracting large numbers of both ships and visitors. This leads to the question – why do cruise visitors become interested in buying real estate here and making this island their new home? It’s virtually the same reasons that attract the cruises in the first place. Visitors arriving are welcomed by the more traditionally Mexican town center, with its town square decorated by trees, gardens, benches and walkways. Surrounding the town square are many little shops, selling local hand crafts, as well as excellent restaurants and museums. For those that choose to buy real estate on the island, this quaint atmosphere is embellished with many options of activities, such as snorkeling, diving, boating or fishing. Many of the MLS properties on the island are also in close proximity to Cozumel’s beautiful natural settings.
That’s a question we are all asking today. Why? Because of the many stock market investors who speculated in real estate, the problems surrounding sub-prime loans with the resulting foreclosures and bank failures, and falling home prices.
If the late Dr. David Schumacher, my mentor for the past 10 years and author of the now-famous book, The Buy and Hold Strategies of Real Estate, were still around, I know what he would say because he said it during the last downturn in 1990-1995. He would tell us not to worry. This is only temporary and part of the normal cycle of real estate.
It creates bargains that can benefit you. This cycle has been happening since Montgomery Ward began offering homes for $1,500 through its catalogs. As sure as the sun rises and the seasons come and go, real estate will make those who own it rich over a period of time. He would add that now is the best time to get great deals in real estate.
The Real Estate Cycle
Real estate is still the best investment possible. It always has and always will do well in the long run.
This is the fourth real estate cycle I have been through and none of the downturns were fun. However, if you have patience and look at the long term, your real estate will go up in value more than any other investment. Do not treat real estate as you might treat the stock market, worrying about the ups and down.
Since 1929, real estate has gone up an average of five percent a year; if you stay away from the obvious non-appreciating areas like Detroit, it is more like seven percent a year. At that rate, properties will double in value over 10 years with compounding. Add a federal tax benefit of 28 percent plus state tax deductions, the depreciation write-off for rental property, and the eventual pay-down of the loan and you have a strategy rich people have always used to accumulate wealth.
Over the past 30 years I have watched many flippers who buy, fix up, and sell. I do not know many who have much net worth or are wealthy because of flipping. It is simply a very risky way to make money.
Those who have prospered are the ones who are in it for the long haul and patiently watch their properties increase in value over time. This past downturn was created by speculators who all flipped at the same time, putting too many properties on the market for sale and rental. I guarantee that over the long haul, you will always regret selling any property you have every owned.
Buy and Hold
Since time passes by anyway, the buy-and-hold strategy is a great way to become rich. Dr. Schumacher experienced at least five real estate cycles and did extremely well, acquiring an eventual net worth of over $50 million.
You just can’t go wrong in purchasing an inexpensive condo, townhouse, or single-family home in a good location where there are jobs. Make sure you have a fixed-rate loan, make sure it cash flows, hold on to it for 10 to 20 years, and you have a property that has doubled or even quadrupled in value. When you need to retire, simply do a cash-out refinance to live on or to supplement your retirement pension.
For example, the first property I purchased for $75,000, a townhome in Lake Arrowhead, CA, is now worth $650,000. My first oceanfront condo, which I purchased in Long Beach, CA, in 1982 for $112,000 and used as my residence, is now worth $500,000. One-bedroom condos I purchased in Maui, HI, in the late 1990s for $80,000 are now worth $400,000. Homes I bought around the same time in Phoenix, AZ, for $75,000 are now worth twice that. I could go on and on and on.
What are your Options?
What are your options to building wealth today? The options are to buy real estate and build wealth or to not purchase property at all, to struggle a lot and have nothing to show for it.
- You could do nothing. The 25 percent who do not own a home end up with no assets when they retire. They have a car loan and owe an average of $9,000 on their credit cards. Those who do not purchase rental property may be forced to work past age 65 to supplement their meager retirement income.
- You can try to depend upon your retirement. The above chart shows that you should not depend on your retirement income alone to support you, because it won’t. Those on Social Security or most retirement programs end up living below the poverty line and are forced to work until they drop, so that is not a solution. Other investment options are not doing so well, either.
- Invest in the stock market. We are definitely in a slowdown (I refuse to believe we will have a recession), so the stock market is not going to do well for several more years.
- Invest in gold and silver. They have already made their run; it is doubtful they will do much better. Gold and silver are used as a hedge against inflation and a weak dollar. It looks like oil prices are headed down and the dollar is strengthening.
- Invest in real estate. Those who invest in real estate almost always do well. The following graph shows how the top one percent in income have acquired their wealth. As you can see, the vast majority have invested in real estate.
Don’t Think Short-Term
Real estate is not designed to be considered short-term. Right now, real estate is going down in value in many cities, but it is going up in many others. It is a terrible time to sell and pull out any equity. Only about five percent of the properties are for sale. Most homeowners and investors are simply holding on to their real estate and are waiting for the next upward appreciation cycle.
It has been found that tested theories and frameworks still form the foundation when developing a strategy for your business. To develop the right strategy for your business you need to do the following things:
Identify a product or service to sell
This is the first step in developing your business strategy. You need to remember that there are thousands of products and services that you can sell; however, for you to compete effectively with other businesses, you should ensure that your product is unique and better than other products in the market.
You need to think for you to come up with a good choice. To be successful in your efforts, you should go for products that you like and you enjoy selling. It’s recommended that you choose a product that you are able to visualize yourself selling it.
Experts recommend that you should be able to see yourself selling the product or service for the next five or 10 years.
For you to settle on the product or service, you should ensure that there is real demand for the product or service at the price that you are interested in charging.
You should also ensure that the demand is high enough for you to make a profit. The demand should be concentrated such that you are able to advertise, sell, and deliver the product at a reasonable expense.
Identify your customers
There is no way your business will be successful if it does not have customers; therefore, you should ensure that you identify the customers who will buy your product or service.
The right customers should have the ability of buying the product at the price that you will be selling at. This means that you should be able to tell whether you will be targeting the poor, middle class, or the rich.
You also need to ensure that the product is valuable to the customer. Here you need to put yourself in the customer’s shoes and see whether the product will be of value to you.
Identify how the product will be sold
Once you have identified the right product and the right customers, you should determine how you will sell the product.
You can decide to sell the product by yourself or you can hire other people to do it for you. You also need to determine how you will promote your product or service. Here you can promote using word of mouth, or other ways such as TV, radio, or social media.
Myrtle Beach real estate is much easier to navigate though the buying and selling process with the guidance from a professional Realtor at HomeGuideMyrtleBeach.com your trusted real estate agents.
Posture is very important because it allows our spine to be aligned properly. When there is a problem with our posture a lot of things can happen. Poor posture may cause misalignment of the spinal cord which in turn can lead to several problems like osteoporosis, headache, stiff neck, back pains, and it can even lower down confidence. This is why it is important to carefully practice good posture and use tools that will allow you to have continuous good posture. For instance, choice of seat is important to ensure you maintain good posture practice.
If you work in an office, you’ll most probably be seated the whole day except for the occasional bathroom break or during your lunch break. If this is the case, you need to ensure you have a good seat so you are seated comfortably all throughout the day. An orthopaedic office chair will definitely help your back during the long hours in the office as it is specially designed to meet your postural needs. This chair has the right measurement to ensure you are not just maintaining the right posture but you are comfortable at work as well.
Good orthopaedic office chairs are usually 16 to 21 inches from the floor. Making sure of this height is essential because this allows your feet to be planted firmly flat on the floor. There should be 2 to 4 inches space between your knees and the back of your chair when you sit down. This allows free movement and comfort. It is essential to always be comfortable while sitting down the whole day so you will not experience any body pains and you can complete your tasks without discomfort.
The most important thing to ensure when choosing and orthopaedic chair is its lumbar support quality. This will allow not only comfort but ensure you lumbar area will not be stressed since it will be supporting your upper body weight the whole day while you are seated. Adding support and comfort to lumbar area will prevent any postural problems and discomfort. Strain on your spinal cord may also cause slipped disk or dislocation which can be very painful and will cause greater problems when it impedes veins in the spinal column. It helps if there is good cushion on the chair for maximum comfort. Foams too soft are not ideal. Having a firm padding made up of breathable cloth can be comfortable at the same time while ensuring good postural alignment.
Industrial premises are very important because it has various uses. It can be used for storage, manufacturing and for the workplace. It is important that when buying a commercial property to use it for business, it is thoroughly checked. A background check prevents problems in safety and damages. Buying an industrial property may have underlying risks which are often undetected until you’ve purchased the property. Do a thorough check before going through with any sale.
When buying a property the first thing to check is the safety of the environment. Regardless if it is used for storage, manufacturing or office, it must have a building permit. Having a permit means it has passed the standards of safety especially on seismic requirements. These structures are usually large therefore it is heavy. It needs a lot of safety measures installed so that in case of emergency, the safety of employees as well as manufactured products is maintained.
From checking the safety of the place, the accessibility is also very important. When using the place for manufacturing, there should be enough space inside for tractors to move about in transporting materials. This is one way of making operations smooth and ensuring fast delivery time. Having a good road for travel is also important especially if the place is to be used for an office, outlet or manufacturing.
Checking for damages and things to repair is a must. This must clearly be reported by the agent or space owner before the contract of sale is signed. Buyers need to know such to ensure repairs are made before the place is used. Any damages can be unsafe for people working inside and it may potentially disrupt operation.
The space of the place must be enough depending on how it will be used. For instance, if it is a storage place it means there will be transportation of items done. The place therefore should give space for delivery trucks. If the place is to be used for an, office it should allow free movement of employees inside. Otherwise this can be very uncomfortable for people inside and problems and complaints may arise later on.
Be sure to also check that facilities such as lighting and water supply are complete. These are very basic amenities needed in a commercial space. Otherwise if there are problems in access to water and electricity no businessman would ever buy such property.
Sudden growth is rarely a smooth ride, especially for a boot-strapped venture. Well past their fifth year in business, one small custom manufacturer serendipitous developed a product that met a real need in a niche market populated by industry giants. The vendor’s new customers were used to buying from large, well-managed firms. As a custom manufacturer, this company had the freedom to focus on one customer per product. It wasn’t yet clear to them that they had entered into a phase of development where the signs of professional management would be taken for granted by customers. In this case study, a frustrated customer advises the vendor to learn how to manage their resources to simultaneously (and seamlessly) complete commitments made to past customers and start projects for new customers.
This is one in a series of case studies highlighting “Key Questions and Course-correcting Quotes” taken from 20 years of B2B customer insight projects. All names are fictitious, but the situations are real. Case studies paint a picture of how important it is to learn what your B2B customers think–but aren’t saying. These are real-world examples of how soliciting and acting on customer feedback has helped companies hold onto customers longer, grow relationships bigger and pick up new business faster.
Case study: Your Bootstraps Are Showing
Key Question (asked of a VP–the vendor’s chief contact in a 6-figure relationship):
VP: “This vendor’s president was badly criticized by customers who attended last year’s trade show. He changed how his company prioritizes customer issues. Do they now seem to be on the right track, or are they overlooking a blind spot that’s obvious to you?”
“Their president has to get his organizational structure in place and build a senior management team. He has a bandwidth problem. On the one hand, he hasn’t delivered on all his outstanding obligations to his existing customers. On the other, he needs to make enough sales to keep his company afloat. They need to learn not to make contractual commitments for products that take resources away from their existing obligations. Reality for a small company like that is, you have to make the big sale. It takes a lot of discipline to not over-commit. They need to get a better handle on their existing staff’s capacity.”
My Client’s Quandary:
This $7 million vendor had a product that Fortune 50 companies were interested in, but the company was having growing pains. Their founder knew how to design and develop new products, but he didn’t have a lot of management training or experience. His senior managers were two of his buddies with the same technical background and lack of management experience. His company was at risk of being marginalized by a stronger competitor as soon as someone else developed a decent competing product.
More immediately, the president would be facing his customers at an upcoming trade show. He had been badly pilloried a year earlier. Before risking that again, he wanted a customer relationship consultant to conduct deep-dive interviews with his customers and expose the themes and patterns that would clarify which decisions he needed to make.
Several of his customers gave similar feedback. My recommendation: Acquire experienced outside talent to manage operational and customer-facing functions. He hired the experienced talent he needed, held onto his customers, attracted funding, grew the company to serve additional niche markets, and eventually found a strategic buyer. Honest feedback from his customers helped him find his way and achieve his vision.
I categorize projects as assessments, investigations, treasure hunts or rescue missions. This project was an investigation. The client’s question was “Why are our customers still angry with us?”
Every woman desires for love and beauty. If possible, most of the women want to try different new looks so that they can be different all the time. How to achieve that easily? The answer is to purchase hair extensions. Most high quality hair extensions are quite expensive, so choosing an affordable extension is important to someone who wants to be fashionable but does not have enough money.
If you want to get your desired look, and also want to protect your hair, you can go with human hair extensions. These extensions can help your hair grow out and keep it shiny and smooth. Since human hair is not cheap, so it is important for you to take care of the extensions made of human hair. Unlike your natural hair, the extensions can not get nutrition and natural supply of moisturizer, so they will look dull and dirty if not being well-maintained. Girls all know that if they take care of the extensions, they can get their desired styles all the time.
How can you give adequate moisture to your brittle, dry and frizzy hair through an easy way? Here are some tips:
1. Do not pull off them when they are tangled. If the hair is really tangled, you can put leave-in conditioner on it and slowly entangle those locks with fingers or by using a wide tooth brush.
2. Apply alcohol free shampoo. Use a good quality, gentle shampoo that is suited for your hair type to protect the hair from getting dry, avoid the harsh styling products. When removing the dirt and build-up from the extensions, do use high quality shampoo.
3. Apply good quality conditioner after shampooing your hair. Make sure to apply a large amount of conditioner to the hair after washing it with the gentle shampoo. The conditioner can make the hair look soft and shiny.
Do apply conditioner about twice a week to keep the hair in good condition.
What benefits can you get from wearing hair extensions?
1. You can get thick and long hair instantly with using hair extensions. If you have thin, fine or limp hair, you can use extensions to add volume as well as length to your hair.
2. If you require a confidence-boosting look for a special occasion, then you can just weave the extensions into spectacular braids and enjoy yourself.
3. You can add highlights or desired colors very easily to the extensions ranging from mild to hot to get an extraordinary look.
To make the most of your extensions, you can get some advice from a local specialist. Make sure you ask how they will minimize the damage to your own hair when the extensions are removed.
The company that is engaged in the manufacture of precision turned parts produce the parts with diameters in the range 2mm – 35mm. The parts are made out of different materials such as stainless steel, mild steel, aluminium, brass, bronze and plastic. These companies ensure the best quality products and they offer to supply custom parts against orders placed by the customers. They follow strict procedural norms at all stages of the production to inspect the quality of the product. They manufacture automotive components, components for house appliances, fittings, connectors, etc. They make use of the latest technology to ensure the supply of high quality products on time at reasonable prices. They would have employed highly qualified and experienced engineers and skilled craftsmen who are committed to cater to the needs of each and every customer. The production team has the expertise to develop the final product right from the basic concept. In order to make quality products in the most cost-effective way, the company works with their customers also.
The customer service team of the company that manufactures precision turned parts coordinates with every individual customer to know their requirements and assures to meet their requirements in the most cost-effective ways. The management of the company is committed to provide 100% safety and the best working conditions to all the employees. They provide the most advanced manufacturing facilities. They follow a healthy procedure for the manufacture which is smoke-free as well as non-hazardous. Some of them are committed to implement and adhere to ‘Green’ practices. Materials like oil, metal parts and minerals are recycled. The company entrusts various other processes related to their production such as plating, grinding and heat treatment with sub-contractors who assure quality and the best customer service. They have a very efficient system to monitor the shipping of finished goods and also they closely monitor the inventory levels.
The aluminium components manufactured by the company are used for numerous applications owing to its strength, light weight and elasticity. The aluminium components are also known for their conductivity and resistance to corrosion. The components made from various grades of brass and copper are used in various applications including plumbing and sub sea operations. The stainless steel parts are used by various industries like Oil and Gas, Petrochemicals, medical and surgical instruments and brewing. The plastic components manufactured by these companies are used for many industrial applications. The various types of industries that are served by these companies include Oil, Chemicals, Energy, Locomotives, Automotive, Electronics, environmental engineering, Marine, Food and Beverage, Defense, Medical devices, Scientific research equipment, pumps, valves and many others.
Meetings are a crucial part of any business to make sure that all business operations are running smoothly. The decision-making process matters most when it comes to discussing issues that surrounds your venture. It is true that groups are oftentimes being dominated by an individual in order to agree on a certain course of action. By using a structured process of discussing issues, meetings can become more efficient and the group’s performance can be enhanced.
Some Basic Processes That A Chairperson Or Members Can Facilitate
Brainstorming – This process will generate a lot of spontaneous and diverse ideas within a short time frame. Some of the rules that you must adhere to when using this process will include no criticism on any point, everyone must participate, and the ideas must be recorded until they are exhausted. All the ideas are recorded on a board so that everyone can see it. After the brainstorming, the list will be screened and points would be clarified. All the members will then choose their 5 priority items and decide on a course of action.
Prioritizing Technique – Every participant will think of ideas or perhaps solutions that are written on a chart or board. It is from these ideas that the group will develop different options or solutions. In order to arrive at the option which the majority supports, participants may be asked to rank the options by using a scale of 1-5, where 5 points represents their 1st choice, 4 the 2nd, and so on. The desired option is the one which accumulates the highest total score. Apart from giving points or ranking the options, another way of determining which option does the majority supports is by giving every individual 5 sticky dots and have them place the dots beside the option they want. They can actually select 5 individual options or perhaps place multiple dots on the option they really prefer. The course of action will be determined by the option having the greatest number of dots.
SWOT Analysis – This process will determine the Strengths, Weakness, Opportunities, and Threats of a certain situation. This analysis will greatly help the group in determining the right direction.
Force Field Analysis – This process is a great way of graphically showing the forces which drive for changes or perhaps forces that restrain changes in relation to a certain situation.
These are the different decision-making processes that businesses use in order to come up with the best option when dealing with a certain issue. Apart from knowing these processes, another important thing to consider in order to ensure a successful meeting is to set-up a work-efficient meeting or virtual room.
Health is a complex concept. And you do want to understand how to best address it, correct?
I have previously written that health and wellness are two clearly different concepts. As a result, I see the work-site wellness programs of today as not really being wellness programs at all, but really being employee health status management programs. If you accept this premise, this means that as a work site wellness professional you should have a clear understanding about the nature of health. Do you think you do?
Health, like wellness, can have many different definitions. Again, like wellness, there appears to be agreement around the idea that health is a complex concept which has several different determinants. The determinants of health can be classified into several broad categories: policy making, social factors, health services, individual behavior and biology and genetics. Health is often referred to as being a complex bio psycho-social concept.
Breaking the term bio psycho-social down into its component parts suggests the term consists of three major components: biological, psychological and social. So how do these component parts each contribute to an individual’s health?
Biological – The biological and genetic or physical (physiological) determinants of health, as well as individual behaviors, are generally the focus of most work site wellness programs today. Programming often takes the form of health risk identification and measurement (commonly called risk reduction) and disease or condition management strategies. These speak to the biology and genetics of health.
Two common measurement tools used in work site wellness programs today are health risk assessments and bio-metric screenings which are designed to measure and categorize health risks and basic biological body measures respectively. The basic biological measures serve as markers for an individual’s health status. Ideally, these measures should be within what has been determined to be a normal clinical range.
Psychological – It is now generally accepted that our brain and our body in separable. There is an undeniable connection between the mind and the body. While the exact mechanism may not yet be clearly understood, there is agreement cognition, thoughts, attitude and feelings influence our health. Our thoughts and feelings do have a physical impact on our body. They influence our nervous system, our immune system, our hormone system and subsequently our health.
Disease states are strongly influenced both in onset and duration by the way we think and behave. Our emotional responses result in hormone releases which in turn affect our health. It is clear that how a person feels, or their psychological states including a sense of energy, vigor, durability, hardiness, resilience, optimism, high life satisfaction and positive emotions all reflect the psychological connection to physical health, thereby representing the psychological component in bio psycho-social.
Social – The person – environment fit is reflective of the social component in bio psycho-social. The social determinants of health typically refer to the social environment and the physical environment, which are not controllable by the individual, but affect the individual’s environment and health.
Social determinants are complex, integrated, and overlapping social structures and economic systems linked to a lack of opportunity and to a lack of resources to protect, improve, and maintain health. Environmental factors, such as housing conditions, living conditions, social networks, and social support are also key drivers.
Examples of social determinants include:
• Availability of resources to meet daily needs, such as educational and job opportunities, living wages, or healthy food
• Social norms and attitudes
• Exposure to crime, violence, and social disorder
• Socioeconomic conditions, such as poverty
• Social support and social interactions
Social support, social interactions and friendships have been determined by researchers to provide many benefits. They influence many major aspects of our life. They also provide many beneficial life enhancing roles. Social support is critical. In fact, a lack of friends can be deadly.
We lean on social support, social interactions and friendships for:
• Intellectual stimulation
• Emotional support
• Fun activities
• Support for making behavior changes
The skills necessary for making good social support, interactions and friendship are also the skills necessary for success in life. Social support, social interactions and friendships are also great wellness tools for the work-site wellness professional to tap into.
How is your work-site wellness program addressing each component of the bio psycho-social nature of health?