Durable Home Furniture

The way to keep furniture going for ages

There are some homes that are able to keep their wooden furniture for ages. This is a very traditional material for making furniture and there are reasons why the manufacturers tend to prefer it. The first reason the look. It is a versatile item that will fit in with the many schemes that the people have in their homes. Unlike some of the materials that require a certain style in order to succeed, you do not get such dramas with the wooden furniture that you buy from shops. That is why it is very popular with all income groups from the very rich to the less well off. Anyone can use it to decorate their home.

There are not many people that are allergic to wooden furniture. In an age where allergies have become rampant it is always good to have something that does not cause irritation to the guests or any other sort of health scare. Some materials that are used for furniture are just so difficult to nail down that you wonder whether it is worth it to get them. They also elicit allergic reactions in members of the family and are therefore a health risk. The wooden furniture that we have on the market today is largely harmless in this aspect and it would be very foolish indeed to replace the material with something else. At the moment the market will stick with this type of furniture.

It is also easy to adjust wooden furniture. For example one might want to repair a table or bed. If that item was made of glass then you would not be able to put a nail through it. People can recycle their items when they are made from this material. You can even enforce the different joints that are in the furniture. With the other materials you are stuck with what you have got and there is nothing else you can do about it. You have to really work hard to ensure that the furniture that you have does not cause you to spend money maintaining it. The wooden furniture is very different from such high maintenance items. It is an easy to use material.

From an environmental perspective there has been some criticism of the wooden furniture because it is made from materials that come from the rain forest. The argument is that the forests are being depleted just to indulge the whims of the spoil consumers that hold sway today. This is a very important matter that cannot be ignored by the manufacturers. At the same time some of the other materials that we might have considered to be alternatives are just so expensive that it is no longer feasible to have them within the mix. The best thing is to stick with wooden furniture until something more suitable comes into the fore. That way we can manage the elements with courage and commitment. It is one of the great results that we are looking for.

Having A Successful Site in SEO-Centered Times

It’s undeniable how far technological assistance in business success has come. More and more search engine optimization companies are working with smaller businesses and helping them gain ground when it comes to competing with larger enterprises.

A reported 82% of marketers find SEO effective according to a 2016 Market Dive research, reflecting the business world’s rising trust in it as a marketing method. With this, it’s important that these companies employing or who are interested in employing SEO services understand some the concepts effective in SEO and marketing in general today.

This isn’t only for the company to be able to work more smoothly with the company, but to help the company make sure that the company doesn’t end up unnecessarily spending too much.

Go Back To Basics

While numerous advances are made in SEO day by day, it’s still vital to place importance on the basic things.

The frame of any plan for success should include optimization of the title tags, meta description, URL, and page headers. These aspects are considered basic for the very reason that a good plan wouldn’t be able to stand without them.

It’s also important to ensure a website’s loading speed on both its desktop and mobile versions, because if the site isn’t opened and checked out anyway, then everything will be for naught.

Content

It’s been stressed time and again that getting customers to visit your site isn’t enough. It’s important that it contains content compelling and interesting enough to get them to stay, or better yet, keep coming back.

With endless streams of websites out there, several offering similar products/services and containing more or less similar copy, a company should take extra effort in making sure their brand stands out.

It’s important that a company’s copy team and development experts work together in creating content that not only addresses the target readers but addresses weak points as well.

Social Media

The rise in social media has expanded the possibility of brand exposure. It’s important that SEO teams see social media as competition but as an effective ally.

With the right social media strategies, like tapping popular users and going for “viral-worthy” tactics, for example, a significant amount of traffic can be gained.

Popular blogs are also a good idea, with a lot of these bloggers being trusted figures and most likely have large followings.

An important thing to gain from here is that as important as it is to get a good search engine optimization company, it’s also important that businesses acknowledge the importance of other areas and work on them as well in coordination with their SEO teams.

It’s clear how successful optimization for any site isn’t all about just getting your ad out there; SEO is just one of the factors that contribute to success. Providing good content and strategically partnering with popular platforms are just as vital in encouraging customers to visit your site.

Fortunately, most digital marketing agencies offer along with SEO services marketing assistance and content creation, making the path to a successful website a lot easier to travel on.

Posted in |

Beauty Cosmetics For Men and Women

Cosmetics and make up items has been utilizing from many centuries by men and women all around the world. Among all, Egyptians are the more well-known people today to wear these beauty and cosmetics items. The Persian citizens also made wonderful offerings towards history of makeup. The significance of cosmetics has increased as lots of people would like to stay young and attractive. Cosmetics in the industry are readily available in distinct form like lotions, lipsticks, fragrances etc. Cosmetics like skin care creams and hair gels are used on a everyday basis by both ladies and males. Cosmetic creams serve as a pores and skin food for hard, dry and chapped skin color. Cosmetics assist to enhance our appearance and make us feel far more confident.

Cosmetics are something applied to your face or human body as a way to enhance your appearance. Makeup consists of anything from cold cream to lipstick. Makeup is often a branch of cosmetics which has to do with beautifying in the face. Throughout the early many years on the 20th century, makeup became fashionable while in the United States and Europe. Cosmetics and makeup in ancient times stood for symbolism in the class of your family. Throughout the years, men and women have put to use makeup for different factors. Cosmetics are any product that you simply put on your face or physique with the purpose of creating your appearance better, and perhaps creating your skin tone healthier.

Usually most of us use makeup as a way to think far well about ourselves. Women and men, both use makeup. Girls use far more of color makeup that guys. Anytime you invest in a cosmetic, read the label of ingredients carefully. If you ever know about any of them that may lead to dermatitis in you, do not use that merchandise. Some form of ingredients might cause skin problems that may possibly take a long time to disappear after treatment. Save yourself from skin tone inflammations and colored patches and blisters. Other use of make up which has just recently surfaced is as sun protection. This is a fantastic development mainly because before sun protection and make up were pretty difficult to blend together.

Advertisers have spent millions of dollars recently to industry the planet of hygiene and skin tone care to adult males. More and much more gentlemen are finding the joy in these items and the benefit from caring for the pores and skin and system with some additional pampering and attention. It is obvious that more marketing dollars are now being spent for the male gender. A trip to any grocery or department store will reveal entire lines of shampoos and hair color kits. When men come to feel that something has been produced just for them they’re additional likely to buy it, specifically the unmarried males that do not currently live with a woman. With so several items thrown at you day-to-day, it is usually challenging to understand where to begin. When a person shops on the internet, you have no chance to try for the color so it is usually a fine notion to know the points that you simply are trying to find. You will find on the net shops close to the globe that provide totally free shipping. It is a very good idea if you can find the correct item using a wonderful price.

5 Ways to Travel Solo Without Going It Alone

Solo travel has become a hot topic. Unlike “single(s)” travel, it is a broader group. It can include those who are single, married or have a partner/significant other. It may be a business person looking to add a leisure weekend or extension to a trip for work. Two stumbling blocks to solo travel can be: I. whether it is lonely to vacation as a “party of one” and ii.whether eating alone, especially dinner, is really uncomfortable.

Now having visited 68 countries and all 50 states, I have found 5 good ways to go alone without feeling you are “going it alone”.

1. River Cruise and Small Ship Cruises

I highly recommend river cruises and small ships. They are especially a good fit for a first time solo traveler. However, they are also great for well-traveled solos in two cases. That is where destinations like Cambodian boat villages are not otherwise easy to reach. Secondly, they work well in places where security is an issue.

Here are the key advantages of such river and small ships for solo travelers, they:

  • Give you time alone but a group for tours and meals
  • Can be competitively priced when compared to a piecemeal approach
  • Make unpacking a one-time chore
  • Work well with land packages
  • Often have discounted package pricing including flights

2. Select your own lodging, and take day trips.

Here are the key advantages of this independent approach:

  • Affords you the opportunity to select your own interests and travel style.
  • Provides more opportunity to interact with local residents.
  • Gives you a “day-off” when you need it.
  • Works with a range of budgets.

3. Combine both of the above approaches.

I really favor this approach when I travel. On solo travel for 17 days at New Year’s, I toured Southeast Asia. I started with a private taxi tour in Siem Reap, Cambodia. I then joined a top Mekong River Cruise on to Vietnam. On the last leg, I had five days in a 5-star hotel in Bangkok. In my last stop, I tried all 3 ways of sightseeing: 1. A large bus tour 2. A private guide and 3. Self-directed subway tour.

This blended approach puts you in the driver’s seat and:

  • Will let you set your own course while being free to pick and choose
  • Gives you a part-time group of travel mates but also time alone
  • Makes it possible to follow a budget (or splurges) tailored to what works for you

4. Sign up ahead for a class abroad.

This has become very popular now for cooking classes in France and Italy. However, for decades, language classes abroad have lured students for short-term or full summer programs. Add to that options for photography classes, skiing and scuba diving.

Here are the key benefits to this approach:

  • Provides you with a ready-made group
  • Gives you a local contact to hear what not to miss off the tourist path
  • Make it possible to connect with classmates for meals or sightseeing
  • Results in providing local contacts in an emergency

5. Join a volunteer group or exchange program.

I have done this twice. My first trip out of the US was at 18 joining 5 other girls on a summer YMCA project in Trinidad and Tobago. It was the best way to learn about day-to-day life in another country and participate in community activities.

The benefits were endless. They included:

  • Meeting local residents outside of the typical tourist path
  • Seeing distant and often more unusual destinations
  • Providing volunteer efforts to communities than may have experienced natural disasters or other hardships.

If you are new to solo travel, take a look at each of these options. You will be surprised how fast solo travel gives you the chance to make new life-long friends from around the world so that you feel you are solo to more.

How to Find Affordable Dental Care in Your Area

In the 1960’s and 1970’s, most dental insurance policies would cover up to $1,000 or $1,500 in dental care every year. Today, a single crown can cost that much, but most dental insurance policies still have the same annual dollar limits.

Unable to find affordable dental services, many people are having teeth pulled that could be fixed, because they can’t afford to pay for the work.

Finding affordable dental services in your area should not be that difficult. Though the task of locating a dental specialist who offers an affordable dental plan for yourself or your family can take some time, but it can be done easily if you know how to find them.

First and simple step for doing so is to just ask around. World of the mouth is possibly the best chance you can have while looking for a good dental care plan. Simply inquire about them from your relatives, friends and co-workers. Ask about the dental services they are getting, how much it costs, how easy it’s to get an appointment, if the emergency service is provided and so on. Inquire about their personality, if they are friendly, especially towards the children and if the atmosphere in their office is relaxing and reassuring. By asking around you will not only be able find a dental care facility that you can count on but also the ones you can avoid.

If you have just moved to a new area, it could be quite hard for you to find affordable dental care. Since you are new and don’t know anyone well enough to ask about their dental plans, you can try checking out the local hospitals and other facilities that use the services of a dentist. They or the dentist they employ should be able provide you with a list of the best dental care facilities in the area. If you are planning to move to a new area, you can always check with your present dentist and find out if he can suggest any dental facility in your new area.

The other thing you can do in order to find an affordable dental care is to check out the local dental schools. Most of these schools offer dental services and that too at competitive rates. Some of them may offer to clean and check your teeth for free. You can search for them over the Internet easily.

The most powerful and easiest way of finding great dental services in your area is searching for them online. There are thousands of websites listed over the Internet that can help you locate a dental facility in your area. Simply enter the zip code of the area, and you will get the list of dentists that offer dental care in and around the particular area. Many of the dental insurance companies also provide this facility on their websites. Searching for dentists over your insurance company’s website will give a personalized list of dentists that accept your insurance cover.

Stainless Steel Jewelry

Pieces of jewelry made of stainless steel feature a beautiful silvery finish that is resistant to tarnish. This has made them a popular fashion jewelry choice among many people all over the world. The steel used to make jewelry has a non-reactive surface and is also hypo-allergenic which makes it an excellent choice for making high-quality body jewelry. Being resistant to surface scratching means that the pieces of jewelry made of this material will retain their attractive brushed finish for longer than most other materials.

Stainless steel jewelry is loved by many people not just because of their durability but also for the amazing beauty. Today, many fashion and body jewelry are made of steel alloys. In addition, the alloy is used to make wedding jewelry and a host of other jewelry meant for a lifetime wearing. To get the most out of such pieces of jewelry it is important to know how to spot the best piece. Here are important guidelines to consider when buying jewelry:

Body Jewelry

Body jewelry are made with special care so that they can be worn through body piercing. This requires special material that will not corrode or cause any other harm to your body. The best body jewelry are made of surgical grade stainless steel. The alloy has low nickel content and does well in an environment with low oxygen. If you intend to wear your body jewelry for longer hours then consider one with a smooth finish and made from the 316 LVM surgical steel which has low sensitivity and is not susceptible to infection or irritation.

The body jewelry made of steel are specially harden to prevent scratching and thus are free from pathogens and any form of turning. To buy body jewelry also remember to get the right size because a piece that is too large for your piercing will cause injuries to your body while those that are too small may fall off.

Fashion Jewelry

Jewelry made from stainless steel alloy are also becoming popular fashion jewelry the world over. This is because stainless steel can be anodized to give the jewelry a rainbow of colors that can inject some colors into your fashion style. The colors may range from pure gold to glossy black and rich deep pinks. Being resistant to tarnish and scratching the pieces of jewelry that you buy will retain their color for eternity.

When choosing fashion jewelry made of steel go for one that has the right colors for your style. Remember to also buy the design that best communicates your sense of style. There are quite a number of great designs in the market that includes ID bracelets, name plates, hearts and military-style designs. Pieces of jewelry made of steel are extremely difficult to resize or even bent. This means that you should ensure that you buy the right size and shape at all times.

Men’s Jewelry

Jewelry made from steel are strong durable and quite manly. They are also quite affordable when compared to those made of gold or platinum. This does not, however, mean that you should buy the next steel jewelry you come across. There quite a number of women style steel jewelry that you should avoid. For men’s jewelry, go for natural colors such as silver, or black. Also, check the design for masculinity. For ladies, colorful pieces of jewelry will do.

Stainless steel jewelry is becoming quite popular these days because of their great qualities and the competitive prices they go at. To get the best jewelry it is important to consider the guidelines based on categories such as body jewelry, fashion jewelry, and men’s jewelry.

IRA Loan-Loan-To-Value Ratio

When you apply for a non recourse loan against your self-directed IRA, the lender will examine the proposed loan’s LTV (loan-to-value) ratio before extending a loan. The LTV ratio enables lenders to assess risk on the loan. The loan-to-value ratio usually applies to loans borrowed for property investment. Because an IRA loan for property purchase falls in this category, it helps to know what kind of LTV ratio lenders expect for approving a loan request.

An IRA loan is riskier to lenders because the IRS requires it to be non recourse. This means it frees the borrower from personal liability in the event of loan default. Therefore, lenders usually offer an IRA loan only when the loan-to-value ratio does not exceed 65% for single family homes.

For condominiums, multi-unit properties, and apartment complexes, the loan-to-value maximum is lower, at around 60%.

Calculating Loan-to-Value

To assess if your IRA loan proposal is feasible, find out the loan-to-value for the IRA loan. Typically, the loan-to-value is the ratio of the loan amount to the value of the property.

Therefore, if you want to purchase property worth $100,000 and expect to borrow an IRA loan of $85,000, the loan-to-value ratio would be 85%. The LTV is too high, and it is unlikely that your loan application would be approved.

Take another example. If you want to buy the same property (worth $100,000) and need a loan of $65,000, the loan-to-value is 65%. This increases the likelihood of a favorable response from the IRA loan provider.

If you are planning to borrow $70,000 to purchase a condominium worth $100,000, the loan-to-value ratio is 70%. This is higher than the acceptable LTV on condominiums and multifamily dwelling units. However, if you are willing to offer a down payment of $40,000 and borrow only $60,000, the loan-to-value ratio becomes 60%, and the lender might be more willing to consider your loan request.

The loan-to-value cap may also be lowered if the lender feels that the property is a risky investment; that is, it does not yield good returns, requires too much investment, and cannot fetch sufficient rental. Other reasons for a reduced LTV could include poor condition of the property, a unique property, or unimproved property (land).

Investing Smartly

Usually, it is a good idea to scrape together the funds without taking out a non recourse loan if possible. Some people partner with relatives; others may clear out their savings to come up with the required capital. However, getting hold of the money through these channels is often difficult.

Many people are unaware that, in this situation, they can finance the property purchase in the self-directed IRA by getting a non recourse loan. While the lender provides 65% of the property price, you can use your IRA to fund the remaining 35%. Though this loan does not put IRA assets at risk, remember that it does put your IRA’s future ability to obtain a loan at some risk, so you have to invest wisely. Choose a property that requires minimum operating expenses such as maintenance, security, utility bills, tax, etc. and offers maximum returns in rent.

Before you approach the lender for an IRA loan, you need to have a self-directed IRA with at least the 35% of the property price invested in it.

A self-directed IRA loan allows the investor to buy property within an IRA without putting the IRA at risk (the property you buy can be foreclosed, but other IRA funds are not at risk from lenders). Because your IRA is also funding a portion of the investment, you need to select the property cautiously.

10 Reasons Why You Should Adopt a Pet

Thinking of having a puppy that wags its tails and runs to you joyfully at your every beck and call? Or, thinking of having that cute little ball of fur called a kitten running about playfully in your house? Thinking about going to the nearby pet store to buy one? Stop your pet search then and there, and think, “Why should I spend my money on buying a pet when I have the option of adopting one?”

Makes sense, right?

Well, as you will see, besides saving your bucks, adopting a pet comes with tons of other advantages.

  1. As mentioned above, pets for adoption generally cost less than the ones available for sale in pet shops.
  2. A pet available for adoption may have already been trained to respond to basic commands like come, sit, go, etc., and hence it reduces the trouble of training them from scratch.
  3. Pets available for sale in pet shops are reared for the purpose of selling, keeping profit in mind rather than the health of the pets and are therefore, often sick and behaviorally troubled. Pets for adoption are not reared for commercial purposes. They are available for adoption because their previous owners had to give them up due to certain unfortunate reasons for which the animals are not responsible. Since, before being available for adoption, they had an owner who took care of them, they are generally healthy and well behaved.
  4. Pets for adoption come in every size, age, breed, and color and thus you get a wider variety to choose from.
  5. Most pet shop owners keep the animals in horrible conditions and the elderly female animals are treated as breeding machines. They have no genuine concern for these animals. Without purchasing from them, you can feel self righteous as you have not given them a dime.
  6. Most of the older animals available as pets for adoption have already been vaccinated. So you don’t have to bear the additional task of getting them vaccinated.
  7. By adopting a pet, not only are you giving it a home, but also you are helping provide shelter to another homeless animal which will be taken in, in place of the animal you have adopted.
  8. Having an animal as a pet has been found to be psychologically and emotionally beneficial to their companions. Not only this. The feeling that you have saved an animal by adopting it also gives you self-satisfaction and makes you feel proud of yourself.
  9. When you adopt a pet from a pet shelter, they inform you in advance about the “do’s and don’ts” so that you become well aware of what your pet loves and what provokes it.
  10. Last of all, you can brag in your social circles about having adopted a pet!

Now that you are convinced about the benefits of adopting a pet, make a pet search on the internet and find out the nearest pet shelter from which you can adopt your pet.

Pets are a blessing to humans. They act as great companions and great friends. So give them the love and care that they deserve.

Classic Cars: Original, Restored, Restored and Modified

Not all owners of classic cars think in the same way. Some prefer to keep them original (patina and minor issues), some completely restore them and some restore them and also do modifications. All three require the love and attention to detail of a classic car collector. No matter his preference the commitment, effort and knowledge associated with this very involved hobby is admirable.

Original Vehicles

An original vehicle is one that has been maintained so well that it has all of its original factory specified parts. Their parts have been mostly fixed rather than replaced and if they had been replaced at one time it will have been with the original part intended for the model from the exact year of its introduction. To determine the originality of a classic, enthusiasts look for “matching numbers”, serial numbers that are stamped on parts throughout the car that match each other and the number originally associated with the car in its year.

Pros and Cons

Original vehicles are extremely hard to come by. To produce one takes the most time and money because the original parts are as rare as or more rare than the car itself. Because of the lack of availability of models and their parts, many car owner’s claiming “original” are actually restored. A true original and a restored vehicle should look the same and nearly operate the same, but because of the difference in original parts vs. re-manufactured parts, the prestige and value of a true original is significantly higher. The value of the three types of vehicles fluctuates based on the changing demand of collectors just like many consumables, but original vehicles, even in their shabbiest appearances can sell for 35% more than their perfectly restored opponent, a reason why you’ll find a lot of speculation on which route to take.

Restored Vehicles

Restored vehicles are made to look and drive like they did the day they were introduced to consumers. Their owners however, choose to replace parts with factory refurbished remakes of original parts. Using the original as inspiration, a car restorer will match the interior, parts and paint as closely to its glory days as possible.

Pros and Cons

Because restoration parts are easier to obtain and the restoration route creates more of its kind, this vehicle is less rare and often less valuable than an original. This is also the reason a collector can achieve results faster and perhaps joyride in his car sooner and for longer, a pro that’s hard to argue if you’re familiar with the work required of an original. As previously stated, the monetary value of a restored is less than an original in many cases, but there is value in having the most fun in your car and if that’s a high priority for an owner than this is a fine choice!

Resto-mod Vehicles

Resto-mod is short for restored and modified. These vehicles are the furthest from originals. They are restored and often “modernfied” if you will. Some owners choose to enhance the engine, make it more fuel efficient, or add modern luxuries like a preferred sound system or safety features.

Pros and Cons

The sky is the limit for an owner with the freedom of modifications. He can build his dream car! Resell for these cars is difficult though and the return could be even less than was put in it so this is the biggest pit fall. The reward is grand and the risk too, is grand, but for many this is the perfect fit for them. The value of a restored and modified vehicle is very unpredictable because the vehicle has been tailored to its owner’s specific tastes and he’d have to find a similar buyer, something to consider when choosing this method and while choosing each modification as well, if reselling is an area of importance at all.

The debate and judgment of this sector of cars will always be, keeping this art form alive and well, but one thing is certain; classic car owners love their cars and that’s worthy of respect. After considerable research you’ll find that each collector has to make their car collecting decisions based on his own lifestyle and what he plans to do with it, re-sell or enjoy. Judge a collector not by the category of his car, but how well it’s been done and cared for.

Three Ways to Increase Property Values

Real estate investors live and die by their ability to add value. With no added value, there are no profits. This is true with any business, but what makes real estate such a great business and a great investment, is the number of ways you can add value and cash in on big profits. Here are three ways you can add value to your properties.

Upgrades and Repairs: OK, this is the obvious one and is the reason fix and flippers can make money. Some repairs add a lot more value than it costs to do. The more creative you are with the improvements, the more value you can add. For example, I have a client that adds square footage to every house he buys. He really likes the inner city properties because they are the hardest to add square footage. You either need to finish an unfinished basement, or add a second story. There is not typically enough land on the lot to add an addition by increasing the foot print of the property. This client does a lot of basement finishes and “pop tops,” but where he has made the most money is the basement that is only 5 or 6 feet deep. He will go in and dig out the basement to a full 8 or 9 foot height and then finish it. Something most investors would not think of, so he is able to get the deal most other investors pass on. I have also seen some investors find houses that don’t really fit into a neighborhood and they make them fit. This could be limited bedrooms or bathrooms or funky floor plans. All of that can be changed. Obviously many cosmetic fixes like kitchens and bathrooms add a lot of value too. There is a lot more to it than this, but the idea is to buy a property at its true ‘as is’ value, (don’t over pay), and then add value with the repairs and upgrades.

Owner Finance: I love this one because it is so easy to add value with very little to no work. You will need to wait to cash in on your profits, but it is a way to increase a sell price significantly. You can also use this strategy to defer tax gains over a few years, instead of taking a big hit all in one year. When you have a property for sale there are a limited number of buyers for the house, although right now that pool of buyers seems pretty big. If you can increase the pool of buyers, the demand for that one house increases, which forces the price to go up. Someone that cannot qualify for an ordinary loan, limiting the supply of houses to choose from for that buyer, will likely buy your property. That also increases the price. You are adding value by giving them the chance to own a home that they normally would not be able to own. For this value, you should be compensated with a higher price and a decent interest rate on the profits, while you wait for the buyer to refinance and pay you off in full.

Shared Units: This is one area of real estate that I have not dabbled in, but it is extremely inviting. The idea here is to sell your property to multiple buyers. You are seeing this a lot in resort towns. It is always a vacation or second home. Have you ever been to a time share presentation? They are pretty enticing aren’t they? About 13 years ago my ex wife and I were in Florida and got sucked into a time share sales pitch. We decided to go because they offered us free tickets to Disney. We sat there for about an hour and a half and then the hard sale came. They were very good at selling the “idea” of the time share and had my ex wife sold. She asked me to move forward with the deal, but I could not bring myself to do it. I told her that I was not comfortable with an emotional purchase and that we needed time to think it through. “Can I please have our Disney tickets?” was my response. As we rode back to the hotel that afternoon, I started thinking about the math. Each unit can be sold to 52 different people because your purchase only gets you 1 week a year. Add that to the annual maintenance fees and the numbers are staggering. I know people who have flipped time shares successfully, because you can get them for free or near free on Craigslist, but it is not an investment I was interested in. With that said, I have considered doing a half or quarter share on a house in a ski town in Colorado. In this scenario, you are sharing a house with 1 to 3 other people so there is a ton more flexibility. You can use or rent out your weeks and you can be guaranteed valuable high demand weeks every year. It is a way to get a second home without the full expense. From the seller’s point of view, it is a way to get more for the house. ½ a share of a house is going to cost the buyer more than ½ of the fair market value. I have seen business plans from investors that would buy a house and quarter share it out. The idea was that after they improved the property and sold ¾ of the house to 3 different buyers, they would own the last ¼ free and clear. Obviously this strategy will work best in areas where people want second homes. The downside is if there are any improvements or major issues. I can see there being disagreements, so this is something you would want, as a buyer, to work out with all the other owners in writing before you buy.