Property for sale in Bulgaria - Emerging Property Markets 1

Written by James Wittering

Continued from page 1

So what do you really need to know?

There have been a few negative stories floating around inrepparttar press and on TV, but as with all things most of these issues could have been easily curtailed with a little good advice and lots of homework. It is important to remember that you are dealing with an emerging market; by it's very nature not as predictable asrepparttar 147170 currently stagnating Costa-del-everyman. Having said this it seems that these warning signs pertain to properties onrepparttar 147171 Black Sea Coast rather than ski resorts. The ski season in Bansko is considerably longer thanrepparttar 147172 coastal season andrepparttar 147173 mayor of Bansko is attempting to restrict Bansko to just 8000 beds, ensuring thatrepparttar 147174 region does not become overdeveloped and saturated.

Regardless of what you chose to do, it is very important to seek independent legal advice. No matter how seductiverepparttar 147175 sales patter, you need to know that planning permission has been granted,repparttar 147176 land title ratified, and that there is no outstanding mortgage onrepparttar 147177 land and so on.

Always be wary of developers who want you to agree to a different price onrepparttar 147178 notary deed. This can adversely affect your capital gains tax when you come to sell.

Always enquire about added costs such as maintenance charges you might be expected to pay above and beyondrepparttar 147179 purchase price and be aware that not all agents provide refundable deposits.

So is Bansko a good bet forrepparttar 147180 future?

Yes. A long ski season is great for buy-to-let investors and it is already a proven, popular destination for skiers. Lots of money is being spent on improving infrastructure and facilities and with accession intorepparttar 147181 EU for Bulgaria in 2007, significant capital growth can be expected. One ofrepparttar 147182 most important factors will be access and with several budget airlines currently looking to add Bulgaria to their list of destinations, property in Bulgaria, specifically Bansko, should enjoy a huge increase in demand.

If you're reading this then you're already usingrepparttar 147183 internet to research Bulgarian property investment issues. Another great way to figure out what's going on is to seekrepparttar 147184 opinions of those who have already bought: Check out

Emerging property markets are exciting and potentially very profitable. Just go in with your eyes open and armed with as much independent information as you can.

James Wittering is the marketing manager for Exclusive Properties International who help their clients to build investment property portfolios from all corners of the globe. They also have property for sale in Bulgaria.

Reducing Credit Card Debt

Written by Neil Brown

Continued from page 1

A debt consolidation loan can be an excellent tool to assist inrepparttar reduction of credit card debt. Consolidation loans carry interests rates far below those of credit cards. Inrepparttar 147077 long run, a great deal of money can be conserved throughrepparttar 147078 use of a personal loan.

While in many segments of society,repparttar 147079 word "self restraint" is passť, out of style like last year's fashions. But, in reality,repparttar 147080 very best way of reducing credit card debt is through self restraint.

Of course, it is easy to bandy aroundrepparttar 147081 words self restraint and much, much harder to practice personal control.

Although it might seem comical onrepparttar 147082 surface, cutting up credit cards is a perfect first step to reducing credit card debt. No cards, no charging, less debt.

Many people leaverepparttar 147083 payment of their credit card accounts atrepparttar 147084 bottom ofrepparttar 147085 monthly bill pile. Other primary accounts -- rent, electricity, phone, andrepparttar 147086 like -- understandably take a higher priority over credit card bills. But, oftentimes a person will spend money on incidental purchases before taking on credit card balances. Inrepparttar 147087 end,repparttar 147088 credit card account may not be paid on at all or, if so, afterrepparttar 147089 deadline.

One way to ensure that credit card payments are made and one way to ensure that credit card debt is kept under some degree of control is via an automatic payment system on credit card accounts. A person's bank can arrange forrepparttar 147090 credit card account to be paid automatically each and every month.

By ensuring that at least a base payment is made on credit card accounts each and every month, accelerated interest rates and late fee penalties will be avoided.

Neil Brown contributes to personal finance sites such as uk credit cards and personal loans.

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