How To Make A Family Tree For Free In The US

I have to admit it, I don’t have much money. I have plenty of enthusiasm when it comes to making a family tree, but I’m not a millionaire. I make a salary, but there isn’t much left after rent and food. So, when I first started making my family tree, I was determined to make it without spending anything. In actuality, I wound up spending a lot more than nothing. In my eyes, it was more like a fortune, but to be honest, I think it was worth it. What I’ve learned about my family is priceless and the adventure isn’t over yet. It makes it possible for me to go to my job and not complain (much); because I have something else in my life. I have spent protracted periods of time talking to various people, and I know how to make a family tree with zero cost, but and this is where the big but comes in, it depends on where you are starting from. I was starting from ground-zero, so I had to spend something to find out stuff.

If you live in the United States, you will discover that it is not that easy to finish a family tree without spending something. One of the biggest reasons it is harder to accomplish is that United States records are done at the local level which means that the county is in charge and at times it even goes down to the parish level. Secondarily, there is no central repository; therefore, no central records that you can check details unless you are willing to part with some of your hard earned money. You probably can’t afford to go to every location to physically check the records so you will have to rely on the local records office to provide you with copies. Copies cost money, and you’re off and running up the family tree bill.

With that said, when researching your family tree, you need to prioritize. You know it’s going to cost you something, but realize that the largest expenditure generally comes from purchasing certificates related to your family. Record holders and government agencies can charge anywhere from $15 to $30 per certificate depending on type and location of purchase. Pricing is taken care of at the state and county level so it is varied and subject to change at any time.

Generally, marriage, birth and death certificates in the United States were available from the late 19th century onwards, so you are going to have to do some heavy duty research to find documents farther back. In addition it was only at this point was there any requirement imposed to store records and prior to that it was catch-as-catch can. Many folks just didn’t see the need to let anybody know about births, deaths and marriages in their family, preferring if they recorded it at all, to put it in the family Bible rather than some official agency.

Privacy laws also play a part when you are trying to get copies of various documents unless you can prove that you are related to the person you are trying to track. Many times you will need to prove your link to the person in question, so before you get started you will want to talk to relatives about what you are attempting. They might have documents you can copy, reducing both costs and bureaucratic red tape.

One of the best record sources in the United States is the census and if your family is of a certain religion, the church. The census is pretty comprehensive and is chocked full of useful information. The church also tends to keep very detailed records of full families if you attend the same church for years.

Let’s face it. Nothing in life is free, and tracing your family roots is no exception. I will tell you there is actually quite a bit of information out there if you are willing to look, and there are many possible resolutions to the issues you might face when doing family tree research in the U.S. There are many sources of free info, but you will have to spend more time gathering the information. Sometimes, paying for a bit of documentation will make your life much easier.

One place that has a wealth of knowledge is The Church of the Latter Day Saints (LDS) – They house an extensive set of records relating to most countries, and more specifically to the United States that they have gathered from various churches and parishes. Much of this material is available for free at familysearch.org. They have birth, marriage and death records as well copies of the censuses for FREE! The amount of information outweighs the few drawbacks which are that things haven’t been fully transcribed yet. but as a good place to start, LDS is wonderful.

Cindy’s List – cyndislist.com/ – A huge resource of information, broken down by state and counties, with literally thousands of links. The only issue with this site is that it can be somewhat difficult to navigate. You can spend hours trying to find anything!!! However, if you don’t have gobs of money to spend, you will need to give up your time in research and sometimes frustration.

Please do a search for these in google:

Rootsweb – World Connect Project – Put in your ancestors name and hit the search button, and it will check millions of existing records and return the results.

HeritageQuest Online – Usually this site is only available via subscription, but your local library may have access for free. It includes census bureau results as well as vital statistics.

Interment.net – Free Cemetery Records Online – Over two million records are stored here taken from literally thousands of cemeteries around the world.

US Genweb – The original and largest storehouse for United States genealogy.

Ancestry.com – This website offers a free 14-day trial of their service.

USGenWeb Archives – Search engine that will go through every United States record without visiting each state’s website. Very timesaving, this is a very well-hidden service that is, as a result, under used by most people

US Social Security Death Index – Easy to use database has 64 million records of deaths that occurred after 1962. Searches return birth date, death date, residence and inheritor.

Ellis Island Records – Nearly half of all American immigrants arrived through Ellis Island, New York. There’s is easy access to ships’ passenger manifest records from 1892-1924. Original manifests and photos available.

Illinois State Archives – Free databases available from the Illinois State Archives, includes marriage records.

Castle Garden Online – Search by name and time period for immigrants who landed at Castle Garden between 1830 and 1890.

Geneanet – This 85 million name database is culled from free websites worldwide.

Michigan Genealogical Death Indexing System – 170,000+ Michigan death records are available from 1867 to 1897. It’s a free index.

Kentucky Vital Records – The Kentucky Office of Vital Statistics in conjunction with the University of Kentucky have transcribed three million state vital records for Kentucky.

Utah Census Search is a free search tool for the Utah Federal census – 1850, 1860, 1870, and 1880.

GenCircles – Global Tree is a well-liked web location for searching and submitting family trees using GEDCOM files. Over 32 million surnames can be searched with cross matching to other trees possible.

Obituary Central – If you need death records for the United States or Canada, then the search tools at OC will make it a breeze.

Pennsylvania Digital Archives – The Pennsylvania Archives Records Information Access System houses over 600,000 digitized records.

Maryland State Archives – Free Genealogy Indexes – Maryland State Archives site has lots of great info on it.

Oregon Historical Records Index: This is a free index of surnames compiled from a first-rate list of documents held by the Oregon State Archives.

There are also loads of forums geared towards assisting in your search to find your ancestors such as Discover like minded folks who are willing to aid you in your search with tips, techniques and advise.

Is Our Understanding of the Glycemic Index the Answer to Obesity and Other Weight-Related Problems?

Now here’s some shocking statistics for you. Did you know that as many as 1 in 2 Americans is on a diet at any given time; that nearly 2 out of every 3 Americans are clinically defined as overweight; and 1 in every 3 American adults are so overweight that they are considered obese. And let me add just one other statistic to emphasize just how big a problem this is. It is estimated, according to SurgeonGeneral.gov that 1 out of every 8 deaths in America relate to a person being overweight.

I think you’ll agree with me that these are absolutely shocking figures and in fact it was such a concern that way back in 2001, the Surgeon General of the United States, Dr Carmona, actually called for strong public health action.

But the problem is not just unique to adults. It’s a frightening fact that the problem is now spreading to our children. Such was the growing problem with child obesity that in July 2003, the Surgeon General gave a statement before the House of Representatives subcommittee on the growing problem. And the sad fact is that despite the spotlight focus on the issue, the percentage of people that is clinically defined as overweight and the number of people classed as obese, is growing every year.

While I have focused attention on US figures, which is at the top of the league table when it comes to numbers of overweight and obese individuals, it is not just a US health problem. The UK is quickly catching up and it seems that many other countries that follow in America’s footsteps, when it comes it eating habits, show similar signs of a growing problem every year.

In my pursuit to find out why there appears to be a growing epidemic around the world, I discovered some shocking truths about the food and the weight loss industries, some of these discoveries are revealed in a video I prepared earlier in the year. Its enough to make your blood boil!

The reason why I’m so angry and passionate on the subject of food and healthy eating is because our growing problem with weight loss and obesity is invariably due not to individual choice to over-eat or eat unhealthily, but more to do with the types of highly processed and fabricated food being churned out and labeled as healthy or low fat all backed with huge marketing budgets. Quite frankly its not any surprise that people are genuinely confused on what food is good for you.

In my book, the Glycemic Index At One With Nature, I set out the scientific reason in plain easy to follow language why following the glycemic index to eating food is probably the simplest and most effective method to permanent long-term weight loss and a healthier you. In fact low GI (glycemic index) food has grown in such popularity that there are now plenty of resources both on and offline for information, from general info on the glycemic index to lists of foods with their glycemic index values.

But let me be quite clear, the glycemic index of foods is extremely important not just from the perspective of losing weight, but also in getting us to understand the cause of a whole host of health related issues associated with obesity such as diabetes, arthritis, metabolic syndrome x, high blood pressure, heart disease and a host of degenerative diseases associated with excess weight.

So, before launching headfirst into the glycemic index food list, it’s important that you have at least a broad grasp of the glycemic index, how it works and how it can help you to achieve a healthier lifestyle. You can get a ton of free information on my specialist site on the Glycemic Index or search for my other articles on the subject.

Free Brokerage on Index CFDs – How Do CFD Brokers Make Their Money?

When anyone starts trading financial products for the first time, the trading costs involved are one of the most important criteria to consider. That is what makes trading index CFDs such a great product as they are generally commission free.

So the question most people ask is how can CFD brokers allow people to trade index CFDs commission free?

The reason CFD brokers allow you to trade index CFDs commission free is the fact that they have a spread on the index that you are trading. The spread is the difference between the first buyer and the first seller.

If we were to have a look at the Aussie 200 index for example the spread may be two or three points. The first buyer might be at 4000 and the first seller at 4002. As you can see there is a two point spread and so if we traded at one dollar per point then buying at 4002 and selling at 4000 would result in a two dollar loss. That two dollar loss is in effect your brokerage.

Trading Index CFDs with a small spread is critical

So as you can see there is no commission when trading an index CFD as in this example, but you will notice that if you got in and out when the market had not moved you would suffer a $2 loss. So whilst you may consider that you are getting the product commission free you are in effect being charged a small amount of brokerage. The great thing about this product is that the spread on an index CFD is usually kept to a minimum.

Free brokerage or $100 round trip?

There is no doubt that when you first starting out an index CFD at $1 per point is a brilliant option to consider. However, you can begin to see if you traded 25 contracts at 2 point spread your effective brokerage would be $50 to buy and $50 to sell making it a $100 round-trip.

Given the recent volatility of the Australian market and worldwide markets it becomes easy to see why one dollar per point is a very viable option. Even on the Australian market, which may move 100 points a day, at $1 per point you could be making or losing $100 a day.

Beware excessive overnight financing charges

The other reason CFD brokers are able to provide an index CFD commission free is that they charge an overnight financing rate which may be as high as the RBA rate plus or minus 4%. This means if you are holding an index CFD trade for a year you would be charged 4.25% +4% which equals 8.25% per annum calculated back as a daily rate. Always keep in mind that this financing rate is charged on your total position size which means it can get quite expensive allowing the CFD broker to pocket that finance.

Beginner Internet Marketing Tips – For Getting Your Site Indexed, This Works Like Crazy

Whether you’re working on Squidoo lenses, hubpages or even niche sites getting indexed is key. So let’s talk a little about getting indexed, what it is, what it means, how you know if you are, and how you can get indexed if you aren’t.

What is “getting indexed”?

Getting indexed simply means that Google has decided to add your site/page to the “index” of sites they have of all the known sites on the internet. So once Google has you in the index they actually know your site exists. Until you are indexed they don’t even know you are there.

What “getting indexed” is NOT.

Getting indexed does not mean you are going to show up on page 1 of Google for your keyword. That is something totally different. Being indexed just means they know you exist. Getting to the front page of Google takes a little more convincing that you are a great site and a good resource for their searchers.

How do you know your site is indexed?

There’s a couple ways to tell if your site is indexed or not. All of them involve asking Google in one way or another.

1. You can simply put the full address of your site in the Google search bar. You may come up with a long list of sites related to this url. You may also come up with some or any sites you have linked to this site FROM. It can be pretty confusing to know if your site has been indexed or not using this method.

2. You can put site:your-url.com in the search box of Google Now you will probably get one listing, and it will be your site.  This will show you your site has actually been indexed and Google knows it exists. I highly recommend using the site: function when searching to see if your site has been indexed, it will make it very obvious if your site has been indexed or not. If your site has NOT been indexed yet, you will get a message that says: Your search – site:your-url[dot]com – did not match any documents. This message from Google means it is NOT aware of your lens, and your lens is NOT in the index. Bummer.

What can you do to get your site indexed?

The best way to get your site indexed is to provide Google some links to find it from a site other than your own. What does this mean? It means creating content on other sites that link back to your own site. Here are a few places you can create that content:

1. Ezinearticles~ put a link in your resource box that leads back to your site/lens. Make sure your site is directly relevant to what your article is about.

2. Free ad blogs ~ there are tons of them around. They are generally set up on the wordpress platform. You simply sign up, then you have access to write a post. In this post you can create a link back to your site. It’s a really good idea to use the keywords you are targeting in your site/lens as the anchor text (the words people click on in a link) for the links back to your site.

3. Free blogs ~ a free blog is a great way to create a link back to your site. There are many many free blog platforms you can choose from, any of them will work.

4. Hubpages ~ another free platform where you can put a link back to the site you are trying to get indexed.

5. Wetpaint ~ another great free platform where you can put links back to a site you are trying to get indexed.

The key is to get some links out there ~ this is how Google finds sites. It sends its little “spiders” out to follow all the links of the web, it goes from one site, follows links there to another site, and so on and so on. When you have links from multiple sites (especially authority sites like the ones mentioned above) it shouldn’t take long for Google to find and index you.

I was indexed but now I’m not!!

If you find that you were indexed and now you are not, just go about the process of creating more content on multiple sites to let Google find you again.

BONUS

This may sound like a huge pain to do all this, but there is another bonus involved. All of these links you are creating back to your site to help it get indexed also count as “votes” when Google tallies the votes of related sites when deciding what to choose for the front page of the search results. When you are creating your links back to your site make sure you use the keywords you are targeting in your site as the anchor text, and you may find you site is not only indexed, but finding its way t the top of the Google search results for your chosen keyword.

Where to Find a Free Glycemic Index Chart

Are you conscious about your health? Are you looking for a special diet to help you maintain or lose weight? Do you want to protect yourself against harmful diseases like diabetes, high blood pressure, heart attack and the like? Nowadays you don’t need to go to too much trouble when it comes to looking for ways to stay fit and healthy. There is quite a lot of readily available information that can help you improve your lifestyle, such as is the free Glycemic Index chart.

If you want to ensure you eat the right kinds of food, a GI chart can surely help you out. This chart identifies different kinds of food and the Glycemic Index or GI of each. By knowing a food’s GI, you can tell if it is good for your body – if by eating it, you won’t run the risk of spiking your blood sugar – or if it increases the risk of diseases like diabetes. In many cases, the body gets sick due to the food we eat. A free GI chart can help solve this problem – and you won’t even need to pay for it.

So where can you find one? Here’s where you can go to find yourself a free chart:

o Surf the web

You can find almost anything in the internet. Simply type in the keywords and search using your trusted search engine. Many sites and articles offer free GI charts. Some are provided by health experts and supported by research; others even come in downloadable or print-ready formats. Pick and choose according to your needs and what suits you best.

o Browse through magazines and other print media

If you don’t have internet access, no worries. Health magazines, journals, and even newspapers can be good sources of these charts, too. Browse through them and look for your own free chart. In addition, you could also get to read other related articles like a comprehensive guide on how to use it and how you can benefit from it.

o Ask your doctor or friends

Make it a habit to visit your doctor regularly and not just when you are not feeling well. You can go and ask your doctor for a free chart the next time you drop him a visit. Chances are, he will give you a copy and even help you understand how to use it to improve your health and wellbeing. You may not know it but your friends may have copies as well and might just love to share them with you. Go ahead and ask around.

A free Glycemic Index chart is not so hard to find. You just need to surf the internet, browse through health magazines, journals or newspapers, and ask your doctor or friends to get one. You can start living a healthier lifestyle with this chart as a guide.

How Is the Value of the Stock Index Calculated?

Recap – What is a stock index?

A stock index is a statistical indicator that measures the combined value of a number of underlying stock prices. As stock indices are usually formed by a group of leading stocks in a market, they represent the overall health of an economy as well as the value of the stocks.

Although a stock index is not a tradeable product, but the rise and fall of its value can be traded on.

Methods for determining stock index prices

The price of each stock represented in a stock index affects the overall value of the index. However, there are different methods for determining how much weight each stock should be allocated. These include:

• Price-weighting
• Capitalisation weighting/ market-value weighting
• Market-share weighting
• Fundamental weighting
• Float-adjusted weighting
• Equal weighting

Price-weighted stock indices

A price-weighted stock index is an index where the fraction that a stock makes up of an index is proportionate to the price of that stock. This means that a stock trading at $500 will make up 10 times more of the total index when compared to a stock trading at $50.

Price-weighted stock indices do not accurately reflect underlying market values, as the stock trading at $500 could be that of a small company, whereas the stock trading at $50 could be that of a large company. As the stock of the smaller company makes up 10 times more of the total value of the index than the larger company, a change in its price will have a larger impact on the value of the stock index than a change in the price of the larger company. Meanwhile, the combined market values will not change to the same degree as the price of the larger company has not changed.

Also, price-weighted indices need to be constantly adjusted, as the changing prices of stocks will affect their appropriate weight in the index.

Examples of price-weighted indices include the Amex Major Market Index, the Dow Jones Industrial Average and the NYSE ARCA Tech 100 Index.

Capitalisation-weighted stock indices

In contrast to price-weighted stock indices, a capitalisation-weighted/market-value weighted index factors in the size of the company as well as the share price. This means the impact of a company’s price change is proportional to its overall market value, or the share price multiplied by the number of shares outstanding.

Consequently, small changes in large companies will have a greater influence on the value of the stock index than larger changes in small companies.

Some examples of capitalisation-weighted indices include the Hang Seng Index, Kuala Lumpur Composite Index, NASDAQ Composite, NASDAQ-100, NYSE Composite and the Taiwan Capitalization Weighted Stock Index.

Market-share weighted indices

A stock index that is market-share weighted is similar to a capitalisation-weighted index, but a market-share weighted index measures the price of shares relative to the number of shares, as opposed to their total value.

Fundamentally-weighted stock indices

Fundamentally-weighted stock indices weight stock indices by one of many economic fundamental factors, or by a composite of several fundamental factors.

This method of weighting argues that fundamental factors, such as sales, earnings, book value, cash flow and dividends, are a more accurate measure of its value than the share price, which can fluctuate with investor sentiment. One of the benefits of trading on these indices is that they might average out sector-specific biases.

Fundamentally-weighted stock indices are often contrasted to capitalisation-weighted indices. As the method of capitalisation-weighted stock indices focuses on company size and share prices, capitalisation-weighted indices could overweight overvalued stocks while underweighting undervalued stocks, meaning investors can’t see the true value of a company, and that the index doesn’t provide a true representation of an economy. As fundamental weighting weights industries by fundamental factors, an over- or undervalued share value will not have as large an impact.

That being said, although there isn’t a perfect correlation between fundamentals and share prices, there is some correlation, as large changes in fundamentals can result in large share-price movements. This was evidenced in the global financial crisis, when both fundamentally-weighted and capitalisation-weighted indices plummeted.

Float-adjusted weighted stock indices

Traditionally, capitalisation-weighted stock indices have had full-weighting. Full-weighting means that all shares outstanding for each company are included. Recently, many capitalisation-weighted indices have shifted to float-adjusted weighting, which takes into account the proportion of shares a company has free floated.

Both the S&P 500 and S&P 100 indices are now float-weighted.

Equal-weighted stock indices

Equal-weighted stock indices assign each stock in an index the same weight, so a movement in the share price of all companies have the same impact on the index, regardless on the size or market-share of that company.

Get Search Engines – Index Your Website

If you want free search engine traffic from the search engines then the first step is to get your website indexed by the search engines. As long as your site is not indexed by Google, Yahoo and MSN, these search engines won’t even know that your site exists.

You will find many SEO Services on the internet that claim to getting your site indexed by hundreds of search engines on payment of $50-$100. Most of these SEO Services are just taking the webmaster for a ride; avoid them. Many SEO services online will charge you something like $50-$100 for getting your site indexed by hundreds of search engines. The truth is most of these services are not good. Don’t waste your money. You can get your site indexed for free by the three important search engines.

In my opinion, there are only three search engines on the internet; Google, Yahoo and MSN. The other so called search engines have so little traffic that you can ignore them. Focus on Google, Yahoo and MSN. Google is the most important search engine. In fact, it is the search engine. If your website is not indexed by Google than forget about getting search engine traffic. Google gets more than 60% of the search engine traffic and its share of the global internet searches is on the rise. Ignore it at your peril!

Yahoo gets around 30% of the search traffic online. This is the second largest search engine. Getting indexed on Yahoo is also important for you. Yahoo can give you a lot of traffic for free.

MSN is the youngest search engine among the top three and is also called the Baby Search Engine. MSN share of the search engine traffic is less than 10%. Somehow MSN could not compete with Google and Yahoo in the online world and has been left behind. Most of the people who go on MSN, are not internet savvy, so you should expect very good conversions on it. Studies show that MSN converts 3 times better as compared to Google.

For getting your site indexed on Google. Open a Google Webmaster Tools account. Submit your site as well as its sitemap. Wait for a few days. Googlebot will come and crawl your site and get is indexed. It is as simple as that. People try to portray as if getting indexed by Google is difficult. But with Google Webmasters Tools, rest assured, Googlebot will index your site in a week.

Yahoo has its own Yahoo Explorer service. Open an account. Submit your site and its RSS feed. Yahoo takes a bit long in indexing a site. But once you have submitted your site, dont worry much. Your site will be in the Yahoo index in around a month’s time.

You can also get your site indexed on MSN by clicking on the Webmaster link on the bottom of each MSN search page. Submit your site. MSNbot will index your site in a few days. Just focus on these three major search engines. Rest of the search engines are not worth wasting your time.

Website Indexed in Days – How to Get Your Site Indexed in Just Days by All the Search Engines

Some people have trouble getting their site indexed quickly by the search engines. There are a number of easy ways to make sure that your website does get indexed and quickly.

What is indexing?

It is the adding of a website or web page to the index of a search engine like Google, Bing, Yahoo! or Ask. The index of these is the collection of web pages that they have crawled and can return in a search result.

Obviously if you want to show up in search results to get free traffic it is crucial that you get as much of your site indexed.

Hypothetically search engines are happy to index a website within seconds if they see it as very important. So the key to getting indexed is making your site seem more important. There are a number of ways to do this.

Build high Page Rank backlinks

Backlinks are links from one website to another. They are seen as a vote for a website. The more votes a web page has the more important it is. Unfortunately backlinks are not made equal the more Page Rank they carry the more important the vote is to the search engines. Here are a couple of easy link build techniques:

Article marketing

Writing and submitting articles to article directories is a great way to build inbound links. This is because all article distribution sites allow you to place links at the bottom of your article to your website.

Write an eBook

Writing an eBook and giving it away for free is a fantastic way to build a profile for yourself as an expert in your field as well as build high quality backlinks. You can place as many backlinks as you want within the text of the eBook and then all you have to do is to get other sites to host it and make it available to their users. There are a number of eBook directories for free eBooks.

Video marketing

Much like article marketing, video marketing is creating videos and submitting them to the numerous video directories like YouTube. You can place a hyperlink at the start of the description of the video.

There are a couple of other ways you can make your website so that it will be indexed in days

Site architecture is very important. In general a three tier system is preferred in particular for small to medium sized websites. This entails only having any of your pages within two clicks of a button i.e. you could go from your homepage, to a second category, to any page on your website. This is ideal for a search engine robot who wants to be able to navigate a site easily. Another important part of site architecture is internal linking which is linking from one page of your site to another. The search engine robot wants to find its way around your site by following links so oblige it by placing links within the text, as well as in images and navigational bars. The use of breadcrumbs is another great way to break your site into easily accessible categories.

Create an XML sitemap, this a sitemap that is only available to the search engine. You can create one on any number of free tools. It is basically a list of all the pages you want indexed on your site and their importance. You submit the sitemap to the search engine from their webmaster section and they will prioritise their robot’s visits to your site. It will go to the high priority pages first making them the most likely to be indexed.

Don’t worry too much about indexing if you have high quality content and a website that complies with the search engine’s guidelines you will have most of your site’s pages indexed and showing up in the natural search results.

might your workers reap the benefits of joining seminars

Ok so I have written about some of the best B2B directories, they all offer services at a price but can provide great results for your company. I have detailed probably what I would consider to be the ‘big’ 4. There are many more available but weather they are worth looking at is a decision I will leave for you. However not all directories make you pay for your advert, there are a few out there that offer their services for free. One thing you have to remember is that these directories simply can not provide the same coverage as the paid for ones, but considering they are free they do work fairly well. Also remember when advertising you are not limited to one place, spread your advert out across different directories to receive more coverage.

Free Index
This is one of the most popular free directories, not as large as the paid for directories but still boasting around 20,000 companies and 1.2 million visitors a month Free Index works well considering it is free. Their service is free of charge and they promise not to send to any spam. It takes about 2 minutes to set up a free small advert and is a good start to getting your name out there.

Expert Focus
This is another free directory that specializes in the advertising of manufacturers, so if it is a manufacturer you are looking for and want to put a small advert somewhere Expert Focus is worth checking out.

Risk Free Real Estate Investing

There is no such thing as a risk free investment. But there are ways of investing that can reduce the risk well below what any investor would consider to be acceptable. Investing in National Rental Affordability Scheme (NRAS) Real Estate is arguably the lowest risk real estate strategy available in Australia today.

Reduced Risk Profile

 

  • With rents at 20% below market value and a large pool of eligible tenants, investors can expect reduced vacancy risk.
  • With rents at 20% below market value and tenants qualifying income levels at up to $100,000 investors can be more selective in their choice of tenant.
  • Certainty of contributions from the Australian and State governments for a period of 10 years. Improved Rental Yields
  • The $9,140 annual National Rental Incentive for each rental dwelling, combined with the actual rent will improve rental yields over conventional residential investment properties.
  • The national Rental Incentive is income tax free, indexed to the rental component of the Consumer Price Index (CPI) and is additional to existing taxation arrangements including depreciation.

Further Benefits

 

  • NRAS is a Government Subsidised Property Investment
  • Secured Income Stream (10 Years)
  • Potentially Cash Flow Positive Investment
  • $90,000 Plus Tax Credits Over 10 Years. These are tax credits, not to be confused with tax deductions. Tax credits are effectively cash in your pocket. If your tax liability is lees than the credit, the difference is paid to you tax free.

 

NRAS property investment can counterbalance the risk and volatility of equity markets and helps to provide a balanced portfolio. The location of the properties and the attractive rents mean a stable and reliable income stream regardless of economic fluctuations.

With more than 1.5 million households eligible to rent NRAS properties, the vacancy risk is negligible. Properties must meet strict criteria for location, available facilities including public transport, schools, shopping centres etc as well as a healthy balance of rentals to owner occupied residences. All of which means high demand from tenants and potentially strong capital growth.

Investors can pick any tenants for NRAS properties, as long as these tenants do not exceed a certain income threshold. Income levels for eligible NRAS tenants are generous and allow for tenant salary increases of 25 per cent above the entry income limit.

For example, a couple with three children, earning a gross income of $100,768 per annum, is eligible to rent an NRAS dwelling. With the income increase allowance of 25 per cent, this family could earn up to $125,960 for two years before they become ineligible to remain in an NRAS property.

So investing in a National Rental Affordability Scheme property means:

 

  • Better rental yields
  • High demand from tenants meaning more choice for owners
  • Negligible vacancy rates
  • Strong potential for capital gains

 

That may not be risk free, but it is possibly the closest thing to it.