A Holiday in Turkey – Is it the New Spain?

Some four hundred thousand Brits now own holiday homes abroad, Spain has been the most popular of destinations over the past twenty years; it has however become very expensive and more than a little over developed in recent years.

As a consequence many have begun to look elsewhere for their ´place in the sun´. Turkey has seen a huge rise in interest both as a holiday destination and a place to invest in property, people who were astute enough to recognize it as a potential ´hotspot´ as little as eight years ago could have seen their property increase in value by as much as 500% in that time; and whilst Turkey too has seen a decline in demand during 2009, property values have not dropped in the more desirable Mediterranean resorts, (one such resort being Kalkan) to the degree they have in the likes of Spain.

The possibility of Turkey´s acceptance to the European Union has also fuelled speculation in the property market there, whether they will ever achieve acceptance (or indeed actually want to) is yet to be seen. This is the account of how I became one of those ´Brits abroad´: -

I first went to Turkey, rather reluctantly, I might add, on holiday in 2000, and was very pleasantly surprised at how green the country was, I had expected to find a dusty arid country, how wrong I was! I was also very pleasantly surprised at how warm and welcoming the Turkish people were; having holidayed in Greece for some years I had always believed the Greeks would be difficult to beat in their hospitality, the Turks did just that.

My wife and I returned some five years later, having booked a holiday in a very swish hotel on the Dalyan delta, we were disappointed six weeks before being due to depart, to be told by the holiday company that we could not go there as the hotel was having work done and that they, the holiday company, would not allow their guests to have what was not the perfect holiday experience. They told us to choose something else from the brochure and regardless of cost they would honour the price we had paid and even refund us if there was a difference. My wife had seen Kalkan but dismissed it due to the transfer time from the airport feeling that it would be too long, however, given the situation we decided that we would endure the two hour transfer (it turned out to be one and a half). We chose a villa holiday instead of a hotel and hit the jackpot!

Kalkan, we decided very quickly was an idyllic place to holiday and whilst walking down one of the narrow cobbled streets one evening to enjoy a pre-dinner drink stopped to look in an estate agents window (as I´m sure many of you have), before I knew it we were making an appointment with the agent to view some properties the following evening. Meeting that particular agent was yet another amazing stroke of luck, he was a charming intelligent man who´s English was impeccable.

The following evening arrived and I have to say that I personally was not too enthusiastic, as I believed that I was wasting valuable time, I never actually expected to be buying a house. The agent who we learned was called Kemal met us at the appointed time and took us to view the first property, which he had chosen as a possibility. It was an imposing four bedroom detached property with magnificent sea views and a swimming pool; it was newly built and was being marketed at £140,000. It was without doubt a lot of house for the money, however, there was an apartment block right along side it with twelve balconies all of which looked over the swimming pool, a serious privacy issue which immediately ruled that one out.

As we drove away from that villa Kemal asked, “what are you looking for, do you want detached?” I rather facetiously said ´of course´ (remember I had little or no intention of buying) “do you want a swimming pool?” ´ Well obviously!´ He then took us to another newly built in fact not completely finished villa, at what point my attitude changed I cannot actually say, I just knew it was going to happen! This villa again was a four bedroom detached with pool and panoramic views over the bay and astonishingly £15,000 cheaper! We left Kemal that evening feeling like excited school children, a couple of days later and a couple of telephone calls back to the UK to our bank manager and we were signing on the dotted line!

From thereon Kemal did everything we gave him power of attorney (not an easy decision to make with someone you have only just met) and he completed the deal, we became the proud owners of our own piece of paradise seven months later. The piece of paradise is called Villa Katmar, a vaguely Turkish sounding word? No just a combination of parts of our names.

Becoming a property owner in Turkey for us was a very easy and stress free experience, however, a WORD OF WARNING, not everyone we know had such an easy transition into becoming a Turkish villa owner! As in any country it depends very much on the people you deal with and applying a little common sense! I have to say we were very fortunate to have had that almost accidental meeting with Kemal; it could have been a very different tale had we done ´business´ with someone else.

If you are contemplating buying in Turkey then I would urge you to consider Kalkan and if you do then again I would have no hesitation in recommending Kemal Safyurek of Mavi Estates.

How To Fix Sputtering Marketing

Is your marketing generating a steady stream of sales leads?

If not, ask yourself this question: Do you have a marketing plan?

You may know what your business goals and objectives are. And you probably have a website and some advertising. But without a game plan, your marketing activities are reduced to a few unconnected activities that are unquestionably to produce the results you want.

A marketing plan helps you tie all your marketing activities together and keeps you focused so that you can create a roadmap that will lead you to your objectives.

And a simple, one-page marketing plan will take you a lot further than no marketing plan at all.

So what should your plan be based on? You can start with these basics:

1. Identify Your Marketing Goals

What specifically does your marketing need to achieve for your business to thrive? How many new leads do you need each week? What percentage of those leads do you need to convert to sales? What is your revenue target?

2. Create A Marketing Strategy

Take a look at your goals. Now what is your overall approach and position in relation to your goals and competition. My marketing strategy uses an educational approach. By providing people with useful information and ideas, I get an opportunity to demonstrate the value I provide and establish my credibility.

3. Set Up Your Marketing System

Create an action plan. Tie all your marketing activities together into a system that reflects your marketing strategy. The idea is to have everything working together as one.

4. Creation And Implementation Of Your Marketing Activities

Now that you have identified what your marketing activities will be, it's time to take each marketing activity and figure out who will create and implement it and when.

5. Fine Tune Your Marketing Tools

Your marketing activities require the use of one or more marketing tools. These include your website, your marketing messages and things like article marketing. To get your prospect's attention, you need to ensure your marketing tools are really ready to cut through all the marketing noise.

Creating a written plan may seem intimidating but as you can see, you should be able to hammer out the basics in a few hours.

Best Tips on Group Health Insurance

Perhaps many of you are wondering what a group health insurance policy really means. Well, the answer is not complicated at all! It is just an insurance coverage made by an employer or other authority that is meant to cover all individuals in a particular group!

A group health insurance gives an employer the advantage of not paying the whole premium for the insurance policy in order to cover his employees. In the past, an employer was expected to pay for all the benefits of the employees, but fortunately, now the times have changed and an employer only has to donate just a part of the health insurance premium of the employees.

The general attitude of the insurance companies is to offer lower rates for a group health insurance than on an individual one. This is the main reason why people who are self employed to be aiming for a small business health insurance too. These persons can not be blamed, even if they incorporated to give the insurance company the impression of a larger corporation, as they are only trying to get a good deal on their small business health insurance rates. The result is that each and every person struggles to get an insurance plan, as a small business health insurance is very cheap when compared to individual health insurance.

It is a commonly known fact that group health insurance plans are very much appreciated by all the employees. This is the main reason why most employees value it very much too. A group health insurance policy or a small business health insurance has contributed to the success of many organizations. They have that enabled them to continue employ new people and, at the same time, keep the best people in their business!

No matter what group health insurance plans, service suppliers or a health maintenance plans that a company may offer, there are so many places where you can get informed about these things. You must carefully analyze the group health insurance quotes that a number of insurance companies offer, before deciding if there is something to suit your expectations.

In order to make the best decision regarding a group health insurance, a recruiter must study all the websites and brochures of the health insurance companies that the employee has selected and intends to engage. After comparing their service plans, costs and methods of payment, you must also keep an eye on the starting and ending dates of the insurance policies. The interesting, but disturbing thing is that some health insurance companies only cover you from your third payment, therefore you must be very well informed before making such an important decision.

Last, but not least, there is one more thing you'll have to consider before choosing a group health insurance plan or a small business health insurance: there should be any services or illnesses that are excluded from the policy, it is best to know it from the start. This is the main reason why it is for the best interest of any employee to keep away from any group health insurance policy that only covers a small number of diseases.

Prosperity Investing – Tips For Your Financial Prosperity

Do You Know How to Fund Your Investments?

Welcome readers, and thank you for reading this post, "Private Money Goldmine". I realize that there are thousands of investment manuals and self-help books on the market, and that you could easily create another author's materials, but after reading my little known approach to increasing the return on your retirement investment money, you'll be certain you've made the right choice. What you'll learn in this article is everything that your bank, your investment counselor, your accountant and your attorney either do not want you to know, or do not even know themselves!

You'll find the secrets to investment strategies that only the wealthiest of investors have known for years. Be prepared to have your eyes opened to a world of investment opportunities that you have only dreamed of, but that can be a reality, right here, right now.

How long have you been waiting to grow your retirement savings into an amount that you're confident will keep you in the lifestyle to which you've become accredited for the rest of your natural life?

Or better still, an amount that you'll be happy leaving to your children or grand children to give them the start in life that you may not have had? If you're counting on Social Security to accomplish either of those goals, you're in for a huge disappointment. No, while Social Security may give you enough money to survive at the poverty level upon your retirement (if it's even still in existence when you get there), it will not begin to allow you the financial freedom to enjoy the lifestyle that you deserve .

Yes, your retirement "nest egg" is up to you to accumulate, and depending upon your age, some of us have more or less time than others to grow that retirement fund. That's exactly why I'm writing thisarticle, to educate everyone who's willing to listen, to the fact that your money will never grow fast enough to create a legacy for your family if it's invested in a vehicle that's providing an annual return of 1% – 5%!

No, you need a double-digit return at a minimum, coming to you by way of "passive income", if you want to create multi-generational wealth. But it does not end there. Actually, personal success is just the beginning of what I believe is my path of purpose in life. It's really a blessing to find out what it is that you are passionate about in life, and after searching for many years, I personally have come to the realization that my passion is helping other people accomplish their goals.

I have helped many people become first-time homeowners, helped others attract passive income into their lives, and now I'm ready to be the ultimate philanthropist. I'm ready to give in a way that I never thought I could give before, as well as show others that they can do the same thing.

Everyone is so fascinated by real estate, from the "flip this house" shows on television to the "no money down" investing programs sold on infomercials at 2:00 AM. Those real estate investors are not geniuses. They are average people, just like you and me.

It's just that they took hold of the information that they gathered and actually acted on that information. That's exactly what I'd like to encourage you to do.

Have you ever heard anyone say that he or she is a self-made millionaire? Is it possible to be a self-made millionaire? If you had asked me this question five years ago I may have believed that a person really can create wealth without the help of anyone.

"Self-made" clearly means to me that no one else had anything to do with someone's success. I only have one question to the self-made millionaires in this world. "What about God"? Where does God come into play in our narcissistic ways? Success does not come from a human being alone.

We should never feel that we do not need to acknowledge a higher power. From where I stand in my life at this time, the higher power is Jesus Christ. Without Him, I could not begin to do the things that I envision doing. If you recognize that a higher power is responsible for everything from making the earth to the heavens, you should give glory to the only Being that is really worthy the of the glory.

Everyone has a piece to a dream – something that they're passionate about more than anything else. Nine times out of 10 it's not the job that they're working at right now. Real estate investing is one vehicle that allows you to create massive wealth for your family and to leave a legacy.

Hopefully once you learn my techniques you will become more of a giver and you'll thank God for your blessings and you will believe that there are no such things as self-made millionaires. God-made millionaires are people like you and I who understand that alone, we are nothing.

This is my declaration to my Lord and Savior Jesus Christ. I acknowledge that all of my gifts and talents come from you. Give me the wisdom to teach your people to be givers and conduits of love. You are fortunate to have the awareness of the ministry that was instilled inside of you at birth. That ministry my friends, is a finance Ministry.

Most people do not have a clue about the concept of "passive income". The only thing they know is earned income, and as we all know, earned income is income that is totally dependent upon your personal efforts. I'm sure you know the routine quite well.

You get up every single morning at five o'clock to get the kids off to school, sit in traffic for 30 minutes on your way to a JOB (Just Over Broke) that you do not even like, only to walk into a world where you will be chained to a desk for the next 8 to 10 hours. At this JOB you will, by virtue of your job description, spend every day fulfilling someone else's dream.

You see, the owner of the company has a dream, and understands passive income. You, my friends, are his passive income. If your boss decides to take a vacation this week, his or her company will still operate and his income will not be negatively affected by his absence. Once you understand the concept of passive income, hopefully you will do whatever it takes to discover how to make it work in your life. Getting rich is not hard at all. It just takes "passive income".

Passive income applies to any business and any person. But what I'm going to do today is to show you how to use self directed IRAs (your private money) to create that tax free, passive income and capitalize on what I call the "Private Money Goldmine". I have recently discovered the power of investing in real estate with private money, and because of that knowledge I am creating a real estate empire for my family.

Real estate is the easiest way that I know to create passive income in your life and it does not require a Harvard education. So if you follow my steps and start thinking a little bit differently. Are you familiar with the power of a self directed IRA? It can truly transform your life.

This article is the blueprint for the average person to make fabulous amounts of money, tax free for life. I pray that this article blesses you the same way that is blessed me and that it allows you to triple your rate of return on your future investments.

As Always, Keep God 1st, Invest in People