Monthly Archives:October 2017

  • Find mortgage rates Colorado

    When you think of the best ways in order to buy a new home, one of the first things you need to do is find mortgage rates Colorado. There are a lot of banks and financial institutions you will be able to turn to and each of them is able to offer you a deal for your new loan, but you have to take the time in order to go for one that suits your needs best.

    To some it may seem like a very hard task to overcome since there are too many options at hand when it comes to the source of the loan, but if you want the best mortgage rates Colorado, you need to put in a little effort so you can make it happen. The more you will search and the more banks you will talk to, the surer you can be about the result.

    One of the first things you need to keep in mind is that when you are looking for the best mortgage rates Colorado, you will have to live with them for decades to come. If you do not take the time in order to get a good deal now, you will spend a very long time paying the price and this is the last place you want to be in when it comes to your money.

    If you have already been burned and you have taken out a loan that does not suit your needs as best as it should, it is not the end of the world. Some people say there is no way out and they pay the price for it, but if you are in this sort of shoes and you want to find a way out, you need to start looking for the refinance rates Colorado that suit you.

    All the terms of the loan you took will not be able to bother you any more, since you will take out a new one and you will be able to enjoy a lower installment thanks to the refinance rates Colorado. There are a lot of things that you are able to enjoy if you get your hands on a better deal and you can even take out some extra cash for other needs.

    If you do not want to waste any more time than you have to and you want to be sure you will get the refinance rates Colorado that suit you a lot better, you have to turn to the web. The site of beaconfinancialinc.com is one of the first visits you need to make and you can be sure you will get your hands on a deal that you can rely on. If you take the time to compare all the perks you will get, you will have a very long list at the end and it can be yours on the spot.

    When people want to buy a home, mortgage rates Colorado are the ones that will show them how it can be done. If you want to be sure you will get a good deal or your will replace one with a better deal, the refinance rates Colorado you will be able to find with the team on the site named afore will show you what you have been missing out on.

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  • Condominium complexes A House For The Modern Filipino

    The number of condominium Philippines have steadily grown in the market since its first introduction. According to many experts, the reason why condominiums have become so popular in the Philippines is because of its many benefits in which many Filipinos living a fast-paced lifestyle have taken advantage off, which is its location.

    Many condominiums in the Philippines are found in business and commercial districts, which allowed its residents to live within walking distance to their workplaces, a feat rarely found in other types of housing, except maybe from apartment buildings.

    However, many new condominiums in the country have evolved to a more peaceful type of housing. These new types of condominiums are known as condominium complexes.

    Condominium complexes: A house for the modern Filipino Condominiums first begun as a type of housing in which many Filipinos have benefited from, which is because of its location. It is also known as one of the most popular modern housing in the Philippines because of its many benefits which caters to every Filipinos’ needs, particularly in today’s modern and fast-paced lifestyles.

    However, other than these types of condominium Philippines, a number of new condominiums have been introduced which offers a different kind of advantage for other Filipinos. One of the most popular new types of condominiums today are condominium complexes.

    Compared to condominiums found in the city, these types of condominiums are mostly found in the outskirts or even in provincial areas, which is why these types of condominiums are known for its serene and relaxing environment.

    Although condominiums in the city can still provide the necessary privacy and peace for its residents even in the busiest district, condominium complexes are known to offer a different peace and privacy in which many Filipinos are looking for, particularly for their growing family.

    According to many Filipinos, condominium complexes are known for its benefits which are popular among the many modern Filipino families. In addition to its family-oriented environment, condominium complexes are also known for its amenities in which many Filipino families can benefit from such as swimming pools, gyms, sports complexes, recreational parks, as well as playgrounds.

    Because of these new types of condominium Philippines, many Filipino families have now been given the chance to experience living in a modern type of housing which can provide them with everything that they needed, particularly the needs of their family and growing children. For more information visit to our site at http://www.atayala.com

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  • Commercial Property Investment

    Since it is a lively, growing area, it should not be too difficult to obtain a Makati house that agrees with one’s needs. The real estate investment market for Manila properties has flats, Today’s owners of distressed properties are still having trouble working out loan modifications with the banks.Will this be corrected and allow the current owners to make a run at turning an unprofitable venture into a profitable one?

    The standard real estate contract that a realtor wants you to sign mainly protects the realtor and then the seller. As a buyer you need to protect himself. I learned the secret to successful investing. Do not tell any one, but here it is. To be a successful real estate investor in commercial property,

    There has been a lot of money made in real estate during the past 10 years when investors used their IRA to fund their deals. There also has been a bit of discussion about using your IRA to fund your real estate transactions.

    The tight money market does affect the commercial investor in the same way. Sometime there are very good deals that come on the market because of the tight money. With all of the bad news coming out right now about the U.S. economy many people are tempted to hide their head in the sand and pretend it isn’t happening.

    There are a number of occasions when you may need to rent an office in London. These can vary between project management locations, disaster recovery premises or market research offices.These premises are excellent for start up businesses, as they require no up front capital investment, basic office services can be included and you will have an available receptionist and switchboard operator straight away.

    The relative strength of the Australian economy has seen local and international property investors taking over the commercial property market in 2010.Are you a new company in the Boston area, and if you are you need to plan ahead and decide what type of lease you will sign and what terms you are open to.

    Credit is given to individuals and corporate entities to fund their business activities. Commercial loans are available for short or long term.You can finance your first investment property if you have the credit, but as a rule of thumb, I prefer to pay cash for all my real estate investments.

    What makes commercial property different from regular property that homeowners purchase? Well, a regular property is intended for residence.There appear to be an increasing number of factors to budget for when starting a new business and a commercial office space may or may not be on your preliminary list of outgoings.

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    Read abo ut design competition and also read about world arena and competition online

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  • Reasons To Consider Building A Lean To Wood Shed

    Wood Sheds: Why Considering A Lean To Instead Of A Free
    Standing Shed May Be A Good Idea

    It seems like no matter how much we try we never seem to have enough storage space. Whether you are looking for a shed to keep that fire wood dry and ready to burn, extra tool storage or a place for that lawn tractor out of the elements, wood sheds come in handy.

    However, you may be reluctant to add another free standing building to your property. Perhaps, you feel there are too many out buildings already or perhaps you simply can’t afford the cost of a new storage shed. Whatever, your reasons a lean to may be the answer to all of your problems.

    A Lean To Wood Shed Will Save You Money

    A Lean to is a three sided building that leans against and uses a wall of an already existing building as it’s fourth wall. Building a lean to shed will still cost you but, the cost is far less than building a freestanding shed. Not
    only are you save you from buying the material for one wall, but, you need less roofing material and are saved money on the foundation.

    In fact, if you are building a lean to for storing that garden tractor or fire wood, you may not need any type of flooring at all using just a timber frame for your shed.In most cases a shed lean to does not need a floor since these buildings are usually only used to protect firewood or equipment from the elements and are not used to store those things that are easily damaged. Tools such as hoes and rakes can be hung on the wall leaving space on the sod floor of this wood shed for larger items.

    Building A Lean To Will Save You Time

    Not only is a lean to wood shed a great way to save money on your building cost it will also save you time spent in actually building the shed. Since you are only building three walls and a roof you won’t be wasting time pouring
    concrete or setting pillars for a more permanent foundation.

    You also will be saving time in the fact that you will only be constructing 3 walls instead of four and the roofing of the building will take less time as well. In fact, people who have built their own lean to sheds have often completed the entire project in the course of a week end.

    A Lean To Can Blend In With Your Landscape Easier

    A lean to shed can blend into your landscape easier than a freestanding shed might. Because it will attach to an already standing structure it will become part of that structure and provide an unbroken image especially if you build your lean to to match your existing building.

    A free standing building will cause yet another break in your landscape which may be undesirable for certain homeowners especially those who have worked hard on their lawn and garden and want those things to draw attention rather than a series of outbuildings dotting the landscape.

    A Lean To Is Easier To Maintain

    Because a lean to wood shed consists of less material than would a free standing shed it will be easier and cost less to maintain. In fact, maintaining your lean to can be done when you do the maintenance work on the building it is attached to, killing two birds with stone so to speak.

    Because a lean to will take up less of your time to maintain it will free you to do all those other projects that need your attention or simply give you more time to relax.A lean to shed may be a great alternative to a free standing shed as it is cheaper and easier to build and maintain, it can fit in better with your existing landscape and buildings and can be used to store all those extras that need to be kept from the elements.

    In most cases, building plans for lean to wood sheds are simple to read and easy to follow making them a great do it yourself project for people who enjoy working on projects may lack sophisticated building skills.

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  • Tax Returns for Child Actors To File or Not to File

    The first question that needs to be answered usually is whether or not your child even has to file taxes this year. The answer is this: A child who earns more than $5,350 as an employee (that is, as reported on W-2s) and whose parents claim him as a dependent must file. If that child claims himself as a dependent, he must file if he earns more than $8,750 in W-2 income. If, however, the child works as an independent contractor, he must file (because of self-employment taxes) if he earns more than $400.

    Children who earn less than the above are not required to file, but often should because they can get all withheld income taxes refunded.

    If your child earns money and chooses to file a return, he files separately from you. The parent can decide whether to claim a child actor as a dependent or to allow the child to claim himself. In basic terms, this decision should be based on income levels. If the child earns more than the combined income of the parents, it is more to the family’s advantage to let the child claim himself. Otherwise, it benefits the parents to claim him. Be advised however, dependency issues are highly complex, and can have legal ramifications beyond tax matters. So before a child claims himself, it is prudent to consult with your tax and/or legal advisor.

    Many parents wonder if their taxes will be affected because they have a working child. This is rarely the case as the parents cannot claim expenses they accrue for the child, except under highly unusual circumstances.

    Maximize Your Deductions

    I’m often asked “What is the one most important piece of advice you can give to actors,” and the answer is simple: keep excellent records and receipts. Doing so will help you maximize your deductions, lower your taxes, and satisfy the IRS if you should get audited.

    The record-keeping can be done in a variety of ways, but one thing is essential – it has to be regular. I believe once a week works well for recording your child’s and your own expenditures. You can use a ledger, a computerized spread sheet or a program such as Holdon Log’s, ActorTrack 2.0 – the choice is yours.

    You also need some way to make notations in the car. Otherwise, you will forget how many miles were driven and who and what amount you paid for parking. Of course, a minor who doesn’t own a vehicle can’t take mileage on her own – but she can pay you the mileage cost of driving her as a local transportation expense. This year, the IRA is permitting a mileage rate of fifty and a half cents a mile.

    Bear in mind that the IRS does not require written receipts for individual expenditures under $75, so long as you have made a written notation of the expense in a business diary or log (which can be any of the devices listed above or even your weekly or monthly calendar).

    Find a good way to keep the receipts accessible and in order. An accordion style file with multiple slots works wonderfully – just label each slot with the category of the expense, such as “Acting Lessons” or “Office Supplies,” then group expenses from each category in each slot with the oldest in the front and the newest in the back.

    Also remember that a lot of bad advice is given by good people – people who mean well, but don’t really know their subject. We find this particularly true in tax issues. Here’s one myth we commonly hear: all an actor’s clothing is deductible. Sorry — just not true. The tax law is very clear: to be deductible, clothing must not be suitable for street wear. So you are limited to genuine costumes: clown outfits, cowboy suits, period pieces, formal wear and other similar articles of clothing.

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  • Two Sets of Benefits from Two Different Condominiums

    Condominiums had become one of the most popular and in-demand types of housings in the Philippines today. Part of the reason why is because these types of housings can offer the kinds of benefits that many more Filipinos are looking for today, either the accessibility to business and commercial districts, or an environment suitable for a growing Filipino family.

    Two Different Types However, there are two different types of condominiums in the market today that offers two different benefits for different Filipinos. One type of condominium offers the luxury and advantage of living within walking distance from workplaces and entertainment places, while the other caters to the needs of many modern Filipino families in terms of providing a family-oriented environment. These are the condominium and condominium complex.

    A Condo for Executives Condominiums were first established in the Philippines as a type of housing that caters to the needs of executives and wealthy Filipinos working in business and commercial districts. This is the reason why most of these types of modern housings are found in business and commercial districts, such as in Makati City.

    According to Philippine real estate experts, its location allowed its residents to live within mass transit distance or walking distance from their workplaces as well as other popular entertainment places in the market. However, what made these types of modern housings even more popular in the market is because of its collection of amenities.

    Many Filipinos and Philippine real estate experts had said that condominiums are the only types of housings in business and commercial districts that can offer their own gyms, indoor swimming pools, as well as sports complexes for their residents, which made these types of housings even more popular in the market.

    However, there are several disadvantages of these types of condominiums, and this is also because of its location. Because of its location, as well as it’s lack of a suitable facilities, condominiums became unsuitable for a growing Filipino family. This is the reason why condominium complexes were founded in the Philippine market.

    A Condo for Filipino Families Condominium complexes, according to Philippine real estate experts, became popular for modern Filipino families because of its family-oriented environment, in which most of these types of condominiums are found around the outskirts of Metro Manila or even in the provinces, such as in Tagatay.

    Because of its serene and peaceful environment, as well as its wide open spaces, condominium complexes became a popular type of housing for wealthy Filipino families, particularly for those that only started to live out their lives as a family.

    In addition to that, condominium complexes can also offer amenities that suit the needs of a growing child, such as recreational parks and playgrounds, other than swimming pools, gyms, and spots complexes.

    The disadvantage, of these types of condominiums, however, is also because of its location. Because of its location, which is found far from the city, many of its residents found it harder to get back to their workplaces.

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  • Advantages And Disadvantages Of Lease Option Real Estate Investing

    Lease option real estate investing is a creative way to get started in real estate investing. The biggest advantage of this investing method is “control”. It basically gives the investor the right to possess– be in control of– and profit from a property without owning it.

    A lease option contract is a combination of two documents. The lease part is where the owner agrees to let you lease their property while you pay them rent for a stated period of time. During the lease period the owner can not raise the rent, rent it to anyone else, or sell the property to anyone else.

    The option part represents the right you purchased to buy the property in the future for a specific price. If you decide to exercise your option to buy, the owner has to sell it to you at the negotiated price. The option part of the contract obligates the seller to sell to you during the option period- but it does not obligate you to buy. You are only obligated to make rental payments as agreed during the lease period.

    When the lease option contract is written and structured properly, it can provide tremendous benefits and advantages to the investor. If the lease option includes the “right to sub-lease” the investor can generate a positive cash flow by renting the property to a tenant for the duration of his lease, or lease option the property to a tenant-buyer for positive cash flow and future profits. If the lease option includes a “right of assignment” the investor could assign the contract to another buyer for a quick profit.

    Lease option real estate investing, is a flexible, low risk, highly leveraged method of investing that can be implemented with little to no money.

    High Leverage

    It is highly leveraged because you are able to gain control of a property and profit from it now–even though you don’t own it yet. The fact that you don’t own it also limits your personal responsibility and liability. Only if you decide to purchase the property by exercising your “option to buy” would you take title to the property.

    Little to no money

    The investor’s cost to implement a lease option agreement with the owner requires little to no money out of pocket money because it is entirely negotiable between investor and owner. There are a variety of ways the option fee can be structured such as an installment plan, balloon payment or other agreeable arrangement between both parties. The option fee can even be as little as $1.00. In order to secure the property for purchase at a later date, tenant-buyers typically pay a non-refundable option fee of approximately 2%-5% of the negotiated purchase to the seller. Depending on how the lease option agreement is written and structured, the investor could possibly use the tenant-buyer’s option fee money to pay any option fee owed to the owner.

    Flexible

    It is a flexible method of real estate investing because terms of the agreement like payment amounts, payment dates, installments, interest rate, interest only payment, balloon payments, purchase price and other terms are all negotiated between seller and buyer. Responsibilities of both parties are also negotiable. For instance, if the investor doesn’t want to act in the capacity of a landlord, he could specify in the lease option agreement that tenant-buyer will be responsible for all minor maintenance and repairs and the original seller will remain responsible for any major repairs.

    Financially Low Risk

    It is low risk financially. If the property fails to go up enough in value to make a profit, you have the purchased the right to change your mind and let the “option to buy” expire. Even if your tenant-buyer decides not to buy the property, you have profited by a positive monthly cash flow from the tenant-buyer’s rent payments and upfront non-refundable option fee.

    Let’s look at an example of a lease with option to buy structured in a way that the investor profits in 3 separate phases of the investment.

    Profit #1 non-refundable option fee

    Future sales price negotiated with the current owner is $125,000 with an option fee of 2% of the sales price. Option Fee you owe the owner is $2,500. The future sales price you set for your tenant-buyer is $155,000 and the option fee is 4% of the sales price. Option fee the tenant-buyer owes you is $6,200. You collect $6,200 from tenant-buyer and pay $2,500 to the owner and your profit = $3,700

    Profit #2 cash flow from monthly rental payments

    The Monthly rental payment you negotiated with the owner is $1,000. You set the monthly payment at $1,250 per month for your tenant-buyer. Each month you collect $1,250 from your tenant-buyer and pay the owner $1,000 each month. Your profit is $250 monthly positive cash flow during the lease period.

    Profit #3 is set up when the lease option contract is initially written

    The difference in the negotiated future purchase price with the owner and the future purchase price set for your tenant-buyer. Let’s say the property goes up in value to appraise for at least $155,000. Your tenant-buyer decides to exercise their option to buy. You buy the property from the owner at $125,000 and then sell it to your tenant-buyer for $155,000. $155,000 – the $125,000 you pay to the owner = $30,000 profit.

    Of course the key to making lease option real estate investing work, is finding motivated sellers and buyers. Finding these motivated sellers and buyers shouldn’t be difficult. The continuing down turn in the real estate market has created a large number of sellers who can’t sell their property and also buyers who can’t get financing to buy. The seller could possibly get a fair offer to be paid in the future by selling their property to a real estate investor on a lease option basis. A potential tenant-buyer could obtain home ownership without having to qualify through traditional home loan guidelines.

    One disadvantage of lease option real estate investing involves the tenant or tenant-buyer possibly defaulting on monthly rental payments. This would make it necessary for the investor to come up with money out of pocket to pay the owner and possibly have to proceed with eviction process. However, there are certain provisions and clauses that can be written into the lease option to deter buyers from defaulting on payments.

    If the investor fails to do “due diligence” before entering into a lease option agreement, he could end up with a property that is unmarketable. There could be a number of liens on it, issues involving ownership of the property or it might be in foreclosure. By diligently performing research before entering into a lease option agreement, the investor can avoid these mistakes. A few things the investor could do is– perform background and credit checks on both the seller and buyer, search public records in reference to ownership and property status, or do a title search.

    Despite the few disadvantages, lease option real estate investing continues to be an excellent way to invest in real estate with little to no money and low financial risks. It also remains to be an excellent way to gain control of a property you don’t own and create positive cash flow and profits on flexible terms.

    Bottom line, the secret to success in today’s challenging real estate investing market is to use only the best creative ideas, proven tools and strategies that have been successfully used by other investors to generate cash flow and profit from today’s real estate market. The more you understand and apply now, the more you will profit from today’s financial crisis.

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  • Why You Shouldn’t Ignore Adult Ear Infection Symptoms

    While ear infections in children are common, they can still affect adults and are caused by bacteria getting inside the ear.

    Cause Of Adult Ear Infection

    Bacteria enters the middle ear through what is known as the eustachian tube. When this happens, infection usually occurs. The resultant infection swells the lining which in turn causes blockage in the eustachian tube. This leads to the formation of fluid build up and as it increases, can cause temporary hearing loss and pain. Unchecked, the fluid build up can reach levels pressuring the ear drum and damaging it.

    While there are several reasons infection can surface such as bacteria and viruses or from the common cold, it must be noted an adult doesn’t necessarily have to be ill to become infected. Water in the ears which is left to sit or mucous deposited into the eustachian tubes from blowing the nose can lead to infection.

    Adult Ear Infection Symptoms

    The following are the symptoms of adult ear infection:

    – blockage – temporary hearing loss
    – pain in the ear
    – fever and dizziness

    It’s important to see your doctor if you experience any of these symptoms especially for any length of time. Caught early, infection can be treated quite comfortably and any further complications can be halted.

    Adult Ear Infection Treatment

    When infection is suspected, your doctor will conduct a standard examination to confirm whether the symptoms being experienced are as a result of adult ear. Bear in mind if the initial examination is a little clouded then further tests may be required.

    Bacterial related infections are treated with antibiotics. If infection is diagnosed immediately or you go in to see your doctor at the first sign of symptoms, antibiotics could be delayed. This is because in adults, improvement can occur without the use of medication.

    If the situation doesn’t improve following a couple of days, then a course of antibiotics will usually be prescribed. As with the use of any antibiotic treatment, a prescribed course should be completed from start to finish.

    Viral infections are a little more troublesome to treat. In fact, in some cases, minor surgery could be recommended to help dissipate the build up and drain the fluid.

    While using cotton buds is usually frowned upon by the medical profession, leaving water in the ear from either showering or swimming is not a good idea. The use of an approved flush could be recommended while nasal sprays, which have proven effective as a way of washing out bacteria, can also be effective against infection.

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  • The Growing Need for Senior-friendly Housing in Canada

    As the Baby Boomer generation is aging, and the senior population is growing, the need for senior-friendly housing is on the rise. Josh Crabb of CTV Edmonton reported that currently seniors make up about 15% of Canadian population. By 2036 this number is expected to skyrocket to nearly 24% (CMHC, “2011 Canadian Housing Observer”). Its been noted that a large portion of seniors prefer giving up their family homes in favour of condo living for its convenience, but much consideration and weighting of pros and cons should be done before opting in for a condo lifestyle.
    Pros and Cons of Condo Living for Seniors
    Condo living is attractive to seniors due to perceived convenience and ease of maintenance. In fact, many seniors choose to sell family homes and relocate to condos before they reach the age, when such a move becomes very difficult. Despite a wide variety of retirement homes, home care facilities and other times of senior housing readily available across all Canadian provinces, independent condo living is something a staggering number of seniors opt in for.
    The CMHC report says that condominium projects accounted for one third of housing start-ups in Canadian cities in 2010 and thats up from 29 percent in 2009. Its been predicted that the rapidly aging population will translate into a growing demand for smaller homes.

    The CMHC report further estimates that as the population ages across the country, its needs are changing, thus even smaller communities will need proper facilities to accommodate seniors with disabilities and other medical conditions.
    While both large cities and smaller towns hold appeal for seniors, its small communities where shopping and social amenities are more convenient and easily accessible; they are expected to be largely affected by the aging population. This is why smaller urban centers will need to become more senior-friendly, and urban planners will have to take their needs into consideration.
    Still, Canadas largest cities have a multitude of retirement homes, assisted living facilities, home care options, as well as senior housing communities already available, and the cost of living there is often more affordable. In addition, city living translates into a wider range of social activities, community groups and entertainment to choose from.

    The despite the general trend for condo and assisted living, the CMHC also projects a lot of activity in the home renovations market. Seniors who choose to remain in their family homes will often choose to undertake serious renovations projects in order to make their living space more convenient and easily accessible. Among other adjustments, seniors are becoming proactive by installing ramps and elevators, widening doorways to fit wheelchairs, upgrading bathrooms to include grab bars and senior-friendly bathtubs. Some seniors who live with adult children go as far as adding suite extensions to their homes.
    The aging of Canadian population means that there is an increasing need to accommodate the needs and requirements of Canadian seniors both in areas of housing and urban planning.

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  • Making The Grade Understanding Commercial Property Ratings

    If you’re looking to start up a business in Sydney CBD, one of the greatest challenges is finding suitable office space. Unlike looking for a flat or home, your commercial real estate is critical to your business – location and appearances are everything; but how do you balance the best expensive costs of prime commercial with your operations budget?

    Australia has a commercial property rating system that helps businesses determine which type of property is best suited for their needs. From the most expensive Grade A Sydney CBD locale, to Grade D bare bones facilities, find out what grades of commercial property are out there and what it all means for your business.

    Which Grade of Commercial Property is best suited to your business needs?

    Grade A: Grade A properties are prime locations in highly sought-after addresses. The properties will be in the heart of the financial or business districts and be relatively new or recently refurbished, with state-of-the-art fixtures and fittings. Rents in Grade A offices will naturally tend to be higher, catering to the executive classes of Fortune 500 companies. Traditionally, Grade A property tends to be leased or bought by banks, brokerage houses and high-profile law firms. Meanwhile, with the latest boom in the demand for sustainable and ecologically advanced premises, many of the newest “green” buildings tend to fall within the A Grade. Cities like Sydney always growing and Grade A property is now available in many outside of the immediate CBD to business districts in the City Fringe, including Surry Hills and Pyrmont.

    Grade B: As Grade A property tends to be scarce and relatively pricey, the majority of businesses, especially newer ventures, will opt for Grade B office space. Grade B buildings will be less expensive but include all your standard amenities to make a good impression. Grade B offices tend to be a little bit away from the prime markets, but they could be on a main strip in a smaller city fringe suburb. Smaller law firms, independent investment consultants or doctors’ offices make great use of Grade B buildings. Many cities have Grade B office building clusters near airports or other transportation hubs, but away from the central “downtown” areas and business districts.

    Grade C: Grade C properties are inexpensive, functional buildings. Furniture and fittings tend to be older and buildings are maintained to a lower standard than higher grade buildings. Grade C offices are best suited to call centres, small firms and start-ups and will tend to be older and located farther out of the central business districts. Don’t look for pretty lobbies or plush carpeting in Grade C buildings; these are about function over form.

    Grade D: Grade D office space is the least expensive commercial property grade – and for good reason. Office space in Grade D buildings tends to cramped, furnishings and fixtures are relatively shabby. Most of the space in the facilities will be used for storage or manufacturing. Grade D buildings are well outside the standard business areas, often located in industrial parks. Grade D properties are suited for manufacturing or distribution companies that require large warehouse industrial real estate in Sydney or storage space as adjuncts to office space.

    Meanwhile, some central CBD areas have gone beyond the traditional grading system. Some of the most exclusive property is now considered “Premium” property above Grade A. Look for these at prime locations with “Harbour Views” and exceptional quality.

    Keep in mind that when you pick your commercial real estate, it’s more than just the grade that matters. Consider for example whether you need a store front. You can often go a grade up in your choices by downsizing your space requirements or looking outside the CBD to outer suburbs, such as the City Fringe.

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