When it comes to a recession, this can actually present fantastic opportunities and rewarding avenues for investors in many different ways and we take a look at some of these below.

With interest rates remaining so low, as at the time we write this they continue to be 0.5%, this is helping to keep the cost of financing residential buy to let property really quite low, because although low interest rates are bad news for savers, for investors looking to finance investment property they are actually really good news. If the cost of borrowing is low and the rental income medium to high, then you can quickly see why low interest rates really are fantastic news for any property investor.

We pretty much all know that The Bank of England has once again confirmed that the UK is back in recession, and it is fair to say that whilst this may not seem a great thing for most of us, it can be for the rental market. This generally means that tenants are more likely to be more financially aware about their decisions and will generally stay in the same property for a longer period of time. This makes renting our properties even more of a safe bet for investors, especially when the rental demand for properties is so high during a recession anyway.

According to various industry reports, rental yields increased by around 0.4% in May 2012, which means that the average rental income is around £700 per month. Of course, this is just an average, but there can be no doubt that rental income across the board has continued to rise, because as with anything in life, when the demand is greater than the supply, you can often set the prices that you want to achieve.

With more and more people turning to renting, especially families that 5 years ago would of probably landed a mortgage no problem, owning properties that you can rent out is now a total winner for investors, especially if you have a decent sized portfolio that all chip in a few hundred pounds a month in income. It also means that rental tenants are staying longer as we mention previously but if you do lose a tenant, there will be many more just around the corner meaning that your property shouldn’t stay empty too long.

Although investing during a recession can have its negatives, it is important to realise that no matter how bad things are, you should still be able to make some decent money as an investor, especially if you make the right choices from day one.

When you think about it it’s truly amazing how far humans have come in their planning when it comes to building their cities and infrastructure. Today we have GPS GIS systems telling us elevations and where the big flood zones are or where they might appear. Generally speaking this works pretty well, and he gives us a really good idea of what is coming in the future helping us predict the 50 year flood, or the hundred year proverbial flood. Knowing this information we know how to build runoff channels diverting the water away from structures in areas where people live.

Not only are we doing this here but they are doing it in places around world, sharing our technology and information in this regard. No, not every civilization listens and there is always some crony capitalism going on and things are built where they shouldn’t be or the warnings go unheeded. Nevertheless things are working out fairly well, but I’d say it’s time to take this to a whole new level, up the ante, and know the future of where the water will go, where the flooding will occur, and how the patterns of erosion will change in that regard.

There was an article in Science Daily on August 11, 2012 titled; “NASA Conducts Airborne Study of Colorado Landslide,” which brings up a very interesting concept that I don’t believe NASA has considered. Let me explain.

It is my contention that we can use fractal mathematics, Stephen Wolfram mathematics, and the NASA studies of erosion patterns, along with satellite photos of the Earth and Mars to develop a relevant predictable set of rational probabilities of future erosion patters, delta river outlet patterns, and in doing so, we can predict where mineral deposits are, and reconstruct the past to such an accurate point as to see it all without time – and easily model the past, present, and future. I am so sure of this that I had to tell you about it.

Being able to do this might help us determine where and how to build a Mars space colony, where the safest place to build a village at the foot of a mountain might be, and use this forensic mathematical data to know those realities without regard to the variable of time. In doing this and using these strategies we will save lives, save money, and save ourselves a world of headache during a natural disaster such as a big flood. Indeed it is my hope that you will please consider all this and think on it.

Decorating for Christmas really is not as hard as it looks. But, there are some basic rules to follow in order to make it easy and worry free.

The living room, dining area, and guest rooms are the main areas you should be concerned with decorating for Christmas. If you focus on these then you will only need to put Christmas Cards up in one area of the house that you haven’t decorated either by tacking or taping them on a wall or back of a door that you normally keep closed. Over the season, be sure you always have Christmas cookies on hand in the kitchen and a Christmas welcome wreath or decoration on the outside of the door where people will arrive. This will alleviate stress when the unexpected Christmas visitor comes.

You have probably heard the saying “Less is More.” Well this is because it is better to have a few quality items rather than a whole bunch of junk everywhere. Stay away from overdecorating, it will prevent clutter and makes tidying and cleaning simpler.

The best time to start decorating for Christmas is around Halloween. So if you start early planning what your theme and color scheme will be, you will have enough time to buy what you need before the end of October gets here. Decorating early for Christmas puts you and your loved ones in the festive mood early on and leaves plenty of time for fun and family for the actual holidays.

The earlier you start shopping for the decorations that you want and need, the bigger variety you will find. And, in most cases, the better the prices will be. Make a list of the rooms you will decorate. Think about your theme and colors. Now start making a list of what you need for each room to have the perfect room or area. You may not know exactly what you want, but you have some idea. For example, you need new hand towels for the bathroom, but without looking around you do not know what’s available. You do, however, know what your color scheme is so you can start looking for hand towels with that color in them.

If you work with a decoration theme along with a color scheme when doing your Christmas decorating, it will pull everything together. Using consistent items from room to room will help. For example, if you use red and green garlands throughout the house this will allow you to keep a feeling of consistency.

Other theme ideas: nautical, kitchen, Victorian, patriotic, music, and nature. I have also seen people pull off Disney, winter wonderland, snowmen, and of course there’s Santa and his reindeer.

By starting early, I am sure that you too can find and buy at a fraction of the cost your own unique decorations to create a special theme and color scheme for the holidays leaving you plenty left over when it comes time for buying Christmas presents.

Having your office professionally cleaned helps you present the right image of your firm. It doesn’t matter whether you own a small shop, or a large multinational company as people form impressions very quickly. If they come into a poorly cared for area with overflowing rubbish bins and a stale smell they may quickly decide they don’t want to do business with you.

Who could blame them. If the working area isn’t properly looked after and kept clean and fresh it will not inspire confidence in anyone. It automatically creates the kind of image you don’t want to have.

In contrast a beautifully kept area will show it really matters to you that everything is clean and neat. It creates an image of a well organized and professional company. In other words the type of organization people want to do business with as they automatically feel safer trusting them to deliver services or products on time.

Keeping everything nice and hygienic will also help you get the best out of your staff. Let’s face it, they are not going to be inspired to work hard in a dirty environment. It doesn’t create the right atmosphere for working in.

Hiring a professional firm will ensure everything is done on time and at regular intervals. The staff will have been trained to provide excellent standards. Work is more likely to be monitored at regular intervals to make sure it is always as the customer expects.

Cleaners can come in at any time of the day and night, and deep cleansing sessions frequently take place very early in the morning. This ensures there is no disruption to the working day. You will almost certainly find your cleaning company can provide you with janitorial supplies at competitive costs.

Everything is done properly so the correct documents are kept and everyone is properly insured and trained. If a place is cleaned at regular intervals a manual is likely to be kept on site and can be requested by the client at any time.

There are numerous different services available, ranging from office, and window cleaning to deep cleansing kitchens. In addition there are a number of other specialist services available, including sanitizing telephones.

Professional office cleaning is one of those things that people often take for granted. This is until the service fails to turn up or lets you down in some way. Then people realize just how important it is in keeping places safe to work in.