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GOLF GRABS BULGARIA!
At the present time there are only three golf courses in the whole of Bulgaria: one at Elin Pelin, near the capital, Sofia, and two owned by Air Sofia. These are located at Ihtiman, opened in 2000, 40km from Sofia, and at Sliven, opened in 2004, 90km from the Black Sea.
Because of the increasingly rapid rise in foreign interest in Bulgaria recently, several more golf courses are proposed. One of these will be located at Razgrad, in the north-east, about 90km from the Black Sea. More are scheduled to open in the next few years: two at Kavarna and one at Primorsko, near Sozopol.
Mountain and ski areas will be represented by a golf course in the ski town of penis enlargement pills Bansko this year, and a very large golf complex between Kostenets and Borovets, the country's foremost ski resort. This is scheduled for 2007, the year of Bulgaria's entry into the European Union, and will be located at Dolna Banya, already near Bulgaria's first golf course at Ihtiman.
Bulgaria Properties Ltd has purchased almost 6 acres of prime development land adjacent to the proposed golf course at Dolna Banya. The plans are to construct about 220 apartments around a comprehensive sports complex, with access to the golf course by a short footpath. The amenities on site are to include tennis, volleyball, squash, badminton, lawn bowls, boules (boccia), shooting, archery, croquet, mountain biking, and fishing nearby. Indoor facilities will include a 140-seat main restaurant and cabaret stage, a huge main bar (perhaps the largest in Bulgaria), a sports bar with projection TV, snooker, pool, table football, table tennis, a Chinese restaurant, Indian restaurant, fast food cafeteria, pizzeria, gymnasium, sauna, massage parlour, clinic, chemist, sports shop and minimarket.
Steve Avery, a Director of Bulgaria Properties Ltd, said, �It may sound like a clich� but we really were in the right place at the right time! After two years in this business, I just couldn�t believe my luck to find such a gem. Anyone involved in this project should make a serious return on their investment.�
GENERAL OBSERVATIONS ABOUT THE BULGARIAN PROPERTY MARKET
On Borovets and Bansko generally, Steve had this to say: �Apart from having ski lifts and ski runs, these two towns are quite different from each other, and appeal to different groups of people. Bansko is an old, traditional residential town with lots of character and no fewer than 180 quaint taverns full of local people singing and dancing to a typical Bulgarian folk band. Borovets, by contrast, is purely a resort, with hotels, modern west European-style bars and night-clubs, caf�s and restaurants. Residential property and holiday homes are therefore readily available in Bansko, but not in Borovets, where the closest you can get is usually in one of the surrounding villages.
�As for property values, Bansko went mad for a period of three months at the end of 2003, with land prices doubling, and then calmed down. Many poor goatherders suddenly found that they were rich. Nothing wrong with that, I say. Since then values have been pretty steady there until now, when they�re starting to creep up again. The reason for this is that the sudden surge in foreign tourists to Bansko has left the supply of holiday accommodation woefully short of the demand. And this trend shows no sign of abating. To try to cope with it, there have sprung up many hotels and apartment projects, but it seems unlikely that even these will be able to satisfy the demand for accommodation for several years yet. As a result, the prices for such apartments range from 1,000 Euros per sq.m. for a ground-floor unit facing away from the mountains, to 1,350 Euros per sq.m. for a top-floor example with a mountain view. Yet, people buy them. I guess, because a 1 bedroom 60sq.m. apartment for �41,000 is still a far better deal than you�d get in Spain. I�ve heard developers claim that 90% of their apartments are sold within 3 weeks! I only hope that we have such luck when ours are released in June!
�In this respect Borovets, again, is different. Although it�s Bulgaria�s first and best-known ski resort, it stagnated for years� until now. The �Super Borovets� project, funded by EU, governmental, foreign and local business sources, is scheduled to run from 2005 to 2009, and will revitalise the whole region around the town to a radius of 10-12km. This has already started to affect property values in the surrounding areas. To give an example, in March 2004 we bought, unseen, a half-acre plot in a village 15km from Borovets. When I visited it, I discovered that it wasn�t suitable for building apartments; so, I put it on the market in August. By November it was sold at an 80% profit � after all costs were deducted!
�I am personally of the opinion that the �Bansko effect� could strike around Borovets at any moment. That�s the reason why Bulgaria Properties Ltd is developing four projects here, and only two in Bansko. We can sell these apartments about 15% cheaper � at the moment, anyway. Borovets must surely offer a better return on investment, regardless of the type of property bought: land, a shack, whatever. You won�t find new apartments easily, though. As far as we know, Bulgaria Properties Ltd is the only developer building them. I don�t, however, expect this monopoly to last for long.
�Bulgaria�s third ski region is at Pamporovo, which, like Borovets, is purely a resort. Funding is starting to come in, but full development, if it happens at all, is likely to follow several years behind Borovets. Its distance from Sofia (a day�s drive) makes it less attractive to visitors from north and west Europe. It is, however, popular with Greeks, because of its proximity to the frontier. One of Bulgaria�s major motorway routes to Greece will pass very close to Pamporovo, and this should boost its popularity, as well as making the Mediterranean Sea more accessible.
�Property values are lower here than in Bansko and penis enlargement review Borovets, but are creeping up gradually. I reckon that Pamporovo is a good long-term prospect; say five to ten years. The only reason why Bulgaria Properties Ltd has no developments here is because I�ll probably have retired before the boom happens.�
How does a mountain area investment compare with coastal properties?
�Significant differences yet again. Until recently, most of the investment was flooding into the northern Black Sea coast resorts, from Varna down to Sunny Beach. The area became very popular as a result of the Bulgarian government�s �Bulgaria the Beautiful� TV campaign back in the �80s, and the subsequent interest of package tour operators. Now that the north is saturated with developments, the interest has begun to creep down the coast. This is causing a steep rise in property values. They are still lower than those in the north, but the gap is closing. An investment in the south should therefore offer a better ROI.
�Don�t expect, though, the ambience of the south to become like that of the north. When I discussed the subject with the Chairman of the Bulgarian Foreign Investment Agency last year � an extremely intelligent and able young man, I must add � he told me in no uncertain terms that he did not want the south to become like the north. His very words were: �We don�t want another Benidorm.� So, prospective property purchasers need to bear this in mind, and balance their desire for more capital growth, or their willingness to accept less, with the different rental market appeal of the two regions, along with their own taste in holidays.
�There is one highly significant factor, however, which very often goes unnoticed until it is too late; and it applies to the whole coast. Most people don�t know that it freezes on the coast in winter. When they see the coastal resorts basking in the hot summer sunshine, it�s difficult to imagine snow on the ground. The entire coast simply shuts down in the winter, and nothing happens. It�s as dead as a doornail. Therefore, rental income can be fairly assured for 15 weeks, possibly 20, plus some odd bits in the shoulder seasons of April and October. The coast has a five-month season from May to September, compared to nine months in the ski areas. Those people buying only for rental income, therefore, would find the mountains far more lucrative.
� �The Times� recently published an article, saying: �Rental yields tend to be better for ski properties than those on the coast because of the longer ski season. You could expect about 12 per cent gross yield for a good ski apartment and about half that on the coast.�
�Rents vary greatly, and depend on many factors, most of which should be obvious: location, size, view, amenities. The standard of finish and the condition of the property can also determine your market quite radically. To appeal to west Europeans, and to command the highest rents, your property must be well finished and appointed, and be in tip-top condition. If it is not, you still have a market for east Europeans, who tolerate less salubrious surroundings because they pay much less, usually about half of the west European rates.
�Generally, summer rental rates on the coast equate to winter rates in the ski resorts, both seasons being about five months. Remember that you also have about four months� additional rent, though at lower rates, during the summer in the mountains. These rates should increase gradually, as the Government programmes to make the ski towns more popular for summer holidays make their mark.
�There are several Bulgarian agencies willing to manage your rental properties for you. Expect to pay about 20% of the rent as a fee.�
What about properties in the countryside?
�Not a serious contender in the ROI stakes, I think. Not if you consider the effort involved. You can pick up property very cheaply indeed in the inland areas, away from the resorts. Almost always it�ll need some kind of work; anything from a face-lift to demolition. There�s often no inner staircase to the bedrooms, no bathroom, and the toilet is in a shed in the garden. This kind of property is great for buyers who want to get away from their homeland, and disappear in the beauty of nature permanently. As a business, it could appeal to self-builders or DIY enthusiasts, prepared to do it for fun, and accept a low return on their financial and physical investment. As for rental income, forget it!�
And the cities?
�Again, there are differences, even between cities. The prime city is, of course, Sofia, the capital. Buy the right apartment here, in the right area, and you can expect a guaranteed rental return of about 12% per annum. The flavour of the month is gated communities, particularly in the south of the city. The diplomatic residential district of Vitosha is one of the best bets. There is a ready demand for luxury accommodation from diplomatic staff and executives seconded by foreign companies, usually on a long-term basis, and this demand should increase as 2007, the year of Bulgaria�s accession to the European Union, approaches. Although you should expect to pay high for such properties by Bulgarian standards, it�s still only the price of a tarted-up Victorian terraced flat in a UK provincial town.
�There�s virtually no market for tourist rentals in Sofia, as it�s probably the least interesting European capital city. It�s also very polluted, although they are trying to clean up their act, ready for EU entry in 2007.
�Plovdiv, the country�s second city, is much more pleasant. It has a quaint old town, as well as modern business districts. It therefore bridges the gap between business and tourism, as far as rentals are concerned. Plovdiv is connected to Sofia by an excellent motorway, on which you can keep the pedal to the metal, if you�re prepared to risk an on-the-spot fine of 50 Leva (about �18).
�Veliko Tarnovo is probably Bulgaria�s most touristic city, with its citadel and mediaeval ramparts. Most people who buy property here do so to make it their main home. The city itself is beautiful, and it has everything a townie needs. Drive a short distance, and you�re in some wonderful countryside. You couldn�t really make a good living from rentals, but it�s the perfect place to retire to.
�There�s one more thing which is important enough to mention: Mineral baths. These exist all over Bulgaria, the most significant being at Narechen, south of Plovdiv, and Momin Prohod, near Kostenets. Scientific studies rank Bulgaria among the foremost in Europe for hydrothermal, bioclimatic and mud treatments, sea cures and other health resources. Bulgaria is a world leader with its exceptional diversity of medicinal herbs and the excellent curative properties of its apian products. Any property near a spa should attract a premium to its sales or rental value.�
Full details about the �Super Borovets� project, price madness in Bansko, golf developments in Bulgaria, and new apartments in Bansko and Borovets can be seen at the Bulgaria Properties Ltd web site www.BulgariaProperties.net. Or you can e-mail advice@BulgariaProperties.net, or call the company at +44 (0)871 226 2296 to order a free 28-page hand-out, or just for a chat, if you prefer. They always have time for you.
How penis enlargement penis enlargement pills review to Check the Status of Your Tax Refund Online
So, you were pleasantly surprised to learn that you review of penis enlargement products are getting a refund on your taxes. Congratulations! The question for most taxpayers expecting a return is, "Where is my refund?"
Check Your Refund Status Online
The easiest way to check on your refund is to ask the IRS through IRS.gov. On the home page of the site, you will see a "Where's My Refund?" link. Using the service is fairly easy. You will need a copy of your tax return to provide the necessary information to get the status of your refund. Specifically, you need to provide your social security number, you tax filing status and the exact amount of your refund. The reason the IRS requires all of this information is purely for security purposes, to wit, the agency wants to make sure it is giving access only to the taxpayer. Again, all of this information should be on your return. If it is not, something is very wrong!
Once you submit the required information, the IRS will provide online results typically showing:
1. That the return was received and is in processing;
2. The expected mailing date or direct deposit date of your refund; or
3. Whether your refund could not be issued because of a delivery problem.
In some cases, the results may alert you to the fact that the IRS is reviewing your tax return because of errors or questionable entries. In such a penis enlargement products case, it is highly advised that you review your return with a qualified tax professional and make absolutely sure that the return will stand up to scrutiny.
How Long Do You Have To Wait Before Checking?
If you filed your tax return electronically, you should be able to access the status of your refund within 48 to 72 hours. Since the return is coming into the database electronically, it should be assimilated into the system fairly quickly. If you do not file your return electronically, you are going to have to wait three weeks or more before the status of your return can be checked. As you can imagine, the IRS is receiving an enormous amount of paper tax returns and it takes time to organize and enter the returns into the system.
How Long Should It Take To Receive Your Tax Refund?
If you are expecting a refund, the time to issue the refund will depend upon how you filed your return. If you filed a paper return via regular mail, you refund should be issued in six to eight weeks from the date it was received by the IRS. Alternatively, if you filed your return electronically, you should expect to receive your refund in three to four weeks. If you elected to have your refund directly deposited in your banking account, you should take one week off of the above estimates.
Cell Phone review of penis enlargement penis enlargement products products Batteries
Cell phones have been a steadily growing phenomenon. In today�s world, owning a cell phone isn�t a luxury � it�s a necessity. This has proved to be true many instances like when the car breaks down in the middle of nowhere. Also it provides a measure of comfort to parents who can contact their children whenever they want. Cell phones have made day-to-day business more convenient and a great take along for vacations. Various accessories to go along with cell phones are constantly being updated. Digital cameras and hand free headsets are two of the most popular accessories.
With all the great reasons why everyone should have a cell phone, it is best to keep in mind that a cell phone is useless if the battery is dead. A mobile phone with no battery might as well be a toy rather than a useful gadget. Most cell phones come with the viz., lithium ion batteries. Almost all the major companies have their mobile phones equipped with these lithium ion batteries. Lithium ion batteries are rechargeable batteries that can run for a couple of years with careful usage.
Nickel penile enlargement cadmium rechargeable batteries give less performance if recharged before complete discharge. Also, these batteries have a smaller life and are not high powered. Alternatively, lithium ion batteries are lightweight, high powered and do not need to discharge completely before being recharged.
Lithium ion batteries are an ideal choice for cell phones and can be modeled for all kinds of mobile phones. Cell phone users must have a power connection to connect the mobile phone with a power cord to charge. The charge can be as little as 5 minutes for emergency usage. Cell phone batteries with the phone, and replacement batteries are available from the manufacturers.
Although research is being conducted top enlargement products to develop nuclear batteries that are far superior to even the lithium batteries, they are not yet available. Current market indicates that the lithium ion batteries are the best choice for all cell phone users.
Family penis enlargement penis enlargement pill Units Are Built on Relationships
A healthy family is built on good relationships. Maintaining good relationships with one's children is not always easy and requires conscious effort and skill. There is much that you as a parent can do to foster good relationships with your children. This includes:
- Making a conscious effort to build and maintain a sound relationship with your children;
- Making time to spend with them; and
- Spending time with them engaged in activates, playing games, having fun and helping them acquire new skills.
1. Providing children with the necessary knowledge, skills and characteristics to achieve success in later life.
2. Producing a bond of love, respect and understanding between parents and children through positive interaction.
The course is essentially a clear and practical step-by-step guide, which positively involves parents with their children - as partners. Children between the ages of 6 and 14 will derive the maximum benefit from the course and parents don't need to have any specialist knowledge of business.
The basis of The Ka-Ching! Business Parenting Course consists of a wide variety of realistic business projects, which parents and children take on together. In the process of carrying out the various projects, children acquire the critical business, financial and supporting skills, knowledge and characteristics in an enjoyable and challenging environment.
The Ka-Ching! Business Parenting Course a very useful, structured way to achieve the three goals mentioned at the start of this article, since it provides a vehicle whereby you can spend time with your children in the context of activity and fun while at the same time teaching your children valuable life skills.
How to use the course:
You will benefit most from this course if you adhere to the following principles:
- Keep your eye on the process not the content of what you child is learning. The experience gained in being part of a business project is far more important than the specific details of what they are doing.
- Keep your long-term penis enlargement pills intention in mind when working with your child. Do not expect your child to be the "perfect little person" or the perfect businessperson - these are long-term goals that take many, many years to achieve. See this exercise as a part of the process of helping your child grow and develop into a well-functioning happy adult.
- Allow your child to make decisions and to feel the consequences of these choices. Children need to feel that they have choices and have control over their lives. Wherever possible allow your children to choose - of course you can encourage them to think about the consequences of their actions and decisions and to make their decisions with full knowledge of what they are doing and the consequences of their choices.
- Build your child's confidence and self-esteem by stressing successes. Success should be measured not by the outcome achieved but by the amount of effort and the amount of learning that has taken place,
- Be aware of the messages and beliefs you transmit to your child about the world. Common messages and beliefs that parents pass on to their children include: The world is harsh. Life is unfair. People cannot be trusted. Life is full of opportunities. No matter what happens you will be able to handle it. People are basically kind and good. Some of these messages are negative and some are positive. What do you want your child to think about the world? What messages do you want to pass on? How are you going to pass these messages on?
- Make time to work on this course with your children. This time should be set aside and should be made a priority.
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