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Purchasing a home, especially if it’s the first time, can be an intimidating process, so it’s not surprising that you’re trying to do it right. Of course, timing is an important part of the home buying process, but in the Jupiter real estate market, when is the right time, exactly? Unfortunately, there is no perfect time to buy a home in South Florida, but there are some clues that can help you to make the wisest decision.How Does the Florida Real Estate Market Differ? Jupiter, FL and the surrounding areas like Hobe Sound, Tequesta, Palm Beach Gardens and the Treasure Coast are known as an ideal place to buy a home, not only because of the beautiful weather and proximity of some of the best beaches in the country, but also because home buyers enjoy great features and an impressive return on investment. There are, however some considerations to keep in mind when purchasing a home in Florida.You’ve probably already noticed a difference in the typical home buying “season.” Though the winter months may be a bit of a down time in most real estate markets, it’s a more vibrant time in Jupiter. In fact some make their home in Florida only during the cooler months. It’s also important to recognize that there are some subtle differences in the home buying process because of the coastal location. For example, insurance is a must, but it’s generally lower if you purchase a home built after 2002, so getting the mix of location, home features and timing right is important when you buy a home in Jupiter.Is the Timing Right? The traditional home buying seasons are spring and summer, but these aren’t the only options. In fact, you might have better luck buying your Jupiter home during the off-seasons. Sometimes peak season means that you’ll run into more completion and higher prices. In fact, there’s some wisdom in the suggestion that the best days to purchase a home are during the Christmas holiday season. Whether you celebrate Christmas or not, you’ll encounter many homeowners that are in a festive mood and it’s thought that only serious sellers place their homes on the market at this time.Take a look at the local real estate listings for Jupiter, if houses have been sitting on the market for a while, it might be the time to make your move. If properties are selling quickly though, you might be in a seller’s market, which can raise prices and leave you frustrated. It’s completely acceptable to rent a Palm Beach County home while you are waiting for the right time to arise.Whenever you begin your Jupiter home search, it’s a good idea to work with a real estate pro that is familiar with the local market. The best time to buy may vary from year to year, and even from neighborhood to neighborhood. What’s vital to consider though, is whether the timing is really right for you.Where are Your Finances? You may have great credit and a great job, but that doesn’t necessarily mean that it’s the right time to buy a home. Most lenders will want you to make a large down payment, 20% of the home’s price, in many cases. This isn’t always the case however, and some homeowners are surprised when they learn that they qualify for special programs and down payment assistance. As a first time homebuyer, special assistance may be available to you through state programs, so reaching out to a Jupiter real estate expert for advice on timing isn’t a bad idea.Once you have your down payment situated, you’ll still need to decide if you can afford the monthly mortgage. Before you even begin home shopping, you should have a solid understanding of how much home you can really afford. Monthly mortgage payments should be a large part of your calculations, but you should also keep in mind that you’ll have maintenance costs, homeowners association fees, insurance and other costs associated with the home.If your credit is shaky, that doesn’t necessarily mean that you won’t qualify for a home loan. It can make the process more difficult, however. If you can devote some time to repairing your credit score, it will make buying a home easier, so waiting can work to your benefit.Buying a Home is Highly PersonalThere’s a reason why buying a home is such a momentous experience. It’s a major step! As ready as you might feel to take that step financially, you might not be ready in other ways. Where are you at in your career? Would you consider a relocation, if a better opportunity was offered? Are you considering a marriage or divorce? Are you planning to have children, or do you have children who will soon be leaving the nest? These are just some of the questions to ask yourself before you sign on the dotted line. There are quite a few costs associated with the purchase of a home, so the longer you can stay put in your Jupiter home, the easier the purchase will be on your pocketbook.Getting Started with the Jupiter Home SearchIf the timing is right, we’ll help you get started. It never hurts to take a look at what’s out there when you are still deciding if Jupiter home ownership is right for you.

Dubai is the one of the fastest growing business hub with the state of the art facilities available for local and international business. Dubai is an integral part of business world and is leading with innovation. Dubai is politically stable and has strong economic culture and government of Dubai offer friendly business regulations which attracts the investors from around the world. This article will provide you a Compaq guide regarding business setup in Dubai. Before you start your business in a unbeaten economy like Dubai first you need to under the culture of it. Dubai being an international city is a multi-cultural city, people from all around the world are present in Dubai. After familiarizing yourself with the cultural you must learn about the rules and regulations and kind of the business you can start.Legal structure of business setup in Dubai is according to UAE Federal Law No. 8 of 1984, and after the amendment in Federal Law No. 13 of 1988 – the Commercial Companies Law, and its by-laws regulate the function of foreign business in Dubai, United Arab Emirates. In wide terms the requirements of these regulations are: The Federal Law requires a total local equity of not less than 51% in any commercial business and describes seven categories of business organizations which can be established in the UAE. This regulation explains the requirements in terms of shareholders, directors, minimum capital requirements and business incorporation processes. This law further lays down the requirements of governing conversion, merger and dissolution of companies and businesses.In Dubai, you are given plenty of opportunities; you get benefits of best economy based on strong administrative foundations. Authorities of Dubai have divided the city in different economic jurisdictions. You can start different types of businesses in Dubai bases on type of business and location; types are divided in three main categories which are Mainland, Free Zones and Offshore. Another thing to remember is that Dubai welcomes foreign investment but there are rules and regulations that must be followed. In order for you to enter in Dubai, UAE you need to have sponsor, a sponsor will take your responsibility. Importance of a sponsor can be determined by the fact that for any purpose if it is business or you are just visiting you must have a sponsor. When it comes to start a business in Dubai you are require having a sponsor, any kind of business needs a sponsor or service agent. In mainland a local resident or a of United Arab Emirates based company act as a sponsor, for professional service you need service agent as sponsor and for setting up a free zone business you also need a sponsor, in this case free zone acts as your sponsor.Business setup in Dubai mainland requires you to have a valid license issued by the administrative authority. The name of the authority is Dubai Economic Development (DED); it is a government agency responsible for issuing the business licenses. Renewal of the license, cancellation and up-gradation are also handled by Dubai Economic Development (DED). To ease the investors Dubai Economic Development (DED) operates for different localities, thought scrutiny process of the application is strict but department ensures the quick application processing. In Dubai mainland, Dubai Economic Development (DED) issues four types of licenses, commercial, professional service, Branch office and industrial license.To setup your business in Dubai mainland under commercial license you are by law mandated to have the help from local UAE resident which is also called local sponsor. Local sponsor is by law hold the 51% shares of your business and you will hold only 49% of shares. However you are given full administrative rights. You can draw contracts with local sponsor and allocate a yearly fee for being a sponsor. Local sponsor sometimes work as silent partners. Local sponsor can be an individual or it can be a UAE based company or group.However, if you are setting up a business which involve professional services you don’t need to have a local sponsor, in that case you only need a service agent. Service agent works on your behalf and helps you deal with the local administrative authorities to start your business. You are allowed to hold 100% of your professional business and service agent will only be paid once for the service he offered.Free zones are special economic zones in Dubai which are specially designed to attract the foreign investment. Free zone based business are fully owned by the investor and there are plenty of options to choose with. Every free zone in Dubai has a governing authority or free zone authority. For business setup in Dubai you would need deal with the free zone authority. You may be asked by the authority to provide different legal documents before you finally give the go ahead in form of license by that authority.Free zone offers different attractive options for foreign investors such as you are given 100% of ownership of your business. There are many options free of tax you can avail like no personal income tax, corporate tax exemptions. There are different types of business setup options in Dubai free zones like you can start of your business enterprise as a limited liability company or service provider organizations, there are different licensing options. Business setups in free zones are allowed to perform international trades. When time comes you can easily wind your business. There is less paper work involved when it comes to end your business from a free zone.Offshore is another type of business setup offered in Dubai and has been very famous. Offshore means a business entity setup outside of the resident country in an offshore jurisdiction. Dubai offshore jurisdiction provides number of benefits to your business in terms of asset protection, tax optimization and business expansion. Businesses setup in Dubai offshore jurisdiction must abide the offshore companies rules and regulations and is not allowed to trade inside the offshore jurisdiction.To sum up, after making decision with the kind of business you are willing to start in Dubai you need to deal with the concerned authority. The best way is to hire a professional help. You will be able to find number of consulting firms who are willing to help you deal with the paper work and the authorities. You will be asked by regulating authorities to provide different documents and submit paper work.Here are few steps you may follow, first of all do research and decide the type of business you are willing to embark, choose jurisdiction and follow through. It is recommended to get the help from a professional when it comes to business setup in Dubai. Ready your paper work for the licensing and get a guide on licensing terms and conditions as there are certain activities you are allowed and certain activities you are not allowed to perform. There are license you can choose which allows multiple business activities.

One of the golden rules when buying a trendy fashion garment is to exercise caution because trends are short-lived. You should beware of micro trends in particular because they are usually only around for a season, sometimes less. Ideally, you should buy a trendy item early on in the fashion cycle before it hits the mainstream before it is considered, in fashion circles, to be on the way out. The time to buy into a fashion trend is when the celebrities and models are seen wearing it. The problem is that new up-and-coming trends are hard to get hold of before they hit the mainstream. If you do manage to find a garment demonstrating the latest cutting-edge trend in a fashion-forward boutique then you are likely to pay an arm and a leg for it.The time to wear a fashion trend is when it first hits the mainstream, in other words, when you first start to see it featured in the fashion editorials of magazines and in middle range clothing stores. A middle range clothing store is one that is not a department store or a high-end boutique but one that specialises in fashion garments and accessories. Large department stores selling items other than clothing such as home wares and foodstuffs should not be discounted out of hand, however, as they sometimes carry a fashion-forward line or two which is of good quality but at a reasonable price. Before going out and buying a trendy fashion garment or accessory you should take a look at the trend predictions for the upcoming season in the fashion mags. Fashion magazines will give you a good idea of what to look out for when you are shopping.The other time you might want to buy into a fashion trend is when the particular trend suits your body shape. If a trend suits you, you can go wild unless the trend is an outlandish one. Bubble-skirt minis are a case in point. Even though this trend periodically rears its ugly head, it is not, nor will it ever become a classic and most people look mildly silly wearing them, regardless of how model-esque they may be!

When it’s about differentiating both of them it’s quite difficult to do, as both assist in making investment decisions. That involves choosing MF schemes as well. Both are the enrolled entities and managed by the different regulatory body. As the Mutual Fund Distributor is under and controlled by AMFI ( The Association of Mutual Funds in India). And the Investment Advisors are controlled by SEBI (Securities and Exchange Board of India).Before moving on first understand a difference lets discuss that who are mutual fund distributor and investment advisor is?Investment Advisor- A Investment Advisor is an individual or group who give financing and investment advice. Even manages securities analysis in return for a fee, whether by direct administration of client assets or by written publications. If he has sufficient assets to be enrolled with the SEC is recognised as a Registered Investment Advisor or RIA. Investment Advisors are also known as “Financial Advisors”. He/she do an evaluation of the investor’s assets, liabilities, income and expenses and advise investment plan.Mutual Fund Distributor – They be person or entity facilitating in buying and selling of MF units to the investors. They earn income in the form of commission for bringing leads(investors) for investing in MF schemes. He/she is expected to know the investor’s situation, risk profile and suggest suitable investment plan to meet the investor’s demands.Getting a commission never means that a Mutual Fund distributor is allowed to trade the MF scheme to the investors just to get a commission. Well, the regulations are very severe in this respect.Now let’s discuss 8 points which help in differentiating between a Mutual fund distributor from Investment Advisor.

Paying mode for advice

We all know that mutual fund distributor is enrolled with AMFI, they are usually the executors of your investments. The investor asks the mutual fund distributor to buy/sell MF plans for them. From doing so the AMC gives commission to the MFD. To avoid mis-selling of MF plans the SEBI has directed AMCs. To pay only trail commission by utilising the trail-only model. Also, not to give any upfront commissions or upfronting of any trail commissions straight or secondhand. Even the contests or sponsorships would be recognised as an upfront payment. These investment advisors normally charge a fee rather than get commissions from AMC. So with this change in the industry investors.

Depositary Duty

Distributors differ from advisors in the sense that advisors are bound by depositary duty. That implies they are committed to giving investors with honest advice, while distributors are bound by no such promise.

Examination and Certification

The examination exam for both mutual fund distributor and investment advisor are different. For MFD get a valid certification by the National Institute of Securities Market(NISM). By clearing their certification examination NISM Series V-A: Mutual Fund Distributors Certification Examination. For Investment Advisor a person needs to clear both the levels 2 levels:

NISM-Series-X-A: Investment Adviser -Level 1

NISM-Series-X-B: Investment Adviser -Level 2

The mutual fund advisor must have a certification in financial planning.

Advisers can advise but not distribute

An MFD has a plus point that they can advise for the best MF schemes. They assist an investor to understand the benefits of mutual funds, types of MF and risk factor. They also guide the investor about the MF investment and meet the investors demands. After that, they ask the investor to invest money in mutual funds. They keep distributing the mutual fund’s plan. The Investment advisors give advice on which MF to invest but cannot work as a distributor. Their duty is just to advise. After that its investors choice but distributor make sure that investor does invest in mutual funds.

Duties differentiation

Apart from this, the central focus of a mutual fund distributor is the distribution of the funds. Whereas the job of a MF, the advisor involves various other duties.

Helping the investor change his/her portfolio

Record-keeping

Evaluating risk-taking capacity funds

Choosing the right investment option

Direct plan vs Regular planA Mutual fund distributor will give Investor regular plan and ask them to invest in the same. But the Investment Advisors advice an investor to invest in direct plans. In past the MF had to be purchased under the guidance of distributors, there wasn’t any different option. But in January 2013, SEBI mandated the AMCs to begin direct plans of the mutual funds. This enables the advisors to not only advise investors but also assist them to invest in direct MF plans. Direct plans have a more economical expense ratio than the regular plans. So while distributors may fascinate you towards the regular plans for their commissions, advisors will not.

Take into outline their level of gathering relevant information differs

Recognizing the necessity to find general information about your financial profile, is the base of good financial planning. It is consequently necessary to guarantee that the person you’re trusting with for finances, is interested to ask important questions. Like about your goals, income, expenses, long and short-term goals, assets, liabilities, tax status etc. They must also offer need-based plans to reach your financial goals, rather of product-based advice. While MFD is likely to discuss your demands with products they are commissioned to market. A financial advisor is expected to offer unbiased advice to fit your necessities.

Discussing the factor of risk and returns

This factor is usually discussed by the advisor in a great manner than the Investment advisor. He/she will discuss the risk factors for MF I.e high, low, moderate etc. Then he will look out for MF scheme performance in past years. After that will suggest you invest in the plan. The investment advisor will ask the distributor to convenience the investor to invest in plan particular MF plan they are looking for just to meet their financial need. An advisor would be more interested in evaluating your risk appetite. Also, setting the proper expectation with concerns to returns on investment.ConclusionIt’s quite difficult to say that a mutual fund distributor is necessary or adviser. Both are an important source for the right investment in mutual funds. From the MF regulation view- all persons including companies, who get AMFI certification number (ARN), are mutual fund distributors, from the highest to the smallest. In the way of distributing the MF schemes of different AMCs, they also need advice in many ways – scheme selection, asset allocation, tax planning etc, all in the scope of MF schemes. So its all investor choice that he directly wants to contact a distributor or want advice for mutual funds.’Invest today – Enjoy tomorrow’!