As there is only a finite amount of high quality land, it will always be a profitable investment even when the world’s economy appears to be turning upside down. When making a land purchase, always make sure it is a clinical process and not an emotional one. If you can hire professionals such as appraisers, engineers, realtors and real estate attorneys before the process begins, you will save yourself a lot of legal headaches down the line. Follow the tips below and you will hopefully purchase good quality property for a reasonable price.

Aims of Deal

Before buying any piece of land, you need to be 100% sure about the purpose of the purchase. For example, are you planning to build a retail space or office building? If so, is there any real competition in the area? If you are up against established rivals, you will have a hard time defeating them since they have a major head start and the advantage of being known in the area. Before signing on the dotted line, make sure that your plan for the land is a viable one or else you will be wasting time on a money pit.

Location

It is important for your land to be easily accessible by road or else transporting building materials during construction will be a time consuming and costly enterprise. The topography of the land also needs to be thoroughly investigated before making a purchase. It should be obvious that marsh land and low land need to be avoided as it is difficult to build anything safely on this kind of surface. If you want the land for agricultural purposes, it makes sense to check the soil type and quality. When buying land for commercial or residential reasons, it is a good idea to think from a landscaping view when evaluating the area.

Get a Copy of Covenants & Restrictions

You need a realtor or an attorney on your side to find out if there are any restrictive covenants as well as determining what you are allowed to build on the land. Zoning ordinances and regulations will define the way you use the land and you may have to change the zoning to fit your needs. For example, you may be looking at land that is zoned for a retail outlet but you wish to build an office building. Zoning ordinances can also limit the total height of the building or have a minimum parking space limit.

Even when you have reviewed the property, performed a cost analysis and are satisfied that the land you seek is worth the price, there is still the small matter of legal red tape. Never try to buy land for commercial use without a qualified team behind you or else long and costly legal battles could be the result.

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When retailers want to increase online sales, they will sometimes pay a commission to other websites which direct potential customers to their cyber store through a link. However, you can take advantage of this reward by using cashback websites.

Rather than keeping all of the profit, these sites give some of the proceeds to you, meaning you can save huge sums on digital purchases. Therefore, you should check whether you can click through to a company on a cashback site before going direct.

How can you save money?

Normally, you will receive a certain commission on each transaction you make. For example, you can currently receive 3.03 per cent cashback from the Debenhams website by using the link provided on Topcashback.co.uk.

However, you will sometimes be able to take advantage of lump sums. These are often provided if you sign up to a subscription service. npower is currently offering up to £100 cashback to new customers who sign up through Quidco.com.

Receive cashback on the essentials

You can get money back every time you spend on essentials, such as groceries, by becoming a member of a cashback website. Most supermarkets offer £5 to £10 to customers who order their first online shop.

However, you can also take advantage of cheaper groceries by going to your local store. Quidco’s ClickSnap has a range of different offers, such as 40 pence cashback on eggs, which you can claim by sending in a picture of your receipt.

Save money on financial products

If you’re on a debt management plan, it’s likely that you are looking to apply for a new bank account or switch your home insurance provider. Cashback websites can support these types of money-saving exploits further by allowing you to claim commission when you sign up.

However, make sure that the financial product is right for you before applying, and always calculate the overall cost so you can compare properly. Sometimes, it might work out cheaper to go with a company that offers a smaller cashback reward.

Get your hands on gadgets for less

Cashback websites often have fantastic deals on the latest gadgets, meaning that you can treat yourself or buy gifts for others for less. Since these items tend to be expensive, even a small commission can amount to big savings.

Special deals are often available on new mobile phone contracts – Tesco is currently offering up to £50.50 back on the Apple iPhone 5 through Topcashback. However, you can receive rewards on almost any item or service, from photograph prints to flat-screen televisions.

Enjoying days out on a budget

Research from Family Action shows that 44 per cent of British parents cannot afford to throw their child a birthday party. However, a larger proportion might be able to celebrate the special occasion without breaking the bank by taking advantage of cashback websites.

As a mum or dad, it might fill you with dread when your little one asks to go to the theme park or the cinema for their birthday, but just a few clicks on your computer could mean that the dent in your bank balance is less noticeable.

Families who visited attractions during the recent Easter holidays saved £35,000 on tickets through Quidco, so no matter what the event, accessing these websites before planning a day out can be extremely beneficial.

No purchase offers

You could profit from your cashback exploits, as long as you’re careful to read all of the associated terms and conditions. Getting cashback doesn’t always mean an initial outlay – sometimes making money is as simple as clicking a link.

On Topcashback, you can earn £1.51 for a car insurance quote application, secure 70 pence for filling in a survey, or receive £15.15 for signing up for a free LOVEFiLM trial. Look under the ‘Free Cashback’ section of the website for more deals.

If you download the Quidco mobile phone application, you can earn a few pence just for ‘checking in’ at nearby retailers using the GPS system. This money can soon stack up if you’re strolling down the high street.

Are cashback websites right for you?

Cashback websites are normally free to use, and they offer you discounts or commission on everything from loaves of bread and electricity bills to airline tickets and car tyres. It could therefore help you to save money in a wide range of areas.

However, you should always be cautious. You should still shop around, since you might not always get the biggest savings from a cashback site, and decide which deal is the best for you by calculating overall costs of a product or service.

Stef has worked through a debt solution plan with the help of Debt Free Direct, she now writes articles on money saving tips and advice to help people avoid getting into debt; or save money to pay off their existing debt.

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It is an interesting question really; do you think that you could do it? Putting a price on love is impossible, the perfect relationship is priceless. However, how much does it cost to be in a relationship?

There are many people that will have never have thought about this before. They will; not have considered that a relationship will cost any money at all, but in fact research has been done to show that it can cost a lot. Rate Supermarket looked at the cost of dates, holidays, engagement and wedding over a two year period and calculated that on average the total would be over $43,000.

This may seem like a lot of money and you may wonder whether it is actually worth it, with trying to keep another person happy and no guarantee that will end happily. However, kidding aside, it just shows how important it is to put away money from a young age. If you have to pay this out just for two years of a relationship, imagine what life will cost once there are children to support and a home to pay for. It is therefore worth thinking about getting some savings together really early.

If you want to be able to afford a mortgage or even just rent a really nice property, then you will need significantly more money than this. Therefore you will need to start saving up.

It can be difficult saving. Especially if you do not know what sort of future is ahead of you. However, there is a secure feeling in knowing that you have some money put away. Whether you will use it on a relationship or other things in the future does not really matter. Just knowing that it is there can really give you a good feeling. It can give peace of mind and then if you do have a bill or emergency where you need money. It will be there to help you. When you do start a relationship, then you can treat your partner to some really nice things or you can continue to save and get some things in the future. Obviously what you do with it, is up to you but unless you have it in the first place, you will not need to be making this decision.

Financial planning can sound like something that pensioners need to do, but actually the earlier we can get in to good spending and saving habits, the better. We will be much better off in the future if we can get used to be financially clever when we are younger and knowing the best way to handle our money. Then we will know how to use it to our best advantage when we are older and will be more likely to have more of it, when it comes to having to pay for the important things in life such as mortgages, weddings and children. It can seem a daunting prospect but learning financial lessons young can save a lot of hassle when you are older.

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