Gemstone for Business Success: How to Get Started

One of the oldest minerals in the world–gemstones, are known to rarely depreciate in value. Usually, supply determines the value of gemstones. For example, compared to other gems, diamonds are low in supply, albeit by limited production or companies trying to monopolize the industry, resulting in them being expensive.

You cannot produce natural gemstones, and therefore start-up costs are also high due to the low supply, however, selling these precious gems can be quite profitable.

Making money with gemstones is perfectly feasible, but you’ll need to consider the following helpful tips.

You’d need to be willing to invest your time and your money, leveraged with a considerable amount of patience. Either way, cut or rough, gemstones can be quite costly. It generally depends on the stone, with diamonds and sapphires being the most costly, and aquamarines, tanzanite and topaz more on the lower end.

Travelling directly to where gemstone mines are located in remote locations like Tanzania, Madagascar, Sri Lanka and Myanmar, the cost of rough gemstones will be lower. But make sure you bring along someone who knows gemstones and has a keen eye; or else you might end up paying over the odds for poor-quality gems. And one more thing: The more parties involved in the transaction and shipping of the stones, the higher the price.

Trade shows are a good place to purchase gemstones. In fact, one of the best known is the Tucson Gem and Mineral Show. If you want to make money with gemstones you’ll need to have contacts. Trade shows provide that platform, so don’t overlook this.

Success in the gemstone industry is only achievable over time. So don’t expect things to happen within a month or just a couple of years. Longevity in the business is the key, and you’ll require contacts, experience and a whole lot of patience while your business gains a strong reputation. Be willing to reinvest any initial sales back into the business.

Be meticulous when choosing the type of gemstones you want to sell. Do you want to purchase only a few sapphires at a higher cost, or perhaps buy more tanzanite instead? Your decision should be based on how much money you can afford to invest.

Also make sure you determine the condition of gemstones you wish to sell. For example, you could buy rough gemstones at source like Madagascar, and resell to the United States and Europe at a premium. Or, you could buy uncut gemstones, hire a professional gemstone cutter and retail your merchandise on the retail market. Alternatively, you could buy cut gemstones, mount them onto pieces of jewelry and go as a jewelry store operation.

The highest profit margins come from retail sales, but then the initial capital required may be higher, as you’ll need a gemstone cutter and machinery. And what’s more, gems may not sell as fast as you’d like, and that’ll tie you down in terms of cash flow. And of course, these gems will need certification from an external party like the Gemology Institute of America.

If you decide to go in the direction of selling cut stones, then you need to find a quality gemstone cutter. Your cut could add hundreds or even thousands of dollars to the price tag, or on the flip side, it can depreciate the value of the stone when done poorly. Michael O’Donoghue explains in the book “Gems” that cutting lighter-colored stones like diamonds and pink sapphires requires extra attention than darker stones.

Whatever you do, making money on gemstones requires that you determine your audience. Are you selling to high-end retailers or retailing loose stones online? Or is your target the investor? If your aim is to get into gemstone for business success, select your audience and cater to their needs.

Building a Professional Career Online

The Internet has become one of the vital components of our daily lives. It is not hard to admit that most of our daily activities in life have been touched by the World Wide Web. With that, it is no surprise that a growing number of individuals are already exploring — some enjoying the benefits of having a professional career online, a lucrative and rewarding career right at the comfort of a coffee shop or in their home office in front of their computer.

Creating a professional career online is now possible, thanks to the convenience the internet provides. One can easily start a career in buying and selling stuff online or by simply creating a blog or engaging in freelance writing. There are many careers available online. Here are some of the following careers you can look into online.

Freelance writing


Ghost Writing



Website Design

Video Editing


Find a career that suits your set of skills best and then start creating your online portfolio to get clients and projects to start with. It is advisable to get a reliable internet access, one that runs at least 2MBPs or more to be able to attend to your daily activities on the internet. A lower speed may prove to be stressful when trying to meet and beat deadlines as well as when updating online templates and doing web design. Anything less also fails to meet requirement of clients and freelancing websites. Thus trusted home phone and internet bundles will help make your online freelancing career even more feasible.

Here are some of the tips you can follow to start and build a professional career online.

Create an online portfolio

Before finding clients and trying to land a job online, you need to create an online portfolio. It can be your or a blog under a free hosting platform like Weebly, Blogger, or WordPress to begin with. Include credentials, training, sample works, and a few details about yourself in this page. This can be a simple website with a few pages attached where potential clients can download and read samples of your work. A contact page is also essential.

Build your connections

You have most likely met a colleague who also happens to work online. You can include him as one of your references on your online portfolio. You can also add your past managers and supervisors as references. Be sure to inform your colleagues about them being one of your trusted references online. You can also include testimonials from past clients as well as their contact information to be able to provide your potential clients a reliable source of firsthand information about you and your performance as a professional online freelancer.

It is also important to keep in touch with your past clients from time to time to be aware of possible projects that may be available for you to do.

Update your social media accounts

Social media is also a big factor in building your career and connections online. LinkedIn, Facebook, and Twitter are just some of the social media sites you should have to be able to build credibility and your authenticity as a real individual working online. LinkedIn is a very good source of connections as well so you must really take advantage of the feature it offers. If you would want to keep your Facebook and Twitter feeds private, it would be advisable to have a separate Twitter account or a Facebook page for your business or brand. Past clients can post comments and testimonials in these social media pages as well.

Utilize marketing strategies

Take advantage of the free marketing strategies on the internet for your online business and online services. Post feeds on your social media accounts. Submit guest posts to increase your presence online, write press releases and publish them on free PR websites. Join forums and Q&A websites and the likes. The more you expose yourself and your brand online, the higher are the possibilities of getting clients and projects.

Advertise your business

As you see your business grow, you tend to meet competitors along the way. Advertise your business to create an edge over your competitors. Target your market well and utilize the right keywords to be able to make your business more visible and on top of search engines. This may take time but with the right strategies, you can practically be a preferred choice over similar professional services if you market your business well.

Using Address Lookup For The Benefit Of Your Business

We live in a world where brick-and-mortar businesses are disappearing and online markets are flourishing. If you own an online store, selling valuable wares, it is definitely good news for you. But if you’ve had your share of experience in the market, you must be also familiar with the many downsides.

Think about the many times you’ve sent out delivery boys only to find that you were actually conned. The hope of completing an order and earning some cash turned into an absolute waste of time, effort and money. Had you used an address lookup service, you might have averted the trouble.

So, what is address lookup?

It is simply a process of verifying a postal address. By entering the address into the form, you can obtain details of the person who lives there. It can also tell you whether the address you are looking at is a commercial or residential one. This information is generally sourced from government records. There are many sites that specialize in this service and most offer it free. In most cases, they are restricted to a particular geographical area – state or country.

The good thing about an address lookup site is that it is possible to retrieve this information even if you don’t have the complete address. You can search information by using a building name or a postcode section. To add, features such as auto-complete will give you the best matched suggestions on the basis of the information you have entered. Sometimes, it is as easy as pasting an entire list in the website search tool and hitting the verify button. If you use a postal code, the site displays a list of addresses and you can pick the one that matches it. They update their databases regularly so you can get the most accurate results.

A handful of address lookup sites also have address cleansing features. It includes updating incomplete information or correcting inaccurate data. It is possible some of your past customers may have shifted their place of residence since you last contacted them.

How do you gain as a business?

Having accurate address data is important for the success of your business. Undelivered packages or mail are an expense against your business. You have to pay for delivery or postage as well staff. Address verification using address lookup can avoid time and cost wastage. You can improve your customer experience with timely deliveries. Address lookup services also tell you the postal carrier route the address is on. It will boost staff productivity as eliminates wastage boosting business performance in the end.

Even if you are not a business, you can use address lookup to locate a family member or friend you have not contacted for long. You can use the postal address you have to check if they still reside there or have moved from there.

Address verification is often ignored by most online business and shipping companies. However, a small step can eliminate unnecessary hassles at a later stage. Be a smart business that earns a happy customer with each order delivered.

If you are looking to verify addresses in the United Kingdom, is a free postcode and address lookup service. Whether residential or commercial addresses, you can complete a confirmation successfully even if you have a partial information, building name or a postcode sector. It is as easy as typing in information and hitting the search button.

3 Reasons A Strong Online Presence Will Help You Make More Money

Studies have proven that advertising consistently over time can increase profitability by 30% or more. This is true because advertising helps build brand recognition that ultimately influences purchasing decisions. In our Internet driven world, a strong online presence works like a robust advertising campaign and may be all you really need to make more money and increase profitability.

This is the reality;

The Internet has changed how consumers shop and interact. Almost everyone has access to the Internet. In fact, almost all consumers now use the Internet is some way to shop locally. As a result, using your online presence to advertise and promote yourself and the products and services you offer is more important than ever.

This is why:

The consumer purchasing decision making process hasn’t changed for thousands of years. When a consumer has a need or desire, they search for a solution, then they compare options, make a purchasing decision and a post purchase evaluation.

What has changed over time is how the availability of tools that help consumers work through the process. In our world today the entire process can be accomplished without ever talking to a salesperson or walking into a store. It can all be done online.

The reality is this;

Consumers are in control. There are search engines, social networks, business directories, websites and mobile applications that consumers can use to search for products and services, compare options and get recommendations without moving their eyes off their computer or smartphone screen.

What that means is this:

If you sell products or services, you must get your business listed on as many search engines, social networks, business directories and mobile platforms as possible. Creating a website and Facebook page isn’t going to do much to improve your online presence in the Internet world of today.

If you don’t have a strong online presence, a large segment of potential customers may never even have the opportunity to consider purchasing anything from you, because they don’t know you exist.

A Strong Online Presence Promotes Brand Recognition and Trust

Your online presence can define your brand. People identify with brands. Developing your online presence helps convey a uniform quality, credibility and experience. It will help you define who you are, what you do, and can differentiate you from the competition. Your brand is your identity; it helps you convey trust and develop relationships that lead to customer loyalty and more sales.

This fact isn’t surprising:

Surveys indicate that consumers prefer to purchase products and services from people and businesses they trust. You wouldn’t purchase products or services from people or businesses you don’t trust, neither will anybody else.

This however is really important;

These same surveys indicate that consumers will pay more for the same product or service if it is purchased from a person or a brand they trust. Consumers want to be satisfied with their purchase.

Many studies have been conducted that try to measure how consumers use and react to different types of advertising and delivery platforms. Many of these studies confirm that a strong online presence is important to consumers today. A study by Neilson concluded that consumers now believe branded websites can be trusted more than any other form of advertising other than the personal recommendations from friends and family. Seventy percent (70%) of global consumers now say they completely trust branded websites.

Branded websites are themselves defined and identified by a strong online presence that not only promotes credibility of the site itself, but improves search engine ranking.

This in turn influences purchasing decisions. In other words, a consumer’s trust in the advertising type and platform directly increases the probability that he or she will be positively influenced by that advertising.

Creating a Strong Online Presence is Affordable

Traditional advertising is expensive. More importantly, it’s not nearly as effective as it used to be. In fact surveys indicate that not many people trust the advertising they see or hear on most traditional advertising platforms. As a result, a random advertising campaign on these traditional platforms is generally ineffective.

Think about this:

Consumers are bombarded with advertising messages from the back of sales receipts and coffee cups to highway billboards and online banners. The human brain can only absorb so much information effectively at any given time. As a result, consumers have become very good at effectively ignoring advertising messages that are fed to them that they don’t want or need. This further diminishes the return on investment of traditional advertising campaign.

Currently the most expensive form of advertising is on prime time television and the least expensive in improving your online presence. The cost to reach 1000 people on prime time television is approximately $34 as opposed to $8 for general online presence improvement.

If you sell products and services locally, your ability to develop a strong brand identity may directly affect your long term ability to make more money and improve profitability. Clearly, money invested in advertising, packaging, public relations, sales promotions, word-of-mouth marketing programs, etc., all contribute to developing a strong brand, but given the facts, nothing is more important today than developing your brand online by strengthening your online presence.

Improving your online presence will not only strengthen your brand identity and improve your overall search engine ranking, but a strong online presence will help you get found online, attract new customers, grow your business and make more money.

To learn more go to

Optimize Your Visibility Through Guest Posting Services

Who doesn’t want more traffic to their websites? More traffic to website means more sales, more profits, more goodwill and ultimately more market growth. All these mores can be possible only when you improve and update your SEO mechanisms. Earlier just by using keywords you could enhance your visibility and traffic to your website. However, the new online bloggers and buyers expect a lot from a single click. Hence, many big business houses resort Guest posting services to reach and attain those mores which we talked earlier.

In the older guest posting services format you write an article and get in touch with a blogger who takes your content and post them in various social media networks along with link to your website. The readers on the social media who clicks on link will then be redirected to your website. However, writing a good and quality content was a burden for many. Removing such barriers of the companies, the updated version of guest posting services has been introduced with fewer modifications to the older one.

Under updated guest post servicing, the client can either provide the content or the blogger’s writers can provide the relevant content for the website. The content selected or chosen will be published in various industry related websites and blogs. Readers on social media react to the content through their likes, shares and comments. The friends and other members of readers also get redirected to your website by clicking on the link mentioned in the content. This way the updated version of the Guest posting services is not only increasing the traffic to your website but also increasing the quality of the content posted on your website.

These services in today’s internet world are being viewed as one of the effective and efficient ways of promoting ourselves, our products and services through impressive virtual networks. Hence, they have been viewed as updated and advanced versions of SEO options which were just about improving your visibility in the world of internet. As an updated SEO option, guest posting not only increases traffic but also improves the referral traffic to the website and also credibility. All these features of Guest posting services over SEO add more exposure and awareness among corporate world of these services.

These services have been offered by many professional and legitimate companies around the globe who are committed to deliver powerful services to all their clients which would make them reach their target audience with more focus and differentiation. However, still many firms and individuals struggle to choose a perfect guest post service provider due to lack of knowledge and ability.

Why Individuals Prefer Buying E-Shop Cards From Authorized Online Vendors

Individuals are fond of playing games on their consoles since it provides them with exciting and unique experience. In addition, there are numerous games individuals can choose from that can match their needs. But, in order to obtain these games, you need to make sure that you have sufficient funds on your account. And, the best way to get funds is to purchase e-shop cards. Today, more and more individuals prefer buying such cards from authorized online vendors since they can provide numerous benefits. Below are some of the following.

Save purchasing time

One of the main reasons why individuals prefer buying e-Shop cards from online vendors is they can save time purchasing. Of course, there are instances when individuals badly need cards in order to purchase games for their console. However, they need to first go to game card shops which can be time consuming. It gets even worse if you need to deal with the enormous traffic going to such shops. Luckily, online vendors can delivery card codes on your email which can help you get rid of all the hassles.

Improved security

As of now, there are numerous online vendors that offer e-shop cards. Unfortunately, not all online vendors get their products from manufacturers. Because of this, there are cases when you can purchase fake cards. Or perhaps, cards that have been already used. As a result, your money is wasted on an item that you have not used. By opting for the services of authorized online vendors, you can make sure that transactions are secured. When it comes to security, authorized vendors make sure that their website is equipped with the best safety application to provide the best for their clients.

Different payment options

When purchasing online from authorized vendors, individuals also have the ability to opt for the best payment options. This is possible since online vendors opt for various methods. For one, individuals can pay right from their banks. Next, individuals can also make use of credit cards. Finally, individuals can also make use of the services of third-party payment providers. With all these, individuals can easily pay for the e-shop cards they will be purchasing.

Reliable assistance

Lastly, by opting for the services of authorized online vendors, individuals can attain reliable assistance. When using online codes, some individuals may experience some difficulties on using the codes. So, it is best to seek for assistance from experts. And, online vendors have the skills to handle all of your queries and issues you can experience when using their cards.

These are only some of the main reasons why more and more individuals prefer buying cards from authorized vendors.

6 Factors To Consider When Buying The Best Real Estate Software

Are you into the real estate business? Is it your full time business? Whether you do it part time or full time, you may benefit from some good real estate software. In countries where the property investments are on the rise, real estate software programs can greatly help. If you don’t know how to choose the right app, read the 6 factors explained below.

Evaluate Your Needs

First of all, it’s important that you go for an app based on your criterion. There are software that help you manage rental properly, put money into property businesses or just buy and sell properties. So, based on your requirements, you should narrow down your options.

Set Your Budget

The next important question that you should ask yourself is how much you can afford to spend on the real estate software. Some sellers offer a trial version of their apps. You can avail this offer to try out the software for free. If the app meets your needs, you can go for the paid app as well.

Remember: If you opt for a high-end, expensive app, you should be ready to learn it as it may have complex features that will cost a lot of time to master. On the other hand, simple apps are user-friendly and are easy to use.

Look for Their Website

Reputable developers have a user-friendly website. You should head to their website to get answers to the questions that you may have about their service. Aside from this, on the website, you may take a look at some of the testimonials from the real customers of the product.

Customer Support

After buying any product, customer support is one of the essential things that you expect from the seller. The support will help you solve your issues that you may have after buying the app. So, make sure you will get customer support with your purchase.

The Experience of the Developer

In order to develop a good real estate app, the developer must have a good deal of experience with industry. You can find this information on the website of the developer. You can then dial their phone number or send an email to get the required information. However, they may have some information about their experience on the website as well, which is enough to assure you that they are credible.


How are you going to get the real estate app? Will they give you a product DVD, or give you a link to the download page of the app? Well, the later will save you plenty of time, as you won’t have to wait for the DVD to arrive through the snail mail. Therefore, we suggest that you ask the seller to give a link to download the app from the comfort of your home.

So, these are a few important factors that should be considered when buying the right real estate app for your real estate needs. Hope this will help.

Simple Tips To Identify Fake News Stories Before Sharing

The growth of the internet and social media has made it very easy for fake news stories to proliferate. Whereas some sites are intentional in writing false, but humorous stories, there are some sites that work hard to pass themselves as real and others only see to peddle salacious false tales just to drive traffic and enjoy ad revenue to the sites.

Social media on the other hand makes it very easy for people to spread the misinformation which at the end of the day brings about lots of confusion. It is important to try and verify how true a story is before sharing. Below are a few pointers that should raise an eyebrow that the story you are about to share is fake to save you the embarrassment when the truth comes out.

1. Missing links, references, citations and author

One of the most obvious red flag when it comes to fake news is missing links and references to help you validate the information shared. Popular sites may miss references and citations, but most other sites will have them. You may also find that the name of the author is the story is missing or if it exists, you can’t find anything credible about the author when you do a search on them.

2. The news source has a reputation of shadiness

Where you get news stories should guide you on whether they are true or likely to be fake. The reputation the source of news has can say a lot about its credibility. If a source is known to constantly spread fake news, then it is highly likely that the interesting story you are about to share is fake. Most news stories from such sites or sources will seem just as incredulous when you take a look at them.

3. No other site or news source carries a similar story

If you can’t seem to find anything similar from reputable new sites and websites even though the story seems to be hot news, then something is definitely wrong. Failure in finding anything similar should tell you that the author never did any research or is simply sharing their personal opinion on a given topic and not factual news.

4. Grammatical and spelling worries

Reputable news sources take their time to go through the texts and to actually edit as appropriate before posting them. They actually have proofreaders whose work is to correct all grammatical and spelling errors present. An author who is hastily posting information will not have the time to go through the text over and over to make such corrections. If you keep noticing errors as you go through the text, you are most probably dealing with a fake story.

5. Mismatch between headline and article content

The headline persuades you to believe before you even read and also tells you what the story is about. Fabricated headlines are there to attract attention, but it is best to read through the content before believing. Most fake stories will have mismatching details between headline and the content you actually get.

Why Online Presence Matters for Businesses

Making it big in business can be extra challenging most especially in this digital age. The irony with all the existing marketing and promotion strategies is that it has also made the competition much stiffer and difficult.

Well, big businesses have it much easier because they have enough working capital to spend on print and broadcast advertising. They can also launch massive promotion campaigns among their target audience by conducting events. On the other hand, for small businesses, their resources are quite limited. They can do flyers, brochures, calling cards, among others. However, they would find it disadvantageous to engage into much more expensive advertising campaigns.

The coming of the Internet has changed the playing field drastically. This is because this new information medium has given small and big businesses alike an additional marketing strategy that is not as expensive as the traditional ones. In fact, it is so effective, most marketing and promotion strategies of many businesses are now concentrated on this medium, all exerting their effort to build a massive online presence.

Indeed, building an online presence definitely offers businesses the needed boost in terms of advertising. Here are some of the reasons why building an online presence can be very advantageous to companies:

It allows businesses to become more accessible to its customers. Online presence has allowed businesses to reach its target customers. In the same way, it has made it possible for customers to easily access businesses for possible services or goods that they would need without having to leave the comforts of their homes. This has changed the landscape of consumerism and most people would prefer transacting with businesses that can offer this kind of off-site service.

The online space can become a business’ office space. Instead of spending for rent or purchasing a physical office space, the established website and other social media sites can become an avenue where customers can go and inquire, purchase goods, or avail of services.

The Internet expands the reach of a business’ market. The physical world has so many limitations. A small business in a small town can only cater to its immediate locale. However, establishing an online presence has allowed small Asian stores to sell their goods to people in America without having to spend so much on advertising. Online presence literally opens a portal where business has become boundless almost surpassing geographical limits.

When used effectively, it can complement traditional marketing and advertising. Given that online media has yet to dominate the top-most sought after information media, advertising though print and broadcast still helps in reaching the more traditional customers. And, when used together, they will be able to craft a very effective business promotion strategy.

It can be used as leverage over competitors. If used properly, online presence can help a business boost its reps especially if its rivals in the market do not use this kind of promotional campaign.

However, building online presence is not just about setting up a website and uploading contents to your heart’s content. That is why it is also very important to know the various strategies in place that could be used to effectively boost a business’ online presence.

Advantages of Real Estate Investing

Investing in real estate is as advantageous and as attractive as investing in the stock market. I would say it has three times more prospects of making money than any other business. But, But, But… since, it is equally guided by the market forces; you cannot undermine the constant risks involved in the real estate. Let me begin discussing with you the advantages of real estate investments. I found the advantages as most suited and really practical.


Real Estate Investments are Less Risky

As compared to other investments, less of misadventure is involved in a real estate property. I will not get away from the fact that just like any investment you make; you have the risk of losing it. Real estate investments are traditionally considered a stable and rich gainer, provided if one takes it seriously and with full sagacity. The reasons for the real estate investments becoming less risky adventure primarily relate to various socio-economic factors, location, market behavior, the population density of an area; mortgage interest rate stability; good history of land appreciation, less of inflation and many more. As a rule of thumb, if you have a geographical area where there are plenty of resources available and low stable mortgage rates, you have good reason for investing in the real estate market of such a region. On the contrary, if you have the condo in a place, which is burgeoning under the high inflation, it is far-fetched to even think of investing in its real estate market.

No Need for Huge Starting Capital

A real estate property in Canada can be procured for an initial amount as low as $8,000 to $ 15,000, and the remaining amount can be taken on holding the property as security. This is what you call High Ratio Financing. If you don’t have the idea as to how it works, then let me explain you with the help of an example. Remember that saying… Examples are better than percepts!

Supposing, you buy a condo worth $200,000, then you have to just pay the initial capital amount say 10% of $200,000. The remaining amount (which is 90%) can be financed, against your condo. It means that in a High Ratio financing, the ratio between the debt (here in the example it is 90% Mortgage) and the equity (here in the example it is 10% down payment) is very high. It is also important to calculate high ratio mortgage insurance with the help of Canada Mortgage and Housing Corporation (CMHC). If needed, you can also purchase the condo on 100% mortgage price.

Honing Investment Skills

A real estate investment, especially when you buy a condo for yourself, will be a pleasurable learning experience. It gives you the opportunity to learn and when I went ahead with my first real estate property, I was totally a dump man. Ask me now, and I can tell you everything, from A to Z. Necessity is the mother of all inventions. I had the necessity to buy the property and so I tried with it, and I was successful. I acquired all the knowledge and skills through experience of selling and purchasing the residential property. Thanks to my job. It gave me the experience to become an investor.

Not a time taking Adventure

Real estate investment will not take out all your energies, until you are prepared and foresighted to take the adventure in full swing. You can save hell lot of time, if you are vigilant enough to know the techniques of making a judicious investment in the right time and when there are good market conditions prevailing at that point of time.

You should be prepared to time yourself. Take some time out, and do market research. Initiate small adventures that involve negotiating real estate deals, buying a property, managing it and then selling it off. Calculate the time invested in your real estate negotiation. If the time was less than the optimum time, you have done it right. And if you end up investing more time, then you need to work it out again, and make some real correction for consummating next deals. You have various ways and methodologies, called the Real Estate Strategies that can make it happen for you in the right manner.

Leverage is the Right Way

The concept of leverage in real estate is not a new one. It implies investing a part of your money and borrowing the rest from other sources, like banks, investment companies, finance companies, or other people’s money (OPM). There have been many instances where people have become rich by practically applying OPM Leverage Principal. As I had discussed under the sub head – No Need for Huge Starting Capital, the high ratio financing scheme gives an opportunity of no risk to the lenders, as the property becomes the security. Moreover, in case the lender is interested in selling the property, the net proceeds resulting from the sale of the property should comfortably cover the mortgage amount.