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Important Calculations for Property Investment

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Property investment can be a daunting prospect, even for those experienced investors. Therefore, it is important to make sure your numbers add up. Follow these crucial calculations to discover the potential of your property and how profitable it can be in the future.

Return on Investment (ROI)

Strong returns are one of the biggest indicators to a successful property investment. The larger the return, the more profitable the property has become. Return on investment is a way of working out how much money you have made, compared with the money you have put in. A simple calculation is the annual profit minus any costs divided by how much money you have started with. To put this into numbers:

Annual rent: £5000

Annual costs: £2000

Profit: £3000

Purchase Price: £200,000

Mortgage use: £75,000

Cash Invested: £25,000

£3000 ÷ £25000 = 0.12. So, return on investment is 12%.

ROI highlights how effectively an investment is being used to generate profits.

Stamp Duty

Stamp duty refers to a land tax that is important to consider when purchasing property. In 2014, stamp duty on property purchases was reformed by the government. From April 2016 a 3% stamp duty surcharge was applied to the purchases of additional buy to let property and similarly, the same rate applied for those who purchase a second home. Thereafter stamp duty rates are applied in thresholds. To work out how much stamp duty you should pay on the purchase of your property visit the RW Invest stamp duty calculator.

Capital Appreciation

Capital appreciation refers to the percentage that your property increases over a period of time, helping you to figure out when is best to sell. It occurs when the property invested commands a higher price in the market than originally paid, it allows you to work out how much potential there is to obtain high profits.

In order to work out the levels of capital appreciation, firstly you need to know what the average growth rate in the property’ location, however this would still only be an estimate. There are many contributing factors that affect capital appreciation from advancements in infrastructure and improvements to existing transport links, population growth, and increasing demand for the chosen area. Not one single factor can be seen as an indicator of capital appreciation therefore you must research forthcoming plans in an area in order to gauge the strength of its growth.

Gross Rental Yields

Rental yields are one of the biggest indicators to the amount of returns you are expecting to receive. It is an essential calculation for working out how much income you can make from your property, not including the capital growth. To calculate rental yields, take an annual income and divide it by the purchase price of the property. RW Invest, property investment specialists offer some of the best buy to let properties in the UK, securing competitive rental yields as high as 9%. The higher the rental yield, the quicker your investment will pay for itself.

Let take a closer look at the breakdown,

Annual Rental Income: £6000

Purchase Price: £100,000

£6000 ÷ £100,000 = 0.06

Rental yield= 6%

Exchange Rates

If you are purchasing a property in the UK from overseas, it is imperative that you figure out the current exchange rate as this can largely affect your property purchase price. Exchange rates are easy to find online, but to be sure to keep a close eye on them as they tend to regularly fluctuate. Savvy investors often get the best deal possible on their property investment, providing the exchange rate has been researched properly.

In property, every little thing matters, as the tiniest faults could be detrimental to a prosperous long-term future. This is a key skill for property investors to make sure an investment is worthwhile. Taking all calculations into account can allow you to plan and make executive decisions.

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Student @ Advanced Digital Sciences Center, Singapore. Travelled to 30+ countries, passion for basketball.

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Hooks for industry – what do you need to know

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Construction Machine

In construction, we often find ourselves faced with the need to lift or move very heavy materials and, to this end, the role played by cranes is fundamental.

It should not be forgotten that in order to operate a crane it is essential to be in possession of a crane operators licence and, to do so, it is necessary to be over 18 years of age, pass a medical examination, have a compulsory secondary education diploma, pass a theoretical-practical course given by professionals in the sector, as well as concluding this training with a final examination.

One of the main parts of a crane is the hook, which makes it easier to hook heavy parts safely.

It is important to emphasize that the hooking of these materials must be carried out correctly following an exhaustive protocol since the detachment of these materials can cause very serious and even lethal damage and injuries. This is why these hooks require periodic revisions to check the conditions in which they are, since if they show deterioration or possible cracks, it would be necessary to replace the hook since it is not possible to work with damaged hooks.

The construction sector is very important all over the world, especially for all kinds of commercial and personal projects. The machine par excellence to carry out a work of great calibre is the crane, thanks to all the benefits and advantages that it leaves with it, such as the speed and the possibility of moving heavier elements thanks to the crane hook.

As in everything else, there are different more specific equipment depending on the type of material to be used and the size of the load itself. Therein lies the importance of the hook, which is in charge of ensuring that this material can reach its destination in the best possible way and without causing accidents along the way.

It is the companies contracted for the construction of the infrastructure themselves that are in charge of renting this type of vehicle or, in some cases, if they already have their own, they can save a large amount of money. The heaviest ones can even exceed 40 tons in weight.

What kind of materials can they transport? From pictures, screens, lifts, air conditioning and even essential elements for the assembly or disassembly of various heavy objects, which humans can not manipulate by their own.

However, not everything is as simple as having one of these machines and getting into the cabin. The engineer who is responsible for driving it must be well prepared and have advanced knowledge of what he is doing. No one wants all the work to be thrown overboard by one simple mistake, hence the importance of this person.

In the same way, the fact that all the contracted team is made up of professionals can reduce both the risks and the total costs that are going to be carried out and, if all this were not enough, you will also be making sure that the machinery will be handled successfully and the final work will obtain a better result.

The expert gets a very clear function, review the existing working conditions and know what kind of equipment and material is necessary to meet the needs of the client.

It should not be forgotten that in order to operate a crane it is essential to be in possession of a crane operators licence and, to do so, it is necessary to be over 18 years of age, pass a medical examination, have a compulsory secondary education diploma, pass a theoretical-practical course given by professionals in the sector, as well as concluding this training with a final examination.

Other option is the Elebia auto hooks for industry, that is the automatic hook. This is an innovative hook. It is a device that allows unloading remotely without the need for manual presence of any operator. It has a magnet, sibil lock, which blocks the rotating part avoiding the possibility of loosening.

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ILMAP leads the way in quality for all types of water management hardware

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water management

For over 50 years ILMAP have been developing and refining the technology and materials used in the installation and management of water management. Using the wealth of experience gained through all those years in the field, they have been able to build a wide range of products that meet a huge range of specifications.

Specialising in nozzles, traps, collectors and other accessories, their products have a wide range of application across the production of drinking water and demineralized water, treatment of waste water and filtration and water treatment  for the pharmaceutical and food industry. With so much experience and innovation ILMAP is one of the leading filter nozzle manufacturers in the world.

Filter nozzles for water treatment for industrial and residential uses

Specialists Ilmap – Filter Nozzles Made in Italy provide a wide range of water filter nozzles  and nozzle strainer for water treatment.

Across industrial applications, the products cater for a variety of industries, including electricity  power generation, chemicals and pharmaceuticals, the food and beverage industry and the agricultural sector. But is also developed for domestic uses, such as in home swimming pools, irrigation and water softening filters.

Application can range from industrial water treatment and waste water treatment to water purification and ion exchange systems, all with the highest quality and safety at the forefront of development.

Parts are produced by state of the art modern injection moulding machines, known for reliability  and high standards of finish. Customers are always at the forefront and ILMAP prides itself on offering the best in customer service. With more than 700 m2 of warehouse, supply is assured and delivery procedures set to fixed lead times, so work can be planned accordingly.

It is not only nozzles, ILMAP also produces resin traps that guarantee effective protection against material losses in your system, in materials like plastic and stainless less as required.

Quality products in the best materials for the job

ILMAP has put a huge amount of effort in the research and development of their products over the years combining experience with the latest materials and efficient production processes.

The focus has been to ensure the best quality products, with dimensional accuracy and repeatability in the production time and design. Also a key focus is compliance with standard measurement and the control of the raw materials in production. So confident in their passion for good practices, they will open their factory for both client inspections and for certification bodies to review the procedures and controls.

With a fully functional test laboratory to allow testing of the pressure drop of the nozzles and the correct certifications available, it is easy to have confidence in the products.

Independently certified for guaranteed quality

All products are manufactured with top quality materials purchased from leading suppliers. Polypropylene, PVDF, ABS and masterbatches used are certified by the manufacturer for contact with drinking water according to the main current world regulations.

Even once the raw materials have entered production, and so the raw material certification becomes invalid, the final products are also audited at authorised laboratories gaining the following certifications:

ITALY – D.M. 174 del 06.05.2004

FRANCE – ACS Certification

UNITED KINGDOM – WRAS – BS 6920 Approved Material

“Suitability of non-metallic products for use in contact with water intended for human
consumption with regard to their effect on the quality of the water”

EUROPE – Food Safety Regulation – (EU) 10/2011 & 1935/2004 EC

“materials and articles intended to come into contact with food”.

All offering reassurance for the purchaser in the standards that are applied, especially where the products come into contact with potable water. It is very important for any company involved in the purification or management of water to ensure that their suppliers follow these standards, and ILMAP are well prepared to meet them as part of their core principles of manufacturing.

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Dawn Ellmore Employment reviews the shock defeat for McDonald’s as it’s stripped of its ‘Big Mac’ EU trade mark

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mc donalds europe EU

For more than half a century McDonald’s has been a recognisable brand in just about every country you can think of. According to its website, the chain has restaurants in 101 countries. Its 36,000+ restaurants serve around 69 million fast food fans every single day.

With stats like this, and McDonald’s easily recognised by just about anybody, the recent EU trade mark ruling has surprised many. McDonald’s has just lost its EU trade mark for the Big Mac in what is dubbed a ‘David and Goliath’ battle with a small Irish chain.

How did McDonald’s lose its Big Mac EU trade mark?

When Supermac’s took on the might of McDonald’s in a trade mark battle, it was assumed by many that the smaller chain would lose. While Supermac’s may not be a household name in the UK, however, it’s much loved in Ireland.

Now the largest fast food chain in Ireland, Supermac’s began in 1978 and today has more than 110 franchises and restaurants all over the country. Founded by Pat and Una McDonagh, it was named after his nickname, ‘Supermac’ when he played Gaelic football. They also own Claddagh Irish Pubs & Restaurants through Supermac’s Ireland Ltd.

The EU trade mark battle

Supermac’s has been locked into an ongoing fight with McDonald’s since 2015, when it announced plans to expand into the EU and UK. McDonald’s initially objected to Supermac’s registering a number of trade marks for products and its name. They argued that the names McDonald’s and Supermac’s are too similar and would cause customer confusion. McDonald’s further argued that the Supermac’s brand name is visually too similar to their trade mark.

Supermac’s responded by pointing out that they had happily traded at the same time as McDonald’s in Ireland for more than 30 years with no signs of confusion on the part of customers.

Initially, McDonald’s won a part-victory when the European Union’s Office for Harmonisation in the Internal Market (OHIM) decided that Supermac can continue to trade in its own name within the EU. However, it rejected the Irish company’s trade mark applications for various products and menu items, saying that consumers might “be confused as to whether Supermac’s is a new version of McDonald’s”, given that there are near-identical products sold by both restaurant chains.

Revoking McDonald’s EU trade marks

In January 2019, the European Union Intellectual Property Office (EUIPO) made a decision that allows victory to Supermac’s after all. By ruling that EU trade marks owned by McDonald’s are to be revoked, Supermac’s is clear to expand into the rest of the EU.

The landmark decision went into effect immediately, on the basis that the EUIPO rules that McDonald’s had failed to prove “genuine use” of its Big Mac trade mark as a restaurant or menu item.

Unsurprisingly delighted, Pat McDonagh says: “Never mind David versus Goliath, this unique landmark decision is akin to the Connacht team winning against the All Blacks. This is the end of the McBully. Just because McDonald’s has deep pockets and we are relatively small in context, doesn’t mean we weren’t going to fight our corner.”

How the fight played out

In April 2017, Supermac’s requested that the EUIPO cancel McDonald’s trade mark for ‘Big Mac’ and ‘Mc’. The chain also accused the US giant of “trade mark bullying” by registering and gaining protection for names, but not actually using them to stamp down any potential competition.

On its part, McDonald’s legal representatives provided signed affidavits from high level executives and showed examples of packaging and adverts to demonstrate it serves Big Macs right across the EU, and therefore deserves to retain the EU trade mark for that specific product.

However, the EUIPO deemed this “insufficient” in its judgement. As trade marks are registered at national level and at the EU, McDonald’s does not lose all of its protection for the Big Mac. They also have the right to appeal, which we suspect they are likely to do.

Supermac’s forges ahead

For Supermac’s, all eyes are on the future. Mr McDonagh says: “This now opens the door for the decision to be made by the European trade mark office to allow us to use our SuperMac as a burger across Europe.”

A representative from EIP, an intellectual property law firm, Carissa-Kendall Windless, says: “This decision is a significant one, partly because it serves as a warning to multinational companies that they can no longer simply file trade mark applications without a genuine intention to use it”.

It’s inevitable that McDonald’s will exercise its right to appeal, and it will be interesting to see how this David and Goliath battle goes on this year.

About Dawn Ellmore Employment

Dawn Ellmore Employment was incorporated in 1995 and is a market leader in intellectual property and legal recruitment.

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