If you understand where they come from and how to calculate them then you are well on your way to success. Never just scratch a few figures on the back of an envelope make an offer and hope for the best. Cash - the oxygen to keep your investment going If you have a checkbook then you will already understand the term 'cash'. When you want to know the balance in your checkbook, it doesn't really matter where the money came from or where it went. All that really matters is HOW MUCH came in and HOW MUCH went out! You are solely interested in the flow of funds. If you look at a particular period of time (usually over the period of one year) you'll want to know if more cash comes in than goes out. If at the end of that time you can say that you took in more money than you spent, then you had a 'positive cash' for the year. On the other hand if you spent more than you took in then you had a 'negative cash flow'. This means you have to put money in from another source. A property with negative cash flow doesn't provide you with any spendable cash. However, the presence of an occasional negative cash flow does not mean that this is a fatally flawed investment. You may make up the loss in other years or through other forms of return. The potential for a negative cash movement can bring other important issues to attention. If you make your projections and judge the overall investment to be worthwhile, you can anticipate the negative cash flow and take it in your stride. If you don't make your projections with this in mind you can end up swimming against the tide. Remember that payments for operating expenses, debt reduction, or even the construction of additional rental units all represent outflows that reduce your overall cash flow. Investors hope to see a good cash flow from their property because that means the investment is providing some spendable cash each year. Not all properties generate a meaningful cash flow, however, and for those that don't, the next most important basic return is appreciation. Not to be confused with what you wish you could get from your teenage children, appreciation is defined as the growth in value of a property over time. The formula here is just as simple and direct as that for cash flow. My brother and I had attended Kishore M's CFD course 3 years back and within 9 months, we made $80,000 and bought a Toyota Vios for my mom. Just last year, we had attended his forex course and today, we are making money from almost most of our trades on a daily basis. Then this is just from my own experience. Do not believe a word I say until you have read my review. We paid Kishore M over 3000 Sing Dollars for the CFD and forex course and made over 10 times that investment. More than 20 students had volunteered to support Kishore's initiative in making a difference in a developing country like Malaysia and Singapore. I'm glad that he had taught me how to trade because in this recession with the education system that we are all in, we would be just holding a piece of paper(degree) but not have any jobs because universities don't guarantee a job but charge us huge fees. I have recovered all my course fees which I had paid Powerup Capital but if I am jobless, I don't think I would be recovering my university fees. As far as the support from powerup Capital is concerned, Kishore M offers the best support, 2) weekly live trading tutorial face to face with Kishore, 3) online forum where seniors help the juniors, 5) We can log into powerup live trading room every week 6) Online chat support up to 11pm in the night From my knowledge and experience, no one would offer such thorough support. As far as Kishore M's credentials are concerned, he is a certified hedge fund manager. A hedge fund manager knows how to trade every thing from forex, futures, options, cfd, commodity etc. Kishore just happened to teach options first rather than forex since Asia is an equity driven market and people are more familiar with stocks and were looking for ways to hedge their portfolio hence options make a perfect fit not forex. Now with the recession people are looking for ways to diversify their portfolio and are open to learning new trading instruments and forex being one of them. In terms of reputation, my research tells me that Powerup Capital advertises the company using pictures and testimonials in Malaysia the same way he advertises in Singapore. In Singapore, unless and until one can prove the testimonial are from real people making real profits one cannot publish the company in the newspapers. Have you seen any Malaysian forex trainers advertising in Singapore? In Malaysia you can advertise and write whatever you want in an ad and no one would ask for proof. Did you know majority of the forex trainers are Kishore's ex-students who have either learned options or forex from Kishore? To name a few, they are Terence T, Lily Thnieh, David G, and Koomar. So this is just the background of Powerup Capital. Increasing your cash flow through investing in property has always been a popular method for personal wealth building. Think about it: housing represents a consistent tangible need, and as long as people are buying it, it will remain one of the best strategies for increasing personal cash flow and building wealth. The problem is that you can lose LOT of money using real estate if you do it the wrong way. Let's look at a few ways to eliminate risk when using property investments to increase your cash flow.