Buying Property in Malta: Your Malta Real Estate Guide

Properties are always great investments, but you have to consider a few key elements before purchasing—the primary one being location. Over time, the value of your property is going to depend highly on whether it’s in a prime location. This is why a lot of property investors are eyeing Malta. For one, it’s a country with consistent economic growth, and every year an influx of migrants pour in, attracted by its warm climate and low cost of living, which means there’s a high demand for residential properties. If you want to know how you can get started on being a property owner in Malta, read on.

Where to buy?

Malta has three main islands—Malta, Comino, Gozo—and each offers a fair selection of properties for you to choose from. Your decision ultimately boils down to your own lifestyle and preferences. Cities around Malta are closer to a more urban lifestyle, with restaurants, nightclubs, and shopping districts easily accessible. Gozo is closer to a more peaceful village atmosphere. Websites like Frank Salt Real Estate will help point you in the right direction, as it shows various properties for sale in the different cities and towns in all three islands.

What to buy?

Once you’ve chosen a location, your next question may be what property type should you buy? There are various choices, from apartments to farmhouses. Thanks to the massive residential development Malta is undergoing, there is no shortage of options. You’re bound to find a property that falls within your budget.

How much?

Property prices vary wildly depending on location and type, but one thing is for sure, Maltese property prices are on a mad rise.

Currently, the estimated prices for Malta properties start from €150,000 for a studio apartment (or €300,000 for a 3-bedroom apartment) and about as high as €1.5 million for a 4-bedroom villa. These are nowhere near the prices in other major European cities, but it’s still relatively high when you consider that apartment and villa prices in Malta increased by 83% and 72%, respectively, in only a decade. This rise is projected to continue, so this is an opportunity for you to strike the iron when it’s hot and purchase early to ride the prices upswing.

How do I start?

If you’re not a Maltese citizen, you can’t expect to buy property without getting some paperwork settled beforehand. First, you need an AIP permit. You must also remember that foreigners are only allowed to purchase one property in Malta, and these are usually expected to be for your own use.

If you intend to buy property to rent out, there are some restrictions present which you should be aware of, one of them being that the property must be valued above €233,000. There are also a good number of developments and areas – referred to as Special Designated Areas – where no AIP permit is required, and one can also buy multiple properties. After purchasing property, you must then pay a 5% stamp duty.

Buying property is a large investment, and as with most major purchases, you have to research thoroughly to ensure you’ll get a good ROI. If needed, consult with property negotiators so you can get the best deals and avoid any poor decisions.



Caster Wheels: Caster Types

Chances are, your workplace has its fair share of caster wheels. Whether on your office chairs or used to move heavy machinery around your manufacturing floor, these little workhorses are everywhere.

Not all caster wheels are the same, however. Some are made of rubber and others made of steel. Some can carry the average employee, others can carry airplane parts weighing tons. One difference that is less obvious is the design of the caster itself, the piece that holds the wheel. Here are the major types and their common uses.

Rigid Casters vs Swivel Casters

Rigid caster wheels are designed to move either forward or backward. These have no swivel bearing to allow for turning.

Swivel casters do quite the opposite. They are built with swivel bearings to allow the attached wheels to rotate 360 degrees while in motion.

Both of these types have their advantages and specific applications.

Caster Mount Types

Depending on your needs, you can get either rigid or swivel casters in various designs. These designs differ at the point they are attached to whatever it is you want to move and are built to handle a variety of jobs.

Plate Casters

These casters attach wheels with a simple plate on the top of the caster. This is a fairly universal design and can typically have some of the higher weight limits as the plates disperse load better than other designs.

Stem Casters

These are the least expensive designs and attach a wheel with a stem, or solid pin on top of the mount. These typically come with a bracket that you’ll need to attach to your equipment, as well.

This type of mount has the lowest load capacity by design. As a result of the low price stage and capped weight limits, these are the most common type of casters and can be found on most office chairs, small cart setups, and most homes.

Leveling Casters

These are slightly more specialized casters than the previous two types. They typically made with plate attachments and add a leveling option. This can be done a few different ways depending on weight limit and accessibility needs.

These casters are used in a wide assortment of situations that call for the occasional adjustment of the object attached. The increased capability means a higher price tag for this type of caster mount and should only be used when leveling is likely to be needed over time.

Pneumatic Casters

These are among the most specialized casters. When you have to move delicate, fragile, or valuable cargo, these mounts provide the best system for ensuring safety along the way.

They are built with pneumatic shock absorbers that can cushion your cargo against bumps or dips while in transit.

There is a right and wrong tool for every job. Casters and caster wheels are no exception. Do your research before making a purchase.

Save money with these web-based tools for business

While the COVID-19 crisis was devastating, there were some pockets of positive outcomes too. The unavailability of in-person services widened the niche for app-based and self-help kind of solutions. Small businesses are saving a ton of money while getting better results from these free and pay-as-you-go services. Here is a look.


In 2003 founder Tom Gonser created DocuSign to transform how businesses make transactions. Before COVID-19, businesses hired document drafters to create contracts. These were signed by all parties in person. With social distancing this approach became difficult. DocuSign allows firms to prepare, sign, execute, and manage contracts and agreements safely without meeting physically. It is available in 180 countries. Businesses can send agreements in 14 languages and sign them in 44 languages. DocuSign is available from GBP 26.6 ($36). Compare that to the cost of hiring an attorney (GBP 148 / $200 per hour), and you have a clear winner.


Absolute No-Nonsense Admin or ANNA is a UK fintech startup that offers mobile-first banking, financial service assistance, and tax accounting to small businesses and freelancers. ANNA enables small enterprises to run business accounts for incoming and outgoing payments. Users can generate and track invoices, manage taxes, and get guidance to help with taxes. ANNA is free for small businesses with incomes less than GBP 453.5 monthly. It costs merely GBP 18.14 for firms with a turnover of up to GBP 453,554.


Wave is a Canadian award-winning software company owned by Kirk Simpson. Its 100% free app helps small businesses manage accounting tasks for both income and expenses. Businesses can easily design invoices with professional templates. Wave also provides advanced features that allow users to make automatic payments and manage recurring bills with ease. Many small business owners in the UK are immigrant entrepreneurs. Their priority is to send international money transfers as remittances to their families back home. Being able to save on recurring and operating costs is a welcome relief for these enterprising individuals.


H5P is ideal for small businesses which are getting started in the content authoring industry. It’s an open-source eLearning course creation tool that provides authoring architectures. Content creators can insert data in the form of texts, images, and videos. The H5P platform is easy to navigate with simple and clear guides. Users can create more content types including quiz formats, timelines, interactive media, and image hotspots. H5P is conveniently priced with multiple options based on volume of use.


This is a powerful open-source tool for generating tickets and managing processes. The advanced ticketing system of OTRS handles the ticketing needs of all business types. It generates tickets, creates email alerts, and keeps records of transactions. It also allows a plug-in system for ticket barcodes and quick ticket options. OTRS solutions come in Business and Free versions. The price for OTRS Business starts at GBP 3,694.5 ($4,995) yearly for 10 agents. There are also initial consulting and implementation costs. However, users save big on costs in the long run by having their IT helpdesks run OTRS. It improves communication efficiency, offers a platform for strategic management, and integrates seamlessly with other solutions in the work environment. Since the start of social distancing firms are having to connecting with customers online primarily via online helpdesks. Automating administrative tasks using OTRS can reduce the number of employees required to run your day-to-day business operation, cutting recurring expenditure.

Equity Net

Equity Net is a crowdfunding platform for designing and funding business plans. It helps small businesses meet investors. Equity Net has helped small businesses raise over $500 million worth of capital across America since its creation. Business owners can design and publish business plans, then pitch their published plans to those potential investors who are most likely to show interest. is a team of tech professionals that provide 24/7 support to businesses via a remote IT helpdesk. Organizations can immediately connect with experts via virtual house calls, phone, and chat. They help with issues such as computer malfunction, connections to Amazon Echo, removing viruses, recovering lost files, and much more. Pricing starts from GBP 36 ($49) per month for up to 5 staff. It goes up to GBP 258 ($349) per month for up to 50 employees. The service is ideal for small teams working from home. It is helping small businesses save the time and cost of having tech help come and assist on location. also offers a free searchable database on its website, which provides solutions to common tech problems.

About the author:

Hemant G is a contributing writer at Sparkwebs LLC, a Digital and Content Marketing Agency. When he’s not writing, he loves to travel, scuba dive, and watch documentaries.


How Much Money Do You Need to Invest in the Stock Market?

Everyone hears about how profitable the stock market can be, but not many people know if they have enough money to invest in the market or how to even begin. The truth is, depending on where you invest, you don’t need much money to start investing in the market and watching your money grow. There are things that you should be careful about when investing in the stock market, certain signs and triggers might cause you to buy more stocks, sell your stocks, or hold shares until a certain point. Read on to find how much money you need to invest in the stock market and what warning signs you should be looking out for.

Get informed

Doing your research on the market and getting informed is one of the most crucial steps of investing in the stock market. The more information you have on it, the better. This could be joining an investment group, signing up for real time stock alerts, or simply going online and researching which stocks are moving up and down. This simple research you do could be the difference between making a little money and making a lot of money in the market.

Before you invest a single dollar into the market, you need to get informed about exactly what the market is doing. If you’re really looking into doing your research into the stock market, it might be best to find a career in that field so you’re learning about it at work and away from work.

Build a fund

You don’t need much money to invest in the market. In today’s society, more brokerages than ever are helping people with smaller amounts of money begin to invest. These brokerages are offering no commission trades and fractional shares. Both of these can be used for people with lower amounts of money to begin investing in the market and making their money work for them. You could easily start investing with as little as a hundred dollars. You can keep contributing to this fund with small increments of ten dollars or whatever you can get together. Just make sure that the money you invest in the market is money you’re prepared to lose. You don’t want to invest next month’s rent or your grocery money in the market. Save money that you’re prepared to lose and then invest that money.

Find the right brokerage to invest with

Finding the right brokerage to invest with is just as crucial as saving up an investment fund. Almost every major brokerage is offering commission-free trading and offers you the ability to trade right from their app. This makes finding a brokerage and trading so much easier because they all are similar in some regard. Most brokerages also offer fractional shares in their trading so you don’t have to have the entire amount of a stock to actually invest in it. You can have a small fraction of the price of a stock and still have the ability to invest in that stock. Finding the right brokerage is a major key in investing and making your money work for you. If you have a great brokerage with good customer support and all of the features that you need to start investing, you’ll start making your money work for you sooner rather than later.

Is investing in the market difficult?

Investing in the market doesn’t have to be difficult, but it can be if you’re just starting out and don’t know what you are doing. You can lose money and fail at investing if you don’t know where to start. Don’t make investing in the stock market difficult for yourself. Finding yourself a brokerage with a support group or a mentor who knows their way around a stock market is a great way to introduce yourself to the market and start making money with your money. The New York Times suggest that too many people wait to ‘time the market‘ and don’t start investing early enough because of it. Don’t make the mistake of waiting to time the market. Instead, start investing as soon as possible. The younger you are, the more money you can make in the stock market.

3 Don’ts When Getting Arrested

If you are in the unfortunate circumstance of being arrested, you can make the charges against you a lot worse if you don’t respond appropriately. While you may be able to get of jail with the help of bail bonds West Chester PA companies, you don’t want to take your chances on arrest without bail because of your actions. Here’s a quick breakdown of what not to do if you are being arrested.

1. Don’t Resist Arrest

No matter how scared you may be or how false the charges might seem, never resist arrest and run from the situation. This can turn a peaceful routine into something dangerous. Becoming combative, whether verbally or physically, increases the appearance of guilt. It also sets any law enforcement on edge and on the defensive, and in these situations, unfortunate incidents can easily turn to injury.

2. Don’t Get Chatty With Police

It doesn’t matter what they threaten you with or try to tell you. You do not have to speak to them without a lawyer present. Do not answer any questions, and do not volunteer any information. All of it can be used against you. Assert your right to speak to a lawyer and stay quiet.

3. Don’t Believe What You Hear

The arresting officers or law enforcement on the scene have been trained to ask you questions in such a way that your answer could imply guilt. They may state they have evidence or a warrant to search the vehicle or house. If they are asking to conduct a search, they don’t have a warrant. Always assume that you are being strategically questioned, and be on the defensive. Do not consent to a search (loudly and firmly), then remain silent until legal counsel is present.

These three tips can help keep an arrest situation from escalating into something more dangerous. Always remember your rights, and confidently but calmly assert them.

Setting Your Money Goals

You may bе wondering what is thе right investment ѕtrаtеgу fоr уоu, but wіthоut knоwіng anything аbоut уоu, any аdvісе on whісh іnvеѕtmеntѕ are right fоr уоu mау in fасt bе thе wrоng ones. There аrе basically thrее factors thаt determine which are thе rіght іnvеѕtmеntѕ fоr you, thеу аrе:

1. Yоur аgе. Younger people are more likely to be interested in online gaming as this is something that comes to them naturally.

2. Purpose for the mоnеу.

3. Your risk profile

Stаrtіng with уоur аgе. It wоuld bе rather silly оf уоu tо іnvеѕt аll your mоnеу іn grоwth fundѕ іf уоu аrе аgеd 65 because if thе mаrkеt tаkеѕ a dіvе such аѕ wаѕ thе саѕе durіng thе 1987 ѕhаrеmаrkеt сrаѕh аnd tо a lеѕѕеr еxtеnt, the Glоbаl Financial Crisis durіng thе еаrlу 2000s уоu hаvе lеѕѕ tіmе tо recover from thеѕе ѕеtbасkѕ whereas thе уоung оnеѕ hаvе time оn thеіr ѕіdе.

Thе purpose for thе mоnеу is the second fасtоr.

Decide whеthеr уоu rеԛuіrе thе mоnеу in thе ѕhоrt-tеrm, medium-term, or lоng-tеrm.

Shоrt-tеrm would bе uр tо a уеаr.

Mеdіum-tеrm is 1-5 years

Long-term іѕ lоngеr thаn five уеаrѕ

Shоrt tеrm еxреnѕеѕ wоuld bе, a bаnk ассоunt for emergencies, a hоlіdау within a year, dental expenses, or to pay fоr thе kіdѕ ѕсhооlіng for a уеаr.

Medium-term wоuld bе ѕаvіngѕ fоr a car.

Lоng tеrm would bе уоur rеtіrеmеnt fund, ѕаvіng for a house dероѕіt, or saving fоr thе trip оf a lіfеtіmе.

Yоur rіѕk рrоfіlе іѕ a dеtеrmіnіng factor іn whеrе уоu invest your mоnеу. If thе thought оf thе sharemarket tаkіng a dive wіll give уоu sleepless nights then іnvеѕtіng grоwth ѕtосkѕ іn thе ѕhаrеmаrkеt іѕ nоt for уоu. A bеttеr орtіоn wоuld bе mаnаgеd fundѕ whеrе уоu will bе gіvеn a choice bеtwееn grоwth, bаlаnсеd, аnd соnѕеrvаtіvе fundѕ.

It is important nоt to gеt іntо dеbt for there is a соѕt tо dеbt and thаt іѕ іntеrеѕt. Interest аddѕ to the cost оf goods bоught wіth bоrrоwеd money, and this аddѕ uр tо a fоrtunе durіng a lіfеtіmе of bоrrоwіng fоr соnѕumаblеѕ. Thіѕ іѕ саllеd bаd dеbt because the vаluе оf thе іtеm declines оvеr time.

Thеrе іѕ ѕuсh a thіng аѕ gооd dеbt thоugh аnd this is your fіrѕt hоmе because the vаluе оf the property іnсrеаѕеѕ durіng the lіfеtіmе оf the lоаn but even thіѕ іѕ not аlwауѕ a good орtіоn fоr ѕоmе реорlе іf уоu lіvе a kіnd оf trаnѕіеnt lіfеѕtуlе.

“Everyone іѕ tо thеіr own,” ѕо only уоu know whаt mаkеѕ уоu tісk ѕо уоur personal сіrсumѕtаnсеѕ аrе thе dеtеrmіnіng fасtоrѕ whісh gоvеrn where bеѕt tо invest your ѕаvіngѕ.

Yоu muѕt do уоur homework bеfоrе уоu іnvеѕt іn аnуthіng, whеthеr thаt is thе ѕhаrеmаrkеt, mаnаgеd funds, or gоld. Thеrе is ѕо muсh іnfоrmаtіоn аvаіlаblе оn just аbоut everything, and thаt іnсludеѕ fіnаnсе. It is juѕt a matter of lеаrnіng thе rореѕ and hаvіng a fіnаnсіаl ѕtrаtеgу which ѕuіtѕ your personal сіrсumѕtаnсеѕ.

Keeping the End in Mind: The Importance of a Waste Management Plan

Taking care of our individual waste is difficult enough.  Having to figure out what item is disposed of in which container in the office break room has become a complex chore.  Co-workers sometimes joke that you need a college degree just to be able to toss an orange peel.  Just because properly disposing of waste is difficult, doesn’t mean it isn’t worthwhile.  For example, it takes thousands of tiny grains of sand to form a beach, likewise, the small actions we make each day can make a difference.

On a grander scale, having to figure out what to do with waste for an entire company, factory or organization is even more difficult.  Often garbage or waste causes problems and expenses that are not clear at the outset.  In many countries, there are complex regulations that need to be followed in order to do business. In the U.S. it is the US Environmental Protection Agency  (EPA) that governs how waste can be disposed of.

Public perception of an enterprise can also be affected by how that business chooses to deal with waste. Many companies choose to highlight their environmentally friendly practices as part of their marketing campaigns. There is even a term coined to describe the practice, “Green Marketing”.

Strategic planning is required to deal with waste, not just how to get rid of it, but how to manage and prevent large amounts of waste. An ounce of prevention is worth a pound of cure.

As previously mentioned, many jurisdictions and countries have regulations in place in terms of how waste, particularly industrial waste is to be dealt with. With the current complexities and issues of dealing with waste it is no surprise that worldwide, in the year 2025, the waste management industry is projected to be worth $530 billion dollars.

When the amount of waste being dealt with is on a larger scale, an expert or guide can be helpful. It takes a lot of time to become educated enough on the topic of waste management to deal with and navigate its challenges successfully. Taking time and budget into account, it is an area where delegating might be the best solution. Consulting with a  waste management consultant can be an effective way of getting better results in terms of dealing with waste. A waste management consultant will not only help to figure out how to dispose of the waste but will take a more comprehensive approach, analyzing and streamlining an organization’s processes to achieve peak efficiency.

As with all things in business, having a plan can save time, money, and aggravation. When it comes to waste, keeping the end in mind is more important than ever. Dealing with waste is a worldwide issue and finding ways to deal with it is only going to become more difficult. Keeping aware of current trends is vital. Smart business is to get ahead of the issue now by keeping waste to a minimum and adopting new and better practices to deal with and prevent waste.

3 Great Curb Appeal Enhancements for Your Business

Are you a small business owner looking to improve the look of your commercial space? Customers have plenty of choices when it comes to choosing where to stop and shop – make sure that they choose your store by enhancing its curb appeal with these three great improvement projects.

1. Improve the Landscaping

Combat the stereotype that commercial spaces are cold and uninviting by devising a complete landscaping strategy. Plant a combination of blooming bulbs, herbaceous plants and berry bushes to provide year-round color and be sure to take great care of the grass. Instead of spending all your time caring for the landscape, install an irrigation system to take care of the job. Consult with the experts in professional irrigation St Louis to keep your landscaping adequately watered. You’ll be surprised at just how much some landscaping will give your business a more inviting and attractive appearance.

2. Perform Regular Cleaning

Part of creating curb appeal should include keeping the entire exterior of your commercial property neat and tidy. Luckily, you can do this job very easily by using a pressure washing machine on exterior surfaces including walkways, windows and don’t forget to clean your signs, as well. In addition, empty all exterior trash cans daily and hire a cleaning service, if necessary.

3. Address Damaged Pavement

Paved areas, including parking lots and walkways, contribute greatly to the overall curb appeal of your commercial space. What’s worse, even small areas of damage can prove to be a potential liability. If you choose to take on a full replacement of these paved areas, choose a company that offers perpetual pavement installation – it stands up to high use and the elements much better than traditional pavement options.

Investing in the curb appeal of your commercial space shows that you care about a customer’s shopping experience. Follow these tips and you’ll create an inviting atmosphere that customers will remember.

What’s Growing in Your Waterway?

Aquatic weeds can cause a lot of problems in your waterway. Some of the most upsetting issues cause problems for fishing and watersport enthusiasts:

  • Lower dissolved oxygen levels mean that fish and other living organisms in the water can’t get enough oxygen.
  • When water flow is limited, the habitat changes, so it isn’t as hospitable to fish as it once was.
  • As weeds clog waterways, boats and other vehicles have a harder time getting through.
  • A beautiful pond or lake can quickly become overgrown and murky.

Even if you just want a beautiful water feature on your property, it’s important to keep aquatic weeds to a minimum.

There are three basic types of water plants: free-floating, submersed, and emergent. Free-floating plants hover on the water’s surface without connecting to the bottom. Submersed plants are rooted in the soil and sediment at the bottom of the water and don’t reach the surface. Emergent plants are rooted at the bottom of the water and reach the top of the water with growth easily visible on the surface.


Duckweed, or lemnoideae, is a free-floating weed and may require aggressive tactics for removal. This plant is often spread by the birds and mammals living near the water on the animals’ bodies. Although this plant is beneficial for waterfowl and small aquatic animals, it can proliferate to the point that it disrupts the waterway’s ecosystem.


Watermilfoil, or Myriophyllum, is recognizable by its feathery leaves that barely peep above the surface of the water. This submersed weed is a big problem in the North and grows very well in cooler water. This species is highly invasive and requires consistent aquatic weed control.

Water Thyme

Water thyme, or hydrilla verticillate, is an invasive species that has spread from the warmer climate in Florida across the country, reaching California and Canada. This species of aquatic weed presents huge problems in waterways as it displaces native species.

Beautiful waterways require consistent maintenance and weed control. Management programs should typically include visits monthly and quarterly. The more you know about aquatic weeds, the better you can control them.

Do You Need a Texas Real Estate Attorney?

When you’re new to investing, you need to understand when and why hiring a lawyer can help you control your risks before plunging too deeply into financial commitments. The more expensive a real estate transaction is, after all, the more important it is to make sure you avoid foreseeable pitfalls associated with the purchase, and that’s where a real estate attorney can really help. Lawyers who specialize in this area of the law know how to parse complexities around tax debt, third party claims to partial or total ownership, title mishaps, and other issues that can throw a wrench into your purchase.

Hiring an Attorney as the Seller

If you’re looking to sell a property, a real estate attorney is a huge help. To start things off, your lawyer can do a title check to make sure there are no outstanding claims or liens that would complicate a sale. Lawyers are also helpful when writing a purchase agreement or a final sale contract because they give you the option to control the terms of the contract yourself, instead of having to hire an outside realtor to do the work for you. They can also manage the paperwork around the title if you choose, providing you with an alternative to using a title company that still comes with the assurance that a legal professional is protecting your interests. Used judiciously, legal services on retainer can save you a lot of money.

Property Attorneys and Income Property

If you own rental property, then investing in the services of a commercial real estate attorney Austin TX becomes vital. Landlords and property managers very frequently need help with tenant disputes, nonpayment of rent, and the creation of custom lease agreements for commercial lessees. Using an attorney to deal with all of those issues means having professional help who understands your rights under the law.

It’s certainly possible to get into the real estate market without an attorney, but it’s not a good idea to wait too long. The larger and more complex the deals you make, the more you need legal advice on a regular basis to be sure of your position before you close.

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