Real Estate: How To Invest In Them

Surely you have heard of real estate, real estate or, perhaps the English term, real estate . It is the concept with which any physical property related to land or soil is designated.

What is real estate

When we talk about real estate we always refer to goods related to the ground or land. They are also called real estate because they cannot precisely be moved.

Types of real estate

  • Residential assets : these are houses, apartments, farms, condos … that are used to live.
  • Commercial assets : in this case, offices, apartments, premises … that have a commercial or business purpose are included. The location and distribution of these properties are designed to fulfill this commercial function.
  • Industrial goods : these are factories, mines, farms … and, ultimately, all those large spaces – both in space, employees and structures – destined for economic activity.
  • Personal property : or personal investment refers to intangible assets, such as bonds or stocks, which also includes tangible assets such as furniture, clothing, electronics …
  • Real property : where the real estate —or real estate— is located. This concept encompasses real estate and the rights over it, including the possibility for the owner to use his property as he wishes. In other words, real estate is only physical objects, but Real property includes the rights over those objects — rights of possession, enjoyment, control, exclusion and disposition.

How to invest in real estate?

This time we are going to explain 5 ways to invest in real estate , far beyond buying a property.

  1. Buying new construction off-plan : perhaps it is the first option that comes to mind when it comes to investing in real estate. The new promotions are a great bet. New construction pays more and more attention to quality, materials, self-sufficiency and good use of space. It is always a good option if you want to invest some good savings.
  2. Buying second-hand homes to rent : it is another option. Many investors buy houses at very competitive prices, fix them and rent to pay off the investment. It also applies to commercial premises or office buildings.
  3. Investing in real estate through SOCIMIs : If you don’t want to invest a large amount of capital, investing in a SOCIMI may be a good idea. They are a stock exchange alternative to invest in brick. In general, these publicly traded investment companies in the real estate market are dedicated to the rental of all types of properties.
  4. Investing in communities of online real estate investors : it is about investing through an online intermediary specialized in real estate investment. It is a good way to participate in the returns offered by rentals from very small amounts of money. The key to these online companies is diversification.
  5. Investing with real estate investment funds : this is a way of investing in real estate indirectly, also with small amounts. The idea is to participate in a basket of real estate assets chosen by a manager.

As we have seen, the real estate is a good investment opportunity . Far from what it may seem, with the different formulas on the market, you can invest in real estate with little money; although if you have a large equity you can also invest in new construction. In any case, seek the advice of an expert who can help you based on your particular situation.

Who Pays For Common Sick Leave? All You Need To Know

Do you know the difference between a work accident and a disease? And more importantly, who pays for the common sickness leave? and how long can you be off?

In this article we answer these and other questions regarding the common ones and how these can affect you at work.

Common disease, what is it?

A common illness is defined as an unforeseen event or circumstance that can affect an employee and prevent him from going to work due to an indeterminate time off .

That is to say, the origin of this type of illness is a type of contingency that occurs in daily life and prevents employees from exercising their normal work functions. In addition, it implies having health care as they are not ready to work.

In summary, a common disease is a type of alteration of the health of a worker that does not involve an accident at work or occupational disease.

A clear example of a common sick leave can be the flu or a cervical sprain caused by a car accident.

How long can you be for common illness?

A flu and a torn meniscus are common illnesses , but each requires different periods of convalescence to be available for return to work. In other words, the recovery time from the illness is what dictates the sick leave time.

Therefore, those workers who suffer from a common disease that lasts a long time such as a torn ligament can be sick for a maximum of one year as established by the Regulatory Law of Social Security (LGSS ) in its article 172 .

At this point there may be several cases, the first of which is that the worker cannot perform his usual job duties and has to continue to leave.

In this sense , the initial period of one year can be extended to another six months of leave. Another case is that the employee is discharged to join his job.

Finally, the last possibility is that the possibility of offering a permanent disability to the worker is evaluated before the possibility that he / she cannot perform his / her job functions.

Who pays for common sick leave?

From the 4th day is when the payments that correspond to 60% of the regulatory base start and continue until the 20th.

Once the 21st day is reached, the percentage varies and rises to 75% of the regulatory base.

Then it is necessary to assess other percentages that change depending on the type of contract and percentages for agreements and company agreements.

Once you know the amount you are going to charge, it is time to find out who pays you . In the event of temporary disability due to common illness, the first payer is the employer.

The employer is the one that takes care of payments from the 4th to the 15th. It is from the 16th when the payer changes , at this time, it is the responsibility of the Social Security Institute or the mutual, depending on the type of worker.

In general, in the case of employed persons, payments are received with the same frequency as the rest of the previous ones.

As you can see, no one is free from suffering from a disease at any time and although it is true that you are covered with a subsidy from Social Security, the payments may not reach you, especially if you are self-employed. One option to overcome this is insurance for the self-employed or have an emergency fund that allows you to face this type of delicate situation.