Real Estate: Properties

Lack of, or absence of capital, is a common excuse among people who cannot go into business or invest for future income, although they are fully convinced that having their own business or investing in profitable ventures is the road to prosperity, or at least a source of supplemental income. Taking out loans to finance a business venture or to invest in the stock market is costly and risky. Costly because the investor is already saddled with interest payments even before the business takes off. Risky because very few businesses produce profits at the start; often, entrepreneurs usually strive to break even at first before thinking about making profits. Also, losses and even shutdowns are realities that would-be businessmen should consider. If loans are necessary to start a business, then these should be supplementary to "internal" funds, or the investors' own money. If the business loses or is closed, then the burden of paying creditors is not so heavy compared to a 100-

Together with Stray Interactive, the digital agency of the Ayala Land Residential Business Group, is now recognized by an international award giving body. The Communicator Awards is the leading international awards program honoring creative excellence for Communications Professionals. Founded by communication professionals over a decade ago, The Communicator Awards receives over 9,000 entries from companies and agencies of all sizes, making it one of the largest awards of its kind in the world. The Communicator Awards provides winners and their clients the recognition they deserve and gives communications and creative professionals proof and validation that their work is outstanding and highly regarded by their peers. The Communicator Awards provides an equal chance of winning to all entrants regardless of company or agency size and project budget. The Award of Distinction is presented for projects that exceed industry standards in quality and achievement. The 16th Annual Communicator