E World Holdings, Real Estate Investing, Real Estate Markets

Creating a Positive Company Culture

With a majority of people’s lives spent working, creating a positive company culture and work environment is more important than ever. At E World Holdings, we pride ourselves on building a strong sense of camraderie between clients and employees alike. With a team of investors consistently working on high-end deals and investment portfolios, it can breed stress, making it essential for us to build a team capable of support each other.

Given that toxic work environments can impact all aspects of a person’s life, it becomes essential for companies to take the initiative to step up and work on harboring a more positive company culture. As companies work to create this positive atmosphere, the benefits that the company will reap because of this decision will be countless.

From the Top Down

It is highly important that those in leadership roles take charge and promote a positive company culture. The tone that is set by those leaders can help to provide an example of what the company stands for, and the type of positivity that the company wants to promote. Studies have shown that promoting a positive company environment has numerous benefits including: a more actively engaged staff, stronger relationships among workers, and a better work ethic. When a positive work environment is provided there is also a far lower turnover rate in employment.

How to Implement a Positive Corporate Culture

Improving the workplace environment can be done in many different ways, but it all starts with an open and positive line of communication. Expressing gratitude and appreciate for one another in the workplace helps to let every employee feel valued. Being aware of the kind of attitude that’s brought into the work environment also helps to maintain a positive company culture. When a person is aware of any type of negative attitude that they are bringing in they can easily correct it so it doesn’t impact the work environment.

Being supportive of other coworkers and lending them a helping hand when they need it also helps to build a better overall company culture. Providing compassion and understanding for a coworker who is struggling or having a bad day can go a long way. Making each person feel like they have a purpose and play an integral role in the company, it helps to build a better place to work. Learning the strengths that each worker has and knowing how to play to those strengths helps to create solid team within the company. Each of these components play a key role in helping to maintain a positive company culture.

E World Holdings, Real Estate Investing, Real Estate Markets

A Guide to the Fastest Growing International Real Estate Markets

Real estate investing is popular throughout the world, but some countries are experiencing more growth than others. As prices all over the world peak at staggering rates, it’s essential to understand which markets give offer the most stable and substantial profits. The latest analysis indicates that Germany leads the international real estate market, though several other countries are remaining competitive in the market as well.


In looking at the global housing market, Berlin earned the coveted number one position on a list of 150 top growing cities. Overall, the housing market has slowed in many countries, but, for Berlin, there has been a rate of 20.5% price growth. Real estate analysts suggest this growth is due to a population boom and low unemployment, as well as greater interest from foreign investors. Three other cities in Germany also made the list: Hamburg with 14.1% price growth, Munich with a 13.8% increase, and Frankfurt for its 13.4% growth percentage.


This small country also ranked high on the list, coming in at the number three spot. Last year, Ireland made the list for experiencing 7.3% growth, but the country has even beaten its own record this year with an 11.92% growth factor. This remains consistent with a trend that has been affecting Ireland’s housing market over the past few years. In 2013, their market showed a 6.32% growth rate, followed by 18.26% in 2014, 7.04% in 2015, and an 8.98% price growth rate in 2016.


Also showing record growth, Iceland saw their largest increase since 2005 with a 12.88% price growth for last year. Experts attribute the impressive increase to greater than average levels of tourism, as well as to a limited availability of real estate in the country. During the last quarter, there seemed to be a lull in the market growth for Iceland, as their price growth fell by a 1.11% rate.

Hong Kong

Hong Kong led the Asian real estate market and showed their largest growth rate yet with a 12.81% increase in housing prices. While this is the largest increase, Hong Kong has been experiencing regular growth, since 2013. In that year, they exhibited 3.3% growth, which was the lowest rate in recent years. Subsequently, the country showed 6.61% growth in 2016, 0.11% in 2015, and a growth rate of 8.22% in 2014.

As the internet opens us up to a global marketplace, real estate markets will continue to attract international investors. With that will come a change to real estate markets and how they grow. It remains to be seen how the markets will change in coming years and if Germany has the capacity to continue to dominate the international housing market. In the interim though, investors need to stay diligent.

About E World Holdings: E World Holdings stands as a premier international investment firm, predominantly focused on real estate development. Starting in multifamily, single family and commercial properties in Malaysia and finding great success, the father-son duo behind E World, Troy and Shiva Narayan expanded. E World Holdings currently manages a host of ventures that span the globe, with a large focus dedicated to the Malaysian, Venezuelan and Dubai real estate markets.


Real Estate Investing and the Terms You Need to Know | Part 2

Last month we kicked off a series on real estate investing terms you need to know. We continue it this month with a few more words and acronyms that can help you make educated investments and have a better understanding the industry.

Operating Expenses

As James Kobzeff defines it, “Operating expenses include those costs associated with keeping a property operational and in service. These include property taxes, insurance, utilities, and routine maintenance.” Depending on how you structure your real estate investment, tenants sometimes cover utilities. That being said operating expenses refer to the ‘business’ end of it and does not include your initial down payment, mortgages, and etcetera that don’t pertain directly to keeping the property profitable and maintained.


Lenders use DCR or Debt Coverage Ratio to gauge how much or if a property’s rental income covers the monthly payments on the mortgage. It’s a means to ensure whether or not the buyer will generate enough revenue to pay them back and confirm that it’s a sound loan for them.

As Ken Horst says, “It’s calculated by dividing the NOI by the total debt. Ratios of 1.20 and higher are considered average.” It’s another helpful way for potential buyers also to confirm it’s a smart investment for them. In certain cases though, an investor may still purchase a property with a less than ideal DCR because there’s potential for expanding the property or it’s projected to rise in value over time. No matter the case, a poor DCR signals a riskier investment which is important to keep in mind.


Net Operating Income or NOI pertains to rental properties. To find this number take your yearly rental income and subtract the operating expenses (As a reminder, this doesn’t include a mortgage). Typically, investors and landlords calculate NOI annually. As Kobzeff says, “NOI is one of the most important calculations to any real estate investment because it represents the income stream that subsequently determines the property’s market value – that is, the price a real estate investor is willing to pay for that income stream.” NOI becomes the building block to calculating the Cap Rate and DSCR.


CCR refers to conditions, covenants and restrictions that are described in contracts, and explain what actions will and won’t fall into each parties’ set responsibilities. As Ken Horst explains, CCRs apply to a few different situations. Be it purchasing or renting a property, CCRs apply.

For example, pet policies and limitations would fall under this category be it an additional expense to the tenant or a size or breed cap based on the animal when it comes to rental agreements.


Real Estate Investing

The Real Estate Investing Terms You Need to Know | Part 1

As you begin to dip your feet into the real estate investing field, you might notice that a lot of acronyms and terms are thrown around that aren’t widely understood by the general public. As a result, it’s important to define these conditions in order to help you make an educated decision when it comes to your investment. As a result, we decided to compile some terms and their definitions to help you with your next investing venture.

Cash Flow

We can start simple. Cash flow can be easily defined as the income based on the property. There are a few additional factors that cause variations in how we estimate cash flow. Typically, investors are focused on the before-tax cash flow or CFBT. As described on Wikibooks, “When you know the cash flow, you can figure your return on your investment, calculate the tax shelter, and evaluate the investment, in other ways.” Cash flow, for the most part, is relatively simple to calculate with little to no real estate investing experience, but it is essential to know this to make an informed decision.


As Ken Horst explains, PITI stands for “Principal (P), Interest (I), property Taxes (T) and Insurance (I). This is basically the “bottom line” or the minimum you need to calculate when thinking about purchasing an investment property with a loan.” This amount is usually calculated on a monthly and overall basis so investors can calculate their expenses and the overall profit they need to bring in or leverage in order to pay for the property. By understanding these costs, you can better gauge the loan you might need or the price you need to charge for rent each month.


Gross Scheduled Income and Gross Operating Income go hand in hand, but it’s important to remember that the two are not interchangeable. GSI refers to your optimal income if everything went accordingly and you never experienced changeover periods. As James Kobzeff describes it, “GSI is the annual rental income a property would generate if 100% of all space were rented and all rents collected.” Unfortunately, GSI is not a perfect means to estimate your income, because renters don’t always pay on time and apartments sometimes go unrented for extended periods of time. You can think of GSI as the goal and GOI as the actual amount. Kobzeff goes on to say, “Consider GOI as the amount of rental income the real estate investor actually collects to service the rental property.” This number includes the amount lost due to missed payments and other extraneous cases as well as additional income sources related to the property like laundry or vending machines.