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4 Things to Keep in Mind Before Investing in Real Estate




invest in real estate

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Investing always requires a check and balance, where you weigh the pros and cons of your decision. You want to make sure that despite the risks of investing, you’ll be able to keep any potential loss at manageable levels. Needless to say, investing is a financial milestone where the goal is to make some return on the capital that you put into a particular project.

The same is true if you’re thinking of buying a property. You must know what real estate mistakes to avoid so that you can make the most out of your investment. With that said, here are four things to keep in mind before you get into any talks with your realtor.

1. Identify the source of your home loan

Shopping for a new home for your family can get you excited, but don’t let your emotions get the better of you. Stay focused on following a step-by-step process in buying a house, the first of which is to make sure that you’re qualified for a housing loan.

The loan you’re getting should be enough to cover the entire cost of the property, or else, you might end up taking out loans from other sources that you can’t afford to pay later on. When it comes to real estate property, your best loan options may be a bank, property developer, or credit union.

2. Try to negotiate

One way for you to get the best deal for your new home is to negotiate with your developer. You shouldn’t hesitate to bargain over discounts, fees, or other development charges so that you can get significant savings in what’s probably the most important purchase you’ll ever make in your lifetime.

You don’t have to associate negotiations with hostility or disagreements if that’s what’s keeping you from trying to negotiate. In fact, home sellers are trained to handle negotiations in a way that’s fair for both parties.

3. Look at the true potential of a property

As a homebuyer, it’s understandable to be concerned about the physical or aesthetic aspect of your target property. However, it’s equally important to look past details that aren’t really essential in determining the real value of the home.

Instead of focusing on wall colors or cabinet placements, for example, other more serious considerations you need to be thinking about may include the property’s location, accessibility, security, community development, and the like. These things add more weight to a peaceful and enjoyable life that you want to have as a homeowner.

4. Do extensive research

Studying your options in home buying not only allows you to compare prices or deals, but it also educates you on other aspects of home ownership. Through research, you can learn the advantages and disadvantages that a particular style of housing brings to you.

Research also allows you to dispel misconceptions that you may have had earlier. Answers to questions like what happens to your condo in 50 years, or why you need a broker to help you look for a home should be clear to you before you sign on the dotted line.

Home buying doesn’t need to put you into so much trouble that you have to wait it out before finding the perfect home for your family. Use these tips to get you started on the right track the soonest.

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[Infographic] More Than Money – How to Plan for the Life You Want




How to Plan for the Life You Want

Financial Planning is much more than money and investing. A great financial plan will shift your focus from the goal to the journey. Setting goals that result in your missing out on life now in order to achieve some nebulous, future better life, is not the road to happiness – instead, set goals that simply set the direction, so the pursuit itself gives you the life you want.

This infographic from will help you to get started planning for the life that you want.

More Than Money – How to Plan For The Life You Want

Financial Planning How to Plan for the Life You Want

2 in 3 Americans aren’t confident about their finances.

Most feel their relationship with money is

  • 36% Positive
  • 33% Worrisome
  • 45% Stressful

The Basics of Good Money Management

Those with a financial plan are 2x more likely to make progress toward their goals and the lifestyle they want

Most Americans

  • 79% Are debt-free or actively paying down their debt
  • 65% Have emergency savings
  • 48% Save at least 5% of their income

BUT, less than half have a savings plan and goals

  • 2 in 5 have never had a budget
  • 2 in 3 easily overspend when using a credit card
  • More than 1 in 3 spend more than they save

Simple steps, like creating and following a budget, can transform your financial future.

Replace bad spending habits with spending that aligns with your goals

The Benefits of Budgeting

Consumers feel better about their finances when following a budget

Consumers with a budget feel

  • In control: 62%
  • Confident: 55%
  • Secure: 52%

Consumers without a budget feel

  • Out of control: 19%
  • Worried: 18%
  • Stressed: 17%

Align Your Investment Strategy and Your Preferred Lifestyle

  • The wrong Asset Allocation can be a roadblock to living your best life
  • 40% of Americans don’t know how their retirement investments are allocated
  • 75% aren’t sure how much much they should be saving
  • Millennials and GenXer’s are less invested in equities than Boomers – and may find their retirement portfolios are underfunded

A key component of Financial Planning

Create goals that simply set a life direction – if done properly, the pursuit itself gives you the life you want.

What Are Your Financial Goals?

Start by setting goals that will give you the life and career you want

Ask Yourself

  • How do I want to spend my time?
  • What career would make me jump out of bed each day?
  • Who do I want to spend more time with?
  • What would make me excited to learn?

Become More Money Savvy

In 2019, Americans top financial goals were to

  • Save more money: 36%
  • Pay off debt: 23%
  • Stick to a budget: 18%
  • Increase their income: 15%

Navigate Life’s Transitions

  • Paying for College
  • 97% of parents plan at least some of their child’s tuition costs
  • On average, they plan to pay 70% of total costs
  • BUT, they’re on track to cover just 29% of that goal

Use Your Money to Improve Your Life

Money Can’t Buy Happiness, but it can buy you more time

  • Reducing Stress from hectic lifestyles
  • Freeing up time for things that bring joy

“Time is more valuable than money.” – Jim Rohn, Author of The Art of Exceptional Living

Saving for Retirement

Less than 2 in 3 Americans are confident they can afford comfortable retirement. BUT, only 15% have a written retirement strategy.

Buying A Better Lifestyle

Tech to Free Your Time

  • iRobot Roomba & Braava: Automatic vacuum & mop you can control from your phone
  • Alfawise Magnetic: Clings to windows using suction to clean beyond your reach
  • AppBot Riley: Travels around your home using motion detectors, infrared, and a built-in mic to detect security threats a traditional system might not see
  • Worx Landroid: Mows your lawn every day and automatically returns to the charger — it’s even smart enough to skip mowing on rainy days
  • Dolphin Nautilus: Automatically vacuums and scrubs your pool to keep every inch clean and ready for a swim

Apps To Improve Your Life

Household Chores

  • Plowz & Mowz: Lets you book and manage outdoor services like landscaping, lawn care, snow removal, and more
  • Rinse: Picks up your dirty laundry and handles washing, dry cleaning, repairs, and more — they’ll even drop off your old clothes at a local charity

Personal Assistant

  • Fancy Hands: Gives you instant access to a team of assistants – ask them to do anything from finding a party venue to planning meals
  • Google Duplex: Adds a new AI feature to Google assistant — Duplex can call restaurants and arrange reservations on your behalf

Pet Pampering

  • Wag!: Offers dog walking, daycare, overnight pet sitting, and drop-in visits for your dog or cat while you’re away
  • Rover: Offers care for dogs, cats, and small animals, including dog walking, house sitting, and mobile dog grooming

Everything Else

  • HelloTech: Provides installation services and 24/7 tech support for smart home devices, entertainment equipment, home offices, and more
  • From assembling furniture to making deliveries, these apps will let you hire someone to take on almost any chore: TaskRabbit, TAKL, Thumbtack

Smart financial choices lead to more life choices

Financial Planning can help show you possibilities beyond money and investing
67% of people think working with a professional would have a BIG impact on their financial security and confidence.

Just 17% hire a financial planner.

You are one decision away from creating a life you love.

Infographic Source



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4 Reasons Millennials Should Invest in Real Estate Now




4 Reasons Millennials Should Invest in Real Estate Now

If you’re born between 1982 and 2004, then you’re a certified millennial. Whether you’re now in your mid-20s or late 30s, this is the age in which you may be establishing your career or managing a business to your name. This only signifies that you now have the means to go into the investment market, which is a great way to grow your fund and assets.

Even better is the fact that you have a whole range of options on where to put your money, one of which is real estate. As a traditional form of investment, real estate provides you with tangible property assets that you can acquire at a cost you can afford, especially now that home prices remain quite steady. With that said, real estate can be a good investment option that you should explore in these times.

Here are more reasons why your generation of millennials should invest now, with a special focus on real estate:

1. Real estate serves as a source of passive income

Passive income refers to the money you earn even if you’re not working for it. It’s the opposite of working in a 9-to-5 job, where you get paid every 15 days or so, depending on the compensation method in the company you work for.

With passive income, you’re able to generate money in the form of rentals. You could buy a home or a building and rent it out to other people or companies who can’t afford to buy their own property yet. You may dictate how much rental fee you’re going to charge to your tenants, especially if your property is located in a strategic place, such as those near schools, hospitals, or commercial centers.

Month after month, you just wait for your income from rentals, making real estate really helpful in giving you return on investment (ROI).

2. Buying real estate offers more practicality than renting a property

Owning a home is the goal of every worker or entrepreneur. Needless to say, you can’t accomplish this goal if you choose to rent a property since there’s no way it will be yours even after a long time of paying rent. Instead, it’s your landlord or the property owner who benefits directly from your monthly rentals as they get to keep the money, month after month and year after year.

Nowadays, you can choose from a wide variety of housing options—from bungalows to a townhouse or condominium—depending on your needs and resources.

For instance, one of the benefits of condo living is that it is in tune with your busy lifestyle. As such, you’ll find that most condominiums house physical fitness centers, convenience stores, retail shops, and other one-stop service establishments within the building premises so that you don’t have to go far to get the things you need.

You also get to save a lot of money this way since you don’t have to spend on transportation costs, such as fuel, parking fees, taxi fare, and the like.

3. The country’s thriving economy puts premium value on real estate investments

When you invest, you expect to get some returns out of it. With real estate investments, the ROI can come in several ways. Earlier, it was mentioned that renting out your property is one form of income generated from real estate investments.

What you should also know is that you can get so much value from buying real estate now, which is the time when the country’s economy is growing alongside its Asian neighbors. Investors are coming in because the Philippine government is going all out on developing infrastructure like roads, bridges, airports, and so on.

With business investments contributing to the growth of the Philippine economy, real estate developers take it as an opportunity to attract people into buying properties by offering good deals. By investing in real estate now, you can look forward to the value of your property increasing in no time.

Waiting for a couple of years may be costlier since market conditions are dependent on a country’s economic performance, which is something you can’t control or predict on your own.

4. Real estate developments are designed for millennials’ preferences

Buying a home space isn’t only about fulfilling the basic need of having shelter. At the end of a long day at work, you want to be able to come home to a place where you can rest, relax, and enjoy.

Fortunately, many real estate developments today consider these things. From the floor layout to the aesthetic design and safety engineering, you’ll find that many properties for sale are suitable to your standards. You don’t have to spend a lot of extra money to spruce them up because they already look and feel great from inside out.

Final Words

As with any investment, you first need to study your options carefully when buying real estate properties. The key is in setting your goals and then coming up with a strategy that can help you reap the benefits of investing in real estate.

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Online Pawnshops : Everything You Need to Know






Are you suddenly in need of funds? Either it could be for a wedding preparation, paying for a hospital bills, business investment, buying a property, and so on. Whatever reason it may be, there are times that borrowing money is unavoidable.

Naturally, your first instinct will be to acquire a loan from a bank, government office, or any credible institution. This option is generally reliable, but your application for a loan will require a screening process that will take several days to accomplish.

If you don’t have the luxury of time or simply want to avoid the formalities, you can opt to ask for your friends and family for financial assistance. However, it’s also important to note that issues may arise if your deal isn’t done with care.

These options can be great solutions to your financial dilemma, but it’s all a case-to-case basis. If you’re not too keen on these methods, luckily, there’s a better alternative available. If you have some valuables that you no longer use, doing business with a pawnshop is a simple and convenient way to get more money.

Thanks to innovations in technology, traditional forms of transactions have now become more accessible through the internet. Other than banking and finance, the pawnbroking industry has also found its way into the digital space. Nowadays, you can easily acquire the services of a pawnshop with just a click.

To make things easier for you, we’ll show you how online pawnshops work, what you can pawn, and how to get the most out of things you’re planning to sell. Take a look at this infographic for more details.

Online Pawnshops

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