Investing a Property

If I have a time machine, I would probably wish to go back 10 years ago and start investing a house and lot. I was already in my mid 30's or nearly 40's since I decided to have one. Well, the first thing that I would always consider was the stability of my career and life expectations like having a family etc...But I never thought that later on it will be too late for all those hunches. Location was the greatest fear. What if I bought it, and later on I can't use it? I was in my mid 20's when I first attempted to have one. P6,000 monthly through Pag-Ibig loan is not bad for a 2-bedroom house right? But I was so hesitant of the location.

Now, if you are in your mid 20's please, save those second thoughts! As early as that age when you start investing a property, when you reach 45 or 50 you can have it as your own even though you haven't reach retirement yet. The millenial age would not always think about having a property because they would prioritize an established career, travelling, dating, shopping, cars and gadgets. Mind you, I have been there done that. (But I just had a few regrets anyway)

Here are some thoughts that you might want to consider:

1. If you are 25 years old and started earning like 25,000-35,000 you can invest an 80-100 sqm house and lot. If you are a member of Pag-Ibig its likely that an annual rate interest would be 6.5-7% for your loan. But for bank financing it is likely that your monthly income should be around 30,000-50,000. (because bank's annual interest rate is 8-12%)

2. In relation to number 1, you can own a studio type condo unit but through bank financing. So consider around P30,000-50,000 monthly income.
 
3. For loans, 10 years is safe. If you started at the age of 30, then by 40 you are now mortgage free!

4. Since location is very essential, look for the one who is close to your work. A 30-min. drive with or without traffic is fine. For me, I would always want a suburb kind or much more of a provincial life neighborhood.

5. And lastly, look for a credible real-estate broker and sales agents offering quality homes that has few or no issues at all!

Author is an accredited Sales Agent offering properties in Cavite and SMDC projects all over Metro Manila. 

Please do like my page: www.facebook.com/investfuturehomes

Investing a Property

If I have a time machine, I would probably wish to go back 10 years ago and start investing a house and lot. I was already in my mid 30's or nearly 40's since I decided to have one. Well, the first thing that I would always consider was the stability of my career and life expectations like having a family etc...But I never thought that later on it will be too late for all those hunches. Location was the greatest fear. What if I bought it, and later on I can't use it? I was in my mid 20's when I first attempted to have one. P6,000 monthly through Pag-Ibig loan is not bad for a 2-bedroom house right? But I was so hesitant of the location.

Now, if you are in your mid 20's please, save those second thoughts! As early as that age when you start investing a property, when you reach 45 or 50 you can have it as your own even though you haven't reach retirement yet. The millenial age would not always think about having a property because they would prioritize an established career, travelling, dating, shopping, cars and gadgets. Mind you, I have been there done that. (But I just had a few regrets anyway)

Here are some thoughts that you might want to consider:

1. If you are 25 years old and started earning like 25,000-35,000 you can invest an 80-100 sqm house and lot. If you are a member of Pag-Ibig its likely that an annual rate interest would be 6.5-7% for your loan. But for bank financing it is likely that your monthly income should be around 30,000-50,000. (because bank's annual interest rate is 8-12%)

2. In relation to number 1, you can own a studio type condo unit but through bank financing. So consider around P30,000-50,000 monthly income.
 
3. For loans, 10 years is safe. If you started at the age of 30, then by 40 you are now mortgage free!

4. Since location is very essential, look for the one who is close to your work. A 30-min. drive with or without traffic is fine. For me, I would always want a suburb kind or much more of a provincial life neighborhood.

5. And lastly, look for a credible real-estate broker and sales agents offering quality homes that has few or no issues at all!

Author is an accredited Sales Agent offering properties in Cavite and SMDC projects all over Metro Manila. 

Please do like my page: www.facebook.com/investfuturehomes

Self Help Book

I have been reading some "self-help" books lately and i've been hooked on Robert H. Schuller's "It's Possible". I am learning a lot on staying positive because not only the fact that I need it but for my recent illness when depressions strikes back. I'm talking about my thyroid problem. Whenever anxiety stress attacks, I have no choice but to endure the pains, sadly.

These are some of my favorite lines after every selections. Someting that strucks and I know you too can relate 😌!

1. All human beings crave the freedom to imagine, to dream and to soar! The human spirit wants to break free - to be unlimited.

2. One must always have goals beyond today's dreams. There must always be another mountain to conquer.

3.What you see is what you'll be!

4.  Some are bowed down by pressures and problems, all they see is the dirt in the roadway. But others stand tall and are the first to spot the light of new opportunites.

5.  Now, I don't worry about tomorrow, because it belongs to the Lord!

6. For there is no satisfaction that can compare with becoming the success that God wants you to be.

7. Trust God! Believe Him! He will honor your faith and turn your imposibilities into exciting new possibilities.

8. In the middle of the darkest experiences of your life, you can still choose to believe that whatever happens to you will prove to be a beautiful blessing.

9.  The power-packed ingredients of faith, hope and love are the requirements for a positive mental attitude.

10. Fame, fortune and even family are not enough unless you have peace of mind! Only then can a person enjoy anything else.

11. Develop a positive and healthy patriotism and  you will have a greater sense of personal identity and personal worth.

12. There is no hopeless situation until you become a hopeless person.

13. God believes in you. God understands your fears, hurts, heartaches and problems. Draw close to Him. He'll show you His plan for you and help you turn your problems into possibilities. 

14. The hardest part of any task is getting started. Don't quit trying.

15. Opportunities don't wait for slow moving. Begin today!

16. Be careful about your opinion of yourself. It will come true.

17. You can either keep the door closed, by believing it is locked, or you can open the future by affirming your potential and setting goals that will inspire you and lift your vision beyond your limitations.

18. You can't measure power by size!

19. When we are trusting God and relying upon Him, we can be confident that there are no defeats and no failures.

20. In life you cannot make excuses out of problems. Possibility thinkers never turn problems into excuses.

21. Every unsolved problem is an opportunity. Each opportunity spells adventure. The man or woman who is willing to face the challenges of life knows how to live.

It's never too late to dream and soar higher even up to my age like this :) Sometimes we need to put a little sunshine in our dark midst...