How to Build a Complete Financial Portfolio

investingMost of us have a dream about life. Where you want to live, the car you want to drive, the clothes you want to drive and so on. However, have you stopped to calculate what it will cost you to achieve all those? What do you need? It is a tech business, online business, towing business, investing in bonds and stocks, real estate, name them. It takes more that time spend on a mere piece of paper with a pen, to craft a well-rounded investment portfolio to follow.

We have come up with a step of actions that need to be followed to build a complete financial portfolio. You need to have a fully funded retirement accounts, you must be debt free, have emergency cash that can last you for at least six months, and have diversified investments across numerous asset classes. Additionally, you need to invest in yourself.

Have a Plan

Before you can begin building a complete financial portfolio, you need to make a list of everything you own and what you need to achieve. You also need to make a list of everything you owe. You have to be brutally honest with yourself when making such a list. The key to having a life changing moment in your life lies in first realizing your current financial position. Spend some critical time in understanding your net worth as this is the first step towards financial stability.

Assess your Risk

While building your portfolio, you need to assess your risk tolerance by evaluating your investment profile. You can be conservative (where you seek lower investment risk) or be aggressive, where you are able to tolerate greater investment risk. The good news with higher-risk investments is that they have a potential for higher returns but equally have a greater potential for losses.

Consider Asset Allocation

For each investment you make, you must choose as an investor, what profile you belong to. The percentage of a complete investment is determined by bonds, stocks and cash. Asset allocation is an important strategy that helps you in balancing portfolio risks and rewards.

Choose the Right Investment

You need to take time and decide on what you really want to invest in. First, you have to consider how long you can invest. This means you have to have an investment plan. For any investment you make, ensure you go both short and long term. Another key issue you have to look upon is diversification. The basic rule of investment is that for you to have a better return for your investments, you have to accept more risk.



Things to Consider When Searching for a Home

HomesFollowing the Maslow’s hierarchy of needs, shelter falls within the safest category. Actually, it comes after the psychological needs of water, food and sleep. It is among the most basic survival pillar. There is a big difference between a home and a shelter. Whereas a shelter merely is a concrete structure, you can rest in, on the other hand, a home is what you make of the house. If you are thinking about getting home, there are a couple of issues you need to get right.  Let’s explore these issues.


Location and a prime location for that matter is everything, be it when setting a business such as or buying a home. The most important thing to look at when hunting for a home is located. You can bear to live with imperfections your home has, as long as you love where it is located. One thing you can’t change is, and thus you should strive to ensure that you choose one that fits your needs and standards.


Does the home you intend to purchase have the features you have always wanted? When looking for your dream home, it is essential to go with a mindset of the features you need. A dream home is more of fulfilling your wishes than meeting your needs. Do not be afraid to make a list of all your preferences. We are all different, and our needs can’t be the same. Investigate to see if your dream home has the features you need and if not, ask yourself if these features can be added.

Age of Property

As far as buying a home is concerned, its age makes a huge difference. There are pros and cons associated with new vs older homes. Figure out if you prefer the allure of a more former home or if you opt for the sleekness of a newer model. One key advantage of older homes is that they are cheaper than sleek new homes. If you go for an older home, ensure that modifications and renovations can be made for it to fit your standards.


Go for a home that has your ideal amount of space. The biggest trick when it comes to finding your dream home lies in determining the amount of space you need. Think about the space you currently live and figure out if it is enough for what you need in your future home.



Tips to Increase the Value of your Home

homeAre you planning to sell your house or you want it to have a new look? Increasing the value of your home is more comfortable than most people think. The goal of property investment is to increase in value from time to time. You want your property to be more worth than you bought it. There are low cost and effortless ways to add value to your home. If you need to give your house an upgrade, here are some professional insights on how to go about it.


The fastest way to increase the value of your house is through remodeling it. Note that home improvement projects typically attract anywhere between 20 and 25 per cent. This translates to about 80 per cent in value increase. To remodel your house, you need to start slow and never be a marathon. If your home is new, get to study it and know all that is required. List all the things you need to change and note any updates you have to make. Have a schedule and estimate how long it will take to have everything fixed in place.

One Room at a Time

You need to tackle one room at a time. It doesn’t matter if it is a simple coat of paint or just knocking down a wall, you have to tackle one room at a time and keep the projects going forward. Have a list of the things you need to change in the room and what is required to achieve the goal. Choose to work only on projects that fit your time schedule. By the end of the whole process, you will have a stylish upgrade that adds value to your home.

Light up the House

Light upIn space, lighting is one of the most popular and essential concepts to embrace, yet it gets overlooked in most times. Consider making an investment in different types of lighting sources that add depth to your room. Doing these lighting upgrades doesn’t mean breaking the bank. It can just be a simple lampshade, candles, containers, reflective hurricane among others.

Get an Interior Designer

If you want to have a job done right, then get the right person to do it. In that sense, get someone who is right in interior design and who understands to work their way out in the house to raise its value. You will need to incorporate an extra set of eyes and hands to make the house stand out and appealing to the buyers.

Maintain Cleanliness

Ensure that when someone is coming to look at your house as a potential buyer, they need to get the house clean, with the grass well-trimmed. People will judge your home by the first impression they get as they drive into your parking. It is essential to ensure that your house is well maintained and in excellent condition. Give your home a new makeover by adding a fresh coat of paint, replacing missing items, fixing broken glasses among other.





Tips to Take Care of Your Lawn

weedingHaving a beautiful lawn starts by preparing and selecting the right grass to grow in your garden. A proper lawn car keeps your grass growing and looking its best. We all want to achieve a great looking lawn, and all is needed for proper lawn care and maintenance. By following simple steps such as weeding, feeding, edging, mowing, scarifying and watering, lawn care doesn’t have to be difficult. Let us look at tips you can put into place to ensure that your lawn is looking all-time great round;

Removing Weed

Weeds can block the growth of your grass by blocking air and nutrients from getting to the root. Plants can appear anywhere due to the many ways they get brought into the garden be it by birds, animals or pets. Grass in lawns grows as either seed heads or flowers. The most comfortable option to remove weed is to pull out the whole plant including its root, which can be done by hand or by use of a tool.


mossMosses include all non-flowering plants that cause the worst of lawn problems. Moss thrives in areas that have excess moisture or shade and low-quality turf. If left untreated and undiscovered, the levels of moss increase thus reducing the ability of the grass to grow. Initial conditions that allow moss to expand to include; shade, clay within the soil, poor drainage, drought and high quantities of thatch. To remove moss, you have to identify the cause of the problem. You can monitor moss and maintain it with feeding and scarifying.

Improving Drainage

Lawns that have poor drainage will in most cases get waterlogged for hours or days, and this can lead to complications on their health. The most common causes of water build up are the soil’s ability to absorb water and the landscaping nature of your garden.


Thatching involves a layer of organic matter that builds up between the leaves and soil. It consists of dead leaves, root stems, and grass. Thatching creates a blockage that prevents essential moisture and nutrients from penetrating the ground down to the roots. The best way to remove thatch is using a process called scarification, which involves raking and eliminating mulch from the lawn. Tools such as lawn scarifier can be used in the process.

Soil Permeability

A couple of factors such as high levels of clay in the soil, layers of the root, soil compaction, populated areas of thatch all can contribute to preventing water absorption. If such factors happen, all is needed is aeration which helps in improving the flow of water and air to reduce surface build up. Alternatively, you can change the nature of your soil which can assist in getting the desired drainage levels.

Mowing and Edging

When mowing your lawn, the best thing you can do is to remove only one-third of the grass’s length. The frequency with which you need to mow depends on the time of the year and the prevailing weather conditions. If the weather is colder, especially during frost season, the amount of mowing you have to do will be significantly reduced. During the summer, mowing becomes more frequent due to warmer weathers.

Best Trees to Grow in Your Backyard


Tulip Tree Nature · Free photo on PixabayTrees add the much-needed shade, color, privacy and value to your backyard. But when choosing trees for your backyard, you have to make an informed decision. Some trees grow to be more and more beautiful from one generation to another. Others have a dropping messy fruit with bothersome sticks. You should take your time to select the trees that offer the best combination of the qualities you enjoy.

When choosing trees to grow, there is a couple of factors that should guide you. Every type of grown tree has factors that make it suitable for a specific landscape use. Each tree equally has specific requirements that are critical for its survival. There are also aspects to do with soil types and weather. All these, plus many other factors, should be the guiding factors on the type of trees to go for.

We have compiled our list of best trees that you can easily add to your backyard to produce incredibly awesome looks.


A dogwood tree brings a lot of beauty and interest to your backyard, all year long. The tree flowers during the spring in a profusion of pink, white and red blossoms, and then features a compact and lush canopy of foliage in the summer. Most varieties of dogwood display a red foliage during the fall season before dropping leaves to show off gaining some attractive branching in the winter. There is a variety for almost any zone in the United States that make the dogwood among the most common flowering trees in the United States.

Tulip Tree

The tulip tree is well known as having both the duty as a shade tree and as an ornamental tree. It heavily bursts with tulip-shaped flowers in the springtime and boasts of awesome yellow leaves in the fall. It is a fast-growing hardwood that can grow more than two feet in a year. The tulip tree makes an ideal choice for backyards throughout the country, provided those interested in it can handle its height.

American Holly

American hollyIf you are looking to have an evergreen privacy for your yard and equally enhance your property with an awesome ornamental stunner, then there is no doubt about going for American holly. The small white springtime blooms give firth red berries in the fall, which remains throughout the winter. The American holly tree attracts both visual interest and a food for wildlife, making it attract birds and other creatures to your yard.

Sugar Maple

If you are seeking to add fall interest and color to your backyard, then sugar maple is an awesome selection. It grows up to 75 feet tall, boasting of a spreading canopy with a vibrant and stunning display in autumn. The sugar maple is considered both as a shade and ornamental tree, making it one of America’s favorite trees for the backyard.

Green Giant Arborvitae

The green giant arborvitae is well known for adding backyard privacy especially between houses and backyards in a housing setup with subdivisions. This tree has become a popular privacy choice for a couple of reasons. It is a fast-growing evergreen that is hardy and tolerates almost any soil. It also has some beautiful conical shape.