Category: House

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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.