Category Archives: Investment

Smart Investor choose Real Estate property: A view from Nuvo City


I have an excellent guest blogger and this post was written by Euru Hojilla  from NUVO CITY. He is one of the best Real Property consultant and passionate when it comes to educating everyone in regards to investing your hard earned money in the world of real property. 
Being a young professional on this generation, having an investment is such a big thing. Nowadays, you won’t be able to sustain a family or even start having a family if only depending on your monthly salary. Having a business, investment or a little side kick would be much helpful.
As a young professional, we need to be fully educated of all the options that is best for us. At this point in time, there’s a lot to consider like stock market, a traditional business maybe for example a canteen, convenient store, coffee shop etc. Others even consider doing multilevel marketing, others do online marketing, some do selling at work or even at home but little that they know, they could do more bigger like investing in a real estate. Most people easily ignore this idea because they always assume that there’s a need for a big capital so instead of learning more about the process, they just say no and let go of this wonderful opportunity.
Real estate investment is worth more than a million, even millions but that doesn’t mean that you need to produce millions instantly. There are a lot of amazing offers real estate developers do. One of those are our chances of investing to our first property for NO DOWNPAYMENT payment schemes. Property Consultants will usually ask for your requirements regarding preferences of location, size of space, number of bedrooms, which floor or even orientation of views and most importantly, the budget. Property consultants will assess our capabilities and will surely tailor fit what’s best for us. A good sales man will not push a product on his advantage but rather what’s best for his/her client.
The next question is: WHY REAL ESTATE? WHY A CONDO?
First, real estate is at its boom and has been predicted by our socioeconomic professionals that it will continue grow bigger and bigger for the years to come. Why real estate, its because of its potential of having a multiple growth or appreciation of the value of your investment. And why condo, because most developers are now creating or building high rise towers in prime locations provided that they are given full equipments to enjoy and maintain a high value of life.
A condo is best to buy during its pre-selling. You will be able to get it or start paying for it in a cheaper or most affordable price. Then through the time, the value of your property is increasing and will keep on increasing. Quarterly, most developers release new prices of their developments and noticeably increased about 2-5%.
What condo offers are accessibility to schools, churches, hospitals, malls, business districts, main roads, restaurants, convenience stores and a peaceful environment.
What we usually pay is the location. The price of the property differs to its location. For example here in Libis, Quezon City. The usual price per sqm to nearby developments are at 120-130,000 per sqm while on this particular project, it only cost 102-110,000 per sqm but the quality of the materials, the finishings and all the deliverables are incomparable. Here, you will be able to save more and gain more. Not only that, you will be more than satisfied with your property and a confirmation of your wisest decision.
What to consider in investing to a condo?
Number one of course is the location, second is the reputation or the credibility of the developers and lastly and most importantly, is the benefit you’ll get once you decided to buy a property on this development. A wise investment is choosing a property which not only offers residencies but with spaces for commercials, offices, businesses, malls and even hotels. In that, you are sure to yourself that the value of your property will greatly increase in 50% or even more.
Some young professionals and even the pro’s do condo investment for rental purposes (either residential or office purpose) or for resale. Rental – unit owner will look for tenants to rent their spaces from 15-50,000 pesos. That depends on how you furnish and how big your unit is. Most tenants are from BPO offices or if not, families. Resale – for example, an investor was able to buy his unit at 2.3M pesos during pre-selling and after few years once the tower is fully turned over, the buyer will now find another investor to buy it on its current price like for example, the property bought from 2.3M is now at 3.8M. The buyer turned seller is able to earn a net of approximately 1.5M pesos and again will venture to another pre-selling properties.
What’s good when you invest to condo is that, this is a property and a tangible form of ownership, an asset and its money generating. You just have to be keen in scouting to condo properties and find the best investment for you.
Step to do: Find a  property consultant, relay the requirements you’re looking and provide him/her the opportunity to offer you the project appropriate to your needs and wants. Requirements are basically, 2 valid government issued id’s, tin number, signed forms from the developer and a reservation fee which can be paid thru cash, cheque or thru credit card. Then next thing to do, get your payment schedule and never missed paying your monthly amortizations. If you maintain having a good payment history then you’ll have a better chance to be approved for bank loans.
I think, I need not to say more because your fortune will always depend on your options. Just stop saying No’s and start saying Yes for yourself.
For more info about Nuvo City and amazing deals. Follow Euru Hojilla in Facebook

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Filed under Best of The Best, Commitment Be Rich, Investment, Nuvo City, Real Property, Smart Move

6 investment options for young professionals

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The question has a lot of answer and it is really fascinating in terms of finance what we normally consider in investing is the risks and returns in the long run.
Here are the following hot trending answers for all the 20’s and 30’s
1. Real estate is the big deal. Yes it is true because of the passive income investors are getting. Looking at Henry Sy’s family wealth. They are getting a lot of his cash from those companies/ tenants that’s leasing in his property. Many millionaires see this as a big opportunity. SMDC, Ayala Land, Mega World and Robinson’s corporation knew this secret.
2. Mutual fund is getting huge nowadays since many Banks or companies are asking first time investors to start as low as 5000 php. With the use of cost averaging system sooner or later your funds will grow as big as million in a couple of years if you got discipline.again, if you have commitment to your goals.
3. VUL  or Variable Universal Life for ordinary Filipino who is an average earner having Variable link insurance is already good enough. Since investing is for those people who have the knowledge, time and money then you as an average earner  with a limited time can use this to increase your wealth while you are also getting protected. Variable unit link is an insurance with matching investment. I also consider it as the fully loaded meal of KFC which has a lot item attach to it.
Looking at it in a different side. Here are the two investment that will give you 100+% return guaranteed.
4. Family and true friends is one of the best investment you will have in your life. All money that you got maybe gone in time but the only thing you got will be your family and real friends. With the right amount of effort, time, respect you will earn more surely.
5.The best investment for me is to start within yourself. Proper Nourishment to all aspects in your life (body, mind, soul) will surely pay off. I already got scam when I was young without reading and asking questions I got easily tangled with all the promises of other people that was to good to be true. After that I learned so much but it was painful.
6. Invest in the next generation. Imagine your kids living in a world that is at peace, no war against each other and people living united as one. That is something that I’m doing now. I am supporting campus missionary using the money that God entrusted me. What the campus missionary is doing is to train the youth to have a change lives. I believed that if we want our society to change soon that should never end to us. We need to invest to them.
The best time to start investing is right now!
Your finances will be in a bad situationif you don't stop chilling with the wrong people (17)

David Isaiah Angway is a RFP and a financial consultant for IT-BPO-Banking, HealthCare Industry and Manpower Agencies. He is a conference speaker and was featured in ANC On the money, Bloomberg TV Philippines. He is also columnist at BusinessMirror, Rappler, and MoneySense magazine. He is a licensed nurse and a former Senior Fraud Specialist of the largest bank in the world, JP Morgan Chase & Co.

He is the CEO and founder of WinLongTerm Financial Consultancy, helping young urban and educated millennial (Gen Y). It sets and achieves their long-term financial goals by empowering them through behavioral finance.

For more information and concerns subscribe to winlongterm.com Facebook page or contact me at david@winlongterm.com, here’s also my mobile number 0925-787-7796

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Filed under 2015 Is My Year, Financial freedom, Investment, Investor