10 Quotes on a Twenty-Somethings’ Journey to Finding Home

Home can mean different things. It can be a Lerato for rent condo, a suite in Holiday Inn, or a villa in Quezon City.

Whatever it is, different things make us feel that we are homeSometimes, we feel that home is where we spent our childhood. It can also be where we found our partner or where we forged friendships. But because of time and the winds of change, we are forced to leave the place we love and a new one.

If you’ve been away from home for some time and you don’t know where it is anymore, here are some quotes that describe how it feels to leave home in your twenties and come back again.

 

  1. The moment you left your humble home for a rental.

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“After you leave home, you may find yourself feeling homesick, even if you have a new home that has nicer wallpaper and a more efficient dishwasher than the home in which you grew up.” 

– Lemony Snicket

 

 

  1. When you’re denying you aren’t lonely but deep down want to come back.

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“Home is not where you live but where they understand you.” 

– Christian Morgenstern

 

  1. The inner-battle of self-sacrifice and freedom.

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“I used to dream about escaping my ordinary life, but my life was never ordinary. I had simply failed to notice how extraordinary it was. Likewise, I never imagined that home might be something I would miss.”

― Ransom Riggs, Miss Peregrine’s Home for Peculiar Children

 

  1. When you decided to not return to the place where you don’t have to pay rent and mortgage because you found “home” in your significant other’s arms.

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“Home wasn’t a set house, or a single town on a map. It was wherever the people who loved you were, whenever you were together. Not a place, but a moment, and then another, building on each other like bricks to create a solid shelter that you take with you for your entire life, wherever you may go.”

― Sarah Dessen, What Happened to Goodbye

 

  1. But your relationship didn’t last long, and going home feels like the only way to ease your heartache.

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“The desire to go home is the desire to be whole, to know where you are, to be the point of intersection of all the lines drawn through all the stars, to be the constellation-maker and the center of the world, that center called love. To awaken from sleep, to rest from awakening, to tame the animal, to let the soul go wild, to shelter in darkness and blaze with light, to cease to speak and be perfectly understood.”

― Rebecca Solnit, Storming the Gates of Paradise: Landscapes for Politics

 

  1. Fortunately, it’s perfectly fine to come back.

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“The ache for home lives in all of us. The safe place where we can go as we are and not be questioned.”

― Maya Angelou, All God’s Children Need Traveling Shoes

 

  1. Besides the hardships of being a twenty-something from career, dating to finances, don’t lose hope.

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“Home isn’t a place, it’s a feeling.”

― Cecelia Ahern, Love, Rosie

 

  1. You still have your parents, relatives and supportive friends. Chin up and live in the moment. You still have a lot of time ahead of you.

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“Well, sometimes home is a person.”

― Beth Revis, A Million Suns

 

  1. The right person will come to sweep you off your feet and accept you for who you are. This person will make a home out of nothing and will make it seem that every place, as long as you are together, is home.

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“Home is the nicest word there is.”

― Laura Ingalls Wilder

 

  1. He or she will tame your rebel heart and make you see you and your family’s worth in your life. It will make you understand what home really is.

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“I don’t care if we have our house, or a cliff ledge, or a cardboard box. Home is wherever we all are, together,”

― James Patterson

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Three Things You Wish You Knew Before Getting Your Own Rental Apartment

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“Being able to own yourself is a blessing. When dependent on other beings for survival your chances to breathe slims, own yourself.”-Author Unknown

If you have lived by yourself for a significant amount of time, there are lessons and realizations you will inevitably develop. More often than not, it is these very same insights that would make you a little warier the next time you choose a rental apartment. From predicaments with your bills to unreasonable landlords and neighbors, living in a rental unit by itself is already a host for a myriad of problems that can potentially catch you unaware. However, while there is no certain way for you to be prepared for every possible dilemma that might arise, there are a few things you might wish to know before signing your very first rental or lease contract.

Although the prospect of living by yourself for the very first time—away from family and friends can be incredibly thrilling, this rush of euphoria would not last very long—especially when you become overwhelmed by obligations and responsibilities. As the last vestiges of newfound ecstasy fade, you would soon come to heavy burden that is entailed with living alone. However, this is not to deter you—but rather to prepare you of what life is like when you are on your own. So, whether you are looking forward to being billeted in a swanky address such as Avida Asten or elsewhere, as long as you are going to be living alone here are some things you should keep in mind:

1.) You cannot pick your landlord

Regardless of what anyone says, when it comes to rental units, the most important relationship you develop is the one with your landlord. This means that you can get into a really tight snag if you have a landlord that is quite difficult to deal with. Unfortunately for you, while you might be able to select the apartment you wish to rent, the same cannot be said for the owner who is renting it to you. Should you decide to move in, you will inevitably have to deal with them. Choose wisely and carefully. Know that whatever apartment you choose, the landlord comes with it too.

2.) You cannot pick your neighbors

Much like you cannot pick your landlord, it is virtually impossible for you to be selective with your neighbors either. Regardless of whether you scout the place thoroughly and select an apartment based on the neighbors you are going to be rubbing shoulders with, you can never be meticulous enough with who they are. After all, it is not up to you who rents out the apartment but the landlord. So, if you only have a wall separating you from your neighbor, you will inevitably be subjected to the caprices of your neighbors—and the noise would be the least of your worries.

3.) Pretend you are buying a home

Apartment renters often overlook even the most significant stuff in a rental unit in their jubilation of finally finding one that caters to their need. Unfortunately, this creates a myriad of problems that the renter could have prevented just by asking in the first place. A majority of apartment renters do not even think of asking whether the water heater was replaced in the last 6-8 years if there any mold problems or when the building was re-roofed and the like. Although this queries sound like they are best asked by potential home buyers, it would not hurt to ask these things—especially if you intend on renting for a significant amount of time. If you want a unit that is in good condition, it is best if you asked questions.

 

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Buying a Condo? Here are Five Things to Consider

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“Every person who invests in well-selected real estate in a growing section of a prosperous community adopts the surest and safest method of becoming independent, for real estate is the basis of wealth.”

Condominium living has been somewhat of a trend in the Philippines wherein you can find one in almost every nook and cranny of the major cities. Indeed, there are a lot of merits to living in condominiums—especially for perpetually busy Filipinos who long for a more convenient lifestyle. After all, it is a well-known fact that condominium projects and developments pride themselves upon the expedient living they offer to their residents. Living in condos has been associated with an ease of access to most establishments, offices, and entertainment hubs. However, what encourages a prospective condominium buyer to close a deal apart from the practical lifestyle it affords? Well, for most condominium unit buyers, the price would either be a driving factor or a major concern. Unfortunately, if buying a condo unit is in your plans, this should not be the sole consideration you have to make.

A condo unit’s price, albeit a paramount consideration to most condominium buyers, should not be the only consideration. Focusing on this aspect alone might lead you to make bad investments that you would regret soon after. In any case, if you have been eyeing a condominium unit in Avida Asten or wherever, here are some of the other things you should consider:

1.) Location

What good would a condominium unit be if it is located smack dab in the middle of nowhere? If this is the case, it would likely defeat its purpose of being an alternate residency considering living on the outskirts of the city does not offer many conveniences. Apart from that, you should also consider the general safety of the area where your condo is located. Moreover, the location of your condo unit significantly affects the potential price appreciation. So, if you are looking to sell your condo anytime in the future, the location would be a pivotal aspect.

2.) Track record and reputation of the developer

Today, most condominium developers offer their condos at the pre-selling stage in order to sufficiently finance the completion of the project. If you have thought of buying a condo at its pre-selling stage, it would be best if you took a look at the reputation of the developer. This will ensure whether the finished property would be of good quality and if it would be turned over as scheduled.

3.) Parking

Contrary to what most condo buyers believe, parking lots do not come with the unit. You buy them separately, and they can be quite expensive. Condo units by themselves are already expensive, and if you added the price of a parking space with that, it could easily set you back by at least 500K pesos more. If you require parking space, then this should be a primary concern. Furthermore, parking lots appreciate in value and should you not be using them; they can be used to generate extra income.

4.) Population density and amenities sharing

One of the features a condominium has that would entice buyers to close a deal with them is their array of amenities. The more amenities a condo has, the pricier it would be. Basic amenities would include a swimming pool, function rooms, children’s playground, and the gym among others. Before deciding on which condominium to buy, you should assess whether the number of amenities offered corresponds to the price you would pay. Apart from this, you should consider if you would be able to take advantage of the facilities adequately while having to share it with a significant number of neighbors.

5.) Rules and Regulations

Not all condos have the same set of rules. For example, one condominium development might be rigidly strict about having no pets allowed in the units while there are some that can be a bit more flexible. Apart from this, some condos impose strict regulations on what you can modify and alter inside your unit. These are all things you have to consider especially if you intend on making the unit your primary residence as you have to ensure the rules imposed would sit well with you.

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Home Living: How to Split Finances with Your Significant Other

Couples follow a pattern of living. They look for the cheapest house and lot for sale in Philippines, save for the expensive and luxurious buys and plan out their family.

However, discussing finance or expenses can be taboo. It often causes arguments and disagreements between the partners. Unfortunately, failing to plan or discuss finances of the household can provide damages in the long run.

If you and your significant other are not open to the idea of tackling your income, you can talk about your spending and expenses as a household. Here are some tips on how to split you and your s.o. can divide your monthly bills.

Money rules for couples

Communicate money matters

Having a partner means being comfortable to share everything, even the most embarrassing moments of your life. It also means you have to share what how much goes in and out of your wallet. Finance can be a sensitive topic, but if you don’t trust your partner with information regarding your spending habits and financial status then splitting the bills won’t work.

When talking about financial matters, you don’t have to break down what you spend each day. Giving your partner an idea of how you delegate funds each payday will help him or her get a sense of how responsible you are. At the same time, it gives your significant other an idea how to work with your existing funds and habits to reach your long-term goals as a couple.

Schedule dates

There are lots of advantages to plotting dates on the calendar. First, it allows you to make plans considering the budget you set for the day. You also get to see the pattern of your dates if they are monotonous or not. Next, it makes you look forward to the moment.

Steady couples often focus too much on their careers and forget to go out and treat each other to a day out or a fancy dinner. If you are part of the population that has the same experience, a scheduled date will undoubtedly improve your relationship with your s.o.

Scheduled dates also allow you to assign who pays for it. You can take turns on who shells out for the current rendezvous. The other can spend for the next date. Moreover, pre-planned night outs and brunches will give you a chance to have unexpected dates because you both saved extra cash.

Use the 50/50 rule

Most couples the payments for dues and expenses by half. Most of the time, live-in partners are the ones who follow this rule. The total amount of utility bills and living costs are equally divided to two. That way, both parties are liable for the expenses.

However, the 50/50 rule may not be ideal for a couple who have a discrepancy in income. At the same time, there are cases when a partner contributes a larger portion of the expenses than the other. If that is the case, they may try using percentages to compute their share of payment.

The person with a greater net income may have a higher percentage share, but if the same person consumes fewer resources at home, there needs to be a compromise.

Have separate savings

Just because you are open to each other doesn’t mean you don’t save some for yourself. Financially speaking, it’s best for each to have separate funds when saving for personal wants and needs then have a mutual savings account for the future.

Saving is a continuous process. You should not only save money to attain pricey material things, but you should also save for rainy days. Emergencies are unexpected and often cost a lot of money. Thus, having spare money for such instances is important. You can use the stored money in the mutual savings account when the incident occurs.

Avoid IOUs

No matter how smooth sailing your relationship is, some people still have boundaries. The line more often than not is drawn when it comes to financing.

Some partners are not flexible when it comes to money. They expect you to be a responsible adult, the same way they do. Thus, borrowing money to purchase useless things is a no-no. It can be the spark that strains your relationship. Refrain from borrowing money especially if you are unable to pay it back on time.

If you need extra cash, you can use the balance of your savings to withdraw.

Open communication is the best solution for tackling money matters. Starting the habit on the dating stage until co-habitation will make splitting expenses easier.

Philippines Real Estate: Things You Need to Know About Buying a Condo in the Philippines

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“Every person who invests in well-selected real estate in a growing section of a prosperous community adopts the surest and safest method of becoming independent, for real estate is the basis of wealth.”-Theodore Roosevelt

In modern Philippines, you would be hard-pressed not to find a condominium tower in major cities. In fact, it may be argued that you can find one (or one about to be erected) in almost every nook and cranny in its biggest metropolis, Metro Manila. Of course, this rising trend of condominium living is to be attributed to the proliferation of these real estate projects. After all, with a Filipino’s perpetually busy lifestyle, living in a condominium unit would not only be convenient but ideal. With this in consideration, the Philippine condominium market remains as robust as ever and shows no signs of slowing down. After all, with the ever-increasing demand, condominium developers must endeavor to address that exigency.

As Manila is rife with individuals seeking condo units (seeing as it is a premier spot for professional and career growth), it would inevitably be area developers would be so keen to develop. Makati, Fort Bonifacio, and Ortigas are three prime spots where condominium units are the most prevalent. However, with a myriad of options to select from, buying a condo can easily get tricky. How can you ensure that the unit in two serendra is ideal for you? Is there any way of knowing whether the property in question would make a sound investment? While there is no telling for sure, it would be best if you armed yourself with information as regards the property you are looking to buy.

Otherwise, here are a few things you should consider to help you decide where you should put your money:

When in doubt, check the rental yield

Experts in real estate would argue that rental yield is a paramount criterion for real estate investment—and they are right. The Asian average is around 4.2%, but this number is nothing in comparison to those of Metro Manila where rental yields are at an all-time high. Manila is a prime spot for condominium investment as investors can expect a yearly influx of individuals who are looking for condo units to rent—from the students to young professionals.

Consider those places that are near to BPO offices, central business districts, techno-hubs and significant developments as these will be driving factors in raised rental yields.

When looking for condominium units to invest in, consider smaller units

Most individuals looking for a condo unit to rent would hardly be looking for a full-blown condominium complete with three rooms, a suite, and a rather spacious bedroom. Considering as they will mostly be living alone, renting a big condo unit would not only be impractical but unnecessary as well. Save for a few exceptions, it has been determined that the rental demand for one-bedroom and studio type units are higher than two-bedroom units and up—most especially in developments in or in proximity to central business districts.

This is because most potential condominium tenants would likely be looking for only enough space for themselves only making the extra rooms extraneous. So, instead of investing on condos with big spaces and some rooms, choose the single unit ones.

In sum

If you are looking to invest in real estate in the Philippines, breaking ground with condominium units is an excellent way to start. Condominium units are known for their affordability and high rental yields as compared to the Asian average. Select premier areas where the working and student population remains the highest. Furthermore, choose properties in proximity to business districts, schools and BPOs and you are guaranteed a good investment.

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Home Selling 101: Four Ways to Sell a Home Sans The Drama

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“I still think buying a home is the best investment any individual can make.”-John Paulson

Without a doubt, one of the most stressful endeavors one can undertake is selling a home. The logistics itself are complicated—couple that with the frustration of many unsuccessful attempts in finding a buyer and you would inevitably feel worn out and infuriated. Unfortunately, this is very much a reality that can possibly occur when you are trying to sell a home. After all, experiencing an emotional roller coaster is just one of the many consequences you will deal with in your attempt in making a sale. At best, selling a home would make you feel accomplished, proud and relieved when it finally sells at the asking price you wanted. However, at worse it can leave you disappointed at the low ball offers made—that is if any offers are made at all. Regardless of whether the property for sale is located in Bonifacio Global City or is a Makati condo, selling a home is always associated with some kind of drama. But that does not mean that this drama should always occur. Here are ways to sell your home minus the drama:

1.) Figure out and be clear on the reasons why you are selling

There are a lot of reasons that would compel you to sell your home. However, this myriad of reasons may not necessarily resonate with yours. Are you selling because you need to move to a bigger residence? Or do you need to downsize? Are you selling for profit or something else entirely? Figuring out why you are selling your home in the first place would enable you to have a stress-free navigation through the unpredictable seas of the market. Furthermore, it would get you through the days of rather disappointingly low offers. Knowing and focusing on your why are two simple tasks—all it needs from you is a conscious effort to form your own personal vision and values.

2.) Give it the right price

Before putting your house up on the market, it is imperative that you do a thorough check as this is paramount to giving it the right price. In pricing your home, it is important to remember that you look at it from an objective point of view. With this in mind, old sentiments and nostalgic feelings should not be factored in. You may think that your home is worth more than it actually is—only to have the market tell you otherwise. Do not list it too high or your house will stay far longer than necessary on the market.

3.) Be on the lookout for qualified buyers on the web

If you want your home to sell faster, then you need to permeate every single avenue for listing advertisings. This means you should not limit showing your ads only to traditional and typical mediums such as newspapers and the like. Instead, broaden your scope and include websites as a listing opportunity—from social media platforms to house market listings. Take note: the online community is rife with individuals looking for a good deal on houses, and there is a likely chance you would find a potential buyer there.

4.) Be flexible and creative as regards structuring a deal

As said before, it is important to know why you want or need to sell your home. Apart from that, you also need to have a rough idea on how you should go about the process of selling it. However, this is no way means that you should rigidly stick to the process you set your mind on. If you want buyers to consider your offer, you might need to be flexible and open to alternative ways in selling your home. Remember, you get more prospective buyers knocking on your door if you are flexible.

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What You Need to Know When House Hunting

Make things easier with a checklist. Whether you are looking at bungalows in a subdivision in Bulacan or a townhouse in Quezon City, narrowing your options when choosing your next abode will make the selection process easier and quicker.

When house hunting, buyers often focus on the exterior and interior design rather than the functionality of the structure. Others prioritize the price of the house and lot because of the economic and financial aspects. Having a checklist will help balance what’s important and what is necessary.

It’s easy to get swept by the newest trends in architecture and real estate. House agents and brokers can be very persuasive. With a checklist in hand, you can stay right on track. Below are few pointers to guide you in completing the list.

 

Source of electricity

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Electricity and gas should be the first thing on your list. Some important questions to answer are:

  • How many sockets are in each room? Are there conveniently positioned?
  • Do all electrical sockets work?
  • Are there any interferences to electricity sources?
  • What alternative sources can you use in case the main power goes off?

If all of these are answered clearly by the seller or agent then it’s worth to consider the house. But other than the central electricity source, it’s worth noting how gas can be utilized in the space. Where can you store the gas cylinder? Does the house rely on LPG or petroleum to run the central heating? Is the heating system working properly? These things are equally important as they can also save your wallet.

 

Water source and plumbing

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When you are planning to move to an area with a limited supply of water, ask where the water came.

Live in a place that is comfortable, not worry about water rotations and rationing. Do some research and survey the area if their supply is stable. It may not be an issue now, but it can be in the future. Look years ahead before settling in a location.

As soon as you find no interruption with water supply, check the plumbing. Inspect the fixtures and pipes for noises, leaks and weak spots. Rusty pipes and fixtures are more likely to appear in aged houses, so pry the previous homeowner of the house’s history. Consulting a professional plumber for a second opinion is also advisable.

Hot water and bathtubs are additional features in Filipino homes, but newly-built houses often have these. Make sure the water heater still works properly and is connected to all water lines. The bathtub shouldn’t be clogged and the bathroom should be well-ventilated. It better to have a bathroom with a window. If that isn’t the case, choose one with an exhaust fan.

 

Lot and Surrounding Area

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Take into consideration the land area of your property – yard and side gutter included. The house might check everything on the list but if the gutters and drains are clogged, just forget it. It may cost you more because you did not consider the water damages caused by the blocked waterways.

If you’re on the scrimping side, consider the spread of the yard and the garden work. The lot may have a landscape that is high maintenance. The yard may have expensive turf that needs water more than your family does. Do you really need those? Think about it.

When scouring the exteriors, watch out for signs of decay and rot in woodwork.

Consequently, the surrounding area and neighborhood play a huge part in your everyday life. Living close to the places you frequent (school and work place) and facilities like hospitals, banks, and retail stores make life easier.

Communities accessible through different modes of transportation are much ideal than places exclusive for private vehicles. Best of all, choose a location that fits you and your family’s lifestyle.

Remember, a safe community is always a priority.

If you’ve been to a couple of houses visits, take note of the details that fit the details listed above. The next time you view a house, bring the list and compare if they have the potential to be your new home. Buying a property is a decision that should be hastened, so come with an open mind, inspect the structure thoroughly and compare your notes. Do not hesitate to ask questions about the house. Most of all, trust your judgment on deciding the perfect home.