Smart Investments: Questions to Ask Yourself When Asking Whether You Should Buy a House or a Car First


“I will tell you how to become rich. Close the doors. Be fearful when others are greedy and be greedy when others are fearful.” –Warren Buffet

Now that you have graduated from college, you have your whole life ahead of you. With this in mind, you have quite a lot of plans as to what you should do with your life.

So right off the bat, you have landed a good and stable job that pays you quite well every month. In this regard, you have saved quite enough and think you are ready for your first investment. Considering that you have been saving some money for quite a while, you think you have sufficient money for your first significant investment which can only be one of two things: A car or a home. Most individuals in their early or mid-twenties would probably invest in a car seeing as majority of them still live with their parents. Moreover, having your own car gives you certain bragging rights by showing it off wherever you go—which is what young individuals aare aiming for: temporary satisfaction.

However, there are also some individuals who wish to become a homeowner and live a life separate from their parents. By now, they have probably scoured every possible property they can afford—from the units of Avida Towers Centera to the ones in Avida Asten. However, where should your money go? To a new house or a new car? Well, this is no easy question to answer and it all really boils down to what sort of pecuniary circumstance you are in as well as what your needs are.

There is no doubt that quite a lot of people would advise you to invest in a home first seeing as it would only appreciate over time whereas a car would not. While this sentiment is credible and would hold true in the long term, most working professionals would end up buying both a home and a car. So, what is the real difference if you simply bought one now as in the end, you will probably have enough money for both? In this regard, we can say that it is not really a question of which is best for long term investment but rather which should be purchased first. If you are on the hedge, the questions below might help you arrive at a decision:

How long will your current car last?

If you decision to buy a new car is solely based on your current car’s life expectancy then have a competitive mechanic take a look at it and give you a rough estimate. If it does not last you for more than five years, ask if there are any cheap repairs you can do to increase it. Moreover, are these repairs worth the money based on the car’s overall worth?

Will your overall living expenses be cheaper before or after you purchase a house?

If you wish to live independently, pay your own bills and have a life away from your familial home then no doubt, you should purchase your own flat. However, if you had been renting prior to this purchase, weigh your options first. Will the overall cost be significantly cheaper? Remember, you may effectively be getting rid of paying rent but in its place you would have to pay insurance, mortgage, utilities as well as homeowner’s taxes.

If you bought a house now, how long would it take you to save enough cash to purchase a car? (Vice Versa)

Both the car and the home are inevitable purchases in life. What you need to do is ask yourself how much money you can comfortably afford to set aside each month in order to buy one of the two.

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Independent Living Starter Pack

Finally, you’ve been able to move into your newly acclaimed affordable condo in Mandaluyong City. It surely feels great to say that you are free finally. Hooray! But we all know that independent living is not just all about the happiness and perks of living alone. If you are that person, or someone who is planning to live away from parents, relatives or guardians, for fun, here is your solo living starter pack:

I am so glad that I MADE this happen

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Other people have that luxury or blessing to be given a new house or condo unit for his or her use (yes, you are super lucky!). And it’s a different wonderful story for those who had struggled for we-do-not-know-how-many-years before they were able to get their place finally. Since from renting to owning and paying his or her dues are difficult, the return of glee and happiness is priceless. So yes, you are so glad that you made that happen!

You will remember all the hardships you’ve been through to be able to see yourself in your dream home and thinking of all the possible countless things you can do since you are now alone. Yay, excited!

Wait… am I really ready for this?

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So here comes self-doubt and anxiousness creeping in. From being so joyful and ecstatic about imagining yourself living independently, the thoughts of how will you be able to pay everything, have the time and energy to clean and cook, study and work at the same time, and much more kicks into you. This doubting stage is not just for a one moment, but it will get it into you a couple of times; possibly after a bad day, when you are sick, too exhausted or whatnot.

No worries, dear. This thought will not haunt you forever if you claim it yourself that you are really ready and your decision of living independently is nothing but correct.

Got to make my place clean and presentable

clean condo living

I don’t know if it’s just me or whenever we have something new. We want to make and keep it clean as much as possible. Moreover, you want to see your belongings beautiful and in pristine condition, because you know how precious it is for you and how hard it was before you finally get it into your hands. Same as with your new house, you do countless hours of cleaning and keeping it nice. Yes, hardworking!

Then that day of laziness

tired condo living

It’s not every day that you will choose to pick up the broom and sweep the floor, if it is, good for you and your home. But for those who struggle to get up and cook for themselves, there are times you would rather go lazy than tired. We all deserve a break and pamper ourselves in whatever way we are used to – not cleaning the house, ordering food instead of cooking, lay down and have a movie marathon – yes, whatever!

Your old things are still there

teddy bear condo living

Your favorite stuffed toy and lovely pillow are still in your bedroom. Your good-old cabinet also moved in with you. Of course, for practicality, you don’t need to have everything brand new. There are things you can leave with your previous home but decided to take it with you. Why? Because you need that sense of comfort, belongingness and companion to a “whole new world” in which you don’t know anyone but your old things. These materials will also give you the vibes of the home of your “faraway previous home” in your “new home.” Nostalgia and tears are coming right up!

And of course, a lot of adventures!

adventure condo living

No explanations needed. It’s for you to discover yourself.


So we hope that you were able to see yourself in this basic independent living starter pack. What’s in yours?

What You Need To Know When Buying a Luxury Property


Every one of us dreams of living in a luxury home, right? Who wouldn’t like that? When it comes to choosing the right home for us, we would always go to a place where we feel happy, satisfied and be proud of. Of course, whether you are living in Ayala Land Condominium Taguig or any other Philippine properties, you can feel comfortable when you have the right atmosphere in your home.

But if you are a kind of person who cares about his/her welfare, then investing in a luxury home would a good idea for you to make. Obviously, we are not talking here about investing in a million or billion worth of property. I’m sure, not all of us can afford. A luxury home is not just about its elegance and value, it also implies who comfortable and satisfied you are with your home. To give you an idea, below are some qualities you should invest to have a luxury home on your own.

Invest in a property from a trusted developer

Never invest in a property where its foundation is not strong enough. Before deciding to have that particular property, make sure you know who the developer is, to make sure that they can be trusted when it comes to the building’s firm foundation. Moreover, you will feel at ease knowing that the place where you live will not easily be destroyed when it comes to earthquakes and any other accidents.

Invest in a property that promises a high rate of long-term returns

Since people living in the Philippines has a high purchasing power, and a growing market for health and wellness traveler, the demand of the luxury properties are also growing, and high demand for luxury properties is increasing. That means the value of each property would also increase each year. And if you are one of those people who would like to invest in a luxury home, this is now the time for you to invest. You don’t know, the value of the properties next year would increase which makes it hard for you to afford such.

Invest in a property that you will like and enjoy.

Don’t ever decide to invest in a property for the sake of having one. Of course, you don’t want to regret the choice you made, right? That is why, before anything else, you have to make sure that you know what you want when it comes to the features of the property you would like to have. Moreover, investing in a property of your choice is one of the many ways you can feel happy and fulfilled. Of course, investing in a property can also be one of your successes in life.

The property should have the capability to earn even while you sleep

Some of us here would like to invest in a particular property to make some extra income. Well, talking about renting it out. Of course, this is also one of the many ways you can take advantage of the property that you have. As an investor, you also have to make sure that it is not just about you, liking the place. Make sure that any people who would like to rent your unit can also feel happy and satisfied with the quality of service and facilities available around. With that, tenants would love to stay longer in your place.

The property should come with a solid investment plan

Always remember that owning a home is an investment. That means, you have to make sure that you are what you will not go to waste. Yes, if you are not careful enough in choosing the right property, there are tendencies that the management is not that capable in giving their clients the best facilities and services they have. As a result, you definitely might not like living in such place.

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Why Living in a Smart Home is a Wise Choice

One of the dilemmas homebuyers usually faced is on where and what kind of property they want to live in. Of course, since there are hundreds to thousands of property in a real estate Cebu, choosing one might be hard on your end. However, if you really have a goal in mind on what kind of house you want to stay, then it might be an easy thing for you to do.

Yes, there are thousands of houses we can choose from, and each of the houses has its own quality of the building design and/or style. It has their own respective model and preference for the homebuyers to choose from. There are properties that we cannot guarantee our safety and security, while other property gives us the feeling of belongingness of the place.

If you are a kind of person who has concerns when it comes to living in a peaceful and satisfying life, then choosing to live in a smart home is one of the best things that you can do. Of course, it might not be an easy task on your end, however, if you just know what you want to have, then you will be fine in choosing the right place that perfectly fit on you.

1. You don’t have to disturb your kasambahay or any family member to open the gates at 3 in the morning.

Ok let’s admit! There are just times that we feel annoying when someone who keeps on calling you whenever they want to get in to your premises. Of course, you have to get out of your house just to open the big gate that you have. However, if you have an automated gate, it will be easier to open the gate – well, with the remote in hand.

If you don’t have an automated gate, then you have to make sure that the gate that you have in your home have a small gate that is intended for the people to pass through. With that, it will also be easier on your part to open the gate.

2. You can save more money on your monthly electricity bill

One of the benefits that you will have when you are living in a smart home is that, you have to say goodbye to an old light bulbs that are installed in your ceiling. Of course, when we talk about living in a smart home, the lights that you have in your home also matters. With little and/or modern lights that are installed, it will give you a low energy consumption.

Well, if your light is still the old light bulbs where it can eat up too much of your electricity, then there is the need for you to change it into lights that are low in consumption. With that, you will definitely save more money.

3. You are key-free every day

If you are a kind of person who usually forgot his/her keys at home and/or any other place, then it is a must for you to have security pass on your house without using any keys at all. Of course, this is one of the benefits that we can enjoy when we live in a modern generation where having a high-tech gadgets are possible.

Moreover, having this kind of security installed in your home is going to be safe for you and for your family. Well, you just have to make sure that you remember every detail of your password for you to get inside of your house.

4. You will have a neat, seamless interior design perfect even for families with rowdy toddlers

This is one of the reasons why you should choose to live in a smart home. You will definitely love the interior design of the place – on how the things and/or furnitures are perfectly and neatly arranged, on how they perfectly fit everything in a cozy way of arranging.

With these arrangements in your home, you will definitely have no room for regrets since the place is already all set for you, and is ready for occupancy. All you have to do is carefully arrange your own things for as not to eat up too much of your space.

5 Landscape Designs for Backyard Transformations

The more beautiful your backyard is, the more you want to stay at home and relax, right?


Of course, who doesn’t want to have a beautiful and relaxing backyard? Fortunately, you can now have  your own backyard and confidently invite your friends over in Amaia land Lipa. Well, they say, your house mirrors your personality. What’s inside and outside your house also reflects on who and what you are. There are actually a lot of landscape styles you can choose, depending on what you want to do with your backyard. If you are a person who really loves nature, you can have a garden backyard. If you are a simple person and don’t want things to be complicated, you can also have a simple yet elegant style of landscape. If you don’t know what style you want for your backyard, you might want to try these.

Japanese Garden Style

SANYO DIGITAL CAMERAimages (1) When you are into a Japanese type of culture, you might want to have a Japanese garden style. This landscape will give you a relaxing and peaceful environment. Nature lovers will also love the Japanese garden style since it symbolizes nature elements which include the rocks, water, plants, and ornaments. There are also different types of Japanese garden style. You can have the style either more into greens or plants or you can also have more to rocks than plants. It will always be your choice to what suits your liking. You don’t have to worry when you have to choose one of the styles since both has serenity and peacefulness of the Japanese garden.

Modern Landscape Design

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If you are a person of today who is more into modern and elegant type of style, modern landscape design will surely suit your taste. Elegantly designed structure and furniture are the usual things you can see when you choose the modern landscape design. You can always choose what furniture you can add up to make the place more modern and elegant to look at. Usually, modern landscape design focuses more on to the structures and design than the plants. Concrete, metal, and wood are the materials mostly used for the landscape.

Tropical Landscape Design

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If you want to go to a tropical place, yet you don’t have the luxury of time to travel, why don’t you try creating your own tropical place in your backyard. The Tropical landscape design creates a whole new place and a tropical vibe near to your house. The tropical plants like the coconut or palm trees and with swimming pool which looks like naturally created. And don’t forget the hammock swing, these will surely give you a relaxing and satisfying feeling. This is also one of the best places where you can hold a party and unwind with your families and friends. With this tropical ambiance in your backyard, you will all surely love the place.

Country Landscape Design

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When your parents, grandparents or relatives who are planning to retire, putting up a country landscape design in your backyard is a good idea. Country landscape design focused on the old or traditional structures and the things added in the place. This landscape will also give you the feeling of a fresh and clean ambiance where it will surely make you feel relax. You can also add antique furnitures to make the place more beautiful. You can also plant flowers; raise animals and other activities like what people usually do in the provinces.

Formal Garden

Formal Garden Herb03

Formal garden is usually made when the backyard is spacious and big enough to make the landscape. Usually, formal garden had plants with straight or geometrical shapes. The plants were uniformly and creatively managed to make a fascinating view out of the plants. Professional garden designer is mostly the ones who know how to creatively make a formal garden design beautiful to look at.

7 Amazing Ideas for Backyard Transformation

“There is nothing like staying at home for real comfort.”
           -Jane Austen-


Nod if you agree on what she said. Of course! That is why there are already affordable homes for sale where we can live and enjoy our lives to the fullest. There are a lot of things we can do inside and out of the house. Like decorating and beautifying your house are one of the things you can do to make it livelier to live in.

And if you are a kind of person who wants to do and transform old and junk things in your backyard, you might want to try doing these ideas for your backyard transformation.

Flower/Vegetable Garden

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              flower garden

vegetable garden

             vegetable garden

To those people who are for the nature lover, you’ll surely love the idea of putting up a mini garden in your backyard. It doesn’t just add beauty, but it also make and help us feel relax and better each time we look at it. With plants and flowers in our backyard, waking up every morning is always going to be breathtaking.

You can also have a vegetable garden, in that way, you can always pick some vegetables any time you want. It is also nice if you add variations on your plants to make it more appealing.

Swimming Pool

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Who doesn’t love swimming? Especially when the weather is hot and you want to chill, swimming can be the remedy. You don’t need to go too far when you have a pool in your backyard. With this, you can invite friends to have a night swimming together. It will be fun especially for kids; they will also love this idea.

Hammock Swing


This is one of the things you’ll definitely love to have. When you are into for an afternoon relaxation, having a hammock swing can make you feel relax and comfortable with it. It gives you the feeling of satisfaction that you may want to go to sleep. Relaxing, isn’t it?!



Who says you can only have camping in the mountains or in the beach? Of course, you can surely have camping in your backyard. Camping in your backyard is fun, and it also gives you the feeling of having a new scenery or view aside of your room. It is also one way to bond with your families or friends. You can have a picnic or a barbecue party perhaps. Try it and you’ll love it!

Mini Theater



f you are sick and tired of sitting and watching a movie on your TV set, why don’t you try another way to watch a movie? You can put up a mini theater in your backyard. If you have a projector, a white cloth, a speaker, a mini bed with a blanket and a small pillow and a snack to eat – then you are now all set.

It is one way to watch a movie in a different and new ambiance, rather than sitting in a boring couch in your living room. Try it!

Simple tree-house


Kids will surely love to have this. Spending their free time drawing reading or playing with their toys, they will surely love to do the things they like in the tree house. Well, it doesn’t need to be like a real tree house, for as long as kids would love to stay and do whatever they want to kill some time.

Fire pit


There will always be an advantage when you have a fire pit in your backyard. First, it provides heat at times when the weather is cold, and second, it attracts and adds beauty in your backyard. Inviting your friends over for a chat is a good idea and a place to bond.

Nightmares in Buying a Condo

It is everybody’s dream to have their own condominium. I know you want one too! Fortunately, there are already affordable condominiums for sale in the Philippines. Yes! It is a good news!


The environment, the lifestyle, and the convenience are one of the things you can experience when you have a condo. Some people will say that if you have a condo, your life will get better. Agree? Perhaps, that is one of the reasons why people are now planning to buy and have one.

There will always be a caveat in buying and choosing a condominium, which is why it is important to know and be careful in buying and choosing a condo. Here are the things that most people had experienced before they own a condo.


This is one of the reasons why we are so afraid of trusting people and companies especially doing and transacting something with them. We can’t say or pinpoint people or companies that are scam since they persuade and puts up a façade to be more convincing which gets our attention and trust easily. They can also persuade you with impressive words and offers you great deals for you to buy their products and accept their offer.

And when we are trap in their schemes, we feel frustrated and disappointed. Some people do things to the extent where they can just have the refund and bring back what they lost, and other things that can make the situation more hassle and chaotic. As much as possible we want to avoid these things.

A friendly advice:

Before consulting and trusting a company or a person, have a background check. By researching their company background, you will know what kind of company they are. Reading their company reviews or comments will give you an idea whether they are trustworthy enough to help you in choosing and buying a condo.

A little investigation of the company will give you no harm, it is making sure that you are in good hands when you choose and buy a condominium. We all know it is not easy to trust especially when it comes to a lot of money matters.

Slow processing of documents

Hundreds to thousands of people are buying a condominium every year, it is expected that there are also hundreds to thousands of documents that needs to be processed. Especially when there are a lot of holidays adding up, no work, no processing of documents and more and more documents are piling up. What more would you expect? Well, patience is always a virtue. So, try to enjoy and wait!

Of course, that situation is acceptable and reasonable, you may say. But what if the company you transacted, is just way too slow in processing your documents? Wait one month later. One of your documents needs to be reviewed further, wait for another two more weeks. Ugh! I know you hate to wait especially when you already waited long enough.

A friendly advice:

When the company you transacted, is too slow in processing your documents, you have to constantly follow up on the progress of your documents. Do not just wait for their call, because sometimes, they can also forget about it especially when there are also other documents to be processed. And when they do, it will take you more than a month to wait.

Constant followup on the company may give them a heads-up that your documents need to be processed. And by that, they might give you a priority over the others. Try it, it works! Just don’t be rude.

Hidden add-ons

Most people, if not all, usually avail promos or packages in buying a condominium. It is also one way to save more. The company will give sets of packages that you can choose on. They will also give you the total amount and the breakdown of the payments.

Sometimes when everything is set, later will you know that there will be hidden add-ons that must be paid. Of course, you can’t say no since you already have your full or initial payments. Situations like this give us headaches and disappointments especially when the budget is tight.

A friendly advice:

When you avail promos or packages, you have to make sure that everything is clear. From the things that are included in the packages to the down payments, there must be a clear and visibly written agreement in every transaction.

There is no wrong if you make certain to every transaction that you make. It is just to make sure that there will be no further problems and confusions that will occur later on.