Rants and Raves of a Bum: November 2017

Ok, so it’s not even December yet, but that doesn’t mean you can’t begin to think about the sort of start you want to 2018. New Year’s resolutions are renowned for their fickleness. We begin with good intentions and our quest to go to the gym more results in us heading to boxercise twice a week after work and venturing to spin class every Saturday morning throughout the whole of January. However, by the first week of February we’ve swapped the cardio for the candy and the fitness regime has gone to pot. However, you can make 2018 different and have some New Year’s resolutions that you can stick to.

Keep Fit

Everyone has at least one resolution that involves health or fitness. You might want to lose the extra few pounds that you put on over Christmas, or you might want to tone up and improve your endurance. The key aspect to sticking to this goal is to have a measurable aim. Don’t simply say you want to lose weight. How much do you want to lose? Four pounds? Ten pounds? Twenty pounds? By quantifying your goal, you’ll be able to see measurable impact which will motivate you to continue.

You also need to have a plan to demonstrate how you are going to achieve your resolution. Don’t assume that you have to head to the gym to get more exercise. You might want to spend more time outdoors and embark on a long walk every weekend. If you’re keen to stop smoking, you might want to consider using e cigarettes instead to cut out the tar and nasties rather than going cold turkey. If you’re keen to cut down on your alcohol consumption, you might decide to limit your visit to the pub to just once a week. Formulating a plan will save you from floundering and succumbing to the temptation of a chocolate bar or tub of ice cream.

A Fresh Start

Often a resolution will represent a fresh start in some way or another. You may be keen to move house, find a new job or get a new hairstyle. The idea of reinvigorating ourselves in some way at the start of a new year is nothing original, and it can be the perfect excuse to try something different. If you’re keen to relocate or search for that elusive promotion, ensure that you start getting the ball rolling in the first week in January while you are enthusiastic.

Relationships

All too often people make a resolution to find love. This is more of a wish than a resolution, but it’s a great aim all the same. Just remember not to put too much pressure on this goal. If you are forever hunting for love, you’ll lose sight of everything else that life has to offer. It’s ok to be on your own. Love will come along when you’re least expecting it.

The new year is the perfect time to consider where you are in life. As long as your New Year’s resolutions are measurable, purposeful and help you live your life to the fullest you should be able to stick to them and see your 2018 start as you mean to go on.

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Considering how wealthy real estate can potentially make you, and the fact that it’s usually referred to as “passive income”, it’s no surprise that people consider it as a way to make their money. Unfortunately, like most investments, real estate is a tricky and dangerous game. If you’re not careful, you could end up losing all the money that you’ve invested. You also need to be incredibly hands-on and work hard with real estate, which is something that isn’t common with other investments. If you’re not already put off then be sure to read the tips below before you decide if real estate is for you.

1. Do Your Research

The last thing that you want to do is jump into real estate with your eyes closed. Forewarned is forearmed, so you should gather as much information on real estate investment that you possibly can. Look online, read forums and articles, speak to real estate agents, mortgage brokers, and other investors. You can also check out books on real estate investment, as well as the rest of the tips below.

2. Be Sure You’re Handy

There is absolutely nothing “passive” about owning a rental property, in fact, you need to be incredibly hands-on and work incredibly hard. If you don’t know your way around a hammer or a toilet plunger, then you’re going to struggle to be a landlord. You’re going to be the person to call when your tenants have a leaking tap, a stuck door, or a crack in their plaster, so it’s important that you know how to deal with these issues. Of course, you could pay someone to do this for you, but this will quickly get expensive.

3. Pay Your Debts

If you already have debts, like unpaid medical bills or student loans, then you should consider paying these off before you purchase a rental property and put yourself in even more debt. The same goes for if you’re going to have to pay out for anything large in the near future, like Christmas, a holiday, or sending one of your children to college. It’s much better to get these expenses out of the way before you even consider purchasing a property. If you need advice on how to pay off your debts, then visit clark.com.

4. Have The Cash

Even if you haven’t got any current debts or large expenses in the near future, it doesn’t mean that your financial problems are over. You also need to find the money for a down payment, repairs, maintenance, and your living expenses. You can’t start a real estate empire with no money, it simply isn’t possible, so you need to consider if you are financially stable enough to purchase a rental property. You must also remember that the down payments on rental properties are usually much larger than of owner-occupied properties.

5. Increase Your Credit Score

Your credit score is going to determine whether or not you get accepted for a mortgage, so it’s important that it’s in good shape. If you don’t have a great credit score, you will need to find ways to improve it before you can even think about buying a property. A great way to start is to pay off any of those debts that I mentioned earlier. Make sure that you are actually paying this off, rather than using other loans or credit cards to pay it off. This is just moving your debt around, which won’t do you credit score any favours.

6. Start Low-Cost

If you’re new to real estate investment, then it makes sense for you to start small and work your way up to larger and more expensive properties. Find yourself a relatively low-cost property to start off with (no more than $150,000 to $200,000), and once you’ve got a tenant, and have wrapped your head around what you’re doing, you can work up to larger properties.

7. Avoid Fixer-Uppers

Fixer-uppers tend to be a lot cheaper than other properties of a similar size and in a similar area, which might make you think that they’re a better option, as they’re the cheaper option. However, this is a bad idea for your first rental property. If you don’t know what to look out for, you will likely end up having to spend a lot more money on repairs and renovations than you saved on the property in the first place.

8. Choose The Right Location

Your location should depend on the type of tenant that you are hoping to attract. For example, if you were looking to rent to students at a university, then the property should be relatively close to the university. You will also want it to be close to public transport, and plenty of nightlife. On the other hand, if you were looking to rent to a family, you would want a property with a school nearby, and in an area with low crime-rates.

9. Use A Property Management Company

Even the most experienced property owners sometimes struggle to get everything done by themselves, after all, there is a lot that goes into owning a rental property. You need to look through potential tenants and choose one, prepare the house for them, do any repairs, collect rent, and even evict tenants. Property management companies, like vpmpropertymanagement.com, can help you with all of this and can do as much or as little work as you want them to. They will also ensure that you’re not breaking any laws, which is a risk when you’re new to renting property.

There is a lot that goes into owning a rental property, and a lot that you need to consider before you even start looking for a place to buy. You need to be one hundred percent sure that real estate is right for you before making any big decisions, otherwise, you could risk losing a lot of money. Consider your financial stability and your personal circumstances; If you haven’t got enough cash coming in, or haven't got enough time, then real estate may not be for you.

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