If you’ve been thinking about investing in property but are daunted by the prospect, our simple step-by-step guide will get you started on the right footing. First, it’s important to point out that although some people do make a quick return, investing in property shouldn’t be seen as a get-rich-quick scheme. Like any serious enterprise, you have to commit to a long-term strategy.

Property Investment for Beginners

Assess your Finances

Knowing where you stand financially is a good place to start. Make a list of your assets, savings and income, and deduct your expenses to get an overview of how much money you have to invest. Hopefully you have some disposable cash, but having a steady income and a stable employment history is even more important when it comes to seeking a loan to invest in property.

Make a Plan

Before applying for finance, you need to work out some kind of property investment plan. What do you hope to achieve with this enterprise and over what period? Are you hoping to make a full time business out of property investment or do you want to operate part-time and grow your portfolio gradually? Articulate your plans clearly as this will help keep you grounded instead of simply dreaming of potential profits. A detailed plan will also impress would-be lenders more than mere wishful thinking. Also, bear in mind you will have to make connections with electric contractors like Gorden Powers, masons, and other labor to update the property from time to time.

Check out the Market

You can quickly get an idea of the different types of properties for sale by searching online. At this stage, you’re just trying to get an overview of the market and see how much a villa sells for in one area compared to a similar sized property in another location. How much are apartments selling for on a like for like basis, and how does the price vary from area to area? If possible, go and look at properties and different areas yourself as this will give you a better picture of the neighborhood and amenities in the area. Another good idea can be to rent a room first so you have a base from which to explore the market.

Buy to rent or buy to sell?

At this stage you may not be sure what type of property portfolio you want to develop, but it’s important to consider the pros and cons of each sector, including the tax implications. Typically, buy-to-let properties such as apartments is a long-term strategy, whereas buying and selling a villa may offer a quicker return on your investment. Speak to other investors or property experts to learn what the average yields are on rents compared to the average return on capital on selling properties. Over time, you may decide to have a mixed portfolio of both types of properties.

Arranging Finance

Now you’re ready to speak to your lender and start talking figures. Most banks will have a dedicated property finance advisor who can help, or you can approach a mortgage broker to see what’s available in the market. If you have a specific property in mind already, you can apply for a loan, or you may want to seek pre-approval on a loan first. This is a critical stage of your journey to becoming a property investor, so make sure you fully understand what’s at stake. You can also go for a hard money loan, it is a specific type of asset-based loan financing through which a borrower receives funds secured by real property. Hard money loans are typically issued by private hard money lenders such as North Coast Financial or from many other companies.

Location is Key

It’s one of the bywords of buying property and a bit of a cliché, but never underestimate the importance of buying in the right location. Again, this comes down to doing your homework and knowing what areas are hot, which ones are not, and being able to spot which areas may be on the up. To begin with, err on being conservative by buying in a good area. The return on investment may be modest, but it’ll keep you in the game and you’ll start to learn the business from the inside out. And remember, property investment is a marathon not a sprint!

Many homeowners long for more space in their home, but believe they are restricted to their property’s size. Yet, they don’t have to be. Thankfully, there are a range of ways you can transform the space. Read about the different options to extend your home.

Extend Your Home

Rear Extensions

Homeowners often turn to property extensions to expand their home’s size and boost the value of their property. Depending on the size, you may have to apply for planning permission to extend your property, which you should discuss with a reputable local builder or architect. Many turn to extensions to enhance a kitchen or dining area, and you can choose between a traditional or modern design.

A Two-Story Extension

Do you have a large budget? If so, consider extending both the ground and first floor. It is the ideal solution if you require more space but don’t want to move out. You can therefore create a larger home that will provide more freedom within the home, while adding a considerable amount of money onto the property’s resale value. Yet, it can be challenging to receive planning permission, which is why you should consult an experienced architect to create a design that will be accepted.


Do you live in a property with rather high ceilings? If so, consider incorporating a mezzanine into your home. The new space could therefore be ideal for a new bedroom, entertainment area or home office. It’s often a cheaper solution in comparison to extending a property and you may not require planning permission unless the property is a listed building; however, the construction must comply with building regulations.

A Juliette Balcony

Boost space and natural light within your property with a sleek and modern Juliette balcony. You could even take the design to the next level with folding full-height glass doors, which will give the illusion of more space while offering unobstructed views.

A Side Extension

Do you have a small back garden? You probably don’t want to impose on the garden’s size more than necessary. It might therefore be a wise idea to add a side extension onto the home. Many properties often feature a long, narrow area at the side, which will provide next to no benefit. A side extension could therefore be an ideal solution, but you will need to apply for planning permission. It’s the perfect option for those wanting to enjoy a seating area or create an open-plan kitchen and dining room.

An Attic Extension

Do you have a loft that is going to waste? Transform the space into a new bedroom, bathroom or home office that will allow you to enjoy a bigger and better home. An attic extension could be cheaper than moving to a larger property, and it can also increase the property value.

Have you successfully extended your home? Are you set to expand on your property? Share your informative advice and stories in the comment section below.

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You can get a serious return on investment by putting your money into real estate. While this venture isn’t for everyone, it can be a rewarding route for the right investor. Consider the various facets of investing in real estate and determine if this is the right financial move for you.

Guide to Investing in Real Estate

Form a Plan and Get Your Capital

You need to set specific goals when it comes to your real estate investment. Do you want to buy units and become a landlord or are you more interested in buying and flipping houses? With specific goals, you’ll be better able to create a detailed business plan that sets you up for success.

Finding the right financing is a crucial piece of the puzzle. Real estate doesn’t require a huge sum of personal capital; there are many financing options to choose from. You can pursue traditional means; however, banks and financial institutions have tightened the reins on loan approvals, and you may need to pursue less conventional methods.

You can go through a hard money lending company. This route offers more flexibility than traditional loans; you can access the financing you need within a week’s time—as every seasoned real estate investor can attest, time is of the essence when it comes to lucrative opportunities. This is especially true in saturated areas where real estate opportunities come and go in the blink of an eye. Consider Southern California. Getting a great property in this area is akin to finding a needle in a haystack, so if you find one, you’ll need to jump on it quickly. Accessing funding from San Diego, Los Angeles, or Orange County hard money lenders in your chosen area could give you the competitive edge.

Whichever financing option you choose, The Balance’s Joshua Kennon recommends not putting the real estate in your own name. “Instead, for risk management reasons, consider holding real estate investments through special types of legal entities such as limited liability companies or limited partnerships,” he explains. That way, you’re protected if the investment goes belly up or someone slips and breaks a bone on of your properties and decides to sue you. At the very least, you’ll recoup the money you invested.

Shop Around

Shopping around is a true necessity when it comes to being happy and successful in real estate. Shopping for your first real estate investment is exciting, but you can’t let your enthusiasm get the best of you. In other words, don’t buy the first place you see! Get the opinions of those who have been in real estate for years. They might shed some light on a property that you haven’t yet considered. You might even consider joining a real estate group, as you’ll learn about the industry and may get inside scoop on upcoming properties for sale.

Did We Mention Location?

As the saying goes, real estate is all about location, location, location. In fact, many will tell you that it’s best to buy a mediocre property in a good neighborhood than a great property in a bad neighborhood. The other benefit to a great location is that it usually means it receives a lot of foot traffic—if your tenants do decide to move out, the most you’ll likely need to do to rent it again is stick a sign in the window. Easy peasy!

Get Your Ducks in a Row

Okay, you’ve now got your first real estate property. Hopefully you realize that all the maintenance and other issues fall to you! If you’re a DIYer who watches HGTV 24/7, this could very well be why you got into this type of investing. However, if home improvement, gardening, landscaping, and the like aren’t your bag, you need to find the means for outsourcing these tasks. And if you’re not located close to the property you just purchased, you need to assign someone to be on call if and when the tenant(s) have issues.

Real estate investing isn’t something to take lightly, but it’s also not something you need to shy away from if you haven’t done so in the past. Take a class, consult with other, more experienced real estate professionals around you, and generally immerse yourself in the field. You’ll be an expert in no time!

If you are looking for a new investment opportunity, consider investing in a rental property. Typically, a rental property appreciates in value over time and provides you with a steady source of income—ideal for anyone looking to retire from their standard Monday to Friday career.

Guide to Being a Landlord

Of course, becoming a landlord is not exactly easy and requires a great deal of work and a lot of time. Consider the facets of this career before taking the plunge into the world of real estate.

Being a Landlord is Seriously Hard Work

If you’re looking for something that requires very little effort, becoming a landlord may not be the right avenue. You are responsible for anything andeverything that happens to and within your rental property.

Having great tenants and money come in every month is great, but it probably won’t happen steadily for a little while, so you need to have a good amount of funds set aside at the beginning. You’ll need to account for mortgage payments, home insurance and property taxes, as well as any third-party assistance you may require. There are also maintenance costs such as repairs, garbage collection, gardening, and plumbing costs. Don’t forget to consider the cost of vacancy and turnover; when someone moves out, you have to do a total overhaul of the unit, meaning you’ll be missing out on rent until you fill the space with a new tenant.

Start Out Small

You might think that your business plan is bulletproof (and you better have a business plan, by the way!), but choosing an entire apartment complex as your very first venture into being a landlord is not a wise move.It’s almost always better to start small, maybe with a single-unit home, and gather additional properties as you progress.

Be Selective with Location

One of the biggest mistakes you can make: investing in a rental property from out-of-state, never having actually experienced the neighborhood or seen the building. Unless you want to get stuck owning something that isn’t actually up-to-code or is located in a crime-ridden neighborhood, do thorough research into every area you’re considering.Alwaystake several trips to see the area and building in person.

Realize That You Don’t Know Everything—and Ask for Help!

You should always be willing to seek advice from other professionals, like realtors, lawyers and property management companies. Oftentimes, rental property owners will hire property managers to help them deal with the day-to-day details, such as maintenance requests and rent, so do not be afraid to seek some professional help when needed.

Think About Your Tenants

The quality of your tenants plays a vital role in success. Finding good people to rent your units (and keeping them) is one of the most important things you can do to ensure a profitable real estate investment.It’s crucial that you pay attention to what is expected from modern rental units. For instance, if you’re asking for peak rental prices, but still have outdated carpets in the unit, good luck finding a tenant to sign your lease. Once you’ve attracted a cache of prospective tenants, do your due diligence in screening. Use a company like MySmartMove to run a detailed renter credit check for landlords to ensure your prospective tenant can keep up with rent payments and stick to their commitments.

After placing a high-quality tenant, do all that you can to retain them. In the end, a lot can be said about common courtesy and attentiveness. A tenant is much more willing to put up with outdated fixtures if you are kind and understanding when they need a little leeway and always responsive to maintenance requests. Dealing with a vacancy is costly, so never take your tenants’ happiness for granted.

Investing in real estate can be a lucrative move. If you’re considering a career change and want to try your hand at the landlord game, keep these essential tips in mind as you get started.

Plants can not only make your room bright, it can boost up your mood too, help you to relax and it also can clean indoor air too. There are various toxic chemicals present in our homes and to get rid of the toxic air, it’s not very easy to do so. Though, there are various options available in the market, however to keep indoor plants is one of the easiest and cheapest options to get fresh air and also make your indoor space brighter.

Air Purifier Indoor Plants

Let’s have a look to the list of indoor plants for making the air fresh and clean:

Peace Lily

peace lily

Image by Pixabay

Among other houseplants, peace lily is comparatively smaller in size but contains some vital air purifying abilities. This plant is very easy to take care of, but make sure you are placing them under a shade & don’t let the soil get over heated. Try to keep them moist always. Though it can provide some flowers during summer, however like other flowers, these flowers also supply some scent as well as pollen too.


indoor palms

Image by Wikimedia

The palm, also quite popularly known as Palmae or even Arecaceae is well known name as an air purifying plant. It takes very little effort to grow it indoors and can easily enhance your mood in a grey environment. Palm has the ability to expel chemicals like carbon monoxide, benzene & formaldehyde. By placing this plant in your home, you can effectively get your air clean, especially if you have family members with a smoking habit.

Golden Pothos

Golden Pothos

Image by Flickr

For a new indoor gardener, this plant is a perfect choice. It doesn’t need much caring, it can easily digest every kind of negligence but on the other hand help you to purify your indoor air and improve its quality. Sometimes people buy philodendrons as Golden Pothos, which is also a same kind of house plant.

English Ivy

Image by Pixabay

This outdoor plant has a strong ability to harm the outside of your house as well as damage the gutter. However surprisingly the moment you place them inside your house it turns into an air purifier. Because of its climbing feature you can use this plant to add some extra touches to your indoor living space. Part shade and part sun light is English Ivy’s characteristic. During winter infrequent watering will help it to stay healthy. According to NASA, English Ivy is one of the best houseplants which can purify your indoor air quality.

Aloe Plant

Aloe plant

image by publicdomainpictures

We all know about the healing properties of aloe. When you apply it on burn, cuts etc., it will give you some soothing effect. Nevertheless it can also have a positive influence on the air quality of your home too. It’s able to remove harmful chemicals from air and give you a fresh purified air. Make sure you put the plant under sun light, which is the best option for its healthy growth.


Indoor Fern

Image by Wikimedia

Fern has a reputation of being a very common type of plant. However people have no idea that this extraordinary plant has been surviving since the prehistoric period. Their feathery, smooth soft leaves are something people really love to have in their homes. On the otherhand fern is able to remove toxic chemicals like xylene (which are common in glues, nail polishes and in paints) as well as toluene from air.



Image by Flickr

From a long time this plant has been quite famous as an indoor garden plant. It has two varieties, vining and non-climbing. Except under extreme sun, you can grow it anywhere in your home. Along with air purifying quality, their extraordinary color is able to put some extra touches to your room. They are extremely capable of removing xylene from air. To keep them healthy you need to store the moisture in the soil, however don’t make it completely wet or even fully dry.

Electric work requires utmost care and knowledge. You can’t just hire any electric contractor out there and feel safe. To help you out in this scenario, we have brought our top 8 tips to hire an expert electrical contractor in Sydney.

How to Choose Electrical Contractor

1. Understand What You Need

Knowing your needs exactly can help you find the best electrical contractor. Are you simply finding someone for lighting control system, or do you need a professional firm offering a range of electrical services? For a one time job, you can hire anyone in your locality, however, if you need corporate solutions, preventive maintenance and energy management services, you definitely need a professional electrical company.

2. Do Your Research

Ask your friends and family about the best electrical contractor in your area. Moreover, find contractors online and read user reviews. Also, check review sites like Yelp, Trustpilot etc, and read user’s feedback on electrical services in your city. Such sources will help you in narrowing to three to four contractors. It is also wise to give preference to local contractors, including plumbers and builders, as they will be easily available for work at cheaper rates.

3. Ask as Many Questions as You Like

A professional electrical contractor would be happy to answer any questions you may have. Ask the electrical contractors you have narrowed down to provide you quotes and compare their prices. Then ask them about their speed of work, the number of workers they will allocate to your work, the estimated deadline for the completion of work and so on.

4. Do Not Hire on Price Alone

An electrical contractor may offer you competitive rates, but that may not guarantee their professionalism and high-quality work. A reputable electric contractor can be costly, but you can trust their high-standards. The price does matter, but not on the cost of low-quality electric work.

5. Check Their References

Ask the electrical contractor for previous work references. Contact the references and ask them about the work quality, meeting deadlines and reliability. This gives you a good idea what you should expect from the contractor you are going to hire.

6. Find out if They are Licensed, Bonded and Insured

It is important to find out that your electric contractor is properly licensed, bonded and insured. This will protect you against any damages incurred in the project. Furthermore, it would ensure that the electricians who work on your project are skilled and experienced.

7. Choose the Deadline Wisely

Discuss the target completion date with your contractor and come to a compromise. Both parties should be flexible and easy going during this discussion to avoid any unnecessary conflict later on.

8. Get Everything in Writing

The terms and conditions of the electric project should be put on paper before the start of the project. This will protect the rights of both parties. The contract must include the nature of the project, the completion date, the estimated cost for the project and signatures of both parties. Keep the proposal safe, it will be required for reference during the project. In case, the firm breaches any term of the contract, you can sue them.

Bringing a bit of nature inside your home can do wonders for not only your interior décor but for your health as well. Yes, the most obvious benefit of bringing the green in your living room and bedrooms is more oxygen, as these green natural filters will suck CO2, making your home’s atmosphere refreshing.

House Interior With Flowers

There is much more that different flowers and plants can offer. Flowers for Everyone has explored a few options for your house, let’s take a look at them:

Soothing and Calming Effect

Plants and flowers like Basil and Lavender have a soothing effect thanks to their sedative aroma. These plants contain linalool, the magical compound that not only enhances the taste of dishes, but its aroma also soothes the tiring nerves. Jasmine also contains the same compound, so the magical trio of Basil, Lavender and Jasmine can be a colorful accessory in your living room.

Other beautiful options can be African Violets; they can stimulate adrenaline release and improve oxygen flow to brain, thus relaxing and soothing the onlooker. Or you can go with the legendary Chrysanthemum; the dual colored flowery plant is not only pleasing to look at, but also a great air purifier, as it can filter out benzene from the air. It needs to be kept in direct sunlight, so placing it near windows is the best way to go.

African violet

Image by Wikimedia

Feeling Love

Roses, the ultimate expression of love, can lift the spirits and mood. Though the scientific evidence to support its kinship in romance might not be available, it is a pure delight to look at and its aroma is divine. Since this beauty comes with thrones, we recommend placing it higher, out of reach of children, preferably in hanging pot.

If you are not completely sold on roses, then Geraniums can be a nice alternative. They lack the dreaded thrones, have a relatively sublime aroma that is similar to roses and are bright red like their thorny counterpart.

Air Purifiers

That’s where some plants outshine others, namely Orchids and Peace lilies. These magenta beauties purify the air, get rid of moisture and improveair quality. To feel refreshed you have to breath fresh. You will also notice that you are much calmer, focused and stress free with these hanging in your bedroom.
There are others that can also make the cut for ultimate air purifiers like Spider plant and Dracaena, but none are a charm to look at, except green.

If you want the absolute best in air purifiers, then look no further than NASA-Approved Boston fern. This tiny marvel is not too shabby in looks despite lacking ornamental flowers, but can purify your home’s air of 1900 toxins in an hour alone. Plus, it’s totally safe for your cat.

All of the mentioned plants come with inherent air purifying trait, some are pleasing to the eye and add the enthronement with their unique aroma, while others are strictly practical. You can mix and match for a unique look that flows well with your interior.