Real Estate Scams Everyone Must Know

No one relishes in being deceived by a trusted realtor or partner in growing your real estate Cebu investments. Though every scam story points to the scammer, it is also essential to note that each has participation. The scam can be a result of negligence from the buyer, seller or agent. Either way, no one looks forward to the event.

There are several factors involved in executing the crime - the property, documents, lenders, sellers, buyers, agents, and third-party entities. All of these can perform the violations or be an accomplice. Hence, it's best to be aware of the real estate scams in the Philippines. Below are the crimes rampant in the industry and how they operate.

Abrupt Change in Lender

The property owner receives an official notice regarding the transfer of load to a different lender. Besides the change in the lender, the letter will also inform you that your remaining balance will be carried over a different account name.

If you didn't request for any changes on your loan structure or anything connected to it, it's best to disregard the letter. Moreover, you must verify instructions before accepting any of the terms.

Bogus Buying

A woman under the alias Virginia "Virgie" Manalang had gone around Manila to trick real estate agents and homeowners into giving her cash. She presents herself as a potential buyer of a property. She says she can purchase the unit or house and lot as she is married to an engineer in Australia who sends his monthly pension. To prove it, she issues a check worth hundred thousand as initial payment. However, she initiates to draft the deed of sale and handle the transactions from there. Her acts are questionable as she asks the agent or seller for cash so her lawyer can write the deed of sale. She asks additional amount to cover attorney and notarial fees. She also requests for photocopies of valid IDs and signatures which she uses to target other real estate agents and realtors. Her check is also a bouncing check and the bank account used for it belongs to a different entity.

Copycat Rentals

The person would post an online listing of his or her rental that seems harmless at first. The photos look valid as there are images of the rooms of the unit and its amenities. Fake agents use this tactic to ask renters for a deposit without meeting them in person.

Double Sale

It may be a case of an initial buyer of the property may neglect the registering and transferring the title, or a seller accepting a higher price thought a potential buyer already placed payment.

Fraudulent Schemes by Agents

Agents advertise properties that aren't for sale or currently handled by a different agent. They offer the properties at a low price to bait people. Once the client sends inquiries on the property, the agent will claim it as sold or unavailable. He or she will then offer their own listing which may have a higher price than the previous property.

Some brokers and realtors may take advantage of their skills in selling and building rapport. They may misrepresent a property and neglect to disclose the most important details. Though it is the duty of the agent to be transparent on the pros and cons of choosing the land, condo unit or house and lot, they may not comply to close a sale.

On the other hand, other agents connive to raise their commission fees. One acts as the listing agent, while the other represents the buyer. Both the seller of the property and its buyer aren't aware of the setup which distorts the value of the property. The practice violates the Code of Ethics and Responsibilities for Real Estate Service Practitioners.

Predatory Lending

Loan sharks and small time, unscrupulous financial institutions lure home buyers and house hunters to unfair and abusive loan terms. They coerce their victims through deceptive or exploitative actions to acquire a loan. Most of the time, the forced borrowers don't need, want or can't afford the mortgage.

Property Title Fraud

This type of scam involves the use of old property titles and use it to generate fake titles. The scammer provides supporting documents keep buyers from doubting the deal. Another way of doing it is by presenting a fake title over an existing an existing property regardless if it has an owner or not. People who neglect due diligence are potential victims of this scam.

Sale of Foreclosed Properties

This scam is rampant and likely to happen with Overseas Filipino Workers (OFWs) wanting to invest in a home in the suburbs like Vermosa. Scammers, who act as a homeowner or realtor, offer foreclosed properties to potential buyers who cannot check and inspect the property (due diligence). They forge the documents to make the transaction as real as possible. Once they close the deal and the buyers are ready to move in, they disappear. They are out of reach while buyers deal with the bank.

Unfinished Developments

Lesser known developers or names you haven't heard in the industry must be taken with a grain of salt. Scams involving unfinished developments include asking for reservation fees or amortization on a property without the advertised amenities and facilities. These add-ons can also be pending or abandoned by the developer. These developers may refuse to return the money leaving the owners empty-handed.

Part of this scam is pre-sold properties with low rated that remain unfinished until the turnover date. The developer promises a different period. They move it several times until the buyer gives up.

“Too-good-to-be-true” Real Estate Champions

Individuals advertise themselves as experts who can provide insights on the market and valuable pieces of advice. They sell themselves by conducting seminars promising quick returns and strategies. They market immediate success which is far from reality.

There are also individuals posing as real estate agents. They set up a website full of property listings copied from legitimate realtors. They trick home buyers by presenting forged documents and contact information to pay a security deposit or initial payment.


You can avoid these schemes by raising awareness and spreading them to communities. That way, other people recognize the signs and report them to authorities and institutions immediately. Moreover, you must conduct your research when inquiring in a real estate property in Cavite or any place in the South. You'll have your notes to compare with your broker which can prove their reliability on the transaction.

Note: This article was first published on May 5, 2015, as "Top 3 Real Estate Scams You Need To Avoid." It was updated to raise awareness of potential buyers and sellers of real estate properties.

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Four Questions To Guide Your Financial Journey

A financial journey starts from the moment you receive a stable income. The salary from your first job, the earnings from your business after a year of operation, or the commissions from offering your skills and services to others are all sources of stable income. Though a majority of the adult population has a job, a lot of them still struggle with managing their money.

Starting as early as possible to manage finances will go a long way. It preps you for the future. You can establish an emergency fund, purchase a home in Cavite's Vermosa, or travel in style. Whichever are your goals, here are four questions to ponder on regarding your money matters.

1. "What do you want to do with your money this year?"

It helps to remember that money comes and goes. You can earn back what you lost. However, it's gone forever once you lose it. All you can do is double your effort to earn the same amount or more than that.

An adult with a stable job continues to earn their keep and receive their keep twice a month. The person will have a lot of cash at the end of the year assuming there are no expenses. Living with no expenses is the ideal lifestyle but far from reality.

To remain debt-free and keep your balances afloat, ask yourself what you wish to do with your money. Is there anything you want to achieve? Do you have a big ticket purchase on your sleeve? Do you want to travel? Think about the things you need, first then follow it with your wants. Identifying the activities involved in achieving your goal lets you create a picture of your path.

2. "Does shopping or purchasing a certain item relieve your feelings?"

Some people relish the high from finding a bargain. Others occasionally indulge in a few purchases to keep their stock in check or get ahold of the latest trends. If you excessively spend your time and paycheck on shopping, you need to assess yourself.

Shopping is fun, but it isn't a form of therapy. The rush of shopping is short-lived. On top of that, you can end up with debt that will take you awhile to pay up. You can also get into the habit of buying expensive things just to impress people.

When you know the reason behind your shopping trips, you will understand how to control your habits and spur our impulses. Moreover, you won't have to rely on spending to feel good about yourself.

3. "Do you spend more time outside with friends and colleagues than you do at home?"

The people with you can influence your spending habits. Going out to indulge in after-work feasts or late night adventures with friends can burn a hole in your wallet. It can also lead you to a costly lifestyle. Meanwhile, preferring to stay at home with family can minimize the incidences of unnecessary spending.

Being out most of the time also places you under pressure. You need to pay for everything to achieve the conveniences that are only available at home. Overspending and maintaining a break-even status can set you a few years from your financial journey.

4. "Are family members aware of your financial condition?"

Single people can easily manage their finances as they don't have to worry about obligations. They can quickly pay off a debt, apply for a loan, and rely on credit. As long as they put their mind to it, they can take hold of their destiny. They can ask their parents or established siblings to help the rut during the early stages of their independence.

It's a different story for married couples and those with children. If one of the pairs undertakes a debt, both sides have to adjust. The other person needs the support and encouragement of others. Their financial decisions will vary as they improve their lifestyle.

Thinking of finances can be stressful, so it's important to take care of yourself. Better financial health may push you to shift your life choices, but you must not neglect eating well, exercise, and spending time with people important to you.

A financial journey is a journey of the self. Take care of your body, so it takes care of the rest.

Are Condos Costly Or Not At All?

Some people are scared of buying a BGC condo for sale because they often think that buying and living in a condominium is a seriously expensive lifestyle. Is it, or is it all in our heads? The article will shed light on the most common misconceptions about the money involved in buying and maintain a condo. Notably, be reminded that a condo is not the building per se, but the type of ownership. When you buy a condo, you are actually paying for the unit in low-, mid- or high-rise building and the interest in common elements within the building.

Condominium presents itself as an easier way to access the housing market although, sometimes, it depends on the type of condo (luxury condos, for instance). First, DMCI condo ownership is not equal or close to home ownership. In the latter, you are free to change the interiors and its immediate exteriors. In the former, you need to consult the association or board first before making any physical changes.

Since the condo is a communal ownership, you need to pay a monthly association fee for the maintenance of common areas. The fee that unit owners or renters pay is collectively used in maintaining the building. Some of us think of the fees as an additional expense, but it is not. It is a monthly contribution for the building’s upkeep as well as the utilities and some amenities like cable and Wi-Fi. Imagine how much you have to pay if you have to pay for each monthly.

Be wary of condos that require high condo fees because these are indicative of poor financial management on the part of the association. Nonetheless, reasonable is a very subjective term; what’s reasonable for me may be absurd for you. Better ask the condo manager or association a breakdown of the fees, so you’d know what you are actually paying for.

Further, the monthly condo fee that you need to pay change yearly. This is because the board calculates the cost depending on the coming year’s projected cost. If there will be major repairs for the next year, expect higher monthly fees. Nevertheless, the additional amount must be justifiable and appropriate for what the condo building needs.

As a condo owner, you cannot and you should not escape the higher fees because of their impact in the future. If ever you decide to sell your unit, it would be difficult if the common areas are not well-maintained or if the floors and roofs are damaged all because the association has no funds to maintain these areas. This is because of unit owners who aren’t paying their monthly fees. The buyer will ask for a hefty discount which is often higher compared to the cost of the monthly fee and the cost of maintaining such areas. 

Some owners assume that condo fees cover everything. They don't. The entire building has to be maintained as well. So, condo associations schedule a regular assessment of the building to ensure and preserve its structural integrity. If in case, after the assessment, a major repair is required, the condo owners have to contribute for the repair. That is, if the association has no reserve fund for such.

Assessments are not an additional expense as well. These are conducted to ensure that the dwellers are safe and secure. You buy a condo because of convenience, security and amenities. If any of these is threatened, then the value of the building including your unit will decline. That’s how important assessments are.

Evidently, the misconceptions stem from unguided, misinformed expectations specifically about the responsibilities of the condo owners. Not to mention, several poorly managed condo associations eventually lead to more money issues. So, before jumping into buying a condo, make sure that you are 100% financially ready!

A Friendly Reminder for Homebuyers: Things To Consider Before Buying a Condo

Hands up if you are one of the people who plan to purchase a condo for sale in Fort Bonifacio Global City! You may have heard about what and what not to do when it comes to real estate investment. But it won't hurt to refresh your mind on the crucial things you need to consider before buying a condo. Here are those:

The Accessibility

Ask this to yourself, is it convenient for me to be in that place?

Do not choose a condo that is far from your workplace, from the malls, from the markets and from the other places where you mostly go. It will be difficult for you when you want to go somewhere, especially when it is an emergency yet you are too far from the place where you need to go. You have to consider whether it is easy to go to the different places from the condo where you want to stay.

Easy transportation is also one of the things you have to consider in choosing a condo. Especially when you are a commuter, you have to know whether the transportation in going to the places from the condo is accessible and hassle-free on your part.

The environment

Ask this to yourself, do I like the settings of the condo and the people who are also living in there? Or am I safe to live in that condo?

When you think safety is compromised, don't pursue to buy that particular condo. Even though you think that you want to live in that condo because it is nice, yet you are not sure whether if it is safe for you and your families, and especially when you have kids to stay in that condo, do not compromise your safety and for them as well.

You have to consider the settings of the condo, whether the condo is properly constructed and not easily be destroy when an earthquake happens, or is it along the highway where crossing the streets is dangerous. You have to think of the safety for you and your families.

The Budget

Ask this to yourself, do I have enough money to buy a condo?

It is the right of the buyer to know the price of the condo whether they can afford it or not. If the condo you want to stay is expensive enough for you to pay, do not force yourself to buy that particular condo. Even though you have a stable job, don't be complacent since there are still a lot of things that also need to be prioritized.

You also have to consider the budget for the electricity bill, the water bill and other bills that you have to pay. You must be wise when it comes to your budget or money matters for you to avoid any problems in your future stay in the condo.

The service

Ask this to yourself, do I like the treatment they give to me to whatever I'm concern with? Or are they just treating other buyers or me like crap?

Admit it! We usually are persuaded when the agents of the condo treat us as buyers or customers in a friendly and nicely way. We like it when they are approachable whenever we need their help. Of course, who would like to be treated like crap by someone you barely know?

When you encounter or notice that the services from the agents or the personnel of the condo give to you is rude, you have to reconsider their offer on buying their condo. You don't want to be rude and create a heated argument with them in the future since you don't like the way they treat you.

Well, you can just ignore rude agents or staffs and treat them back nicely instead. That if you want to buy and live in that particular condo.

The Level of Satisfactory

Ask this to yourself, am I satisfied with the overall quality the condo have? Or am I going to be happy and feel contented if I'm going to buy that condo?

Assessing and assuring yourself whether you are satisfied or not can sometimes be critical. Sometimes, it will be your dilemma whether to pursue the buying of the condo or not. Well, it is really up to you to decide on that matter.

Also, assessing the condo from the accessibility, the price, the environment and the services they give to you as a buyer can help you decide on something for the future.

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Top 5 Proven Tips For Decorating Your Home

Admittedly, we find home decorating challenging and frustrating. Who would not? Especially when you are one of those homeowners who do not have any idea at all, then home designs may be difficult on your part. If you are not careful and creative enough, home decals may not match perfectly in your home. And I'm sure you do not want to make your home look unappealing. Right? That means you need to think and plan out before you start decorating.

Unfortunately, not all homeowners can achieve their desired outcome. Perhaps, they made a terrible mistake that caused them to do the design all over again. And mind you, committing dumb mistakes can also cost you big time. You are not just wasting your time and effort, but also with your money. It does not matter if you plan to decorate your home in Ayala Land Condominium Taguig (or any other real estate in the Philippines), having excellent home design is within your reach.

And if you are one of those homeowners who are still having a hard time dealing with what and what not to do when it comes to decorating your home, then you might as well refer to these tips below. Of course, these tips are simple yet doable enough to make it easier and faster for you to apply it to your home.

Start with your color scheme

Choosing the right color is one of the most important things for you to consider. Just because you like a particular color, that does not mean it is also going to be applicable to your home. That means you have to think carefully what color that would match perfectly in your home. Most interior designers would suggest going with neutral colors. With these colors, it will be easier for you to make some home accent and decals. Neutral colors can also make your home lighter and fresher look.

Put investment pieces front and center

Artworks and other investment pieces can add beauty to your home. But you also have to be careful on the spot you want to put them. The front and center are the usual spots for most home designers. It can make the artwork the center of attraction in your home. Moreover, these decorations will also give life to your empty and dull wall. That is why you also have to choose the right center piece.

Fake height with low furniture

If you want to make your home look big, then you can definitely create strong verticals and avoid the horizontals. Interior designers also recommend having large mirrors in your home, since it can add scale to a room. Moreover, they usually kept their furniture low-slung, so the rooms seem taller. With this, you will have an illusion of a bigger space at home.

Give window trims a splash of color

Aside from the furnishings you have at home, you should also not forget about your windows. Instead of having it the typical one, you might want to give it some twist to make it livelier to look at. Perhaps, you can give them a splash of color on your curtains or window trims. Well, just must sure that it also matches the style on your home.

Warm up a room with mirrors

Whether you realize it or not, mirrors are one big factor on home designing. Mirrored panels can be elegant. But you also have to be careful not just to slap them up. Give them life by trying a sectioned pattern in the traditional French style instead.

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What You Need to Know Before Buying a Summer Home

If you think that it is too late to buy a summer home since summer season is almost over, then you better think again. Whether you realize it or not, it is never too late to buy a summer home that you like. Of course, for as long as you are capable of purchasing one, you don't have any problem at all. And if you are planning to invest one, you might want to try properties such as house and lot in Laguna where you can have a good and satisfying stay during the rest of the summer vacation.

However, just like any other season when buying a property, there are also some important things you need to consider before you purchase one. Of course, that is to make sure that everything will be in order to avoid any headaches later one. How much more if you are a first-time buyer? Investing in a summer home is one of the investments you should not take lightly.

But if you are one of those people who don't have any idea at all on what and what not to do when it comes to real estate investments, you might want to consider these things below.

Requirements

First things first, you cannot purchase a property when you don't have enough documents or requirements that would make you capable in the investment. This is also one way to prove that you are worthy enough to entrust a particular property even if it is not fully paid yet. Moreover, completing the requirements your agent or bank need you to have, can also be a solid proof in any case when problems can arise later on.

Consider you current situation

They are people who want to invest in a summer home just because they want to. Well, that may be acceptable. But if you think that you are not yet ready to invest such property and such amount, then you better think again before you decide to purchase that particular property. Always consider your current situation. Are you financially stable enough to pay the monthly dues and other fees you need to pay? Is investing in a summer home would give you some benefit considering your current situation? What will you do after the purchasing that summer home? When you know the answers to these simple questions, then you will also know whether you need to purchase a summer home or not.

Location, location, location

When it comes to finding the right property for you, one of the things you need to consider is the location. Of course, you definitely don't want to live in a place where everything is not to your advantage, right? You have to consider the lot, the waterfront, the commute – if it is accessible enough for you in going to and fro from the property, the topography. Considering these can help you decided on what and where you should find a property that best fits on your standard. And a good location would definitely be on your top priority list.

Consider your budget

Never invest in a property when you don't have any budget to start with. You definitely don't want to engage yourself with financial problems later on, right? That is why, before you decide with the real estate investments, you have to make sure that you are already stable when it comes to financial matters. Of course, buying a property is not just a onetime payment. There are also payments that need you to pay them monthly or even weekly. That means, for you to pay your bills on time, you need to be prepared financially. Well if not, then this might be one of your real estate nightmare experiences.

Good neighbors

Whether you realize it or not, there will always be an advantage when you have good neighbors. Of course, they are there to help you whenever they need some helping hands. Well, just make sure that you are also good to them for you to be treated the same as well. You will eventually realize how nice it is to have a good neighbor in your community.

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Laundry Problems: How to Remove Chocolate Stains from Bed Sheets

We all love chocolates. In fact, it is one of our all-time favorite foods. However, chocolate can also be annoying especially when it gets to our bed sheets. And let's admit! Removing chocolate stains is one of the most hassle things to do when it comes to doing our laundry. Who would have fun removing such especially when the stain is stubborn? And how much more when you kids who just love to eat chocolates? Whether you like it or not, having such stains are unavoidable.

Removing chocolate stains is one of the dilemmas most homeowners or parents faced. Of course, they don't want to have a dirty bed sheet at home. Generally, removing such stains is not that hard as you think it is for as long as you know what and what not to do. And even if you are living in a condo unit Cebu, there is no reason for you not to have a clean and stain free bed sheet. However, if you are one of those homeowners who are still struggling in removing chocolate stains, then you might want to refer to these tips below.

Remove excess chocolate

One way or another, there will always be a small piece of chocolate that would probably be left on the sheet. And for you to remove such, you better use a butter knife or a spoon and get rid of the excess chocolate from the fabric. But be careful, don't use any sharp objects that could cut or damage the fabric. When removing, make sure that you don't spread the chocolate to the clean parts of the cloth. This will only make the stain even bigger.

Moreover, it will definitely be tricky to remove a chocolate stain when it is already dried and hardened onto the fabric since it can damage the fabric. When this happen, you should not scrape away or do anything but to skip to the next step.

Rinse with cold water

Cold water is a good remedy for stains. Rinse the stained cloth with cold water and allow the stains to travel back through the least amount of fabric. Although it may not remove the chocolate stain completely, but at least with this step, it will help wash away as many stains as possible without setting it permanently.

But you also have to be careful. Never use a hot or warm water to rinse a stained cloth. This will only make the stain stubborn since this will actually set the protein-based part of the stain. However, using of cold water may seem counter-productive since chocolate also has an oil-based stain component which makes it easier to remove the stains.

Rub in some liquid laundry detergent

This is one of the things that can also help the chocolate stain removed. Just gently rub the liquid detergent into the stain and allow the clothing to sit for 5 minutes. Do not rinse immediately. After sitting for 5 minutes, you can now soak the cloth in cold water for 15 more minutes. And every 3-5 minutes, rub the stained area by a hand wash. Repeat these steps until the stains can be removed. Rinse stained area completely. Take note, if you don't have a liquid detergent, you can substitute it with liquid dish soap.

Try a stain remover

If you think that the chocolate stain is really stubborn. Then you can try a stain remover or any bleach available. Treat both sides of the stained cloth so that the stain remover would penetrate fully on the stain itself. And when the stain is completely removed from the fabric, wash the sheets normally in the washing machine or through hand wash. With this, you can now dry the sheets properly.


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Apartment Living: How To Brighten Up Your Space

There's nothing more frustrating than having a dull and lifeless apartment. Agree? Yes, you may be renting a space in Davao apartments or any other apartment spaces in the Philippines, but that don't mean you are not going to be mindful of the place you are living in since it is not yours anyway.  However, if you want to live a satisfying lifestyle, then you better start to brighten up your apartment space. And mind you, you will definitely have good vibes when you do.

But sad to say, considering the busy schedules that we have from work or school, we tend to forget how to brighten up our space. Sometimes, we even tolerate things that are cluttered in our rooms since we don't have enough time to clean up. Right? However, whatever your excuses may be, there is still no acceptable reasons why you can achieve a desirable apartment space. And if you are one of those people struggling on what and what not to do when it comes to decorating your space, then you might want to refer these tips below.

Pick up fresh flowers

Whether you realize it or not, having flowers inside you apartment can brighten up the mood. If you feel like you need something that is fresh, then flowers are advisable for you to have. it doesn't just add beauty to your apartment, but it has also health benefits you can get when you have fresh flowers in your apartment. Moreover, if you want it to be more stylish, then you may choose flowers that are also appealing to the eyes. Perhaps, you can have a bouquet of flowers and put them in a stylish vase.

Buy lamps or open the blinds

If you feel like your apartment space is dark enough, then you have to purchase a lamp or open the blinds. Of course, you definitely don't want to live in a space where everything is dark, right? A good lighting is also important for you to consider to make sure that you can see clearly on the things around you. Moreover, this is also one way to protect your eyes from the dim light that you have in your apartment.

Plant succulents

Aside from the flowers that you can have at home, you can also have succulents. It doesn't just look good on your apartments pace, but it is also beneficial to your health. Moreover, you definitely would want to have one in your apartment since it is a pretty cheap, fun to put together, and it is also an adorable way to get some low-maintenance green outdoors.

Rotate your apartment's colors

One thing that can add life to your apartment space is the choice of your color. If you have a darker shade of color at home, then you will most probably have a darker themed apartment. However, if you are one of those people who wanted to brighten up their apartment space, then you also have to make sure that you choose colors that are light. Well, you can also choose pastel color to have some accent on each of the design on your room.

Find local produce

If you think that the things in your apartment are the only things that need a fresher look, then you better think again. This is also the time for you to go for a fresher and healthier lifestyle by buying and eating healthy foods. You can definitely check out your local farmers market or even groceries for a great deal of pretty and fresh food. Don't compromise your healthy with junk foods. Remember, the healthier you are, the brighter your lifestyle will be.

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Take it From the Expert: Condo Buying Advice on Living Solo

As we all know purchasing a condo unit is one of the long-term investments you can make. Considering that the increase of real estate development is rapidly increasing, more and more homebuyers are also into real estate investments. And you can be one of those people who might be planning to invest a condo unit in Bonifacio Global City. Who don't want to invest one? Right? However, investing in a condo can also be daunting and frustrating especially when you plan to live solo.

Basically, living in a condo is not just about living your life to the fullest. As a homeowner, you also have to know that there are certain policies you need to abide in order for you to have a peaceful and satisfying living in the said community. Following the guidelines you have can prevent you from experiencing unwanted situations in the long run.

But if you are one of those people who are planning to live their lives solo, then there are also certain things that you need to know when it comes to condo buying. And to give you some ideas, below are some condo buying advice from the experts you can apply to your own situation.

Remember the 20% Rule

A lot of us here don't know what 20% rule is. Agree? Generally, most real estate developers require a 20% down payment, to secure that you are going to purchase that particular condo unit. For instance, if you are planning to buy a Php2.5 million, then you need to shell out Php500,000 upfront. But fret not! There are also real estate developers who implement a staggered payment scheme where you can settle the deposit in two years -time.

Look for a unit you can comfortably pay for with  single income

This is one of the things you should not miss considering – whether you can afford to pay that particular condo unit. Although a lot of us here are single and want to invest in a condo, there are also certain expenses that you need to pay. That is why, if you are living solo and you don't have anyone who can help you when it comes to financial matters, then you might as well look for a unit that you can afford to pay. And yes, there are actually a lot of affordable condo units that you can afford without compromising its quality.

Expect for more expenses

When it comes to investing in a condo, you also have to know that there will also be a lot of monetary situations that you need to face. Of course, you also have to expect that there will be additional fees for HOA projects and other utility bills that you need to pay. Moreover, you need to have an assurance that you have some money to spare when it comes to emergencies.

Clean up your credit history

Cleaning up your credit history is one of the things you need to make sure. Of course, when you have a clean history, lenders are willing to let your borrow money again and again since they know you can afford to pay them back. Moreover, your credit history will also reflect on what kind of borrower are you. That is why, if you want to make a good impression to the lenders, you need to clean up your credit history through paying your previous debts.

Don't be afraid to start small

Just because you want to invest in a condo unit, that doesn't mean you are going to have a bigger space immediately. Remember, you are going to live solo, and if you want to invest in a condo unit that is big enough for you, then you might as well make sure that it will also suit your lifestyle. However, you must also be practical when it comes to choosing the right condo unit for you. Yes, there are units that are just too big or too small for you. That is why you need to make sure that you personally inspect the place before you decide to purchase one.

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Your Personal Guide To A Safe Home Living

Safety first! Cliché as it may seem, but it's the only reminder where no one gets hurt. Agree? Generally, nobody wants to live in a dangerous place. Who would? Living in a home where you can unwind and feel safe is everyone's dream.  You don't need to hire a personal security to guard your home since you are all in a secured place. It doesn't matter if you are living in Amaia Skies Avenida or any other real estate property in the Philippines, living safe is within your reach.

As a homeowner and a parent, there's nothing more you want for your family but their safety and security in life. However, there are just times accidents and other unwanted situations are inevitable. As a result, we feel guilty for not being extra careful when it comes to that matter. But whether you realize it or not, there are ways to prevent such. Here's how:

Meet your neighbours

Just because you're going to meet your neighbours, it doesn't mean you need to become best friends. Of course not! If you want to make friends, then that's your call. The purpose of meeting your neighbours is for you to know what kind of people you will most likely meet each day. Being certain with the people around you would not hurt your time and effort. This will only give you an assurance that you are living in a safe place.

Get a monitored home security system

If you are too complacent of your home, then you better think about it again. In fact, not all burglars are from the outside, most of them are from the inside. Installing of home security system is a great deterrent to would-be burglars. This allows you to prevent eyes with bad intentions. Moreover, it would be easier for securities to know which property has been attacked, and know which belongs are missing. With that, you can expect a low-crime area on the place since it is secured with alarm systems.

Get possible security risks fixed

Before you decide on which property you want to invest, you have to make sure that the place is safe to live. You should check if the deadbolts are properly working, the lights in and outside of your home should be functioning, especially in parking lots o garages. Of course, you should also not forget to check whether the doors and windows are shut and lock properly or not. If you think that there is something wrong with the functionalities of the things, then you better fix it immediately to avoid any safety risks.

Use a personal security app

For those who don't know yet, there are actually a lot of security app you can download online. And no worries, a lot of them are free. Whether you are headed out to meet your friends, you don't have to worry about your home since you will know if there is something strange about it. And what's more convenient? There are also apps that offer GPS tracking for free. Well, all you have to do is just set the app to tracking mode. This security application would be a great help in addition to your security alarms at home.

Get a dog

Sad to say, not all homeowners are fond of owning a dog. Perhaps, it's quite a bother for them to clean their pet's mess every now and then. Of course, you should also be a responsible pet owner. But do you know that dogs can help secure your home? We all know dogs bark. They usually bark at people who they are not familiar with. This will also give an alarm signal to burglars not to invade your home.

Securing your home should be on your top priority list. But you also have to remember that this is not just all about securing your home, but this is also for the safety of your family. And if you want to live in a place where there would be peace and satisfaction, always remember safety first!

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How to Ruin Your Floors Without Even Realizing It

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Yes, we have heard a lot of homeowners who are concerned about what to do to make your floor last longer. Obviously, who would want to damage their floor, right? However, there are times that we don't realize that even a minor thing we unconsciously do, we are already damaging our floor. And mind you, it is definitely not nice to look at when you have a damaged floor. Right? That is why it doesn't matter if you are living in a 2BR condo in Makati, BGC or Mandaluyong, the thing is you still have the need to take care of your floor.

But sad to say, not all homeowners are aware of it. As a result, they don't appreciate much their floor. However, if you are one of those homeowners who is concerned when it comes to the beauty of their home, then you might as consider taking good care of your floor by not doing these things below that can ruin it. And yes, these things below may be an everyday activity we usually do. But we don't realize that it contributes to the damages on the floor. So, you better avoid doing these things mentioned below.

Don't use furniture pads

Have you ever noticed that there are furniture marks on the floor? Perhaps, you usually drag your furniture to whatever arrangement you want to have. And since you are not using furniture pads, then you will definitely get scratches and marks on your beautiful floors. If you continue to ignore these scratches and marks, it will go deeper and deeper as you go along with the arrangements you have for your home. And aside from dragging your furniture from places to places, every time you sit down on a sofa or chair, the legs will mark the floor since you are not using furniture pads. And it will surely stay if you will not do anything about it at all.

Don't sweep regularly

This is one of the common unhygienic things for you to do. Of course, who would want to live in a place where the floor is covered with dust and other dirty stuff on the floor? I bet, nobody. Unless you are away from your home too long, then not sweeping your floor regularly would definitely ruin its beauty. Basically, the dust and other things that are cluttered on the floor can create damage, especially when the floor is wet. And yes, aside from not regularly sweeping, not mopping regularly can also damage your floor.

Use the wrong rug pad

Whether you realize it or not, there are actually different kinds of rug you can buy at the store. And if you are not careful in choosing the right rug for your floor, this might give your floor a scratch or marks from the rugs. Moreover, instead of making it shine, it can do some discoloration of your floor. That is why you have to know which of the rug are good for your floor and not just with any rug you saw at the market.

Don't have a mat near the door

Generally, this is one of the practices for most homeowners. Of course, you don't want to let the dirt from the outside be brought in the inside, right? That is the reason for you to have a mat near the door. However, if you don't have any mats, this can definitely damage your floor since all the dirty stuff can get inside. Moreover, the dirt you leave would possibility make some scratches and marks on the floor. That is why mats are there to protect the floor from any dirt from the outside.

Don't trim your pet's nails

If you are one of those homeowners who just love pets, their nails can also damage the floor. Of course, they like to roam around the house which can sometimes lead to scratches and marks on the floor. And if you are just going to ignore this matter, these marks will definitely make your floor dull and ugly in the long run.

Why Keep These 12 Things at Home When You Can Throw It Away

Throwing things especially when it holds value to us may not be our thing. Unless we really don't like to have that particular thing anymore, throwing them away may be hard on our part. But there are just times that you need to throw them away to avoid too much clutter in your home. Well, it basically doesn't matter where you live, be it in any Ayala Land properties, throwing useless things at home is a must!

For some homeowners, they don't want to throw their things away since they can give it to the charity instead. Of course, you should do that if the things are still of use. However, if you think that even the kids or the people who are in the charity cannot use it either, then you better throw them away without any hesitations at all.

Yes, thinking about what and what not to throw may be confusing. That is why we list down the top 5 things you have at home that you don't really need. Later on, you will eventually realize that that particular thing that was thrown away made your home even cleaner and nicer.

1. The other side of a pair of lost earrings

Wearing of earrings without its pair is definitely not nice to look at. You better buy  a new set and throw the previous one.

2. Scraps of wrapping paper

You don't need to keep scraps of wrapping paper at home. It would be more appreciated when you buy a nice and stylish wrapping paper than having it recycle. The person you that can receive your gift might feel insulted for it.

3. Cards people have given you with no sentimental value

There are cards that hold dear to us. However, for those cards that don't have any meaning at all, then you better throw them away. There is no use in keep them anyways.

4. Socks with holes

Whether you realize it or not, wearing of socks with holes can be a degrading thing to do. Although people might not see what you are wearing, the thought that you are wearing socks with holes would also mean that you don't have respect for yourself. Reward yourself with a nice pair of socks, and I'm sure you will feel good about it.

5. Hair elastics that have lost stretchiness

Actually, there is no use of using hair elastics that don't have any stretchiness at all. Of course, it doesn't hold your hair any longer. That is why you need to throw these things away.

6. Extra photo prints

One of the reasons why we print our photos it is because we want to have some hard copy of our memories. However, you don't need to have some extra photos to keep. It will only add up the clutter at home.

7. Old makeup

Old makeups should be thrown away. Don't use it anymore. When you do, it might cause you skin rashes. And I'm sure you don't want to experience those things. Right?

8. Expired or sample-sized toiletries

Just like your old makeup, you should not use expired toiletries. You better buy a new set of toiletries rather than risking yourself with it.

9. Dried-up nail polish

This is one of the many things you must throw away. Since it is already dried-up, obviously, you can't use it anymore. So, better throw those dried-up nail polish already.

10. Expired medication

If you want to live your life longer, then don't hesitate to throw expired medicines just because they are expensive.

11. Expired coupons

Even if you use them and show it to a particular store who offer such coupons, they don't still accept it since it is already expired. The promo doesn't count anymore since the given date already passed.

12. Rusty jewelry

For those people who have sensitive skin, then you better throw these things away. This may give you some skin rashes since the jewelry is already rusted. So, don't wear it.

Basically, there are actually tons of things that you need to throw away. Common sense will tell you that you don't need it and it needs to be thrown. Of course, these things mentioned above are the top and common things that you need to let go. Just buy things that are useful to you. If you are on a shopping, make sure that you think first before deciding to buy that particular thing for as not to add clutter to your home.


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4 Tips to Create a Restful Bedroom

The bedroom is one of the most important rooms in your home. Agee? Who wouldn't? It is where you can have a good rest from a stressful day at work or in at school. The bedroom is also where you can do your personal activities. Of course, even if you're living in the suites at One Bonifacio High Street, there is still no excuse where you can't have and create a restful bedroom.

Basically, creating a comfortable bedroom is not that hard as you think it is. For as long as you know what are the basic arrangements, or things you should do to make to achieve a nice and cozy bedroom, then you're ready to go. Moreover, you don't have to make a lot of fuss on how can you do since it is simple enough for you to it on your own.

Well, if you are one of those homeowners who wants to have and create a restful bedroom, then here are some tips for you below. And of course, these tips are simple and doable enough for you to have.

1. Clear the clutter

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Whether you agree with me on this or not, having a cluttered room is also a sign of a cluttered mind. Yes! Since there is too much stuff in your room, it also affects the flow of a serene space, and it doesn't go well with any design concept of a restful bedroom. Well, if you don't want to be such person, then you better start cleaning and decluttering your things inside your room. With this, you will have a clearer view on what your room is going to be all about.

Additionally, take the time to think which of your things need to be thrown away and which that are still useful and should be kept. This is also one way to downsize your things that are not really useful on your part.

2. Soothe with a calm color palette

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Colors are also important in your bedroom. Of course, if you mix colors that are not matched with another, it will definitely be not nice to look at. Moreover, colors do not just add beauty to your room, it also gives a feeling of comfort and relaxation if the colors use in your bedroom is pleasing enough to the eyes.

Generally, if you want to have a calming ambiance in your room, you have to avoid bold colors such as red, green or yellow. But instead, you can use shades to give accent to your calming paint choice.

3. Total texture

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To obtain a realizing or restful bedroom, it is not just about the color that you used. It is also about the texture of things you include. Well, you can have a soft pillow, dreamy duvets, and cozy throw blankets to add some textures to it. Moreover, if you are not keen when it comes to the textures of the things inside your room, you may not have a comfortable rest in your room.

Well, if you don't have any of those things, there are already a lot of stores that sells good texture things for your room. Of course, choose the affordable ones yet still have a good quality on. With that, you don't just have nice and warm furniture, you can also save money out from it.

4. Go stress-free with a sitting area

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Instead of having the usual chair in your bedroom, you can have a couch for sitting area. Of course, this is also one of the many ways you can still have restful bed sheets even if you are just reading your book, or having a cup of coffee or tea. Moreover, this is also where you can let your visitors sit if you want them to go visit you in your bedroom

10 Heart Warming Bedroom Ideas For Valentine's Day

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The most awaited day for most couples is almost near. This is the time when you can show your feelings in a most romantic way ever than any other ordinary days. Some of you here have already plans for their dates while other couples are still thinking about what to do on that special day. Well perhaps, a romantic dinner for two or even a double date with your best friend is the usual things most couples or lovers do.

However, thinking about romantic things with your partner can sometimes be daunting and frustrating. Of course, you have to think about things you can do to make him/her happy. You also have to be considerate when it comes to his/her likes and dislikes. When you don't, then Valentine's Day this year might not be your special day. And I'm sure you definitely don't want to have an unromantic event of the year, right? That is why, even just a simple yet heart-warming bedroom idea, you can already make them feel the thrill and excited.

Decorating your bedroom for Valentine's Day is not as hard as you think it is. For as long as you know what you want to have in your bedroom, then you definitely know what you want to do with it. Well, even if you are living in Bonifacio Global City condo, romantic decorating is within your reach. And to give some ideas, below are some things you can apply if you don't have any idea about decorating such.

1. Lighting

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Choosing a good lighting is a must. The lights can spice up the romance in both of you. Moreover, try to avoid too much light, it will only kill the momentum. Make the lighting soft or dim yet still can illuminate the room.

2. Candles

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Aside from the lightings that you have in your bedroom, candles can also evoke feelings of intimacy. Especially when you use scented candles gives the room the atmosphere of romance. Just make sure you put the candles in a safe place to avoid accidents.

3. Mirrors

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Some of you here might not give importance to mirrors. The mirror reflects the soft lights which also help give more depth to your bedroom.

4. Window curtains

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Window curtains are also an important factor when decorating your bedroom. It helps prevent noises or curb lights from the outside that distracts your momentum. Moreover, make sure to match your curtains with the beddings to add an appealing beauty to the room.

5. Bedding

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A good bed is the pivotal point of the whole décor in your bedroom. It is one of the musts-haves to impress your partner. You can use silk and satin which are the perfect fabrics for your bed. Moreover, a good bedding will give you a relax and comfortable use of the bed.

6. Canopy (optional)

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Adding a canopy in your bedroom may be optional, but it definitely adds beauty and romantic ambiance to the place. Moreover, having it can also give a more spacious feel of the room.

7. Flowers and Petals

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This is one of the common things if you want the night to more romantic. You can spread some love with petals all over the bed or even on the floor. It doesn't just add beauty, it also gives a romantic and pleasant feel on the place.

8. Wine

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Some couples don't care about drinking while having an intimate chat, but wines can also help set up the mood for more romantic ambiance in the room. Of course, make it less alcoholic for you to enjoy the night and not being drunk.

9. Romantic music

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Aside from all heart-warming decorations, you already have, you should not forget to have the music. Obviously, playing romantic music can definitely set you in a mood for romance. Just make sure you're playing a soft romantic music for as not to ruin the mood.

10. Cut the down expenses

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Yes, this is a special day. And it only happens once every year. But it doesn't mean you'll going to spend all of your money just to pull off the romantic decorations you want to have for your partner. You will eventually realize the next morning that you don't have enough budget to pay all your bills and your other expenses. It's not a good idea.

You can have your romantic night without any expensive decorations. All you have to do is make use of what is available and be creative enough to turn it into something that can be of use. With that, you will have a good and happy memories without any problems at all.