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Homesteading with Heart by Marie Stewart - 2M ago

Pika does this; pika does that

The post Pika Content appeared first on Home Steading With Heart.

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With the global increase in the demand for rental units, more investors have looked to the idea of real estate development to make money, by buying a piece of land, building on it apartments and renting them out.

The other option is usually buying already finished apartments and villas in Malta and dividing them into units to be rented out on a monthly basis, with the objective of making a profit against the buying price.

The value for rental apartments appreciates with time, but this value is determined by the initial decision-making strategy when a potential landlord gets into the business. Below are a number of pointers for potential landlords, to be followed when making the big decision.

  • Know the intended market

Each market has a social class, and this is a good pointer as to the type of rental houses to construct, from single room studios, 1-bedroom apartments, 2-bedroom apartments, and posh 3-bedroom apartments. High-end suburbs residents would prefer houses with executive finishes, whose cost of construction is higher than the normal type of houses in middle-class residencies.

  • The budget

Every investment decision is always dependent on the budget to be used as capital. The agents at Malta Sotheby’s International Realty talk about this a lot on their website and social media.  This also applies to rental property. An investor should do a complete audit of the various cost implications of bringing up various types of rental property, and gauge it against the available budget.

This analysis avoids the construction of unfinished or badly done apartments, which only attract low rates even in high-end areas. The budget forms the basis of the investment plan since it determines the quality of house to get as the end product since different materials have different qualities, which reflects directly on the cost.

  • External funding

When the budget fails to match the available actual capital, the investor has an option of seeking external funding. There are many forms of external funding, such as mortgage plan sign-ups, getting a loan from a bank, or selling shared on the project.

When making this decision, the investor should first shop around for any special offers especially on mortgages, which is the most common source of funding for property development.

The investor can also look into the option of a normal bank loan. This decision should be made if the investor is sure the property they are developing would attract customers.

  • Strategic location

With the target audience and budget in check, a potential landlord should take their time in selecting their favorite location to build the rental units. The basic question to ask n this step is how accessible the property would be by the tenants.

Tenants prefer houses which are closer to main roads, closer to social amenities such as schools and Churches, and also houses in water and electricity accessible areas.

Conclusion

With the above pointers taken into consideration, the road to finally becoming a landlord becomes less complicated. To be a good rental investor, there is need to keep a sober mind and ensure to expect possible returns. This means one should invest mostly looking at the long-term, as opposed to long-term goals.

The Real Estate - Malta foreign property investment - YouTube

The post Investing In Rental Property In Malta Guide appeared first on Home Steading With Heart.

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One of the things you can do with your land is create a garden with which you can grow the most natural forms of fruits and veggies. When you get your produce from the supermarket, you don’t really know where it’s coming from and how it’s grown. But when it comes from your backyard, you know exactly what has gone into it.

One of the most important things to starting your garden is getting the right equipment to start strong and keep your plants nutrient-rich. You might want to check out the Best Online Garden Centres for Home Vegetable Plots, and see what you should start with, or if you already have a garden, what you can do to improve it.

The post Creating A Masterpiece In Your Backyard appeared first on Home Steading With Heart.

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Homeowners insurance protects your home from damage caused by storms, smoke, fire, vandalism or theft. It also covers temporary living expenses in the event that your home is uninhabitable after being covered by a claim. Additionally, there are replacement costs that allow you to replace your damaged or lost possessions. With homeowners insurance, there are optional coverage policies allowing you to pick the best one that suits your lifestyle and needs. 

How To Choose The Best Homeowners Insurance Policy 

1. The Cost 

You should insure your home for the replacement value rather than the purchase price. Basically, the policy should reflect the overall cost of bringing materials to the site and rebuilding the home if there’s any damage or destruction. Due to inflation, it might cost much more to rebuild. Note that, the insurance company will not insure the land, especially if your home is built on a large piece of land. Therefore, it might actually cost less to get homeowners insurance that your actual purchase price. 

2. What’s Your Claims History?

Before buying a new home, you should ask the seller to provide a claim history report. It should outline previous flooding, fire and any other claims involving the home. You will be tipped to potential problems that you might not have noted. Keep in mind that previous issues such as water damage might actually increase your insurance payments or make it hard to get a good cover.

3. What’s Covered 

The insurance policy should cover the structure of your home, personal items and clothes. It should also provide enough protection against lawsuits for property damage or injury to other people on your property. You should be covered if there is any damage to your home when you have been displaced temporarily. Each of these covers comes with limits in standard policies but they can be adjusted with more premium payments. 

4. Special Circumstances

Most of the homeowner’s insurance policies you will come across will protect you against lightning strikes, hail or wind damage. You’re also covered if there are losses from vandalism but you should check your policy for any other perils that are covered and understand them completely. With most policies, earthquake and flooding isn’t covered but you can buy your coverage separately. If the location is prone to disaster, you should weight the cost and risk when choosing your policy. Keep in mind that you’re not covered if the damage is caused by pest infestation, mold or poor maintenance. 

The Benefits 

There are some benefits you can accrue to having homeowners’ insurance policy. First, you can always count on financial protection so you can enjoy a peace of mind regardless of what calamity might befall your home and possessions. Additionally, you can always enjoy timely recovery allowing you to rebuild your home fast enough to avoid further expenses.

Note that, you need to find the best insurance company to guarantee all these benefits. So you should do your research to guarantee the best results. One of our favorites is Rockland Insurance Company, who offer Cypress home insurance.

The post What You Need To Know About Homeowners Insurance appeared first on Home Steading With Heart.

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Whether you’re moving from one part of Texas to another or you’re changing states entirely, packing up and moving is never easy. It might be manageable by yourself if you live out of a suitcase, but for those of you with plenty of belongings, it’s always a good idea to get help from apartment movers Houston.

Knowing that you need help from apartment movers Houston is great, but the next step is finding the right moving company. A quick search online will reveal quite a few different companies that service the Houston, Texas area. How do you know which company is the right fit for you? Here are some considerations that will make your decision easier.

1. Avoid Companies That Want Huge Deposits.

This will help you weed through the options and leave only the best behind. High quality, reputable moving companies won’t demand large cash deposits before helping you move. Consider the risk you are putting yourself in if you decide to pay in advance of receiving the service. They could easily drive away with all of your belongings and the money, never to be seen again.

It’s possible that they will require a small deposit paid via credit or debit card. Paying with plastic will help protect yourself from fraudulent activities. Likewise, when paying in full after the move is complete, continue to only pay with credit or debit card.

2. Do They Provide An Estimation?

A quality mover will take the time to inventory the belongings being transported. They will also use this time to determine the dimensions and weight of the load. This is the information they use to generate an estimated cost for moving. Most companies price their services based on the size and weight of your belongings. If they try to charge you without taking inventory, then it should set off a few red flags in the back of your mind.

3. Do Some Investigating.

The internet makes it possible to easily investigate the background of any company. For example, you can utilize the Better Business Bureau website to look for any complaints that have been filed against the company. The BBB keeps an in depth record of complaints and their resolutions.

You can also look around for reviews and testimonials from previous clients. There are several websites dedicated entirely to posting and sharing reviews for related services. Whether good or bad, you can use the reviews to help you make the right decision.

Finally, take the time to investigate their website and their social media. It’s always a positive sign when they have a strong social media presence. You might find that they have plenty of reviews from previous clients on their page as well. As for their website, it should be up to date with their contact information, look professional, and have pictures of previous jobs.

Don’t Take Any Risks.

You certainly don’t want to take any risks when moving your belongings. Use these guidelines to help ensure you only work with the best moving companies in Texas. Our recommended choice is Classic moves. Visit their site to get a free estimate.

Houston Vacation Travel Guide | Expedia - YouTube

The post Help Picking The Best Apartment Movers Houston Has To Offer appeared first on Home Steading With Heart.

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A real estate investor is a business or an individual who is in the business of buying and selling houses directly to sellers and buyers. If you are a homeowner, you may have at one time been offered a deal by a real estate investor. But if you are like most people, you are probably wondering if you should sell your house to these people. After all, they are unfamiliar territory, right?

Well, the question on whether or not you should sell really depends on whether or not you need cash now or not. This is because real estate investors tend to offer money below the market value. This is because they come with an offer to buy your house for cash. Also, they will buy your house as-is, meaning that you will not have to do any repairs just to be able to sell your property. The combination of cash and risk of not seeing the house is what drive the actual figure you will get an offer.

If you search for it online, you will see that there are many real estate investors out there that are operating across the country. This really isn’t surprising when you consider that the real estate has been on an upturn in recent years.

If you are looking forward to selling your house in the quickest way possible, you should look for a real estate investor in your area, or you can try a wholesaler or network such as http://sellmyhouseeasyfast.com. As we said before, you do not need to make any repairs to your house because these buyers assume properties as-is. Also, since you are paid in cash, you can get access to the money easily. The good thing about it is that cash payments can be in the payment terms that you specify. If you prefer, you can have a lump sum payment or be paid in installments. You could also be paid in certified cash deposits or CD.

Aside from this, though, you can close the sale in a matter of seven days since there are no appraisals to be completed.

The bad thing about it, though, is that there are many people out there who like to pose as real estate investors and will try to scam people out of their property. There is no way around it because real estate investors are not required to have a license in order to operate. Also, there is no regulating body through which you can lodge your complaints. This lack of oversight in and of itself should make you wary about putting your house on sale to real estate investors.

That said, if you really want to sell your house for cash quickly, you should do research on a real estate investor. Investors can be individuals or companies. For your own benefit, though, make sure to deal only with companies because you can check the Better Business Bureau if there are any complaints against them. Also, you can check with government authorities if they are indeed a legitimate company.

Check out this site if you want to learn how to sell my house fast houston.

15 steps to selling any house in 7 days or less - YouTube

The post Should You Sell Your Home To Houston A Real Estate Investor? appeared first on Home Steading With Heart.

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Benefits of Living a Life of Homesteading

The number of people interested in homestead living has continued to rise as people look for alternative ways of living. With homestead living, you are able to live a healthier, independent and simpler life. You will set up alternative water, heat and electrical sources if you decide to live this kind of life. You will have a chance to leave an office job where you have to strain a lot, you will start to look for ways to make money online. You will have more freedom and a chance to set your own working hours. There are many people out there who have managed to improve their quality of life by living a life of homesteading.

Reality hits and panic kicks in because you are putting everything on the line, but this is a small part of the process. There are a lot of benefits you can expect. The important thing is to prepare well, and you will have nothing to worry about. When you grow your own food, generate your own energy and work from the comfort of your home, you will have no worry about the cost of living. You will be able to get away from the work-earn-spend cycle and have more control and freedom.

Life is busy and there will always be something coming up beyond your control, making it hard to live a relaxed life. With homestead living, you will have something to work on but at least you can control your time and activities. You will direct what is done and be able to see the results as soon as you finish.

Living a life of homesteading requires a great deal of diligence, time management, and commitment to complete the tasks. You will decide how much independence and self-reliance you need. You can customize the off-grid system to fit your lifestyle.

One mistake that many people make is thinking that this type of living is too expensive and way costlier than their current type of living. This is far from the truth. The initial investment will be a little on the high side, but you should be able to recover your investment in a few years because there will be cut in utility bills. There are some states that will feed into your system and you can get paid by sharing with them.

With homestead living, you have a chance to produce your own food. Making your own is a lot cheaper than purchasing them from the mass market.

When you grow your own food, you have full control of what goes in. You will enjoy the organic wholesome ingredients and you will also be doing a lot for your general health. You will have a wide variety of healthy and organic food. Having control of what you eat is the first step towards a healthier lifestyle. You will be basing your judgment on preference, and not what is available on the market.

You will be spending a lot of your time in your homestead because most of the things you have to do are in the same place. You will have a chance to spend more time with your family. Many homesteaders will choose to homeschool for their children because they have adequate time to help them with their academics, and this provides flexibility and control over the educational experience and time.

The most important thing you will need to have an easier time is adequate planning. There is nothing worse than unpreparedness. You will have to start planning and start practicing before you can fully switch. You will need to practice financial discipline by practicing frugality. This can sometimes mean forgoing luxuries such as smartphone services, satellite tv, etc. Saving will give your more financial freedom.

The internet provides a lot of resources you can use to learn more about homesteading. There will be people who will be out there claiming that it is not the best way to live, but the important thing will be your experience. The benefits you can expect are way more than the challenges you will be facing. Being disciplined and proper learning will guarantee an easier time living a life of Homesteading.

The post Living a Life of Homesteading appeared first on Home Steading With Heart.

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Check back soon for the first chapter in living the homestead life.

The post Welcome to our homestead way of life! appeared first on Home Steading With Heart.

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