BENEFITS OF BUYING A HOME

 Good Evening Sir/Ma.

I was in a class today with some students and we were discussing about business, marriage and life.

Then I was advising them to have a better source of income  and better investment before venturing into marriage. Simple because bills will keep coming in marriage unlike when they are single.

Then I feel like sharing this benefits of investment with you.

BENEFIT OF BUYING A HOME

Buying a home can offer several benefits, including:

Equity Building: Over time, your home can appreciate in value, allowing you to build equity and potentially gain a return on your investment.

Stability: Homeownership provides stability and a sense of permanence, as you have control over your living space and don't have to worry about rent increases or landlord changes.

Customization: You can personalize and modify your home to suit your preferences, which isn't always possible with rental properties.

Investment Potential: Real estate can be a long-term investment that generates rental income if you choose to rent out your property.

Forced Savings: Paying a mortgage can be a form of forced savings, helping you build wealth over time.

Sense of Ownership: Owning a home can provide a sense of pride and ownership, which can enhance your overall well-being.

Potential for Rental Income: If you have extra space, you can rent it out to generate additional income.

Predictable Housing Costs: With a fixed-rate mortgage, you have predictable housing costs, making it easier to budget.

Retirement Planning: Your home can be an asset for retirement, allowing you to downsize, tap into home equity, or pass it on to heirs.

It's essential to consider your financial situation and long-term goals when deciding if homeownership is right for you.

Thank you for your time.

Remember: Hitee Homes is your best plug for real estate business.

LAGOS PROPERTY MARKET ANALYSIS.

 LAGOS PROPERTY MARKET ANALYSIS.

General overview of the Lagos, Nigeria property market based on historical data.

Lagos, being the economic hub of Nigeria, has experienced significant growth and development in its property market over the years. Several factors have contributed to the demand for properties in the city:

1. Population Growth: Lagos has a rapidly growing population, with people from various regions and countries seeking better economic opportunities. This has led to an increased demand for housing and real estate.

2. Urbanization: The urbanization trend in Lagos has resulted in the need for both residential and commercial properties, as more people move to the city for work and business.

3. Economic Activity: Lagos is known for its vibrant economic activities, attracting businesses and investors. This has driven demand for commercial properties and office spaces.

4. Foreign Investment: Foreign investors have shown interest in Lagos' real estate market, especially in luxury properties and high-end developments.

5. Infrastructure Development: The government has invested in infrastructure development, improving accessibility and attracting real estate investment in various areas of the city.

6. Land Scarcity: As the city continues to expand, land scarcity has become a challenge, leading to higher property prices and densification in certain areas.

7. High Rental Yield: The high demand for rental properties in Lagos has led to attractive rental yields for property investors.

It's important to note that real estate markets can fluctuate due to various factors, including economic conditions, government policies, and global events.

Courtesy: Hitee Homes

PROPERTIES TO LET IN LAGOS

 *To Let:* 

_(Semi Direct Briefs)_

 (1)

3 bedroom flat with a roomBQ at Ikoyi. All rooms ensuite

Rent: #16m per annum

Service charge: #1.8m

Diesel dep: #1m

(2)

Office space on 5th floor (top)

Size: 365 sqm

Parking: 5 parking bays

 

Lease start date: September 1st (OMN will be open to an early release)

Location: Allen Avenue road, Ikeja,Lagos.

Starting rent: N16.5m

Service Charge: N4.75m

Energy Deposit: N2.2m

Rent Escalation: 5% p.a.

Minimum tenor: 3 years

Years 1&2 paid in advance

(3)

5 bedroom terrace duplex at Osborne phase 2, Ikoyi, Lagos

Rent: #15m p.a

 (4)

4 bedroom flat at Osborne, Ikoyi, Lagos.

Rent: #10m p.a

 (5)

3 bedroom serviced flat at Pinnock Beach road, Agungi, Lekki, Lagos

Rent: #3.5m

S.C: 540k

Call: 07083111902, 07060877092

Properties for Sale in Lagos and its environments

PROPERTIES FOR SALE

1. 6 units of 3 bedroom flat on 1300sqm land at Anthony, Ikorodu road, Lagos. Price: 450m

2. 1385.84sqm at Parkview estate, Ikoyi, Lagos. Price: 300m

3. 4 bedroom duplex with 3 sitting rooms, 2 bedrooms BQ on Bashiru street, Magodo II, Lagos. Price: 200m

4. 2700sqm water front mixed use commercial land at Ozumba Mbadiwe road, V.I, Lagos. Price: 800m

5. 1515sqm lannd on Obafemi Awolowo way, Alausa CBD, Ikeja. Price: 400m

6. A building with 18 rooms on 580sqm land at Ikeja new garage bus stop, Ikeja. Price: 280m

7. 1405sqm land directly on Lagos/Abeokuta expressway, Meiran, Lagos. Price: 90m

8. 680sqm land Magodo brooks estate, Magodo, Lagos. Price: 70m

9. 10 units of 4bedroom terrace apartment at Opebi, Ikeja, Lagos. Under construction. Price: 90m each

10. 50 acres (216plots) at Owode Egba town, Ogun state, fenced and gated. Price: 200m

11. 2 plots on Association Avenue, a plot already consist of 4 units 3 bedroom flat at Oke afa, Isolo, Lagos. Price: 60m

12. 4plots at of Ekoro road, Abule Egba, Lagos. Price: 50m

13. A shopping complex on 680sqm land at Agbotikuyo bus stop, Agege, Lagos. Price: 40m

14. 450sqm land at Omoniyi, Mushin, Lagos. Price: 30m

15. 100acres of land fenced and gated + gas pipeline along lagos ibadan expressway by RCCG. Price: 28m per acre

16. NNPC mega station with 14 pumps at Eleko. Price: 350m

17. 5 bedroom detached house with 2 rooms bq at Ogudu GRA, Lagos. Price: 110m

18. 16nos studio apartment at wasimi, Ogun state. Price: 1m per unit

19. 2 blocks of 4 units 3 bedroom flat with C of O at Amule bus stop, Ayobo, Lagos. Price: 60m

20. 4 bedroom bungalow with survey, agreement and recipt at shasha, Lagos. Price: 18m

21. 7 Hectares of land situated(105 plots) situated at Orchid Road, Lekki, available for sale; 400sqm - N20,m, 600sqm - N30m,900sqm - N45m
Title is Govt consent.

22. Hillcrest villa Estate, Ibeju lekki (25 acres) for sale .
600sqm for N750,000 per plot
ONGOING PROMO!! of 2 plots for N1m
Title: Registered survey, deed of assignment

23. 4 units of 2 bedroom flats at Abraham Adesanya Estate, delivery date, summer 2020 asking N19m(offplan) and can sell N21m once fully completed . Good rental yield, N1.2m

24. Luxury 3 bedroom flat for sale (offplan) in compound of 4 units, in lekki phase 1, comes 24hrs security, CCTV, 24hrs power, fitted kitchen,etc Asking N55m, completed N65m

25. Luxurious 5 bedroom semi detached house, sitting on 3 floors in banana island,comes with a swimming pool, CCTV etc, asking N450m. Pics available..

FOR LEASE!!
1. 2 bedroom luxurious flat for lease off bouillon, Ikoyi, comes with swimming pool, gym, 24 hr power etc. Asking N9m and S/C N4m per annum

2. 3 bedroom on Gerrard road ikoyi, fitted kitchen, pool, gym and tennis court. Asking N6.5m S/c N3m per annum

3. 3 bedroom luxurious flat for lease in parkview estate Ikoyi; pool, gym, fitted kitchen etc N6.5m S/c N3m per annum

For more info call/WhatsApp: 07083111902

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Properties For Sale

BULLETIN

PROPERTIES FOR SALE

1. 6 units of 3 bedroom flat on 1300sqm land at Anthony, IKorodu road, Lagos. Price: 450m

2. 1385.84sqm at Parkview estate, Ikoyi, Lagos. Price: 300m

3. 4 bedroom duplex with 3 sitting rooms, 2 bedrooms BQ on Bashiru street, Magodo II, Lagos. Price: 200m

4. 2700sqm water front mixed use commercial land at Ozumba Mbadiwe road, V.I, Lagos. Price: 800m

5. 1515sqm lannd on Obafemi Awolowo way, Alausa CBD, Ikeja. Price: 400m

6. A building with 18 rooms on 580sqm land at Ikeja new garage bus stop, Ikeja. Price: 280m

7. 1405sqm land directly on Lagos/Abeokuta expressway, Meiran, Lagos. Price: 90m

8. 680sqm land Magodo brooks estate, Magodo, Lagos. Price: 70m

9. 10 units of 4bedroom terrace apartment at Opebi, Ikeja, Lagos. Under construction. Price: 90m each

10. 50 acres (216plots) at Owode Egba town, Ogun state, fenced and gated. Price: 200m

11. 2 plots on Association Avenue, a plot already consist of 4 units 3 bedroom flat at Oke afa, Isolo, Lagos. Price: 60m

12. 4plots at of Ekoro road, Abule Egba, Lagos. Price: 50m

13. A shopping complex on 680sqm land at Agbotikuyo bus stop, Agege, Lagos. Price: 40m

14. 450sqm land at Omoniyi, Mushin, Lagos. Price: 30m

15. 100acres of land fenced and gated + gas pipeline along lagos ibadan expressway by RCCG. Price: 28m per acre

16. NNPC mega station with 14 pumps at Eleko. Price: 350m

17. 5 bedroom detached house with 2 rooms bq at Ogudu GRA, Lagos. Price: 110m

18. 16nos studio apartment at wasimi, Ogun state. Price: 1m per unit

19. 2 blocks of 4 units 3 bedroom flat with C of O at Amule bus stop, Ayobo, Lagos. Price: 60m

20. 4 bedroom bungalow with survey, agreement and recipt at shasha, Lagos. Price: 18

Call/WhatsApp: +2347083111902

Real Estate Investment Tips

The real estate market offers the chance to make more benefit if surely knew. Be that as it may, investing in real estate without appropriate direction can be very entangling. The spot of having a decent information on real estate before wandering into it can't be overemphasized. Real estate investment goes past simply purchasing a house to call your home.

As of late, the more youthful age has taken a striking enthusiasm for real estate investment. The long haul monetary profit that real estate offers is one reason why real estate investment stands apart among different types of investments. Investing directly in real estate offers a consistent inflow of salary.

On the off chance that you are an amateur in real estate, there are a lot of things to learn before going in. No ifs, ands or buts, real estate investment is more perplexing than different types of investments, for example, stocks, bonds, and so forth. Real estate requires greater responsibility as far as legitimate, time and account included.

As referenced before, there is a great deal to real estate than simply purchasing two or three properties. This is the reason it is essential to have a decent foundation information on real estate and real estate investment before wandering into it. This additionally assists with staying away from entanglements over the long haul.

Like each other kind of investment, investing in real estate accompanies dangers. It is likewise essential to take note of that real estate investment isn't a methods for getting quick cash. It is an investment that develops after some time and gives a long haul security. Before we dive into investing directly in real estate, find below are some of the ways we invest in real estate:

Rental properties 

Rental property is a great deal not quite the same as house/land flipping. When investing in rental properties, first the property is possessed by you and leased to inhabitants for different use. Contingent upon what sort of property it is, either business property, level condos, office spaces and the preferences.

One bit of leeway of investing in rental properties is the way that it is a long haul investment. The house proprietor continues getting a consistent salary as long as the property is being used. There is additionally the spot of appropriate support which some of the time decides the estimation of your property

Real Estate on the web 

As of late, we have had online real estate organizations jumping up from all sides. You can put resources into private or business real estate investment without knowing where these properties are. These organizations offer profit dependent on the properties you put resources into, either private or business.

Put resources into REITs 

Real Estate Investment Trusts otherwise called REITs are organizations that claim, work and fund significantly business real estate. Some of which incorporate stockrooms, shopping centers, inns, medical clinics and the sky is the limit from there. These organizations have a decent number of advantages for their speculators.

Investing in REITs is a lot of like investing in shared assets or ETFs. Dissimilar to rental properties or home developments where you have the physical property, REITs is investing without blocks and mortars. It gives you a more extensive understanding and introduction into real estate investment.

Cooperate with real estate organizations 

There are various approaches to cooperate with real estate organizations just as other real estate speculators to increase present moment and long haul benefits. On the off chance that you are not all that enthused about learning the fundamentals and center of real estate, an organization is unquestionably the perspective to settle

It is constantly important that the grateful estimation of real estate relies extraordinarily upon the correct area. While considering to put resources into real estate, the site ought not be excessively a long way from top spots of enthusiasm for Nigeria. There are spots to visit in Nigeria which are to a great extent undiscovered dig for the real estate industry.

Spend Less this Christmas

Unique Ways to Simplify and Spend Less This Christmas What is it about the Christmas season that causes us to overspend, overeat, and get stressed out during the holidays? Seriously, this time of year is supposed to be about love, peace, and giving, but we've allowed it to degenerate into shopping craziness. It’s become a full on festival of stress! So what can we do to counteract all the craziness that come with Christmas? Well, first I think the best way to make the Christmas season a more enjoyable time of year is to simplify our approach to the season.   11 Steps To a Simpler Christmas So to help out with that, here are 11 ways to lower your stress level, spend less, and increase your enjoyment of the Christmas holidays through simplifying your approach. 1. Don’t Spend What You Don’t Have Spend only saved up cash in buying gifts so you don’t end up with a post-Christmas financial hangover.  2. Slow Down It’s so easy to rush, rush, rush, during the holidays and forget to relax and enjoy.  Relax and don’t feel like you have to please everyone. 3. Set Expectations Tell family and friends that you’re simplifying your holidays this year and that you won’t make it to every party or give a gift to every person.  This lets you off the hook and allows you to put less pressure on yourself.  If your friends and family don’t like it, that’s their choice to make. 4. It’s OK to Say No Once expectations are set, follow through by committing only to the parties and people that are most important to you and bring you the most joy. 5. Give Less Gifts Don’t feel obligated to give a gift to everyone.  Giving because you feel obligated is not a way to bring joy to your life.  Focus on giving to people that you love the most, make you the happiest and to the less privileged.. 6. Don’t Go Crazy With The Christmas Decorations Some people really love to decorate for Christmas.  But if trying to make your house into a Christmas village causes you more stress than it should, then cut back, decorate simply, and eliminate the stress that comes from trying to make everything look “perfect”. 7. Don’t Be a Control Freak Feeling like everything has to be “just perfect” for the holidays is a recipe for disaster.  You can have a nice Christmas season without stressing out over what people think about your party, your gift, or your décor.  Keep it simple, relax, and have a good time. 8. Make a Plan For Next Year For many people, Christmastime is stressful because they run up huge debts.  Make a plan to start putting back money every month for Christmas spending.  Start in January, and when December comes around you’ll have enough to take care of your Christmas expenses. 9. Find Time To Relax at Night Turn on the Christmas tree lights, dim the room lights, and curl up with a good book or some good Christmas music and a cup of tea or choco. 10. Don’t Accept Every Invitation For me and many others, going to too many holiday parties can be stressful because there’s just not enough time to enjoy them all.  Accept only the invites that are the most important to you to minimize Christmas party fatigue. 11. Focus on Faith and Family Remember that ultimately Christmas is about loving God and loving others.  It’s not all about parties, gifts, large amounts of food, and sparkly decorations.  It’s about loving people and spending time with them. It’s about worshiping the God that made us and is there for us always. It’s about recognizing that He was born and died for us. That’s about as simple and stress free as it gets. Enjoy the season! Merry Christmas in advance!

Culled from: https://www.cfinancialfreedom.com

Balance Your Investment Portfolio the Diet Way A balanced diet, as defined in literature, is food that provides the body with nutrients needed to function properly. According to nutritionists, every person requires an average of 2,000 Calories (energy value of foods) per day to maintain his or her weight. Nutritional needs however differ depending on age, gender, body size, body shape and activeness. For instance, people who exercise regularly are generally known to require more calories than people who don’t. Food calorie plays dominant role in nutrition. For this reason, a number of people carefully watch their calorie intake especially as they try to lose weight. While watching calorie intake may be necessary, it is equally important to ensure that your calories come from a well-balanced diet. In other words, your body needs calories from different food sources to grow. …and what relationship does a balanced have with personal finance? It has just been stated above that the body needs calories from different food sources to grow. Interestingly, this assertion can be similarly shared with investment portfolio. In finance, investment portfolio is a collection of investments or assets held by an investor. Just like the body calorie analogy, it is always essential to maintain a collection of different asset classes in an investment portfolio. Asset classes include stocks (equities), Treasury bills, bonds, fixed deposits, cash, Real estate, commodities, etc. Maintaining different classes of assets helps reduce investment risks since the potential of their (assets) values falling at the same time is reduced. Choosing the right mix for a balanced portfolio It is further important to determine the right mix of the different assets owned. The practice of determining right mix of different assets is known as asset allocation. In other words, asset allocation refers to how much of each asset class an investor must hold in his portfolio. Not so long ago, I started receiving a number of messages concerning the right mix for an investment portfolio. This was after I had previously published a post on investment diversification. Precisely, most questions centered on the exact percentages that must be assigned to the various asset classes in order to have a balanced his portfolio. While it is always recommended to ensure an appropriate mix, the subject of maintaining precise percentages of the various assets can be debatable. Practically, there is no single way to balance an investment portfolio. This is because everyone has different needs and requirements. Each individual may find himself in a different financial circumstance. Hence, it would be appropriate to balance your investments based on factors such as your investment objectives, your age, as well as risk tolerance. In addition, just like ingredients in a balanced diet, it is similarly not expected to ensure equal proportions of each asset class in a balanced portfolio. In other words, balancing your portfolio does not necessarily mean assigning equal proportions to each asset class. That is to say your portfolio does not necessarily have to consist of 25% of equities, 25% of fixed deposits, 25% of cash and 25% of Real estate. If your financial circumstance demands regular passive income, it would be necessary to allocate adequate portion to liquid forms of investment. For instance, you may need your invested money in the short to medium term if you’re nearing your retirement. In such a situation, investing more of your money in short-term investments such as fixed deposits or Treasury bills can be helpful. On the other hand, a young person far from retirement can choose to allocate greater percentage of his portfolio to equity investment. Of course, an investment portfolio for a 30-year old guy must differ from that of a 55-year old person nearing retirement. It is like making changes in your diet as you grow older.  In effect, the mix of assets that is suitable for you can change at different stages in your life. Final words Just like balanced diet helps maintain a healthy body [shape], a balanced portfolio can be useful to put your finances in good shape. Balancing one’s investment portfolio must be however aimed at suiting his financial needs. As such, factors such as your investment objectives, risk tolerance and age must be considered as you try to balance your various assets. When considering a healthy diet, when you eat is equally important as what you eat. The particular time of the day may impact the choice and composition of balanced diet to stay healthy. For example, the carbohydrate proportion of your breakfast meal may be comparatively high to kick-start the day’s activities. Similarly in personal finance, your stage in life may impact your asset allocation and for that matter your balanced portfolio. As stated before, the portfolio of an adult nearing retirement may constitute a higher proportion of short-term investments in comparison to the portfolio of a younger person. In other words, how much of each asset class you must hold in your portfolio can change at different stages in your life.

Culled from: https://www.sikasem.org

Investment option.

📍📍 *CHRISTAL VILLA QUEEN'S COURT*
LOCATION: Shapati, Lakowe, Lekki, Lagos.
PRICE: N10m per Plot
PROMO PRICE: N5m per Plot
Christmas promo : 20% discount till Jan 10.
TITLE: Certificate of Occupancy
SIZE: 500sqm

📍📍 *EAST AMBER ESTATE ABIJO GRA AJAH LEKKI*
Directly facing the road
TITLE: Governor's Consent
 SIZE: 600sqm
 PRICE:  N11million per plot
• 6months installment Plans with N2million initial deposit

📍📍 *NORTHVILLE ESTATE*
locations: Bogije Lekki.
Title;Governor’s consent
Price: 600sqm -
Promo price: #9m per plot

📍📍 *VILLA GARDEN ESTATE,*
LOCATION:  Magboro-ibafo, off Lagos Ibadan Expressway
by MFM prayer city behind Nasfat
Price: #700,000 per plot
Promo Price : N595, 000 per plot
Title: Registered survey & Deed of Assignment
Size: 600sqm
Status: 100% dry
Instant Allocation/Buy and Build


📍📍 *CHRISTAL VILLA KINGS COURT*
Location: Apakin, Ibeju-Lekki
5 minutes from Dangote refinery
Price:#5m
Promo Price: #2.5m (50% Discount)
Title:Approved Excision
Size:600sqm
Status :100% Dry land

📍📍 *CHRISTAL VILLA GARDEN*,
Location :Itamarun, Ibeju-Lekki
10 minutes drive from Dangote refinery
Price :#2.5m
Promo Price :#2m per plot
Title :Registered Survey & Excision
Size :600sqm
Status: 100% dry land

📍📍 *AMEN ESTATE PHASE 2*
Location:  Eleko Beach Road, Ibeju Lekki
just a minute drive from Amen Estate phase1
Title: Certificate of Occupancy
Plot Size: 600SQM
Price: ₦12million per serviced plot
Payment plan: 6-12 months with 20% initial deposit


 📍📍 *WESTWOOD PARK ESTATE 2,*
LOCATION: Off Monastery Road,
Sangotedo, Ajah, Lagos.
TITLE: C of O
SIZE: 600sqm
PROMO PRICE: N16M per plot
10plot available

 📍📍 *IMPERIAL GARDEN*
Location: Abijo GRA Lagos
just behind Corona School
Title: C of O
Sizes: 300sqm, 450sqm, 600sqm
Prices: N10m per plot



Contact : +234708311192
Email: hiteehomes@gmail.com

Money Follows Value 'Money follows value like a dog on a leash'. I believe I owe a previous employer for this catchy phrase. It was a sales environment, and if I remember correctly, his favorite phrase was “sales follow referrals like a dog on a leash.” It’s one of those lines that’s just off-center and punchy enough to stick. The focus is that if you consistently do well and provide value for others, they’ll refer you to friends and family. Referrals, in this situation, are the overt markers of doing a job well. Sales are the ancillary benefit. In other words, prosperity is what comes when you do great work. I love the concept behind this phrase. It’s simple. It’s powerful. It could easily be used as a motivational piece, or even as the last line of your email signature. And I think it applies to far more than just sales. Where you continually find value, there you will find people willing to (quite literally) hand over their money. If you’re doing well, helping others, and providing real value to lives and communities, you will gain a reputation as one worth working with. “You” can be an artist, an NGO, an entrepreneur, a baker, a financial planner, or anything! The concept still applies. If you consistently do great work, others will support you. Then you’ll be able to support yourself! Money follows value like a dog on a leash. Let’s say you’re a small business owner. When you start out, it’s really hard to gain clients. People have to get to know you and learn to trust you. This takes time. As it happens, though, you and your business grow. Clients become willing to write you a cheque because they find value in what you provide. Let’s say you’re an avid blogger. It takes a long time to make a dent in the digital ocean. But as you keep blogging valuable, helpful content, people begin to take notice. They begin to follow you, to look to you specifically for advice. They’re willing to share your posts, boost your SEO, buy your e-books, and refer friends because they’ve found value in what you do. Last example.  Because this isn’t all about making money, it’s about doing the best work you can for every person, at all times. Let’s say you’re a non-profit organization for social justice. It’s a struggle, but as you make a few moves here and there, and help more people, others join your cause. They begin to support you, to talk with others about the issues you’re fighting for, and even to come alongside you. People will support and further your mission because they find value in what you’re doing. Money follows value like a dog on a leash. This is a great line to live by! It’s not about getting rich, but about doing a job well. Whatever it is you do, do it to the best of your ability. If everything you do is done to the best of your ability, money, growth and support will follow.

Culled from: https://www.hackernoon.com

Money palava

Bad Debt - Your Number One Enemy. People typically get into debt for various reasons: a.) Purchases small or large. b.) Unexpected life events and their consequences like medical bills or damage to property. c.) Many people get into debt because of lack of control over personal finance. For the reasons mentioned above, we tend to use a variety of products to finance our needs. Three major categories are the following: 1. Mortgages – They are used typically for financing your housing needs. In some cases, people also borrow against their assets to finance consumption. Mortgages can be very powerful, and you can make it work for you instead of against you. They typically have a high value and an extended repayment period. 2. Loans – Loans are used typically for financing medium or large purchases like cars or equipment. Loans in most cases are dangerous as they are usually used for buying depreciating assets i.e., assets that lose value over time. Cars would be a great example here. 3. Credit cards – These are used purely for consumption purposes. It is very easy to take on more debt than you can handle using credit cards. Also, except payday loans or cash loans, credit cards are by far the most expensive type of debt. THE KEY DIFFERENCE BETWEEN BAD DEBT AND GOOD DEBT Yes, there is a difference between good debt and bad debt. In simplest words: Good Debt – also referred to as leverage, can help you in building wealth and passive income. You can buy an asset such as rental property, finance it with a mortgage and grow your cash flow. Bad Debt – This is an inefficient way of using borrowed money. The key mistake here is that the amounts borrowed are used for financing day-to-day expenses or for purchasing items that decrease in value over time. HOW BAD IS YOUR BAD DEBT? Each situation is different but you can use the following guidelines to check any warning signs in your personal situation: 1. You are using more than one bad debt products – credit card, overdraft facility, cash loan, car loan etc. 2. You owe more than 50% on your credit cards 3. All your monthly bad debt payments sum up to more than 25% of your income. WHAT ARE THE KEY STAGES IN FIGHTING BAD DEBT? Three typical stages lead to bad debt elimination: 1. ORGANIZE YOUR DEBT You need to make a list of every loan product that you are currently using and describe it with the following details: total amount to be paid, monthly cost. 2. PRIORITIZE YOUR DEBT As soon as you understand your debt, you need to decide which one you will pay down first. My suggestion is to attack the ones that are the smallest in total amount to be repaid. Using this method, you will see effects faster, and you will get more disposable income shortly. 3. ELIMINATE YOUR DEBT Eliminating debt comes down to making extra payments against what you have borrowed. You need to take a good look at your budget and see where you can cut on expenses in order to use this extra money for fighting debt. You are also recommended to think about additional sources of income. Every dollar counts when it comes to fighting debt. WHY IT IS IMPORTANT TO FOCUS ON BAD DEBT ELIMINATION? Bad debt is not only costly but can lead to serious consequences in case of loss of income. Bad debt is also slowing you down on your road to financial independence. Bad debt, if not managed properly, will grow over time and lead to serious financial challenges.

Culled from: https://www.growfiniq.com

Investment

CHRISTAL VILLA GARDEN ITAMARUN

Ibeju Lekki is one of the best place to buy lands in Lagos for Maximum Returns on investment.

The fact is that Lands within this corridor have the great potentials for price appreciation in future.

The best time to buy real estate is before the developments happen. Because its going to be cheaper at that time.

Buy the land now in this axis when it's still undergoing development, don't wait until its fully developed.

The more the developments that happened the higher the price.

NEIGHBORHOOD
* Dangote Refinery
* Damgote Fertilizer Plant
* Lekki Free Trade Zone
* La Campaign Tropicana Beach Resort
* Lekki Int'l Airport
* Lekki Deep Sea Port, Etc.

FUTURES:
* Perimeter Fencing
* Street Light
* Guarantee Security
* Sport Arena
* Visitors Park
* Electricity Etc.

Location: Itamarun (Ibeju-Lekki) Lagos

Price: 2.5M
Promo Price: 2M

Title: Excision in Process

Size: 600sqm

For more information, site inspection/plots purchase call or Whatsapp: 07083111902