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
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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
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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
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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
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10plot available

 📍📍 *IMPERIAL GARDEN*
Location: Abijo GRA Lagos
just behind Corona School
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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