Friday, March 26, 2021
Blog Page 8

When do I Build my Dream Home?

I happened to bump on an interesting read by Grant Cordone in her article I’ve been investing in real estate for 25 years, and I think buying a house is for suckers. I think the title was my main drive to reading it anyway, not because it was intriguing, but because it was a clear indication of how some of us are ill-advised. In my thinking, building the dream home should come as early in life as possible.

Click here to read the full article

I will not bore you by going through the full article, instead, I will pick one or two quotes from Grant’s work.

“A home is not an investment because it doesn’t pay you every month. In fact, you have to pay it every month. That’s why a house is not an asset, it’s a liability. Nothing is a good deal if you have to feed it constantly.”

To a layman, this statement is in order, not to me. Allow me not to go into opportunity cost class, but before coming to this conclusion, did the author remember that if I was not in my house, then I would be paying my landlord the cash? Cash that I will never lay claim to? Every house, whether yours or otherwise is a liability. What sets my house apart is that it is under my name and thus any improvements I make on it is termed as value addition. I am yet to see an individual who used the flat he has rented as collateral.

Secondly, this analogy is so misplaced and should not be used in this case. For instance, your children more or less ask for cash every month without bringing anything in return, are they also liabilities? In as much as my dream house does not give me an income every  month, I would never categorize it as a liability.

“The house, much like a college education, has been fed to you as the American dream. Really, it’s a middle class myth perpetuated by outdated thinking, politicians and mass media. Buying a house may have worked for previous generations but old ways of doing things aren’t viable in 2016. We are not in the 1950s, things have changed and people refuse to adjust.”

Another shocking way of thinking. How can one say that owning a home is a 1950’s thing? We may belong to a different generation, but where I come from, there is comfort for the family knowing that whatever happens, I have somewhere to fall back to. And there is that prestige that comes with “Building the dream home”, that I tried and made it. That in itself gives one the opportunity to take more risks in business and most likely make a kill from it.

My take on Building the dream home

I will admit that I was once in that school of thought until I got saved. I have come to see the light and deduce why owning a home is not that misguided. For once, your children have a compound to play without the dangers of public interference. Secondly, you can use your house as collateral for financial support from banks and other credit institutions. Finally, there is a freedom that comes with home ownership. It’s hard to understand it until you own your house or look at your parents and imagine how it would have been if you lived all your life in a rented apartment. And here is a challenge, show me one homeowner who is poor. Again, what pleasure comes with building your home when you are 50? Your children will have already moved on, and you will have seen enough in the world for you to take delight in building that dream home. The time is now, before your children get to high school. If you have the capacity to build that $50,000 dream home, don’t you stand there, start digging. After all, why earn it if you cannot spend it on something worthwhile?

Author

Alfawriter

Bad Debts

Quote

Debts are like children: the smaller they are the more noise they make

Source

Spain

Meaning

The small debts you find yourself in are the most nagging yet less beneficial to you. Before you go into debt, make sure you take the time to really ask yourself why you are borrowing the money. Will it add value to you? Is it a proper investment with high returns? A friend of mine told me the other day, its actually not bad owing someone but you have to ask yourself, is this a good or a bad debt.

Author

Alfawriter

Successful People

Quote

To be Successful, you have to look successful.

Meaning

Success starts with one’s mindset. If you are not convinced that you are successful, you will never cut it. One has to be mindful of his investment, you have to honor schedules and promises made, and most importantly you have to keep the company of successful people.

Author: Alfawriter

Only 2 British Universities Make it to the Top 20 Universities in the World

 

According to the Daily Mail,

Cambridge 5th and Oxford 10th in new Chinese global university rankings but no other UK institution makes top 20

Cambridge is the highest placed British institution, according to research compiled by Shanghai’s Jiaotong University.
Oxford just squeezed into the top ten, while University College London (ranked 21st) and Imperial College (ranked 24th) failed to make the list which selects the best 20 of 1,200 academic establishments across the world.

Read more: http://www.dailymail.co.uk/news/article-2394627/Only-British-universities-make-list-world-20.html#ixzz4AAWlO8Gt

Top 10 Universities in Africa

African American university students in a classroom.

 

Our previous edition of this list included three Egyptian universities: Cairo University, American University in Cairo, and Mansoura University. Because of the extraordinary disruption of academic life in Egypt over the last year, we have made the difficult decision to omit Egyptian universities from consideration at this time.

Click Here to access the list of the Top 10 Universities in Africa – 2015 Edition

How to Teach Yourself Javascript Coding

 

Coding could be challenging, but only for the faint hearted. Learn more in details via the following link

https://www.codecademy.com/en/tracks/teachyourself

7 Tips That Will Help You to Succeed in an Online Course

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How to Relax After a Long Day in the Classroom

relax after a long day in the classroom

How to Relax and feel Better after Long Tiring Day: 12 Simple Tips

With the 24 hours that everybody has in a day, some of us try to get more work done in it than most. This means that we physically and mentally tax our body to continue expending energy in order to cope with our chaotic work life. Like any machine, the body and the brain will continue to function smoothly until it is overheated or overworked. When that happens, we must give it a rest or otherwise it will breakdown and fail to work again. It is not enough to embark on a relaxing holiday twice a year to take a break from your hectic work schedule. You must also help your mind and body relax and rejuvenate every day after work, especially after the most long and tiresome ones.

Here are a few simple ways to let your mind and body enjoy some self-time and relax after chaotic hours of work.

Read more in http://listovative.com/how-to-relax-feel-better-after-long-tiring-day-simple-tips/

Why You Should Read Every Day

Why you should read everyday

 

Lets link up with lifehack.org and learn one or two things about reading every day

When was the last time you read a book, or a substantial magazine article? Do your daily reading habits center around tweets, Facebook updates, or the directions on your instant oatmeal packet? If you’re one of countless people who don’t make a habit of reading regularly, you might be missing out: reading has a significant number of benefits, and just a few benefits of reading are listed below.

There are ten tips given. CLick the following link to learn more

10 Benefits of Reading: Why You Should Read Every Day

 

Top 10 Universities in the USA

According to TOPUNIVERSITIES.COM, the US maintains its leading presence in the QS World University Rankings® this year, with a total of 154 US universities included in the ranking. Of these, 30 are ranked among the world’s top 100, while all of the 10 top US universities listed below are ranked within the global top 20.

1. Massachusetts Institute of Technology (MIT)

Massachusetts Institute of Technology (MIT) is not only the top university in the US, but it has also now been ranked first in the world for four years in a row. It has produced many notable and successful alumni and is not only known for its courses in the technology-related fields of physical sciences and engineering, but in recent times also for its biology, economics, linguistics and…..

Click here to read more on the other 9 universities

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