Paris Hilton Invest In Real Property Business In The Philippines

Who would have thought that a very popular celebrity and hotel heiress Paris Hilton would think of visiting the Philippines and would actually invest in a real estate property business here. She virtually have the access to all the best country, first world country in the world, but she chooses the Philippines.

This has got something to say about the country then. That even the likes of her see a great potential in business and investment here. We should take the queue from her from now on and believe that our country is going somewhere, somewhere really good.

She just shot her advertisement for the property she bought and will make one of the Hollywood celebrities most visited resort and beach club in the world, Azure resorts, Paris Hilton Beach Club!

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Strategically Buying A Property Away From Flood Prone Areas

After typhoon Ondoy hit most part of Metro Manila which used to be not prone to floods. I was thankful for having a property located away from them and now is thinking very well to buy a new place that is away from flood prone areas too.

Not every home in this country have flood insurance, who would have thought of such a flood to come here anyway! It was a traumatic and devastating experience I sure don't want to encounter ever.

Seeing what the victims of the typhoon went through, the lost properties, memories and everything they have all wiped out by a very destructive flood.

If it was not for the less civilized neighbors we have I will not think of moving out. There are a lot of nice improvements in the nearby areas, big shopping mall giants are putting up their malls in here. New residential villages are sprouting like mushrooms.

I went to inspect on some but I didn't like the noise and air pollution, its too much!

Does anyone know where is the best place to buy a property here in Metro Manila, away from the flood and earthquake prone areas and are less congested and polluted like the rest? I also prefer not passing through any toll gate because that's an unnecessary expense I don't want to incur.

Your help will be greatly appreciated.

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Smart Real Estate Investing

I discovered a new kind of real estate investment, a kind of investment that isn't costly and less risky. Its called fractional ownership where you only pay a fraction of the property you want to invest on and enjoy the same benefits like investing in full.

This can also be called as time-share investing and is very practical for those who want to have their own beachfront vacation homes that they can use when they feel like taking a break from the hustle and bustle of their daily grind.

With fractional ownership you get to use a vacation home at a beachfront five weeks a year and you just have to schedule your use with your co-owners.

I think this is really good because nobody can use five weeks straight on a vacation unless you divide your vacation five times a year and one week each time you spent vacationing on your own beachfront vacation homes. Of if you don't plan to use up all your five weeks you can have someone use that time you have for rent with people you know, in that way you get your money back too.

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Are Your Ready To Get Your First Time Home Loan

Your landlord is ridiculously asking for an increase in rent every year but your family income stays the same.  You are trying to weigh your options, is it time to get your own home or continue renting.   There are several things to consider first and the most crucial question is : are you ready to render your first time home loan?

Companies, private or government owned have a lot of favorable packages for those who want to avail of first time home loans.  With the recession affecting all economies there are so many foreclosed properties that were sequestered by these companies that they want to dispose off and they are willing to give the property through home loans and lenders specially the first timers.

Now is the time to do your research about the steps you have to do to buying your own home.

1. Figure out how much you can afford
2. Know your rights
3. Shop for a loan, especially those that are tailored to first time home loans and lenders
4. Learn about homebuying programs
5. Shop for a home
6. Make an offer
7. Get a home inspection
8. Shop for homeowners insurance
9. Sign papers

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Pag-IBIG Fund Expands Mandatory Coverage

Under the universal membership coverage which takes effect beginning January 2010, the following are mandatorily covered by the Fund: all employees who are compulsorily covered by the SSS; all employees who are subject to mandatory coverage by the GSIS; uniformed members of the Armed Forces of the Philippines, the Bureau of Fire Protection, the Bureau of Jail Management and Penology, and the Philippine National Police, Overseas Filipino Workers, and Filipinos employed by foreign-based employers, whether deployed in the country or abroad.

With this expanded coverage OFWs can enjoy the various benefits of being a member which include:

Savings. Members’ contributions are credited to their savings or the total accumulated value that earn dividends and fully guaranteed by the national government. In 2009,
Pag-IBIG declared tax-free dividends amounting to P8.5 billion with a dividend rate of 5%.

Short Term Loans. OFW-members can also avail of short-term loans that will help address their immediate financial needs such as payment for tuition fees, hospital bills, appliance purchases, minor home repairs, and even for small business capital.


Housing Loan. A member of good standing is eligible to avail of a home financing loan that has an interest rate of as low as 6% to 11.5% payable in 30 years. The maximum loan amount is P3 million. The loan can be used for the purchase of a fully developed lot within a residential area not exceeding 1,000 sq.m., purchase of a residential house and lot, townhouse or condominium unit, construction or completion of a residential unit on a lot owned by the member, home improvement and refinancing of an existing loan.

More about this story here: http://www.pagibigfund.gov.ph/nr_feb2010b.htm

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How To Be A Broker?

Here's what Brokers do:

1. Brokers talk about what government is doing right -- the homebuyer tax credit tops the list -- and where it should mess out (could the Home Valuation Code of Conduct be the most reviled government policy of the 21st Century?). Many brokers would like the government to implement tougher licensing requirements that would raise the bar for entry to new agents.
2. Brokers reveal their concerns about the disparities in rules and standards at the multiple listing services and Realtor associations they belong to -- and also say they couldn’t function without them. Brokers want their Realtor associations and MLSs to get tougher on rule breakers, help them straighten out agency representation issues like dual agency, and consolidate into larger regional, state or national organizations.
3. Brokers say first-time homebuyers not only account for the largest share of home sales in many markets, but represent the fastest-growing segment of home sales in many of those markets. Second homes and move-up homes, on the other hand, are the most rapidly shrinking segment of their business.
4. Brokers say they may be cutting down on expenses like office staff and marketing and advertising, but many are loathe to do the same when it comes to technology, agent recruitment and training -- areas in which many have actually boosted spending. Brokers generally aren’t pushing for better commission splits with agents or the fees they charge for providing services, either.
5. Brokers said having experienced, trained agents is a bigger competitive advantage than the size of a company or its brand. Serving a niche market or creating an area of specialization was also seen as less important than staying abreast of technology and conducting online marketing.

Now are you ready to be a broker?
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Hope For Forclousres

The percentage of loans in the foreclosure process ticked up to a new record high in the final three months of 2009, and could continue to climb depending on the fate of a record number of borrowers who are "seriously delinquent," or behind on their payments by 90 days or more, the Mortgage Bankers Association said today.

However, the percentage of mortgages 30 days past due eased from the third quarter to the fourth, a concrete sign of a "beginning of the end" of an unprecedented wave of mortgage delinquencies that began in early 2007, MBA Chief Economist Jay Brinkmann said.

While the improvement in short-term delinquencies was good news, loans 90 days or more past due now account for half of all delinquencies -- the highest share in the history of the survey, Brinkmann said. A "sizable number" of those loans are in loan modification programs, he said.  more...

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Five Home Buying Myths

I'm sure you are all curious about the process of home buying and you have no one to turn to but your friends or family to ask for advice regarding purchasing your new home.  While some of them, especially those who have been there and done that can give you useful tip most of them don't know what they are talking about.  Brian Lee, vice president and national sales manager for ditech, a wholly owned subsidiary of GMAC Financial Services, addresses the myths and sets the facts straight.

Myth 1: You need perfect credit.
Fact: An individual's credit score will significantly affect his or her mortgage loan approval and interest rate. Credit scores may range from 500 to 850, but the majority of scores are between 600 and 700. The higher the score, the more options you will have when looking for a mortgage. Along with your credit score, lenders will need to consider other factors before they approve a loan. Carefully review your credit report and immediately contact the credit reporting bureaus to correct any errors. You will want your credit report to be accurate by the time you apply for a mortgage.

Myth 2: Owning a home is more expensive than renting.
Fact: In many markets, owning can be as affordable as renting, especially when you consider the tax advantages of owning a home. Unlike rental costs, which increase over time, fixed-rate mortgages provide consistent monthly principal and interest payments for the life of the loan. As you make payments, the money will be applied toward the principal, increasing the equity in your home over time. Historically, owning a home has been one of the easiest ways of building wealth in America as home prices generally increase over time.

Myth 3: Lenders share your personal information.
Fact: Federal and state privacy laws protect your personal information. Generally, lenders must get your permission to share personal financial information with non-affiliates.



Myth 4: The mortgage process is too long and complicated.
Fact: With the right resources, the process of buying a home and obtaining a mortgage can be simplified. Expect an experienced loan officer to review the home financing process with you, define terms, and address concerns to find the financing option that's right for you. In addition, home lenders such as ditech offer a number of online resources such as payment calculators, appraisal tools and a glossary of commonly used mortgage terms to simplify the home-buying process.

Myth 5: Lenders love to make you wait.
Fact: Mortgage lenders don't enjoy making you wait, but it does take time to review your application. Although some lenders may give you a preliminary and conditional pre-approval based on the information provided in an application, they will need to verify this information. This typically involves confirming employment and income, financial assets, and assessing the value of the home you're purchasing. Other documents, such as a payoff statement, may have to be ordered as well. Because lenders must rely on the response time of third parties, the process may take longer than anticipated. Ask your lender about what to expect when you submit an application and to keep you informed of unexpected delays.
(article source: Orlado Sentinel)

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Toilet With Built-In Sink

The decisions being made today regarding the management of water and energy resources will profoundly affect our economic and environmental future. Climate change and other stresses are limiting the availability of clean water and affordable energy. A large amount of energy is expended to supply, treat and use water, meaning that water-oriented strategies can result in significant reductions in energy use and greenhouse gas emissions.

Here is an awesome idea to save water and reduce your personal carbon footprint: a dual purpose toilet with built-in-sink, don't say ewww!

This fabulous toilet cistern not only flushes, but when it refills itself, it does so via a tap on top of the tank. You can therefore use the water twice by washing your hands in it before it fills the water tank.

Has the potential of saving millions of litres of fresh water in the Australian and global environments.
The water your toilet uses to flush is the same as what you use to drink with. Don't let that water go to waste!
Functions just like a regular toilet suite, the only difference being the cistern is filled in a different way. It requires no additional installation requirements beyond that of a regular toilet suite and is suitable for new and existing installations.
Save thousands of litres a year. Easily meet the '155 a day'target
Saves space and stylish design.

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About Flood Insurance

Sadly most of the home insurance does not cover damages cause by flood and only a flood insurance can cover for flood related losses.

There are two basic insurance policies that deal with a homeowner's damage due to water -- a flood insurance policy and a homeowner's insurance policy. Losses not covered by one of these policies may be covered by the another policy. Knowing the losses to which your home could be exposed will help you decide whether to buy one or both of these insurance coverages.

While insurance policies may differ in the coverages provided, often there are basic features common to all policies. The homeowner should ask his or her insurance professional about the specifics of one's specific insurance policy. In the meantime, the following general information is based on standard insurance policies.

Examples of flood damage may include:

A nearby river overflows its banks and washes into you home.
Surface water caused by a heavy rain seeps into your basement because the soil can't absorb the water quickly enough.
A heavy rain or flash flood causes the hill behind your house to collapse into a mud slide that oozes into your home.
Flood damage to your home can be insured only with a flood insurance policy -- no other insurance will cover flood damage. Flood insurance is available through your insurance professional. To determine if your home is located in a flood plain, contact your county planning office. If you are living in a flood plain, flood insurance may be an excellent purchase.


HOMEOWNERS INSURANCE

A homeowners insurance policy does not provide coverage for flood damage, but it does provide coverage for many types of water damage to your home. Just the opposite from flood damage, for insurance purposes, water damage is considered to occur when water damages your home before the water comes in contact with the ground. A few examples of water damage may include:

A hailstorm smashes your window, permitting hail and rain free access to your home.
A heavy rain soaks through the roof, allowing water to drip through your attic or ceiling.
A broken water pipe spews water in your home.

Even if your homeowners insurance policy doesn't cover the water or flood damage you've experienced, losses from theft, fire or explosion resulting from that damage are covered. For example, if a nearby creek overflows and floods your home, and looters steal some of your possessions after you've evacuated the house, the theft would be covered by your homeowners insurance. However, the flood damage would be covered only if you have flood insurance.

Flood insurance and homeowners insurance do not duplicate coverage for water damage. Instead, they complement each other. It is up to you to talk to your insurance professional about flood insurance and homeowners insurance and then decide which insurance coverage you need to protect your home, its contents and your family.

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Luxury Home Must Haves

People have a misconception that luxury items are not really useful. It's not true the reason they are more pricey than the regular items is that they combine style, and functionality at the same time. While most household can't afford having a custom while cellar or a in-home elevator or escalator, here are some of the latest and inexpensive luxury home must-haves that will be a standard in every homes soon.

Kitchen

Warming drawer — This is a practical item to keep foods hot and moist. Best for those who like to entertain lots. You can keep the food in there until you guests arrives or the rest of the meal you are preparing is ready to serve.

Multi-level islands — This is something very practical as it adds dimension in the kitchen. A portion can be use as a comfortable eating surface and can mask the clutter around a sink or stove top area.

Three-door refrigerator — Two French doors on the top and a large one-drawer freezer on the bottom make for easier access to the items you use most.

Food prep sink — An extra sink doesn’t need to take up a lot of precious counter space but in a large kitchen it can improve the work flow and even encourage others to participate in the food preparation.

Bathroom
Vertical spas — One of the hottest trends in today’s baths, these incorporate multiple showerheads, water diverters and sophisticated temperature control systems into your shower.

Heated tile floors — Add to the spa feeling with cozy radiant heat under tile flooring. If you’re considering new flooring, this is easy to install and a big selling point.

Towel warming drawers — This luxury trend started in the kitchen and is taking electric towel bars to a new level by warming up your robe and slippers.

Stone countertops — Granite, marble and soapstone come in natural colors that complement most bathroom cabinets. They’re also easier to keep clean compared to traditional tile.

Masters Bedroom

Fireplace — Gas fireplaces are quickly becoming fixtures in luxury homes. Builders are maximizing their effect by constructing them into a wall adjacent to the master bathroom so they can be seen from both sides.

Walk-in closets — Walk-ins are almost required in new homes today, but the luxury market has taken them to a whole new level with the addition of extravagant cabinetry and center islands with storage drawers.

Outside
Outdoor kitchens — More and more homeowners are taking their cooking and entertaining out back with the addition of fully functional kitchens that include grills, custom cabinets and worktops, and even wood-fired ovens.

Heated patios — An emerging trend in cooler climates, radiant-heated patios and driveways melt snow and ice and keep walkways safe.

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Make Money With Link From Blog

There are several ways you can earn money from your blog. You can either sell space on your blog for advertisements, write a post for an advertiser or join an advertising company to place ads on your blogs. This is the easiest and fastest way to get the money rolling in your blog.

Blog advertising companies either place banner ads on your site, or ask you to write a certain post with a certain number of words that includes a link to their advertisers (within the post), a review of an advertisers site, services or products or just a simple link from your blog.

Link from Blog is one of the blog advertising company that pays you through links published in your blog within a post. Depending on an advertisers requirement most paid post can range from $5 and up. What's good about Link from Blog is you don't have to put a sitewide code but within the post only which is perfect for someone who also publish links and ads from other blog ad network.

If you want to start earning from your blogs, join me here and start making money in the Blogosphere!

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Style Hints For Condo Owners

It's a limited space but if you know how to make use of it then your condominium unit will surely go places:

• First, it's very imprtant to have less than more. Clutter should be avoided at all costs because clean lines are always more relaxing for a house, particularly for a condominium since it's smaller.
• For designs, simple is always better than complicated.
• For furniture, comfort is most important especially for condominium owners because you can't choose too many of them.
• Having too many small items is a no no. They're hard to clean and they just complicate your life. Have bigger impressive pieces that tell a story instead.
• When it comes to colors, go for the neutral because your eyes don't get tired o fit. However, a house that is all neutral is so boring so it's best to have an accent, a bold color that won't be too overpowering.
• Decorate with plants. That's probably the cheapest and the best thing to do in giving your house some life.

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The Truth About Condo Fees

The term condo association fee is also sometimes refereed to as the 'condo maintainance fee. These are the monthly fees or charges associated with living in a high-rise.

Common condo association fee charges are often used to maintain common areas and is used for typical expenses associated with the upkeep of community amenities as well as administrative cost. Cost can either include landscaping, repairing parking lots, keeping hallways or stairwells clean and well lit, paying for printing and mailing of condo association rules and other correspondents.

Condo association fees may also be used to pay wages or salaries for those employed by the condo association. Property taxes, legal fees, the association liability insurance, and in some cases certain utilities such as water, sewer, and trash removal are included in its scope. Security personnel or equipment may be included as well.

In a broader sense, condo association fees are determined by taking the total operating budget of the condominium, adding in a factor to fund any reserves that the association directors and owners believe they should be funding and dividing that amount by the ownership interest in the common elements of each unit. That annual sum is then usually collected in monthly payments, although some projects bill in quarterly or annual payments to minimize accounting effort.

Take note that no part of the fee is profit for the association. Condo association are non-profit corporations set up to administer the building on behalf of the owners.

In addition, it is important that you know exactly what is expected of the staff. It is always a smart idea to know exactly what your rights are but this should also include knowing your limitations.

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What Is A Healthy Home?

People are more health conscious these days than ever. More and more are conscious about what they eat, what they wear, what they buy. However, most of us don't pay much attention in having a healthy home. We use too many chemicals, consume too much electricity and clutter stuff too much that makes our homes unhealthy.

"The healthy home nurtures those who dwell inside and also protects the world beyond its walls. Designed with sensitivity for the environment, it is energy-efficient, economical, sustainable, and non-polluting."

"A healthy home may resemble the eco-friendly houses that evolved as part of the popular green architecture movement of the 1980s and 1990s. Drawing from ancient building techniques, these homes are constructed of earth, clay, straw, or steel-reinforced concrete forms. Solar-powered and naturally cooled, they provide modern comforts without draining resources."

"However, you don't need to set up housekeeping in a monolithic dome or an earth-sheltered dwelling to live in harmony with nature. Even the most traditional home, which may have been built long before the rise in environmental consciousness, can be adapted to incorporate the key principles of healthy design."

Healthy For the Body

• Free your home from toxins
• Arrange furnishings and storage for comfort and ease
• Get rid of bulky, dust-collecting cushions
• Vent moisture from damp rooms
• Create special places for exercise and relaxation

Healthy For the Psyche

• Clear away clutter
• Let in the sun
• Choose mood-enhancing colors
• Grow fragrant herbs
• Fill rooms with soothing sounds

Healthy For the Soul

• Provide quiet places for reflection
• Replace throwaways with keepsakes
• Strive for simplicity and moderation
• Bring nature indoors
• Honor the environment

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Dust-Resitant Window Treatment

Dust proofing our homes does not mean we have to compromise aesthetic considerations. Using a carefully researched and proprietary technology, Hunter Douglas products are dust-resistant, which inhibits the proliferation of dust mites. Also, these window treatments repel soil, dirt and stain, and require minimal cleaning so keeping a dust mite-protected home is hassle-free.

All Hunter Douglas products feature sleek designs that can match a wide array of home designs . Hunter Douglas’s window treatments that promotes indoor health does not compromise stylishness and aesthetics. The streamlined design of Window Fashions products can suit any kind of home and any particular room.

For example, the Duette Honeycomb Shades offers versatility for almost all window shapes and sizes — wide and narrow, high and low, square or round.

Hunter Douglas treatments deflect 65 percent of outside noise, which makes classrooms more conducive to learning and homes more ideal for after-school studying.

“Everyone has to do their share to improve the quality of learning that Filipino children get and giving them an asthma-free learning environment is something that parents and school administrators can readily address,” notes Lapira.

By seamlessly fusing functionality, aesthetics and indoor health enhancing properties, Hunter Douglas Window Fashions shut down windows against dust mites and open new ones for people to live healthier lives.

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House Warming Gifts

Someone who had just move-in to a neighborhood definitely does not have everything they need in their home. A house warming party is often organized not just to warm the house and welcome the neighbors but also to help a newly moved family have something in they could use for their new home.

There are no rules on what gifts to give as a house warming gift. Anything that you think you might need in your own home is acceptable. But if it's a newly wed couple then just get what's in their bridal registry and you are good to go.

Here are some nice idea you can put together as a house warming gift.

* Fresh Plants

* A Wreath for the Door

* A Food Basket

* A Bottle of Bubbly and Flutes

* Decorative Scented Candles

* A Dramatic Vase or Serving Bowl

* A Gift Basket either of the following:
o A Basket of Tools
o A Garden Basket
o Art in Progress
o Paint Supplies

* A Pair of Candlesticks

* A Picture Frame

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How To Prevent Home Decorating Mistakes

When you look at a space in your home that needs an immediate make-over do you get excited and work smoothly or get overwhelmed and stop right away. Well here are some tips that will empower you to tap your creative gene and prevent home decorating mistakes.

1) Always be familiar with the space that you will be decorating.

Grab a pen and a paper, tape measure and make a scale layout of the room's perimeter because the best visual remembrances fail against the reality of a scaled drawing in front of you. By this you will have a representation of the room and you will now be able to determine the sizes of the furniture you wish to purchase.

2) Create a checklist of all the supplies and materials you will need. It's best to list the items by urgency of their use.

3) Establish a budget range

The guidelines of a budget save not only your wallet but sometimes your relationship. If you choose to splurge, at least you do so intentionally.

4) Walls and floors are your frame

Consider the floor and walls as your frame. Pay attention to the colors and coverings of your frame. As you decorate within this canvas, remember that this "frame" unifies your decorating, so it is most the logical place to start.

5) Choose lighting fixtures that work best for you functionality wise and aesthetically wise.

6) Don't be afraid to be bold on your design. Mix colors, textures and patterns. Browse magazines or displays for inspiration.

7) Whether you prefer traditional, contemporary, or modern, decorate with your personal sense of style. Be bold not intimidated by mixing period pieces. Eclectic style works provided proportion, color, pattern and texture appear harmonious.

8 ) Do your homework. Learn more about the product you want before you get them. Tou would reap the rewards of some time spent learning more about the products you use to decorate—especially big-ticket items.

9) Balance and scale work together. When you look at the positioning of elements in your room and something hits a discord in you, chances are proportions clash. Getting the balance and scale right takes some practice. Again, take cues from other resources.

10) Use space effectively

It is eminently helpful to make scaled cutouts of the furniture and position all the pieces to your liking within your scale drawing. Gather large pieces to make the most of a focal point. Arrange some informal seating areas.

Happy decorating!

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Styling Your Living Room

The main part of the house is always the living room. It is the busiest place in the house where you receive guest and have a fun family bonding time. It is always best to keep this part of the home most attractive yet functional. Here are some decorating tips to funk up this space.

• Choose the focal point of the room. It’s a piece of furniture that your eye is drawn to when you enter room. It can be a TV set, a picture window, a painting or even a fireplace (if you’re somewhere cold).

• Position the largest furniture piece (probably a sofa) opposite the focal point, approximately 10 feet away. It can be placed in the middle of the room.

• If you have an area rug, place it under the front edge of the sofa. There should be space between the rug and the focal point.

• Place the center table in front of the sofa.

• Put other furniture pieces on either side of the sofa to form a U-shape. The coffee table should still be within reach. Try to balance both sides of the U. If you have a low and club chair, put the loveseat (or two-seater) on one side and the club chair on the other. If you have two chairs, put one on either side. (Note: If you have two large pieces that are similar in size, put them on either side of the U, and the small chair at the end of the U.)

• Position end tables near the furniture that they fit best. Don’t put all of them on one side of the U.

• If you have other furniture pieces, it’s best to move them out of the room or place them in empty spaces. The key here is balance. You can put a chair and a table in one corner, a table at the back of the sofa, or a book case on the wall opposite the fireplace.

• Arrange home accessories to complement the furniture. Don’t just stick them on walls. If you have a console table, put a picture frame on the mantle together with some accessories. Leave the wall space on either side of the focal point empty.

• Lastly, make sure you have a comfortable, cozy conversation area."

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Sofa Beds

Space is one of the problems of condo living. The space is very limited and having bulky furniture will just cramp the space some more. One of the best solutions for this is to use versatile furniture that can be used in many ways or can be folded when not used.

Sofa beds are the ultimate solution for small spaces; these nifty pieces come in various shapes, lengths and sizes that are adaptable to whatever space you find yourself settling in.

There are types of sofa bed that can save a lot of space since they can be pullout from he wall. On the other hand there is more streamlined designs that resembles and orthopedic bed that is easy to set up since you just have to flip the seat over and put the backseat forward. There other designs that just needs to be pushed down and becomes a bed instantly.

Prices may range from P6,000 to P25,000 you can find these sofa beds at Dimensione branches: Homezone Glorietta 4, Robinson’s Place Ermita, Rockwell Power Plant Mall, SM City North Edsa, SM Megamall, Alabang Town Center, TriNoma, Mall of Asia and Dimensione Bonifacio High Street, or log on to www.dimensione.com for more details.

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