• KNOWLEDGE-Study Books


    Study Books- In our society, with the passage of time, the tendency of reading has decreased, especially among the educated youth. As a result, ignorance and mental confusion is increasing.


  • Blog Writing


     HOW TO WRITE BLOGS                                            


                                                  COMING  SOON

    Blog writing is a skill that needs a good knwledge, experience and focusing. It demands a lot of concentration and time devotion. To produce a proper professional blog you need to have a good command over the language you are writing on...........

    ( will continue shortly, keep visiting) 

  • Retirement Plan-Money Saving



    • Evaluate How Much Money You Need To Retire Early

    Financial experts advise that you should have at least 25 to 30 times your annual expenses in savings or investments if you plan to maintain your current lifestyle after retirement. There are free online retirement calculators that can help you determine how much you will need to save monthly to achieve your goals. Often, most of the calculators will factor in your current income after tax, debt, inflation, expenses, and more to generate the figures you need. 


    • Make Lifestyle Changes

    Living below your means and spending less than you earn is one of the best ways to save aggressively if you are working towards early retirement. You may have to sacrifice living an expensive lifestyle and cutting the amount of money you spend on housing, clothing, utility, food, and transportation. You should also consider taking a second job or starting a side hustle to boost your earnings so you can save more money.


    • Pay Off Your Debt

    High-interest debt like mortgages can hit hard on your retirement savings and reduce your cash flow significantly. You should prioritize paying off all your debts, so you can have more money to push into your savings account. Furthermore, you must avoid falling into new debts while working hard to pay off the existing ones.


    • Use Retirement Savings To Your Advantage

    Some financial, banking and investment institutions offer high-yielding interest account on retirement savings; this means you will get more interest on your money than the regular savings account. You can check out several companies, compare their deals, and go with the one that offers the maximum return.


    • Retiring Early Does Not Mean You Should Stop Earning

    Research has shown that retirees who continue to earn passive income after retirement are happier than those who rely only on their savings. We suggest that you start making plans for investment that can generate a constant stream of passive income after you retire.


    • Have a Back-Up Plan

    What will happen if things didn’t go according to plan? You must envision the worst-case scenario and make plans for it in case the unexpected happens.


    Sacrificing immediate gratification is necessary if you want to retire early. However, you should also not forget to live a fulfilling life and treat yourself with good things along the way.

    Act Now and Enjoy a Happy Life




    Real estate is one of the best investment options for those who want to gain financial freedom and become wealthy. However, investing in real estate has its challenges. You may get your fingers burnt if you don’t plan well and research extensively before committing your funds to an investment property. Today, we’ll be discussing some of the practical tips real estate investors have used to achieve success in their business.  


    • Choose Your Real Estate Market Wisely

    There are various factors to consider before deciding where you buy a real estate investment property. You should target locations with high growth potential and avoid hot markets where properties are likely at their peak prices. To achieve success in the real estate business, we advise that you choose areas with a growing population, a high employment rate, good road networks, and a low crime rate. Furthermore, your choice market should also have access to medical care, shopping malls, schools, restaurants, and more. 


    • Acquaint Yourself With Real Estate Laws

    Take time to understand the real estate rules and regulations that apply to your location to avoid committing infringement that may lead to costly fines and penalties. For instance, discriminating against potential tenants base on their race, religion, income, or job is considered illegal in some locations and can attract severe penalties. Furthermore, some states require you to obtain a permit before carrying out some kind ofrepairs, renovations, or upgrades on your property. Acquainting yourself with relevant real estate laws will help you know when a permit is needed before carrying out an upgrade on your property or not.


    • Target Hidden Market

    Most newbies make the mistake of rushing to foreclosure auctions to buy investment properties; however, the best deals are not always there. You can get the best deals on real estate by targeting distressed sellers who are often ready to sell their property below the market value. You should also look for properties that have not been listed in the market as they are usually available for sale at a reduced price. 


    • Understand All The Cost Associated With The Real Estate Property

    Some investors assume that the only cost they will incur when investing in real estate is the property price, so they end up running into cash problems when there is a need to carry out repairs or tackle other issues. Besides the property price, you may also have to spend money on repairs and renovations, fixing plumbing problems, tackling pest infestations, and lots more. In addition, you should resist the temptation of painting the property or carrying out other fixes yourself because you may end up making the property unsellable.


     Get The Maximum Value From Your Real Estate Property

    Successful real estate investors always look for ways to get the maximum value from their property. Some of the strategies they adopt include renting out unused spaces and offering additional services to their renter to increase their cash flow. 


    Learning from successful real estate investors can help you avoid costly mistakes. Following the five tips above will help you achieve success in your real estate business.