Monthly Archives: September, 2017

Etiquette: Mind Your ‘Apartment Manners’

Being on your own doesn’t mean you can go around the area and trash the place. You need to build a good reputation. A good reputation will help you get along with your neighbors. It makes the landlord proud of you. Most of all, you learn to live accordingly.

You need to cultivate manners. Being a twenty-something at the Lerato for rent is classy, but nothing beats a tenant with manners. Nowadays, renters and homeowners are much focused on traveling. They forget to provide a sense of community because they are not bent on settling. Still, people with class would rather have apartment decorum before expensive upholstery.

Manners are easy to learn if you give time to it. Here are five civilities you can practice.

Habits to start now

  • Send warm greetings to neighbors

It feels nice to receive a “good morning” with a smile. Why don’t you try doing the same to the people next door?

Offer a smile and nod to acknowledge their presence when you encounter anyone from the building.  That way, they can warm up to you. Bid them a good day and remember to say please or thank you every time something comes up. A sincere greeting now and then is the easiest way for people to like you. Plus, they will remember you for your pleasant attitude and friendly demeanor.

spend time with family and friends apartment manners

  • Spend time with family and friends

It may not be your neighbors’ business, but having no one come to your home may send warning bells. Neighbors can get suspicious of you. It’s unusual to have no family or friends come over, even just once.

To avoid suspicion, invite your relatives and friends over the weekend.  You may not have the luxury to meet them in your hometown or at the usual hangout joint, but your apartment is free. Bring the festivities at indoors. Host a dinner or slumber party. You can also offer your place as a chill out spot for the barkada. You can suggest a potluck on food and drinks if you’re not the type to cook.

  • Tidy up the apartment

Consider other people in the vicinity, especially if you live in Lerato. If you are not aware, your home extends to the other areas of the complex like the fitness area, pool, gardens and parking lot. Practicing neatness and order doesn’t stop at your unit.

Try not act like a privileged neighbor who has an au pair which follows your every move. If you have to dispose of your trash, properly segregate and wrap it. Take note of collection dates and don’t leave a week’s worth of junk at your door. Don’t expect others to dump it for you. Stocking the junk will leave an unpleasant smell. Neighbors will come knocking at your door.

prioritize health apartment manners

  • Act appropriately

At the same time, don’t be a slob behind closed doors. While no one can see the state of your rental on days you are in a rush, the stress of having a messy space can affect you. What’s worse, you never know when maintenance will visit. Better keep the place clean at all times.

When people come over, remind them of the rules in the building. It’s best they follow them to avoid penalties. It’s hard to get branded as misfits.

  • Organize and make the space personal

Space is limited in a rental. It doesn’t have the comforts of a house, especially when hanging clothes. Have a space for hanging delicates in the kitchen or corner space instead of the balcony. Place these pieces of clothing out of the way.

Try to personalize your living area. Add decorations that will bring out your personality. A cozy interior provides a breather from the pressures of work and daily life. Inspirational pieces will break the monotony of the space and motivate you in the walls of your home.

tidy up your apartment apartment manners

  • Prioritize health

Spreading virus and bacteria especially in confined spaces is possible. The elevator, function rooms and communal are possible breeding grounds for harmful diseases.

Be a good neighbor by taking care of your health so you won’t be the one to start an epidemic in the area. Stay active and make use of fitness amenities in the complex. The moment you find yourself with signs of any sickness, take some rest. If it doesn’t go away, visit your doctor.

If you start practicing these five manners, neighbors will start being cordial to you. Ditch the habit of being a flighty millennial and embrace the warmth of belonging in a community. Attend to your manners and your apartment’s building will be the oasis you crave.

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4 Truths on Buying a Home with a New Job

You are just starting out as a young professional. You got everything under control. But at the tender age of being a twenty-something, you want to fast forward to the moment when you get to buy your place.

Buying a house entails risk, they say. However, that is an ancient thinking. While home buying always include additional costs, acquiring one isn’t as complicated as it used to be years ago.

Many working Filipinos are now opting to look for properties for various reasons. Some young adults want the comfort and convenience of a condo. Others want the flexibility of buying a low-cost housing in Cavite or other accessible communities.

It may be easy to acquire property, but you have to ask yourself if you are ready for the reality of having one while being in the early stages of your professional life.

Truths about homebuying

Truth #1: Buying a property is a huge responsibility.

buying a house is a huge responsibility

Besides the obvious of being independent and living alone, buying a property means financial responsibility. You can purchase a property without a savings fund. Banks and government agencies such as GSIS, SSS and PAG-IBIG offer loans with flexible term payment. Other companies also offer cash advances or loans that will be carried over the employee’s monthly salary.

Regardless of the source of funding you choose, you have to make sure you have it all planned out. The agencies and banks will check your qualifications. Your current income is a factor that determines if you can afford to pay the amount of money you owe. Other than your income, your spending habits have to be kept in check.

Financial institutions expect you to pay your dues accordingly. Even your salary is enough to cover the monthly amortization and loan fees, your shopping trips and lifestyle habits each payday may overpower your obligations. You have to consider other areas of your life. You may have to spend more on others so make sure getting a house doesn’t mean you have to sacrifice your priorities in life.

Truth #2: Credibility is important in credit.

insurance is necessary

When you get a loan, you need signatories. The people you plan to include as signatories will serve as your referral.

Banks will ask you for guarantors, who will pay the fees and debts on your behalf during bankruptcy. Looking for the right people who will fit the bill is difficult. It requires trust from both ends. You need to establish good credit history so people can make sure you won’t fail to meet obligations. Their doubt level will be less and people will more likely accept the proposition if you are trustworthy.

At the same time, you need to choose people you can trust. Some people want to have their financial activities under wraps. Thus, include individuals who are responsible when it comes to personal information. Most of all, choose someone who accepts to be your fallback in case of emergencies.

Truth #3: Knowing the taxes and fees will save your life.

know the taxes and fees

Advertisements, sale offers, and packages will not include the exact figures on charges, fees, and taxes.

It’s important to research these, so you know what to expect when an offer is on the table. Find out the breakdown of monthly and annual fees from close peers and relatives with a similar property. That way, you won’t be surprised of the accumulating digits as the days pass.

The initial payments are the property reservation fee, monthly down payment, tax and spot bank charges from the bank. There’s also the closing sale costs which may not be divulged by your broker until later. It’s advisable to have at least 20% of the down payment price saved for these purposes.

Truth #4: Insurance is necessary.

insurance is needed

Insurance is helpful especially for events beyond your control. Fire, indoor flooding, and earthquake are accidents waiting to happen. There’s no particular time and day for these activities.

Signing up for an insurance gives a sense of security as it offers a buffer in case of these events. An example of insurance is the Mortgage Redemption Insurance (MRI) which is part of what you pay when acquiring a housing loan. The insurance will cover the family’s daily expenses in case of death and disability of the borrower. There are other benefits to MRI, but you also have to see if the coverage of the policy works for you. It’s important to have insurance that is greater than the asset value.

Same as other life goals, home buying has steps to follow. You need to have the determination to build you cushion fund. You must be ready for the responsibility of maintaining a property. You must get a hold of yourself and make a strong financial history. You need to understand the terms and conditions of the payment and insurance policy.

Buying a home is not a walk in the park, but getting a dream home as a young adult will bring the park at a close distance.