5 Tips for Millennial Home Buyers
As true millennials, of course you want to have a home so that you have a bright future with your family.
So if you’re a millennial looking to buy a house, here are five things you can do to make As true millennials, of course you want to have a home so that you have a bright future with your family. Here are some steps you can take to make your dream come true.
1. Check financial ability
First, prepare a balance sheet including income and expenses.
2. Create a budget
Do some research and learn about several possible ways to pay for a house other than the cash payment method. For example mortgages, or by other methods.
3. Set priorities
From an existing financial plan, make priorities so you can focus on one thing. For example, you plan to take a mortgage. So, your first focus is to fulfill the downpayment first.
Investment can help to develop assets against inflation. For example, for a house down payment, set aside 30% of your salary to the appropriate investment instrument. Over time, with consistency, the budget for a home down payment will be fulfilled properly.
Investment can also be an alternative choice for saving emergency funds. You can save this emergency fund in an instrument with a low level of risk.
In addition to an emergency fund, pay attention to insurance, if you are the head of the family. So, make sure that you have complete protection first, then execute your financial plan.
The discipline to implement a detailed and comprehensive financial plan is very important. For example, keeping your installments under 30% of your regular salary if you take a mortgage scheme is crucial.
Note that 30% includes all existing debt repayments. So, if your main intention is to buy a house, then you should focus on this plan first.
In addition, plans to buy a house require a long-term disciplined commitment. Therefore, start being disciplined in executing your financial plan. With some of the tips above, you can try to realize your dream of buying a house. Good luck!
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Worry-Free Vacation? Why not!
When planning for a vacation, have you ever felt so stressful because you must arrange the itinerary, book the hotels, flight and so forth? While at the same time, a few unplanned events come up suddenly and you must cancel your trip.
Accidents may occur while on vacation, lost luggage or money and even important documents such as passports. In addition to vigilance, you should also consider travel insurance when traveling. In addition to protecting losses due to accidents, you will also get a guarantee in the event of a loss or trip cancellation. Worry-free vacation? Why not?
Tips: How to Choose CCTV for Your Home
Surveillance technology that relies on Close Circuit Television (CCTV) is increasingly developing nowadays. CCTV can help you in the event of a crime, demolition or other event that poses a risk to the security of your home.
CCTV is not just a camera and recorder, this tool already offers a high level of security that combines audio, face detection and infrared features, as well as quality night vision recording.
What should you do when you want to buy a CCTV camera for your home?
1. Analog CCTV camera, for longer recording duration
Analog CCTV cameras consist of special cameras and monitors that work only by being connected to a power source (power supply). This is the main advantage of this type of CCTV camera. In addition, some products of this type of camera can be connected to an external hard disk. As a result, you can get a longer video recording duration.
2. How to Choose a Wi-Fi CCTV Camera, for more flexible checking
Most CCTV cameras for homes that are marketed are IP cameras or Wi-Fi cameras (network cameras). This type of camera is connected through the internet network, then you can check it through the application on the cellphone. The advantage of this camera is that the price is much more affordable than analog CCTV cameras.
3. Camera Resolution
CCTV cameras have different types of quality from one another. For example, with HD or TVL quality. This selection is also adjusted to the needs and available budget so that the camera runs effectively.
4. CCTV data storage
Data storage capacity for CCTV is very diverse. You can choose a capacity of 16 GB to 1 TB. Not only that, the storage capacity can be increased by adding an additional hard drive.
5. Choose a camera that can capture objects clearly, even in dark places
If you still want to see the darkness of the night, choose a CCTV camera that is equipped with the function of capturing images in dark conditions. There are several types of cameras that have this function, for example cameras with infrared and cameras with night vision.
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