Why Retirees Should Invest in Baguio City Real Estate and Stocks?
People in the workforce are now offered an early retirement at 60 years old.  Yet, some of our beloved seniors are still that strong that they can “pull a carabao.”  Because of this “extraordinary strength” that they got, they extend their service to the workforce until the age of 65 where retirement by then is compulsory.
Because of that, what will we recommend to the seniors of our workforce who are not yet ready (but are required to) retire?
One way is investment of their pension in Baguio City’s real estate or the stock market.  Let us check out what are those before we do recommendations.
What is investment?
Just what is “investment”?  Simply put, it is “Money committed or property acquired for future income.”  It can also be put as “creation of capital or goods capable of producing other goods or services.”
What is real estate?
So, what is real estate?  Nowadays, why are so many attracted to the idea of investing in real estate?  Let us answer these questions.
According to investinganswers.com, “Real estate refers to land, as well as any physical property or improvements affixed to the land, including houses, buildings, landscaping, fencing, wells, etc.  Vacant land and residential lots including condo units, plus the houses, outbuildings, decks, trees sewers and fixtures within the boundaries of the property are examples of real estate.”  Why do so many investors today opt to invest their money on real estate?
For one, house and lot is one of the basic needs of a family.  A family needs to have a permanent address so that a local government unit (LGU) will be able to register them under their care and authority.  This way, they will be able to avail of services that only residents within that LGU are qualified for.  Not to mention is the fact that they will no longer have to pay for rent that is ever rising nowadays most especially in the urban areas.  If they will be able to acquire a lot aside from a house, they will also be able to grow food for their own family.  This will also mean lessened food expense for the family as well.  What is more, house and lot can be given as inheritance to their children, or to anyone they wish for that matter.
What is stock market?
The website themint.org defines stock market as “a place where stocks and bonds are "traded" – meaning bought and sold. For many people, that is the first thing that comes to mind for investing. The goal is to buy the stock, hold it for a time, and then sell the stock for more than you paid for it.”  Why would a company sell units of ownership to people such as retirees?  Well, two of the reasons are: “improve the products they have and hire more employees.”
Seniors in this regard have lived long enough for them to have comments on how good/inferior the quality of products nowadays are compared to before.  And since they think they still have “something” to contribute to the workforce, they will still be a welcome to the stock market, wherein the Truly Rich Club by Bo Sanchez can lend a hand.
We had just seen why investing on stock market and real estate is good for retirees.  Pension for our seniors are definitely enough for them.  But if out of their golden hearts they still want to help their family as well as their community, investing a part of their pension on real estate or the stock market would be good options.

Cold mornings, hot cups of coffee, and plenty of smiles on your face while you stare at the city’s landscape dotted with properties stretching from one corner to the other. If you’re more of the night person then you would enjoy sipping your favorite cup of warm drink while marveling at the mountain of lights that graces the whole terrain. Surely, it would never be tiring to just be lost in the moment while you are in Baguio City. It’s a place that’s conducive for learning, a good spot that’s great for soul searching, and a comfy place to raise a family.

A great number of developers have made it possible for people from other parts of the country to acquire properties in the Summer Capital of the Philippines. Real Estate investment in Baguio City is a must. It’s a prime tourist spot that attracts visitors from all over the country and also foreigners from different parts of the world. You can choose from a wide array of real estate properties, there’s the usual pre-owned houses or condo units, brand new houses located in subdivisions, and condominium units waiting to be bought.

There are several condominium for in Baguio City for sale like Goshenland’s North Cambridge, The Courtyards, The Central Apartments, and Burnham Hill, DMCI House’s Outlook Ridge, Bristle Ridge and a dozen of others scattered all around the city. The prizes range from P2M to P10M depending on the size and the amenities included. They have very flexible paying terms that you can freely ask from the realtors. Most of these condominiums are just a drive away from the heart of the city which makes them all the more preferable especially for students.
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Getting House and Lot in Baguio City is also very doable since there are a huge number of houses that are being placed in the market. Their previous owners are mostly living in other countries (or will be moving to other countries) so most of prices of these houses are very much negotiable. You just need a good sense of humor and some skills in haggling to get a good deal. Depending on the size of the house and location, prices would range from P1M to P30M. It’s a huge amount of money but it’s a good investment whether you use it for your family, or you have it leased.
A good number of people dreamed of settling in Baguio City, others just want a property they could be able to invest on. Whichever your purpose maybe, you should now be googling all the possible places you would be considering to buy. Ask around for realtors who would be very attentive and resourceful and who are on the-know about the new houses and condos that are up for grabs. Living in your dream houses is possible as long as you are able to save up for the amount, agree on the terms of payements and get discounts. Who knows in a year or two you’d be sipping coffee in your own porch, reading Midland Courier on a Sunday morning and you stare at the view outside as you’re about to go out for a morning uphill jog.

Investing in the stock market and real estate can be a scary proposition. There are so many investors trying to reap benefits from these sectors. There are loads of opportunities for acquiring financial resources that will provide long-term profitability to the buyer. Recent global volatility in stocks got investors worried but markets recovered shortly after and for an avid investor with an insight into the statistics will reveal how the prices dipped so many times and then got back even higher steadily.
 
Many people get stuck with real estate investing plans waiting to see markets improve and even before they know that is a fantastic deal lost. Real estate like stocks is constantly fluctuating. The concept lays in proper knowledge and training so you ca act rapidly as soon as an opportunity arises. The market is currently for the buyer and investors have a great way to benefit from stocks and real estate today.

• Lower mortgage rates make for good investment and an equity that provides substantial benefits.
• Foreclosures recently reached a surge in volume which means more rental properties are available without mortgage payment hassles.
• It can seem a step backwards when it comes to moving into an apartment after living in a home. For a real estate investor, this can be a great opportunity since those already having lived in a home can be better occupants of a property and thus retain its value.
• As opposed to hiring a property management company, property owners prefer to have a good buyer that provides security to the premises. A good investor is always a credible asset to the seller.
• Prices of real estate are low in most regions especially if you know how to invest with your stock dividends and reap amazing benefits. Understanding which sector of real estate to invest to i.e. housing, condo unit, rental, etc.
• The buying prices fluctuate depending on the region. Consider investing in properties where relocation will be lucrative. People love housing in areas that have better amenities while living costs are low.
• Short sale market is at its highest now and investors can buy non-foreclosure homes at great prices. This is particularly impressive since foreclosure homes usually sit vacant for some time until listed.
• Real estate investments like house and lot are great opportunities for long term benefits since the asset will still be valued much higher than what it was at the time of investment. For stocks too, it is great if these are held for long.
• Again just like real estate investments, investing in stock are an option to reap returns only when you have an experienced mentor with you like Bo Sanchez of the Truly Rich Club.

 
Risk tolerance is one essential factor where you must realize the vitality of selling real estate or stocks to gain more stable investment opportunities in these sectors.
        

There are several investments in life that you’ve already made although it isn’t something you may always realize. If you happen to own a car, piece of land, or a home you already know the kind of purchases you need to make at a higher price. These investments were made because you knew that they will have physical or monetary value for you in the future. Both cars and homes need maintenance and protection from elements that provides value to your lifestyle, although the concepts are much more abstract when it comes to monetary investment in the stock market since it involves making money in return.

• If you are looking to invest into the stock market, it is important to perform a lot of research.
• Start with researching into a company that you’re familiar with. This will prevent so much of investigating in the first place; however you should be aware of what you’re investing into.
• Another vital aspect of good investing is the way the company has performed to gain confidence of investors.
• For a fairly new company without real investors, it’ll be quite some time before you can actually see results. Profits from their stock can be hard to achieve, especially if you don’t have a mentor or organization to guide you like the Truly Rich Club by Bo Sanchez.
• Long term viability with owning company stock and reinvesting dividends when market is high is crucial.
• Work with an investment specialist or a financial advisor to keep your savings intact. Though they will charge you for their services, yet it helps in a market where you’re a new investor.
• Comparing market capital for business determines whether the stock purchase will be of benefit later.
• Invest in a company that is performing well as has a vision for growth. If investment opportunities provides better management, good pricing and profits, limit your investment till it brings returns.
• When businesses buy back shares, it means that they are looking to increase shareholder profitability, which is a good sign for investing.
• Simple business model that is clear and has more growth is likely to be stable. Bringing up newer money making avenues isn’t tough for a business, if it has a good growth curve. More customers and profits can be expected as a result.
• High return rate from a business that outperforms all adversities is an asset much lucrative especially real estate like house and lot and condo unit that offer cheap price to obtain greater value.
• Liquid money can be redeemed at any time without penalty like stocks.

 
Investing in stock and real estate is able to yield outstanding results. Both investments follow these traits and hence are worthy of purchase.