Sleek and simple but a bit more personal: Interior design trends for 2017

The first few months of the year is often the start of an entirely different ball game in the world of interior design. The things which might have looked fantastic six months ago may no longer be as chic as it would be today. Design truly is a fickle creature. That’s why leading experts in the field try their best to stay in the know by keenly observing what kind of trends will follow the industry as a whole. For the most prolific, they can create and start a new trend themselves.

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Generational fault lines

One interior design prediction by a luxury rental developer is that the favorability of designs created this year will lie partly on the generational fault lines. This is driven by the growing number of millennials and baby boomers who are now shying away from home ownership. Generation Y is also following the dogma “less is more.” They want their space to be uncluttered and less fussy than traditional designs.


Geometric minimalism

Chanel Korby, the director of business development at a brokerage firm, also confirmed the appeal of clutter-resistant areas to young adults. The world outside is only becoming more hectic, that’s why people are now opting for tranquil environments in their homes. Even in the midst of a bustling cosmopolitan city, homes can achieve Zen-inspired interiors.


Emphasis on personalization

Millennials might be shying away from quite a number of knick-knacks, but that doesn’t mean that furniture are only applicable to the older generation. They just want a specific set of demands which will highlight who they are as a person. Young adults want to mix design styles and create a one-of-a-kind simple look, and they are more than willing to dish out more money to get what they want.

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Return to gold

The world’s most popular precious metal will once again make its way to interior design this 2017. This design trend has always been a classic, but it can now be used in conjunction with modern styles, especially when used as a finish for kitchen light fixtures and hardware. Gold tends to look great in every room, and pairs perfectly with a wide range of palettes and patterns.


Mixing furniture pieces properly

Scandinavian design will dominate this year, thanks to its clean lines and refreshing balance. This particular trend embodies the idea of simplicity, which many modern homeowners are continuing to gravitate to and enjoy. How to achieve the look? Neat and proper combination of furniture piece. Simple but sleek designs always translate to comfort and positive ambiance.

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Poor housing market propelled by the last major economic crisis adversely affected the interior design industry. However, things seem to be turning the tides as the business managed to grow fairly well over the last five years and is expected to do better up to the end of the decade or even beyond. The housing market is expected to improve dramatically, yielding growth for residential interior designers as home sales skyrocket. For investors with the heart for the arts, the interior design market could be a good venture to tap into.

The Advantages Of Investing In Real Estate

There are many things one can invest in and among them is in the industry of real estate. A lot of people find it more lucrative now to put their money in this department because they have seen great results for those who did it. I would like to say that investing in properties is ideal more than doing it in other venues. Today, you will learn about the many advantages on investing in real estate.real estate investment 2


  1. The fact that this could actually generate money once you started investing in it is a huge green light. Whether you want to resell it upon acquisition or you would want to have it rented, either way you would see that one is able to generate income out of it. Of course just like in any other businesses, you would experience some down time. But the beauty about investing here is that you can be sure that you would profit from it eventually.
  2. Another thing that you will love from it is the fact about depreciation. It means that when an asset or property depreciates, you could still use that for your tax benefit. This also means that once your investment real estate depreciates, the taxman in your country would have to reduce that amount on annual basis from your taxes. The total value of the real estate you invested in would be based on its structure, the materials it was made of and the amount of time since it was built. Usually, the taxman would separate the value of your property based on its structure and the length of time since it was last built. As the year goes by, the property depreciates and that would work well with your tax payment.
  3. The next advantage you have from it is the fact that all the expenses spent related to your investment in real estate are actually deductible. Having a property manager inspecting your investment or when you have it repaired, you must know that all those are deductible. This is once again another thing that would help you with your tax papers. It is not just the value of the property itself, but pretty much everything related to it that made you spend for it would not be counted on your property tax fees.
  4. Now, aside from the benefit you could get from “depreciation,” you would also reap the benefits from its “appreciation.” As the years go by, the chances of a property to grow when it comes to its net worth is high, which would eventually affect its value. This is when a real estate would experience appreciation. For example, some of the houses built in Bel-Air, Beverly Hills were priced for less back in the 30s. But of course since time is involved in real estate and the other things that would affect its value like its ambiance, neighborhood, etc.; houses there now are worth around millions of dollars.

These are just among the things to consider as an advantage in investing in real estate.



Buy, Sell or Hold? The Pain Of Giving Advice

My brother came to me for some advice last night. It was almost midnight and he was still tense and troubled.  You see, he’s getting married soon and he’s been preparing for it for the longest time. He’s your typical good boy.  Sound mind, good sense – a responsible guy.

I thought he was worried because he wasn’t sure about pushing through with the wedding. But I found out that he was being troubled by the stock portfolio he had set up with an offshore LOM bank account. There wasn’t anything wrong with the company itself, in fact LOM are great, it was stock portfoliomore the way he had handled his own stocks.  He had put almost all his savings in stocks, mainly blue chips.  He tried to diversify his holdings across different industries. Power generation, retail, airline and tech industries.  But, as a whole, his portfolio was down 20 percent.

Now he needed money to pay for his wedding costs and other things related to settling down.  What was he going to do?

He could still hold his position for some time and wait for the prices to improve.  Anway, his wedding was still scheduled mid-2016.  Maybe near that future time, he could already be seeing green and even be making some money.

But then again, what if the prices went down even more? His now 20 percent loss could turn to a 50 percent loss by that time.  So maybe he should just sell now while the loss was still tolerable for him.  He’d cry a bit and lick his wounds but he can move on.

Or a third possibility would be that he and the market are just overreacting negatively right now.  Maybe the stocks in his portfolio are actually undervalued and he should be buying some more at the current bargain prices and thereby even reduce his average cost a bit more.

Hold, sell or buy?  Those three options kept him awake at night.  Hold, sell or buy.

Now I’m not the type to give advice to family. I’ve learned the hard way that family members are the worst clients.  They tend to blame you more than third parties.  Institutions are the easiest to deal stock portfoliowith because the accountant or fund manager representing the institution doesn’t have his personal money on the line.  He accepts losses as part of the game.  He understands how the market works and takes responsibility for his decision to buy, sell or hold.

Retail investors are more emotional with their trades. I guess it’s because we are talking about their personal hard earned money.  It’s more difficult to break it to them that they have a loss to cut.

But family members are the worst. I won’t generalize.  But I’m just referring to my personal experiences.  Family members would blame me if the stock price went up.  “You should have told me it was going up some more. I could have added to my position.”  Even worse, they blame me for a stock they didn’t buy if they hear about it in the news that the price went up.  They also point the finger when the stock price goes down.  “What am I gonna do now?  Your recommendation failed and I’m worse off than before.”

So what do I tell my brother?  Buy, sell or hold?

In reality it depends on my brother’s investment horizon. Is he in it for the short-term or the long-term?  It also depends on how much he’s willing to risk.  Of course it also depends on our outlook of the future.  Will Yellen hike interest rates this December?  Are we entering a bear market? Or is this just wave 4 of a supercycle?  The problem is all the answers are relative and unsure. Even my brother can change his mind about his intentions and investment horizon.  And not even the US Fed knows what will happen precisely after it decides to hike, cut or maintain interest rates.  Even the talking heads monitoring and giving their expert opinions about the stock market are useless at predicting a market crash.  Otherwise, nobody would have been wiped-out in the dotcom bubble of 2001 or the housing bubble of 2008.  In short, we are all fumbling, and winging it as we go.  That’s why every time someone advices an investor in the stock market, he wraps up with the caveat “invest only what you can afford to lose.”  Yeah, that sucks.  But the stock market investor just goes ahead and signs the client account information form and proceeds to buy the stock recommendation.

And so, to my brother, I said, “You should sell now if you feel that you won’t be able to handle it should your loss increase further.”  Then I lectured him about how he should have set a ten percent stop loss.  I told him that the US Fed might hike rates in December and that will most likely send the market south even more.  He looked at me with much pain and said, “maybe I’ll just wait a bit more.”  I said “It’s really up to you.  Anyway those are good companies you have and it is December anyway.  There’s still a chance for it to go up.”

With a sigh of relief, I was glad he didn’t take my advice.  Sort of.  I don’t even know what kind of advice that was.  At least he won’t blame me. I hope.

How To Invest With Minimal Risk

When it comes to investing, there is no such thing as “no risk involved.” If anyone offers you to invest on something with that kind of deal, I can already tell you not to go with it because that sounds too good to be true. And you know what they say when it’s too good to be true? There is a huge possibility that you are going be scammed.


Now that you know about this, it is important to know that risk will always be a part of it. The trick is how you could minimize them and still enjoy the growth of your money in the end. Experts will tell wall streetyou that it is all about lowering or spreading the risk, so you won’t end up losing money completely.


I don’t want to scare you with this venture, but the wrong strategy and pretty much a wrong decision could make you go bankrupt. This is why it is crucial to do a lot of researches first and ask tons of tips from financial experts before diving into the world of investing.


Believe it or not, risk could be calculated. Everybody in Wall Street is pretty much trained to do it on a daily basis. As an investor, it is your job to figure this out because this is your money you are about to place on the line here. Hire someone to manage the lowering of the risk for you if you must.

One of the tricks to finding out, which investment would give you minimal risk before shedding your money in is viewing the history of the stock or the company. Like does it have any records of completely going broke in the past and how does it cope with fluctuation, just among the things to research on. If of course it is something that has failed in the past, then you will have to think about your retirement money going to waste.


Basically, what I’m trying to say here is that the stock market could be a pretty risky place to start an investment. Go for something that you could get results fast like a small business. Think of something that people would buy easily and can’t live without. A good example would be food or a small clothing line. These are necessities, so people would buy them (given the fact that your products are of great quality) whether they like it or not.


Now, if you really are adamant about putting your money in the market, you just have to know how long could a stock possibly recover. Knowing this would lessen the risk of your investing. Mixing stocks and bonds is also way to minimize your risk in this industry. The more money you invest in more than one boat, there is a huge chance that you won’t get broke in the future from all the assets you have put out. Follow these tips I have for you today, and you’re on your way to a good investment deal.