An overview of investing in multi-family homes

Street with multi-family homes

When you start investing in real estate (and if you are not convinced that you should – read this introduction and a follow-up articles), the typical path for you as an individual investor usually starts with smaller-scale options: individual houses or condo apartments, pre-construction investment, etc.  But, sooner or later, investing in multi-family homes will start looking more and more interesting.

Initially, this task seems very daunting – especially if you are an individual investor who does not have access to unlimited investor funds (like REITs do) – the prospect of you individually owning an apartment building is absolutely unimaginable.  But multi-family homes don’t need to contain 200 apartments.  Aside from “legal” definitions, assigned by federal corporations dealing with mortgage insurance or lending (CMHC in Canada, Federal Housing Administration, Fannie Mae or Freddie Mac in the US, etc.), for your purposes, a multi-unit building is pretty much any building that contains more than one unit.  As simple as that.  Technically speaking, it could be a duplex, a triplex, or it could be a building with 10-15 small apartments.

In theory, multi-unit buildings may be of commercial nature (such as office buildings), but for the purposes of this article we are going to discuss residential housing – in other words, apartment buildings that people live in.  Due to their nature, I do consider those less risky than office buildings – but that is just my personal opinion and I do understand that sometimes you may want to take bigger risks with a prospect of bigger rewards with commercial buildings.

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Lose Weight for good and Ditch Diet Plans that Don’t Work

lose weight without trying too hard

Extreme Weight Loss Programs that Don’t Actually Help you Lose Weight

Trying to lose weight?  Ever wondered (or counted) how many extreme weight loss and diet plans are out there?

In a desperate attempt to lose weight fast and look better, a lot of people implement and stick to some brutal restrictions when it comes to what, how much or when they eat.  The choices are endless – type the word “diet” in your favorite search engine and get amazed with how many diet plans you can utilize.

The varieties range from simply esoteric to borderline crazy.

There are diet plans that limit any food intake to one specific item for some period of time (grapefruit diet, watermelon diet, lemon water diet),

There are diet plans that restrict or eliminate a specific macronutrient or an entire class of food (fat-free or low-fat diet; low-cholesterol diet, vegetarian diet) and those that prescribe a specific type of food to substitute for everything else (raw food diet, soup diet)

There are diet plans that generally restrict the overall amount of food you eat (calorie-counting, portion control, 1000 calorie diet).

And then, of course, there are just plain weird diet plans that focus on one specific fruit, vegetable, drink or mixture that allegedly provides some amazing benefits and is supposed to trigger massive amounts of fat loss, usually represented as some sort of a “cleansing diet” (we have briefly touched on the lemonade diet when we discussed juicing.

Or, sometimes, people who want to lose weight fast simply rely on some weight loss supplements (“magic pills”) – fat burners, metabolism boosters, weight-loss shakes, cleansing drinks, fat blockers and a plethora of other esoterically and pseudo-scientifically sounding remedies.  Sometimes these are marketed as some plant extracts that are supposed to work wonders and eliminate years of bad habits in only a few months or even weeks of taking them (I’m sure you’ve been bombarded a lot by ads for Garcinia Cambodia or green coffee been extract, right?).

A lot of the wrong decisions made by those who want to lose weight fast are made by people who watch too much TV.  I recently discovered a “reality” show actually called extreme weight loss that, while having some grains of reason, generally promotes stuff that doesn’t really work – tea cleanse, drinking over a gallon of water (that allegedly increases metabolism), etc. – you know, the typical stuff…

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Kettlebell Swing

Kettlebell swing

Ever heard of a kettlebell swing?  You’ve probably seen it done by someone in your gym and thought that this exercise seemed easy and funny and almost ineffective, compared to monstrous heavy-weight lifts.

But things aren’t always what they seem – and sometimes, the smallest changes you can make to your routine may lead to the biggest results.

Did you know that kettlebell – a relatively portable and compact piece of exercise equipment – can profoundly affect your strength and performance in many major exercises that require bulkier and heavier gear, while also giving you a heck of a cardio workout and improving your endurance?

Kettlebell workouts spark more and more interest over recent years, with their popularity fueled by many major publications picking up the trend.  Indeed, those who rely on bodyweight exercises because they have no access to a full-blown gym, may find kettlebell workouts to be a great compromise, as kettlebells do not take a lot of space and are relatively affordable, but may improve your athletic results tremendously.

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