Should You Even Bother Fixing Up Your Crib? 🤔🏠 + Passive Income 🤑

The Deets

Okay, so boom, you got an old house and you're tryna figure out if you should even bother fixing it up before you yeet it onto the market. Like, is it worth the effort or are you just wasting your time and coins? 🤔

Selling the Crib "As Is" vs. Renovation: The Vibe Check

So, here's the tea: First things first, gotta make that crib look presentable. We're talkin' clean, declutter, and ditch the personal stuff. Front entrances and decks gotta be on point too, just sayin'. Staging it is a vibe. But the real question is, do you drop major dough on reno, or just sell it "as is" and price it accordingly? One agent said "as is" is the way to go, but update the paint, hardware, and light fixtures to keep it looking fresh. 💅

If you're feelin' boujee and wanna renovate, kitchens and bathrooms are where it's at. But listen up, don't be a DIY disaster. Get a pro, or you'll end up with a bigger problem than you started with. And don't take on more than you can handle! Major renos are cool for "great flips," but if you're just a regular homeowner, chill out.

Passive Income? We See You 👀💸

Yo, check this out. You tryna get that bread without doing the most? Passive income is the move, fam. And ETFs (Exchange Traded Funds) are where it's at. It's like, you buy 'em and forget 'em, and they just keep spitting out cash. Here are the receipts:

• Schwab U.S. Dividend Equity ETF (SCHD):
  • Yield: 4% (that's the drip)
  • Expense Ratio: 0.06% (cheap!)
  • Holdings: Coca-Cola, Verizon, Home Depot (aka brands we stan)
  • Sectors: Energy, consumer staples, healthcare (the essentials)
  • Holdings count: 103
  • Returns: Like 4% over the past year (stable vibes)
• Vanguard High Dividend Yield Index Fund ETF (VYM):
  • Stocks: Nearly 600 (diversified af)
  • Expense Ratio: 0.06% (still cheap)
  • Yield: Around 3% (more drip)
  • Largest Holding: Broadcom (tech is bussin')
  • Sectors: Financials, healthcare, industrials (making moves)
  • Returns: Under 11% in the last 12 months (not bad, tbh)
• iShares Core High Dividend ETF (HDV):
  • Returns: Just over 8% in the past year (not bad)
  • Yield: 3.5% (keep that drip comin')
  • Expense Ratio: 0.08% (still affordable)
  • Holdings: 75 (carefully selected)
  • Top Holdings: ExxonMobil, Johnson & Johnson, Progressive (big names)
  • Sectors: Consumer staples, energy, healthcare (safe bets)

These ETFs are all about that diversification, low fees, and decent yields. Just remember, you might not get the biggest returns, but you'll be chillin' with that passive income. 😎

Level Up Your Garden: Ground Cover Edition 🌱

Okay, for all you plant parents out there, listen up. Ground cover plants are the ultimate flex for your garden. They attract the bees, stop soil from eroding, and keep those pesky weeds away. It's a win-win-win. Check out these:

• Hardy Geraniums
• Chamomile
• Periwinkle
• Sedge
• Creeping Jenny

Most ground cover plants are perennials, which means they come back every year without you having to do the most. Just plant 'em and let 'em do their thing. And make sure you check the sun exposure and hardiness zones to make sure they vibe with your location. ☀️