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      "body": "Congratulations @amonas! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/https://steemitboard.com/@amonas/birthday1.png</td><td>Happy Birthday! - You are on the Steem blockchain for 1 year!</td></tr></table>\n\n<sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@amonas) and compare to others on the [Steem Ranking](https://steemitboard.com/ranking/index.php?name=amonas)_</sub>\n\n\n###### [Vote for @Steemitboard as a witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1) to get one more award and increased upvotes!",
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      "author": "amonas",
      "body": "@@ -2683,12 +2683,406 @@\n t term rent.\n+%0A%0AAnd for the end let's calculate, what return I would have after 1 year if apartment would have been bought without loan from the bank. Apartment price was 41 000 %E2%82%AC + 8340 %E2%82%AC (expenses are lower, because loan fees were taken off) = 49340 %E2%82%AC As income remains the same, profit would be: 4950 / 49340 = **10 %25** That is also quite nice, as average is around 7 %25 (at least most of the experts say).\n",
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      "author": "amonas",
      "body": "One year ago, at the end of September I bought this [apartment.](https://steemit.com/realestate/@amonas/investing-to-real-estate-my-story) Or, invested 14 000 €, as this was my intention. One year has passed, so it's time to look, how good or how bad my investment was. \n\nFor the [renovation](https://steemit.com/money/@amonas/7-tips-that-will-make-your-renovation-cheaper-and-faster) I have added a little bit more than 2 000 € of my own money, so we can say, that invested amount was 16 000  €. Renovation took around 4 months, and these months without any revenue are also included in my calculations. \n\nI started with a short term rent, and in the period of 1 year (including renovation cost) had 9,7k of expenses. That looks like quite a big number, than I look at it now, almost the same as amount I have invested. On the other hand, during the year period I have collected 4,95k So if we do some math, we'll see that my balance is -4,75k. But I took 4k loan for the renovation, so minus is about 750 € And that is quite good, as the value of the property was increased (giving me higher revenue and higher price, if I would like to sell it) and it almost payed off in 1 year. \n![](https://cdn.steemitimages.com/DQmdkeRHfHZKTDumPgTYnWqPMNbuqcai3bQd4AbiSTfopNb/image.png)\n*Yellow line shows expenses. It's normal, that at the beginning during the renovation I had tons of them. Blue line shows amount I have collected. And the red one - balance. So at the begging of the year, once I started to rent I had a minus due to high taxes and low number of people renting my place*\n\nBut let's get back to the calculation of the revenue. In total in one year I had 4 950 € income / 23 700 € expenses = **20,83 %** And that is quite nice, as property value was not included. I left it as a nice bonus for the retirement, if I would still have it. \nEverything got mixed during the year, but from the initial investment I received around 3200 € Everything was invested into a different things, but I will talk about that in future posts. \n\nIn the [last post](https://steemit.com/rent/@amonas/long-term-or-short-term-rent-which-one-should-i-choose) I did some calculations, and it turned out, that in my case long term is more profitable than the short one. And that is true, as I was able to rent my apartment for 480 €, leaving me around 320 € per month with 1 year contract. \nIf I do a quick prediction calculation for the next year, I should earn around 320*12 = 3840 € And that would be 24% revenue from my initial invested amount. There might be same expenses during the year, so it will probably be around 20%, but it's still good, as I'll have a lot more free time than with a short term rent.",
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      "author": "amonas",
      "body": "Everybody says, that short term rent gives you a better revenue than a long term rent. Well, I guess it's true, but it takes hell a lot of time to manage everything. So much, that while having just 2 rooms for rent I was able to get my first free weekend this summer. OK, maybe there was one more, now that I think of it. \nSo I will do some calculations to find the answer. Unfortunately I don't have data for the whole year, as I started in January. But If we take a look at the first 7 months of the year, we will see that even though summer months generated quite nice income (red column), during the winter months I had to pay from my pocket, as heating is quite expensive.  \n![](https://cdn.steemitimages.com/DQmUAkrTc9bUwxd5dSbdG3dVP3aqbFM9vWpwvm5s6nCgy2J/image.png)\nSo if I divide the money I earned (this is what's left after expenses were taken off) it would be *1,34K/7months =* 191,1 € per month. \nTo be more precise I should mention, that one of the rooms was opened for rent two months later, in March. So taking in consideration, that occupation rate for the other room was around 60% (20 days) and the pink room usually has less visitors as the night price is higher (16€) we can do a prediction, that it would have been occupied 15 days a month.  That would add additional *15days  x 2months x 16€ =* 480 € to my total income (expenses remain the same, as taxes and other things are the same for the whole apartment). So it would be *1817€/7 =* 260 € per month. \n\nNow let's try to calculate the revenue for the long term rent. As January is not be best month to start the rent, let's work on pessimistic option. So it would be 200€ for the room per month. For 2 rooms it would be 400 € per month. Let's minus 185 € of the expenses I have to cover (loan and taxes for the country) and it will be *400€ - 185€ =* 215 € per month. Or *215€ x 7months =* 1505 € for the first 7 months of the year. \nThat's a *1817€ - 1505€ =* 302 € difference. Not so big. And at the moment I do all the cleaning by myself. If I would want to hire somebody to do that, it would cost around 15€ per visit and that would add *70visits x 15€ =* 1050 € to my expenses. And that would make short term rent not profitable at all, as I would collect only *1817€-1050€ =* 767 € per this 7 months time period or mere 63 € per month. But that's another story. \n\nNow let's do some more calculations. The best month to start the rent is September, as many students are coming to study and looking for a place to stay. So we can charge 450 € - 500 € per month for both rooms. In that case monthly revenue would be 265 € - 315 € And from here on it's the same or even bigger than my short term rent I'm doing right now. That is just crazy... \n\nMaybe my AirBnB night price is too low? If I take a look at the occupation rate, it's 65% for the [gray](https://steemit.com/renovation/@amonas/from-ugly-duck-to-a-swan) studio and 59% for the [pink](https://steemit.com/renovation/@amonas/from-ugly-duck-to-a-swan) one:\n![](https://cdn.steemitimages.com/DQmfDjWTeGNCDMA6spgk7SupDVeKeR7TUB7F8GeeczRk5z8/image.png)\nAnd I think it would be even lower, if I would make a higher price. Or I can decrease the winter time price and increase the summer price, but as winter is quite long, result most likely would be very similar. \n\nSo in my case starting September I will switch to long term rent. Less trouble and more money. \n\nP.S. At the end of September I will do my 1 year investment overview, I guess I will mention how it went with long term rent for me.",
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      "body": "@@ -6448,16 +6448,17 @@\n  in the \n+%5B\n next art\n@@ -6461,9 +6461,102 @@\n  article\n+%5D(https://steemit.com/money/@amonas/7-tips-that-will-make-your-renovation-cheaper-and-faster)\n .\n",
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      "body": "Going to rent apartment, but don't want to spend a lot of money  and your precious time for the renovation? Here are some tips, that will help you to save some. \n\nBut first, let's take a look, how much I spend on [my renovation](https://steemit.com/renovation/@amonas/from-ugly-duck-to-a-swan). At the beginning I was thinking, that 3000 € will be enough for the \"investors renovation\",  but it turned out, that I spent more than double of  what I was thinking it will be enough - 6350 € There were 2 rooms in the apartment. So now I know, that for 1 room at least 3000 € is needed. \n\nIf you are not familiar with the term \"Investors renovation\" - I will tell you more. It's the renovation where you use the cheapest possible materials (or buying those, that has discount on them), and leaving the stuff, that can still be used or does not look terribly bad. In my case it was doors, floors, old kitchen furniture, sofa-bed, cabinet, lamps and some other stuff. \n\n![](https://cdn.steemitimages.com/DQmesQvWU67jQTDoKpngxtiM6LgWRkj6TdKjK7Jg6ewBoHp/image.png)\n\nLooking at my expenses chart above you can see that biggest part of money (1,75K) was spent for craftsmen, that basically did all the renovation in the apartment (and another 500€ for the materials). He prepared and painted all walls and ceilings, put the tiles in the kitchen and on the floor near the entrance, in the bathroom and toilet (where it was needed) and did all the other works. I would say it was really cheap considering these days prices in Lithuania. Of course, quality was not the best, but it's more than enough for a place that will be rented. The next big amount (695 €) goes to the plumber. This is more than I expected, because machine, that lifts used water to the sewage system had to be bought. Kitchen cabinet in the first (grey) room was custom made for it, so price (600 €) was slightly bigger than just a simple one bought from IKEA or some other furniture shop. In this case I chose more expensive option because the room is small and every centimeter matters. As all wires and power outlets were replaced with the new ones, works and materials costed 504 €. I would say this is optional. You can try to leave old wires and connect new ones to them, but if they are really old and crappy - it's better to get new ones everywhere. Now if you [remember cut air ventilation pipe](https://steemit.com/renovation/@amonas/from-ugly-duck-to-a-swan), to fix it and add new pipes for 2 kitchens costed 350 €. That's quite a lot, considering everything was done in 1 evening. But this was a mandatory work, as it's really important to have good smell removal in the rooms. And it was really hard to find somebody, that would do this job. \n\n![](https://cdn.steemitimages.com/DQmPghBmEXSXUzXJxi9pyD2EoCJ9t7LTsPG3BzKC8xpaTY3/image.png)\n\nAll other expenses were lower, but than you have 10 of them - amount can get big. I will not extend to detailing them, but if you have any questions, you can ask me in the comments section below. Also, I should mention, that I did quite a lot of supporting work by myself (delivering required materials, taking out the trash, taking down old wallpapers, cleaning old stuff that was good to use and other similar things) that made overall price lower than it could have been. \n\nSo what did I learned during the renovation? Here are my tips, that can help you to make it faster and cheaper. \n\n1. If you want to save some money - organize the works by yourself. To do that successfully, get the contacts of the people, that can do a work before you start and call them. Usually they are quite busy people and might not be able to start right away. Let them know when you are starting your renovation and decide on the date they will start. \n2. Monitor the prices in the stores. Some stores has lower prices on some products than other. Some things can be bought before you start the renovation. Like tiles for the bathroom or for the kitchen. As there are so many of different tiles, it took me quite a time to decide what I want and what will look nice in my renovated place. I took pictures of all the things I liked (with the prices) so I could decide later. \n3. Decide on the prices before craftsmen starts to work. Write them down, so that later it would not suddenly increase. \n4. Do not save on plumber works. It's better to pay more now, than later have a flood (or flood the neighbors) and pay again for repairing stuff. \n5. Buy the cheapest or discounted materials. They are still good (it's not the food, that can poison you). You can ask for advice the person, that are doing the works but still chose the cheaper option.\n6. Use as much old stuff as possible. It's not necessary to replace everything that place would look nice. You can see [here](https://steemit.com/renovation/@amonas/from-ugly-duck-to-a-swan) what was left during my renovation. \n7. Have some extra money. That might help you not to stop the works then finish line is almost there. The sooner you finish - the sooner you can rent your place and start getting your money back.",
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      "body": "You can find the next part here: https://steemit.com/renovation/@amonas/from-ugly-duck-to-a-swan",
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      "body": "#\n# upvote for me please? https://steemit.com/news/@bible.com/6h36cq\n#",
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      "body": "Then I [bought this flat](https://steemit.com/realestate/@amonas/investing-to-real-estate-my-story) I already knew, that I will renovate it.  Actually I was looking to buy something not in the best condition, as I knew how I wanted it to look afterwards. After some initial calculations I was thinking, that around 3000 € will be enough for the renovation, as not everything will be replaced (like floor, doors, bathroom, windows, some furniture). But as I spend almost all my money for purchasing the flat itself I had no money left. But that's not a big problem these days - bank was very pleased to give me 4000 € loan (I took 1K extra, just not to go out before I finish). Well, that was my thoughts before I started. But as you  can guess - not everything goes as planned. \n\n![](https://cdn.steemitimages.com/DQmQy8giozSNdav953UqXZtZDRukj6g16A7iwBSUQzjov8B/image.png)\n\nSo my idea was to make 2 studios with it's own kitchens in these rooms. The second room already had a kitchen, or at least kitchen furniture, as the water was not there. Previous owner would go to the bathroom to get some water and clean the  dishes. That, of course, was not acceptable for me. So the first thing I needed - was to get water and drainage in both rooms. And here started some extra fees - it was not possible to make drainage from the sink to reach sewerage system by itself from the second room. Machine for 300 € had to be purchased. For the electricity story was very similar - some power outlets were not working, current wires were very old and it's better not to use them anymore. And it would be quite hard to make new outlets and connect new cables with the old ones. So decision was made to wire new cables everywhere. \n\n![2017-10-14 11.23.26.jpg](https://cdn.steemitimages.com/DQmVZdrnnNNEVfW22gfuHm96Euo7PSE9mP3e2QHmz8d9eTh/2017-10-14%2011.23.26.jpg)\n \nThe next big thing I was about to make - make air ventilation in both kitchens so kitchen cooker could be connected later. It looked like an easy task, because bathroom already had air ventilation, so new pipes just had to be connected to the current ones. New surprise was waiting for me here. Air ventilation pipes that were coming from bathroom were cut from the system. That was hidden under wallpaper and previous owner somehow forgot to mention this fact to me before. \n\n![2017-09-29 20.31.072.jpg](https://cdn.steemitimages.com/DQmTbV1XGARwZfqrr8WhBeu8ZQ3ykJCdHPDCybpTvDjarCJ/2017-09-29%2020.31.072.jpg)\n*On the left: Pipe from the bathroom. On the right: the same pipe going to air ventilation system. It suppose to be connected...*\n\nSo this had to be fixed as well. With some extra money, of course. \n\n![2017-10-17 22.02.56.jpg](https://cdn.steemitimages.com/DQmezYYNz46e5MR85v21YPBxtogCw7qKaNBJJsgWg9foYJh/2017-10-17%2022.02.56.jpg)\n*New air ventilation pipe going through the room. On the right you can see a closet, which had sliding door from the floor to the ceiling*\n\nAs you remember from the photos in the [previous](https://steemit.com/realestate/@amonas/investing-to-real-estate-my-story) post, almost all walls were covered in wallpapers. That might looks quite nice, than you look at it first, but you never know what is hiding behind these wallpapers. And it might be not so easy to remove them. So in the first room plaster bounced off the wall. We saw that only than we started to remove those old wallpapers. Of course, that plaster had to be taken off the wall. Or to be more precise - it fell by itself just by touching it. \n\n![2017-10-17 22.02.31.jpg](https://cdn.steemitimages.com/DQmUETJBsduRioBQx8gSnvis5SC7jaFpCML7bTxFkMe6iAU/2017-10-17%2022.02.31.jpg)\n*I did not had the goal to see the bricks...*\n\nAll works took almost 3 months. Optimistic goal was 1 month, but as this was my first project, it took some more time. And then everything was almost finished, just before Christmas, one pipe in the bathroom got a crack and started to leak the water. But it was leaking behind the tiles and it was not possible to see that from outside. That was noticed only than the neighbors from below started to complain. So bath and shower had to be taken off, tiles to be removed and pipe fixed. And, of course, everything put back. Some more money and time. \n\nBut at last, on 1st of January I was able to welcome my first guests. Unfortunately, only in the first (grey) room, as second was still waiting for the kitchen furniture to be made and installed. For another 2 months... \n\nAfter everything was completed apartment looked like this: \n\n![](https://cdn.steemitimages.com/DQmZAJE7FWuDUaMVN7bZ9CSZjbBbAgw1eiHStZb8T3kDxkH/image.png)\n*Entrance and bathroom on the left. I put some LED lights while hiding air ventilation pipe, that turned out quite nice*\n\n![](https://cdn.steemitimages.com/DQmTEHnPQUq88F5pYx2ChQFj7VWrD9osL85MtAboPFDxgLU/image.png)\n*First room from the entrance point. Old sofa - bed and floor was left.*\n\n![](https://cdn.steemitimages.com/DQmP2PH9T4L8dH7HxRbjqxjmFgNdwGFUonjSG9J3dDLiBYg/image.png)\n*Remember that brick wall? It was here, on the left side. Kitchen furniture are new in here*\n\n![](https://cdn.steemitimages.com/DQmNpZpcyo7RLLbQKyiyfQryz2MA9LMgL1vSQo28SHgnYxt/image.png)\n*The cabinet  and the lamp on the right is also old*\n\n![](https://cdn.steemitimages.com/DQmNg8YN1rapxYUeZ4EQopv8BqqtfRbfc9FbeMJmiCv5eKg/image.png)\n*Bathroom. It's almost impossible to notice different tiles on one area*\n\n![](https://cdn.steemitimages.com/DQmTdxqbQzgYthtqPmCHujVixWraqkfDugnVp6tGVC23Nzh/image.png)\n*Second room. Bed, lamp and curtains are new in here. Everything else - not* \n\n![](https://cdn.steemitimages.com/DQmUfpYMSYK3oK1VwohYTDsYEZKzGJuaVbiRtKMYTZJ7awH/image.png)\n*These sliding doors were here before. I liked them, as it's possible to separate kitchen area from the sleeping area*\n\n![](https://cdn.steemitimages.com/DQmVJwFSzkCX3UbstqvjhCw4w2yCDJoFLnskuRYZLonZpRo/image.png)\n*Almost all furniture are old in here, only the one that have sink and fridge (on the left) were made during the renovation. And took 1 month of additional time*\n\n![](https://cdn.steemitimages.com/DQmSn2CaZPkAdJyfre8YXyBkb1chDcYXw9GNajnDbhSiW29/image.png)\n*Bar table in the kitchen. You guessed it right - it was brought from another room*\n\n![](https://cdn.steemitimages.com/DQmNpzSA99J4Xj9C31g3m6tyT8JcsaesHRfuV39hWULVFTs/image.png)\n*Table on the right was also brought from another room*\n\nNow you can guess, what was the price for this renovation. I will cover that in the next article.",
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      "body": "Congratulations @amonas! You have completed some achievement on Steemit and have been rewarded with new badge(s) :\n\n[![](https://steemitimages.com/70x70/http://steemitboard.com/notifications/firstvote.png)](http://steemitboard.com/@amonas) You made your First Vote\n\n<sub>_Click on the badge to view your Board of Honor._</sub>\n<sub>_If you no longer want to receive notifications, reply to this comment with the word_ `STOP`</sub>\n\n\n\n**Do not miss the [last post](https://steemit.com/steemitboard/@steemitboard/steemitboard-world-cup-contest-results-of-day-9) from @steemitboard!**\n\n---\n**Participate in the [SteemitBoard World Cup Contest](https://steemit.com/steemitboard/@steemitboard/steemitboard-world-cup-contest-collect-badges-and-win-free-sbd)!**\nCollect World Cup badges and win free SBD\nSupport the Gold Sponsors of the contest: [@good-karma](https://v2.steemconnect.com/sign/account-witness-vote?witness=good-karma&approve=1) and [@lukestokes](https://v2.steemconnect.com/sign/account-witness-vote?witness=lukestokes.mhth&approve=1)\n\n---\n\n> Do you like [SteemitBoard's project](https://steemit.com/@steemitboard)? Then **[Vote for its witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1)** and **get one more award**!",
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      "body": "Yes, that was the option I chose. And the next article is about that: https://steemit.com/realestate/@amonas/investing-to-real-estate-my-story",
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      "body": "As I mentioned in the post before, I received some unexpected money (14 000 €) and I decided, that the best option will be to invest it to real estate. I knew about it and had some (not very good) experience from a few years ago. I'm saying invest, because I already owned my own apartment, and this will be purely for renting. So I started to look for a 2 or 1 room apartment somewhere closer to the Vilnius center, in the areas I know the best. \nBut there is a good saying, that if you don't know where to invest - invest to yourself (knowledge). As this will be a quite expensive purchase, I decided to collect more information about investing to real estate before buying something. And I came across some online courses.  Chose the one, that looked the best for me and purchased it (around 100 € for 7 days course). And it was really worth the money, as I got a lot of knowledge from professionals, who are working with investing for a long time. \nSo I started to look for an asset, that could generate me more revenue than just a simple 1 or 2 rooms apartment. And in Lithuania at the moment that's the dormitory type flat. As they are not very popular and their prices are lower than a normal apartment in the old (build 20 - 30 years ago) buildings. But, of course, they have their own issues. \nAfter 2 months of intensive search I decided to stick with a flat that was in the building next to the one I was living. As I was thinking about short term rent - it will be much easier to manage it. And the location is quite good - just 2 km away from the old town. \nSo for 41 000 € (unfortunately the price was average, not below the average, as my first intention was) I bought 2 rooms dormitory type flat. It looked like this: \n\n![](https://cdn.steemitimages.com/DQmQDi8k3QXtbKgbDwEyRFbyWp2cMvVgXcS2kJKyUFwryoM/image.png)\nEntrance to the flat\n\n![](https://cdn.steemitimages.com/DQmUw92uFFnk4yfAvY33PEXazggLwuBBHFRie97LoExp6o7/image.png)\nFirst room and the entrance in the back\n\n![](https://cdn.steemitimages.com/DQmZRb77sxQSAkTEf3j2WSkRfhRBFMB88tUciLEQ2o3Nb2C/image.png)\nFirst room and view through the window\n\n![](https://cdn.steemitimages.com/DQmYJosHCScZrexmbBYCHTE78HQRfFtYhh6nBkKnzgUoSwo/image.png)\nEntrance to the second room. On the left there is a small kitchen, on the right - room\n\n![](https://cdn.steemitimages.com/DQmPirhTMidzaEsE5uZxAXc53ywuuvSbpYmbqJn61skdZck/image.png)\nKitchen in the second room\n\n![IMG_5389.JPG](https://cdn.steemitimages.com/DQmNTXixG8PJ3aBRNeTXmFcRJ2fBVKae6h3ZF5zQcGdN8UX/IMG_5389.JPG)\nKitchen in the second room\n\n![](https://cdn.steemitimages.com/DQmdaTme99EXHEqBeZS4PdYJZo2o36qyi73QUjeX6hRovcu/image.png) \nThe second room. \n\n![IMG_5382.JPG](https://cdn.steemitimages.com/DQmRhhnqREY3gdgToxpP9HHfiwmWbDzeaoGiffbjTZE8c48/IMG_5382.JPG)\nToilet\n\n![IMG_5383.JPG](https://cdn.steemitimages.com/DQmcvPkvcYCtmtX6x34oUfLF3rkwYspJk62JXEWQrZjqeax/IMG_5383.JPG)\nBathroom\n\nNow you probably remember, that I had only 14 000 € in my pocket. And the flat price was 41 000 € It's probably quite obvious - I took the loan from the bank. But as it was my second loan, I had to cover around 30% of flats value by my own money. Actually, I had choice, different banks send me a different offers and some asked for a lower initial contribution but gave  higher interest rate. So I chose offer with the the lowest interest rate and spend all my money to buy this flat. \n\nBut I had a plan. \n\nP.S. Check (or wait) next article for that.",
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      "body": "Well it's pretty obvious that the best option is to buy a home. Nothing here is as good as that option, it's not even arguable. However, it depends on the person. Some people just can't see beyond taking some indulgence right now, over planning for the future. I hope you buy the house!",
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      "body": "Congratulations @amonas! You have completed some achievement on Steemit and have been rewarded with new badge(s) :\n\n[![](https://steemitimages.com/70x80/http://steemitboard.com/notifications/voted.png)](http://steemitboard.com/@amonas) Award for the number of upvotes received\n\n<sub>_Click on the badge to view your Board of Honor._</sub>\n<sub>_If you no longer want to receive notifications, reply to this comment with the word_ `STOP`</sub>\n\n\n\n**Do not miss the [last announcement](https://steemit.com/steemitboard/@steemitboard/steemitboard-witness-update-2018-06-12) from @steemitboard!**\n\n> Do you like [SteemitBoard's project](https://steemit.com/@steemitboard)? Then **[Vote for its witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1)** and **get one more award**!",
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      "body": "I would spend that on something that will make the cash flow... No cars, no travel, because those are only for spending money. Investments and starting your own business would be the best options for me.. I'm doing that with my boyfriend last couple of years. I'm interested to see what did you came up with :)",
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      "body": "Interesting interests :) I'll check on those... Greetings from Croatia and see you around...",
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      "body": "Imagine you just got 15000 € (17 600 $) from as inheritance from your parents. It's slightly different than to win a lottery, as those money was earned with a hard work. That reason might not be a case for some people, but for me it was. And just to let you know the value of this amount, you can imagine that monthly salary is around 1000 € for a person. So it would take 1 year and 3 months to collect such amount if you put all your salary for a savings (that is basically almost impossible). \n\n![euros.jpg](https://cdn.steemitimages.com/DQmPrNpPq9RG98meyyHQfVB1UKiAQUULXvw8fouwbZERw28/euros.jpg)\n\nSo the options that came to my mind are these: \n- Buy a better car\n- Make a renovation for the home (or buy your own home, if you don't have one)\n- Travel the world for a year\n- Invest\n- Leave the job and start your own business\n\nI chose one of those options. And I will tell you more in the next article. But for now I would like to know what would you do with the money you did not expected to get (those options are only my thoughts, it can be anything).",
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      "author": "psyceratopsb",
      "body": "Hi, nice to meet you..\nhope you will be posting some good stuff.\nI gave you upvote and follow, be sure to do the same if you like my work..\nHear from you soon\nEnjoy",
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      "author": "zous",
      "body": "great introduction, read one of my blog post to find out how you can grow your audience on this platform - \nhttps://steemit.com/steem/@zous/the-3-most-amazing-tips-on-how-to-build-your-steemit-followers-and-audience !! \nI wish you very well and contact or reply to this message if you need any kind of help.",
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      "body": "✅  @amonas, I gave you an upvote on your first post! **Please give me a follow** and I will give you a follow in return!<br><br>Please also take a moment to read [this post](https://steemit.com/spam/@pleasestop/introducing-pleasestop-here-to-reduce-comment-spam) regarding bad behavior on Steemit.",
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      "body": "Warm welcome to Steemit @amonas! :) We're happy to see you here.\nWe have an on going giveaway that can help you grow here on Steemit. Check it at https://steemit.com/steemit/@cryptaldash/join-our-giveaway-and-get-a-chance-to-win-150-sp-delegation",
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      "body": "Welcome to Steemit. It's really a good platform for the nurturing authors and for the people who want to share their good work with the world. You'll surely have a nice time here. Lots of good wishes and good luck to you!! :):)",
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      "author": "jlkreiss",
      "body": "Hi! I am your greeting bot. 🤗 \r\nI warmly welcome you to Steemit!\r\nI just upvoted you based on the quality of your introduction.\r\nI wish you a lot of fun and success on Steemit!\r\nKeep on writing nice posts and follow me @jlkreiss to get premium world news coverage round the clock! 🦄🦄🦄",
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      "author": "steemplus-bot",
      "body": "#### Welcome to Steem, @amonas!\n\nI am a bot coded by the SteemPlus team to help you make the best of your experience on the Steem Blockchain!\nSteemPlus is a Chrome, Opera and Firefox extension that adds tons of features on Steemit.\nIt helps you see the real value of your account, who mentionned you, the value of the votes received, a filtered and sorted feed and much more! All of this in a fast and secure way.\nTo see why **2931 Steemians** use SteemPlus, [install our extension](https://chrome.google.com/webstore/detail/steemplus/mjbkjgcplmaneajhcbegoffkedeankaj?hl=en), read the [documentation](https://github.com/stoodkev/SteemPlus/blob/master/README.md) or the latest release : [SteemPlus 2.17 : Tips](/utopian-io/@steem-plus/steemplus-2-17-tips).\n",
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      "author": "nuoctuong",
      "body": "Good luck my friend. Best of luck in this new community.",
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