Len and Leslie Marma's Blog
As incredible the act of purchasing a home is, many buyers end up regretting their purchase. There’s a variety of reasons for this. It all comes down to being ill-informed about buying a home and the type of home needed for the most liable situation. Read on to find out some of the biggest regrets home buyers face and how to avoid them.
Buying Too Small Of A Home
The most prominent regret that many buyers face is not buying a larger property. Many people want to live in a specific location or type of home that they overlook the size altogether. One reason that people end up buying a home that’s the wrong size is that they rush to find a property in a particular area. If you branch out on your search, you’ll have a better shot at finding the right size home. The area might not matter as much as the space you’re living in, s keep that in mind.
Not Doing Your Research
People tend to skip out on the research phase of buying a home. It’s critical that buyers understand things like mortgage rates, fees, credit reports, how much needs to be saved, and more. There are so many things that go into buying a home that you could easily miss out on something if you don’t know what you’re in for ahead of time.
Not Saving Enough
Your home will be one of the largest purchases you make in your entire life. There is a lot more to the cost than just the monthly mortgage payment. You’ll need a lot of money upfront when you buy a home including a downpayment along with other closing costs and fees. Plus, you’ll need to set some money aside for any repairs or replacements you need to do in the home once you move in. It’s also a good idea to have an emergency fund available just in case. Life happens, and you don’t want your savings to be depleted because you bought a house.
Keep in mind that the bigger of a downpayment you make, the better off you’ll be. Even if you can buy a home with a low downpayment, you want to put down as much as possible. A higher downpayment will keep your mortgage payments lower, get you a better rate, and you may even be able to avoid paying for PMI (private mortgage insurance.) Aim to save a 20 percent down payment for the most optimal mortgage situation.
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If you’re looking to save more energy and money around your home, perhaps one of the first places that you should look is your plugs. Take a look around your rooms and see what outlets are being used. If every outlet is full of plugs, you may have some adjustments to make.
There are so many things in our homes that require plugs including TV’s, microwaves, toasters, clocks, refrigerators, phone chargers, and more.
Anything that is always plugged in actually adds to your electric bill whether you’re using it or not. This is known as phantom power usage. Even when a device isn’t turned on, it’s still using energy.
You don’t want to go around your home and unplug everything, only to plug it back in when you need to use it. Use this handy guide to discover what you should unplug and what you can leave plugged in your home in order to save some energy and some money.
What To Unplug
Large appliances in your kitchen would be impractical to constantly plug in and unplug. Smaller appliances, however, are much easier to manage. These include toasters, coffee makers, food processors, and microwaves. The small digital clocks on many of these devices, for example, are constantly using energy. Do you really need the function? If you don’t need to know the time, you should just unplug it and save your home some energy usage.
We need to charge just about all of our devices including laptops, iPads, phones, and even electric toothbrushes. these items don’t need to be plugged in all the time. Once a device is charged fully, be sure to unplug it. It’s only wasting energy otherwise!
Unplug your computer each and every night. Screen savers and sleep modes don’t actually save much power from being used while your computer is plugged in. It’s a good idea to keep your computer unplugged for safety reasons as well. A strike of lighting hitting, for example, can cause your entire system to fry.
Keep These Items Plugged In
There are certain items that you can leave plugged in at your home without worry. These items include:
- Power strips
- Nondigital items
- Items without clock or LCD displays
Power strips are particularly useful for items like entertainment centers and computer setups. Flipping the switch to the off position on the power strip helps to stop the phantom power usage. The convenient thing is that you won’t need to plug and unplug everything in individually, and you’ll still save power.
Saving energy and money is easy when you have the right strategies put in place.
Moving day can be stressful, particularly for those who need to transport many large, heavy items to a new house. Fortunately, we're here to help you simplify the moving process and enjoy an injury-free moving day.
Now, let's take a look at three safety tips to help you avoid moving day injuries.
1. Plan Ahead for Moving Day
You know that you need to vacate your current residence, and if you plan ahead as much as possible, you can minimize moving day risks.
Ultimately, it can be tough to try to move all of your belongings on your own. But if you ask family members and friends for support, you can get plenty of assistance as you get ready to transport your belongings to your new house.
You also should pick up the right moving day supplies. Items like furniture sliders, lifting straps and hand trucks often help speed up the moving process. Plus, these items are easy to find and ensure individuals can avoid putting too much pressure on the body when they move big items.
2. Use the Proper Lifting Techniques
When it comes to moving day, it pays to learn the proper lifting techniques.
For example, to lift moving boxes, you should always lift with the legs – not the back. Bend the knees and keep the back straight, and you should have no trouble safely lifting moving boxes and other items.
In addition, use common sense on moving day – you'll be glad you did. Although you may be tempted to try to move large items as quickly as possible, it is important to know your physical limitations. And if you don't feel comfortable moving a couch, big-screen TV or other heavy objects, you can always reach out to a friend or family member for extra help.
3. Clear All Walkways
It is important to keep all walkways clear on moving day. That way, you can avoid the risk of tripping and falling while you're moving items in and out of your house.
Furthermore, it is always better to err on the side of caution on moving day. If kids or pets are present, you should try to keep them in a safe area until all items are removed from your house.
Moving items can be tricky, particularly for those who need to vacate their current residences soon. If you need additional assistance on moving day, you should contact a moving company.
A moving company hires courteous, professionally trained staff who can help you take the guesswork out of relocating from one address to another. In fact, this business will pick up and relocate heavy items to your new address to eliminate the risk of moving day injuries.
Lastly, if you need help finding a moving company, you should collaborate with a real estate agent. This housing market professional can help you buy or sell a house, along with put you in touch with the best moving companies in your area.
Use the aforementioned tips, and you can limit the risk of injuries on moving day.
If you’re making the transition from renting an apartment to buying a home, it can be difficult to ensure you have a place to stay while you search.
There are a number of reasons you may need temporary housing while house-hunting. Maybe you’re moving to a new state and need temporary housing while you search in the area. Or, maybe you just don’t want to sign a year-long lease on a new apartment that you don’t plan on staying in for a full year.
Regardless of the reason, we’ve got you covered. In this article, we’re going to talk about how to find temporary housing while you navigate your way toward homeownership.
Short-term rentals and sublets
One of the most convenient way to rent an apartment while you search for a home is to simply find short-term rentals.
Landlords use leases for a number of reasons. Among them is knowing that they can count on a tenant to stay long enough to be worth the hassle of going through the rental process.
However, there are some landlords who cater to people who need to rent for only a certain amount of time--namely business professionals and college students. Landlords rent to these people with short-term leases because they are certain that they will get the full lease amount in pay.
Similarly, searching for sublets is a good way to find an apartment on the short-term. Sublets are often cheaper than their normal renting price because the tenant needs to find someone soon. You’re especially likely to find a sublet if you plan on moving in May or June when college students are going home for the summer.
Another service that could be helpful is Airbnb. Many people think of Airbnb as a tool for finding a vacation home or spare room while traveling. However, there are also a number of short-term rentals on the site. You can simply enter the dates you’re planning on staying and compare results. Just be sure to read reviews of the house to be sure that you’re dealing with responsible and trustworthy property managers.
Words of caution
While short-term rentals can save you money while you search and help you avoid a lease, they do come with risks. For example, if renting off of Craigslist, never send sensitive data, payments, or bank account information before verifying that they are actually the manager of the property.
If you do decide to sublet an apartment, take photos when you move in so that tenants or landlords don’t try to hold you liable for any damage caused before or after you leave.
Finally, if you decide to go with a service like Airbnb or extended stay hotels because they appear cheaper than renting, remember that you won’t be able to store your belongings there and might have to pay for storage and a moving truck to transport your belongings. These extra fees can add up quickly over a couple months.
Once you’ve determined your options for temporary housing, hunting for your new home will become much easier.