Carla Ness' Blog
A first-time homebuyer often proceeds cautiously as he or she navigates the real estate market. However, if this homebuyer discovers the "perfect" home, the risk to overspend to acquire this residence may prove to be too much to resist.
It is important for a first-time homebuyer to understand what it takes to purchase a house at a price that matches or exceeds his or her expectations. That way, a homebuyer can avoid the temptation to overspend on a house and reduce the likelihood of breaking his or her homebuying budget.
Now, let's take a look at three tips that a first-time homebuyer can use to minimize the risk of overspending on a house.
1. Assess the Housing Market Closely
The housing market frequently fluctuates, and a first-time homebuyer who identifies real estate patterns and trends may be better equipped than others to pay the right price for a residence.
Having the ability to differentiate between a buyer's market and a seller's market is key. If a homebuyer understands the differences between these markets, he or she should have no trouble submitting a reasonable offer on a house based on the current housing market's conditions.
In a buyer's market, there is an abundance of available houses and a shortage of property buyers. This market favors homebuyers, and as a result, a property buyer may be better equipped than ever before to acquire a great house at an affordable price at this time.
Conversely, a seller's market favors home sellers and includes a shortage of high-quality houses and an abundance of homebuyers. In a seller's market, a homebuyer may need to submit a competitive offer on a house, or he or she likely risks losing a residence to potential rivals.
2. Get Pre-Approved for a Mortgage
Want to stick to a homebuying budget? With a mortgage in hand, a first-time homebuyer will know exactly what he or she can spend on a house and narrow a home search accordingly.
To get pre-approved for a mortgage, a homebuyer should meet with several banks and credit unions. This will allow a homebuyer to learn about all of the mortgage options that are available and choose a mortgage that corresponds to his or her finances.
Also, be sure to ask potential lenders plenty of questions about various mortgage options. By doing so, a homebuyer can boost his or her chances of making an informed mortgage decision.
3. Collaborate with a Real Estate Agent
A real estate agent can help a first-time homebuyer explore houses that fall within a specific price range, thereby reducing the risk that a property buyer will overspend on a house.
In addition, a real estate agent is happy to provide honest, unbiased homebuying recommendations. This housing market professional understands the ins and outs of purchasing a house, and as such, will do everything possible to guarantee a property buyer can acquire a terrific residence at a budget-friendly price.
Avoid the temptation to pay too much to buy your dream house – use these tips, and a first-time homebuyer can seamlessly navigate the property buying journey.
Microfiber cloths have become incredibly popular in recent years. Especially within the “green clean” crowd. And with good reason, while they might look like just another cleaning cloth they are actually in a class of their own.
In fact, you could think of them as the heavyweight champions of the cleaning cloth world. Because of the “micro” in microfiber, these clothes are able to do a lot more of the grunt work without the aid of a cleaning product. And those instances you would pair it up with a cleaner? You would need far less of it than you would if using another cloth material.
I know using less cleaner or even none at all sounds counterintuitive. But here’s why eliminating the need to use cleaning product is a good thing - if you don’t properly clean the surface of cleaning product residue you are going to be creating a dirt magnet. Huh?
Yup! You see it comes down to the chemistry of how cleaning products clean. There are specific molecules inside the cleaner that when combined with water are actually attracted to dirt and grime and able to carry them away. They pick them all up and hold them close. So when they haven't properly cleared away from the surface they keep doing their job! They attract more dirt and more grime, holding on to every last bit they can.
As you can imagine the more product you have to use to clean up, the higher your chance leaving residue behind. This is where microfiber cloths save the day. Their unique two-pronged fibers that are indeed micro are able to pick up and hold onto anything it comes across. All without leaving anything behind it in its tracks.
Use dry for regular dusting and wet for all other uses. And how many there are! Tackle tile, counters, shower walls, and mirrors. All with just water and your microfiber cloth. Seriously, you won’t need glass clean or any sort of cleaning product here.
Use on a Swiffer in lieu of disposables for both dry and wet mopping floors. Keep one on hand in either your bag or car to spot clean any accidental spills on clothes. Yes, they can even tackle clothing stains! Replace germ breeding loofahs out for a microfiber. Store one in the bathroom cabinet for easy access to wipe down the counter and sink each day. And use one to wipe down the shower after use.
The care and keeping is simple. Daily clothes can be rinsed in warm water after use, machine washing weekly. However, avoid bleach and fabric softener as each will damage your cloth and reduce its effectiveness. “Refresh” clothes by boiling them in water with baking soda.
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AI (artificial intelligence) is moving in on the homefront. And at the head of the pack is Amazon’s Echo with its assistant, Alexa. Echo comes in 3 options: a minimal hockey-puck-shaped device, a sleek tube in fashionable shades that make it a natural addition to your home decor, and a square-shaped device with a video screen, camera and mic capabilities.
Many are eager to bring home Alexa and make it the newest addition to their home but are left wondering what exactly does it do?
First, you need to teach Alexa which commands to recognize and perform. These commands are called “skills” And there is a whole library jam-packed with them. So where to start?
Create a Flash Briefing. Create your own daily update feed with the Flash Briefing option. You choose which sources you want Alexa to pull from and which time to report in. Get the weather, news and other updated while you get ready every day.
Use as an alarm in the morning - wake up to music, a radio station, the news, etc. If it’s available via Amazon Music it’s fair game.
Order a ride via Lyft or Uber. You can ask how much the trip will be and have it automatically billed to your account. Speed up getting ready to go out by coordinating your ride while you put on your final touches.
With multiple devices, you can sync music to play throughout your house. The app allows you to group all of your devices together into one cohesive house-wide system. Whether you want to listen to music, the news, a podcast or an audible book you can hear it no matter where you go - perfect for cleaning days.
Order pizza from Domino’s or Pizza Hut. Who doesn’t want pizza to arrive at their beck and call?
Tune your guitar. With this skill, Alexa plays a song for you to match and listens in until you match up perfectly. Which means you don’t need another device, app or website to keep track of.
Sync up to your Fitbit to ask for updates on your latest activity and step progress for the day. In fact, you can even get more steps in while you ask since you don’t have to sit down at the computer.
With a Wemo Smart Plug, you can enable Alexa to turn devices on and off with a simple voice command. And with their light switches, you can turn lights on, off and change the brightness to match your mood.
If you have a Hyundai, Mercedes or Ford with the right capabilities you can have Alexa start your car for you. Giving you five more minutes to grab breakfast for once.
Meditate with the Stop, Breathe, & Think meditation skill for Alexa. Just say how long you want to meditate for and settle in to clear your mind. Who said technology keeps us distracted?
And then there is always the option to ask Alexa which skills to enable. So meta!