Category Archives: Yard & Outdoors

Home Security (5)

Home Security

You may not believe it but most burglars do not plan their break ins. They are crimes of opportunity. They pick what appears to be a simple target. If they see a greater risk than they anticipated, they move onto a safer target. Therefore the more effort you take to keep your home from seeming to be a simple target, the safer you will be.
A multilayered structure is the best way to approach arranging your home security, and the first layer is the landscaping and other features of your yard.
Landscaping and Yard Security
A few simple changes to your landscaping can help to protect your home from would be burglars. They are looking for a home they can get into and out of quickly; the more time they spend in your home the more chance of getting caught. Their best target is a home surrounded by tall hedges and shrubs, which restricts visibility from the street and your neighbours’ houses.
Trim your shrubbery and trees so that your doors and windows can be seen by neighbors, and from the street, by forgoing a little privacy you will not be providing a hiding place for a burglar. If you have more than one floor, prune trees away from upper floor windows to prevent an intruder using them as a ladder, also make sure any trellises won’t provide a convenient ladder to gain entry to the upper floors.
All planting close to the sidewalk, driveways, doors or gates, should be kept low say no more than two feet in height. As you move further away from the sidewalk you can increase the height but keep it down to no more than four feet.
Any plant under the window should be kept below the windowsill.
Trees should have their lower branches trimmed to at least seven feet off the ground.
Be sure to keep your lawn trimmed; an uncut lawn will indicate to a potential burglar that you have been away from your home for some time.
By placing gravel on the ground under windows you will be warned if someone walks on it, this can be a useful psychological deterrent. Remember not to have any large rocks or stones near glass windows or doors. There’s no point in providing a burglar with his tools!
Plant spiny (thorny) plants along fences and under windows, and on border fences, roses are ideal. Protecting your home with spiny plants is as good as using barbed wire, and it looks a lot better too.
Street Numbers.
Make sure your house number can be seen easily from the street. This can save time for the police and emergency services if they need to find your home.
It is best to use numbers made of reflective materials, or alternatively black on white, they should be at least six inches high to facilitate visibility from the street. Keep the number clean and trim any plants, so it can be seen. The number should be illuminated and near the front door or the garage entrance.
Limiting Access to Yards and Store Rooms:
The main thing burglars are looking for is an obstruction free and speedy exit. Fences will stop burglars from carrying away your larger processions, if the gates are locked. Gates should be locked at all times!
Make sure that any ladders and tools are stored in a garage or a storage shed, and these should be locked when not in use. To increase security chain your ladder to the wall of the garage when it is not being used.
The idea is to use the landscaping to control access to your property. Proper fencing hedges etc. create barriers that will make a potential burglar feel uncomfortable as they approach your home, but will not prevent a neighbour or passer by from seeing any unusual activity.
I will be covering additional steps you can take to improve your home security in the next article in this series.

Common Mistakes of First Time Home Buyers

Common Mistakes of First Time Home Buyers

Buying your first home is exciting. No more rental payments to a landlord making money for someone else. Instead, you are purchasing your own home and investing in yourself. Money paid to your home mortgage is really investing in your future. It is no wonder that first time home buyers are so excited, sometimes so excited that they make mistakes. There are a few common mistakes of first time home buyers, which with some knowledge and direction can be avoided.

First of all, it is always good to research the housing market and see what is out there. Yes, the very first house you look at may look like its perfect, but there are others out there for sale too. Be sure to at least look at a few before deciding on the one you want to buy.

Watch the cost of the home, do not be swayed into thinking that you can not barter down the cost of the house, you probably can.

Insist on a home inspection by a qualified inspector. There are plenty of people who will provide you with a home warranty when you buy their house and try to sway you from having the house inspected.

Having a home warranty is important and many first time home buyers just don’t know that they should or could get one when they are buying an older home. Home warranties are not a new product; they’ve been around for many years, but many people think that they are for new homes only, not realizing that they can be purchased for older homes as well.

A home warranty makes great sense when you are purchasing an older home – you just don’t know the house very well until you’ve lived in it. A home warranty protects first time home buyers from major expenses for repairs and replacements that could come up.
A first time home buyer can make a major mistake if he or she does not understand that if something goes wrong, they are fully responsible to fix it. There is no landlord to call and the costs are all theirs to bear. This is one of the major reasons it is so important to invest in a home warranty when you purchase an older home. If any major repairs need to happen, most often the home warranty will cover the costs, making owning a home much more feasible.

When looking for a home warranty, it’s important to have a basic understanding of what you are looking for. When you talk to an agent, there are many questions that you need to ask to be sure you know what level of warranty you are getting. Questions to ask include:

  • What is covered with the home warranty? Most often the electrical system, plumbing system, heating system, cooling system/air conditioning, and major appliances that are covered under the warranty.
  • What is excluded from coverage with the home warranty? Most often this includes outdoor water, including the sprinkler system, faucet repairs, hot tubs, pools, spas and costs of hauling away debris and old appliances.
  • What are the rates/premiums? How much will you have to pay for the home warranty?
  • What is the deductible on the home warranty? The deductible is how much you will have to pay when you make a claim. Most often the deductible is , this amount will be deducted from the overall cost of the reparations paid by the warranty company.
  • How long is the warranty active for? Most often home warranties are offered in one year terms.
  • Is the warranty renewable at the end of the term? If you’ve purchased it yourself as the buyer, it is likely renewable. However, if the seller purchased the home warranty, it will not be renewable.
  • What are the terms of the warranty? When will the warranty be void? Most often if you’ve misused the item, or if it is not up to code or not installed properly, your warranty will be void and will not cover any reparations.
  • How are claims handled?
  • How do I make a claim?

With the above information, first time home buyers can avoid some of the serious mistakes that are usually made, and then go through with their home purchase knowledgeable and safe from the fall out of a potentially serious mistake. Mistakes such as the ones listed above can land a first time home owner in serious debt paying for repairs they were not prepared for financially. Owning a home of your own is very exciting, especially a first home, but make sure you go into it with your eyes open, your finances secure and a plan for the future should a problem rise with one of the major components of the home.

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