Tag Archives: Time

Common Mistakes of First Time Home Buyers

July 01, 2024   Matt

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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Plumbing Problems Clogging Up Your Time? Help Is Here! (3)

June 29, 2024   Matt

Plumbing Problems Clogging Up Your Time? Help Is Here!

Did you know that you run the risk of freezing your plumbing pipes if you have any rooms that are not heated? This can sometimes come unexpectedly because you expect the adjoining rooms of your house to stay warm enough. For this and other plumbing tips, read the rest of this article.

Work with plumbers that offer flat rates. When a plumber is charging by the hour, they do not have an incentive to get the job done quickly. It is human nature to go just a little bit slower if it’ll mean extra money in our pockets. If you cannot find someone who charges per project make sure that you are vigilant in watching the clock and their work.

Check the plumbing in your home. If your home has the flexible gray polybutylene water pipes, you need to have a plumber come out and assess their condition. These types of pipe are prone to failure and can lead to very costly repairs if they have a failure within your home.

If water backs up from one sink to another, it is because the lines are connected. The part of the branch line for one device might be higher than another, but most likely there is also a blockage in the branch line connecting the two devices as well. This blockage must be cleaned.

Group all of your plumbing repairs before scheduling a plumber to come out. Check all of your fixtures and faucets. If anything is dripping, running or clogged, make a list for the plumber. That way, when the plumber comes, they can do all of the jobs in one visit. This will cut down on charges.

Use a foaming root killer, twice yearly, to remove tree roots that can bring your drains to a standstill. Foaming products fill the entire pipe with chemicals, killing roots that grow from the top of the pipe as well as the part that water flows through. They are more effective than regular root killers for this reason.

During the week, hair and soap can build up in your drains and can cause serious clogs. Make sure that you have strainers in each of your drains to help catch this debris so that it does not become an issue. This will help to keep your water flowing efficiently.

If your kitchen sink sprayer hose is hard to get out, it might be catching the valve underneath the sink. Protect the valve with an insulation foam pipe. Cut the foam pipe in half and place it over the valve. Tape it if you need to. You can repeat this operation on other valves too if they are exposed.

When the temperature drops below freezing, protect exposed pipes from the weather by adding a source of heat near the pipes. Ranging from electrical tape applied directly to the pipes to small space heaters placed near exposed pipes, keeping the temperature above freezing can prevent costly repairs caused by frozen pipes.

In conclusion, it is important to know what to watch out for so that you do not find yourself underwater when it comes to plumbing issues. Use the great advice provided to you in this article and you will be glad that you took the extra few minutes to further your knowledge.

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Plumbing Problems Clogging Up Your Time? Help Is Here!

June 24, 2024   Matt

Plumbing Problems Clogging Up Your Time? Help Is Here!

If you’re a homeowner and have had to call a plumber to fix a problem, you know how expensive and annoying it can be. Wouldn’t it be great if you could fix your plumbing yourself? Well, it might be easier than you think! Read on to find out how.

Avoid pouring grease or oil down your kitchen sink drain. Grease and oil can build up in your pipes and cause a backup. Instead, wait for the grease or oil to cool and solidify and either throw it away or see if there’s a place to recycle it near your home.

Use a shop vacuum to unplug your toilets or drains, if a hard object is clogging it. Using a plunger will only push the object further and make it impossible to remove. If you do not have a shop vacuum, you can rent one from most Walmart stores or from similar franchises.

If you need to drill holes in your walls or ceilings, start with a hole big enough to fit your hand through it. Take a picture of the inside with a camera or a cell phone. Make sure you activate the flash function and take several pictures in different directions.

To protect your money from unsavory plumbers, always get a written estimate before paying a cent or committing to a project. Good businessmen know to under-promise and over-deliver to savvy customers. Once a stated number is given, it is highly unlikely that your plumber will exceed the projected costs of the project.

Before you start a plumbing project you should tighten all of the pipes that are easily accessible. Especially if your pipes are making a range of loud banging sounds, as this is a clear sign that there are loose pipes along the line. It is also a good idea in case there is a clog so the excess pressure released does not break a loose pipe.

Make sure your plumbing contractor has the proper insurance before letting them work in your home. This is a big problem with all types of construction contractors. They may have the proper licenses, but because of the high cost of insurance, they may not be properly insured and can end up on your homeowners policy if they get hurt.

To winterize a house that will sit unused during the winter months, you must completely drain all of the pipes. After turning off the main water supply, let all of the water drain from the faucets, toilets, and water heater (turn off the gas). Add a quart of antifreeze to sinks and the tub to prevent water from freezing in the drain trap.

Always keep a trash bin in the bathroom so that you can dispose of cotton swabs, facial pads, and hair. Do not put these materials in the toilet as they can cause clogs over time and disrupt your water flow. These items will not dissolve or break down when submerged in water.

As you can see, solving your plumbing problems yourself can be a satisfying way to save money and take care of your house independently. Next time you have a plumbing problem, you’ll be ready to tackle the issue yourself with the tips you’ve taken from this article.

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Tips for First Time Home Buyers

December 29, 2023   Matt

Tips for First Time Home Buyers

Buying a home for the first time is very exciting – no more renting, you are now paying and investing in yourself by paying your mortgage. However, through all the excitement of a mortgage and buying a new home, it’s easy to get carried away and to forget some important things you should be looking for. It would be awful if your first home buying experience turned out badly and you bought a house that was a money pit because you didn’t take a few moments to look at all the aspects.

One of the key things first time home buyers should do is look into home warranties. A home warranty works similarly to warranties that you have on your vehicle or your appliances. You wouldn’t buy a new car or an appliance without a warranty, so why would you make the biggest purchase of your life and not get a warranty? Home warranties cover a variety of major repairs that may happen after you purchase the house. Home warranties are available for both new homes and older homes.

Either the buyer or seller can purchase a home warranty. If the seller has purchased the home warranty, it’s because they are trying to secure their pricing on the home and sell their home faster. As a buyer, you would purchase a home warranty as a safe guard against any major reparations that need to be done to the home that you couldn’t see, or tell, when you purchased the house.

Regardless of who purchased the home warranty, it is important to look at the coverage that is offered by the company. Coverage varies from company to company and state to state. When you talk to a home warranty agent, or look at the sellers’ policy, be sure to ask what is and is not covered on your home warranty specifically.

Most home warranties will cover:

  • Air conditioning system
  • Built in dishwasher
  • Built in microwave
  • Built in trash compactor
  • Ceiling fans
  • Central heating unit
  • Duct work
  • Electrical systems
  • Garbage disposal unit
  • Plumbing systems
  • Refrigerator
  • The oven or range
  • Washer and dryer
  • Water heater

Most of everything else is not covered. This includes:

  • Outdoor sprinkler systems
  • Outdoor water systems
  • Faucet repairs (unless otherwise stated in the policy)
  • Spas (you can request/add this coverage in some cases)
  • Pools (you can request/add this coverage in some cases)
  • Hot tubs (you can request/add this coverage in some cases)
  • Permit fees
  • Hauling away debris
  • Hauling away old appliances

It’s also important to find out when a request would be denied. There are plenty of reasons why a home warranty would be considered void, including:

  • Improper maintenance
  • Improper installation
  • Code violations
  • Unusual wear and tear

It is a good idea, when you buy your first home, that you have an inspection done on the house to ensure that it is properly up to the building codes and that there are no code violations and that the major systems and appliances in the house are properly installed and that they’ve been properly maintained.

Buying a home can be so exciting that you may jump at the first house that meets your needs and your budget – many people have been there. It’s always a good idea to take a step back from the situation and really look at the house – is this where you want to live for at least the next three to five years? Is it what you hoped it would be? Are there other homes that you are considering?

In some cases, having a home warranty can make or break the decision to purchase your first home. Most often, first time home buyers aren’t entirely up on what they are taking on – there’s no landlord to call if the pipes burst – that’s for you to handle. No heat? No hot water? You have to pay to replace and fix those items. These items cost up to thousands of dollars – do you have the money to fix and replace these major items, such as the electrical system, major appliance, hot water heater or furnace if they should stop working? This is why it’s always a good idea, especially for first time home buyers, to purchase a home warranty to protect them from the sometimes incredible expense that is associated with owning your own home. When you look for a home warranty, be sure to ask lots of questions and get a few quotes so you can compare the coverage on the home warranties and the rates that you will be charged.

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Hard Time Fixing The Toilet? Try These Great Ideas! (2)

August 19, 2023   Matt

Hard Time Fixing The Toilet? Try These Great Ideas!

Doing your own plumbing can be an important part of your home improvement. You need to do all of your research, so that you don’t wind up losing a ton of money or destroying your home and your stuff. There are some tips listed here to help you begin with it.

Learn early what type of faucet you have and learn how to handle common issues that may arise with it. There are four basic faucet types: compression, cartridge, disc, and ball. If you know ahead of time what you have and how to fix it, you will save yourself some major frustrations down the road.

Keep an eye on the hoses for your dishwasher and washing machine. These hoses can leak and bulge, which can be a problem. Check them for signs of wear and tear and replace any hoses more than 10 years old. You’ll find that these hoses age well, but you have got to make sure they are doing the job they should.

While it may seem like a seemingly harmless thing to do, never run potato peels through your garbage disposal. The chemical make up of this seemingly harmless food allows the potato to turn into a thick, viscous substance that can wreak havoc on the disposal itself, with the potential to render it completely useless.

When winterizing your plumbing system be sure to release the water through pressure. Often times people only close the shut off valves. This does not prevent your pipes from freezing. You must make sure the water is pushed out of the pipes completely or the pipes could freeze and burst into the home.

Do not put your hand in the garbage disposal to remove a clog. This can be potentially harmful. Always use tongs to get out whatever is stuck in the disposal. Using tongs is much safer, and you will make sure your hand does not get cut on the disposer’s sharp blades.

Treating your drains every month is a great way to avoid future clogs and other problems, and it’s a very simple procedure. Just run one to two gallons of hot tap water down each drain in your house.

If you toilet is clogged up, the water is low and a plunger doesn’t work you could try dumping warm water from a bucket into the toilet from waist level or higher. You should repeat dumping warm water in the bowl when necessary and if the water gets low again.

If you have plumbing pipes that are exposed, meaning you can see them as you walk through your basement, you should take the time to insulate them. This can be done easily by wrapping them with foam tubes that slide right over the pipes. This will prevent any damage due to freezing.

Doing your own plumbing can be very rewarding, but it can also be a lot of work. Regardless, if you know what to do and how to do your plumbing properly. So, do yourself a favor by doing your research and applying these tips to your home plumbing endeavors.

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Time Management Tips to Keep a Smooth-Running Household

October 06, 2022   Matt

Time Management Tips to Keep a Smooth-Running Household

Ten Time Management Tips to Keep a Smooth-Running Household

Remember when your mom always told you to stay organized and you would have more time? Of course you do. How often have you misplaced something and thought if you don’t find it you would fall apart? If you find yourself still losing items it’s time to stop!

Stop putting yourself through useless hours of frustration and emotional outburst. Get organized and stay that way. Look how much easier life can be if you do. Your household will run so much smoother, and everyone from husband to the smallest tike in the house will not be waiting for misplaced items to be found.

Look at some of these useful household tips to help your life run much smoother and more efficiently.

Remember what mother said, and use your common sense. Schedule more time for things that you’re going to do around the house. It doesn’t matter if it’s vacuuming; block more time out to do it. If you hear yourself saying it shouldn’t take any more time than a certain amount of time to do something then re-think that statement. You know in your heart it often does, so learn to deal with blocking time.

Once you’ve decided to do something, keep doing it until you’re done. That doesn’t mean running your self into exhaustion. Taking a break is permissible, but don’t get off on another tangent until you complete what you’re doing. Complete it!

Use time by applying it to your advantage and use it proficiently. For example, when you’re unexpectedly interrupted by a noisy chatty neighbor, or a well meaning but lonely friend, it’s okay to tell them you’re busy. Go ahead and continue to do little things that take up the minutes of the day such as pick up toys, clothes or whatever else you were doing when interrupted. If they love you and care they understand.

Use the house cleaning one-week principal. Give your home a deep cleaning at least once a week. Getting the grime out every week or two weeks will keep the kitchen sink from building up with grime around the edges until you would have to sand blast it to get it clean. This wastes time. It’s not healthy either.

Keep lots of lists. Don’t depend on remembering everything, you can’t. By keeping you’re to-do list everyday, you won’t have your phone cut off right in the middle of a very important business call or more importantly an emergency. Keep your paper work up daily; even if that means just straightening it back into its organized pile.

If possible use the principle of lets get it done in one stop idea. Instead of wasting time and going here or there everyday, it is best to plan all outings to do at one time. For instance, go to pay a bill, pay as many as possible, then stop by the oil changing place, then before you go home, get groceries. On average, and depending on if you live around a larger traffic area, you’ll spend 15 minutes each way driving somewhere, that’s a lot of time to be wasting everyday. It’s not fuel efficient either.

Get rid of junky clutter in your house and garage. Have you heard people say that everyone has a junk drawer or a junk area in their house or apartment? Do you have one? That’s doesn’t need to be. If you’ve got junk, get rid of it. Let go of the painting that hasn’t hung on the wall for twenty years, unless of course it’s a family heirloom. If it doesn’t fit, get rid of it. If it’s beyond repair take it to the garbage heap.

Take the time to buy or make your own proper storage containers. If you’re still cramped after cleaning out, consider saving for a storage building, either rented or for your own yard.

Enlist the help of others and encourage them to help you rid of the clutter. You might have to do some real cajoling for the younger members of the family, that still want to keep a broken toy. Be persistent, but gentle with them. Ask them to donate used but well kept toys and clothing.

Prioritizing every day is what really needs to be done. If the clutter bothers you excessively or is not healthy then get rid of it

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