Monthly Archives: May 2017

Easy Way to Find Many Houses of your dreams

It’s everyone’s worst nightmare–you find that dream home only to take a look at the asking price and have your stomach drop.

Can you afford it? Is there a way to pool your resources and assets to make it work?

And what if you settle for something small and pokey, in a bad area of town because you think you can’t afford better, only to find out (after you’ve signed the papers) that you could?

Before you commit to signing on the dotted line, it’s a good idea to research just how much home you can afford and whether you could scale up or if you should dial it back.

Here are some simple ways you can find out just how much you’re entitled to borrow against the cost of a property and basic tips on how to prepare your financial information to help you start out on the right foot. Plus we’ll make it even easier with a home loan calculator that saves you the math!

Find out what the lenders will be asking

There are a few things you’ll need to take into consideration before you head off to trawl the net for borrowing solutions.

1. Gross monthly income
How much do you make a month, before your bills and expenses go out?

2. Debt and monthly expenses
If you have any credit cards, existing loans or rolling monthly expenses, you’ll need to make a note of them before you start.

3. Credit score
Use an online tool to find out what your credit score is. The quality of your score will affect how much a bank will be willing to lend you.

4. Down payment amount
How much can you afford to put down in a lump sum and how much is required?

Get all your financial information together before you approach a bank or lending company so you know where you stand.

Even the practice of collecting this information will give you a rough idea of what you can afford, so avoiding disappointment is easier.

You may also want to get together a list of questions to ask your bank or realtor, such as the tax on the property and how much the closing costs on the property are likely to be.

Use a home loan calculator

This is the fastest and easiest way to figure out how much home you can afford.

Just use an easy tool to enter all your monthly outgoings and the costs you’d expect to pay on the new house.

The home loan calculator will show you how much you can afford to borrow, so you don’t come away with more than you can handle or less than you can afford. Easy!

Consider the costs going forward

The cost of a home isn’t just about the ticket price, you know. Every property comes with monthly costs going forward:

– Utilities
– Home maintenance
– Tax
– Insurance

You also have moving costs and home interior expenses to think about, so don’t forget to add those to your list!

If you’ve got all your finances together and you’ve used a home loan calculator to see just how much you can borrow, you’re ready to plunge into the world of the housing market!

4 Ways to Solve Water Heaters Fail at Your Home

1. Water Is A Strange Color

This is a telltale sign that your hot water heater is on its way out. If the water in your shower has been consistently running with a yellowish or reddish tint, it’s time to think about an upgrade.

This is happening because your heater is starting to rust.

Before you buy a replacement, drain about ten gallons of water from the heater. If after that, the water is still coming out with a strange color, it’s time to move on.

2. It’s Just Old

We all have to go sometime, and your tankless water heater is no different. Generally, you want to begin to think about replacing your water heater once the ten-year mark rolls around.

Sometimes, electric hot water heaters can last a bit longer than their gas counterparts. If you’re looking to extend the lift of your water heater, you’ll need to perform regular draining.

You’ll also need to keep the area around the heater clear. This won’t just make your heater last longer, it’s also a safety feature. A failure to properly clean your water heater (or any other heating appliance in your home) accounts for nearly 30% of all home heating fires.

To determine the age of your hot water heater, check the serial number.

3. Water Is Collecting Around The Heater’s Base

If you notice a pool of water around the base of your heater, it’s likely gotten a crack. This crack will only get larger over time.

Still, make sure that the leak is truly coming from the tank itself before you get a replacement, instead of the fittings or in the pipe that connects the tank.

4. It’s Making Crazy Noises

If your water heater sounds like your teenager’s attempt to play the drums, it’s not just an annoyance. It could be a sign that it’s time to invest in a new model.

This happens because, with age, debris builds up at the bottom of the tank. This debris gets heated by the tank, and eventually, it hardens. This makes it pretty impossible to clean off.

Even if you decide to keep the water heating going for a few more months and just deal with the noise, keep in mind that this will make things much less efficient for you. Translation: your energy bill is going to be higher.

Since your water heater already accounts for between 15-24% of all the energy used by your home, any steps you can take to lower your use will make a big difference in your bill!

5 Beautiful Garden Walk Ideas and Fresh Looks for Your Home

1. Take the First Step

Stepping stone walkways are always in style. They appeal to everyone – especially children. They love using them for their summertime chalk art!

Stones come in a variety of colors. You can choose what suits your style best.

Comprised of large stones placed in a bed of gravel, these walkways allow you more creativity and flexibility in your yard design. You can place the gravel in any shape you like.

You can also decide whether your walkway will be single-file, or if it will accommodate two people side by side for a leisurely stroll. Single file paths are usually used for access around the side of a house, or to a shed, for example.

2. Lead The Way

Garden pathways aren’t about getting from point A to point B. They’re about enjoying the journey.

Meandering paths through scenic gardens are healthy for you. They help your brain relax. Create peace in your home garden by using a curved pathway.

Curving walkways create a sense of calm. They can also help small yards feel larger because they elongate the walking space. These informal pathways work best when surrounded by lush vegetation. Plants that stand about 6 inches to 1 foot high are a good fit.

Try large, fluffy plants like lavender or mondo grass to help flesh out your serene garden space.

3. Stay on the Straight and Narrow

Straight walkways give off a more formal vibe. They pair well with colonial style homes and larger yards, though they can work well with any space.

Lean toward plants that you can trim and arrange. Box hedges and sculpted topiaries all pair well with the crisp and clean lines of a straight walkway.

To add interest, consider a trellis covered in colorful blooms. Those with larger yards might invest in a water feature or small pond.

Small yard? Setting pavers on a diagonal will elongate the space. You can even grow moss between them for a refined feel.

4. Choose Your Palette

Whether you decide to create a zen garden or a garden inspired by Versailles, it’s important to choose materials that mesh with your theme.

Different shapes, textures, and colors of stone can each give off a different feel. For a cozy sensation, add lots of texture, asymmetrical shapes, and deep, rich color.

Going formal? Try angular, flat pavers in a neutral shade.

5. Mix It Up

Some of the best gardens are a blend of styles. Try breaking the rules. Mix textures and colors (like smooth slate and red brick) for a surprising satisfying pop of color.

Did you know that gravel comes in colors? Pair bright, unconventional colors and patterns to amp up your creativity.

By adding a few pavers for walkway, you can transform a garden into a wow-worthy space. There’s no better time than right now to start creating the garden of your dreams.

3 Reasons to Hire a House Cleaning Service Today

But keeping your home as clean as you want it is almost impossible. Who can keep up with the endless sweeping, dusting, mopping, and scrubbing? Not to mention the deep cleans for those more serious issues.

It can seem like a consistently clean house is a pipe dream. You may have even resigned yourself to living in a perpetual state of messiness.

But don’t give up hope just yet. There’s another solution: hiring a cleaning services company.

A cleaning company might seem like a luxury. But when you weigh the benefits of a cleaning service against the cost, it’s a pretty easy decision.

In this article, we’ll look at all the benefits that a cleaning services company can offer at a surprisingly affordable price.

1. The professionals clean better

No matter how well you clean, there’s a good chance you aren’t as skilled as the professionals.

As the saying goes, practice makes perfect. And nobody spends more time practicing cleaning than professional cleaners.

Commercial cleaning services hire only highly-skilled individuals with years of experience. Many reputable companies only hire certified technicians, so you can be assured that your house is getting the deepest clean possible.

Cleaning companies also provide their employees with the highest quality equipment and materials.

And it’s more than just brooms and mops. Professional cleaners have access to industrial carpet cleaners, caustic grout cleaners, and more.

When you pair this high level of expertise with access to top-of-the-line supplies, you get a deep clean that is impossible to match on your own.

2. It’s surprisingly cost effective

Take a moment to figure out how much you spend on all the various cleaning supplies in your house.

How much do you spend on larger items, such as renting a carpet steamer or a power washer?

Or what about expensive stain removers that you buy in a large container and only use once?

These costs add up over time. Compare your yearly cleaning budget to the cost of professional cleaners, and you might be surprised to find that a cleaning service company is surprisingly affordable.

And when you consider how much time you save, there’s really no comparison.

3. Your time is precious

How much time do you spend cleaning?

Half an hour a day? A few hours on weekends? Maybe you have a few all-day cleaning sessions a year.

Now imagine if that time was freed up. Think of everything you’d do instead.

Would you take a hike with your family? Pick up a new hobby? Maybe you’d go to the movies or read more books.

Hiring a commercial cleaning service frees up your time so you can get your life back.

What are you waiting for?

Hiring a professional cleaning service can seem like an extravagant expense. But when you weigh the time and money you save against the quality of services you receive,

But when you weigh the time and money you save against the quality of services you receive, you’ll wonder what you’ve been waiting for.

So don’t wait any longer. Call your local cleaning company today and get your time back.

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