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Why to Purchase a Home, Canadian Education System Similarity and Differences to the US System
Posted on Thu, 15 Mar 2018, 02:20:00 PM  in Home buying tips
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The Canadian Education system is very similar to the US system. Students in Canada start school typically at age 5, and attend until age 18 at which point the students have entered grade 12. The province of Quebec has an exception to the grade K-12 system: students in Quebec finish a year earlier. Provinces are responsible for all forms of education, with the Canadian federal government only being responsible for the Royal Military College.


Plenty of Tertiary Options Abound Following Grade 12Why to Purchase a Home, Canadian Education System Similarity and Differences to the US System

Following grade 12, Canadian students have the option of attending post-secondary education. There are a wide range of schools, colleges, trade schools, universities, and graduate schools that students can choose from.


Large Investments In Tertiary Education Made By Canadian Government

Canada is known for making large investments into its tertiary education system. They spend roughly $20000 per student in tertiary education. As a result, Canada is also known for high levels of tertiary education among their students. Canada has a rate of 53% attainment of tertiary education which puts Canada at the top of the world for post-secondary attainment.


Plenty of Vocational Education Opportunities

Vocational education in Canada takes 2-3 years. Students pursuing a vocational path are able to take classes in beauty, business, culinary, fashion design, HVAC, health care, and various other areas. These vocational certificates can be very popular as a means of allowing young people to enter the workforce.


High Quality Universities

For those moving on to traditional universities, there are also plenty of high quality options as well. Approximately 16 of the 200 top universities in the world are Canadian. These universities have large endowments and are punching above their weight in their respective fields of influence.


Progressive in Advancement of Research

Canada is also known for being progressive in areas of advancing science and technology. Canada is also known for space research. In the days of the space shuttle, the robotic arm for the shuttle was the Canadarm which was made in Canada. Canada is also active in areas of medical, environmental, arctic, agricultural, communications, and defense research. The Canadian federal government has funded several small and large research institutions scattered throughout the country.


Fast Tracked Process For Foreign Students Becoming Permanent Residents

The Canadian government has also fast-tracked the process for foreign students looking to become permanent residents of Canada. Once foreign students become permanent residents, they are easily able to work for any employer and eventually acquire Canadian citizenship.


Consider Purchasing a Home In Canada

Many people choose to move to Canada for educational reasons because of the attractive environment that the country offers for prospective students. Students can choose from a wide range of universities and different options for courses of study. If you are planning to move to Canada for study, then you will likely want to purchase a home in the country first. In order to do so, you will need to locate a REALTOR® in your desired area first.


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Canada's New Mortgage Rules and How They Affect a Homebuyer
Posted on Thu, 15 Feb 2018, 10:30:00 AM  in Home buying tips
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Canada's New Mortgage Rules and How They Affect a Homebuyer

Canada’s new mortgage rules will cause hardship for some new and existing borrowers. These rules went into effect on January 1 and applied to all new or refinanced home loans. Anyone who applies for a new or refinance loan will have to pass a stress test to ensure they can afford the mortgage.

In January of 2017, applicants who did not put at least 20% down when buying a home are required to have mortgage insurance. With these new rules, applicants who put 20% down or more are required to still face a stress test. These rules make it seven times since 2008 that the mortgage market has seen new regulations to limit the amount of debt a Canadian can assume.

Canadas New Mortgage Rules and How They Affect a HomebuyerThese guidelines will affect people in a variety of ways. If an individual is purchasing a home with a down payment of at least 20% or more, he or she will need to pass a stress test. This stress test requires the financial institution to qualify the application by using a minimum qualifying rate.

This rate must be equal to the greater of the Bank of Canada’s five-year benchmark rate. This rate can also be the Bank of Canada’s contractual rate increased by two percentage points. This stress test may require the buyer to wait to purchase the home with a more substantial down payment or choose a less expensive home. The average reduction would be around $31,000 or approximately 6.8%.

If the individual is renewing a mortgage, he or she does not have to face a stress test. However, if he or she do not pass this stress test, it limits his or her choice in lenders. He or she will have to stay with the current financial institution and will not be able to look for a lower interest rate. It is even possible that individuals who do not pass the stress test will be forced to agree to the uncompetitive rates from their current loan providers.

If the person is refinancing a current mortgage, he or she will have to qualify at a higher stress-state rate than the current contractual mortgage rate. An example is a home purchased for $500,000 with only $50,000 is owed. A person wants to borrow $20,000 for home repairs and renovations. The current loan was financed at 5.0% and is a fixed rate mortgage.

The lending institution would evaluate this loan using the new mortgage rules. The investment would be for $70,000, but the individual would have to be able to pass the stress test at 7.0% instead of the 5.0%. If the person does not meet this requirement, he or she may not be able to get the loan, or he or she may have to decide on a smaller loan amount.

People who signed a purchase agreement before January 1, 2018, will not have to pass this stress test. This fact is true even if the mortgage is not applied for until after January 1, 2018. This loophole applies to new construction and pre-construction sales also.

If the individual was pre-approved before January 1, 2018, he or she might receive 120 days starting on January 1 to purchase a home without the new rules being applied. If a mortgage refinancing commitment was signed before the last day in December, the borrower might receive this same consideration. The only way to ensure a person gets the home of his or her dreams is by successfully passing the stress test which means he or she needs to be able to financially afford the loan or have a more substantial down payment.

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Prepare Your Home For Freezing Temperatures
Posted on Mon, 15 Jan 2018, 02:25:00 PM  in Home buying tips,  Home selling tips
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In the autumn, you should inspect your home to make repairs to the foundation so that snowmelt doesn't seep into the flooring. You can fill small holes with liquid caulking, or you can mix cement to cover the foundation's entire surface. Autumn is also the perfect time to place formfitting foam devices over a home's exterior faucets and to wrap adhesive insulating tape over the exposed pipes.


Have Several Ways To Heat a Home

Prepare Your Home For Freezing TemperaturesInside your home, you can prepare for winter by cleaning your furnace and fireplaces so that you will have enough heat to prevent frozen pipes. Professional chimney sweeps recommend having a building’s chimneys inspected and cleaned once a year to remove layers of creosote or other debris that can cause an internal fire. Make sure to clean your home’s ductwork and replace a furnace’s filter so that climate-controlled air can circulate optimally. It is a good idea to have an alternative source of heat in your home such as electric space heaters or stoves that burn wood pellets.


Keep Climate-controlled Air Circulating

Despite having heat in your home, you should protect the plumbing fixtures and pipes by opening the doors to utility rooms so that the climate-controlled air can circulate properly. In addition, open the cabinet doors underneath kitchen and bathroom sinks. When temperatures drop in your region, turn on the faucets occasionally so that water runs through the pipes to prevent any freezing. You should also flush the toilets in a home during the night to keep water from freezing in the sewer lines. When you are shopping at a hardware store, look for plumber’s antifreeze that is formulated for using in bathtubs and sinks to prevent clogs of ice in the water pipes of your home.


Prevent Cold Drafts

Walk through your home to verify that the windows are closed and locked to seal out cold drafts. You can apply stick-on insulation caulking around the window’s frames, and you can also apply adhesive window film to the inside or outside of the windowpanes. To prevent drafts around exterior doors, place a draft dodger at the bottom of the door. These items are made of fabric and thick fiberfill to keep cold air from entering underneath a doorway. Alternatively, you can roll a blanket, towel or rug to place at the base of a door.


Maintain Your Home’s Water Heater

Maintain your home’s water heater in the winter by making sure that climate-controlled air is circulating around the appliance. Verify that it isn’t leaking in hidden locations on the floor or along the walls. You can find a specialized insulation blanket to place over a water heater to keep the water hot and to protect the appliance from cold temperatures. If you don’t have enough hot water during the winter, then you can turn up the water heater’s thermostat a few degrees, but this will increase the cost of your monthly bill.


Use a Roof Rake To Protect Your Home’s Rooftop

Walk outside of your home to make sure that the snow is melting from the rooftop. If there is a lot of ice or snow on a building’s roof, then the weight can damage the structure, leading to moisture problems or a total cave-in. You can buy a roof rake with a long handle that you can use to dislodge a buildup of snow or ice from the edge of a roof. Use caution while removing the snow because the debris may dislodge quickly, falling on you or items near a home.

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Kitchen Features to Consider When Buying a Home
Posted on Fri, 15 Dec 2017, 03:00:00 PM  in Home buying tips
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When buying a new home, you'll want to make sure that the bedrooms have enough space for your family members, that the roof is in good shape and that the bathrooms have some modern features. Another room you should pay special attention to is the kitchen. This is the room where you will spend time making meals with and for your family and where your family members will gather together. No matter how many homes you look at, always make sure that you consider some key features in the kitchens of those homes.Kitchen Features to Consider When Buying a Home


The kitchen triangle refers to the layout used in most kitchens, which makes it more convenient for those working in the room to get tasks done. It typically puts the refrigerator, stove and sink an equal distance apart from each other. When you draw lines from each point, those lines form a triangle. This makes it easier for you to do prep work like cleaning fresh produce, but you will also have an easier time getting ingredients from your refrigerator and cooking with those ingredients on the stove.

Included Appliances

Those buying their first homes do not realize that many former owners will take their appliances with them. That is why you shouldn't fall in love with a home just because it has modern appliances made from stainless steel. If those appliances were gone, would you still love the kitchen just as much? Check with the listing agent to see which of those appliances come with the home. Some owners will leave behind one or more appliances but charge for each one. Compare the price charged to see if you can get similar or even better appliances for around the same amount or even less.


Fixtures can play a key role in the way a kitchen looks and how you feel about that space. You might find yourself drawn towards traditional fixtures with a finish in antique brass or oil-rubbed bronze. Others prefer more modern fixtures made from stainless steel with a chrome finish. Pay special attention to the faucet on the sink too. Kitchen sinks can come with a faucet that has a sprayer you can pull down or with a touch-less design. You'll find faucets that are tall enough for filling pots and some that come with a matching hot water tap that gives you instant access to boiling water or with a matching soap dispenser.

Overall Space

If you love cooking at home and whipping up new dishes for your family to try, you may want a kitchen with more overall space. A small kitchen may make it hard for two people to work at the same time. Also look at the amount of prep space available. Some kitchens have just one set of cabinets with a small amount of counter space. Prepping will require the use of a new island or a table that will take up more space in the room.

Storage Options

Check the kitchen to see if it offers all the storage space and options that you need too. The more cabinets the room has, the more space you will have for your cookware, dishes and ingredients. If you need even more space, you might look for kitchens that come with a pantry off to one side. A pantry provides space for canned goods and other ingredients as well as your cleaning supplies and heavier pots and pans. When you find a home with a good kitchen that meets all your needs, you'll love cooking in that home after you buy it.

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Some Ideas For Affordable Cities In Canada
Posted on Thu, 30 Nov 2017, 09:25:00 AM  in Home buying tips,  My services

Canada's cities are a mix of affordability. Some are more expensive, while others are less expensive. If you are looking to move from a high-cost city to an affordable one, here are some great suggestions for you to consider. The average Canadian home costs over $440K, but there are places where you can find a bargain in the country if you know where to look. As an interesting side note, the average home value has increased by 9.4% since March 2014.


  1. Trois-Rivieres, Quebec


This city is part of the French-speaking Quebec province. It's got a wonderfully French/European feel, but more importantly the median home price is only $147,000 for a detached home. According to Desjardins, Trois-Rivieres is the #1 out of 20 for most affordable cities. Joblessness is at a relatively higher rate than the rest of Canada, which is something to remember.


  1. Hamilton, Ontario


Hamilton is practically a stone's throw away from Upstate New York. However, this province is known for being significantly more affordable than New York City. The median price of a detached home in Hamilton is $350,000 and Hamilton also offers a relatively favorable job market.Some Ideas For Affordable Cities In Canada


  1. The Prairies


This region of Canada is comparatively low-priced when considering the rest of the country. This part of the country has a solid economy which is based on agriculture, cattle, and sheep. Being in a rural location, this means that The Prairies has plenty of inventory relative to the number of people living there.


  1. Thunder Bay


This is a small city of just over 100,000 people with plenty of great home prices. It's also a great place to find an income property, being a gateway to the west coast of Canada. Plenty of sectors are booming in Thunder Bay, whether you're looking to work in real estate, accounting, health care, or manufacturing.


  1. London, Ontario


It's named after the big city in the U.K., but this place is known for having an average home price of $265,370 in 2015. This area currently features an unemployment rate of just 6.9%. London itself is a city which operates as it's own separate municipality.


  1. Saguenay, Quebec


The economy of this province is based heavily on research and technology. It's also the home to 3 large industrial parks, and has a rapidly-growing biotechnology/genomics industry. The average home price in this province is just $180,693 as of 2015. Even better, the average annual increase in home values has been steady at just 2.6% per year.


  1. Charlottetown, Prince Edward Island


This province has a population of 34,562 as of 2011, but the average home value is just $163,533 as of 2015. This province has a economy with plenty of government jobs, and has some light manufacturing as well. Chemical companies, biotech companies, and manufacturing companies all call Charlottetown home.


Canada is a great place to look if you want to find the right real estate deal as there are opportunities everywhere. Looking for the right home purchase is just a matter of finding the best place to look. Wherever you would like to live, there is a significant chance that you'll be able to find the best home for you and your family.

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Tips for Buying or selling a home in Canada
Posted on Wed, 15 Nov 2017, 09:20:00 AM  in Home buying tips,  Home selling tips,  My services

Purchasing or selling a house in Canada is a massive undertaking involving the largest financial and lifestyle choices you have ever made. Choosing wisely and procuring a fantastic deal from the present property market in Canada, consider whether it is the right time for you to market, understand what to look for in an open home, know the particulars of negotiating contracts and maintain curiosity about paying your mortgage as quickly as you can. Keep on reading to learn Like many Canadians; it could be tricky to determine whether to sell your house or not. Even in the event that you love your house or condominium, you might have a great reason to sell, particularly if it doesn't satisfy your changing requirements. If one of these characteristics explains your situation, you're most likely ready to proceed. When you've got a job offer in a fantastic place with great possibility for long-term labor, or whether you're prepared to retire and expect for security and reduced maintenance of a retirement area, sell your house makes sense. On the flip side, if the final of those six kids eventually moved out of your seven-room residence, it may be time for you to decrease the size until these decides to split down! Just take some opportunity to assess your financial situation and your individual goals, so it is possible to create a move that's ideal for you. Before you purchase a house in Canada, you wish to understand that the property was well preserved so that you may prevent trouble and hidden costs later on.

Tips for Buying or selling a home in CanadaSome of the most common exemptions at a bidding supply are subject to financing, are subject to review and therefore are subject to purchase. Subject to financing clauses, there isn't much room for discussion. Buyers can't remove this debate clause throughout the bidding / probate procedure unless they may have a lot of funds and don't require a mortgage or require a comparatively small and effortless mortgage. Bear in mind, if the purchaser didn't require a mortgage, then he likely wouldn't have made the deal to fund in the first location.

Notwithstanding the review exemptions are usually contained in a purchaser's offer to purchase a house. As it shouldn't require more than a couple of days to arrange a review, this is a simple negotiating clause. However, since with the funding clause, you may attempt to negotiate a shorter interval to finish the review to speed up things. Unless the sale plan could be negotiated concerning the total amount of time that it provides for your buyers to market your existing home. Any purchaser who already owns a house can probably not afford the price of 2 houses at one moment. Nevertheless, no matter how worried you need to proceed, permit the buyer a fantastic period of time to create a record and market your dwelling. Generally, four or even six months are thought to be fair. Remove the topic of the revenue clause or leave the contract and produce the bid determined. When you get a house in Canada, be sure to understand precisely which items and appliances will be included with your purchase. The following few components of the contract state precisely this, permitting the purchaser and the seller to agree what's going to stay and what is going to occur. If one of these characteristics explains your situation, you're most likely ready to proceed. When you've got a job offer in a fantastic place with great possibility for long-term labor, or whether you're prepared to retire and expect for security and reduced maintenance of a retirement area, sell your house makes sense.

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Foreign Investment and the Strength of Canadian Real Estate
Posted on Sun, 15 Oct 2017, 12:30:00 PM  in Home buying tips,  Home selling tips


Foreign investment in Canadian Real Estate is important to the national economy because it potentially uncouples the domestic labour market from the domestic real estate market. This kind of disconnect, perhaps reminding one of London, UK suggests that citizens could be crowded out of the market and have to pay far more than they should for homeownership and rental services.

Foreign investment is a lively topic. Despite all the discussion, there has not been a lot of information, and some estimates suggest that foreign investment drives the phenomenal price and value history of Canadian Real Estate.

B.C. after the Foreign Investor TaxForeign Investment and the Strength of Canadian Real Estate

In response to the continuing rise in prices and high volumes of sales, the B.C. government imposed a foreign investment tax. The clear intention was to dampen the price and volume of home sales.

There was a backdrop of tremendous amounts of unused housing that belonged to nonresident owners. That high un-occupancy rate stood in the face of high local demand for housing and moderately priced housing.

Ontario after the Cool Down

On April 20, 2017, the Ontario Government imposes a levy on residential real estate transactions for buyers that were neither permanent residents nor citizens. The levy applied to a targeted zone- the Golden Horseshoe region. The levy had the desired effect; within sixty days, the sales volume and average price fell from the year to date comparables.

The government developed an estimate that approximately nine percent of residential transactions involved foreign buyers. Unlike B.C., many of those buyers were immigrants and intended to occupy the units. The GTA market has regained some of the lost action but has not resumed a steep upward climb, and the tax seems to have had the desired effect of slowing the market.

Is the Quebec Boom a Real Estate Novel?

In the movement of the market after Ontario and BC imposed foreign investor taxes, some news reports suggested that Quebec was a new focus for luxury purchases by foreign investors. In 2017, the rate of luxury purchases in Montreal was higher than the one-year comparable.

There is a question whether the numbers support the idea of a boom and particularly a boom fueled by foreign investment. Defining a luxury sale as $1 million or more, the Montreal comparable showed an increase but an overall level quite consistent with the rest of the nation outside of Ontario and B.C.

One commentator view seen in several publications suggest that real estate professionals perceive more than the facts support. They are driving an optimistic narrative and perhaps hoping that the market will follow.

The Underlying Strength

The strength of the Canadian economy is the key to understanding Canadian Real Estate. The contours of the luxury market have a steep foreign investment influence due to Ontario and British Columbia as magnets for foreign investors. The underlying value of Canadian real estate is in the robust and balanced economy.

Canada has managed to do something remarkable; the nation has driven market growth with low-interest mortgages and fully insured the riskier of them. The nation can withstand a complete meltdown of the real estate sector without an unusual level of national debt.

The Canadian government insures mortgages that have 20 percent or less in down payment or cash equity. They do this directly through the Canadian Mortgage and Housing Corporation, and indirectly through the guarantees, it provides to private insurance.

The total is about $500 billion, and if it all came due, Canada would stand tall in the aftermath with a debt to Gross Domestic Product ratio like advanced European nations. Estimates from Moody’s suggest it would rest at 1.05 slightly higher than the USA at .99.

Going Forward

Canadian Real Estate attracts foreign investment because of the strong fundamentals of the nation and its economy. While Canada has issues and social and economic challenges such as the First People’s calls for greater participation, it has a remarkable social and economic cohesion. Canadian Real Estate will likely continue as a bright star in the global market for a haven, investment, and immigration.

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5 Mistakes to Avoid When Shopping
Posted on Tue, 15 Aug 2017, 09:30:00 AM  in Home buying tips
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Purchasing a home is unlike any other experience you'll ever have. This is an investment that can provide considerable returns throughout the years. Whether you're buying a primary residence, a vacation home, or a rental property, however, there are five, critical mistakes that you should be sure to avoid.


1. Not Considering "Walkability"

"Walkability" is a relatively new term in the real estate industry that refers to the accessibility of essential businesses and community features. When looking for a5 mistakes to avoid primary home or a rental property, make sure that building residents will be able to access things like dog parks, hiking trails, a few good shops, and a decent restaurant or two by walking. A high score in this area means that buyers will have a higher likelihood of connecting with their neighbours, fully exploring their neighbourhoods, and remaining in their homes for a significant amount of time.


2. Failing to Account For Potential Changes in Household Dynamics

Be mindful of the fact that your household dynamics could change over time. This is an especially important consideration to make if buying a primary residence that you hope to retain throughout the remainder of your lifetime. Not only do you have to account for the possibility of kids, but you also have to consider the likelihood of having aging parents move in. There are a number of ways in which family dynamics can change and the best homes are sufficiently flexible for accommodating all of these changes. These houses might have attached, in-law units, extra bathrooms, guest bedrooms, or other large-sized spaces that are suitable for conversion. Some properties simply have enough unused space on the overall lot for expanding the primary building.


3. Making an Offer before Consulting With an Agent

With greatly increased access to timely and accurate market information, more consumers are using the web to sidestep the need for real estate agents altogether. Sadly, however, they often do this to their detriment. Not only can an agent guide you through this transaction from end to end, but this professionals is also capable of providing the most current market info and pricing data. As such, when you get ready to enter into negotiations, an agent can make sure that you're not offering too much for a property, or potentially offending a seller by offering far too little.


4. Meeting with Sellers before Lining up Your Funding

In tight markets or markets with fewer properties for sale and lots of qualified prospects who are eager to buy, you definitely want to have your funding lined up before actually pursuing homes. In fact, no matter what the local market conditions may be, consulting with lenders and getting loan approvals should always be among the very first steps that you take. After all, you won't really be able to submit a firm offer on any property until you actually have the funds to back it.


5. Buying before you’re Actually Ready

Another important step to take during the formative stages of the purchasing process is to consult with a financial adviser. You want to make sure that you're actually ready for this commitment, particularly if you've never purchased or owned a home before. An adviser can help you calculate the total costs of ownership. He or she may additionally be able to recommend the best loan types for meeting your long-term financial goals. If this is a decision that you're really ready to make, your financial adviser can even tell you how much you money you should spend, which may be far different from the amount that you're qualified to borrow.

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Maximizing Your Spring Cleaning Results
Posted on Fri, 30 Jun 2017, 02:55:00 PM  in Home buying tips,  Home selling tips

Spring cleaning is one of the country's most esteemed homecare traditions. Every spring, it is a good idea to give the home a quick and simple makeover. Though some people may choose this time to perform some major overhauls on the property, it can be refreshing enough to complete a simple clean and focus on getting the best results. If you are interested in optimizing your spring cleaning, check out some of these quick tips that you can follow to enjoy a newer, fresher home.


Start with the Windows

Maximizing Your Spring Cleaning ResultsYou want the view of your windows to be as good on the outside as it is on the inside. Do not neglect to wash both the interior and the exterior of your windows to make sure that you get the cleanest type of sunlight possible as it enters your home. While you are working around your windows, it can be a good idea to take a look at your curtains as well, replacing them entirely or cleaning the surface for a fresher look.


Keep Metal Surfaces Polished

Stainless steel and copper are among the most common and popular surfacing options both inside and outside the home. In order for you to optimize the way your property looks, it is important for you to give your surfaces a good polish. Use the appropriate cleaners and avoid anything that may result in unnecessary wear, both in the long-term and short-term of your surfaces. Always consult care guides if you are not certain how to proceed.


Fix Up Your Dishwasher

If you have one of these around your house, chances are that it could us a little bit of TLC. These appliances always do their best to make sure that your dishes are kept clean and shiny, so it is never a bad idea to do the same for the dishwasher. Take some of the components apart and perform a deep clean to make sure that there are no unwanted issues inside.


Clean the Refrigerator

On the subject of appliances, it is never a bad idea to give your refrigerator a good clean as well. If you have not done so for a long time, it is not uncommon for food debris and clutter to cause harm to structure and appearance of the fridge. Move some food around and make sure that the surfaces are clean before you replace any of the inside components.


Replace Your Silverware

During the spring, a lot of families like to replace their silverware or give them a brand new shine. If you have older and more tarnished silverware, it can be a good idea to have them looking like new to dazzle guests and freshen up your drawers. Choose silverware that can last as long as you need it too, especially if you plan on having guests over relatively frequently.


Revitalize Wood Floors

Wood flooring systems are renowned for their hardiness and classic, timeless appearance, so it is always a good idea to have them looking clean. Wood floors sometimes need additional cleaning and maintenance because of the material itself. If you are not sure how you should clean your floor, it is a good idea to contact a flooring professional and ask them for their opinion on your surface.


Take Care of the Oven

You want to make sure that your oven is as clean as possible as often as possible. The oven will often have burnt pieces of food around the bottom, which can add an unwanted quality to the food that you cook within. Keep it clean to keep your food tasting fresh every time.

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Common Mistakes When Buying a House
Posted on Thu, 15 Jun 2017, 02:50:00 PM  in Home buying tips

Purchasing a home is a process that many people spend the earlier years of their lives waiting for. Even after they are settled into their first homes, they have plans for larger ones or ones in different locations later on. Due to this excitement, you may become overeager and make some errors. One of the best ways to avoid mistakes is to know what they are in the first place.


Not Using a Real Estate Agent

Common MistakesChances are that you've made many purchases in your life. Therefore, you may assume that you can easily buy a house without the assistance of a professional. The purchase of a home is much different from other buys because you must go through many steps, and you need to ensure that they are done in the correct order. Also, you are spending a significant amount of money on something that you cannot just go to the store and return if you don't like it. As a result, working with someone who can guide you is wise.


Spending All of Your Money

Many people decide to obtain a pre-approval because they seriously get involved in the home-buying process. Once you have your own pre-approval, you will know how much of a house you are permitted to buy. However, that does not mean you should spend that entire sum of money. Consider the fact that you have all of your other bills to account for and that even if you love your new house, you will probably want to go out to explore the neighborhood and what it has to offer. In other words, just because you can afford a certain amount of house on paper does not mean that it is realistically the right decision.


Not Practicing to Pay

Before you buy a house, you should get an idea of how much money you will spend each month on all of your new expenses, such as the mortgage, taxes, electricity and so forth. Prior to making a bid on any house, see if you an actually set that amount of money aside without struggling. In the event that you cannot afford to do so, you must reevaluate how much money you want to spend on a house and if you are even ready to make that purchase at all.


Disregarding Neighborhood

You may have your sights set on a particular style of house or a particular aesthetic and pay little to no attention to the other factors surrounding the purchase. With the right permits, you can make a number of changes to the structure and interior of a house, but you can never change the neighborhood that it's in. Even if you find the house of your dreams, looking into properties is likely wise when it is in an area with high amounts of crime.


Going Too Big

If you are like many people, you are likely enchanted by a prodigious house with all of the trimmings. Remember though that what you want is not always what you need. By purchasing a larger house, many of your bills are going to cost more, and you are going to have more rooms to clean. Of course, with a large family, you may need a large house. On the other hand, when you are purchasing a home for a small family, ask yourself if you really need all of those extra rooms.

Making mistakes when purchasing a house can turn into serious blunders because they are not always so easy to fix. Knowing what errors could arise can help you to have more power in avoiding them.

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