If you’re planning on designing a new garden, patio or outdoor living space in the future, you’re likely going to work with a landscaper. Aside from the cost of the project, there are some important conversations you should have with your landscaper before they break ground. Here are four questions to start with.
Can I see examples of your work? It’s an error to assume someone will get your design ideas without seeing past examples of their work. They likely have a stack of examples, so all you have to do is ask.
How long will the process take? Make sure to have a clear time window (dates are preferable) so you know how long your landscaper expects the job to take. This will also help hold them accountable should the project run longer.
When will the plants reach maturity, and what will...
Looking to cut your energy costs?
It can take years for a new, more energy-efficient refrigerator or other major appliance to pay for itself in savings on a utility bill. If that’s the path you want to take, this Energy Star calculator can estimate the amount of money saved by replacing an old fridge with a new one. But if you want to see quicker results, here’s how you can save on cash and your energy usage:
Less Hot Water
By lowering the temperature on your water heater to 120 degrees Fahrenheit, you use less energy to heat your water. You can also use less hot water by washing clothes in cold water, and only using the dishwasher when it’s completely full and during off-peak times if your utility company offers lower rates.
Set the Thermostat
The furnace and air conditioners...
The value of your home is influenced by price, time, and market conditions. As your local real estate professional, my goal is to assist you in the determination of the value of your home by giving you current, factual data on the market conditions and the average market time for homes in your area. This infographic will better explain how these three areas impact your home's value.
A cluttered home implies a few things, and none of them are positive in the eyes of a potential buyer:
- The house is too small.
- There must not be enough storage in the house.
- The rooms look unkempt. Maybe the rest of the house has been poorly maintained.
A potential buyer should be able to tour your house and easily imagine their own furniture and possessions in the space. A cluttered atmosphere stymies their imagination and creates an immediate negative impression in their minds.
One of the reasons realtors suggest that you remove personal items like family photographs is for that exact reason. The buyers need to be able to envision themselves living in the rooms they're checking out. If anything, there should be less "stuff" around than you might be comfortable with. Tidy rooms that aren't overcrowded with furniture...
You have spent the last 10 years saving up for the deposit on your dream house. After finally finding what you believe to be the perfect property in a prime location you are now bogged down with the task of finding a mortgage lender in your area. Without the excess funds needed for the cost of the house, finding a mortgage lender is imperative to extend you the credit required to purchase your new home.
Before seeking out financing elsewhere, it is always good to first contact your financial institution and weigh their mortgage options. This should be your initial search for a lender. If your financial institution is not able to provide you with an ideal finance option for your mortgage needs then you may continue to look further. It is good to shop around to compare the rates and fees each bank charges.
There are large national banks here in...
Everybody naturally wants to get the best price possible when thinking about selling their home; but just the fact that it is your home can make you think it's worth more than it actually is. Keeping it well-maintained is a good idea and when updating it's important to weigh your return on investment. In other words, knowing which home improvement projects are going to give you the best return on investment is important. Here's a breakdown of the best home improvements:
1. Bathroom Remodel
For every dollar you spend spiffing up your bathroom, you'll get back all the money you put in, plus 2% for a 102% rate of return. Simple fixes include repainting, re-caulking the tub, removing and replacing old shower doors, and replacing...
It's easy to get caught up on all of the glamorous house-flipping and renovation shows on the cable channels. The shows always portray things as incredibly easy, and it seems like the investors always earn a profit. This is not always the case in real life. Fortunately, there are many ways to invest in real estate. If you're just getting started you may want to consider some of the following options.
1. A REIT, or real estate investment trust. The corporation or trust that manages the REIT uses investors' money to buy and manage properties. This is a great way to invest in commercial properties or apartment buildings -- the kind of properties that are usually out of reach for a beginning investor. Plus, the REIT already has a management team in place so you don't have to do all of the hard work yourself. REITs are ideal for stock market investors who want a fairly...
One out of every 200 homes will be foreclosed upon, according to the Mortgage Bankers Association. Foreclosure is a traumatic experience that no family should have to experience. It contributes to depression and marital problems, and causes distress among family members. Many homeowners report they even avoided their lenders out of embarrassment during financial struggles. You may not be able to prevent job loss, but there are some things you can do to save your home from foreclosure.
- Call the lender. Let them know that you are having financial trouble before you miss a payment. There are ways they can work with you to avoid foreclosure. They don't want to own your home, but they need you to help yourself so they can help you.
- Check your terms to see if you have any coverage for your situation. For example, the Home Affordable Unemployment...
Buying a home takes a lot of work. There's the budgeting, the finding a realtor, the searching and the getting of the loan. Not to mention figuring out if the home needs renovations, or how much it's going to cost to actually move in. Sometimes it seems as though the to-do list involved just never ends and the last thing you want is for something unexpected to pop up once you're in your new home.
Ask before you buy. Don't let surprises ruin the joy of owning a home, whether it's your first, second, third or even tenth. Here are five usually forgotten things to ask when you're looking at potential homes.
- What are the taxes involved? If you've done your budgeting, than you know how much you can spend on a house payment every month. Don't, however, forget about the taxes on the land. Be sure to ask, as every house has a different tax amount, before...
As you're unpacking boxes and arranging furniture, hunger is likely to strike. Since you might not have your refrigerator or pantry stocked full of food quite yet, we thought we would recommend a few great restaurants in Omaha.
Spaghetti Works Restaurant - Located in the center of Old Market, this restaurant offers diners a unique dining experience as it's housed inside a restored warehouse. Its menu offers something for just about everyone with choices such as Cajun Shrimp Alfredo, Eggplant Parmesan, and Lasagna. This is a place everyone can find something to eat.
Block 16 - Block 16 is known for its farm to table street food. The owners met in Metropolitan Community College's Culinary...