If you have allergies at home, you’re hosting allergens with specific needs. If those pollutants could write classified ads, here’s what they’d want.
DUST MITES in need of a cozy mattress. Please, no dust mite-proof covers (we can’t hack latex mattresses or silk bedding, either). Bedding and comforters must be rarely washed. Absolutely NO water heaters set above 130 degrees -- we’d be goners. Prefer natural materials for hanging out -- no synthetics or air purifiers with HEPA (high-efficiency particulate air) filters, please, as we find them inhospitable.
POLLEN wants airy home with windows and doors frequently left open. Prefer windows where mold and condensation are never
Remodeling can be chaotic, cluttered, sawdusty, noisy, costly, and stressful. So can marriage. Here’s how to keep your marriage from ending up in the Dumpster.
“Building or remodeling a home can be about the most stressful activity a married couple can engage in,” says Dr. Don Gilbert, a marriage counselor in West Des Moines, Iowa.
“It has all the components that couples stress over -- money, multiple decisions, and different preferences. In fact, there are so many opportunities for relationship stress during remodeling that it brings out in each person the weaknesses they may have in communication and conflict management.”
Eventually your buyers are going to conduct an inspection. You may as well know what they are going to find by getting there first. The author points out that having an inspection performed ahead of time helps in many other ways:
It allows you to see your home through the eyes of a critical third-party. It helps you to price your home realistically.
It permits you to make repairs ahead of time so that ... Defects won't become negotiating stumbling blocks later.
There is no delay in obtaining the Use and Occupancy permit.
You have the time to get reasonably priced contractors or make the repairs yourself, if qualified.
It may encourage the buyer to waive the inspection contingency.
Understand which mortgage loan is best for you so your budget is not stretched too thin.
The basics of mortgage financing
The most important features of your mortgage loan are its term and interest rate. Mortgages typically come in 15-, 20-, 30- or 40-year lengths. The longer the term, the lower your monthly payment. However, the tradeoff for a lower payment is that the longer the life of your loan, the more interest you’ll pay.
Mortgage interest rates generally come in two flavors: fixed and adjustable. A fixed rate allows you to lock in your interest rate for the entire mortgage term. That’s attractive if you’re risk-averse, on a fixed income, or when
4 Tips to Determine How Much Mortgage You Can Afford
By: G. M. Filisko
Published: March 11, 2010
By knowing how much mortgage you can handle, you can ensure that home ownership will fit in your budget.
1. The general rule of mortgage affordability
As a rule of thumb, you can typically afford a home priced two to three times your gross income. If you earn $100,000, you can typically afford a home between $200,000 and $300,000.
To understand how that rule applies to your particular financial situation, prepare a family budget and list all the costs of homeownership, like property taxes, insurance, maintenance, utilities, and community association fees, if applicable, as well as costs specific to your family, such as day care costs.