Tag Archives: tips

Cleaning Hack: How to Have Spotless Windows for Months by Blessed Beyond Crazy

large-homeWindows are easy to clean on the inside, but the outside can be a chore, especially this time of year when it rains practically every day.  Do you have a two story home? How often do you want to get out the ladder and clean those windows!

Linda over at BlessedBeyondCrazy.com shares a great tip for keeping the outside windows sparkling clean with an idea her husband came up with. This is so obvious your going to have one of those “why didn’t I think of that” moments. Hint, if it is good enough for a windshield, why not do all the windows in your home…

Get the Cleaning Hack: How to Have Spotless Windows for Months

Thanks Linda!

Tips for Buying A New Home and Homeowners Insurance Coverage

ID-100249012If you are looking to move into a new home, check out these tips first and about Homeowners insurance coverage.

Be realistic about how much you can spend.

Save yourself a lot of time by planning out a budget first. The first thing you need to consider is how much can you afford to spend each month on mortgage, taxes and insurance on your new home. Talk to your bank about a pre approval letter for new home loan so you know exactly what you can spend. Look at the homes in the range you can afford and maybe less. Doing the research yourself will make you more knowledgeable about the market, which is key to making a good purchase.

Online resources and Realtors

Before you get your heart set on a home, call the Realtor on that listing and make sure the information is good. Ask about the roof,  mold, or any other problems that could be there. A Realtor is a great asset to have when searching for a home and as a buyer you do not pay a commission fee. Also check your counties appraisal website and put in the address. It will give you the taxes that were owed the year before and may offer some updates for the current year.

What is the neighborhood like?

If you have had problems with neighbors while renting, that option is you can make a complaint to a landlord, or negotiate your contract and move. Do your homework ahead of time about the location of your new home. It may be beautiful, have the pool you want, and a dream size backyard, but what is the good of that if your up until 3 am because of noisy neighbors. Take a drive out around dinner hour and again maybe later in the evening. Ask others if they know about the neighborhood, break-ins, noise, family oriented, etc.

The Mortgage Company

People tend to go with large, well-known mortgage companies, and that’s fine. Check out the smaller, regional companies as well and see if they can offer you better rates than the big companies.

Always, Always have a home inspection

This is not the same as an appraisal of your home. The appraisal is the value of the home. The home inspection makes sure your home is safe and basically if there are repairs needed.  Your basic Home Owners Policy may cover the dwelling, personal property, liability in case someone gets injured, and storm damage. It will not cover a pre-existing condition such as mold. Make sure you walk through the home with the home inspector and do your homework for what to look out for.

If the home has termites, you will have to consider the amount of money it will take to get the home tented. If the plumbing has to be replaced, a new air conditioner, etc, it will be your responsibility to fix or replace things once the home is purchased. Your home inspector is there to be sure the home is up to your counties code system, so be sure to find out what the county code for homes are in your area.

 

Photo Courtesy of  phasinphoto  at FreeDigitalPhotos.net

Motocross Dirt Bike Fun – Right Gear and Insurance

ID-100113339When choosing Insurance for your off-road motorcycle, you are providing both you and the bike a safety net just as important as the gear you are wearing. Dirt Bike/Motocross are for off-road fun. These bikes are designed for riding on unpaved ground or rough terrain and are not street legal.

A Helmet– This expense is crucial whether you are on road or off-road with your motorcycle.This your most valuable asset. When choosing a helmet make sure you pick quality, its fits properly and is secure every time you ride.

A Neck Brace– Just as important as the helmet. Your getting bumped and jostled just riding over the terrain. We never want to think we are going to go down, but in the event that this happens, with a neck brace, you have protection from serious injury.

Chest / Back Protector– There are many of these available and use of one is highly recommended as a chest / back protector (also advertised as a “Roost Deflector”) can help dissipate the energy generated in a crash and help protect internal organs and other body parts from impact damage when you end up in a yard sale.

Knee Braces– Excellent piece of protection. Everyone who rides a dirt bike should have Knee Braces. Every time you get on that dirt bike you should be wearing these for the same protection you would give to your head and chest.

Boots
– Protect your ankle and foot area, get a pair of good quality boots in place of a standard boot to offer that need protection to your lower leg.

Goggles– Lets face it, your going to be in dirt and mud that slings from other riders when you are competing. Your clear vision can mean a race and your safety. Suggestion: Tear Off goggles that can provide you with the clear vision you need.

Staying Hydrated – is a must and just a critical as the gear you are wearing.

Look into different systems that can carry fluids that are easy to consume.

Always follow the safety rules when riding Motocross/Dirt Bikes and make sure you have the right insurance coverage.

 

 

Photo Courtesy of Toa55. at FreeDigitalPhotos.net