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6 Steps to Take the Day You Buy Your First Home

6 Steps to Take the Day You Buy Your First Home

Buying a home is a big responsibility, financially and for many other easons. It is easily the single biggest expense in life for most people, and it may not be the only home you ever own. There are scores of things that you need to get done in order to prepare a down payment, secure a mortgage, and purchase the home of your dreams, but the work is not done the day you sign on the dotted line or get handed the keys. Here are six things you should get done the day you buy your first home.

1. Take pictures.

You will want them to remember what your house looked like the day you took ownership, and you may need them for an insurance claim later on. Digital cameras mean you can take a lot of pictures without having to worry about the cost of developing film. However, you may want to print out an 8 by 10 of how your house looked the day you bought it.

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Store the rest of the images in the cloud or on digital media. Realize that even flash drives do not hold data forever. Degradation of the digital data on a flash drive takes years, but it does happen. Shooting some video of the inside and outside of your home with a narrative will be fun to view years from now too.

2. Confirm your insurance.

Look over the fine print of policies. Contact your insurance agent to make sure all paperwork has been filled. Buying a house is a hectic time. Make sure your actual coverage is in step with the market value of the house as well as what is owed on the mortgage. Reassess the coverage after moving in with your possessions. Do you have too little, too much, or just the right coverage for the contents? You want adequate insurance coverage, but you do not want to pay excessive premiums.

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3. Change the locks.

Whether you do it yourself or hire a locksmith, make sure the door locks on your home are changed the day you take possession of it. You have no idea who the previous owner has given copies of the keys to. It is better to be safe than sorry when it comes to home security. The home is now yours. No one who was granted access before has that right now, and the best way to control access is to change the locks. Do not forget to have the locks changed on outbuildings too. New door locks can all be keyed to open with one key. Specialty keyed locks may offer more security than mass-produced models.

4. Get a security system.

The FBI Uniform Crime Report statistics indicate that there were 1,729,806 burglaries in the United States for 2014. That is about one burglary every two seconds of homes and businesses. Home security systems act as an early warning system and a deterrent. Criminals do not want to get caught, and they choose easier targets than homes with alarm systems. Plus, fire and carbon monoxide detection tied to a central monitoring station can send help whether you are home or away, and also if you or your family is incapacitated.

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5. Check your utilities.

It is easy to tell if the electricity is on, but it is more difficult in some homes to determine if the natural gas is on or if propane is available. Also, it is important to check your water heater. It may have been turned off or turned to its lowest setting to save energy while the house is unoccupied.

If you do not have a gas stove but have gas heat, turn the furnace on and listen for the flame to start. Check the temperature setting on the water heater. If you do not know how to check for a lit pilot light on a tank water heater, just run the hot water for five minutes and listen for the flame to start at the water tank. If it does not, have it checked.

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6. Look over home guarantee policies.

Within a few days of living in your new home, you may discover things that need fixed that neither you nor your home inspection expert noticed. Homes that have been unoccupied for a time may develop slow drain issues. The sewer systems of unoccupied homes dry out. Sludge in the drains can harden to a plaster-like consistency. As you begin to flush solids down the dry drains, build up may cause slow drains or clogs. This can especially be a problem in homes that have terracotta drains.

After a few months, a lot of homeowners start to develop a nervousness as they realize that something could break and cost them a lot of money that they simply don’t have. I use a home warranty in order to better budget and not have to worry about large repairs breaking the bank around the holidays.

Your new home is going to quickly become your castle and family place of comfort, safety, and refuge. However, it is practically inevitable that there will be some issues, quirks, and other things you notice about your new home after you move in. Every home has its own sounds and peculiarities that can be irritating or endearing. Some have never forgotten the sound of a noisy water pipe, a cozy sunny spot, or even that cold drafty spot in a home they have lived in. Enjoy your new home and all it has to offer.

Featured photo credit: https://pixabay.com via pixabay.com

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Last Updated on February 11, 2021

The 20 Most Creative Instagram Accounts That Will Inspire You

The 20 Most Creative Instagram Accounts That Will Inspire You

Instagram allows you to see exactly what inspires people and how creativity is drawn from their everyday life. We use Instagram to capture what makes us smile, what brings joy to our life, and what we are passionate about, and the accounts listed below are sure to inspire you in turn.

Here are our 20 top creative Instagram accounts that you should be following today.

1. Humans Of New York

Brandon Stanton walks the streets of New York City taking street photography, and he gets his subjects to open up about life details that even many family members may not know about them. It makes you smile and connect with the images at a new level.

 2.  Paris in Four Months

Carin Olsson moved to Paris and is documenting every part of her experience, from the macaroons to the Eiffel Tower with all of its shimmering lights. If you want to go to Paris but can’t get there today, Carin will take you.

3. Civilized Caveman Cooking

George Bryant offers up more than his love for cooking Paleo cuisine as he shares more about life, joy, and happiness. His coined hashtag is #hugsandbacon.

4. Andrew Knapp

Andrew has taken the world by storm with his adorable version of Where’s Waldo? His version is Find Momo, and stars his border collie.

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5. Idafrosk

Ida Skivenes has developed a knack for food art. From the world of Charlie and the Chocolate Factory to Strawberry Fields Forever, she has recreated it all with food.

6. GrandmaBetty33

Grandma Betty is fighting cancer and is inspiring others to smile and be happy in life. She brings a smile to your face instantly and is like having your grandma right beside you.

7. Maya_on_the_Move

Tania Ahsan captures the world of her cute bulldog, Maya, on her adventures in New York. Maya makes appearances that will make you smile, laugh, and inspire you to go out and create something special.

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8. Leoleoparis

Leo captures the life on the streets of Paris. Most of his work is done in black and white, offering that iconic Parisian look.

9. Jacob Santiago

Jacob Santiago creates stunning, vibrant images around New York City, showcasing the architecture and streets. I’m sure you haven’t seen the streets of NYC like this before.

10. Julie’s Kitchen

Julie Lee showcases how everyday produce can create colorful art designs. At first glance, you think it is just a design; then, a second take illustrates that it is really fruits and vegetables.

11. iloveplaymo

iloveplaymo brings together photography and Playmobil toys in action. The images are up to date with current world events and everyday life.

12. “Red” Hong Yi

Red Hong Yi loves to paint without a paintbrush. Her style uses daily items to create lovely images.

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13. Alexis Diaz

A breathtaking artist from Puerto Rico who loves to paint murals. Alexis’s work is featured all over the world.

14. Murad Osmann

Murad Osmann is a music video producer, but his claim to fame on Instagram has been his photographs with his girlfriend leading him by her hand.

15. Simone Bramate

Simone Bramate is a storyteller who just so happens to take delightful photos as well.

16. Willie Kessel

Willie Kessel brings beach life right to your smartphone. Amazing surf and lifestyle images that take your mind off of all of the work and stress in your life.

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17. Nick Ulivieri

Nick Ulivieri is a talented photographer who loves to capture the windy city of Chicago and skies, especially during storms. His images are gorgeous and make you realize how wonderful life really is.

18. Jo Jerry

Jo Jerry’s landscape photos around Santorini, Greece, make you want to book a flight immediately. The bright colors and simplicity in the images make his photos stand out from the rest.

19. GoPro

GoPro uses fan-sourced images on their account that are all captured with a GoPro. Creativity to the max is used in these images and range from the grocery store to incredible surf.

20. Vin Farrell

Vin Farrell is a creative who works on the agency side for large clients and has a knack for photography. His iPhone captures amazing aerial images around NYC and the world.

Featured photo credit: Andy via flickr.com

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