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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 March 25, 2020

How to Live Longer? 21 Ways to Live a Long Life

How to Live Longer? 21 Ways to Live a Long Life

When it comes to living long, genes aren’t everything. Research has revealed a number of simple lifestyle changes you can make that could help to extend your life, and some of them may surprise you.

So, how to live longer? Here are 21 ways to help you live a long life

1. Exercise

It’s no secret that physical activity is good for you. Exercise helps you maintain a healthy body weight and lowers your blood pressure, both of which contribute to heart health and a reduced risk of heart disease–the top worldwide cause of death.

2. Drink in Moderation

I know you’re probably picturing a glass of red wine right now, but recent research suggests that indulging in one to three glasses of any type of alcohol every day may help to increase longevity.[1] Studies have found that heavy drinkers as well as abstainers seem to have a higher risk of early mortality than moderate drinkers.

3. Reduce Stress in Your Life

Stress causes your body to release a hormone called cortisol. At high levels, this hormone can increase blood pressure and cause storage of abdominal fat, both of which can lead to an increased risk of heart disease.

4. Watch Less Television

A 2008 study found that people who watch six hours of television per day will likely die an average of 4.8 years earlier than those who don’t.[2] It also found that, after the age of 25, every hour of television watched decreases life expectancy by 22 minutes.

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Television promotes inactivity and disengagement from the world, both of which can shorten your lifespan.

5. Eat Less Red Meat

Red meat consumption is linked to an increased risk of heart disease and cancer.[3] Swapping out your steaks for healthy proteins, like fish, may help to increase longevity.

If you can’t stand the idea of a steak-free life, reducing your consumption to less than two to three servings a week can still incur health benefits.

6. Don’t Smoke

This isn’t exactly a revelation. As you probably well know, smoking significantly increases your risk of cancer.

7. Socialize

Studies suggest that having social relationships promotes longevity.[4] Although scientists are unsure of the reasons behind this, they speculate that socializing leads to increased self esteem as well as peer pressure to maintain health.

8. Eat Foods Rich in Omega-3 Fatty Acids

Omega-3 fatty acids decrease the risk of heart disease[5] and perhaps even Alzheimer’s disease.[6] Salmon and walnuts are two of the best sources of Omega-3s.

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9. Be Optimistic

Studies suggest that optimists are at a lower risk for heart disease and, generally, live longer than pessimists.[7] Researchers speculate that optimists have a healthier approach to life in general–exercising more, socializing, and actively seeking out medical advice. Thus, their risk of early mortality is lower.

10. Own a Pet

Having a furry-friend leads to decreased stress, increased immunity, and a lessened risk of heart disease.[8] Depending on the type of pet, they can also motivate you to be more active.

11. Drink Coffee

Studies have found a link between coffee consumption and longer life.[9] Although the reasons for this aren’t entirely clear, coffee’s high levels of antioxidants may play a role. Remember, though, drowning your cup of joe in sugar and whipped cream could counter whatever health benefits it may hold.

12. Eat Less

Japan has the longest average lifespan in the world, and the longest lived of the Japanese–the natives of the Ryukyu Islands–stop eating when they’re 80% full. Limiting your calorie intake means lower overall stress on the body.

13. Meditate

Meditation leads to stress reduction and lowered blood pressure.[10] Research suggests that it could also increase the activity of an enzyme associated with longevity.[11]

Taking as little as 15 minutes a day to find your zen can have significant health benefits, and may even extend your life.

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How to meditate? Here’re 8 Meditation Techniques for Complete Beginners

14. Maintain a Healthy Weight

Being overweight puts stress on your cardiovascular system, increasing your risk of heart disease.[12] It may also increase the risk of cancer.[13] Maintaining a healthy weight is important for heart health and living a long and healthy life.

15. Laugh Often

Laughter reduces the levels of stress hormones, like cortisol, in your body. High levels of these hormones can weaken your immune system.

16. Don’t Spend Too Much Time in the Sun

Too much time in the sun can lead to an increased risk of skin cancer. However, sun exposure is an excellent way to increase levels of vitamin D, so soaking up a few rays–perhaps for around 15 minutes a day–can be healthy. The key is moderation.

17. Cook Your Own Food

When you eat at restaurants, you surrender control over your diet. Even salads tend to have a large number of additives, from sugar to saturated fats. Eating at home will enable you to monitor your food intake and ensure a healthy diet.

Take a look at these 14 Healthy Easy Recipes for People on the Go and start to cook your own food.

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18. Eat Mushrooms

Mushrooms are a central ingredient in Dr. Joel Fuhrman’s GOMBS disease fighting diet. They boost the immune system and may even reduce the risk of cancer.[14]

19. Floss

Flossing helps to stave off gum disease, which is linked to an increased risk of cancer.[15]

20. Eat Foods Rich in Antioxidants

Antioxidants fight against the harmful effects of free-radicals, toxins which can cause cell damage and an increased risk of disease when they accumulate in the body. Berries, green tea and broccoli are three excellent sources of antioxidants.

Find out more antiosidants-rich foods here: 13 Delicious Antioxidant Foods That Are Great for Your Health

21. Have Sex

Getting down and dirty two to three times a week can have significant health benefits. Sex burns calories, decreases stress, improves sleep, and may even protect against heart disease.[16] It’s an easy and effective way to get exercise–so love long and prosper!

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Featured photo credit: Sweethearts/Patrick via flickr.com

Reference

[1] Wiley Online Library: Late‐Life Alcohol Consumption and 20‐Year Mortality
[2] BMJ Journals: Television viewing time and reduced life expectancy: a life table analysis
[3] Arch Intern Med.: Red Meat Consumption and Mortality
[4] PLOS Medicine: Social Relationships and Mortality Risk: A Meta-analytic Review
[5] JAMA: Fish and Omega-3 Fatty Acid Intake and Risk of Coronary Heart Disease in Women
[6] NCBI: Effects of Omega‐3 Fatty Acids on Cognitive Function with Aging, Dementia, and Neurological Diseases: Summary
[7] Mayo Clinic Proc: Prediction of all-cause mortality by the Minnesota Multiphasic Personality Inventory Optimism-Pessimism Scale scores: study of a college sample during a 40-year follow-up period.
[8] Med Hypotheses.: Pet ownership protects against the risks and consequences of coronary heart disease.
[9] The New England Journal of Medicine: Association of Coffee Drinking with Total and Cause-Specific Mortality
[10] American Journal of Hypertension: Blood Pressure Response to Transcendental Meditation: A Meta-analysis
[11] Science Direct: Intensive meditation training, immune cell telomerase activity, and psychological mediators
[12] JAMA: The Disease Burden Associated With Overweight and Obesity
[13] JAMA: The Disease Burden Associated With Overweight and Obesity
[14] African Journal of Biotechnology: Anti-cancer effect of polysaccharides isolated from higher basidiomycetes mushrooms
[15] Science Direct: Periodontal disease, tooth loss, and cancer risk in male health professionals: a prospective cohort study
[16] AHA Journals: Sexual Activity and Cardiovascular Disease

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