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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 January 17, 2019

8 Simple Mindfulness Exercises to Bring Peace and Happiness to Your Life

8 Simple Mindfulness Exercises to Bring Peace and Happiness to Your Life

In life, we all need to be conscientious of what we are doing. You don’t need to live a life of stress if you don’t want to. You can achieve peace and happiness in life by carefully building mindfulness exercises into your life’s routine.

Exercising mindfulness isn’t rocket science and as importantly, you can do it. It will, however, take a few tries to get into the groove of things but once you get it, it is like riding a bike, you will never lose it.

Trust me. It’s in your best interest to learn and put these mindfulness exercises into practice. In this article, I will share with you 8 mindfulness exercises that will help you to boost your energy, vitality and live a more peaceful and happier life.

Why Is It Hard to Live A Peaceful And Happy Life?

Our Habitat Has Become Too Technological

The world has accepted the idea that technology is often the cure for all evil. We have accepted, as a society, that everything technological will make us live a better life without fully investigating the many side effects that modernity brings.

There are a number of technological side effects that have a tremendous impact on your life that the media rarely tells you about.[1] Some of them include self-harm, economic inequality, having less sex, and even suicide. The global community is becoming less happy because of technology.

How can anybody live a peaceful and happy life when they are depressed? Technology advancements, ladies and gents, is a major reason for why we are living a poor life because it has infiltrated our lives too much.

According to my research, Americans spend an average of 8 hours a day looking at the computer screen — The average screen time spent on smartphones alone is about 20 hours per week. That’s a lot! No wonder why living a happy and peaceful life is so difficult these days.

Too Many People Don’t Want to Unplug

Americans check their phones an average of 80 times during vacation.[2] Some admit to checking their smartphones 300 times every single day. In countries like Brazil, India and China, the situation is no different.

The reality is that people are constantly plugged into technological devices and this behavior is literally making people all over the globe fight an inner war with themselves, which consequently makes them very sad. As we know, war is the enemy of peace which won’t make anybody happy.

Listen carefully:

We have a global anxiety epidemic because people don’t want to unplug from their smartphones and most people aren’t doing anything to fix it. It is a sad state of affairs but very real. This obsession with technology is turning us into perishable robots who live terrible lives.

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The era of anxiety is here to stay. There is little doubt about it. We can, however, fight back with the best remedy of all — We call it mindfulness!

Thank God there is an antidote to this whole technological madness. Without further ado, let’s go straight to the mindful exercises.

8 Mindfulness Exercises to Start Practicing

There are tons of mindfulness exercises available for you to engage with out there.[3] In the paragraphs below, I will include the best ones I’ve personally tried or have seen my close friends and family members try.

Are you ready for it? Let’s go!

1. Pray Daily

You should pray on a daily basis. Why is that you may ask — Well, because science has told us to do so.

When people pray, they feel peaceful, almost eliminating anxiety. Worries become secondary, and often gives people energy and hope to cope with the difficulties of life.

Prayer can make you more confident and focused. Prayer also helps you with self-control, helps to control pain, and can protect you against illnesses and disorders like cancer and high blood pressure. At least, this is what researchers from Harvard Medical School have said.[4]

Pray. You won’t regret it.[5]

2. Pay Attention to Your Inner Thoughts

A lot of people allow themselves to be influenced by their negative thoughts. Be different and resist believing in them. It is a bad habit that can lead to unhappiness.

By the way, if you do feel this way, chances are high that somebody other than you put these thoughts into your head.

Here is my secret to combat this cancer — look at things objectively. I bet that if you look at things as they are, you will realize that most if not all of your negative thoughts are only inside of your head.

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If you pay close attention, you will quickly realize that these voices aren’t worth your time. Believe me — Ignoring them and looking at things with objectivity is often the best course of action.

This article can guide you to beat negative thoughts:

How to Stop Automatic Negative Thoughts When You’re Overwhelmed

3. Smile Often

Smiling will slow down your heart. It will also relax your body because when you smile, your body releases endorphins which in itself has a number of positive benefits for you as a person.

Smile often! You may want to smile early in the morning, during the day, and late in the evening. It is amazing what happens to you when you decide to smile instead of being grumpy.

Surrender your problems to a nice smile. You will notice two things. First, most people just don’t which makes them live a miserable life. Second, if you decide to smile often, you will eventually smile unconsciously which is the ideal.

The moment that you smile unconsciously, you then know that you are truly happy.

4. Organize Your Working Desk

A messy desk will make you less productive and can agitate and overstimulate you. You don’t want that.

When you clear your desk, you engage in deep inner-thinking and your systematic decision making ends up becoming therapeutic.

Most people realize that they are most creative when their creative space is clean and organized. The former often makes people more aware of what they are doing which lends to less stress and more productivity.

Organizing your desk will also make you more energetic and focused because order often decreases chaos which is a condition that often slows down daily progress.

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5. Celebrate Your Friend’s Victories

I love this mindful exercise. One of the best ways to live a happy and peaceful life is to celebrate the victories of others. When you do that, you automatically make your friends in a better mood which makes you in a better mood, as well.

Happiness is contagious! We might as well celebrate others as much as we can. If you find out that your peer has won an award, celebrate with him! If your friend is the recipient of a local charity award, celebrate with her!

What is also awesome is that when you celebrate with others, they often celebrate with you in return. This, ladies and gentleman, will make you feel fantastic. You can’t go wrong with this one, period.

6. Listen to Your Spouse/Partner

God put someone in your life for a reason. You might as well listen to him or her.

I listen to my wife everyday. In fact, I often ask the following question to her, “Amanda, what are your thoughts about…” or “What am I missing about…” It is shocking what I hear back from her. Without her having much context and perspective, by the art of observation in my own nonverbal behavior and the behavior of others, she accurately gives me incredible insights which helps me out with living my life to the fullest.

I’m a firm believer that spouses are supposed to engage in interpersonal communication every day. I most definitely do and will continue doing it. You should do the same.

7. Give Yourself a Break from Technology

You can’t be in total equilibrium if your computerized devices control your life. You must get away from technology on a daily basis.[6]

How do you do that? This is my formula:

First, take this smartphone control test. It is only ten questions but this test will place you somewhere in the human robot cycle continuum.

If your score is between 25-30, take a break from the computer (or smartphone, pad, laptop/desktop) every twenty minutes and stop being on a computerized device after 8:00pm.

If you score between 30-35, still take a break every 20 minutes but stop being on these devices at 5:00pm.

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If you score more than 35, you need to take action immediately.

Limit computer use as much as possible throughout the day. Give yourself as many breaks from the computer as possible. Are you ready for the challenge?

8. Go Exercise

Go exercise at least three times a week. I don’t care if you need to workout early in the morning, late in the evening, on the weekends or during work days. Working out is absolutely imperative for you to live happy and peaceful life.

The stresses of the modern world are too much for you to neglect this important mindfulness exercise. When you go to the gym, you burn calories, focus on activities one step at a time, your mind relaxes, anxiety decreases, you sweat and often think about topics unrelated to your work place among many other benefits.

You must exercise at least three hours each week for optimum results. Why? Just take a look at all the benefits of regular exercising:

12 Benefits of Regular Exercise You Should Know

The Bottom Line

It’s in your best interest to learn and put these mindfulness exercises into practice. Now that our habitat has become too technological and many people just don’t want to unplug, engaging in daily prayer, celebrate your friends’ victories, and listening to your spouse are among the best ways to be mindful about what you are doing and how you are living.

It is possible to live a happy and peaceful life. It only depends on you.

Go exercise! Take a break from technology and invest in you! Life is too short for distractions.

More Resources About Mindfulness

Featured photo credit: Lesly Juarez via unsplash.com

Reference

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