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5 Common Mistakes to Avoid While Buying a House

5 Common Mistakes to Avoid While Buying a House

Buying a new house is a huge step, so it is important that you make your decision very carefully. Small mistakes and ignorance can cost you a lot. If you are not careful, buying a new home can become profoundly exhausting and scary, instead of exciting. It is a massive financial investment so make sure that you avoid any mistakes that can harm or halt your investment.

Here are some of the errors that can be very costly and shatter your dreams of buying a new home so make sure that you avoid them.

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1. Not Having a Clear Budget

The right budget is not what banks think you can afford to pay. It is possible that you are not comfortable with spending that much money. Having a very clear budget in your mind is important. Do not rely on the bank to tell you how much you can afford to spend. Create your budget by listing all the monthly expenses, include the rent in it, cost of using vehicles, loan payments if you have any, payments of credit cards, insurances, savings, etc. Subtract this amount from the take-home pay and you will know the exact sum of money you can afford to spend.

By knowing the exact budget, you will be able to hunt for houses that are within your price range. By not knowing the budget you will waste your time on properties that you cannot afford. It is possible that you end up investing in a place that you cannot afford. This can cause a lot of financial problems for you.

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2. Skipping the Qualification of Mortgage

Before you make an offer on a home, it is important that you have a pre-approved loan. You should know whether you qualify for a loan or not. Every loan has its requirements, for example, if you are applying for a reverse mortgage, you should have all the reverse mortgage information. It is important that the money the bank is lending you matches with the offer you are making for a house. The bank can reject or decrease the loan if you have poor credit or unstable income which can cause problems if you have already made an offer.

It is important to be careful even if you have a pre-approved mortgage as it is possible for it to fall through because of any significant change in the credit score. If the deal falls through, you will have to forfeit a lot of money, and it can be a major financial setback.

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3. Not Considering Added and Hidden Costs

Buying a house is not as simple as it looks. There are so many things that you have to consider. It is not just a simple act of moving from rent payments to paying the mortgage. There is the closing cost, insurance of homeowners, property taxes and the homeowner’s association fee. Most of the home buyers have all the major costs in mind, but they fail to consider hidden costs such as the maintenance cost. It is possible that when the added and hidden costs are included, the house becomes over budget. That is why it is important never to forget the hidden costs.

You can get an estimate of the whole cost by asking about average maintenance, a cost of insurance, taxes, etc. Add them to the monthly mortgage to know exactly how much the house will cost you.

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4. Skipping the Down Payment

Always keep the financial housing crisis in 2008 in mind, as one of its causes was giving mortgages to buyers who were unable to pay the down payments. When you skip one of the payments, it means that the mortgage payment gets higher along with the interest payment. Then the expenses will also increase because you need to pay insurance until at least twenty percent of the house is paid off.

5. Not Inspecting the Interiors

Do not spend your money by looking at the exterior of the house. It is possible that the most beautiful house can become a nightmare for you. It is not cost-effective to get stuck with the trouble of spending on unexpected repairs. Always take on the opportunity to inspect the interior of the house. It will help in seeing the actual state of the house.

While making your purchase makes sure that you do not make any of the above mistakes. If you manage to avoid these errors, then you will easily buy the best house within your budget.

Featured photo credit: US News Money via media1.fdncms.com

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Published on June 29, 2020

8 Best Air Purifiers for a Healthy Home

8 Best Air Purifiers for a Healthy Home

Whether you suffer from allergies, have pet friends, or live in a climate where bacteria thrive, the best air purifier will make sure that your home’s air is clean and fresh at all times. We all clean our houses regularly, but it is easy to look over the most important element in our homes, apart from the surfaces, and that’s air. Thanks to the best air purifier, the air in your home will be more breathable and cleaner.

Why You Should Trust Us

If you are looking for which best air purifier is for you, we here at Lifehack have put in the time and effort to find it. There are so many to pick and choose from, so we sifted through dozens to find purifiers suitable for many people.

For these air purifier reviews, we will be suggesting home filters based on three criteria:

  • CADR: The rating that’s used to determine an air purifier’s effectiveness.
  • Room Size: The area that an air purifier takes up in a room.
  • Noise: How loud and distracting it can get.

With these in mind, here are the suggestions for the best air purifiers you can get.

1. Winix 5500-2 Air Purifier

    If you’re looking for an ozone air purifier, this is a solid option. The HEPA filter is capable of capturing up to 99.97% of airborne pollutants, dust mites, and more. The filters provided are able to be washed, and the air purifier has a CADR of 360 square feet. It’s suitable for kitchens and medium to large bedrooms or living spaces.

    That said, the air purifier does have some issues with the sensor, particularly in the auto mode. You’re also stuck with the color of this air purifier as is: black.

    Buy this Air Purifier!

    2. Blueair Blue Pure 211+ Air Purifier

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      When considering an alternative, we suggest Blueair’s air purifier. It’s an air purifier that addresses allergies and is safe for pets. It’s able to capture 99% of airborne pollutants and is capable of filtering odors from smoking, pets, cooking, and wildfires. Even the sound it makes isn’t loud. The lowest setting is a sound equivalent to a whisper, and the highest is a sound equivalent to rainfall.

      One downside is the fact this filter is relatively small and is meant to be stationed on the floor. It’s about as tall as a small child, so it’s easy for children to stick their fingers or other objects into the air cleaner. Also, considering the size, it’s not built to handle larger rooms unless you get multiple. Even then, customers noted that the sound could be irritating when using multiple filters in a room.

      Buy this Air Purifier!

      3. Hathaspace Smart True HEPA Air Purifier

        For the best air purifier for your money, the Hathaspace air purifier is a good option. It allows you to adjust settings manually and works well as an air purification system capable of capturing 99.97% of air pollutants, gas, and more. It also comes with a 2-year warranty, so it’s not as risky as other brands that may only have a month or three-month warranty.

        That said, many customers noted that it’s not good at keeping back odors as much. The air purifier has a tendency to shut off when the air quality is good, regardless of if the room smells bad.

        Buy this Air Purifier!

        4. GENIANI Home Air Purifier

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          The air purifier from Geniani is another solid option for those looking to fight off allergies and want efficiency in their air purifier. The air cleanser comes with a 2-year warranty and is known for its power while still remaining quiet. You can choose between three speeds, and it even has a nightlight option, too.

          All in all, it’s a great product, though people struggled a little bit with the nightlight option. The light is a little too bright when it’s in the dark, making it disruptive if you’re the type of person who prefers completely dark rooms when sleeping.

          Buy this Air Purifier!

          5. Honeywell HFD-120-Q QuietClean Oscillating Air Purifier

            Another consideration for air purifier home use is Honeywell’s air purifier. One of the big perks from this air cleanser is that the three filters are able to be washed and used permanently, saving you the struggle of buying additional filters. The company also provides replacement filters should the filters perform poorly or get worn down. Beyond that, it’s capable of capturing 99% of air pollutants and is energy efficient, too.

            The air purifier itself is quiet, however, and if you allow it to swivel, the parts themselves could make a loud squeaking sound after a while. It’s also not as strong as other air purifiers around, with customers noting that a ceiling fan may be better.

            Buy this Air Purifier!

            6. PARTU Air Purifier

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              Another cheap option is the PARTU air purifier. Some of the main selling points is that it has an ultra-silent sleep mode, a 4-step filtration process, and serves as a night light thanks to the color ring on it.

              Similar to other small filters, this filter isn’t going to be very strong. Furthermore, many customers noted that the filter emitted a sweet scent from it after a while.

              Buy this Air Purifier!

              7. LEVOIT Air Purifier

                The LEVOIT air purifier is a compact air cleaner that actually is actually quite strong for its size. Its CADR is high enough it can cover a 219 square foot space. And although it’s strong, it’s designed to make minimal noise. Pair that up with it being ozone-free and energy-efficient, and you have a solid air cleaner.

                However, like most other air filters you’ll find, it is good at cleaning the air but isn’t as strong when dealing with odors in particular. Furthermore, despite its strength, it struggles to handle larger rooms, making it more suitable for small rooms.

                Buy this Air Purifier!

                8. Coway White HEPA Air Purifier

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                  The final filter that we have found is this one from Coway. It’s designed to handle room sizes of up to 361 square feet, offers a 4-stage filtration system, and also has an eco-mode to conserve energy when it’s done filtering.

                  One of the largest criticisms for this air purifier is that the fan settings range widely from the noise pollution. Some customers compared the settings between 2 and 3 to a weaker version of the 1st setting (barely making a sound) to a jet engine starting up. Some people also noted that the air purifier tends to wobble and shake, too.

                  Buy this Air Purifier!

                  FAQ

                  Q: Do air purifiers really work?
                  A: In short, yes. An air purifier consists of one filter (or more) and a fan that pulls in and circulates the air. Exactly like water filters, the idea is that the home air purifiers will capture all of the pollutants and particles before pushing out the rest of the air.

                  As for the filters, depending on the brand, you’ll have different kinds of filters. Filters can be made of paper, fiberglass, or mesh.

                  So long as you are taking care of the air purifier by replacing the filters on occasion, an air purifier should work smoothly and without any major issues.

                  Q: Can HEPA Air Purifiers prevent Covid-19?
                  A: Unfortunately, there is no air purifier that can do anything to prevent or kill the coronavirus. As mentioned above, air purifiers focus on collecting particles and pollutants. 

                  As such, an air purifier, HEPA or any air cleaner, can capture the virus, but the virus will be able to live within the filter for a period of time.

                  Final Thoughts

                  The market is filled with all kinds of air purifiers, and overall, many of them are capable of handling air quality. That said, there may be slight issues depending on what you’re looking for. No matter the case, you are taking the risk of potentially getting a purifier that may run into issues with smells or making too much noise. It’s part of the territory it seems. However, any one of the above air purifiers will help clean up the air and leave your house at least a little fresher. 

                  More Tips on Improving Air Quality

                  Featured photo credit: Progressive Insurance via unsplash.com

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