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What You Need to Know Before Buying a Home

What You Need to Know Before Buying a Home

House hunting can be tough. You may spend endless weeks or even months searching for that perfect home you are envisioning. When you do find it, your first impulse might be to jump right in and sign on the dotted line. After all, you don’t want to lose out to another buyer. However, before you take that plunge, here are 14 important things to do in order to ensure your dream home doesn’t turn into the stuff of nightmares.

1. Research the Neighborhood

Find out all you can about your new neighborhood online. Search government websites, tourism agencies, and any community forums or blogs. These places will let you know what’s going on in the community, what development is planned, and if any festivals or celebrations are in the works.

You’ll also want to check crime reports before moving in. Try the local police station for crime statistics, or try your search online. There are websites, such as CrimeReports, where you can find specific information linked to an address or a ZIP code.

neighborhood
    2. Know Your Loans

    Before you agree to a mortgage loan, make sure you know exactly what you’re getting into. Do you want a fixed rate or adjustable rate loan? What will your monthly payment amount be? Do you want it for 15 or 30 years? Are there any penalty fees, such as for early repayment? What will your closing costs be? Make sure you understand all these points before signing.

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    3. Take a Test Drive

    Sure, traffic may be light on the weekends when you’re visiting the home, but what will your workday commute be like? In order to avoid any unpleasant surprises, take a drive during rush hour to see exactly how much traffic there is and how long your commute will be.

    commute
      4. Check the Schools

      Be sure to check and see if your home is located in a good school district. You can check school district performance at GreatSchools. A school district that consistently performs well will help your home retain its value, so it’s important to look into this whether you have children or not.

      5. Get It in Writing

      Make sure your real estate agent includes everything that’s necessary in your offer – your price, finance terms, if you want the seller to assist with closing costs, a home-inspection contingency, what appliances will stay, closing date, etc. Read your offer carefully, and be sure to read anything you receive from the seller just as carefully before signing anything.

      6. Get a Home Inspection

      It’s vital to schedule a home inspection before agreeing to purchase a home. You need to know if the house is structurally sound, if any repairs are required and how much they would cost. You can request that the seller pay for any necessary repairs, in whole or in part.

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      If the home has a well, make sure the water has been tested. You should also check the tap water quality to see if you would need to put in a water purification system if you moved in.

      7. Get Full Disclosure

      Demand full disclosure from the sellers on any issues the home may have had. Were any major repairs ever required? Is there a history of termites? Have there been issues with water damage or mold? If the home was built before 1978, was lead-based paint used? Is the home at risk for natural disasters, like flooding, earthquakes or tornadoes? Has anyone died in the house or were any crimes committed there? These are all things you are entitled to know.

      8. Visit at Different Times

      Be sure to visit the house on weekends, weekdays and weeknights in order to see how quiet or noisy the neighborhood is. Are there loud weekend parties at the house next door? Does a train a few miles away honk their horn every Saturday morning when passing? It’s better to know these things in advance and avoid any unpleasant surprises.

      house at night
        9. Know Your Taxes and Other Fees

        Keep in mind that your mortgage will include much more than just your principal and interest payment. You will also need to figure in your tax and insurance payments. If you must join a homeowner association, know the fees. Also, don’t forget to include your utility bills to your list of monthly expenses. It all adds up.

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        10. Check Out Amenities

        Research amenities that are near your new home, such as parks, pools and golf courses. Will you be able to walk there? How long will you have to drive? It would be nice to know if a playground is nearby if you have children, or if the library is a mere five-minute drive away.

        park
          11. Find Out Where the Sun Hits

          This may not be something you’d usually think about, but it can be important, especially if you love having the sun wake you up in the mornings. Be sure to have windows facing east and west so you can have natural light the majority of the day.

          12. Be Neighborly

          Talk to neighbors to get a good feel for the neighborhood in general and the people you’ll be living near in particular. They can clue you in on fun events, like neighborhood garage sales, or on any problem neighbors, like the grumpy old lady who doesn’t like kids. (This is also a great time to ask about that train!)

          13. Figure in the Cost of Furniture

          If you’re moving from a tiny apartment to a large, single-family home, you will need to buy furniture. If you haven’t been shopping lately, you may be in for a rude surprise when you see those price tags. Try visiting flea markets and garage sales, or try a website like Freecycle, where people go to unload items they no longer want for free.

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          14. Consider Your Future

          Buying a home is a huge investment, and you’ll likely want to stay put for a while. Make sure the house will fit your future needs, whether you plan to have children, retire or face any other major life changes. Make sure the house works for you now and later.

          With this information at hand, you should be able to find the perfect house, in a great neighborhood, for you.

          Featured photo credit: Charles L via unsplash.com

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          Last Updated on August 20, 2019

          How to Control Your Thoughts and Be the Master of Your Mind

          How to Control Your Thoughts and Be the Master of Your Mind

          Your mind is the most powerful tool you have for the creation of good in your life, but if not used correctly, can also be the most destructive force in your life.

          Your mind, more specifically, your thoughts, affect your perception and therefore, your interpretation of reality. (And here’s Why Your Perception Is Your Reality.)

          I have heard that the average person thinks around 70,000 thoughts a day. That’s a lot, especially if they are unproductive, self-abusive and just a general waste of energy.

          You can let your thoughts run amok, but why would you? It is your mind, your thoughts; isn’t it time to take your power back? Isn’t it time to take control?

          Choose to be the person who is actively, consciously thinking your thoughts. Become the master of your mind.

          When you change your thoughts, you will change your feelings as well, and you will also eliminate the triggers that set off those feelings. Both of these outcomes provide you with a greater level of peace in your mind.

          I currently have few thoughts that are not of my own choosing or a response from my reprogramming. I am the master of my mind, so now my mind is quite peaceful. Yours can be too!

          Who Is Thinking My Thoughts?

          Before you can become the master of your mind, you must recognize that you are currently at the mercy of several unwanted “squatters” living in your mind, and they are in charge of your thoughts. If you want to be the boss of them, you must know who they are and what their motivation is, and then you can take charge and evict them.

          Here are four of the “squatters” in your head that create the most unhealthy and unproductive thoughts:

          1. The Inner Critic

          This is your constant abuser who is often a conglomeration of:

          • Other people’s words; many times your parents.
          • Thoughts you have created based on your own or other peoples expectations.
          • Comparing yourself to other people, including those in the media.
          • The things you told yourself as a result of painful experiences such as betrayal and rejection. Your interpretation creates your self-doubt and self-blame, which are most likely undeserved in cases of rejection and betrayal.

          The Inner Critic is motivated by pain, low self-esteem, lack of self-acceptance and lack of self-love.

          Why else would this person abuse you? And since this person is actually you– why else would you abuse yourself? Why would you let anyone treat you this badly?

          2. The Worrier

          This person lives in the future; in the world of “what ifs.”

          The Worrier is motivated by fear which is often irrational and with no basis for it. Occasionally, this person is motivated by fear that what happened in the past will happen again.

          3. The Reactor or Trouble-Maker

          This is the one that triggers anger, frustration and pain. These triggers stem from unhealed wounds of the past. Any experience that is even closely related to a past wound will set him off.

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          This person can be set off by words or feelings, and can even be set off by sounds and smells.

          The Reactor has no real motivation and has poor impulse control and is run by past programming that no longer serves you, if it ever did.

          4. The Sleep Depriver

          This can be a combination of any number of different squatters including the inner planner, the rehasher, and the ruminator, along with the inner critic and the worrier.

          The Sleep Depriver’s motivation can be:

          • As a reaction to silence, which he fights against
          • Taking care of the business you neglected during the day
          • Self-doubt, low self-esteem, insecurity and generalized anxiety
          • As listed above for the inner critic and worrier

          How can you control these squatters?

          How to Master Your Mind

          You are the thinker and the observer of your thoughts. You must pay attention to your thoughts so you can identify “who” is running the show; this will determine which technique you will want to use.

          Begin each day with the intention of paying attention to your thoughts and catching yourself when you are thinking undesirable thoughts.

          There are two ways to control your thoughts:

          • Technique A – Interrupt and replace them
          • Technique B – Eliminate them altogether

          This second option is what is known as peace of mind!

          The technique of interrupting and replacing is a means of reprogramming your subconscious mind. Eventually, the replacement thoughts will become the “go to” thoughts in the applicable situations.

          Use Technique A with the Inner Critic and Worrier; and Technique B with the Reactor and Sleep Depriver.

          For the Inner Critic

          When you catch yourself thinking something negative about yourself (calling yourself names, disrespecting yourself, or berating yourself), interrupt it.

          You can yell (in your mind), “Stop! No!” or, “Enough! I’m in control now.” Then, whatever your negative thought was about yourself, replace it with an opposite or counter thought or an affirmation that begins with “I am.”

          For example, if your thought is, “I’m such a loser,” you can replace it with, “I am a Divine Creation of the Universal Spirit. I am a perfect spiritual being learning to master the human experience. I am a being of energy, light, and matter. I am magnificent, brilliant, and beautiful. I love and approve of myself just as I am.”

          You can also have a dialogue with yourself with the intention of discrediting the ‘voice’ that created the thought, if you know whose voice it is:

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          “Just because so-and-so said I was a loser doesn’t make it true. It was his or her opinion, not a statement of fact. Or maybe they were joking and I took it seriously because I’m insecure.”

          If you recognize that you have recurring self-critical thoughts, you can write out or pre-plan your counter thoughts or affirmation so you can be ready. This is the first squatter you should evict, forcefully, if necessary:

          • They rile up the Worrier.
          • The names you call yourself become triggers when called those names by others, so he also maintains the presence of the Reactor.
          • They are often present when you try to fall asleep so he perpetuates the Sleep Depriver.
          • They are a bully and is verbally and emotionally abusive.
          • They are the destroyer of self-esteem. They convince you that you’re not worthy. They’re a liar! In the interest of your self-worth, get them out!

          Eliminate your worst critic and you will also diminish the presence of the other three squatters.

          Replace them with your new best friends who support, encourage, and enhance your life. This is a presence you want in your mind.

          For the Worrier

          Prolonged anxiety is mentally, emotionally and physically unhealthy. It can have long-term health implications.

          Fear initiates the fight or flight response, creates worry in the mind and creates anxiety in the body.

          You should be able to recognize a “worry thought” immediately by how you feel. The physiological signs that the fight or flight response of fear has kicked in are:

          • Increased heart rate, blood pressure, or surge of adrenaline
          • Shallow breathing or breathlessness
          • Muscles tense

          Use the above stated method to interrupt any thought of worry and then replace it. But this time you will replace your thoughts of worry with thoughts of gratitude for the outcome you wish for.

          If you believe in a higher power, this is the time to engage with it. Here is an example:

          Instead of worrying about my loved ones traveling in bad weather, I say the following (I call it a prayer):

          “Thank you great spirit for watching over _______. Thank you for watching over his/her car and keeping it safe, road-worthy, and free of maintenance issues without warning. Thank you for surrounding him/her with only safe, conscientious, and alert drivers. And thank you for keeping him/her safe, conscientious, and alert.”

          Smile when you think about it or say it aloud, and phrase it in the present tense; both of these will help you feel it and possibly even start to believe it.

          If you can visualize what you are praying for, the visualization will enhance the feeling so you will increase the impact in your vibrational field.

          Now take a calming breath, slowly in through your nose, and slowly out through the mouth. Take as many as you like!

          Replacing fearful thoughts with gratitude will decrease reactionary behavior, taking the steam out of the Reactor.

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          For example:

          If your child gets lost in the mall, the typical parental reaction that follows the fearful thoughts when finding them is to yell at them.

          “I told you never to leave my sight.” This reaction just adds to the child’s fear level from being lost in the first place. Plus, it also teaches them that mom and/or dad will get mad when he or she makes a mistake, which may make them lie to you or not tell you things in the future.

          Change those fearful thoughts when they happen:

          “Thank You (your choice of Higher Power) for watching over my child and keeping him safe. Thank you for helping me find him soon.”

          Then, when you see your child after this thought process, your only reaction will be gratitude, and that seems like a better alternative for all people involved.

          For the Trouble-Maker, Reactor or Over-Reactor

          Permanently eliminating this squatter will take a bit more attention and reflection after the fact to identify and heal the causes of the triggers; but until then, you can prevent the Reactor from getting out of control by initiating conscious breathing as soon as you recognize his presence.

          The Reactor’s thoughts or feelings activate the fight or flight response just like with the Worrier. The physiological signs of his presence will be the same. With a little attention, you should be able to tell the difference between anxiety, anger, frustration, or pain:

          • Increased heart rate and blood pressure; surge of adrenaline
          • Shallow breathing or breathlessness
          • Muscles tension

          I’m sure you’ve heard the suggestion to count to ten when you get angry—well, you can make those ten seconds much more productive if you are breathing consciously during that time.

          Conscious breathing is as simple as it sounds; just be conscious of your breathing. Pay attention to the air going in and coming out.

          Breathe in through your nose:

          • Feel the air entering your nostrils.
          • Feel your lungs filling and expanding.
          • Focus on your belly rising.

          Breathe out through your nose:

          • Feel your lungs emptying.
          • Focus on your belly falling.
          • Feel the air exiting your nostrils.

          Do this for as long as you like. Leave the situation if you want. This gives the adrenaline time to normalize.

          Now you can address the situation with a calmer, more rational perspective and avoid damaging behavior.

          One of the troubles this squatter causes is that it adds to the sleep depriver’s issues. By evicting, or at least controlling the Reactor, you will decrease reactionary behavior, which will decrease the need for the rehashing and ruminating that may keep you from falling asleep.

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          Master your mind and stop the Reactor from bringing stress to you and your relationships!

          For the Sleep Depriver

          (They’re made up of the Inner Planner, the Rehasher and the Ruminator, along with the Inner Critic and the Worrier.)

          I was plagued with a very common problem: not being able to turn off my mind at bedtime. This inability prevented me from falling asleep and thus, getting a restful and restorative night’s sleep.

          Here’s how I mastered my mind and evicted the Sleep Depriver and all his cronies.

          1. I started by focusing on my breathing—paying attention to the rise and fall of my belly—but that didn’t keep the thoughts out for long. (Actually, I now start with checking my at-rest mouth position to keep me from clenching.)
          2. Then I came up with replacement strategy that eliminated uncontrolled thinking—imagining the word in while breathing in and thinking the word out when breathing out. I would (and do) elongate the word to match the length of my breath.

          When I catch myself thinking, I shift back to in, out. With this technique, I am still thinking, sort of, but the wheels are no longer spinning out of control. I am in control of my mind and I choose quiet.

          From the first time I tried this method I started to yawn after only a few cycles and am usually asleep within ten minutes.

          For really difficult nights, I add an increase of attention by holding my eyes in a looking-up position (Closed, of course!). Sometimes I try to look toward my third eye but that really hurts my eyes.

          If you have trouble falling asleep because you can’t shut off your mind, I strongly recommend you try this technique. I still use it every night. You can start sleeping better tonight!

          You can also use this technique any time you want to:

          • Fall back to sleep if you wake up too soon.
          • Shut down your thinking.
          • Calm your feelings.
          • Simply focus on the present moment. 

          The Bottom Line

          Your mind is a tool, and like any other tool, it can be used for constructive purposes or for destructive purposes.

          You can allow your mind to be occupied by unwanted, undesirable and destructive tenants, or you can choose desirable tenants like peace, gratitude, compassion, love, and joy.

          Your mind can become your best friend, your biggest supporter, and someone you can count on to be there and encourage you. The choice is yours!

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          Featured photo credit: Priscilla Du Preez via unsplash.com

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