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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 January 11, 2021

          11 Hidden Benefits of Using Oil Diffusers

          11 Hidden Benefits of Using Oil Diffusers

          Affordable, relaxing, and healthy, oil diffusers are gaining popularity with people everywhere due to their extensive benefits. Oil diffusers work through the simple process of oil diffusion, which uses heat to turn oil into a vapor that is then spread around a living space. Diffused oil can have several relaxation and health-related benefits, including safe scent-dispersion, mosquito and mold defense, stress relief, and more!

          Read on for 11 hidden benefits of using oil diffusers.

          1. Safe Scents That Make Sense

          Unlike candles or air fresheners, oil diffusers release cleansing molecules into your air that work to purify it, not overload it with unhealthy chemicals. Electronic diffusers also do not pose the fire risk that candles do. Plus, they contain the added feature of interchangeability, which means you change oil types for different scents and health benefits.

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          2. Stress Relief

          Several lab studies have confirmed that diffusing essential oils like lavender have been shown to reduce stress and help relieve anxiety in medical patients. Preliminary studies have also shown that oil diffusers can help alleviate symptoms of depression.

          3. Improved Sleep

          Diffused oil has relaxing properties that can help people of all ages fall asleep quicker and sleep more soundly. Electronic diffusers not only have the option to mix and match different oil blends (Try a lavender, Bulgarian rose, and Roman chamomile blend to help with insomnia), they also run at a gentle hum that helps relax an agitated mind. Many also come with an auto shut-off feature to help conserve oils once you have fallen asleep.

          4. Appetite Control

          Much like gum, oil diffusers can help stimulate the senses in a way that works to curb appetite. New research has shown that diffused peppermint oil can help curb appetite by inducing a satiety response within the body. Diffused peppermint oil has also been shown to increase energy.

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          5. Bacteria and Mold Killing

          When essential oils are diffused in the air, they break down free radicals that contribute to the growth of harmful bacteria. Eucalyptus, thyme, and tea tree oils are especially good for this purpose. Diffused oil is also highly effective when it comes to combating fungal yeast threats, as the oil help makes the air inhospitable for yeasts such as mold. Pine and red thyme essential oils are best for combating mold.

          6. Decongestion and Mucus Control

          Ever tried Vick’s Vapo-Rub? Its decongesting powers come from active ingredients made from the eucalyptus tree. In principle, oil diffusers work the same way as Vapo-Rub, except they diffuse their decongesting vapor all around the room, not just on your chest or neck. Oil diffusers have been known to cure pneumonia in lab mice.

          7. Mosquito Repellant

          Nobody likes mosquitoes — but when the trade-off means using repellants full of DEET, a toxic chemical that can be especially harmful to children, mosquito control can often seem like a lose-lose. However, scientists have shown that oil diffusers can be used as a safe and highly effective mosquito repellant. Studies have shown that a diffused oil mixture containing clove essential oil and lemongrass essential oil repelled one type of Zika-carrying mosquito, the Aedes aegypti mosquito, at a rate of 100%.

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          8. Pain Relief

          While applying oils directly to areas of your body may be the most effective way to alleviate pain, diffusing essential oils can also be an effective means of pain relief. When we inhale healthy essential oils, they enter our blood stream and can help internally relieve persistent pain from headaches, overworked muscles, and sore joints.

          9. The New Anti-Viral

          Research into the anti-viral effects of oil diffusion is now just gaining steam. A recent study showed that star anise essential oil was proven in medical experiments to destroy the herpes simplex virus in contained areas at a rate of 99%. Another study showed the popular DoTerra oil blend OnGuard to have highly-effective influenza-combating powers.

          10. Improved Cognitive Function

          Diffusing essential oils has also been shown to improve cognitive function. Many essential oils have adaptogenic qualities, which can work twofold in soothing us when we’re stressed, and giving our bodies a pick-me-up when we’re feeling down or sluggish. By working to level out an imbalanced mood, diffused oils also help us to focus. There are also several essential oils which have been shown to help balance the body’s hormones. With prolonged use, these oils can work to repair the underlying causes responsible for hindering cognitive function.

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          11. Money Saving

          With ten clear benefits of oil diffusers already outlined, there is one more that should now be obvious: using an oil diffuser will help you to save money. As an anti-viral, bug repelling, and stress-relief solution rolled into one safe product, an oil diffuser used with the proper oils will save you money on products you might otherwise be buying to help cure those pesky headaches or get your kids to fall asleep on time. If you’re wondering just how affordable oil diffusers can be, check the buyer’s guide to the best oil diffusers — you’ll be sure to find one that fits your budget!

          Featured photo credit: Jopeel Quimpo via unsplash.com

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