Judy Kuhtreiber's Blog
Moving from one apartment to another is not an easy decision for the senior citizens. Apart from its area, there are other factors to consider. It is always difficult to move from a place you accustomed to, whether you are buying a home close to your family, or you are getting a new home to downsize, packing from one place to another requires proper planning.
Senior citizens who are willing to get a new home need to make adequate preparation and follow the right steps for a seamless transition into their new apartment. Here are some tips for them:
Hire a Reliable Realtor
Hiring a realtor seems obvious, but there is a significant difference between a realtor and a reliable realtor. Now, how do you select a reliable realtor? The first step is to ask for the credentials of the agent in question. Realtors who are Senior Real Agent Specialist (SRES) have undergone training to assist senior sellers and homebuyers above the age of 50. Also, you can ask the realtor to give you the contact address of their past clients who own a property similar to yours.
Consider Aging in Place
If you buy a three-story building, make sure you have a bedroom on the ground floor in case the stairs become an issue when you age further. Apart from that, look into home modification like more crowded hallways or shower grab bars.
Make the Government Work for You
You should find out about the home buying programs started by local or state government. Such programs are housing counseling services, assistance programs, and homeownership vouchers. Apart from that, the government has established programs, laws, and regulations for homebuyers that are disabled.
Consider Your Financial Options
You need to plan how you will finance your home whether you go for a reverse mortgage or take the regular mortgage route. You may consider the VA loan if you and your spouse are veteran. What works for some folks may not be suitable for others, so have a chat with your lender or banker about the financing option that is best for you.
Determine How You Will Move
Once you have found a home, the next step is to move to your new apartment. You can take your belongings on your own or consider a hiring a professional mover. Professional movers have the workforce, tools, and expertise required to load and offload your bulky and delicate items with no issue.
Are you a senior citizen planning to buy a new house? The tips above will not only help afford you a smooth home buying process but also help you make a seamless transition to your new apartment.
With the changing of the seasons comes the knowledge that the holidays are right around the corner. This means warm get-togethers with loved ones and holiday foods that will need to be prepared. Let’s take a look at 5 delicious dishes that you will want to make sure are a part of one or more of your holiday celebrations.
Can you even imagine what a fall get-together would be like without this spicy, creamy concoction known as pumpkin pie? A symbol of harvest time, the pumpkin becomes the perfect selection for practically everything as soon as the month of October rolls around. When it comes to the best pumpkin pie recipe, that is a matter of opinion. It depends on whether you like to keep it simple or prefer to make everything from scratch. Let’s take a look at a few different recipes.
If you like to keep things quick and easy, here is the perfect pumpkin pie recipe for you from All Recipes.com. It uses a pre-made pie crust, pumpkin purée and pre-mixed, pumpkin pie spice for a no-muss, no-fuss approach.
If you'd prefer a gourmet recipe, you may prefer to follow this Ultimate Pumpkin Pie Recipe from Epicurious.com. It features a homemade crust and secret ingredients that include brown sugar, sour cream and apricot preserves.
Nothing says holiday dinner quite like the appearance of a holiday ham. No need to fork out big bucks to buy a pre-made one. Save yourself a little extra this holiday season, and make your own.
If you love a sweet, baked ham, you may want to try this DIY "Honey Baked Ham ®" Recipe from Food & Wine.
In addition to a bone-in spiral cut ham, its delicious ingredients include: apple juice, honey, light brown sugar, honey mustard, black pepper and cayenne pepper.
Nothing says “Winter Wonderland” quite like a cup of fresh eggnog. Sure, you could just buy some that comes pre-made in a milk carton, but what fun would that be? Why not make this Amazingly Good Eggnog from All Recipies.com instead? It features fresh cloves, vanilla extract, cinnamon and nutmeg, with rum being optional of course. If you'd prefer to keep the flavor and lose the alcohol, try adding rum flavoring instead! Remember, a little goes a long way.
Green Bean Casserole
The dish that everyone is expecting, green bean casserole, is a favorite at every family get-together during the holiday season. This creamy, smooth-tasting dish has been served in kitchens since 1955. The great thing about it is that it only takes 10 minutes to whip up. If by chance you don’t already have this recipe, here is a copy of it, straight from its creator, Campbell’s Soup Company.
Sweet Potato Casserole
Are you a fan of sweet potatoes? If so, then around the holidays you probably look forward to being able to enjoy sweet potato casserole at the dinner table. There are many recipes out there, but we like this one from My Recipes.com because the casserole is topped with marshmallows and toasted pecans (yum)!
Whether you choose to whip up something simple or complicated, your guests are sure to appreciate the efforts put into creating a dish for them that nourishes their body and warms their heart.
Buying your first home is a big endeavor, both financially and personally. Homeownership means taking on new responsibilities and bills, but it also means true financial independence.
If you’re hoping to buy a home in the near future, you might be wondering what you should be doing now to put yourself in the best position when it comes time to buy a home. Well, you’re in luck. Today’s post is a simplified list of all of the things you can be doing today to start making your way toward your ultimate goal of homeownership.
1. Pay off small debts
The first thing you’ll want to do to start saving for a down payment is to make sure you’re not pouring money down the drain to credit card companies for interest rates. If you owe small amounts of money (or less than $1,000), now is the time to aggressively pay down those debts.
The goal here is to get your credit cards to a place where you pay off your balance in full each month, avoiding interest while still earning rewards and building credit.
2. Speaking of credit…
One of the most important aspects of buying a home is your credit score. Take the time to learn about the 5 main things that contribute to your credit score and then work on ways to improve your score in those areas.
3. Don’t open any new accounts if you can help it
Once you start getting closer to applying for a mortgage, you won’t want any new inquiries on your account that are temporarily lowering your score. If you need to open a new account to lift your score, then do so well in advance of applying for a mortgage.
4. Get serious about saving for a down payment
There are a few ways to proactively save for your down payment; none of them include setting money aside when you feel like it. Start by opening a dedicated account and direct-depositing a portion of your pay into that account each week.
If you have an emergency fund in place, you might be in a position to use a CD or certificate of deposit. These give the highest earnings from interest out of any form of savings. The catch? You can’t withdraw from the account until you reach your savings goal without a penalty. If you know you won’t need to dip into these funds before they’ve matured, a CD is an excellent way to save.
5. Find out how much house you can afford
Homes are expensive. but, if it’s your first home, you might need to borrow the maximum amount form the bank to find a house that you’ll love. To find out what is a reasonable amount to spend on a home, you’ll need to consider your monthly mortgage, bills, taxes, insurance, and any other expenses. Leave yourself room for savings, emergencies, and to live a little. You won’t be able to enjoy your home much if you have to spend your days struggling to afford it.
6. Career planning is vital
A good career is a balance between stability and upward mobility. Don’t be afraid to be on the lookout for new positions with higher pay and better opportunities, even if you’re happy with your current job.
If you’ve been in your position for a while, consider asking for a raise. Research salaries for other people in your position and go to your boss equipped with data to show that show you deserve a raise.
Believe it or not, the process of buying a home can become long and complicated. And if you're not careful, you may encounter many hurdles that prevent you from acquiring your dream residence.
Lucky for you, we're here to teach you about the ins and outs of buying a house and help you simplify the process of going from homebuyer to homeowner.
Now, let's take a look at three common misconceptions associated with buying a home.
1. You will be able to acquire a house in a matter of days.
The process of locating your dream home is unlikely to happen overnight. Instead, a homebuyer usually will need to perform extensive housing market research to discover a residence that meets or exceeds his or her expectations.
Typically, a homebuyer will look at several houses before he or she can find the right residence. This homebuyer then will need to submit an offer on a house. And if a home seller accepts the homebuyer's proposal, a home inspection will need to be completed before a home purchase is finalized.
It is important to set realistic expectations for your home search. In most instances, it may take a few weeks or months to find your perfect residence. But with a diligent approach to your home search, you'll be able to discover a house that can serve you well for years to come.
2. You will be able to buy a home for less than a property's initial asking price.
Understanding the differences between a buyer's market and a seller's market is essential for a homebuyer.
In a buyer's market, many high-quality residences are available. This market usually favors homebuyers, and in many instances, enables property buyers to secure great houses at budget-friendly prices.
On the other hand, a seller's market features a shortage of first-rate properties. As a result, this market favors home sellers, and many homebuyers may compete with one another to secure the best houses.
Regardless of whether you're operating in a buyer's or seller's market, it is paramount to avoid the temptation to submit a "lowball" offer on a residence. By doing so, a homebuyer can minimize the risk of missing out on an opportunity to acquire his or her perfect residence.
3. You can find your dream home without help from a real estate agent.
When it comes to buying a house, the early bird catches the worm. Therefore, an informed, persistent homebuyer is more likely than others to locate a terrific home at an affordable price.
Ultimately, working with a real estate agent is ideal. With a real estate agent at your side, you can receive expert assistance throughout the homebuying journey.
A real estate agent will set up home showings, keep you up to date about new houses as they become available and much more. He or she also will respond to your homebuying questions and ensure you can acquire a stellar home in no time at all.
Take the guesswork out of buying a house – collaborate with a real estate agent, and you can make your homeownership dreams come true.
The number of showings a seller needs to host varies. In some instances, a buyer may submit an offer to purchase a house following an initial showing. Or, in other cases, a seller may host dozens of showings without receiving any offers to purchase his or her house.
Ultimately, there are lots of things that a seller can do to boost the likelihood that a home showing leads to an offer to purchase his or her residence, such as:
1. Perform Home Upgrades
A faulty light in your kitchen or chipped paint on your bathroom's wall may be problematic. But if you perform home upgrades, you can complete myriad house repairs. Perhaps most important, you can address various home problems before they otherwise slow down the house selling journey.
Oftentimes, it helps to take a room-by-room approach to identify home problems. If you make a list of house issues, you can address these problems over the course of several days or weeks. Then, when your house is ready, you can add it to the real estate market and host showings.
2. Clean Your House
A neat, tidy house is sure to make a great first impression on buyers. If you devote time and resources to clean each room in your house, you could make it easy for buyers to fall in love with your residence.
Of course, if you need help with home cleaning, you can always reach out to professionals for assistance. If you employ home cleaning professionals, you can upgrade your residence's appearance in no time at all.
3. Eliminate Clutter
Antiques, paintings and other decorations may help you transform a house into a home. However, you should remove these items before you host a house showing. Because if assorted personal belongings are scattered across your residence, it may be tough for buyers to envision what life could be like if they purchase your house.
If you have lots of personal belongings, you can rent a storage unit where you can keep these items safe until your residence sells. Or, if you have excess items, you can sell these items or give them to family members or friends.
Lastly, as you get set to list your residence, you may want to hire a real estate agent. This housing market professional will offer tips and recommendations to help you get your residence show-ready.
A real estate agent understands how to promote a residence to the right groups of buyers. He or she will schedule showings on your behalf and provide feedback after buyers view your residence. Plus, if a showing results in an offer to purchase your residence, a real estate agent can offer suggestions about whether to accept, reject or counter this proposal.
If you prepare for a home showing, you could accelerate the house selling journey. Thanks to the aforementioned tips, you can get ready for any showing, as well as make your home an attractive option to buyers.