Archive for October 14th, 2014

The True Costs of Home Ownership

You’re ready to stop throwing your money at a landlord. You want to make the rules about what happens to your home, from painting the walls to inserting custom bookshelves. In order to make that happen, you have to go through the process of buying a new home. As a first-time home buyer, you may not know all of the expenses involved in this process. This quick guide will get you up to speed so that you can start preparing financially.

Down Payment

The amount of money you pay for your new home upfront is determined by the type of loan you secure, your credit and other potential factors. If you know you want to purchase a home, now is the time to start saving.

Closing Costs

There are services which offer zero closing costs, and that can mean big savings for a first-time home buyer. This may help you designate more of your savings to the down payment in order to secure a more reasonable monthly mortgage payment.

Property Taxes

Tax rates are determined by the neighborhood or city in which you choose to live. This is an expense that will stay with you as long as you own your home, so you may find that you can’t afford to live in an area that otherwise attracts you.

Homeowner’s Insurance

When you consider your monthly payment for a mortgage loan, remember that insurance will add to that expense. You can shop around to get the best rate, but read the terms of each policy closely to determine what you get for the lower rates.

Maintenance and Repairs

Some homes will cost more than others to maintain over time. If you purchase a used home, you may come across repairs that you didn’t anticipate before buying the home. You may also want to upgrade windows or appliances to energy-efficient models.

If you purchase a new home, you will still need to maintain the heating and air conditioning system, fireplace and other features of your home. You may also have the initial expense of purchasing appliances, or you may want to invest in landscaping.

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Malunggay Tree Reached Already In The Power Line

I just started my laundry today, yes Tuesday is my schedule for laundry and when I looked up I noticed our Malunggay Tree already reached our wire. And I know it is not good because it can cause wire problems in the future. Trees that are already touching the wires can also affect public safety so the safety does not concern also for us but to our neighbor as well.  I needed to cut it down. Of course I won’t cut it myself, it is just for a petite woman like me; perhaps I will have to contact someone to cut it down or maybe trim it. I can’t wait, and I don’t want to wait at all until there is a power outage and can be dangerous already.

I just had our grass trimmed by my contact; I called them the “Grass Cutter”. I messaged them the first week of October and I did not notice yet that the tree already reached our power line so maybe next month I will have to call them and add the tree in their job; I will just have to add some bucks from the original service price.

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Top 3 Reasons Why You Should Clean Out Your Gutters

Cleaning out your home’s gutters is a messy and difficult job that no one likes, but dirty and clogged gutters can cause a lot of problems. In addition, they can cost a lot of money. If you’re skeptical, read over these top 3 reasons why you must clean out your gutters.

1. Rot

Gutters that are not clogged let water run easily into downspouts so that it can flow away from your home. But gutters that are clogged can cause rot in your roof and eaves. This happens because water sits in the gutters and ends up seeping into your home’s nooks and crannies. This can cause damage that goes beyond simple repair.

2. Pests

Pests like mosquitoes live for wet and soggy areas. Your clogged gutters are like a haven for them. Mosquitoes and other annoying critters will swarm in the stagnant water, and they will start to bother you and your family on a regular basis.

3. Flooded Basements

One of the worst things that can happen when gutters get clogged is a flooded basement. This occurs when water flows too close to your house and sinks into the foundation. It will freeze there and cause cracks and expansion. As if this isn’t bad enough, the water will also thaw eventually, and this can create a waterfall into your basement.

Remember, there’s only one way to avoid all of the problems listed above. You have to clean your gutters. Fortunately, if you don’t want to do the job yourself, you can always hire it out to a reputable company like Gutterboy Gutter Cleaning and Gutter Replacement in Sydney. These experts can get your gutters fixed up right away. Learn more about what they have to offer by checking out

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