Tag Archives: Erika R.

5 Money Saving Tips for First Time Homebuyers. By Guest Blogger, Erika R.

By Guest Blogger, Erika R.

 

5 Money Saving Tips for First Time Homebuyers

Photo provided by Guest Blogger, Erika R.
Photo provided by Guest Blogger, Erika R.

Buying your first home is an exciting step in your life. However, it requires you to know exactly what you want and how to get it. Hiring a great realtor and finding an excellent mortgage center are two important steps. Once you have that covered, here are five things, provided by The Mortgage Centre, you can do to save yourself some money and streamline your first home purchase:

1. Know your market.

If you live in the area you are looking to make a purchase in, start looking now. Taking time to scout the market can save you some money. This gives you an idea of what you can afford, where the prime real estate is located, and what the prices are like.

If you don’t live where you are looking to purchase a home, the internet can be your best friend. Look at websites where you can view homes, see what people think of the area, and plan out the neighborhoods you want to look at.

2. Talk to your mortgage lender about all your loan options.

In different states or locations there may be lending options available that are unique to that area. Ask your lender about what options they offer. There may be loans that can save you money on closing or your interest rate.

3. Have a down payment in hand.

If you have cash in hand, this can save you from extra fees on your loan. Find out how much your lender requires you to have and start saving your money now.

4. Talk to your tax professional about tax breaks.

When you buy a new home, there are often tax breaks that will save you some money when you file your taxes. Make sure you take advantage of them.

5. When you find the right home, visit it.

Spend the time to see the house you love a few times before committing to it. The second visit may reveal a flaw you didn’t see the first time. On a subsequent visit you may realize that the neighborhood’s not quite what you wanted. Make sure it is a perfect fit so you don’t have to sell shortly down the road.

Following these easy steps can save you a lot of money on your first home purchase. First time homebuyers are just learning what it means to buy and own a home. Start your purchase off on the right foot, and enjoy the adventure of finding a great first home.

Tia, and TipsfromTia.com  is trying to keep you looking good and
feeling good, from the inside out. If you’ve got a problem or a tip email me!

5 Tips to Avoid Becoming a Pack Rat. By Guest Blogger, Erika R.

By Guest Blogger, Erika R.

 

5 Tips to Avoid Becoming a Pack Rat

Photo Provided by Guest Blogger, Erika R.
Photo Provided by Guest Blogger, Erika R.

The term pack rat has negative connotations and for good reason. That’s because in its mildest form, it means clinging to items most other people consider to be junk. On the more extreme end of the spectrum, a pack rat who holds on to items or refuses to throw them out may suffer from something like obsessive compulsive disorder that needs treatment.

Regardless of where someone is in that grouping, here are five ways to avoid becoming a pack rat:

A Friend Indeed

When you’ve decided to sift through material that continues to grow, it might be easier to have a friend help you. Quantum Storage explains that the individual doesn’t have any emotional attachment to the items involved, and thus can offer cogent reasons why they should be discarded or given away. In many cases of this type, family-connected items bring out sentimentality, and downsizing becomes easier when someone you can trust is helping you make these decisions.

Don’t Fix It, Toss It

In many cases, items lie around waiting to be fixed or repaired, with the prevailing belief that they’ll be taken care of “someday.” If it hasn’t been dealt with in months, then you likely don’t need it, which makes it an easy decision to simply discard the item(s) into the trash. Holding on to it without making an effort to repair or fix is virtually the definition of junk.

The Maybe Box

A compromise can be reached when you put items you might need into a single box. It allows you to hold on to them, but forces you to discard items that can’t fit inside. In the future, the box can be used to save something else—but with the understanding that something from the box must be tossed out.

A Photographic Memory

As noted above, sentimentality often plays a part in holding onto items long past their time. You can still maintain your memory for many items by simply taking a photograph of the item in question. That allows you to look at it in the future, without it cluttering up your home.

Use It or Lose It

With something that might be described as the one-year rule, you should be able to make a quick decision about a number of items. This means that if you haven’t used the item over the course of a year, it likely isn’t as important as you might think. Therefore, it can become easier to make this decision.

While everybody would love to hold on to each memento from the past, no matter how trivial they may seem to another individual, that simply isn’t a practical consideration. Unless you live in a mansion, there simply isn’t room to do that and could eventually be a safety risk for those who live there. The easiest steps to take in avoiding this situation is to follow the steps above.

Tia, and TipsfromTia.com  is trying to keep you looking good and
feeling good, from the inside out. If you’ve got a problem or a tip email me!

6 Tips to Coping with a Partner’s Incarceration. By Guest Blogger, Erika R.

By Guest Blogger, Erika R.

6 Tips to Coping with a Partner’s Incarceration

Photo Provided By Guest Blogger Erika R.
Photo Provided By Guest Blogger Erika R.

When a person is incarcerated, their family and friends often serve the sentence right along with them.

The difference is loved ones serve their time on the outside, where they’re expected to continue to handle their responsibilities and shuffle on as if nothing has changed.

Unfortunately, when a spouse or significant other is locked up, life can feel put on hold.

Here, you’ll find six tips to coping with a partner’s incarceration.

If you have concerns about your loved one’s case or lack of quality representation, encourage them to call a respected law firm like Suhre & Associates.

Write Letters Regularly

Sometimes regular visits aren’t feasible. When your partner is out of reach physically, there are many ways to stay in touch.

Develop a routine of regular letter writing. Receiving mail is often one of the few highlights of an inmate’s week, and your letters can help keep your bond strong.

Send a Selfie Every Week

Frequently print updated photos of yourself to include in letters where applicable.

Important: become familiar with the facility’s policy on mail.

Sometimes, only postcards will be given to the inmate. In other cases, long letters and a limited number of photos are allowed.

Plan Phone Calls

It’s difficult for an inmate to pinpoint exactly when they’ll call home, but they often have a time-frame.

Try to rearrange your schedule at least occasionally to accommodate that time-frame. This may be the only way to make sure you connect over the phone regularly.

Your work schedule or problems on your partner’s end will eventually interfere with phone calls; try not to let it ruin your day if and when you miss a call.

Find Support

If your significant other is incarcerated, talking to others in your situation can be helpful.

Join an online forum or find a support group locally that focuses on your situation.

You’ll be surprised how many people are going through this experience. You don’t have to go through this alone.

Pursue Interests and Hobbies

Remember that you are not responsible for your partner’s situation, and you need to provide yourself with distractions until you can be together again.

Do not allow guilt to prevent you from enjoying yourself even when times are tough.

Taking steps to better yourself, further your career or work on hobbies you have been putting off can help you maintain peace of mind.

Keep a Journal

For the length of your partner’s sentence, consider keeping a journal or diary.

You can keep this as a safe place just for you, or you can compile it with the thought of giving it to your loved one when they are released.

It’s entirely up to you how to use this tool, but writing down your frustrations and thoughts can be a healthy way to cope with stress.

In conclusion, making the most of every day and staying busy with things that are meaningful to you should help the time pass more bearably.

Here at TipsfromTia.com we like to provide you tips for things that we know, can be embarrassing or uncomfortable to some of our readers. We know any family going through this situation, deals with a lot of pain. We just offer tips to help and for you to use at your own discretion.

Tia, and TipsfromTia.com  is trying to keep you looking good and
feeling good, from the inside out. If you’ve got a problem or a tip email me!

Caution! 5 Things You Must Do Before Buying a Used Car. By Guest Blogger Erika R.

By Guest Blogger Erika R.

 

Caution! 5 Things You Must Do Before Buying a Used Car

 

Photo Provided by Guest Blogger Erika R.
Photo Provided by Guest Blogger Erika R.

A used car is often a great deal. Modern used cars can last for a long time and cost a fraction of the price of a new vehicle. They can be filled with features. You should never purchase a vehicle just because of the price or the appearance. You must do five things before buying a used car.

Research the Car

Start by doing some research on the make and model of the vehicle you want. You want to read reviews, look at car rankings and check the safety ratings. You should also check the cost of ownership. See whether there are any commonly known issues with the car or previous recalls. This can stop you from buying an attractive used car that will become a problem to own.

Decide On Financing

You want to decide on your financing options before arriving at the used car dealership. Check with your bank or local credit unions to see whether you can be pre-approved for a car loan. Compare those rates to what the dealership is offering. Shopping for a loan instead of just accepting dealer financing can save you money.

Schedule an Inspection

You must always schedule an inspection before buying a used car. Take the car to a trusted mechanic or garage. Do not rely on friends who do not work in the auto industry. Have the car fully inspected. Listen closely to what the mechanics or technicians tell you. Never buy a used car without a professional inspection first.

Take a Test Drive

Take a test drive first. Dealerships like Expressway Dodge will allow you to test drive any used car that you are interested in buying. A test drive shows you how the car actually handles on the road. It also shows whether you are going to be comfortable while sitting and driving in the car. Take a comprehensive test drive that includes varied road conditions. Test everything while driving from the brakes to the air conditioner.

Get an Auto Insurance Quote

The final thing to do is get an auto insurance quote. Get multiple quotes if necessary. This will show you whether the car is going to be affordable. Some used cars are very expensive to insure. Getting an insurance quote will allow you to better assess whether the used car is the right choice for you.

Take your time when choosing a used car. Do not rush into the process even if everything seems perfect from the start. Do your research, test drive the vehicle and have everything inspected. The right used car will become a valuable asset that you can rely on.

Tia, and TipsfromTia.com  is trying to keep you looking good and
feeling good, from the inside out. If you’ve got a problem or a tip email me!

5 Tips for Creating a Living Will. By Guest Blogger, Erika R.

By Guest Blogger, Erika R.

 

5 Tips for Creating a Living Will

5 Tips for Creating a Living Will
A living will is an important legal document that can protect you if you become unable to consent to different medical treatments. A living will is a document that lists exactly what you approve of and what you want to avoid after a medical emergency. You should know about five tips for creating a living will.

Be As Specific As Possible

The first tip is to be as specific as possible when creating the living will. You will need to be incredibly detailed about your wishes. You might want to look at templates or other living wills to see just how specific you need to be. Do not rely on vague statements or broad directives. Those types of statements can tie the hands of healthcare providers or even lead to legal challenges.

Choose Healthcare Proxies and Guardians Carefully

You must name your guardians and healthcare proxy in your living will. Guardians will take care of your underage children. Healthcare proxies are empowered to make medical decisions for you. Always choose only trusted people for these positions to ensure you wishes are carried out exactly as described.

Tell Loved Ones Your Wishes Immediately

You want there to be no ambiguity about your living will once it is written. Sit down with family members and loved ones to talk about your wishes. Be certain that everyone understands exactly what you mean in your will. Let them read the document. Clear up any confusion. This will prevent major problems later if something happens to you.

Always Contact a Lawyer

You want to always allow a lawyer from a firm like Gittens & Associates to finalize your living will. A lawyer will be able to correct any vague language and will guarantee that the living will is a legally binding document that will stand up under scrutiny. Do not rely on any living will that was not reviewed by an experienced lawyer.

Regularly Revise or Update Your Living Will

Update your living will regularly whenever something changes in your life. Change your proxy or guardian if relationships fall apart. Change your directives if your feelings about certain medical practices evolve. Add new directives if technology changes. This will make certain that the document always reflects your latest wishes.

You want to have a living will at all times that is up-to-date and legally binding. You never want to leave your family in a situation where they must make medical decisions for you without knowing how you feel about specific treatments. A living will protects you and your family during very difficult periods.

Tia, and TipsfromTia.com  is trying to keep you looking good and
feeling good, from the inside out. If you’ve got a problem or a tip email me!

4 Tips to Avoiding Major Roof Repair Expenses. By Guest Blogger, Erika R.

By Guest Blogger, Erika R.

 

4 Tips to Avoiding Major Roof Repair Expenses.

Photo Provided by Guest Blogger -Erika R.
Photo Provided by Guest Blogger -Erika R.

When you are a homeowner, there are a lot of things that you need to pay attention to, but one of the big problem areas that too many homeowners ignore is the roof. Roofs do not last forever, but with proper maintenance, they can last longer than they would otherwise. Make sure that you know how to avoid the need for expensive roof repairs.

Shovel

If you live in a climate where snow piles down quickly and heavily, you need to shovel your roof. This can be a difficult and irritating task, but given how heavy snow is, especially after it freezes, shoveling is a necessity. Work with a safety line and a healthy amount of caution, or get it done professionally, but make sure that this is something that you take care of.

Inspect

Roofing experts state that one of the best ways to avoid costly repairs to your roof is to inspect it on a regular basis. In general, under the best of circumstances, you should do a visual inspection at least twice a year. Get up on a ladder and take a look at the roof at the beginning of your cold season and at the end. Also make it a point to check the roof after every major storm, noting any missing shingles, any debris that is lying on the roof and any damage that might have been done. The key to preventing major roof damage to be aware of small issues and to stop them from becoming large ones.

Replacement

The experts at A. Clark Roofing & Siding Ltd maintain that replacing a roof when it reaches the point where it needs it is far better than pouring repair money into a roof that is failing. What a lot of people are not aware of is that roofs only last for a certain amount of time. In general, when you are looking at a roof, you are looking at a ten to twelve year investment. Once a roof starts to go, it is far better to replace it than to repair it. Make sure that you get an expert opinion on your roof and what is happening with it.

Check Inside

Sometimes, the best way to tell that there is something wrong with your roof is to check your ceilings. Dripping water and bending walls are all signs that something is going on with your roof and fast action is required.

Don’t get hit for hefty roof repairs. A little work today can save you a lot of money tomorrow!

Tia, and TipsfromTia.com  is trying to keep you looking good and
feeling good, from the inside out. If you’ve got a problem or a tip email me!