When you think of making improvements to your home, you probably often turn to the inside of your home to bring the value of your home up. The outside of your house provides the same type of opportunities and adds value at the same time. People not only like to live in the indoors of their homes, but the outdoors as well. Maximizing the outdoor space allows for entertainment opportunities and increased living space without maximum costs.
Spruce Up Your Garden And Landscapes
The landscape of your home is a revolving battle. You’ll need to continually maintain these areas of the home. Choose your plants based on the climate you live in. Keep the grass looking green, or plant a drought-tolerant yard. Adding trees for shade, shrubbery for beauty, and other types of plants not only helps increase the curb appeal of your home, but plants and trees can lower energy bills and keep your home cool at the same time.
Build An Outdoor Space
Building something like a deck or a patio to your home can really be effective at adding living space and value to your home. Whether you decide to go all out and attach a deck to your home for you to step out on, or do things a little more simply and pave a patio, you’ll find a return on your investment. Most homeowners look for a nice outdoor space to hang out on, so this improvement can make a big difference.
Curb Appeal Matters
The curb appeal of your home is what it looks like when people pull up tot he front of the house. Having a better looking home from the outside can increase the value of your home and the future appeal it has to buyers. Your home will be more inviting by doing improvements like repaving the driveway or adding a stone wall. Whatever you think the front of your home needs to make it more inviting should be done not only if you’re planning on selling your home, but for your own enjoyment as well.
Add Other Touches
There are certain luxuries in a yard that can make a big difference. Add a small waterfall or a fountain to add a lot to a yard. Along with your deck or patio area, you should also consider adding a fire pit or an outdoor fireplace. These items attract people for their immense enjoyment. The design doesn’t even need to be elaborate. These can be some of the biggest, yet most inexpensive improvements that you can make to your yard.
Remember that no matter how you want to spruce up your yard, it’s all about enjoyment and the ability to make use your yard. Add the personal touches that you know will make your yard special and purposeful.
11 Cooper St, Wakefield, MA 01880
If you've recently sold your house or are preparing to list your residence, now may be the perfect time to cut down on clutter. That way, you can remove excess items from your home and earn extra cash before you move into a new residence.
Of course, selling excess items may prove to be difficult, particularly for those with limited time and resources at their disposal. But individuals who use the web to their advantage should have no trouble selling excess items.
What does it take to effectively promote a wide range of items online to prospective buyers? Here are three tips to help you do just that.
1. Take Excellent Photos
Regardless of whether you're looking to sell an old tennis racquet or a rarely used refrigerator, it is important to take outstanding photos of your items. This will enable potential buyers to get a look at what an item has to offer and decide if it is right for them.
Before you photograph an item, clean this item thoroughly. By doing so, you can ensure the item will look pristine before you post photographs of it online.
Furthermore, take pictures of an item from multiple angles. And be sure there is sufficient lighting when you capture photographs, as this will allow you to showcase the true beauty of any item, at any time.
2. Provide Relevant Information
When it comes to selling excess items online, it pays to be honest. If you provide accurate, relevant information about an item to prospective buyers, you can increase the likelihood of connecting with the right audience.
Also, don't forget to include an engaging headline in your item description. This will help your item listing stand out from others, thereby improving your chances of stirring up substantial interest from dozens of potential buyers.
3. Respond to Buyer Concerns and Questions Immediately
An alert online seller usually is a profitable one. As such, if a buyer has a concern or question about an item listing, it is important to respond as quickly as possible to boost your chances of getting the best possible results.
For example, if you publish an item listing on Craigslist and a potential buyer sends you an email, you should try to respond within the first few hours. This will allow you to connect with the buyer and reduce the risk that the buyer will become impatient and look elsewhere for the same item.
If you need help decluttering your house and listing excess items online, your real estate agent may be able to lend a helping hand. This housing market professional understands the complexities of selling a house and moving into a new residence. Therefore, he or she can help you find innovative ways to declutter and streamline the moving process.
Take advantage of the aforementioned pre-moving tips – you'll be happy you did. Thanks to these tips, anyone can declutter a residence, sell excess items online and earn extra cash at the same time.
50 Pleasant St, Wakefield, MA 01880
Some mortgage companies offer loans with points. In a nutshell, paying points means paying down the interest rate. One point is equal to 1 percent of the mortgage amount. On a $200,000 mortgage, one point is $2,000. The percentage the interest rate lowers depends on the mortgage company and the market. For example, one point might be equal to a quarter of a percent interest. A loan with 4 percent interest and two points might go down to 3.5 percent interest.
Pros and Cons of Points
If you do pay points, you could get a tax break. Since tax laws are constantly changing, make sure you can claim points if part of your decision is based on the tax break. Other considerations include:
If your mortgage is an adjustable rate (ARM), some mortgage servicers only give you the discounted rate until the mortgage rate adjusts. Some may hold the discount rate over. For example, if you have an ARM that starts at 4 percent and you buy two points for a discount of ½ percent, you may lose that discount when the loan adjusts, especially if it changes to a higher interest rate. However, if the bank carries the discount over, the new rate might increase to 6 percent, but your one-half point discount would mean that your new rate would be 5.5 percent.
You need additional cash to buy points. If you plan on putting 20 percent down, but you want to purchase points and do not have more cash, you could be less than 20 percent down. However, compare the scenarios to determine which method is better in the long run. If you put less than 20 percent down, the mortgage servicer may charge you PMI, which would negate any savings.
You may save more by putting more down. If you put $40,000 down on a $200,000 mortgage, you are going to pay interest on $160,000. If you put less money down and buy points instead, your interest rate will drop, but you may end up paying more for the loan in the long run. Enter the numbers into a mortgage calculator to determine which way you save more.
If your mortgage is $200,000 and you put $40,000 down, thus cutting the amount you finance to $160,000, and do not buy points, the total interest you will pay over the length of the loan will be about $115,000.
Using the same scenario, you instead put $36,000 down and buy two points. This drops your interest rate to 3.5 percent from 4 percent. You will save about $16,700 over the life of the mortgage. And, you would have to stay in your house without refinancing for 49 months to break even on your savings. In this case, your $4,000 ends up saving you a net of $13,500 on interest (savings minus the $4,000 it cost you to save).
Before you agree to points or a larger down payment, discuss the scenarios with your accountant or tax attorney to determine which method is best for your situation. If you have to pay private mortgage insurance (PMI), buying points could end up costing you.