If you are moving to a new home, it can be a very exciting and stressful time. There is a lot to do from coordinating the move, transferring your utilities and finding a good, reliable mover. In fact, finding a moving company is easy, but you want to find a reputable mover that will responsibly move your things to your new home.
By preparing in advance, you can find the right mover to meet your needs.
1. Determine Your Budget
Before even calling a moving company, you should think about how much you want to spend. There are many services offered from moving companies from packing your boxes to merely adding on packing supplies. The more you can do ahead of time, the more money you can save on the move
The average cost of a local move is around $1,200. A long distance move or around 1,000 miles will usually cost around $5,000. This estimate is based on a 2-3 bedroom move.
2. Look for A Moving Company That Has Experience Moving
When looking for a moving company, it’s good to know how long the company has been in business. While there are reputable newer companies, you want to make sure that the movers have experience moving and that they have a good reputation. Look for a company that has been around for many years.
3. Get An In-Person Estimate
A mover needs to come to your home to give you a proper estimate. Never get an estimate over the phone. The moving company needs to inspect through room to room, open up cabinets and give you a proper estimate based on exactly what needs moving. Moving prices are based on the mileage and the weight of all your belongings.
4. Get references
It’s always a good idea to ask the moving company to give you a few references of people who are in your area that have been moved in the last few months. Give those customers a call and find out about their experience.
It’s even better if you first ask your family, friends or even a local realtor for some good, solid movers. The more reviews or recommendations from people who have actually used the moving company, the more informed you can become of the reliability of the moving company.
5. Insurance and Valuation Protection
Make sure that your moving company has insurance. If the company doesn’t have a license number to prove that they are insured, it’s best to move on and look for another company.
Most moving companies have at least two types of insurance. One is called Basic Release Value Protection and is automatically included in the cost of the move, covering $.60 per pound per item for damaged or lost items.
Full Value Replacement Insurance generally means that if the mover damages or loses any of your belongings, then the moving company is required to either replace the item or reimburse you for the cost of the item.
Have a budget in mind, make sure the movers are clear about what needs to be moved and you will have a successful move to your new home.
Source: Consumer’s Advocate.org
blog post provided by Sam Klau
How to finance aging in place renovations: A fully accessible guide
JUNE 6, 2019 in PERSONAL LOANS
In a 2017 study, AARP found that 95 percent of people ages 65 and older preferred to stay in their own homes as they aged. It’s a process known as aging in place – in which older homeowners retrofit their homes to accommodate growing older. It’s a popular alternative to relocation, whether it’s to a nursing home or retirement facility.
Staying in your own home as you grow older offers many benefits. Homeowners can enjoy a stronger sense of safety, comfort, independence, and privacy. Though the renovation cost may be high, it can still be cheaper to age in place than it would be to move to an assisted-living facility.
For a room-by-room guide on aging-in-place renovations, check out AARP’s HomeFit Guide.
For the budget-minded homeowner, there are a number of ways to finance the aging in place process, including:
What’s your current situation? Choose an option below.
I’m still employed, and I haven’t retired yet
I’m retired and on a fixed income
I’m moving in with a family member
I’m still employed and I haven’t retired yet
Best for you: home improvement loans or home equity loans/HELOC
If you’re still employed but considering aging-in-place, retirement may be on the horizon. At this point in life you may own a home. Maybe you’re also considering renovating your property.
If you are, you can incorporate aging in place into your renovations. Renovating your home for old age doesn’t have to result in a cold and clinical design. In fact, according to Home Advisor, it’s better to integrate aging in place into other home improvement projects. This way you can have the interior design you want – while laying the groundwork for future renovations.
For example, let’s say you’re redoing the cabinets in your kitchen. Perhaps you could consider replacing the knobs with D-shaped pulls to make gripping easier as you age. Small steps like that can help prepare for larger aging in place renovations in the future.
Currently, men and women both reach their peak earning years in their 40s. So your credit score may be the highest it’s ever been, and you may have the most equity in your home.
Your two best financing options may be to consider a home improvement loan, or a home equity loan. The option that works for you will vary according to your financial situation.
There’s benefits and drawbacks to both types of loans:
Home improvement loans are personal loans taken out for funding home renovations. These loans are unsecured, and rely entirely on your credit score / history. You won’t have to tap into your home’s equity. But since home improvement loans are unsecured, interest rates are generally higher.
Home equity loans and HELOCs do tap into your home’s available equity. Since they’re secured by your home, the interest rates should be lower.
Home improvement loans work best for short-term expenses. Home equity loans/HELOCs tend to come with repayment periods of anywhere from 15 to 30 years. If you are at all unsure if you will continue to live in your home past retirement, but still want to plan just in case, we recommend a home improvement loan.
I’m retired and on a fixed income
Best for you: home equity loan/HELOC, government assistance, reverse mortgages
At this point, you may need renovations for the direct purpose of aging in place. For example, AARP recommends that older homeowners install nonslip flooring as well as a low rise shower with a no-step entry.
But how can you finance these renovations after retirement?
For many retirees, Social Security is their only source of steady income. But you may still be unsure about where you want to live — and it might be more difficult now to begin the renovation process.
It’s still possible to fund a home improvement project after retirement, but you’ll need a different strategy. Taking out a home improvement loan may result in higher payments than you can afford. Instead, consider capitalizing on your hard work.
Your best options may be to utilize the equity you’ve build up in your property, or find more favorable rates in government-based loans.
Examine your savings before taking out any loan that taps into your equity. You may be able to pay for some renovation costs up front, while still ensuring you can live comfortably in the future.
If you choose to tap into your home’s equity, you should be sure that you’re going to remain in your home for as long as possible. Home equity loans/HELOCs have an average lifespan of 15 to 30 years. And a reverse mortgage will come due when the borrower either dies, sells the home, or permanently moves out.
These loans do still need to be repaid, but you may get a better interest rate than with a home improvement loan. Each loan is secured by your property, and your equity helps determine the value of your loan. And as always, never borrow more than you need.
If you think you can qualify, the Department of Housing and Urban Development offers several federal loans. For example, Title 1 Property Improvement Loans let borrowers take out a loan from eligible lenders. Each loan is insured by the federal government, so borrowers may be able to find a lower rate than they would elsewhere.
I’m moving in with a family member
Best for you: Proceeds from your home sale, personal loan, low-interest credit card
Best for your loved one: Home equity loan/HELOC
Moving in with a family member or loved one may mean you have fewer options for customizing your living space. It may not be the most ideal for aging in place, but gives you the chance to live with your loved ones and have a home within a home. To start, talk with your loved one about potential renovations they might allow to make the property safer and more accessible.
The most important changes will be in the room or suite you’ll be staying in. These can include things like:
Naturally, you’ll want to help your loved one pay for these renovations or cover them in full. If you’re selling your home before move-in, the sale proceeds can go toward any renovation costs you might encounter. If you’re not selling a property, you may consider a personal loan or a low-interest credit card to cover the costs.
If you’re on the other end of the equation — and an aging loved one is moving into your existing home — then carefully consider the space in which they’ll live. If you don’t have a dedicated room they can stay in, then you might consider adding a mother-in-law suite or accessory dwelling unit on the property.
If you do have an available room, make an effort to improve its accessibility before they move in. The small changes above are a great place to start, as are updates to the bathroom they’ll be using. These can include:
Original Source: https://www.bankrate.com/loans/personal-loans/aging-in-place-renovations/
For many families, the idea of an assisted living can serve as an appealing solution for their loved ones; but with the rise of smart home technology independent living for seniors is a more realistic and budget friendly idea to explore.
From everything to automatic stove turn-off devices and medication dispensers to health monitoring sensors there is technology to help your loved one in every stage of independent living, making the aging in place process a more comfortable and less invasive possibility.
Door Locks and Security Systems: A smart security system allows your family to monitor entrance activity to your home, so they’ll always know you’re safe. Smart door locks let you lock your door no matter your location.
Smart Doorbell: Communicate with visitors from anywhere inside of your home; smart doorbells come with video surveillance, speakers, and microphones for added home protection.
Wi-Fi Enabled Refrigerators: Your smart refrigerator keeps track of your grocery list and delivers it to a participating grocery store near you. You can even view the inside of your refrigerator from an app on your smartphone.
Automatic Stove Turn-Off Devices: Automatic stove turn-off devices come with a timer, motion sensors and an automatic shut-off feature to ensure that your kitchen equipment powers down when you want it to.
Automatic Medication Dispenser: Automatic medication dispensers can ensure all your medications are taken on schedule and according to the doctor’s orders. Your dispenser alerts you or your family of missed medications and even provides your physician with detailed reports regarding your medication activity.
Health Monitoring Sensors: Wearable health monitoring sensors communicate physiological data directly to your healthcare providers in real-time. Monitoring sensors can be worn in a variety of accessories to track heart health, exercise activity, chronic conditions and more.
Smart Light Switch: Control the lights in your home using timers or voice command with the help of your smart home assistant or via an app on your smartphone.
For more information on the top technologies for seniors visit Home Automation for Seniors.
DIY Bedroom Remodel Made Easy
If you want to create a sanctuary in your home without breaking the bank, consider a DIY bedroom remodel. Bedroom re-do’s have a great return on investment (ROI) and are typically much less expensive than a kitchen or bathroom update. They also tend to be a lot more fun! Keep reading to get started on your DIY bedroom remodel.
Ask yourself some basic questions about what changes you’d like to see. For inspiration, spend some time browsing online or in brick-and-mortar stores to see what’s new and what appeals to you. What’s your personal style? Country, conservative, chic, hip? At this stage, dream big! You can adapt your dreams to your budget as you move forward with your project. Do you want to change your window coverings? Purchase blackout curtains? Open up walls? Add bathrooms? Or, will a coat of paint and some new bedding be enough to lift your spirits? Gather images for future reference. You can also browse online home decorating magazines for bedroom layout ideas, color pairing options, and playful accent pieces. If you need help visualizing your space, utilize an online room decoration simulator.
Prepare a Budget
Now that you have a good sense of what you want to create, it’s time to figure out how much it’s going to cost. Budget the cost of materials and, if you don’t have a fully equipped workshop, the cost of tools. If you are planning a larger renovation and don’t have specialized tools, consider tool rental options. If you are purchasing new furniture, window coverings, bedding, light fixtures, lamps, and artwork for the walls, be sure to include these items in the budget. Consider adding a 5 percent “reserve” to your budget for unforeseen costs. Decide if you can afford the project in its current iteration. If not, no worries! Your budget can be altered until you have a financially feasible plan.
Now that you have your finalized plans in place, you need to figure out a way to pay for the remodel. Not everyone has that much money tucked away in a savings account, so it might be worth taking out a short-term personal loan rather than using your credit card. Personal loans typically have lower interest rates, and taking out a loan (and repaying it on time!) can help improve your credit rating. ConsumersAdvocate.org says just be sure to go with a reputable lender and read all the fine print with regards to fees and repayment.
Decluttering is the first step in any renovation project. Get rid of anything that you don’t use or that takes up too much space. It’s much easier to renovate an empty room compared to a cluttered one. Consider making a mini bedroom in another area of your home while renovations are occurring. Clutter can distract you from your greater DIY vision.
Once the room is ready for paint, you are getting close to completion. When deciding on a color, consider a calming tone such as light grey, soft pink, or eggshell white. If you want to make your space appear larger, use a light color. Start your painting process from the ceiling and work your way down. When priming your room, consider a paint primer that paints pink, but dries white. Not only will you save time, but you will save yourself the aggravation that comes with painting the same area over-and-over. To ensure maximum drying, consider waiting several days between paint layers.
Once the paint is dry, it’s time to move in. Put-up the curtains, assemble the bed, hang the artwork, and add a few final touches. Once you’re finished, you will likely want to spend a lot more time in your newly decorated bedroom!
Article provided by Ray Flynn from DIYGuys.net.
Image courtesy of Pixabay
Moving can be a chaotic and stressful time. When you have children, it can feel intense for them and for you. However with a handful of well-chosen preparations, you can ease through the process and into your new home painlessly.
Preparations are the key. Moving requires a great deal of prepwork, and some things, such as packing up your home are quite obvious. You should also ensure you are getting the best possible home for your lifestyle and budget, which means researching the best prices and neighborhoods in your region. For instance, the median listing price for a home in Sacramento, California, is $350,000. Know your market to make informed decisions. You may wish to visit open houses to get a firsthand feel for what’s available. It’s also important to prepare your children. When you’re moving with children, you can guide them through the transition by talking with them about what’s happening and providing activities to help them adjust.
Conversations and connections. Kids don’t always understand exactly what it means to be “moving.” Discuss the process with them and let them ask questions. Have your kids help with packing, and let them select what toys will be packed last. Make sure very young children know they will get their items back when you unpack in the new place and that the boxes will come along. Many children benefit from a goodbye party, bringing closure and an opportunity to see their friends. Also, as Better Homes & Gardens notes, it’s your job to convince your kids that moving is a good thing. Point out the benefits of the new place, whether it’s getting their own bedrooms, a bigger backyard or great local hangouts. If your kids need to leave behind close friends, one suggestion is to encourage them to connect after the move. Thanks to technology, kids can stay in touch via social media and cell phones. They can share experiences throughout the move and show off their new digs, thanks to video messaging and sharing texts and photos.
Packing up. Your kids can help pack their things to give ownership in the process, but it’s still your job to ensure they pack correctly. If their favorite toys are broken in the course of moving, it’ll add stress and unhappiness. Start packing as early as you can, as moving with children takes even longer than moving an all-adult household. Real Simple notes boxes should be labeled with contents and room designations to make unloading and unpacking more efficient.
Stage for success. If you are in the process of selling your home, you can use packing as an opportunity to put things into storage. Decluttering and depersonalizing your home is a key to selling, so HGTV emphasizes keeping potential buyers in mind. Be sure to store items off-site until the day of the move, since home shoppers will be looking into closets and storage areas. And those children’s items you don’t feel are worthy of moving? Box or bag them discreetly and stash them in your trunk, then deliver them to the trash or donation center when your kids either are sleeping or at school. Otherwise youngsters are bound to decide you’re discarding their favorite things, and you’ll have a new source of stress on your hands.
Moving day. After spending oodles of time and energy finding a great home, talking with your kids and packing belongings, moving day finally arrives. Ideally you’ll be able to have a friend or family member watch your kids during the event, but sometimes that isn’t possible, and moving can be hot, tiring and stressful. You may find tempers and anxieties reach a whole new level! Combat the chaos with moving-day activities for your kids. Pack a special tote for each child with a few favorite items. Include simple distractions like a deck of cards, toys or books to keep youngsters occupied.
Moving is overwhelming, but when you have children it can near bedlam. Ease through the transition by preparing your home and your kids well in advance. With smart planning you can make your move smooth, simple and efficient!
- Alexis Hall
Photo Credit: Unsplash
Add Value to Your Home
with These DIY Projects
Homeowners decide to take on DIY projects in their home for a variety of reasons. The work may be necessary, such as with a leaky sink pipe, or maybe it’s simply a new coat of paint in your bedroom. In addition to looks and functionality, you may be able to increase your home’s value with the swing of a hammer or swipe of a paintbrush. Here are some things to consider when planning your renovations and the projects that will return the most bang for your buck.
Know Your Abilities and Make a Plan
Before you pick up a hammer or cordless drill, make sure you know your abilities and your tolerance for learning. Many value-adding projects are DIY friendly, so there is an excellent opportunity to save money. However, you do not want to undertake a project that is just going to require professional work before you sell your home. As such, avoid highly specialized projects such as those that involve electrical work, major plumbing repair, or fine finish carpentry.
Also, determine what tools you have and which you’ll need to acquire. Some jobs are one-off, like installing hardwood floors, so it likely will not make financial sense to purchase a flooring nail gun. But, a flooring gun makes the job much easier, so you might want to rent one from a building supply store. Other tools, such as hammers, cordless drills, and power sanders, will have multiple uses through many projects, so they may be worth their expense.
Also, it is crucial to develop a plan for your renovation. This plan should clearly outline the scope of work, all of the steps required, and the budget for the project. The timeline should be flexible since numerous unknowns can impact a plan. When developing your budget, factor a small but sufficient pad, such as 10 percent, for potential cost overruns. A budget is vital since it is a step in determining the cost-effectiveness of the repair. Later, when you are selling the home, you will have records of how much the project cost and you can more precisely determine the amount of profit you made from the repairs.
Determine a Timeline Beyond the Project
Another essential step is to consider how long you plan to enjoy the renovation. If you plan on living in your home for the next decade, then the evaluation of the return on investment may be complicated. The passage of time will affect your property value, and the repair, such as interior painting, may pass its useful life. For these longer planned stays in a home, remodels can become less about gaining value and more about your enjoyment. A pool, for example, might not provide a good return on investment for houses in the northeast, but if it provides your family with a decade of enjoyment, it may be more than worth the investment.
Pick jobs that return value
On the other hand, if you are looking to sell your home soon, your primary concern is increasing the offers you receive. Surprisingly, it’s often not the huge renovations, such as new kitchen or baths, that have the most bang for their buck; instead, it’s the smaller jobs. The following are the most impactful renovations and repairs.
DIY can lead to increased home values if carefully considered. Know what you can do and what is best left to the professionals. Find a few simple projects that you can do cheaply while increasing your home’s value.
Article provided by Ray Flynn from DIYGuys.net.
Buying a home with an elderly parent after the loss of a spouse can be a trying experience. There’s the difficulty of two people set in their ways moving in together and making room for each other. Then there’s the need to figure out what you’ll need to get rid of, and how you’ll store what you won’t have room for. And it’s likely your parent may not be in a condition to do much prepping or packing, so you’ll need to take control of those details, arranging for everything to be packed, loaded and moved.
What to look for
Look for a home that has wide doorways and easy exterior access, either with an access ramp or no front steps. A first-floor bathroom is a preferable option, especially if your parent has difficulty using stairs. A house with soft flooring, such as cork or vinyl, is preferable to tile or hardwood. Remember that low-pile carpeting is preferable to shag or deep-pile carpeting. If you need a lot of interior painting or staining done, consider looking for a reputable local company.
When it comes to moving, you have two options: hire a professional to handle all the prep work or do it yourself. Unless you can afford the cost of hiring a professional moving company, it’s worthwhile handling the packing yourself and letting the pros take care of the heavy lifting. They’re experts at loading and unloading your belongings safely, and they’re fully insured. If you don’t have the time to pack it all up yourself, ask the mover about full-service packing. If that isn’t an option, you’ll probably want to start calling up friends and relatives who can help you get it all done.
It’ll probably take some time to figure out what to do with all the belongings your parents accumulated over the course of a lifetime. It’s clear that not everything can come with your parent, so set aside some time to go through everything with your parent and decide what to throw away, what can be donated, and what an be sold. It’s easy enough to donate belongings to the Salvation Army or Goodwill. And don’t forget you can turn those unwanted old items into cash by selling them on Craigslist or eBay.
Preparing the way
Perhaps the most important step in the process is ensuring that your new home is adapted for the needs of your elderly parent. This can be a challenging proposition, especially if your parent has significant mobility problems. You may need to adapt a room on the first floor as a bedroom if your mom or dad can’t get up and down stairs anymore. It may be necessary to hire a contractor to create a bedroom space if your first floor has limited rooms. Or you may want to consider looking into an automatic stair lift, though be aware that this can be a pricey option. If your parent’s bedroom will be on another floor, there should be a bathroom nearby on the same floor.
The bathroom is one of the most dangerous rooms in the house for seniors. In fact, more older adults fall in their bathrooms than any other part of the house. Place non-slip mats or rugs on the floor in front of the sink and toilet, and make sure there’s one in the bathtub or shower stall. If your parent has severe mobility issues, consider installing a no-step shower to reduce the likelihood of a fall. Many seniors make good use of shower chairs to eliminate the need to stand for an extended period. Grab rails should be installed alongside the toilet and in the tub or shower area.
Living with an aging parent is a major life adjustment. Suddenly, you’re a roommate and a caregiver, which can be a difficult change for anyone. If your home is well-adapted to your parents’ needs, it can be a rewarding and enriching experience for both of you.
Courtesy of Pixabay.com.
Article submitted by: Lucille Rosetti
Thank you to all our customers who bought or sold earlier this month.
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How Moving to a New Home Can Get You Through Grief
When you’re grieving for a loved one, especially the death of a spouse, part of the process at some point will mean starting to move forward with your life. For some people, moving to a new house is the best way to make a fresh start. Whether you’re moving to be closer to your support system or need a change of scenery to focus on your future, relocating after a loss may be just what you need.
Move On With a Growth Mindset
Finding a new way forward after losing a loved one comes with a roller coaster of emotions. You may feel overwhelmed and even guilty when you begin to focus on rebuilding your life. The reality is that moving on doesn’t mean you’re leaving your loved one’s memory behind. Good Therapy describes moving on as living with a “both/and” approach to life rather than either/or. You don’t have to trade in your sadness and memories of your loved one for hope and growth. You can move forward and at the same time continue to miss the person you lost.
This both/and approach should help you banish guilt from your mindset and instead focus on growth. Many people who are grieving feel vulnerable and even scared of the future, but the best way to move forward is to be open to what is unknown. The unknown can be scary, but it can also hold opportunity for growth that will pave your way forward. Moving to a new home is a big change, and it may be hard to imagine your day-to-day life in a new space, but it can also be the blank slate you need for growth to be possible.
Create a New Space
When your significant other dies, an overwhelming feeling of his or her absence is often most profound at home. Many people who are grieving the loss of their spouse say their home feels empty and quiet, heightening their sense of loneliness. Starting fresh in a new home gives you the chance to interject life into the new space. On a practical level, it’s a big change to your daily habits, but when you move to a new home, you can set up your living space and create new daily habits your own way.
Another reason to consider moving is if you are isolated from close friends and family who will support you during this time of bereavement. Even though grief can make you feel alone, it’s important to avoid living in isolation because over time that can lead to depression. You need to be able to surround yourself with people who can support you.
Managing a Move
Once you make the decision to move, packing and going through your loved one’s belongings may feel like a daunting task. Try not to rush this process if you don’t have to, but also keep in mind that it may never feel like the perfect time. Refinery29 recommends creating a collection of the items that are most meaningful to you so that they’re all in one space. This makes the process of sorting through your loved one’s mementos less daunting and also makes it easier to keep the items that really matter right where you can see them and enjoy fond memories.
If going through belongings is more than you can handle right now, consider hiring a packing service and professional movers, such as HireAHelper, to take that off your plate. Using a service like this means you don’t have to worry about the logistics of moving, and instead you can focus on your path forward and confront the emotions of sorting through things when you’re ready.
It’s hard to know when the “right” time is for any step after a major loss. Part of the grieving process inevitably means moving on with life. If moving to a new home helps you through that process, the best thing you can do is give yourself permission to pave a way forward through growth, and accept help along the way.