We all know the benefits of good money management, but with so much credit available to us these days, it can be easy to get carried away. Before we know it, we could end up with a bad credit report. Is this something we should worry about?
It is unlikely that you will be affected by a bad credit report while you go about your everyday routine. However, it is when you want to make a big investment, such as buying a house and need to apply for a loan or mortgage, that bad credit will catch up with you. The reason is that before a lender approves your loan, they will want to see how well you have handled money in the past. They will likely need to see your bill-paying history as well as any debts you currently have. If you do not have a good record of paying bills on time, etc. it may affect your loan approval.
Can you improve a bad credit report? It is never too late to start improving your credit report. Start by requesting a copy of your credit report. You are entitled to a free copy once a year and it will help you to see the areas you need to work on. Also, make sure you pay all your bills on time as this is another important way to help your credit report, plus it will save you a lot of money on late payment fees.
So, if you are looking to make a big investment in the future, start working on your credit score today and give yourself the best chance of success.
Smoke particles are extremely small, which means they will permeate almost everything; this is a real problem if you are a new homeowner moving into a house where the previous owner smoked. As well as a bad odor, you will also have to deal with nicotine which can be particularly difficult to remove. What can you do?
One of the first steps to take when you get the keys to your new home is to open all windows and doors to get good airflow going. Next, place odor absorbers throughout the house. Coffee grounds, baking soda, and citrus peel are all good natural odor absorbers.
Replace all the light bulbs in the home as these will have nicotine residue on them and will diffuse a bad odor into the air when switched on. You should also replace filters in air conditioning units and the HVAC system. Hard surfaces, except wood, can be cleaned using an ammonia-based cleaner which is good for removing nicotine.
You will likely want to give your new home a fresh coat of paint. When selecting paint, research one that is good for nicotine-coated walls, otherwise you will find that brown residue will start to seep out through the paint.
Cleaning nicotine out of carpeting is very difficult, and you may find it better to remove it altogether. Make sure you also give the floor a thorough cleaning and dry it out before installing new carpet or other types of flooring.
For the majority of homebuyers, the kitchen is one of the most important rooms in the house. The kitchen's aesthetics naturally play a major role in the appeal of a kitchen, but were you aware that it can also tell you a lot about the condition of the home? How is that?
The kitchen sink is one way to test the state of the plumbing system. When the faucet is turned on what is the water pressure like? Does it seem to be very low? As the water is draining, does it take a long time? These are questions you will need to know the answers to before buying the house. It is also a good idea to look under the sink and adjoining cabinets for any signs of water damage that might suggest there is a leak somewhere. Even a leaking dishwasher can create problems like mold and rotting floors.
Does the kitchen have a gas oven? If it does, get close to it and check if you can smell any gas odors. Leaking gas could be a major problem, so this would need to be taken care of.
A kitchen will usually have more electrical outlets than other parts of the home. It is wise to check each one to make sure they are all working and, if not, why not?
So, when determining whether a home is right for you, make the kitchen your first stop, as it can help reveal the home's dark secrets.
The mailbox is often the first thing that people will notice about your home. The look of your mailbox will also reflect how you take care of the home itself. A good sturdy mailbox adds to the appeal of your home, and it protects your mail.. Here are a few tips to keep your mailbox looking great:
Blackouts are very unpredictable. Whatever the reason for the power outage being prepared is so much better than not being prepared. There are a few tips and general things that you can do or buy in order to best prepare yourself for a blackout or power outage.
Here is a list of things that should be considered beforehand in order to prepare :
Wood rot can permeate through wood and if not addressed the rot could grow throughout an entire building like an infection. This weakens the structure as it moves past finishes and into the sheathing.
Among other things wood rot can cause decay of varying levels, ultimately resulting in both cosmetic and structural damage. The good news is that there are ways to identify affected areas. Here are some of the most common ways to look for and identify rotted wood:
If you suspect that you have a wood rot problem in your home don't delay contact experts to get this addressed today.
There is a lot of information out there about preparing your home for sale. Finding a buyer and agreeing on a sale price and terms is only the first step in the closing process. The next step is passing the home inspection. This can be a very stressful step. Don’t worry there are things you can do to prepare for the inspection.
Here are a few tips on how to pass a home inspection:
You can check for mold in common places around your home and take measures to prevent and remove it.
The Bathroom Check -
Who doesn’t love a long hot shower but unfortunately mole does too. The warm wet environment of a bathroom is an invitation for mold growth. Bathrooms without proper ventilation like a window fan or both are prone to attracting mold.
In the shower and the tub. Showers and bathtubs are one of the most common places you may find mold. With repeated use, these areas tend to be damp most of the time. Be sure to check for mold on your shampoo bottles wash clause and loofahs in and around the faucet and showerhead and in the tile grout.
The sink and toilet. The presence of water along with the humid nature of bathrooms makes sinks and toilets prone to mold growth. Inspect the surface of the sink and counters. Also inspect toothpaste and toothbrush caddies, the tank of the toilet behind the toilet underneath the bathroom sink or cleaning supplies are stored.
The walls and on the floor. From top to bottom mold growth is likely in a bathroom. Bathroom rugs are also known to harbor mold and are usually not washed as often as they should be. Pay attention to any water leaks coming from the walls or floors.
Tips to keep your bathroom free of mold:
If you’re buying a home that comes with an in ground swimming pool, you want to take the right steps to protect your investment. Before closing, you want to know about the pool and the condition of its structure and equipment systems.
A thorough pool inspection will assure a potential buyer of key issues ranging from the elevation of the deck service to the functionality of the pool pump.
Inspectors can provide a written report of their findings. This list includes any areas of concern. Swimming pools have a lot of complicated parts with which an inspector needs to be familiar. Pumps, filters, and heaters. Many pools have additional equipment components with specialty accessories.
There are five primary areas to examine during an in-death pool inspection.
If you want an ideal home with a pool already in place, be smart about obtaining a full evaluation. The result will be a peace of mind and a new home with a stable properly functioning backyard pool.
Flashing is usually built out of metal but can contain zinc, copper, steel, aluminum, and even plastic or rubber. Flashing is used to keep roof components waterproof and prevent any damage. Without flashing, roof components may come into contact with water that can saturate leak and damage the component or the structure of the house. Roof flashing keeps the integrity of your home intact.
Roof flashing installation occurs throughout your roof including all of the following places:
If you have ever noticed that there any leaks coming from around your chimney or vent most likely your flashing was not installed correctly or is no longer sufficient.
The main purpose of roof flashing is to protect your home from moisture and saturation. The flashing extends below your roofing and adjacent to the siding to create a solid, weatherproofing seal on your home to protect you from the elements.
So when having your next roof inspected or installed be sure that your flashing is properly installed by your local roofing contractor to ensure the best protection for your roof.
Mike McFadden, Certified Master Home Inspector in Orlando, FL