Selling Your Home Privately

When you think about selling your house privately one thing to consider is to decide where to place all of your furniture and anything else in your house. Well this is quite right but selling a house means also to get rid of all the debris, to fix all the damage in the home, to determine the price of your house, and also to make an advertisement in the newspaper.

Selling a house requires long planning and you need to do it before you choose to sell. You need to dispose of your feelings with your house and consider it as a valuable investment. When selling your house the people who would like to purchase it should think of it as their potential new house not as your old house.

Next what you must do when selling your house is dispose of all the clutter in your house. Maybe you are emotionally connected to some of this clutter and I remind you once again you need to get rid of your feelings. Look at all clutter in the closets, garage, attic, and basement. You do not want the purchaser to come to see the clutter in these places.

And then you really need to fix all the damage before you attempt to sell. But let me inform you, fixing the damages when selling a house does not mean you need to do something expensive for example renovating your property. You have to save your cash to purchase your new house or to get a new loan. Checking the light, water, closet and bathroom is an excellent thing to do before selling your house privately. Check the flooring, walls, ceilings, doors and windows before you sell.

Maybe the hard thing to do when selling your house privately is to determine the price of your house. Do not set your selling price too high when selling your house privately because it might be tough to find a buyer. And if you lower your price later it may be too late. Selling a house in about six months is a long time and if no one buys your house in this time period the other buyers might think that you will be eager and they will make a cheaper offer. So selling your home requires wise thinking and deep consideration to set the price of your home.

Next thing would be to create an advertisement about your house inside the classifieds. You need to make an interesting but not exaggerating one because folks may think it does not make sense if you made an advertisement like that. And after you advertise your house and there is somebody who is interested in purchasing your house you need to show your house to them. Try not to be home when they arrive to see your house. Keep your home neat and dispose of your kitchen trash. And in the end your house might be sold for the price that you desired.

House Insurance Comparison: Overview of Factors That Affect Rates & How You Can Choose a Policy

As with any type of insurance, you are probably interested in getting the best possible deal on home insurance. Thankfully, there are tools that make it possible to not only search for policies, but to do house insurance comparison with multiple quotes to find the best one for you.

For some homeowners, price matters more than anything. This should not be the case, though, since overall value is more important than cheap rates. Consider both the premiums and deductibles. Think about the rebuilding costs of your home. How much will it cost to literally replace everything is your home and property is utterly destroyed? The current value of your home and the rebuilding price will not be the same. Try to estimate how much you will be able to afford to pay in deductibles in the worst case scenario and keep that in mind when doing house insurance comparison.

Here are some of the factors that affect the insurance quotes you will get:

• Home’s type of construction and age

• Location

• Credit score

• Deductible

• Certain risk factors (swimming pool, trampoline, aggressive dog breeds, etc… )

• Claims history

• Roofing material

• The yard / property / landscape

Older homes have a higher chance of something going wrong regarding the electric wiring, plumbing, HVAC systems, ceiling, and construction in general.

House Insurance Comparison of Coverage Types

There are certain things that general home insurance policies don’t cover. Make sure you know exactly what is covered and what isn’t before you make your choice. Sometimes it is the matter of gaps in the coverage, where the policy owner thought they were protected but either had incorrect or insufficient coverage. Such issues can be avoided by carefully reading over the terms of each quote you are provided with.

Flood insurance, for instance, isn’t always covered in basic policies. If you live in an older home and have concerns about plumbing, or live near a body of water, this is something you will definitely want to think about. All it takes is a few inches of water to utterly destroy your flooring and some of your furniture. Even a small stream can become a raging river if there is enough rain.

Discounts are sometimes available, especially if you install safety and security equipment.

Where can you get started with house insurance comparison? All you have to do is look into the unique insurance platform set up by Lemonade. It even has a neat AI bot that will help craft the perfect insurance for you. Get affordable, reasonable rates – especially if you use Lemonade House Insurance discounts.

Baby Boomers – How Far We Have Come!

Were you born between 1946 and 1964? Then, like my husband and I, you are one of the nearly 75 million Americans in the Baby Boomer Generation. Think of all the changes you have seen!

You were born just after the end of World War II, saw the Korean War begin and end and were there when the Vietnam War was waging. You were born during the term of one of these US presidents: Harry Truman, Dwight Eisenhower (remember “I Like Ike), John F. Kennedy (“Camelot”) or Lyndon Johnson (“Great Society”). You could buy a brand new car for just $1,400 and gas for that car cost 21 cents a gallon and milk was 70 cents a gallon. You could even buy a new home for $12,500 – with that amount, you can barely rent a house for a year now!

Those were the days when families were larger and lived in closer proximity to each other. Grandparents were nearby. Aunts and Uncles were close. Family holiday dinners would often include a large table crammed with food and people. When you went on a family picnic to the lake, you didn’t worry about locking your home when you left or locking your car when you were at the lake. Kids were allowed to go off and play without their parents worrying about them.

But the world has changed since then. Some changes have been good and some not so good. Back in the “good old days” we had to wash clothes using a wringer washer and hang them out on the line to dry. Now we have washers and dryers that are electronic and can do the washing and drying on their own. Can we buy a house for $12,500 now? Not hardly – we can’t even buy a good lot to put a house on for that amount of money. The average house price in the US is now $300,000! A new car costs around $30,000 and gasoline is nearly $2.50 a gallon. Good and bad, we have seen many changes.

What about entertainment back then? Back in the beginning of our Boomer generation, hardly anyone had a TV. Sitting around listening to the radio was a common evening occupation. When you got your first TV, you needed “rabbit ears” or an antenna to bring in a local station. Now, watching TV means watching a cable channel or even playing a game with your Xbox or PlayStation. Phones used to be large black monsters that sat on a hall table or hung from a wall. You shared your phone line with others – this is why it was called a “party line”. Now phones are pocket-sized, work from a satellite tower and act like a computer. Come to think of it, computers, which were non-existent in the “personal computer” form at the beginning of the boomer generation, are in the homes of most Americans today. All of these changes have led to Americans getting instantaneous information about activities around the world. Are these changes better or not? Sometimes we tend to think we are on “information overload”. I think the first time I saw so much information about just one subject was when President Kennedy was assassinated. If you are a Boomer, you probably remember exactly where you were and what you were doing on that date. I was in grade school, reading aloud from our Bible History book when the Nun who was the cook in the convent, came in and told our Nun what had happened. We all got down on our knees and prayed. Come to think of it, even prayer has disappeared from our schools in the name of “Political Correctness”.

The world of instantaneous information has brought with it information that gives us chances to think about, as well as fear for our safety. Random attacks occur around the world and we begin to wonder if we are safe anywhere. Our kids are killed in schools. People are killed in shopping malls. There are random shooting in almost every community. Entire families are devastated by these losses. We worry about our families and how we can protect them.

Do we need to carry guns? The gun laws are so twisted that if we use a gun for self-defense, we face the possibility of a lawsuit. Perhaps we should consider non-lethal options such as stun guns or pepper sprays or even loud alarms or lights, to stop an attack. The choice is yours to make.

So, Baby Boomers have seen a lot of changes in their years. Some have been good and some bad. We do see a need to keep our families safe from different dangers than we knew in the past. But, as we have always done, we will adapt!

I will be back with more information and safety ideas for us Baby Boomers. Hope to see you then.

Are You Prepared, To Sell, Your Home?

For a variety of reasons, and purposes, individuals decide, the time, is right, to relocate, and, thus, sell their existing home. How someone might be prepared, often, makes a significant difference, in the entire process, and this preparation must combine, emotional, financial, introspective/ objective, and the ability to listen, to the professional, real estate agent, you choose, and hire. With that in mind, this article will attempt to briefly consider, review, and discuss, some essential components/ necessities, in preparing to sell your home, and end – up, with the best possible results, with a minimum of hassle, and get the best – available price.

1. Why are you moving?: Consider your reasons, personal needs and objectives, priorities, and purposes, in making this important decision. Are you moving, for financial reasons, personal ones, a combination of both, or some other reason? Either way, you should be seeking, obtaining, the highest available price, in the shortest period of time, with a minimum of stress/ hassle!

2. Getting the house ready/ prepared: Begin with reducing clutter, significantly. Decide what you need, and do not, and sort accordingly. Whatever is unnecessary/ needed, proceed to dispose of, either by giving things away to the needy, etc, and/ or throwing – out! With other clutter, box it up, and put it away, into storage. At the same time, consult with a professional, and reduce the amount and type of furniture, so you are staging, for optimum results. Put the excess stuff, temporarily into storage, also. How about the window coverings/ shades? Do they show, your house, to its best advantage? Objectively examine walls and flaws, and enhance, in an inexpensive, cosmetic manner, by shampooing carpets, cleaning and polishing wood flaws, enhancing tile, etc, thoroughly cleaning the entire house, and painting, with neutral colors, in all appropriate, needed areas. Remember, you only get one chance, to make a quality, first impression!

3. Choosing/ hiring the right real estate agent: What do you seek, in your real estate professional? Have a thorough discussion, and interview, several, so you choose, the individual, best – suited, for you, and your needs! Be certain, you’re on the same – page, with the person, you hire! Beware, you need someone, who will explain his pricing philosophy, and why he believes, you need, to price your house right, from the start!

4. Pricing: Don’t be persuaded to price something high, because, in most cases, houses, obtain their best offers, in the first few weeks, after being put, on the marker, so, price it right, from the start! Make your decision, based on, a Competitive Market Analysis (or CMA).

The better you prepare, the easier the process of selling your home, becomes. A wise homeowner, realizes, the house’s value is usually his single – biggest financial asset, so he, proceeds wisely, and using common sense!

Tips for Selling Your Home By Owner

You can be successful at selling your home without a real estate agent if you do your research and put in a little work, you’ll be selling your home in no time, without pricey real estate agent fees.

Prepare your Home For Sale

Any potential buyer will be hiring a home inspector to find problems with the house before closing. Prevent buyers from unexpected delays, backing out the sale, or negotiating for a lower price by hiring your own inspector at the beginning of the process. Knowing what to expect going in will give you a chance to fix problems now, offer full disclosure to buyers, and strengthen your negotiating position.

Pricing Research

Pricing your home too high will make it difficult to sell, while pricing too low means less money in your pocket. Compare your home to others already on the market and with recent sales in your neighborhood. Take into account special features your home has. You may want to consider getting your home professionally appraised ahead of time to remove uncertainty and give you a stronger negotiating position.

Don’t Leave A Mess

Keep your home clean and organized when preparing to show it to buyers. If you’ve accumulated a lot of clutter over the years, now’s the time to clear it out. Having less furniture and clutter will make your home look larger, which is a big plus to potential buyers.

Market Your Home On The Internet

The National Association of Realtors reports that 93% of buyers begin the house hunting process on the internet. There are many different real estate listing sites available online. Doing a simple search of “for sale by owner” is a good way to find the websites online where you can list the details of your home. Popular online classified sites such as Craigslist are updated minute by minute with new listings. Getting on all these sites will get your house ‘found’ by buyers looking on the internet. Take a good amount of high quality photos that show off your home’s best features and list as many details as possible. Buyers are much more likely to consider a home with precise descriptions and plentiful pictures.

Hire a Real Estate Attorney

Real estate contract law is complex and should be handled by a professional to ensure everything is legal and binding. You want to make sure all the paperwork is in order and that your closing goes smoothly.

Don’t Get Impatient or Give Up

I can hear you now. “But I want to sell my house fast.” The fact is, selling a home by owner can take a little longer, but the good news is, you’ll be able to save some money. You may however, need to lower your asking price, make changes to your marketing strategy or make some repairs. If your home has significant damage or needs to be sold quickly, try a we buy houses company. This may mean that you don’t get as much as you had hoped for your home, but will get your house sold faster.