Step Moving Companies – Choosing the Best

When you are moving, you want to make sure that your possessions are safe, that they are going to arrive at your new home undamaged, but how do you make sure this happens? One way is to move your possessions yourself but if you have a lot of stuff to move or you are moving to another state moving everything yourself might not be possible without hiring a moving company.

The first step is to sort through your household stuff and divide it into three categories, which would include items to be given away, items to be sold, and items to move. This will help you know just how much stuff you have to move so you would know what type of mover you would need to hire. When you either sell or give away things that you do not need you will be getting rid of things and not taking it with you to store in your new home.

To find a good mover talk to family, friends, neighbors, or co-workers to see if they know of a reputable moving company they can recommend. If possible it is better to hire a moving company that someone recommends than to hire one from a listing in the phone book or from an online search. With a recommendation, you know that they will give you good service. Even if you have a recommendation it is best to check with several moving companies to sure that you are getting a reputable company and the best deal. When talking to the moving companies ask them how many years they have been in business, and what amenities they offer. You should inquire how long it would take them to move your household goods to the new home. You also want to make sure that they have the required licenses.

Make sure that the company is regulated by calling the state transportation department. You should also check with the Better Business Bureau to see there were any complaints filled against the moving company. Doing these things should give you an idea of how trustworthy and reliable they are. Next call and get an estimate of three or four companies. This estimate should include packing fee, storage fees, insurance, surcharges, and more.

Some moving companies will give you a non-binding or binding estimate. With a binding estimate, it includes all costs with no additional charges. In a non-binding estimate, as much as ten percent or more can change on the original estimate. Once you have the estimates compare all the companies and choose the one with the best services for the best rates. Make sure that you get a copy of the estimate before signing the contract.

Get Your Car Ready To Sell

If you are looking to offload a vehicle that you no longer want, need or have room for, it is important to make sure that the car is in excellent condition. Not only will this help you fetch a reasonable sales price, but it will additionally help you avoid a number of problems with future owners. Following are several steps that you should take before officially offering your auto on the market.

Take Your Car In For A Tune-Up

If you have been diligent about maintaining a vehicle throughout the years, you probably have regularly scheduled tune-ups according to the recommendations of a trusted mechanic. If you haven’t, now is definitely the time to get one. You don’t want developing problems or unexpected ones to rear their heads when prospective buyers are inspecting the merchandise. During a tune-up your mechanic will:

– Search for and replaced worn or damaged hoses and other connections

– Change all fluids

– Inspect your brakes, brake pads and tyres

– Inspect all systems and their components for signs of breakage or other problems

– Make sure that your care is capable of meeting emissions standards as per your area

These inspections and repairs are critical for keeping cars working like they should. They also give professionals a chance to spot minor issues and resolve them, before these problems start to spiral out of control. Many buyers will pay good money for cars that have received regularly scheduled tune-ups. Having these services performed in advance of a sale will usually increase the overall marketability of cars.

Depersonalise The Vehicle

The next step in this process is to depersonalise the auto. This is especially important to do if you have added a lot of custom parts and accessories. Your car will be a lot easier to offload if it has a basic look that people can alter to suit their own personalities, preferences and needs. If you have added on aftermarket parts, make sure that the price of the auto reflects these. You also have the option of removing these additions and selling them separately.

When taking miscellaneous, personal items out, make sure to check under the seats and in any cracks or gaps that exist. Take out car seats and check between seat cushions. You may be surprised at what you find hidden in hard-to-reach spaces when you take the time to look.

Collect All Maintenance Documents

Let prospective buyers know just how carefully you have maintained your vehicle. Make a folder that contains all of the receipts or invoices that you have collected during your time as owner that show the different mechanical services that have been performed. Not only can you share these with prospective buyers as evidence of your diligence, but new owners can use these documents to access any warranties that still exist on the related parts and labor.

Check The Tyres

Tyres are a relatively inexpensive automotive component to upgrade and fix. Despite this fact, they are one aspect of autos that nearly all buyers take the time to inspect. If these look good, the overall opinion of the vehicle will be good as well. Thus, before meeting with interested investors, be sure to take advantage of tyre replacement services as well.

Buying Foreclosure Properties

Buying Foreclosure Properties

Definition:

“A foreclosure property is a piece of real estate that a mortgage lender sells to pay off a defaulted mortgage loan. Every foreclosure culminates in a public auction where the lender sells the property and anybody can purchase the property. Or you can purchase a foreclosure property from a bank after the bank purchases the property at the auction.”

The real estate market is showing increasing signs of recovering and there are great investment opportunities to be found. Home prices are still relatively stable and interest rates are still very attractive.

However, whether buying for a primary residence or for investment purposes, there are still some basic guidelines to follow when considering buying foreclosure properties.

Below are my 4 Buying Foreclosure Properties Tips

1. Work with a broker.

It does not matter if you are buying a foreclosure for investment or as a primary residence, it is really helpful to have a broker help with the process.

Neighbourhood is one of the most important factors when it comes to buying a home and a broker is worth their weight in gold when it comes to knowing the local real estate market.

2. Do the financial due diligence.

All we need to do is remember the real estate market crash to see why it is important to do a thorough financial due diligence when purchasing a home.

Be realistic about your budget and how much home you can really afford. If the home is an investment purchase, can you make the mortgage payment if you have to carry the mortgage for a few months?

That can happen with investment property so be sure you factor in at least six months of mortgage payments just in case.

Also factor in the cost of any repairs. This is especially true with foreclosure purchases which are often sold ‘as is’ which means they often need repairs.

Verify the condition of the property. Restore and repair costs add up on a total value of a home.

It is always best to purchase foreclosure properties that require minimal repairs, otherwise your profit margin shrinks.

3. Understand that every neighbourhood is local to that neighbourhood.

What this means is that what is selling in one area may not be selling just down the road, so you need to do your homework and check comparable homes in the area to know whether or not what you are buying is a good investment.

Get a proper assessment on the home you are considering purchasing.

Buying foreclosure properties will generally be thirty to forty percent discounted, so if a foreclosure home does not need major repairs and you can get it for a price that is well below the market value of similar homes in the same area, then you are probably making a good investment.

4. Try and find foreclosures that are bank and creditor owned.

These properties are where you can most likely get the best deal because banks are not in the business of owning property so want to sell these types of properties and will often do so at a much discounted price.

Investing in foreclosure properties can be a very smart move, especially in the current real estate market.

With housing prices still relatively stable and interest rates still very attractive, there are many good opportunities for investment available.

When considering buying foreclosure properties, it pays to research the property and to do the financial due diligence in order to verify the quality of the property and financing.

Best Deals on the Home Furnishings You Want

Most furniture stores offer a variety of great items for any room in your home. It can be fun to shop around and compare both options and prices. Take your time to get exactly what you want for a price that is going to work with your allotted budget. You can buy individual items or you can buy complete sets.

Don’t wait until you absolutely have to replace something though. If you do, you will feel stressed and rushed to make a purchase. This is going to result in you paying more because you don’t have time to look around. Start planning early to get the best choices and to really love what you will have in your home.

Sales

If you play your cards right, you will never pay full price for your furnishings. Instead, you can shop around and look for furniture stores offering very good sales. Make sure they really are giving you a deal though. Sadly, some stores will mark up prices and then put them on sale. This lower price is still more than you would pay for the same items somewhere else.

Clearance

Items are often on clearance at furniture stores to make room for the new merchandise. There is nothing wrong with those items, they are just older. They still have plenty of value and you may find something that gets your attention. This is a very simple way to save money on wonderful items for your home.

Save Money with a Set

Most furniture stores give you significant savings when you buy a set versus buying only one or two items. Think about this when you are shopping around. For example, if you want to get a couch, you may get a terrific deal to buy a couch with a matching loveseat. If you need a coffee table, you may find a wonderful price on a set with two end tables as well.

Free Shipping

Avoid paying to have your items delivered to you. Look for furniture stores that offer free shipping. The savings can add up quickly so don’t overlook this very important detail. Depending on what you buy from them, they may be willing to haul away your old items for free or a low price. It is a good idea to check into this as it will save you hauling them off.

Warranty

You need furnishings that look nice, they are fully functional, and they hold up well. Look for furniture stores offering quality items. You don’t want to pay for something that isn’t sturdy or from materials that simply aren’t going to hold up. Those companies offering a warranty on the items they sell are also encouraging. It means they believe in what they sell to you!

Financing

If you don’t have the money up front to buy home furnishings, you may be tempted to put it all on a credit card. Yet this can come with high interest with it and take time to pay it off. Many companies offer in house financing. The interest is often less than your credit cards. Some have special promotions too such as 0% interest as long as you pay off the balance.

You will have a specific period of time to pay it all in full. After that time passes, any balance you have left will be charged interest. This type of offer can help you to get the furniture you want not and not have to pay anything extra for it just by paying that balance early enough. The timeframe can vary but some are as long as 24 months.