Cheryl Caldwell - William Raveis - The Dolores Person Group



Posted by Cheryl Caldwell on 12/4/2020

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 Photo by Erika Wittlieb via Pixabay

Have you ever made a move across the country? While this is a huge step, it can be extremely rewarding. Whether you’re moving for a job or you just want a fresh start, the whole process can be stressful and very expensive. However, there are some tips to consider that can help to ease the stress and simplify the process.

Timing is Key

While you may think that you can move at any time, you should be strategic on when you move—if you want to save the most money. Holidays, weekends and at the end of the month are the busiest — and most expensive — times to move, so choose wisely in this regard. To score the best savings, try to move during the week and before the month of May or after the month of September. These are the times when moving is extremely common, so the moving industry will ramp up costs during these times. You want to also ensure that you are 100% ready by the time of your move. Try to think about everything that needs to be done, then set a time for your departure.

Lighten Your Load

When preparing for your cross-country move, it’s also very beneficial to get rid of junk that you don’t need. Consider your necessities and throw away things that you never use. This step can be the deciding factor between renting a truck or taking your own car across the country. Renting a vehicle for a long-distance move can cost over $1,000, so it’s important to cut costs if possible. Be sure to go through boxes, throw away junk, and compact your belongings as much as possible.

Pack Your Own Food

Driving across the states for your move can take days. And if you’re driving a moving truck with all of your belongings, then this journey can take even longer. That being said, you’ll need to make eating and sleeping arrangements. Unfortunately, these expenses can really add up quickly, especially since you’ll need money for multiple meals and multiple nights on the road. Therefore, to save a little cash, be sure to pack food for the drive. Not only can this help you save as you’re adventuring from state to state, but it can also help you save on time. Rather than stopping every few hours to get a quick bite, you can conveniently eat while you drive or pull off the road for a few minutes.

Moving across the country can take a toll emotionally, mentally and physically. And if you’re doing it alone, this journey can be even more stressful. But by focusing on the three tips mentioned above, you can rest easy knowing that you’re well-prepared for this life-changing adventure.




Categories: Buying  


Posted by Cheryl Caldwell on 6/19/2020

Photo by Erda Estremera on Unsplash

Does anyone look forward to moving? Sure, it's exciting to relocate to a new home, a new city and/or a new neighborhood, but the physical act of getting your belongings from one place to another can often be time-consuming and stressful. The good news is there are steps you can take to make this process easier. It goes without saying that you should start as early as possible. In addition, keep the following tips in mind.

1. Use this opportunity to de-clutter.

Moving is a great time to rid your household of those items you seldom or never use. Whether it's collections, books, clothing or sporting equipment, take a close look at the items you're packing and make a pile to send to a local charity, to sell or to give away to friends or family members. You'll be grateful when you have less to unpack and find homes for in your new residence.

2. Label your boxes with colorful paper for easy sorting.

Create a color-coded system for each room of your home. Label your boxes with a colored paper so you'll know easily which room they belong in when you get to the new house. Sticky notes are a great option because they come in a variety of bright colors. Be sure to mark at least two sides on each box and secure the labels with some extra tape so they stay in place during transit.

3. Use small boxes for heavy items.

While it's tempting to fill large boxes to the brim, these can be back-breaking to carry from the house to the truck and into the new place. Instead, opt for small boxes for things like books, dishes, kitchenware and other heavy items. One book or one plate isn't very heavy but an entire set of them can be extremely difficult to lift.

4. Pack a moving day emergency box

Whether you are moving with or without a professional mover, you'll want to pack a box with your essential items and keep it with you. This can include glasses, phones and chargers, prescriptions, toiletries, important documents, cleaning products, a change of clothes for all family members and even a set of plates and utensils to use until you get all of your kitchen boxes unpacked.

Moving your household belongings doesn't have to be something to dread. Make your move less stressful by de-cluttering your rooms and closets before you move, marking your boxes so you know where to put them in the new house and making sure to pack an emergency essentials box.




Categories: Buying  


Posted by Cheryl Caldwell on 4/3/2020

Image by mohamed Hassan from Pixabay

Buying a home can be one of the best decisions you’ll ever make. However, deciding if you should rent or buy your next home can be a very difficult decision. But once you understand the benefits of owning a home, you can have confidence as you move through the home-buying process.

You Can Save Tons

Buying a home is usually a good investment. That’s because home values continue to rise, while rent prices are also reaching higher levels. So whether you plan on living in a home full-time or you decide to make it a rental property, buying a home can be a smart financial decision. This is even more true if you keep the home for a long period of time. If you look at the data, home prices have skyrocketed dramatically. Back in the 1940s, the average price of a home was around $30,000, according to The U.S. Census Bureau. In the year 2000, that jumped to nearly $120,000. While there aren’t many people who still have a house from the 1940s, this example shows you how home value can increase over a period of time. That being said, buying a home and keeping it around can do wonders for your wallet.

There Are Tax Breaks

While it depends on your individual situation, mortgage interest and certain closing costs are typically tax-deductible. Furthermore, these tax breaks are higher early on in homeownership given the high-interest payments. In addition, mortgage insurance and property taxes might also be tax-deductible. This provides a huge benefit to homeownership, but things get even better: once you decide to sell your home, you can make up to $250,000 in profit and all of that is tax-free. Tax breaks add comfort for homeowners and provide key incentives that be very worthwhile.

It Can Improve Your Credit Score

Another key benefit that comes with homeownership is that you can improve your credit score. This is especially true for those who don’t have a long credit history or many installment accounts. Paying your mortgage shows that you’re a responsible borrower and that you can be trusted. Also, credit bureaus will reward you more for mortgage payments compared to payments for credit cards, student loans, etc. Additionally, very few landlords will report rental payments, so you’re not doing any favors for your credit score by paying rent every month.

Homeownership can be a scary thought, but understanding the benefits involved can help you make the right choice for your needs.




Categories: Buying  




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