Cheryl Caldwell - William Raveis - The Dolores Person Group



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