The Daniels Team's Blog
The daily commute can be a daily grind. What if you could commute and get a workout in at the same time? You can if you take on the task of commuting by bicycle. Whether you’re established in your current neighborhood or searching for a new home, you should always consider your location in relationship to your work in addition to your preferred mode of transportation. Especially in regions where the weather is nice the whole year through, you’ll want to check on your options for commuting by bike. Below, you’ll find some tips that can make commuting to work by bicycle from your home a bit easier.
Depending on weather conditions, you’ll need to plan ahead. If you have a longer commute, you’ll most likely need to bring a change of clothes to work. You don’t want to spend an entire day at the office in sweaty, smelly clothes. If you need to dress professionally, you should plan to bring clothing that won’t wrinkle easily. Also keep some items to help you freshen up in your work bag including deodorant and wipes. As temperatures get warmer throughout the year, this will become ever important. If the weather looks like it might rain, you might want to bring additional gear or just skip the commute by bike altogether on those days. You can even store some spare clothing or toiletries in your desk in case you forget to pack something one day.
Have A Space To Keep Your Bike
Both at home and at work, you’ll need to find a spot to keep your bike. It’s important to find a place where the bike will be secure and is able to be locked down. Depending upon the type of area you work in, you’d hate to ride to work on your bike only to find out that when you’re ready to return home your bike has been stolen. Your bicycle should also have a convenient location where you can store it around your home as well.
Keep In Mind That You Still Could Encounter Problems
Even though you’re riding a bike and not driving a car, you can still encounter problems on your ride to and from work. Hit one bump the wrong way and you’ll end up with a flat tire. This means that you’ll need to have a kit ready in case of any kind of issues that you encounter during your commute. Keep this commuter kit with your work things so that you don’t need to worry about where the spare tubes and bicycle pump are.
When you choose a commuter friendly neighborhood, you’ll be surprised at how much fun and how easy commuting to and from work by bicycle can be. Just heed some convenience and safety tips and you’ll be well on your way to a good workout to and from work.
A home is one of the biggest purchases that an individual can make in his or her lifetime. It also may prove to be expensive, particularly for those who fail to plan ahead for the property buying journey.
There is no need to break your budget to acquire your dream residence. In fact, there are many quick, easy ways to guarantee you can keep you finances in check and avoid the risk of spending too much to purchase your ideal house.
Now, let's take a look at three tips to ensure you can buy a quality house at a budget-friendly price.
1. Get Pre-Approved for a Mortgage
You want to buy a home, but you still have no idea how much you can spend on a residence. Thankfully, if you get pre-approved for a mortgage, you can enter the real estate market with a budget in hand. As a result, you will know exactly how much you can spend on a house and can plan accordingly.
Banks and credit unions employ friendly, knowledgeable mortgage specialists who are happy to meet with you. These mortgage specialists can review your income, credit score and other relevant financial data. Then, they can provide you with mortgage options based on your finances.
2. Narrow Your Home Search
Although most people want to buy a mansion, it is important to establish realistic homebuying expectations. Because if you narrow your home search to properties that fall within your price range, you can speed up the property buying journey. Perhaps most important, you can shop around to find a terrific home that corresponds to your budget.
Don't forget to consider homes in a variety of cities and towns too. In some instances, it may prove to be more cost-effective to purchase a house in a small town than a residence in a big city.
3. Evaluate Your Short- and Long-Term Plans
Think about your short- and long-term plans, and you may be better equipped than ever before to map out your home finances for the foreseeable future.
For instance, if you plan to raise a family in the years to come, you may want to consider the costs associated with childcare and other child expenses. This will allow you to budget properly as you search for your dream home.
On the other hand, if you recently accepted a work promotion, your income soon may rise. In this situation, you may be able to increase your homebuying budget due to the fact that extra income will be coming your way.
Lastly, as you get ready to search for a house, you may want to hire a real estate agent. In addition to helping you find a home that matches your budget, a real estate agent will offer expert guidance throughout the property buying journey. He or she will help you prepare for a home inspection, closing and other important steps during the homebuying process. By doing so, a real estate agent will help you seamlessly navigate the homebuying journey and achieve the optimal results.
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Putting an offer on a home is an exciting event. You don’t want to get so excited that you overlook the important factors that go into buying a home. Follow the tips below before you put an offer on a property.
In order to come up with a price to offer on a home, you need to do some research. You should have a general understanding of the local market. Although your realtor will have a good grasp on this, it’s always a good idea to be an informed buyer. You can work with your realtor to find the right price. You don’t want to blurt out a number that is completely out of line for the neighborhood or market conditions.
A good place to start is by taking a look at what the homes in the the neighborhood are selling for. You can also look at what homes in the area have recently sold for. The advantage to hiring a realtor is that they have easy access to all of this research and information. Be sure that the properties that you look at are comparable to the one that you hope to put an offer on. You can even do this ahead of time if you have an idea of what kind of property you’re looking to buy.
Another useful tool in the research part of making a offer is the history of the property. When did the seller purchase the property? At what price? If the seller has moved in more recently, you may have some wiggle room for negotiations.
Getting pre-approved gives you some buying power. First, you’ll know how much house you can afford. Next, you’ll know that a lender is dedicated to lending you that amount to buy a home. Your offer will be taken more seriously if you have been pre-approved because the seller will know that you can get the funds to purchase the home.
Get The Help Of A Realtor
When you hire a realtor, you’re getting the agent along with the team of people that they work with. Realtors can recommend you to everyone from home inspectors real estate attorneys. An attorney is an especially helpful advocate in the process of buying a home because they can check to be sure that your offer meets the legal requirements within your state and protect your interests as a buyer.
The attorney will also look at the purchase agreement for the home. This will include all of the details of the property transaction:
- The date of the offer
- The address and property description
- Amount offered for the home
- Loan details including the down payment amount
- The closing date
- Any contingencies
These will all be very important to you as a buyer and a lawyer make sure that everything is legally sound will be a great protection for you.
Now, you’ll be ready to seal the deal!