Monday, October 2, 2017

Today's Quick Tip



October is Fire Safety Month

Smoke and carbon monoxide alarms need to be replaced every 10 years. Have you check yours? Don't forget to check those batteries too!

Review and Giveaway: Tree Free Greeting Cards (Canada only)

Review by : Cynthia



Are you looking to brighten someone's day? Then send them a greeting card- with beautiful matching envelope, one from Tree Free Greetings Canada.





"Tree Free Greetings Canada has awesome cards.  I have bought them for years. The card displays are right in plain view in our Canadian Tire Store.  The designs are bright and attractively done, and even the envelopes speak for themselves as they travel through the mail.  I love sending cards to my grown grandchildren all over, or my friends in faraway places.  Even though we use e-mails often, there is nothing nicer than a card sent via snail mail with a few hand written words.  I will continue to buy them, and give the company an A+ on their designs."

Tree-Free Greetings are distributed in Canada by MapArt Publishing.  Cards are printed in Canada using post consumer materials and using vegetable inks. Save Canadian Trees and Jobs by choosing Tree-Free.  A Fall 2017 catalog can be viewed online here.


Tree Free Greetings Canada would love to giveaway to one of our Canadian readers, an assortment of cards from their card library, with a retail value of approx. $120.

A random draw will be held by Random.org on October 15, 2017 from all Canadian entries received.

To Enter:
Let us know if you have heard of Tree Free Greeting cards before this review.


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Best of luck to all!

Avoid These Mistakes At All Costs When Buying Property


People who plan to purchase their first home run the risk of making many mistakes. That is because they have no experience in the process, and so they could fall victim of many common issues. Those who want to ensure the procedure goes as smoothly as possible should consider some of the advice from this article. Today, you’re going to read about some mistakes that thousands of other buyers made in the past. Hopefully, learning about them now will assist you in walking a better path in the future. Of course, most of these oversights and errors are not the end of the world. Still, everyone could do without the hassle when they’re moving into their first house.


Not taking an in-depth look at the market

Firstly, lots of people rush into home purchases because they’re excited about the idea of owning property. However, selecting the first house you view is a terrible move. There are thousands of properties available on the market today in many different areas of the country. So, it’s essential that all buyers research as much as possible before they sign on the dotted line. That is because it’s often possible to get somewhere much bigger for the same amount of money if you shop around. That is why all potential buyers must make sure they conduct a lot of research. So, be sure to:

  • Use the internet to search for homes
  • Contact multiple real estate agents
  • Consider various locations or towns

People who do that should manage to get a better perspective of what their money can afford in different places. Hopefully, that should help individuals and couples to make better decisions and ensure they don’t end up with a house that doesn’t meet their expectations.


Not paying for building checks

The single worst thing anyone can do when buying property is to overlook building checks. There are lots of professionals out there who will come and take a look at the structure before assessing for a small fee. Their expertise is invaluable because it could prevent you from wasting cash on a house that will require extensive repairs in the future. Most building specialists will check for things like:

  • Mold
  • Bug infestations
  • Structural integrity
  • Leaks

If the assessor comes back and says the property is safe and fit for human habitation, you can move forward with the arrangement. However, if there are lots of problems the owners did not disclose, you should probably look elsewhere.


Not asking the seller about their chain

Many buyers make the mistake of not asking the seller if they are involved in a chain of any kind. That is an awful move because the situation could affect the buying and moving process. Some home sellers can’t move out of their homes anytime soon because they made an offer on another property, but they have to wait for something. Most home transactions form a chain, but some are more troublesome than others. So, be sure to ask for full disclosure before you make any offers on the property. Problems in the chain could:

  • Slow down the buying process
  • Stop you from moving into the home
  • Cost more in legal fees

Those who choose to purchase a brand new house from developers should never have to worry about issues of that nature.


Not using a mortgage calculator

It’s critical that all new homeowners understand the monthly cost of their mortgage before signing on the dotted line. People who don’t use a home loan calculator could struggle to make the repayments, and that could cause many problems. The last thing anyone wants is to lose their new house after only living there for a couple of months. That is especially the case if they had a moving-in party and asked lots of friends and relatives to assist with the relocation. So, do yourself a favour and make sure you always perform some calculations to ensure you grasp the nature of the debt. Calculators of that nature are often available on:

  • Property websites
  • Comparison sites
  • Bank websites
  • Private lender’s websites

Most banks will also perform an affordability assessment before they make a mortgage offer. So, be sure to provide them with accurate information to ensure they don’t give you more cash than you can afford to pay back.


Not researching the local area

All potential homeowners should spend time reading as much as possible about the local area before they agree to move. Thankfully, most of the information people will require is freely available online. However, nothing is wrong with knocking on a few doors and asking the neighbours about their view of the town. Use the internet to discover:


Once you have all that information, it’s much easier to know if you’re making the right decision or not. That research is exceptionally significant if you’re moving somewhere completely different where you’ve never spent time in the past.


Not employing a legal expert

There is no getting away from the fact that buyers will have to hire the services of an experienced property lawyer if they want to navigate the process with ease. People in that profession know how to deal with the legal and paperwork side of things. So, they will perform all the hard work on your behalf. Those specialists are also in the perfect position to highlight if anything seems wrong with the arrangement. Sure, lawyers charge a premium for their services, but that shouldn’t matter too much when you’re on the verge of applying for a life-long debt. A couple of thousand extra isn’t going to make much difference to anyone. A decent solicitor will:

  • Deal with all the paperwork
  • Arrange the building checks
  • Transfer the money
  • Transfer the deeds of the house

If you’re not ready to invest in your first home, be sure to save this post and reread it in the future. With a bit of luck, anyone who does that will make the right decisions and avoid all the stumbling blocks that affect others. Moving into your first home is probably one of the most exciting days of your life. So, make sure you don’t ruin the occasion by overlooking any of the advice published here.