Buying A Home Security System

Buying a home security system and key items you will need to consider.

Crime rates are on the rise in U.S. and some crimes include violent attacks on people inside their homes. You may ask what makes a person a victim of such attacks. People can be attacked because the thief thought you were not home and surprise him, drugs and alcohol also play a part in violent crimes by stirring up a rage like behavior. Other threats inside your home is fire and carbon monoxide poisoning and can more deadly then anything else. When buying a home security system include all the things you will need to make your home safe as possible. You will never be disappointed having protection.

If my friends had a working home security system it may have saved them the grief of losing their precious family heirlooms, valuable tools and several household items. Not to mention the emotional stress from feeling violated by the robbery. If they would have kept their system updated and done the annual maintenance they could have avoided this terrible situation. Their system was installed when they built their home in 1991 and had not done any maintenance or did they have it monitored. Simple having a home security system installed does not provide protection.

The following are devices that can add the protection you will need to feel safe in your own home.

Smoke detectors: These detectors monitor 24 hours a day every day. If you are home or away it will protect you against some one intentionally setting a fire, children playing with fire and accidental fires too. Smoke detectors that are monitored will notify the fire department. This device is not necessarily going to protect all your personal valuables but it will help save lives.

Carbon Monoxide detectors: Your home will be protected the same a smoke detector and will have benefit of protecting you and your family from a danger that you can not see or smell. These dangers can from your stove, furnace, water heaters, fireplaces and garages. Carbon Monoxide is deadly.

Burglar alarm: Install sensors that can be mounted into your doors that will alert you and your family when some tries to break in. Secure windows with glass breaking technology so an alarm will sound when glass is broken or tampered with. Don’t forget to arm garage doors and back entrances too.

Panic buttons: Most home security systems have panic or alert buttons you can activate in a moment with you believe you have an intruder in the house or you see something suspicious outside your home. You can determine different codes to input based on the situation, such as being held against your will or an intruder is present in your home.

Lighting: Criminals hate light and can be one of your best protectors, having your lights on a timer can be beneficial when you are on vacation, home alone or simply as a deterrent to criminals. It is highly recommended to include this type of device when buying a home security system.

If you have an older version of a home security system this is the time to upgrade. Wireless home security systems are now common place among home security systems and can be easily installed.

Ralph Winn. 35 years in the Security System industry. Home Security and Alarm Monitoring tips.

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Buying A Home – 5 Neighborhood Features You Need To Know

Do you know how important the location is when buying a home? Buying into a good location can significantly boost the resale value of your home. Not only will you profit more from the increased value, but you’ll have an easier time selling it as more home buyers are willing to buy it. But if you decide to purchase a home in a less searched for location, expect your resale value to be a lot less. Let’s go into detail over the 5 neighborhood criteria that can boost the resale value of your property:

1) Local School District – Higher rated public school districts increase the demand for homes in that community. If you plan on sending your kids to the local public schools, you’ll want to put this at the top of your criteria for the ideal neighborhood. If you’ll be using a private school for your children, this feature may not be so important.

2) Local Crime Rate – Who wouldn’t want to live in a city with low crime? While this may be high on your list of desirable neighborhoods, be prepared to sacrifice more in travel time to work and other daily activities. You’ll find rural areas to have a lot less crime than the crowded metropolitan areas.

3) Quality of Shopping and Amenities – You’ll find that communities with a greater variety of shopping and activities attract more homebuyers to that area. This in turn increases the resale value of homes in that community.

4) Square Footage of the Home – While it may be tempting to buy a home with the largest square footage for the money, be aware that a large home situated in a community of smaller homes tends to appreciate slower. Most home buyers attracted to that community will be searching for smaller sized homes to fit their budget. Buyers who want a larger sized home, will prefer to purchase one that matches the surrounding community. Homes with an unusual remodel can also stand out like a sore thumb.

5) Is It Up and Coming? – Lastly, check to see if the neighborhood is showing signs of improvement. Drive the area to see if homes are being remodeled, have new landscaping, or if new trendy stores are opening. You can also check with the local city planning department to see if there are plans for future redevelopment in the area. If you time it just right, you could get in on the ground floor of an up and coming neighborhood. This will definitely have a positive impact on the resale value of your home.

Are you searching Orange Homes For Sale? Then check out these local Orange realtors to help you find one.

Psst… Tell Your Kids That Buying A Home Is Easier Than They Think! Series Part I

We encourage our kids to plan for their future, but we seldom include buying a first home sooner than average as a path to building that future. Let them know buying a home is easier than they think.

Most of the people who read this column are not first time homebuyers. The fact of the matter is many of you that are first time homebuyers and reading this article are relatively mature individuals who are fighting off your commitment fears of being tied to a mortgage. But there is a huge segment of the population that could buy their first home, yet it doesn’t occur to them to do so. Who are these people? Well, it’s your 24 year old son or daughter, new to the work force, and is throwing away money on rent somewhere. Encouraging your children to buy a home when they are young is some of the soundest financial advice you can give them. Equity in a home is an easy way to grow one’s portfolio with very little investment. But the fact of the matter is it doesn’t occur to most of us to encourage the younger generation to buy early in their lives. And trust me, it rarely occurs to our kids themselves to consider buying a home in the early twenties. They are more concerned with buying a new Halo 3 for their Xbox.

Why do so many people miss the boat on this opportunity? It could be they plan to be in the area for only a short time because they will job hop to advance their career, thus viewing a mortgage as “too permanent.” I counter to simply sell the house when you move. Or maybe they expect their income to double or triple over the next three years. I say buy a home now, then upgrade to a new home; sell or rent the old house. Investing in real estate is a proven, safe and solid return on investment. And with the right combination of credit history (or a history of paying utilities, cable and your cell phone on time) and no money down, you or someone you care about can start investing in the future.

When Junior starts his new job at the company and 401(K) is available, he’s been informed by his folks, boss or peers to enroll and contribute at least a little something to it with every paycheck. Yet, he is rarely counseled quit renting that apartment for $ 750 a month and buy a $ 75,000 house. Where will he come up with the money to do it? There are multiple options for first time buyers that allow for 100% financing. Get the seller to kick in closing costs (up to 6% of sales price with some products), and one can close on a loan and bring no funds to the table. If your home value appreciates 4% in the next year, that’s a nice return on a no cash investment.

For some time, I’ve considered writing this series for first time buyers to let them know buying a home is easier than they think. But, the more I thought about it, the more I realized the advice I would offer would most likely not reach my target audience. So parents, it is up to you to supply your kids with this last little bit of advice and help to set them free to further establish their independence in this world. Clip this article out and tape it to their iPOD or the steering wheel of their car – someplace it will get noticed.

I think for most of us who have been through the experience, our first home buy was a very daunting experience. There are so many choices and unknowns – it can be overwhelming. In this series, I will try to break it down the process into small logical steps and make it easier understand the steps involved in financing your first home. Where do you start? That is perhaps the easiest part. Our newly established worker should first make a list of all his or her debt obligations such as student loans (unless deferred), car payments, credit card debt, etc. Hopefully at this age, this will be a small list. Then add what you think amount you could afford for a mortgage. Take that amount and divide it by your gross monthly income. If you come in at 43% or less, you’re in business. If you have something in your savings or checking – great. If not, don’t let it deter you. You have options.

Contact a mortgage specialist to drill out the details and find a good realtor who knows your market for housing you can afford. What next? Get ready to tell your landlord “Adios!.”

Email your home loan financing questions to Kristin Abouelata, Home Loan Specialist, at question@kristinmortgage.com or call (865) 567-0113. Kristin will try to answer all questions on her website Home Loans Plain Talk.

Buying A New Home In Palm Coast, Florida

If you are thinking of buying a new home in Florida, Palm Coast is a city worth considering. Nestled amid the wooded beauty and natural wetlands of Florida’s East coast, Palm Coast is a growing city of more than 50,000 residents. Palm Coast offers all the amenities of city life with a small town feel. Our welcoming community and careful city planning give you a sense of Old Florida without sacrificing convenience.

Beautiful weather, numerous amenities and activities such as golf, tennis, boating, fishing, and more, pristine beaches, proximity to state and local parks, and exciting Florida cities; Palm coast has something for everyone.

Tips for the new home buyer

Just as you would in any other city, it pays to do plenty of research before you buy your new Palm Coast home. Explore the city, visit the Chamber of Commerce, and read the local papers. Decide which Palm Coast neighborhood provides the amenities you desire, including proximity to work, schools, medical care, shopping, parks and other recreational activities.

Buying an existing home

Carefully consider whether you would like to purchase an existing home or if you would like to have a custom home built. If you decide to purchase an existing home, and there are homes for sale in your desired neighborhood, either call the listing realtors, or find a realtor you would like to work with exclusively. Make sure you find a realtor you are comfortable with and who inspires your confidence. This is the person who will be guiding you through your home buying process, especially if you purchase an existing home, so choose carefully.

Potential pitfalls of an existing home purchase

When buying an existing home in Palm Coast, or anywhere else in Florida, there are several things you need to look out for. First, carefully consider the age of the home you are looking to purchase. Was it built before lead paint restrictions were put into place? Does it have an old (and often unsafe) furnace that will need to be removed? Does the home have solid electrical wiring and plumbing, or will you have to make expensive repairs?

Take advantage of the inspection process. Hire a quality inspector who will thoroughly inspect all major systems in the home, and who will be able to tell you more about the structural integrity of the home. Some homes are built below hurricane code, and if you are buying a new home in Florida, the last thing you want is a below-code home. The inspection process is crucial! You need to ask if there has been any termite damage, flood damage, wood rot, roof damage or leaks in the home.

Considering a newly constructed Palm Coast home

Although it can be more expensive to have a custom home built, the new home buyer would be well served to research and consider this option. If you decide on a custom home, you immediately alleviate several new home buying worries. Everything is new, so you don’t have to worry about expensive repairs. In a newly constructed home, there are no termites, no wood rot, leaks or flood damage, and you know what materials that are being used to build your home. Not to mention, with a custom home you have the opportunity to build a home that reflects your personality, with exactly the colors and features that you have always wanted.

Finding the right builder

It is best to research several home builders in the Palm Coast area. Homes built by reputable builders are often more expensive, but quality construction is well worth the extra expense. Cheaper tract homes may be easier on the wallet initially, but in the Florida climate you will end up paying more for repairs in the long run if you buy a cheaply build home.

When interviewing a prospective builder, begin by asking about the types of materials they use. Quality builders use quality materials. Do they build the walls and foundations with wood, concrete block, or solid poured concrete? Do they build their homes above hurricane code? If so, how far above code do they go? Find out about upgrade packages and whether it costs more for high quality materials and comfort upgrades. Ask for references and check them.

Educated buyers have the best home buying experience

Do your homework, shop around, and find quality professionals you can trust to assist you with everything from finding or building your ideal Palm Coast home, to financing that home. The extra time you put in now will pay dividends in the long run, and will ensure that you have a positive experience when finding the Palm Coast home of your dreams.

Tom Beaty is a homebuilder and real estate broker for over 25 years. For free good advice and information visit; Buying a home in Palm Coast,Florida

What you should know before buying a safety tub?

Statistics reveal that most falls in the households happen in the bathrooms than any other room. Another research shows that more than two thirds of injuries caused in the bathroom occur near the tub or shower. Falls do happen when people step over tub wall or a wet floor or lean on a glass door that cannot support their weight. The case of falls and injuries are especially more in people over 65 years since after these years the eyesight fades and mobility and balance decreases. So surprisingly, one in three adults over the age of 65 experiences falls in a typical year. Though this can be a bad news, a lot of enhancements achieved through advanced technology can prevent this from happening. Safety tubs are exquisite bath tubs featured with anti-skid properties and enough safety aspects.

While safety baths assure wonderful kind of baths that are so relaxing, soothing and relieving of stress and pains, they still assure a safe kind of bathing experience. These kinds of baths are designed after learning the hazards that are usually associated with bath tubs and therefore carry solutions to most skid problems. The ultimate purpose of safety tubs is to ensure a bath space with more convenience, comfort and safety. Safety tubs also have diverse kinds of therapeutic advantages. Since you can have more independence due to the enhanced safety features, you can spend more time in the home that you have always loved while enjoying a highly soothing bath.

Some of the safety elements in safety bath tubs include low step in arrangements, grab bars that are built in, surfaces conditioned with anti skid features. Beyond these aspects, you may also choose from a variety of hydro-therapeutic features that can have medical benefits too. The attached massaging water jets can replicate the experience that is typical of a luxury spa and therefore will satisfy you more than anything. The safety tubs can be tailored to the specific requirements of the home owner and are therefore wonderful choices for them than the traditional kinds of bath tubs that carry an element of risk.

There are also ways you can get a combined safety tub and a shower experience with the customizable options featured into your bath tub while doing the installation as per your custom requirements. In this way you can significantly enhance your bath experience besides satisfying the needs of your family members who love a shower, or bath tub or both together.

The installation of safety tubs are rather very easy and do not call for a thorough reworking of the existing space or arrangements inside your bathroom. You can get the new safety tubs installed within the available constraints of course with some minor modifications that will not cost you much. Therefore safety tubs are an extraordinary way of significantly enhancing your bathing experience in your cherished homes. Install a safety tub in your home and give the fantastic experience that your family members have been pining for while staying at peace due to the wonderful safety aspects inbuilt in the system.

Author is a freelance writer and having successful experience in writing about Bathroom Remodel Service. Currently he is writing about Safety Tub and Bathroom Remodel Austin for more information about Safety Tub visit: Safeshowers.

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Home Path Mortgage: Tips For Buying Fannie Mae Bank Owned Foreclosure Homes

Fannie Mae’s Home Path Mortgage program offers mortgage lenders and borrowers cash incentives to buy bank owned foreclosure homes. In addition to offering properties at substantially discounted prices, Home Path only requires a minimal 3-percent down payment along with flexible mortgage terms.

Homes for sale through Home Path Mortgage include single family homes, townhouses, and individual condominium units. Fannie Mae bank owned properties are sold in “as is” condition. Most properties require some level of repair, so buyers should engage in due diligence prior to submitting an offer.

Depending on property condition and location, Fannie Mae occasionally makes minor repairs to improve the home’s marketability. Houses in need of significant repair work may qualify for Home Path’s renovation program which allows borrowers to acquire additional funds for repair through the home mortgage loan.

Home Path Mortgage can be an excellent option for first time home buyers and individuals unable to provide a large down payment. One unique feature of HomePath is borrowers are allowed to use down payment funds provided by outside resources. Down payment assistance money can be obtained as a loan or gift from family, friends, employer, non-profit group or charitable organization.

Buyers of Home Path Mortgage properties can also apply for down payment assistance funds through the Department of Housing and Urban Development Neighborhood Stabilization Program. NSP grants are available to individuals and real estate investors who wish to purchase Fannie Mae bank owned foreclosure homes.

Not all Fannie Mae homes qualify for special financing and down payment assistance programs. Interested buyers can locate qualified properties through the HomePath Mortgage website at HomePath.com.

Buyers can apply for financing through the mortgage lender of their choice. It is best to comparison shop to determine which lender offers the lowest interest rate. An additional 1/4-percent interest can add thousands of dollars over the duration of the home loan.

Prior to submitting an offer on Home Path properties, buyers must obtain bank prequalification. Although prequalification does not guarantee financing, it does let borrowers know how much money they can afford to borrow. Prospective buyers can apply for prequalified lending through the mortgage financier of their choice.

Buyers of HomePath foreclosure properties can obtain up to $ 8000 tax credit against homes purchased prior to June 30, 2010. First time home buyers can receive an $ 8000 tax credit, while homeowners can receive a $ 6500 tax credit if they upgrade to a more expensive home and have resided at their current residence for five or more years.

Additionally, Fannie Mae is offering a 3-1/2-percent incentive to buyers who purchase and close on HomePath properties prior to April 30, 2010. Buyers may receive up to 3.5-percent of the final sale price for closing costs; purchase of Whirlpool® appliances, or a combination of settlement costs and appliance purchases. Mortgage lenders may impose restrictions on use of the 3.5-percent incentive, so buyers should consult with their mortgage service provider for guidance.

Individuals interested in buying Fannie Mae foreclosure homes through Home Path Mortgage should take advantage of the federal housing tax credit and cash incentives prior to scheduled deadlines. Learn more about Fannie Mae’s home buying program and locate a list of participating lenders at www.HomePath.com.

Learn more about buying Fannie Mae bank owned foreclosure homes and the Home Path mortgage program from real estate investor and author, Simon Volkov. Simon offers hundreds of real estate, investing and personal money management articles via his website at www.SimonVolkov.com.

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Furniture Online – 3 Benefits to Buying Your Home Furniture Online

Doing some home renovating? Want to upgrade your home? Buying furniture online – if you know where to look – can give your home a fresh new look. It can reinvigorate your home and create a space you love to live.

Why buy furniture online? There are 3 great benefits to shopping for furniture online. Here they are:

Benefit #1: Save Money

Many online stores – since they usually ship from a warehouse or direct from the manufacturer – don’t have the overhead costs of a brick and mortar store. So these savings get passed on to you in the form of lower prices.

You can often find price differences of up to 40% off retail. So you can get that ‘million-dollar’ look for your home without spending a fortune. I’ve found price difference of up to $ 1200 when I compared the local store to the online price – for the same piece.

Many people, for example, choose to upgrade their bathrooms before selling their homes. There are many online bathroom stores that sell high end designer names like Grohe and Kohler for up to 70% off retail. You’ll find everything you need in these stores like sinks, vanities, tubs, faucents and even toilets.

Benefit #2: Get Hard-To-Find or One-of-a-Kind Furniture

Shopping online gives you access to a lot of furniture brands, styles and pieces you won’t find at your local furniture store. For example, you can find hard-to-find designer brands like Trump and Stanley and specialty furniture like theatre seating.

You can find high end outdoor fireplaces or outdoor TVs. Want to add a large waterfall to your living room? No problem, there’s a large selection to choose from online. You can also get custom furniture made to fit your home or one-of-a kind items.

You wouldn’t be able to find this type of selection at your local mall – including if you spent days driving around to all the different furniture stores in your area.

So by shopping online, you get find a much wider selection of furniture – which means you can design a home that is uniquely yours. Your friends and neighbours won’t be able to understand how you could build such a stylish look.

Benefit #3: Free Shipping & $ 0 Sales Tax

One of the great benefits to shopping online is that you not only save money on the actual furniture costs, but many online stores also offer Free Shipping and even $ 0 sales tax.

If you’ve ever bought furniture at a store, you’ll know they often charge you up to $ 250 just for delivery! So this is another way you save money.

So those are 3 benefits to buying furniture for your home online. If you want to save money and get access to a wider selection, then you may want to try it.

Whether you’re in the market for upscale bar stools, glass-and-cherry dining room table, a modern loft-style couch, ergonomic office chair or a customized wrought-iron bed, you can find what you’re looking for and make your home into your own personal oasis.

Kate Fox writes for Furniture Stores Online a site showing you where you can find great furniture deals for less. For a list of furniture store reviews with discount links and tips visit Online Furniture Stores

Kitchen Faucet Buying Tips For Remodeled Homes

If you are remdeling your home it is quite important to get the right kitchen faucet in order to get the best look and feel of the entire room. Many feel that installing a kitchen faucet isn’t a big deal, while others think the world of it. The key though, is to find a faucet that suits your overall theme of the room and functions properly for what you intend to use it for.

Some faucets are arched and have a bigger, taller look and feel to them. These can be quite nice to the eye, but sometimes it’s hard to wash something under it without splashing water everywhere since the water is falling from such a high location. A smaller or lower faucet, might not be the right answer either as they can sometimes be harder to wash things under and if you keep anything in the sink, like many do, it can get hard even just filling a cup of water.

There is a fine line between having a high or low faucet.

It personally prefer something in the middle which has a little more all-around usability as opposed to a good estetic look. I prefer function over looks, when it comes to the kichen faucet as it’s something I know I’ll use a lot. If you will not be the one using the faucet or you have somebody take care of some of the kitchen chores that would require a faucet, then maybe consider a good looking faucet.

There are two kinds of occasions to get a new faucet, while remodeling or building a new kitchen, or if the old one is broken. Either way, it is important to line up the style of the faucet with the style of the overall kitchen in order to get a complete look. It would be wierd to have a everything in for example victorian and go for a “casual stainless steel” faucet, so that is definitely something to consider looking into.

Make sure that you talk to a couple of experts and visit many websites before making a final buying decision.

There are quite a few different models that might suit your new kitchen and until you’ve seen them all it can be hard to eliminate one or the other as an option. I recommend you have a quick look around some kitchen websites, faucet sites and go for a stirdy brand model that fits your overall style of kitchen.

For high quality and brand Delta kitchen faucets check out http://www.deltakitchenfaucets.net right now!

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12 Home Buying Tips For The Novice Buyer!

Article by Al Hardy

12 Home Buying Tips For The Novice Buyer! – Real Estate – Buying a Home

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You may think purchasing real estate is really confusing and difficult; however, with just a little know-how, you may find it enjoyable and rewarding. Don’t worry; you can avoid this by following the advice provided below.

Always remember to be flexible in your choices. You might not get your perfect home, but you can afford another one. If you don’t find the home of your choice in an area that you want to live in, look for a different home. At some point you may want to look in a different neighborhood.

The first step to shopping for real estate is organization. Dedicate a notebook just to the information you gather online, from the newspaper, from friends and from your agent. That way, your information is all in one place every time you need it.

If a home is in need of many repairs and updates, it is likely to be sold at a greatly reduced price. This allows you to save money up-front, and work on the house at your own rate over an extended period of time. You are creating the exact home you want, while simultaneously adding value with every project. Make sure you can see the potential of the house rather than focusing on its drawbacks. A little fix up work can transform an ugly facade into your dream home!

Look into a new neighborhood when you are thinking about relocating. There is a wealth of information available on the Internet, even for small cities and towns. Before buying a home, research the unemployment, population and salary margins.

Find an honest, reputable partner that can be trusted when looking for an expensive, large commercial piece of real estate. Having a partner makes the loan signing go much more smoothly. A partner can help with the down payment and the credit that is needed to get qualified for a commercial loan.

If you are interested in a rental property, make inquiries regarding who is responsible for the gardening before you sign the lease. Although these costs are normally covered by the landlord, you need to know for sure. Other rentals will have this service done for you, and it will be reflected in your monthly payments.

If you are purchasing a home, be sure to hire people not related to the seller or agent in anyway. Utilizing the professionals, such as inspectors and appraisers that the seller employs, can be tempting and convenient. No one likes spending money on something they could get for free. However, it is crucial that you know the people hired can be trusted to protect your welfare. This is one situation where learning the truth can potentially save you thousands of dollars and much heartache.

Always have your goals at the forefront of your mind as you are preparing to purchase a property. Decide if your goals are short term or long term. If the investment doesn’t match those goals, don’t consider it. There are many property owners that fail to check if there needs will be met, and will have a losing investment on their hands.

Go to an expert for help finding investment properties. Real estate agents and brokers can help guide you in the right direction when you are searching for property to invest in. These professionals will have access to resources that you don’t. Most brokers have software at their disposal which will allow them to search through MLS listings. While you are able to look through the MLS by yourself, the tools that a professional will have makes the entire process more efficient and more detailed. You will gain more information letting them help you.

Use an online calculator to determine your price range for purchasing a house. They will ask for information related to your income and expenses. With these tools, you will have a better idea of how much you can really afford.

Make your dream home your reality. Investors are divided on whether or not now is a good time to sell your house and upgrade to a larger one, although some do favor the idea. Buying your dream house now could a good thing now, as the prices of homes continue to climb.

If you want to increase the value of real estate that you own, do some remodeling or repairs to the property. Your property’s value will increase quickly if you do this. Sometimes your property value will increase more than the money you put in.

Now you know that purchasing real estate is not hard to do. It can get rather involved in regards to doing your homework and making good inquiries, but at the end of the day, the rewards are totally worth it. Keep in mind what you have learned from this article, and allow the advice given here to guide you as you buy real estate!

About the Author

If you live in central Indiana you can do a easy search of Greenfield Indiana Homes For Sale and find the perfect home for you. Currently there is a large selection of Homes In Greenfield!

Use and distribution of this article is subject to our Publisher Guidelines
whereby the original author’s information and copyright must be included.

Al Hardy



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