Thursday, September 1, 2022

5 Reasons To Get A Home Inspection

Photo by Brian Babb on Unsplash

When buying a home, it's important to ensure everything is up to code. A home inspection can help you identify potential issues that may crop up in the future. If you notice any red flags while looking for a dream house, it's worth getting an inspection before making an offer. Here are five reasons to get a home inspection:

1. You want to know about the general condition of a property.

If you're buying a home, you want to know if it's structurally sound. You also want to know if any repairs need to be made or if there are problems with the property. If you don't know about these things before buying, any issues that arise later on could cost you a lot of money and aggravation.

A home inspection will also help determine whether or not the property is safe for habitation. In addition, the inspector will check all major systems in the home, such as electrical wiring, plumbing, and heating/cooling units, for proper operation and function to ensure they meet current building codes set forth by local jurisdictions.

2. You notice structural issues with the property.

There are a few reasons why you should get a home inspection. One reason is if you notice any structural issues with the property, such as cracks in the walls or ceiling. If these are not discovered before you buy the house, they can lead to problems later. For example, if something is wrong with your foundation and wasn't disclosed during an inspection, this could cause severe problems after moving into your new home. This could lead to you needing to make a claim. To learn more, here are some requirements of submitting a claim when it comes to property damage. 

3.  An insurance company points out a potential issue with the property.

If an insurance company points out a potential issue with the property, it's time to call in your inspector. Insurance companies recommend home inspections before insuring a property. They want to ensure that it's safe for you and your family.

Insurance companies can also help you negotiate on price if there are problems with the home. For example, if there are water damage issues in the basement or ceiling from flooding or heavy rainstorms, your insurance company may be able to convince the seller to lower their price.

4. Some doors or windows have been painted shut.

While this may not seem a big deal, it signifies moisture intrusion. This can lead to mold and mildew growth inside your home, which can cause health problems and damage your house's structure. A home inspector can give you the right tips and solutions to help make your home safe, for you and your family. 

5. The home you are looking at is older than 50 years​

If the home is older than 50, you should get a professional inspection before purchasing it. Homes built in the 1950s were not constructed to today’s standards and could have various issues ranging from lead paint to asbestos and mold. Newer homes will generally be more energy efficient, saving you money on utility bills.

After going through all seven reasons above, hiring an inspector would be worth your time to ensure you have a safe and comfortable home if even one applies to your situation.

Wednesday, August 31, 2022

19 Years and Counting

Say what?  Nineteen years already?  The naysayers predicted that we won't even last a couple of years when we first  got married but here we are, we have  proven them wrong.  The funny thing is, some of the ones that  said those predications are now separated from their partners, how about that!  
Anyhoo, it seems like it's not that long ago when we got  married.  Memories are still so vivid in my mind like it was just yesterday.  Maintaining good relationship with your spouse is not easy but we managed to  keep it together for nineteen years.  Two years of those were long distance when I was still processing my papers.  I'm so grateful that God blessed hubby and I resilient abilities to cope with the challenges of being apart.  Those two long years really tested us to communicate open in way possible.
I am so glad that communicating in this day and age is easier than moons ago.  It kept hubby and I up to date with each other when we were just starting with our lives.  In these 19 years, we have two wonderful kids that we love dearly and I can say that we still admire each other.  We changed physically but not emotionally.  Love handles and bulge here and there is just part of growing together.  

Friday, July 1, 2022

The 4 Top Investment Strategies For Beginner

Photo by Liza Summer:

If you're new to investing, it can be hard to know where to begin. Should you invest in stocks? Bonds? Mutual funds? There's a lot to learn, so it's easy for beginners to get overwhelmed. Fortunately, some straightforward strategies usually work well for beginners and can help you get started on your journey toward financial security. Here are four of the best investment strategies for new investors:

The Stock Market

The stock market is where people buy and sell shares of companies. For example, if you own a big company and want to retire soon, you can sell some of your shares on the stock market. When someone buys one of your shares, they're essentially buying part ownership in your company.

Everyone pulls up their socks when they hear "stock market" because it's been proven over time that investing in stocks can be a great way to make money. While there are always risks involved with investing in anything (even cash), the returns from owning stocks have historically been higher than any other investment strategy—including CDs or bonds!

Bonds are debt instruments that pay out interest over time. They're basically loans that you make to a company or government entity. The repayment of the loan comes at a set rate over time—usually anywhere from one day to 30 years (sometimes even longer).

If you don't have much money to invest yet, bonds are a great way to start getting familiar with how the stock market works. You'll learn about interest rates and inflation, which will help you make better decisions when investing more significant amounts of money in stocks or mutual funds.
Real Estate

Real estate is one of the most popular investment opportunities for beginners, and for good reason. It’s easy to understand, it can be lucrative, and you don’t need much money to get started. If you have a little bit of cash in your savings account, you can start investing in real estate with just a few clicks.

Not only that, but real estate is also one of the best investment opportunities because it can help you build up your wealth over time while providing some extra income on top of that! Real estate investing isn’t just about buying something and waiting for it to appreciate in value—it’s about finding properties that will generate income as well. So when you’re looking at potential investments, make sure they have some cash flow (that is, they produce income).
Dividend-Paying Stocks

Dividend-paying stocks are one of the best investment strategies for beginners.

A dividend is a share of a company's profits, paid to investors as an incentive to own that stock. It's usually expressed as an amount per share and can be paid out quarterly or annually.

If you purchase shares in a company that has been profitable in the past and continues to do well today, then it’s likely they will continue making profits in the future too. And if they make profits, you will receive some of those profits from them—in the form of dividends!

We hope this has given you a good idea of where to invest. These four options are the best options for people who have never done any investing before. Of course, if you don’t understand what we’ve discussed, seeking professional advice is never a bad idea. But if you are successful, you will soon make smart investments alongside everyone else.

Friday, May 27, 2022

49th .. On my way to Golden Age #TopGunMaverick

This year is my last of enjoying my 40s.  To make it memorable, we went and watch the Top Gun Maverick movie.   It’s been a while since we last watch a movie on the big screen as a family.  Our kids actually watched it already with their friends but they want to watch it with us so we did. I can say, Tom Cruise is still awesome!

My birthday this year is probably the saddest ever since I got married.  I mean its not really a big of a deal for me since I grew up without celebrating birthdays anyway.  I guess my husband spoiled me that he always make sure I celebrate.   This year is sad not because I didn’t have a party or anything but because my husband’s forgetfulness is getting worse.  He’s forgotten it was my birthday, till of this writing he hadn’t remembered about it which is fine.   I’m worried that he’s developing a memory loss at his young age.   

I thought for sure, he will remember it because we went to the courthouse and got divorced… Not.. I’m kidding lol.  We went there to pay our property tax and he forgot what date it was and I told him, he has no idea!   I wasn’t disappointed but sad that old age is unfolding right before my eyes.   I might be exaggerating it but I’m literally worried for him.  I hope that I’m just being sensitive because its my birthday and that nothing is really going wrong with my husband.

Anyway, he got a pass for me but I did cry at the end of the day because my son have forgotten it also and he went out with his friends and to make the matter worse, he stayed overnight at his friend’s house which was unexpected.  Then he stayed the whole day of the next day.  I was starting to get irritated but I didn’t let it show since I didn’t want to have a migraine but I ended up with one anyway.

On the brighter note, my daughter did not forget!  Also, we did fun stuff prior and after my birthday.  We drove our daughter to Davis and Elkins College for the weeklong Rhododendron All State Girls leadership training that she has to attend to.
I thought something was off since our daughter was extra quiet and she seems very down.  Hubby and I thought she was just stressed out about the event.  I didn't know then that her and her boyfriend broke up the night before we left.  That was not a good day for her as she worked a long shift that day.  I feel bad for her but that's part of growing up and getting into a relationship.  They're still young and I'm sure she will bounce back from it just fine, but the first heartache is always the worst.  Hopefully she get over about it soon.

Anyway, I am on my way to golden age, yeah!

Hello Summer

My son took these photos when we went to Moundsville sometime last year.  While our daughter was practice parallel parking, EJ and I hang out in this kiosk near the parking area.

He's funny when taking photos lol.
He said it is his artistake take in taking photographs which I don't mind.
Got my favorite summer hat gear on and ready for warm weather.

Hope this year's summer would be fun without the restriction of pandemic 2.0 aka monkey pox, ugh.