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

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!
Conclusion

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.

Tuesday, May 10, 2022

Fun Decorating Ideas for Your Kid's Bedroom

Your child’s bedroom is the place where they’ll spend their time. It is a place to play, sleep, eat and learn. The role of a kid's room is to provide comfort and safety for your little ones. A kid’s room should be a fun space that encourages creativity, learning, and exploration. It should be organized with plenty of storage space for toys and clothes so that it can accommodate all the activities that kids want to do in their free time. So when it comes to decorating, it’s a good idea to keep this all in mind.



Why You Should Focus on Creating a Fun Themed Kids Room

A fun themed kids room is a great way to provide your child with an environment that will inspire them to learn and explore. They will have fun exploring their creativity and you will know that they are safe. So it is important for parents to make sure that the bedroom is a place where kids feel comfortable and safe.

How to Choose the Best Children's Bedroom Design

When it comes to choosing the best children’s bedroom design, parents have to make sure that they are following the trends and considering the latest decorating ideas. They also need to make sure that they are not overspending on their kids’ bedrooms. A lot of people struggle with how to choose the best kids room in their house because there are so many options out there.

The best children's room in the house should be a place where your child feels safe and comfortable while also having fun. This is why it is important for parents to consider what type of furniture will be inside the room. The colors and themes should be age appropriate for your child as well as for their friends who may visit them at home.

Choosing the Best Furniture for Your Kid’s Newly Decorated Bedroom

If you are looking for bedroom furniture for your child, you should consider a few things. You need to think about the size of your child, their room, and what type of furniture they have previously used. The first thing you should do when it comes to choosing children's beds is to take a look at the room your kid will be sleeping in. If it's a small room, then a single bed would be the best option. If it's not too small, then twin beds may work better because they'll allow more space for activities and playtime.

If you're looking for storage space, then bunk beds may be an option because they provide more than one level of storage space. Bunk beds also offer an opportunity to mix and match colors as well as styles so that your child has their own personal style that reflects their personality. Then there’s also other kinds of furniture to consider and working out what will fit in their room, such as storage for their clothes and toys too.

Choose the Right Colors for your Child's Bedroom

A color palette is a set of colors that are used to create a visual effect. There are many different ways to choose the right color palette for a room, but the most important thing is finding what the space needs. There are a lot of colors that you can use to decorate your kids' bedroom, but you’ll want to make sure that it not only works for the space, but goes with your overall home decor and suits their likes and personality. Think about the colors they like, whether you want to work with wallpaper, and whether or not you’re sticking to a kind of theme for the design too.



How to Keep Your Kid’s Bedroom Organized, Clean & Tidy

Bedrooms are the most important rooms in a house. It is where children spend most of their time. And so it is essential to keep them organized, clean, and tidy. If you have a child who has just started sleeping in their own room, it can be difficult to figure out how to organize the space. Here are some tips that will help you get started with organizing your kid’s bedroom:

1) Keep their toys away from their bed

2) Keep all the books on shelves or on the floor under their bed

3) Make sure that they have enough floor space for playing and moving around

4) Have the right storage options that can house their clothing, toys, schooling work, and anything else they have

5) Encourage them to keep things tidy and have a schedule for cleaning

Tuesday, April 19, 2022

Weekend Cuddles Are the Best


The company that my husband works for took away the Good Friday day off in lieu of Martin Luther King's day.  In my personal opinion, I think they should not have taken this holiday from the employees considering that most of the employees celebrates Easter.  Don't get me wrong, I don't have anything against celebrating MLK day, in fact I am all for that, however, they should have retain the Good Friday as holiday as well.
Anyway, my husband requested a day off for Friday so we could do our Friday obligation to church.  I am looking forward for a relaxing weekend.  Weekend cuddles are the best Now that the kids are older, we don't do anything special on Easter except go to church.
So that's how we spent our Easter weekend.  Staying home and relax although our daughter picked up a shift from her part time job on Sunday evening.

Thursday, April 14, 2022

How To Get The Most Out Of Your Workout

Nobody goes to the gym hoping to get mediocre results. Everybody goes hoping to get the absolute most out of every rep, run, and workout. Luckily for you, researchers also want us to get the most out of our workouts. Try these inefficient strategies to get the biggest benefit from every one of your workouts. 


Image - free for commercial use


Lift Weights

If you only do cardio, you are sabotaging yourself. Your metabolism will actually go down if you only do cardio workouts, making weight loss more difficult. Resistance training, however, helps to build muscle to increase your metabolic rate. You can also help your muscle-building along with some supplements. Click here to find some. 


Listen To Music

Everyone knows that your favorite songs can help to fire you up for your workout, but some studies have shown that people who listen to music, especially slow music after their workout recovered faster than those who went without music. Music boosts the levels of serotonin and dopamine in your body. These hormones are known to encourage recovery. Try listening to a few of your favorite, relaxing songs as soon as you finish your workout. This will help your blood pressure and heart rate get back to normal and recovery happen as soon as possible. 


Swap Stretching For A Dynamic Warmup

Make the most of your stretching. Those who warm up with light dynamic stretches are better able to perform their workouts than those who don’t, or those who warm up with more typical bend and hold style stretches. Think of your body as a rubber band. If you stretch it around a lot and then pull it back to shoot it, it isn’t going to go as far. The same thing happens with your muscles and tendons. However, dynamic bodyweight movements, ones that mimic the workout that you’re about to do, increase blood flow and improve your range of motion without compromising the elastic properties of your muscles and tendons. For example, if you’re about to go out for a run, it’s a good idea to move through about five to ten minutes on lunges, knee raises, and leg swings before you hit the treadmill or the trails. 

Preface Your Workout With Carbs

You might think carbo-loading is something only marathon runners do. Eating carbs before your workout can help you with interval training. Carbs are your main fuel for any high-intensity workout and when your body is fueled, you will get a better workout, both in terms of caloric expenditure and muscle growth, than you would if you were in a fasted state. Even if you like to do your workouts in the morning, make sure you at least eat a piece of toast or some oatmeal before you head into the gym.


With these useful exercise tips, you can get the most out of every single workout that you do, whether at the gym or at home. You can get the best results possible from all your efforts for both your physical and mental wellbeing.


Wednesday, April 13, 2022

Why It’s Good To Have Less Screen Time

Everyone uses screens for at least a small portion of the day, but many people use them almost non-stop. From the TV to a laptop to smartphones and tablets, it all adds up to many, many hours spent staring at a screen. In a lot of instances, this staring is necessary for work, for socializing, even for relaxing, but that doesn’t mean that too much of it is good for us. In fact, in some cases, it can be very bad indeed. 

 

There are still studies ongoing that are focused on determining exactly how bad these hours of screen time are (the devices haven’t been around long enough, but the findings so far certainly suggest that we should all cut down if at all possible. Here are some of the reasons why. 

It’s Bad For Your Health

Screen time is bad for your health in several different ways, but perhaps the most obvious is your fitness level and weight. When you are using your screens, you will most likely be in a sedentary position, either sitting at a desk or on a sofa, or perhaps lying down in bed. Where you are, whatever you are doing, the lack of physical activity can mean that you just aren’t getting enough exercise. Not only that, but your circulation can be affected because you aren’t moving around enough. The key to a healthy amount of screen time in this case is to limit yourself to a shorter amount of time each day and use the rest of the time you would have been in front of the screen exercising. 

 

If this is not possible due to work, you should leave your desk and walk around the office – or, better yet, outside – every hour to ensure your circulation isn’t restricted. 

 

Planning Becomes Difficult 

If you’ve been wondering why your ability to make plans seems to have deserted you, and you can no longer process times and dates as well as you once did, this could be because of the amount of screen time you are currently having. Studies have shown that those who spend a lot of time in front of their screens (particularly those who play lots of video games) tend to have less brain function in their frontal lobes. One of the problems this causes is your ability to plan properly. 

 

Planning your day-to-day life is something that can help us immensely. We need to know what we can get done and when, such as organizing mold and water damage restoration, and we need to understand how much money is in the bank. We also need to be able to plan things even further ahead, such as vacations and breaks away, for example. 

 

Your Brain Can Suffer 

We know that too much screen time can cause us physical damage and harm, but it can also be an issue when it comes to your brain’s performance too. This could be due to the way that this technology ‘uses’ the brain and teaches it to work. If you want your memory to improve and you want to have your brain working at its very best, reducing screen time is the way to do it. On top of this, you can also do brain training games, or perhaps just enjoy a good book or find a hobby to stimulate your brain. 

 

Some apps and games can indeed be used on our devices for brain enhancement too, and these can be useful but not if they make you use even more of your time up using a screen. 


DIY Decorating Tips

Giving your home a new look is exciting, but it can be expensive too. Sometimes, people hire interior designers and decorators to make everything look just the way they want it. If you have the budget for that, great. Many people don’t, so it’s down to them to carry out the decorating for themselves. 


You might think that putting on a coat of paint, or some wallpaper is super easy, but it’s also very easy to get wrong. Poor decorating can make your home look unfinished and will probably irritate you for years to come too unless you decide to try again or get the professionals in. 

Prep the area well

Many DIY and decorating tasks come down to preparation. For example, if you’re painting the walls of a room you need to make sure that the surfaces are ready. This includes any drywall repair and removal of any surface dust or grease. You need to make sure that the paint has the very best surface possible to go on. If you paint over a greasy or dusty wall, it will show in the finished result. 


The same goes for repainting doors and skirting, you should sand down the area first to get rid of any uneven paint and then clean down the area thoroughly from all of the sawdust. 

Buy good decorating materials

A lot of the time, you get what you pay for with decorating supplies. If you choose the cheapest paintbrushes you can find and the cheapest, thinnest paint, you’re probably not going to end up with the result you want and you’re going to need to work a lot harder too. A cheap paint may need three or four coats to look right whereas a better quality one might take only one or two. 


You don’t necessarily need to buy the most expensive decorating supplies you can find either, but aim for the sweet spot in the middle where you’ll find the balance between quality and value. 

Watch how-to videos

YouTube is filled with great how-to videos to help out newbie decorators. Watch as many of these as possible and you might find that you pick up some great tips that you hadn’t thought of before. You may even get some inspiration for design ideas for your new look. If you’re doing something a little more complicated, such as wallpapering, this is even more important. 

Take your time

Rushing a decorating job is a sure way to make mistakes that you either have to clean up or look at for years to come. It’s important to go at a speed that still allows you to pay attention to detail. It’s this finish that will make the difference between doing a great job and doing a sloppy one. You’ll be glad you took a little extra time when you look at how great your home is. 



Many people get nervous when it comes to decorating themselves, but there’s no need to be. Just follow these tips to get your home looking just the way you want it to. 


Tuesday, April 12, 2022

Some Great Ways To Bond As A Family This Summer



It is really important that you feel as close as possible to your family, but it is not always simple to make this a reality. In truth, most families require some bonding from time to time if they are going to feel close, so this is something that you are going to want to bear in mind. If you are thinking about bonding with your family and trying to work out how you can do it more effectively, then you might want to consider some of the following activities, all of which are great things you can do with your family in the summer.



Play Sports Together


One thing that always brings a family closer together is playing sports. This can be done in quite a full-on way, or it can just be playing something together in the yard or the public park. Take https://sportnews.in/Cricket for an example - cricket is a great game for a family to play if you are looking to bond with one another, because it is just competitive enough to be interesting but not too much for most families, and there are many different roles to take within the sport too, which can help. So you might want to think about doing that, or a similar sport together, this summer.


Family Fun Night


This is something you can do at any time, and which is always going to have the desired effect. For these family fun nights, it’s always a good idea to have a ‘no screens’ rule. This might be something that your children balk at to begin with, but it is absolutely worthwhile as it will make the family fun night so much more enjoyable for everyone in the long run. Having one of these nights every now and then, in which you play games, watch DVDs or whatever else you might want to do, can do wonders for bonding as a family unit, so it is something else to consider this summer.




Cooking As A Family


This is one thing that you can get your family to do frequently - and in fact, the more frequently you do so, the better the effects will be. Cooking as a family is really incredibly beneficial in a bonding sense, and it’s something that can help you to keep your family as happy as possible. You might be surprised at how much this can really help, and especially if you give a different person the chance to choose what will be cooked each time. This can soon become an enjoyable event that everyone looks forward to in their own way.




Arts & Crafts


Finally, you can always consider getting into arts and crafts too. This is a great way to ensure that you are developing some creativity in your kids while also bonding with them and growing closer, and the results can often be profound and quick, even immediate. So make sure that you are thinking about this this summer when you try to bond with your family better.


Monday, April 11, 2022

How To Buy A Fixer Upper The Right Way

Are you thinking about buying a new home? This can be a great choice and it may even allow you to boost your income if you are purchasing a second property. There are lots of different types of properties to consider. So specifically, let’s explore the process of making a profit from a fixer upper or a home that has seen better days. This is easy when you take the right steps. 





Find The Right Home


The first step in fixing up a home is to find the perfect home to work your magic on. Finding the right home can be tricky and could take some time. Make sure you are regularly checking the market and home auction sites. You can usually pick up a fixer-upper relatively cheap from an auction. 


You also need to make sure you are checking out the area you are buying the home. You need to know who your target audience will be and who is likely to buy the home. If you are aiming more towards families then you don’t really want to be buying a home in the business district for example. 


Get The Best Loan 


Next, you need to make sure that you get the best loan for your fixer upper. The loan market is huge and there are lots of options worth exploring. As well as this, there are countless factors that determine whether a loan is going to be right for you. For instance, you should think about interest. A simple interest loan calculation will tell you whether this is an affordable choice for you. 


Complete High Quality Changes


If you are planning to sell your home then you need to make sure that you are completing the right changes to the best quality standards. For instance, you might decide to redo the garden. This is a great way to boost the level of curb appeal for the home. The right curb appeal standards will ensure that you make a killer first impression and get plenty of views. This can translate into a heavy amount of offers for your home. But you do need to complete the right quality of work. That’s why you should always consider whether to DIY or if it’s best to call in a pro contractor, even if this step will cost you more money overall. 


Get It Sold 


Finally, you should think about taking the right steps to get your home sold on the market. This is often all about finding the right real estate agency. The best agency can get your home sold in a matter of weeks by ensuring that you gain plenty of viewings from day one. You just need to make sure that you are carefully choosing an agency. It’s absolutely vital that they are providing a service you can trust. The longer you have to hold onto the home, the more expensive it comes for you. 


We hope this helps you understand some of the key steps that you must take to ensure that you can make money from a fixer upper. If you do this, then you’ll easily be able to boost your income. You can use this extra cash to fund other investments or improve your quality of living. 




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