Housing Archives ~ The Military Move

5 Ground Rules for Home Buying Success

March 15, 2021 No Comments

Ground Rules for Success - Kelsey and Jorge Realtors

There are few purchases in life that carry the financial and psychological weight of buying a home. Whether you are buying your first home, moving up to your dream home, or downsizing your home and your life after the kids have gone, it is important to understand the ground rules for success in the world of buying a home.

Making the wrong decision in buying a home can have devastating and long-lasting effects, while making a wise decision in home buying can greatly enhance the overall value of the investment. It is necessary to learn all you can about the world of home buying and mortgages before setting out to purchase the home of your dreams.

While there are plenty of web sites designed to help first time homeowners learn all they can, most financial experts say that there is no substitute for the good old one-on-one learning. Fortunately, most mortgage lenders, home inspectors and real estate agents will be able to provide this kind of one-on-one learning.

When buying a home, it is often best to use a systematic approach as this is often the best way to be sure that all decisions are based on information and reason, not on impulse or emotion. Buying a home can be an emotional process, nevertheless it is imperative to keep your emotions under control and not let them cloud your judgment.

There are five basic ground rules when it comes to buying a home and shopping smart, and they are:

1) Get Your Financing Before You Get Your Home

There are few things in life as disappointing as losing out on the home of your dreams due to not being able to secure funding. While the desire to get out there are search for that great home is understandable, it is vital to line up the financing you will need before you start shopping for a home.

Getting the financing ahead of time has a number of important advantages, including knowing how much you can buy and gaining more respect from the listing agents. By knowing how much home you can afford before you shop you will avoid wasting your time looking at unaffordable properties, and the listing agent will be more than willing to show you the homes in your price range.

It is also important to take a good look at the various types of mortgage on the market before getting started in the home buying process. These days, mortgages come in far more choices than the typical 15 or 30 year. For that reason, potential home buyers need to understand how each type of mortgage works, and to gauge which mortgage is the best choice for their needs.

2) Look at the Community, Not Just the Home

It is a good idea to look at the entire community, instead of focusing on a single home. This can be a particularly important thing to consider for those moving to a new metropolitan area, as these buyers will be unfamiliar with the local climate and lifestyle. It is crucial to determine the areas of town that are most desirable, and to consider things like distance from work and local shopping opportunities.

We have all heard that location is the key consideration when it comes to real estate, and that is certainly the case. Buying a house in the wrong area can be a big mistake, and it is important to choose the location as well as the home. Potential buyers can learn a great deal about the nature of the various neighborhoods simply by driving around town, as well as by talking to other residents.

3) Be Fair with Your First Offer

Trying to lowball a seller on the first offer can backfire, as can paying too much. It is important to carefully evaluate the local market, and to compare the asking price of the home with what similar houses in the neighborhood have sold for.

Comparing the sales of comparable homes, what are known as “comps” in the industry, is one of the best ways to determine what is fair, and to make sure that you neither overpay or underbid on the property.

4) Always Rely on a Home Inspection

Always investigate the home for any possible defects before making an offer. Compared to the cost of the average home, the price of a quality home inspection is virtually negligible. Hence, get a good home inspection done before you buy.

To find the best home inspector, it is a good idea to seek out word of mouth referrals as many of the best home inspectors rely on word of mouth advertising.

5) Do Not Alienate the Sellers of the Home

Many real estate deals have fallen apart due to the personal animosity of the buyer and the seller. It is important to avoid alienating the seller of the home during the process, and to avoid nitpicking every little detail during the sale.

Keeping the good will of the seller will help the transaction go smoothly, and it will provide the best environment for seller and buyer alike.

About the Author

Julie Herrmann is the Branch Manager at Highland’s Mortgage in Kingston, WA.

Your Mortgage Gal for Life
www.YourMortgageGalforLife.com
Jherrmann@highlandsmortgage.com
Cell (360) 900-7092
Fax (425) 749-5503
11253 NE State Hwy. 104
Kingston, WA 98346
Highlands Residential Mortgage, Ltd. | WA Branch License: CL-2075463

Housing

Top 4 Doorbell Home Security Systems With Cameras

February 3, 2019 No Comments

When it comes to home security, it is difficult to know who’s knocking your door before you open it. There is nothing better than a doorbell, security system. After all, your peepholes can be physically blocked, wet, or even smudged which makes it difficult to know who is on the other side of your door.

Doorbell home security systems will help you know if the person at your door is your relative, the delivery guy, your neighbor or a stranger. Video doorbell security systems will help you eliminate these possibilities, providing you with the much-needed security in your home. Regardless of your location from home, you will be in the position to know the security status of your house.

Also, home security systems such as video doorbells provide you with an opportunity to talk and hear from the person at your door. Here are the different types of doorbell home security systems available on the market.

*This post may contain affiliate links – if you purchase something from this post, I receive a small commission with NO extra cost to you. To see my full disclosure click here. Thanks for supporting us!

The Ring Video Security Doorbell System

A Ring Video doorbell is the biggest name when it comes to home security, but this does not make them the best systems for every budget. Your doorbell security system options will depend on the budget and your installation preferences since the company offers both hard-wired Elite and Pro versions of their popular doorbells.

These security systems feature more sophisticated sensors and higher camera resolution. Also, the systems do not depend on batteries or the spotty wireless connections. If you are looking for sleek and recognizable doorbells that come with a worldwide connection of users and easy to use interface, this system might be the best doorbell for your needs.

Also, Ring provides you with both wireless and wired home security systems that can work on every home. These systems come with night vision, two-way talk, activity alerts, on-demand video and many more.

RCA Doorbell Home Security System

Most of these doorbell home security systems will provide you with a free trial on the cloud service while charging you a fee on a monthly basis. The RCA skips the recurring expenses in favor of the microSD storage.

These systems come with 16GB microSD cards and cameras to help you get started. The system’s memory slot can accommodate up to 128GB, which makes it a pretty versatile storage option. Other features are also pretty top-notch with a 3M sensor onboard to provide you with ultra-HD video recording and processing with excellent clarity.

The RCA security system allow you to utilize two-way talk features even when you are about to communicate with anyone at your door. Also, the motion-sensing capability of the system sends you notifications to your mobile device. The security system does not have similar brand recognition as the Ring or Nest, but its approach to video storage makes it a perfectly viable option for your home.

VTech Video Doorbell Security System

The VTech video security system is among the best wireless home doorbell systems, you can have in your home comparing its price and quality. It comes with two-in-one cordless systems and a color LCD which means you can connect it to your mobile device as well as digital cameras.

Another excellent feature of the VTech doorbell home security system is the snapshots that provide you with a click. It allows its users to snap several photos automatically. Also, it’s an opportunity to listen to audio live streams. The system’s cordless handsets let you see the person on the other side of your door without having to change your position. VTech doorbell home security systems work independently and permit mobility within your home.

Also, the system comes with an automatic night vision mode. You can adjust the videos to the contrast you desire and optimize the quality that will suit your unique needs and preferences. The system has a volume adjustment option that helps you control the quality of the sound and volume.

Homeowners can adjust the cameras to any angle they want which can be done using a joystick available in the interior of the security system. It has the best video camera, excellent sound system and everything you need in a doorbell.

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Nest Hello Doorbell Security System

If you currently have a Nest thermostat in your home or any other product from Google, you will probably be a fan of the Hello doorbell system. The Nest’s Hello doorbell home security system comes with facial recognition features, making it stand out from other options that only distinguish between non-human and human movement as well as detecting movement.

It also features integrated mobile technology and other essential features for managing your home security which includes scheduling and geofencing options to block notifications during certain hours of the day or about specific individuals.

Doorbell home security systems have become more popular over the past few years and are currently considered more of a necessity than a luxury. They are your home’s first line of defense, and you can remotely access them, monitor and control through your mobile devices.

About the Author

Jessica Kane is a writer for Nick’s Building Supply, Inc., the best place for custom made or replacement front doors online.

Finances, Housing

Unraveling the Mystery of Home Insurance

January 24, 2019 No Comments

Today, most real estate owners in Seattle choose to maintain homeowners insurance coverage. This important type of protection helps supply a safety net against many types of unexpected events causing damage to a residence, or harm to people on the property. It usually pays to shop carefully for this type of insurance.

Homeowners Insurance Protections Vary by State

The specific items covered by a homeowners insurance policy will differ sometimes based upon the company offering the policy, the location, and the level of coverage selected. Since states vary widely in the items lawmakers may require builders to install in residential properties, policy holders in some locations obtain more comprehensive protections.(1) In general, most homeowners insurance policies cover at least four basic categories(2) of damage:

Residential interiors;
Residential exteriors;
Liability protection for accidents occurring on the property;
Coverage for theft or vandalism-related property damage.

Interior and Exterior Property Damage

Homeowners insurance differs from mortgage insurance, although many homeowners pay both types of insurance along with monthly, quarterly, or annual mortgage payments. Mortgage insurance essentially protects a lender against a purchaser’s default.

By contrast, homeowners insurance helps compensate homeowners when unexpected calamities damage their property interests in the residence itself. For instance, if lightning strikes the home, homeowners insurance may help the homeowner pay for the cost of repairing roof damage.

It also covers repairing or replacing flooring impacted by leaking water. Most homeowners insurance policies maintain a claim limit of $100,000 per incident. (In some states, some companies do permit customers to purchase higher levels of insurance coverage.)

Liability And Theft Protections

One important item typically covered by homeowners insurance relates to a homeowner’s interest in protecting people who sustain injuries while visiting the property.

For example, if a tile slips from the roof and strikes a person delivering pizza to the residence, the property owner may face liability for the accident. A homeowners insurance policy usually offers some level of liability coverage protection in this type of situation.

Similarly, if a thief breaks into the home by battering down a door, a homeowners insurance policy will usually help the homeowner pay for replacing the damaged door and door lock.

Some policies will even cover intentional third party damage to the homeowner’s automobiles parked on the property.

Many homeowners insurance companies allow customers to purchase additional policy coverage riders to insure valued items of personal property on the premises against accidental damage or intentional thefts.

Read Your Homeowners Insurance Policy Carefully

In general, homeowners benefit by consulting about the provisions of their homeowners insurance policy with their insurance agent. The terms of individual policies sometimes vary significantly.

One policy might offer low premiums but include a hefty deductible. Another might cover one particular type of loss, such as damage to a roof caused by a toppling tree, but might exclude other types of casualties, such as wind damage to trees on the property during storms.

Homeowners sometimes discover they obtain more comprehensive protections by purchasing additional specified types of insurance coverage.

Additionally, consider that most homeowners insurance policies do exclude two broad categories of damage: Acts of War and Acts of God.(3)

The classification of a calamity within either of these designations may prevent an insured from obtaining coverage protection when disaster strikes.

For instance, if an invading army burns down the house (an Act of War) or an earthquake topples the garage (an Act of God), homeowners may not succeed in receiving compensation from their insurance company for their loss.

Why Policy Details Matter

While most policies do cover fire damage and water damage in general, the causative events sometimes determine whether or not a homeowner actually obtains compensation.

Usually, insurance companies will not compensate the insured for losses caused by floods, seismic activity, power failures, or accidents resulting from neglected property conditions. If you’d like to receive specific coverage for a potential hazard, clarifying this issue with an experienced insurance agent in advance may help prevent misunderstandings and confusion later.

Additionally, homeowners insurance closely resembles automotive insurance in one important respect: people who file repeated claims frequently experience difficulty obtaining coverage.

From a practical standpoint, a homeowner may discover handling small accidental losses out of pocket helps keep homeowners insurance premiums more affordable.

**Insurance companies do not have to sell policies to customers who pose a high risk of becoming claimants. This situation sometimes impacts a customer’s ability to qualify for home financing.

The Process of Filing a Homeowners Insurance Claim

After a homeowner discovers accidental damage to the property (or to visitors on the property), the insured typically files a claim by contacting the insurance company.

In many situations, the insurance firm will assign a property adjuster to investigate the underlying fact situation. This process might involve an insurance investigator or adjuster visiting the premises and photographing the damage.

When an insurance company approves a claim, the firm pays the insured property owner an amount determined by the terms of the policy.

An insured receives this payment less the cost of the deductible. In some cases, the insurer will also specify property mitigation requirements. (For example, insurance policies for commercial realty sometimes require a property owner to obtain water remediation or fire remediation services in order to receive full compensation.

Conceivably, in some states, insurance companies may include clauses requiring homeowners to obtain these remediation services, too.)

Research Homeowners Insurance Carefully

It usually proves prudent for homeowners to discuss their policy provisions in detail with their insurance agent before making a purchasing decision.

By shopping carefully for coverage, you’ll often locate the best available policy provisions for your circumstances. Individual homeowners insurance needs vary, so evaluating the most significant property risks in your location with your agent in light of your unique needs usually makes financial sense.

Helpful Resources to Continue Research:

Looking to sell your home? Use these tips to help you sell from area realtors.

If you found this advice, or any of my advice helpful, please consider buying from one of my affiliates at no additional cost to you and supporting The Military Move. When you click and make a purchase within 24 hours (at no additional charge), we receive a small donation. Thank you!

About the Author

Jessica Kane is a professional blogger who writes for Scaffold Store, the favorite and trusted scaffold supplier of the largest contractors.

Finances, Housing

The Buzz About Tankless Water Heaters

January 24, 2019 No Comments

Property owners in the Greater Seattle Area, as well as around the country, sometimes face an important decision: selecting a new water heater. Should you purchase a conventional water heater with a large tank, or a newer “tankless” brand? This brief article will discuss some of the pros and cons associated with the installation of this technology.

The Development of Tankless Water Heaters

Today, it startles most people to realize the concept of hot water on demand remains comparatively modern. An Englishman named Benjamin Waddy Maughan reportedly patented the first rudimentary water heater in 1868.

Known as the “Geyser,” this Victorian Era device heated water immediately before it entered a bathtub.(1) The invention served as one inspiration for the modern tankless water heater.

During the Twentieth Century, the concept of using a big tank to supply a steady stream of warm water directly to a residential plumbing system gained popularity. The public welcomed this innovation. Obtaining a dependable flow of warm water by simply turning on a faucet became a popular residential amenity during the 1890s and early 1900s.(2)

For decades, most homes in the United States relied upon large tanks to heat water for use in kitchens, bathrooms, and laundry rooms.

Electric Tankless Hot Water Heaters

Although experimentation with tankless water heating systems occurred during the latter half of the Nineteenth Century, this innovation did not become commercially available for several decades. During the late 1920s, a German firm named Stiebel Eltron began manufacturing small electric tankless water heating systems.

However, the technology did not really become competitive commercially for widespread residential use in the United States until the 1970s.(2) Today, consumers frequently opt to install tankless water heaters instead of conventional units with large tanks. Tankless designs operate using either gas or electricity. They fall into two categories.

Most frequently, an individual tankless system heats water immediately before use (at the tap level). A few companies also market “whole house” tankless systems designed to accommodate multiple faucets in a single residence.(3)

Some Important Tankless Water Heater Advantages

Tankless hot water heaters have gained popularity recently as a result of some important advantages. First, these units typically operate with greater energy efficiency because they heat water immediately before use. A homeowner does not spend money to heat 40 or 50 unused gallons of hot water at one time.

Second, tankless models tend to enjoy a considerably longer anticipated lifespan than units relying upon large tanks. The cost of this technology pro rated over the entire lifespan of the equipment usually proves less expensive. Additionally, gas-powered units often allow property owners to obtain federal or state tax rebates based upon the use of energy-efficient products.(4)

Third, tankless water heaters installed at the tap level frequently attach directly to a wall underneath a sink. The compactness of many modern tankless water heaters helps make them an ideal choice for use in some motels, hotels, and rental apartments. This technology does not monopolize valuable floor space.

Fourth, the absence of a water tank offers another important practical benefit. Although infrequent, leaks sometimes do occur in home water heating tanks. When they install tankless water heating systems, property owners don’t need to worry about ruptures in the tank soaking floors or causing water to spill onto nearby furnishings.(3)

Fifth, tankless systems permit the precise temperature regulation of hot water. This capability reduces safety problems associated with sudden spikes in hot water temperature. Many experts consider the new tankless units less apt to cause accidental hot water burns than conventional units.(5)

The Cons of Tankless Water Heaters

Of course, like every item of equipment, a tankless hot water heater also holds some drawbacks. These units don’t suit every residential property. Equipment with large tanks sometimes remains the best choice for several reasons:

First, the initial cost of acquiring a tankless system sometimes poses a practical barrier to the use of this technology. These innovative systems tend to cost between two and four times as much as conventional water heating equipment. Some buyers consider the initial outlay of funds prohibitively expensive.(5)

Second, property owners frequently must spend money on infrastructure improvements in order to use energy-efficient gas or electric tankless hot water heaters.

For example, it may become necessary to upgrade a home’s electrical system or expand the size of the residential natural gas line. These costs sometimes make the adoption of a tankless system quite expensive.(3)

Third, some rooms in residential properties simply cannot accommodate gas-powered tankless hot water heating equipment. These units require venting to an outside wall. This safety consideration makes this technology impractical for some homeowners.(4)

Fourth, tankless hot water heaters generate brief transient temperature fluctuations which sometimes create discomfort for people desiring immediate access to hot water.

This technology heats water shortly before it leaves the tap. However, bathers must wait a few seconds for the faucet to expel unheated cold water already in the line before they experience a reliable stream of hot water on demand. This problem proves most acute during the use of whole-house tankless heating units serving multiple faucets.(5)

So while a tankless system eliminates safety concerns associated with the use of overly hot water, it sometimes contributes to complaints from users that they must wait for water to warm up.

Fifth, the complexity of tankless hot water heaters means most customers must obtain experienced installation services. Since the use of this equipment often necessitates an infrastructure upgrade, it generally makes sense to depend upon an experienced, licensed HVAC or plumbing professional for assistance. The technology does not lend itself to DIY installation.(4)

Selecting A New Hot Water Heater

Both conventional and tankless hot water heaters supply pros and cons. Consider speaking with an experienced plumber or HVAC contractor about your situation before selecting the best equipment for your home. Not every tankless system suits every property. On the other hand, this technology sometimes produces significant long term savings!

Useful Resources to Research:
1. https://tanksandheaters.com/edwin-ruud-father-of-the-hot-water-heater/

2. https://www.neyerplumbing.com/blog/water-heater-service/a-short-history-of-the-amazing-tankless-water-heater/

3. https://home.howstuffworks.com/tankless-water-heater3.htm

4. https://www.angieslist.com/articles/what-are-pros-and-cons-tankless-water-heaters.htm

5. https://en.wikipedia.org/wiki/Tankless_water_heating

Looking to sell your home? Use these tips to help you sell from area realtors.

About the Author

Jessica Kane writes for PlumbersStock, the top choice of do-it-yourselfers and professional plumbers alike for all of their plumbing supply needs.

Housing

Update Your Space with a Fence

August 16, 2018 1 Comment

A simple way in which you can up the market value of your residence is to enhance its curb appeal. You do not need to spend a fortune on improving the street appearance of your home.

One step that you might want to consider taking as a means of improving the curb appeal of your property is to add a front perimeter fence to your property.

There are a number of factors to bear in mind when it comes to adding a front perimeter fence at your residence.

The Importance of Curb Appeal

Curb appeal is important when you have no plans to sell your home and want it to look tremendous. Curb appeal is vital if you want put your home on the market for sale.

There is a saying that you can’t judge a book by its cover. That may work for reading, but it isn’t accurate when it comes to selling your house.

The reality is that potential buyers are judging your house by how it looks from the curb. In fact, you may have an amazing interior, but if the front of your home is not up to par, you will lose potential buyers who will not even bother to set foot inside your home.

There are more simple steps that you can take to enhance the curb appeal of your home.

This includes such things as giving your home a fresh coat of paint.

In addition, you can give your landscaping an uplift as well. This includes dealing with problems with your lawn and making sure any plants on the premises look their best.

As was mentioned, a perimeter fence should be considered as well.

The Focus of a Perimeter Fence

You need to contemplate exactly what you want the focus of your fence to be when it comes to the issue of curb appeal. For example, if your home is in a neighborhood that has had issues regarding crime, the focus of a front perimeter fence should be on protection and security. This type of fence sends a reassuring message to people who like your home but who may have heard about crime issues nearby.

Perimeter Fence for Decoration

Another primary focus of a front perimeter fence is decoration and enhancing the overall appearance of your home.

In this regard, you have a myriad of options.

When it comes to a decorative front perimeter fence, you can head down the traditional path or you might have some sort of innovative idea of your own. With these points noted, you will want to make sure that whatever you select compliments and harmonizes with the design concepts of the house.

Perimeter Fence for Security

As mentioned a moment ago, a prime focus for a perimeter fence can be security.

There are fences that are designed with a specific focus on security. These fences typically come complete with gates that activate via remote control, permitting you to drive onto the property without having to exit you automobile.

Keep in mind that just because a perimeter fence has a focus on security doesn’t mean that it cannot be attractive in appearance.

Perimeter Fence for Privacy

A key consideration for many people looking to buy a home is privacy.

Privacy concerns rise in a variety of situations. These include in neighborhoods in which houses are relatively close together.

When considering curb appeal, particularly with an eye to selling your home, adding a privacy front perimeter fence very well make your home far more attractive to potential buyers. In addition, adding a front perimeter fence with a focus on privacy works both ways.

Yes, it likely will make your property more attractive to a prospective buyer. However, it also allows you, your family, and your guests the ability to enjoy all that your front yard has to offer.

You are able to do this without the prying eyes of the neighbors or people motoring by.

Perimeter Fence for Multiple Purposes

Keep in mind that even if you have a primary focus for a perimeter fence, you are not resigned to having a single purpose front fence.

Rather, you can construct a perimeter fence that covers all the bases, at least to some degree.

You can work closely with a contractor to convey what you really desire from a front perimeter fence.

You will find that there are preexisting designs and products that likely meet your needs.

In addition, there are fencing companies that will assist you in coming up with a customized option the specifically satisfies your needs.

Looking to sell your home? Use these tips to help you sell from area realtors.

About the Author

Jessica Kane is a writer for Viking Fence, the number one fence rental company in Houston.

Housing

Changes to Your New Home

February 4, 2018 No Comments

I have moved over 15 times and about 1/2 of those were in my adult life. Moving is what we do in the military. Change is inevitable.

Moving can be a fun, yet exhausting adventure. When you move in to your new place, you either want to start packing immediately or crash because of all of the packing, the move itself, and the unloading.

However, how often do you think of the little things you need to change?

Here are 5 changes you need to do when you buy your new house.

Change the Locks

You never know if the last owner/tenant still have keys to YOUR new house. This is the most important change you can make for the security of your family.

You can buy new locks at a home improvement store (I recommend a deadbolt lock for all exterior doors – including the garage). If you are not handy, consider hiring a recommended local locksmith to change the locks.

Included in this – check all your windows and be sure they are locked.

Throw Out the First Ice Batch

The first ice from the automatic ice maker should go down the drain. Hopefully, the appliances received a good cleaning – perhaps with bleach. If not, go ahead and give it a good clean and then throw out the first batch. You don’t want any residual in your cold drinks while unpacking all those boxes.

Change the Toilet Seats

You just bought a house. I know, you are probably very low on money. However, this may be one area of upgrade or change you may want to invest in if possible.

A toilet seat costs on average $15-30. We changed the porcelain ones that were standard on ours to nice elongated durable plastic ones.

Mow Overgrown Grass

Seems pretty obvious, right? Well this usually gets put on the back burner. However, if you have outdoor pets or kids, you want to get this under control fast.

Overgrown grass is home to slithering creatures such as snakes (which can be dangerous depending on the area), ticks, fleas, and more.

Children may not want to be cooped up in your house and the backyard can be a perfect outlet for them while you are unpacking. Spend a few hours focusing on the yard to give yourself the time you need to organize indoors.

Change the Batteries in the Smoke Alarms

There is nothing worse than waking up Day 3 at 3am to the annoying chirping sound of the smoke alarm. It gets the dogs barking which then wakes up the children, and you are now an official zombie. Go buy a few packs of 9-volt batteries and change them.

Getting ready to move? Get your PCS guides here.

Doing a DITY move? Read 5 tips that I swear by here.

About the Author

Kelsey Ramirez is a Real Estate Broker in western Washington. She is also a veteran elementary school teacher, military wife, and mom to two daughters. She is the founder of The Military Move, a military-based website to help families in the PCS process. Kelsey loves to travel, write, and create amazing content. She has her Masters in Technology, which she uses to learn all new things digital.

With three decades of military support, Kelsey’s mission is to help new and existing military families in their unique adventures through all military topics including PCSing, budgeting, school choice and rights, housing, and especially just being a military spouse.

Family, Housing, Moving, Travel

The Complete Moving Guide

December 30, 2017 No Comments

I have made several military moves in my lifetime. From California to South Carolina, Maryland to Georgia, I have learned a few tricks along the way to create a quick and easy complete DIY guide.

Moving can be one of the most stressful experiences for any person. Whether you are doing it yourself or having help, there are countless things that are bound to…well drive you a little nuts.

Even government moves can be stressful. It really depends on what type of person you are and what you prefer.

*This post contains affiliate links – if you purchase something from this post, I receive a small commission with NO extra cost to you. To see my full disclosure click here. Thanks for supporting us!

Getting Prepared

I love having a plan. It helps me lower my stress and know just what I intend to do. I have created a moving checklist and how-to guide to help any first-time or veteran mover. You can download it by signing up below for FREE.

I will also give you my FREE PCS Notebook Guide to show you all the important things that I keep together. This has helped me complete all necessary things with our rentals/mortgage, registering for schools, bordering animals, and much more.

Another part of moving is making sure you have everything organized beside just your household goods. You need to have your life basically organized so that when you travel to your new location, you are ready to go.

Need to register the kids for school? No problem. Need to get your car insurance redirected? No issues.

A few weeks ago, I had to go to the DMV to get a hard copy of my car title (since I like to have it on hand). The lady was shocked at my PCS Binder and how organized I was – she even thanked me.

Guess what! I want to give it to you for FREE – just for reading because I know you will LOVE it, and it will help you complete your mover’s toolbox.

Enter you info below and it will be emailed right over to you.

Additionally, when you sign up, you will receive your PCS Expense and Budget Worksheet to help determine your costs for your DITY move.

The lady was shocked at my PCS Binder - she even thanked me.

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Government Moves

When you do a government move – ALWAYS do the counseling. Either the active member or the spouse – do not skip this.

“Why? I’m too busy!”

No, you’re not! Not for this! Make yourself available.

When you do a government move, you are giving them most if not all of your stuff. Some may get damaged or lost, and you need to know the process to file a claim to get that started.

You will have POC’s – point of contacts – you will need to save in your phone as well. It is a very detailed and drawn out process and can be the deciding point of how much money you receive.

I have an upcoming post on how to deal with government moves/movers in greater detail that you can check out.

DITY Moves

Are you doing a Do-IT-Yourself move?

Many service members like these moves because they can keep an eye on their stuff – keeping them in control. Some believe they can do it cheaper than a full government move allowing them to make some money.

I have done both moves and both have their pros and cons. Shoot me any questions you may have in the comments below.

We made a good amount of money on our DITY move and you can check out some of my tips here.

Many service members like these moves because they can keep an eye on their stuff.

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About the Author

Family, Housing, Spouses

Making Sure You are Prepared For An Emergency

September 3, 2017 2 Comments

How Do I Know

I was 3 when Hurricane Hugo hit South Carolina, living in Myrtle Beach, we had to evacuate. Hurricane Matthew last year forced us to evacuate when it was projected to be a direct hit as a Category 4.

Luckily, we did not see the devastation as it downgraded and skirted more north.

However, I did stay through Hurricane Bertha, Hurricane Gaston, Hurricane Ida, Hurricane Fran, Hurricane Irene, and Tropical Storm Sandy (which hit us on the southern end in Maryland).

I learned several key things through going through those storms that I want to share.

Search and Rescue

My husband conducted search and rescue for 8 years prior to us coming to a security unit. I know how hard that was on him after back to back missions, so I cannot imagine how days of continuous rescues would be after watching the aftermath of Hurricane Harvey.

Search and rescue during city wide emergencies takes the community coming together.

I was so touched and thankful for the residents of Texas at how they came together to help their neighbors.

Complete strangers, such as the Cajun Navy, came with their boats ready to step in and help local officials.

Millions around the country donated, and emergency personnel including police, fire rescue, National Guard, and the Coast Guard worked around the clock.

However, as tirelessly as they worked, there was loss of life, and I want to help lower those chances!

Save

Search and rescue during emergencies takes the community coming together

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Planning for an Emergency

Emergencies are not always forecasted. You cannot plan for tornadoes, flash floods, or earthquakes.

However, these events can wreak havoc on homes and families. Some people like to be spontaneous, but in this case, it’s important to have a plan for the “what-if.”

Emergency Notebook

I have a PCS (permanent change of station, for my non-military people) Notebook that has every important document I need when we move.

This serves a dual purpose because when we evacuate for storms (which can be at least once a year), I throw that notebook in my car. Want to know what I think should be in your PCS/evacuation notebook (or want a sneak-peek into mine)? If so, enter you email below and I will immediately send you the pdf.

Home Emergency Supplies

Whether it be a hurricane, tornado, earthquake, or minor flood, these items will help if you have them on-hand.

Water is usually a commodity that people do not hoard as they are drinking it. However, having a case of water (about $2.50 for 32 bottles at Wal-Mart) can help when you are in a bind and the water is off.

However, batteries for flashlights, a first-aid kit or makeshift one (band-aids, gauze, Tylenol or Motrin, ace bandage, etc.), and cash are important.

Why cash? Because when power goes out, systems go down – and you may need that cash handy.

IF you have a rainy-day fund – I suggest at least $250. This can help if you need to get gas, food, or if you have to leave because it is so bad.

Take photos of the things in your home (all expensive things especially) and the outside of your home (as proof for your insurance company). I have this on my portable hard drive to take if we evacuate.

Keep reading for what steps you need to take when a storm is projected to come.

Car Supplies

Do you remember seeing the images of TONS of stranded motorists in Atlanta in 2014?

Let me remind you (compliments of CNN)…

Drivers were in stand still traffic, the roads became a skating rink, and cars started to become stranded.

In the winter, you want to includes these things in case you are caught in a freak storm like this.

Be sure to have in your car:

Blanket and jacket/sweather (to provide warmth when you have to turn off the engine to save gas)
Non-perishable food (some sort of food supply to hold you over until traffic moves, ice melts, or help comes)
Few bottles of water
Pair of socks and mittens/gloves (again sustained warmth)

All of these things together can be in your trunk or behind a seat and is worth it if you find yourself in this predicament.

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Some people are spontaneous. During a storm, it is important to have a plan

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When the Storm is Coming

To evacuate or to “shelter in place,” that is the question.

When a hurricane or tropical storm is headed towards you, you have an important decision to make. Only you can make that decision for you and your family; however, let some factors guide you.

Do you have small children? If yes, you may want to consider leaving as losing electricity can alter their routine. If you have ever changed bed-time, you know what I mean.
Are they calling for floods? Unfortunately, southern Texas just saw what torrential rain did to their region – devastating losses for both property and life. Are you prepared to get on your roof with pets and kids until you can be saved?
Do you have a physical ailment – such as a debilitating disease, wheel-chair bound, or even pregnancy that would make leaving after the storm with unknown circumstances much harder?
Is your home classified as “unsafe” – most pre-fabricated homes or beach homes may not withstand high winds or storm surge.
Are you ready to “rough” it? When Matthew hit here, while we did not get a lot of damage – the public water source was unable to handle the back-up of water flow. Many homes got pretty stinky with back-up.

Prepare, Prepare, Prepare

You made the decision to “shelter in place.” So where do you start?

High winds? Start boarding up those windows (not taping, as this can make it worse)- you don’t want to be in your home with a Category 2+ storm with your windows busting, and debris and glass going everywhere. Go to your nearest home improvement store.
Stock up on water (at least a gallon per person a day or about a case or two per person).
Non-perishable foods – foods that do not need refrigeration or power to cook.
Fill up the washing machine and bathtub for clean water for toilets (know your plumbing – basement toilets are not always the place to go).
Put water in Ziplock bags (quart size are best), Tupperware, cups, and clean trash cans. Freeze whatever water you can fit in your freezer – place some in fridge if electricity goes out.
Eat perishable food first from fridge when electricity goes out – fruit, veggies, yogurts, sandwich fixings, etc.
Batteries, batteries, batteries – did I say that before?
If you haven’t already – take photos of everything you do not have a receipt for.
Sandbags – put them by your front door, back door, side door, wherever you have a door, and garage.
Bring all lawn furniture inside – you do not want your lawn chairs and umbrella destroying a fence, etc.
Portable generators – IF you chose to purchase one – KNOW HOW TO USE IT – carbon monoxide poisoning is FATAL.
Propane – after the storm, you can cook on your grill if you still do not have electricity (bring inside, but don’t use during the storm).
Full tank of gas in your car (gas prices may soar after the storm).
Consider a CB radio as alternate communication.
Freeze a cup of water. Place a quarter on top of it. If you leave for any reason for an extended period, this will help you know how long you lost power. If the quarter is frozen inside the water (an no longer on top), you may want to consider restocking your fridge and freezer.
If you lose power, please strongly think about whether or not you can pay for the groceries without your insurance’s help. Yes, they will help you if you make a claim. However, this could cause problems down the road if you have to change your coverage. Try to only make BIG claims.

Emergency Evacuation

This is the choice many make or are told to make (if the military requires it).

Many commands or units decide before cities to mandatory evacuate families while the member deploys out with government assets.

If you find yourself in this position, have a plan and prepare to be flexible.

Evacuation Mode

Sometimes one of the hardest decisions is to leave all of your stuff behind; however, it could also be the one thing that saves your life. Here are some tips:

Get your PCS/Evacuation notebook that you downloaded from up above – this is one of the most important things.
Search for a hotel inland (look at the projected path to determine a distance away from the storm).
Military members have an evacuation location. While you do not necessarily have to go to that location, your entitlement is based on that location (keep this in mind, or look up hotels to get an average price point).
Be prepared for roads to be insane – pack a car charger or GPS to travel back roads.
Take water, snacks, travel games (small puzzles, coloring books, iPad, books) for the kids, and wear comfy clothes.
Keep ALL receipts.
Fill up your tank (if you haven’t already) before you get on the interstate.
Pull out cash (if you can).
Before you leave, pack whatever valuables that cannot be replaced (jewelry pieces, small keepsakes or family heirlooms), a portable hard drive or SD card, and enough clothes for a week.
Have contact information for your ombudsman or family members.

If you are military, read this article (I am actually quoted in it) from Military.com on entitlement information (or how to get paid for leaving).

Have you had to evacuate? Tell us your experience in the comments below, and be sure to download my PCS notebook!

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Housing

House Selling Tips

August 28, 2017 No Comments

Selling a house is a scary process.

Will the house sell?

Will it sell for the amount you want or need?

For military sellers, will it sell before you transfer to your next unit?

We bought a home when we came to Georgia. We are up for orders this year, so I solicited some of the best realtors to provide me their best seller’s tips. They are sure you will maximize your profits on selling your house if you do some of these things below.

Tips from Jessica Kelly

With prices rising and inventory low, this is a great time for military home owners to maximize their investment when selling their home. Here are a few quick tips to help attract buyers to your property.

Take some time to go through each room and remove all your personal items. Try to create a neutral, clean palette. This will give you a head start on the actual moving process while providing prospective buyers the opportunity to “see themselves” living in your home.
Elevate your curb appeal – Have some overgrown hedges or maybe a few branches blocking the view of your home. Now is the time to step back, look at your home from the street and get to work. Some buyers will drive up to a home and with the first look decide whether or not to go inside. Make sure your home shows well so buyers make it through the front door.
Pre-listing inspection – Everyone hates surprises, especially in the home buying and selling process. This will help with your seller’s disclosure and ensure that your client’s inspection doesn’t find anything in your home that may cause the deal to fall through. Take the time to repair anything that the inspector finds and give yourself some peace of mind.
Work with a qualified realtor in your area. Remember realtors who specialize in military relocations understand your unique concerns and can help you navigate the process. Whether it’s questions about VA loans or short notice orders requiring quick sale time, we have the knowledge and experience to guide you through a successful transaction

Jessica Kelly

RS-79548

Century 21 All Islands Fine Homes & Estate

Website: www.jessicakelly.hawaiimoves.com

FB: Jessica Kelly, Realtor C21 All Islands Fine Homes & Estates

Tips from Erin Ward

Price your home correctly. Ignore what the online “estimates” say and work with your Realtor to accurately price your home based on local activity in your area. A Realtor has more information available to them for better accuracy than many of the online websites providing home estimates today. Having an accurate pricing strategy will allow you to decrease your time on the market ultimately netting you more money.
Military families often need to sell their homes quickly in order to avoid carrying two mortgage payments. It’s important to set your home up to be desired. According to the National Association of Realtors, 90% of home buyers search for online for their new home, so your home needs to shine through professional pictures. Ensure that you have decluttered and have a neutral color palette that will entice buyers to go from online through the front door of your home to get that perfect offer quickly!

Erin Ward

HRVA Homes

Cell:757-303-2367

Office: 757-499-5911

Work with your Realtor to accurately price your home.

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Moving soon? Get your complete moving guide here.

Tips from Ashley Tauzier

Make rooms appear as large as possible by getting rid of unnecessary items.
Freshen up paint colors to a neutral palate to appeal to the majority of buyers.
Have carpets steamed cleaned and/or stretch to show in the best condition.
Curb Appeal is so important. Clean up flower beds, fresh paint on doors, trim, shutters and window boxes.
Change out light bulbs, fix broken blinds, etc. Neglect of small maintenance items can make a buyers mind race to conclusions that bigger items have not been addressed as well.

Ashley Tauzier

Realtor

Cell: 571-469-0901

Office: 703-396-6000

Ashley@MyNorthernVARealtor.com

Berkshire Hathaway Home Services

PenFed Realty

13555 Wellington Center, Ste 107

Gainesville, VA 20155

Licensed in Virginia

NVAR Million Dollar Top Producer, 2016

Tips from Amanda Durham-Martin

We all take pride in displaying our family portraits, vacation photos, and even our kids drawing from school, but sometimes it can be hard for potential buyers to picture themselves in your home when your family pictures are displayed throughout the home. So it’s best to go ahead and pack them away, this will just be a head start on your move packing!!
Choose a Realtor that takes pride in providing professional pictures for listings. This makes an INCREDIBLE difference when listing your home for sale. Let’s face it, we all love looking at pictures, and this is the best way to get showings for your home!
De-clutter the house. We all know when moving, we suddenly realize just HOW MUCH STUFF we accumulate over the years. When you de-clutter your home prior to listing, this gives the potential buyers an “open & airy” feeling of the home, instead of them thinking, “Oh our stuff will never fit in this home!”
Curb appeal! Some new flowers, couple bags of mulch, fresh cut grass, and possibly a pressure cleaning go a long way when it comes to selling a home. If the home looks “dirty” and uncared for, then buyers generally pass over the house. First impressions are always key to getting buyers in the door.
One of the most important things, and generally the hardest, is to keep the home in “Showing” condition at all time! This can be especially difficult with kids and pets, but a home that is always ready for a buyer to walk through the door is one that sells. If a buyer wants to see a house at a moments notice, and they are told to come back later, chances are they will just move on to the next home. This is one thing you do not want!

Amanda Durham-Martin

Licensed Realtor®

Coastal VA Military
Relocation Group
Direct:

321.806.6717

E-mail: coastalvamilitary@gmail.com

Keller Williams Coastal Virginia

1100 Volvo Parkway, Ste 200

Chesapeake, VA 23320

Choose realtors who take professional pictures.

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Moving into a new house? Check out the article – Are You Getting Enough House for Your BAH here.

Have you ever sold your home? What tips do you use to sell quickly for the most amount of money? Perhaps your agent can use the new virtual technology to sell to buyers out of area. Leave your tips in the comments below!

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Housing

Are You Getting the Most House for Your BAH?

August 1, 2017 No Comments

Home buying is such as important endeavor for families and individuals. It is such a huge financial move that you want to make sure you are on the right side of things when you pick that perfect starter home or forever dream home.

I remember my experience buying our first home, and MAN what an experience that was. I will write a whole separate post on that journey. However for now, I took to the experts to get all the best tips on buying your first or next home.

Tips to Ensure You are Getting the Best Deal

Tips from Realtor Lauren Taylor

1. Start with Virtual House Hunting. Ask your Agent what type of tools they use to facilitate long distance house hunting. Our buyers benefit from house hunting for months prior to when them arriving at their new duty station. It’s saves homebuyers time and money in the house hunting process!

2. Don’t wait to buy. Home ownership is the greatest wealth separator in America. Many military families wait to purchase a home until retirement and ultimately pay the price as rent increases every year. If you are stationed somewhere for more than 3 years you should consider purchasing a home.

3. Use a REALTOR that specializes in VA Home Loan. The VA home loan is a specialized tool. You wouldn’t ask a pilot to captain a submarine would you?? NO! Ask your REALTOR how many VA home loans they close a month and chose an Agent who is well versed in the 0% down program!

4. Leverage sellers for closing costs. In a low inventory market it is difficult to beat out other offers when you’re requesting closing cost credits. Wait until an inspection has been completed to request credit repairs to help with closing costs. Often sellers won’t want to start the entire process over and will accommodate buyers requests mid-escrow.

Savvy Homes – BIG BLOCK REALITY

Lauren@TaylorRealtySd.org

760-846-2810

Use a REALTOR that specializes in VA Home Loan. The VA home loan is a specialized tool.

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Tips from Realtor Erin Ward

1. Make sure you are working with a Realtor who understands the military, the VA loan and the difficulties with PCS’ing. The VA will not underwrite a loan for just any home, so having a Realtor who understands the VA appraisal process is imperative.

2. I often work with buyers as early as a year out from their PCS, knowing things can change, but it allows us plenty of lead time to get them into the home of their dreams when they move to Hampton Roads avoiding lag time or lengthy hotel stays.

3. Get pre-approved! Work with your Realtor to connect you with local lenders experienced with VA loans to know how much house you can afford. It’s important to know this information before you begin your home search so that you look only at the homes that will work for you and avoid those that are outside or even too low for you budget which often leads to a frustrating search.

HRVA Homes

Cell:757-303-2367

Office: 757-499-5911

erin@hrvahomes.com

www.hrvahomes.com

Keller Williams Elite- Town Center

1 Columbus St Ste 1100, Virginia Beach, VA 23452

Each Office Independently Owned and Operated

Tips from Realtor Nadia Anac

1. Work with a local lender and compare rates. Local lenders have a vested interest in the community they are serving, making them more knowledgeable about the area than a larger, national corporation. They will also be more competitive with their rates, because they are smaller companies who want your business. Getting pre-approved is the first step in the home buying process.

2. Bring your best foot forward when putting in an offer. If you really love a house, put the best offer that you are comfortable with. Sometimes even a personal note to the Seller telling them about yourself and why you love the house can make all the difference.

Nadia Anac- Liz Moore and Associates

www.lizmoore.com

Liz Moore and Associates delivers extraordinary real estate services in Hampton Roads, Virginia including Williamsburg, Newport News, Hampton, and others.

Tips from Realtor Ruby Stults

1. Buying a home is such a good investment opportunity! The VA loan is an amazing benefit, and everyone should take advantage of it. Remember that you can use your VA loan more than once! They cap the amount you can borrow, not how many times you can use it.

2. Keep in mind that if a company offers you a monetary incentive, that money comes from somewhere, and it’s not from their bottom line.

3. Most importantly, don’t be afraid of real estate agents! As a buyer, having an agent costs you nothing. We are here to help save you time and money. Let us.

Buyer Specialist

Welcome Home Team of Keller Williams

Fort Bragg/Fayetteville, NC

Ruby@WelcomeHomeTeamNC.com

(360)319-7200

You can use your VA loan more than once! They cap the amount borrowed, not how many times used.

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Are you in the market for a new home? Use one of the amazing ladies above or let me help you find someone. I am a real estate broker in western Washington, and I have connections worldwide.

Visit my website here or download my app here.

Do you have any tips when you purchased a home to get the most bang for your buck? Tell us in the comments below and share this article with your friends so they can too.

1) Get Your Financing Before You Get Your Home

2) Look at the Community, Not Just the Home

3) Be Fair with Your First Offer

4) Always Rely on a Home Inspection

5) Do Not Alienate the Sellers of the Home

About the Author

The Ring Video Security Doorbell System

RCA Doorbell Home Security System

VTech Video Doorbell Security System

Nest Hello Doorbell Security System

About the Author

Homeowners Insurance Protections Vary by State

Interior and Exterior Property Damage

Liability And Theft Protections

Read Your Homeowners Insurance Policy Carefully

Why Policy Details Matter

The Process of Filing a Homeowners Insurance Claim

Research Homeowners Insurance Carefully

About the Author

The Development of Tankless Water Heaters

Electric Tankless Hot Water Heaters

Some Important Tankless Water Heater Advantages

The Cons of Tankless Water Heaters

Selecting A New Hot Water Heater

About the Author

The Importance of Curb Appeal

The Focus of a Perimeter Fence

Perimeter Fence for Decoration

Perimeter Fence for Security

Perimeter Fence for Privacy

Perimeter Fence for Multiple Purposes

About the Author

Change the Locks

Throw Out the First Ice Batch

Change the Toilet Seats

Mow Overgrown Grass

Change the Batteries in the Smoke Alarms

About the Author

Getting Prepared

Get your Moving Day Checklist Here

Government Moves

DITY Moves

About the Author

How Do I Know

Search and Rescue

Planning for an Emergency

Emergency Notebook

Home Emergency Supplies

Car Supplies

When the Storm is Coming

Prepare, Prepare, Prepare

Emergency Evacuation

Evacuation Mode

About the Author

Tips from Jessica Kelly

Jessica Kelly

Tips from Erin Ward

Erin Ward

Tips from Ashley Tauzier

Ashley Tauzier

Tips from Amanda Durham-Martin

Amanda Durham-Martin

About the Author

Tips to Ensure You are Getting the Best Deal

Tips from Realtor Lauren Taylor

Lauren Taylor

Tips from Realtor Erin Ward

Erin Ward

Tips from Realtor Nadia Anac

Nadia Adac

Tips from Realtor Ruby Stults

Ruby Stults