Sug Jandu's Blog
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If you’re a first-time homebuyer you might be worried or anxious about the process of making an offer on a home. After all, negotiating isn’t something most of us look forward to on a day to day basis and we try to avoid it when possible. When it comes to buying a home, however, negotiating is usually part of the process.
One of the benefits of working with a real estate agent is that they have the knowledge and expertise to help you out through the negotiation process. Not only will they help you formulate your offer, but they’ll also present the offer for you and handle the in-person negotiations.
Buyer’s vs seller’s market
Whether or not the odds are in your favor depends on many things. One important factor is the state of the real estate marketing. In a seller’s market, which is what we’re in right now, there are more buyers looking for homes than there are sellers trying to sell them.
However, you can still edge past the competition in a seller’s market if you plan accordingly. This is when negotiation comes into play, and when effective negotiation can get your offer accepted where others are declined.
Time is of the essence
When you’re shopping for a home in a seller’s market, you’ll need to be swift with your offer and counteroffers to stay ahead of other prospective buyers. However, being too hasty with your offers can seem imposing or reckless. It’s better to take a day longer to come up with a more effective offer than it is to make an offer that looks bad to the seller.
Be clear and concise
Just as you’re nervous making offers on a home, sellers are usually nervous fielding them. So, if you want to make things easier for you and your seller, make sure your offer is simple and straightforward.
This involves removing unnecessary contingencies and sticking to the contract basics--inspection, appraisal, and financing. If the seller receives another offer that is riddled with contingencies, they might prefer to work with you since you presented them with a simple contract.
Having your paperwork in order, getting preapproved, and making yourself available as much as possible will go a long way in the negotiation process. Now more than ever it’s important to be well-organized.
Do your homework on the house and neighborhood you’re interested in. Make sure you know if there is a lot of interest in the area and the house in particular. This will let you know how much breathing room you have.
Getting preapproved will not only help you know the limits you can offer but it will also signal to the seller that you’re a serious buyer.
Your kitchen is an often used room and can become cluttered very quickly. There are plenty of strategies that you can use to keep the room in order. Below, you’ll find tips that will help you to keep your kitchen decluttered and your supplies organized once and for all!
Make Space For Storage
This sounds like an obvious need in any room of the house, but the kitchen is a place where you need ample storage. There are a few ways to do this. Outside of your cabinets, you can install freestanding storage units, like shelving or extra cabinets. Even an armoire can help you to have a space to beautifully display your dishes.
Under your sink, you can keep your most frequently used items like soap, sponges, and detergent in easy to access solutions. Either install a small turntable, or simple get bins that can be labeled and pulled out as needed. This will keep everything you need together neat and tidy. It will be difficult to actually disorganize this space once you have completed this small task.
What would a kitchen be without coffee? If you brew a cup of joe every morning, you’ll want easy access to coffee supplies. Dedicate a space next to the coffeemaker where you’ll keep the coffee, mugs, beans, and other supplies. You can even keep your travel mugs near this space within reach when you’re running out the door. If there’s little room on the counter, hang hooks on the wall to keep coffee mugs and travel mugs out of the way.
Tackle The Trash And Recycling
There’s nothing worse than having trash and recycling all over your kitchen. Keep these items concealed in dedicated cabinets. The perfect place for the trash and the recycling is next to the sink since that’s the most convenient location for the trash to be in.
The recycling will follow the same pattern as it needs to be rinsed out and ready to go outside in the bins.
Keep The Family Organized
A kitchen is a great place for you to have a center of communication for your family. This is where a bulletin board can be placed with important documents. A calendar listing all of the family’s activities and appointments can be hung for everyone’s reference. This area make use of a small space that would otherwise be wasted in your kitchen. It also serves a dual purpose in keeping the family organized.
Small changes can make a big difference in the kitchen when it comes to clutter, storage, and organization. Once you get started, keeping the clutter at bay can be very easy.
Looking for a healthful treat? One that will keep you energized when you need a boost? Or a treat for the kids to replace sweets or cookies? These scrumptious Pecan, Coconut & Date Bars might be just what you're looking for. Great for travel, camping or giving to friends and co-workers, they blend the buttery goodness of pecans with the natural sweetness of dates. Unsweetened coconut lends a touch of texture and bolsters the nutritional impact of these delicious bars.
Just Three Ingredients
In addition to a food processor, you'll only need:
That's it! That's the whole recipe.
How to Make Your Bars
Step 1. Place all three ingredients in your food processor and blend them together.
Step 2. With a spatula, move the mixture from the food processor into an 8 × 8 × 2” baking pan.
Step 3. Press.
Step 4. Presto! Simply cut the mix into bars of your desired size. No cooking necessary.
Any time you are looking for a way to replace refined sugar or chocolate chips in recipes, think of dates. Natural sugar provides considerably more nutritional value than refined options.
One date carries 20 calories, and this is one reason Pecan, Coconut & Date bars are a high-energy treat. While these treats are not a low caloric food, and are best made just for special occasions, the nut content means they support healthy metabolism. They also provide vital nutrients:
So, enjoy your date bars and make some to share!
There are so many factors that go into finding and securing the financing to buy a home. While lenders require quite a bit of information for you to get a loan, you still need to be aware of your own financial picture. Even if you’re pre-approved for a certain amount of money to buy a home, you still need to dig into your finances a bit deeper than a lender would. The bottom line is that you can't rely solely on a lender to tell you how much you can afford for a monthly payment on a home. Even if you’re approved to borrow the maximum amount of money for your finances to buy a home, it doesn’t mean that you actually should use that amount. There are so many other real world things that you need to consider outside of the basic numbers that are plugged into a mortgage formula.
Run Your Own Numbers
It’s important to sit down and do your own budget when you’re getting ready to buy a home. You have plenty of monthly expenses including student loan debt, car payments, utility bills, and more. Don’t forget that you need to eat too! Think about what your lifestyle is like. How much do you spend on food? Do you go out to the movies often or spend a regular amount of cash on clothing? Even if you plan to make adjustments to these habits when buying a home, you’ll want to think honestly about all of your needs and spending habits before signing on to buy a home.
Now, you’ll know what your true monthly costs are. Be sure to include things like home insurance, property taxes, monthly utilities, and any other personal monthly expenses in this budget. If you plan to put down a lower amount on the home, you’ll also need to include additional insurance costs like private mortgage insurance (PMI).
The magic number that you should remember when it comes to housing costs is 30%. This is the percentage of your monthly income that you should plan to spend on housing. Realistically, this could make your budget tight so this is often thought of as a maximum percentage. By law, a lender can’t approve a mortgage that would take up more than 35% of your monthly income. Some lenders have even stricter requirements such as not allowing a borrower to have a mortgage that would be more than 28% of monthly income. This is where the debt-to-income ratio comes into play.
As you can see, it’s important to take an earnest look at your finances to avoid larger money issues when you buy a home.