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Welcoming a New Neighbor Into Their Home

  
  
welcome neighbor

If you have ever moved, I'm sure you can remember how stressful it was. I have moved many times over the years and that moment the moving van leaves, I realize I'm really in my new home. One particular move was to a new state 2,000 miles away. The mover said good by and an overwhelming feeling of relief and panic came over me. I realized at that moment that I didn't even know where the grocery store was. I was exhausted and hungry and didn't have a clue. Having that first neighbor come over and introduce themselves was such a welcoming experience. They brought me a folder which contained some local businesses that I may need. The first business I used was for delivery pizza that night. Below are some ideas for a welcome gift.

Finding A Good Moving Company in Massachusetts

  
  
mass movers association

Moving household belongings is not something people do often, therefore, choosing a legitimate and trustworthy mover can be difficult. A large Yellow Page ad, a prominent spot on a Google search or the lowest price is too often the deciding factor in making your decision. This can be a big mistake. 

Common Question about Packing & Moving

  
  
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If you are planning a move, you may be getting advice from a lot of different sources: friends, coworkers and family. The best place to get your questions answered is from your moving company. Below you will find some answers to the most common questions.

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10 Tips For Storage

  
  
storage unit

Storage is a great option when you have excessive items in your home. Maybe a parent is downsizing, a storage unit can keep their belongings safe until a later date. Perhaps you have sold your house but have not found a new one. What ever the case may be, below you will find valuable tips to prepare and protect your belonging in storage.

Moving Electronics

  
  
electronics

Moving electronics is a daunting task.  Many people do not know how delicate electronics are.  Dropping them and spilling liquids on them is not the only way of ruining your one of your favorite toys. 

Moving the Elderly

  
  
Elderly moving

 Whether you have an elderly grandparent, aunt, uncle, neighbor, or parent, every senior is going to need some kind of help moving and each move is going to be unique based on the situation.  If they are moving in with you or into an assisted living facility, you will need to do something with their furniture and decor.  If they are simply downsizing there will be plenty to pack,  but you will still need to help them decide what to keep. 

Packing Your Child's Room

  
  
kids in moving box[1] resized 600

Packing your kids room can be a frusturating task.  What you think is trash may be worth gold to your kids, it may be an old sweater that they can't fit into anymore or an old broken toy.

3 Tips to Avoid Common Moving Mistakes

  
  
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Moving can be an exciting time or a stressful time.  But regardless, moving can break your back and wallet. So here are 3 mistakes most people make when planning a move.

Sending Your Child to College

  
  
diploma Sending your child to college may be exciting for the child leaving, but a feeling of loss comes over the parent. So I'm writing this article to help prepare the parent and young adult for college.
Your young adult may be excited and thrilled to get out from the under your wings.  But don't let those reins to run too loose. 
Remember all discussions with your child should be in a calm manner, do not wait until a crises happens.
Discuss Your Expectations with your son/daughter about their conduct living on campus.  Explain that they must keep their grades above a certain average, this may help in derailing some behaviors and diversions in the way of your child's education.  
Delay Buying a Car for at least the first couple years of college.  Many students don't have cars and campus' usually provide everything you will need for class and more.  Not too mention that because most college students don't have cars and if your child does, everyone will be asking him/her for a ride and this will increase your child's incident for an accident.
Students Should Live on Campus or in housing for students if they are not commuting from home.  Parents should pay visits to their child's dorm and walk around campus when classes are out to get a feel for the environment.  
Students Should Not Have too Much Alone Time.  Keep them busy with volunteer work, part-time jobs, sports, or internships.  This will help a lot to keep them out of trouble.
Don't Give Your Kids too Much Money.  Maybe give them a credit card instead of cash so you can monitor what they are spending their money on.  More cash equals more trouble, it costs money to head off campus and party.
Listen to Your Intuition.  If you suspect something is wrong, give your child a call or a visit.  Instances that can cause alarm are when your son/daughter misses a schedule call with you, starts cutting calls short, or when they cannot be reached. 
Have a Way to Communicate With Your Child.  Even if your child has a cell phone, things can go wrong or get lost.  You should obtain the number to the room advisor of the dorm, campus security, student advisor, college roommate, any friends of your child, and maybe even the parent of the roommate.
 
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Closing a Real Estate Deal

  
  
houseA closing is when you sign papers that make the house yours.  But before this wonderful but stressful day arrives, a list of things have to happen.  
  • Open an Escrow Account. This account is held by a neutral third party to protect both buyer and seller from getting ripped off. Basically this third party holds all the money and documents related to the transaction until everything is settled.
  • Obtain Title Insurance.  By doing a title search and obtaining title insurance you will have peace of mind that no one else can claim the property as their own later on.  A title officer will perform a title search and make sure there are no third party claims to a property that can invalidate your ownership of it.  
  • Find an Attorney.  This step is optional to understanding your closing documents.  An experienced real estate attorney will understand the paperwork and know where to look for potential problems in the paperwork.
  • Negotiate Closing Costs.  The escrow company will charge fees for its services.  Some escrow companies take advantage of the consumers ignorance and try to charge fees that can boost their bottom line.  An example of these fees include administrative fees, application review fees, appraisal review fees, ancillary fees, email fees, processing and settlement fees.  They will also try to inflate legitimate closing fees.  So stand up for your money and speak up for what you are willing to pay. 
  • Home Inspection.  This step is not required but is wise to take.  If you find a serious problem with the home during the inspection, you will have the opportunity to back out of the deal or ask the seller to fix it or pay for you to have it fixed if your purchase includes a home-inspection contingency.
  • Pest Inspection.  This step involves a specialist to come in and make sure your home doesn't have any wood-destroying insects.  This step is separate from the home inspection.  If your home is found positive for these insects you may want to back out or make sure that the problem is completely resolved for even a small problem can become an expensive problem to fix.  Regardless, the mortgage company will require that the problem is fixed before you can close on the house.
  • Renegotiate the Offer.  You may want to renegotiate the purchase price of the home to reflect the cost of any repairs you will need to make.  Or you may want to make the seller pay for the repairs and keep the purchase price the same.
  • Lock Your Interest Rate.  If you have a good lender, they will watch the interest rates and tell you when they are at a low point so you can lock in your interest rate.  Be satisfied with a reasonable rate and don't drive yourself crazy trying to get the lowest rate.  
  • Remove Contingencies.  These contingencies must be removed in writing by certain dates, which will be stated in your purchase agreements, for you to close the deal.  Your offer should be contingent upon several things:
  • Obtaining an interest rate at a percent you can afford. 
  • No major problems with the home at the home inspection.
  • Seller fully disclosing any known problems with the home.
  • No major infestations or damage to the home during the pest inspection.
  • Seller completing any agreed-upon repairs.
  • Funding Escrow.  To complete your purchase, you'll have to deposit additional funds into escrow. This money goes to the seller if you back out of the deal or if the seller backs out, it will go back to you.  Your original money is generally applied toward your down payment, and you'll need to submit the rest of your down payment and pay closing costs.  
  • Final Walkthrough.  One of the last steps before signing your closing papers is the final walkthrough to make sure sure that no damage has occurred and nothing has been removed that is included in the purchase. 
  • Sign the papers.  There will be like a hundred papers to read through.  Even though everyone will be waiting for you to sign them, read each one carefully for what you sign will have a major impact on your finances.  
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