4 Simple Tips When Buying a Home

One of the most important investments that you need in life is a home. Once you have enough money to buy your own property, then you must be careful in purchasing one. There are different kinds of properties, depending on your budget and preferences. Hence, you have to choose one that suits you and your entire family.

If you live in Australia and you are planning to purchase a new home, you may check out the available house and land packages in Epping North. Definitely, these packages are made to fit your budget as well as lifestyle.

In case you are a first-time home buyer, here are some helpful tips that will aid you in choosing the perfect home for you:

Talk to the experts
It is best that you seek advice from the real estate experts prior to buying a new home. A mortgage broker will be able to help you out in explaining things properly and finding the ideal home loan that suits your situation. In addition, you have to work well with the agent, so as to carefully plan your strategy as well as meet all of your needs and goals.

Plan your budget
The most vital factor in buying anything is money. Thus, make sure that you have a budget when planning to purchase a new home for the first time. Your budget determines what type of property you can afford to buy. It is a good idea to stick to your budget when buying a property. Don’t worry because every budget has a corresponding house that sure to give you a property you can call your own.

Know your limits
Always keep in mind not to purchase whatever you cannot afford. Since it is your first time to buy a property, it is ideal to know your limitations beforehand. You can convince yourself that you can buy this certain property for now but you are to struggle for some years. But it is better if you already have the means and there is no need for you to wait for a big promotion at work or anything that might not actually happen. As a result, if you depend on these sorts, you are just making things harder for yourself.

Don’t believe in hype
Whether it’s positive or otherwise, not all the hype you hear is true. It is still important that you do your own research about your target community. You should not listen to what other people are saying, for they might not actually telling you the truth. In order to avoid these things, simply be a cynical buyer. There is nothing wrong about being cynical, especially these days. You just have to make sure that you investigate about the place thoroughly and find out something important about it.

Indeed, buying a new home requires a lot of effort, time, and money. Nonetheless, everything will all be worth it once you see the fruit of your labor come to reality. Just follow the tips mentioned above and you won’t be having a hard time deciding on buying your first ever family home.

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Beware of Payday/Title Loans!

I don’t usually post about financial things on this blog because I am no expert on the matter. However, in this case, I feel like I can keep others from making the same mistake as my husband and I have.

Let me start off by saying never, ever take out a title loan or a payday loan. I know it’s tempting especially when you need money, like yesterday.  These companies are predatory lenders. They prey on people who are financially strapped.  Over the years my husband and I have used several of these at one point or another.  We’ve always paid them off.  Of course the interest rates are outrageous.  You pay double what you borrowed.

We have taken out payday/title loans because things have come up and we needed the money at the time for bills. I should add that my husband has a job where he gets paid hourly.  Sometimes he has short weeks and doesn’t make as much. His checks can vary by at least $200.  So it’s hard for us to budget. I’m not saying impossible, but difficult.

This is NOT a post where I want anyone to feel sorry for me.  I just want to warn other people so they will steer clear from companies like this.

Back to the original story.  My husband was supposed to go in on the 6th and pay it off, but it completely slipped his mind. We’ve had to deal with some things going on with my stepdaughter so we are a bit stressed.  The manager of this particular title loan business called my husband this morning and they verbally agreed that he would come in on Thursday at 9:30 and pay the car off.  Around 30 min later, someone drives off with the car.  No knock at the door or nothing. My husband had to go find the car so he could get his work tools and badge out.  He is then told he not only has to pay the car off but also the repo fee in order to get the car back. They told him he has until Thursday or they will sell the car.  With the way they are doing business, I don’t trust that,but we won’t have the money until Thursday.

I did some legal research and found that in the state of Mississippi, a verbal contract is legally binding. However, when he told the manager this, the manager said it wouldn’t hold up in court.  Oh how I wish I had an attorney friend who could call and tell him he was wrong.  I am sure these places know the laws though and they probably skate just about what’s legal to get away with things like this.

I realize some of you are thinking “Man, they are so stupid.” or “I’d never do that.”  That’s fine.  This post is not for you. It’s for those who are thinking about using a payday/title loan service.  These businesses know that once you get in that cycle, it is very difficult to every pay it off.  That’s how those businesses thrive. I wish I had advice for those of you who are struggling financially and considering borrowing from these places.  I would say borrow from a reputable source such as a bank. But when you have bad credit, that’s not an option. I would say the best option, if you need money to pay a bill, ask a family member and make sure you pay them back.  I hate borrowing from family, but it’s better than getting taken to the cleaners by shady lenders.

Again, this post is not an attempt to get people to pity me.  But if I can at least help one person with this post, then that is good enough for me. That’s what I want.  In my opinion, these places should be shut down. Their interest rates are ridiculous and their tactics are less than honest.  I don’t see how anyone with a conscience could own a business that takes advantage of people like that.  I guess the love of money is greater than the love of people.  stylewars

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Summer Bridge Activities Learning Set Giveaway Ends 5/25

 

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Giveaway Hosted by Parenting Healthy
This is the time of year to get your summer learning plan together. Ughh…summer learning! Don’t they deserve a break? That was always my thought before my son was school age. They do get a break because keeping that summer bridge learning does not involve dropping them off at 9am to a school for 6.5 hours 5 days a week. I have my son do 1 hour of learning activities in the mornings-after some cartoons but before the appropriate time to knock on neighbor friends doors to play for the day. In the evening we do a fun learning page in workbooks or I have him write about his day in 3-5 sentences and we do that together as part of our bedtime routine. That time means the world to keeping his brain working at his grade level and keeps his retention strong.
The Carson-Dellosa learning activities for summer have everything you need to put a regimen together in you home whether you have a preschooler or one heading to High School. If your child is older, Carson-Dellosa has learning aids for the High Schoolers as well. It’s all there and you can search for learning books by age, need/subject or themes.

 

Summer Bridge Learning Selections
  • Summer Bridge Activities: Pre-K to Grade 8
  • Summer Bridge Explorations: Pre-K to Grade 4
  • Summer Quest: Pre-K to Grade 8
  • Summer Bridge Workbooks: Pre-K to Grade 6

This post is all about Summer Bridge Activities for that gap between grade changes. My son is heading into third grade so I have grade 2/3 activities books for him. It has some refreshers from second grade learning and prepares him for 3rd grade skills. They also include a summer reading list with suggested titles for books at this grade level. Reading is a great daily activity and I highly recommend at the very least you have them read 20+ minutes a day so they do not fall behind as statistics show they will-up to 2 months behind. However, adding the ongoing practice of comprehension activities and math and science, they can feel as confident as ever when that new year begins and learning continues.

Right now you can save up to 25% on these learning tools so visit the links now!

1 lucky reader will win one Summer Bridge Activity learning set from Carson Dellosa. It includes the grade level of your choice in the following 3 books: Summer Bridge Activities, Summer Bride Explorations and Summer Quest Workbook. If the winner has children in higher grades, we can accommodate.
Enter below. Ends on May and open to US. Good luck!
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Awesome Math App for Kids in Preschool and Kindergarten!

note: I received compensation in exchange for writing this review.  

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Kids Academy Releases #1 Math Games: Singapore Math App for Android and Updates iOS Version of Math Games App for Kids in Preschool & Kindergarten!

Kids Academy is a well-known mobile app developer working in the sphere of children’s early education. The team combines all the expertise, creativity and truly remarkable skills to develop a wide range of best educational games and fun worksheets for kids.
The great news is that the team just released the long-awaited update #1 Math Games: Singapore Maths App for Kids in Preschool & Kindergarten – iOS version of the app.
itunes kidsThis best math app for kids in preschool and kindergarten offers a great variety of fun educational games for kids. Children will get a fantastic chance to:

• train their brains
• enhance their attention and concentration
• improve their cognitive skills
• learn to follow instructions

While playing the fun math games, little mathematicians will grasp their numbers, addition and subtraction facts in a fun and enjoyable way. Kids will trace numbers, master their geometric shapes, practice skip counting and acquire other useful skills too. The cool math games by Kids Academy are based on the famous Singapore Math method. They help children visualize math problems and solve them in a simple way.
You can find a number of best educational apps for children by Kids Academy featured in the Family section of the Android store in the USA, Australia and Canada. This featuring is a reliable indicator of high quality and value of the fun educational games created by this team.
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Get all of the Kids Academy favorites on Android!

NEWLY RELEASED

We have more terrific news from Kids Academy. Available mid-May 2016 is the long-awaited Android version of their cool #1 Math Games: Singapore Maths App.

Great educational App! What I like most about this app is the fact that it’s easy enough for a young child to figure out. The cute graphics in the game are also a plus. It’s a wonderful learning tool for little ones!

This app has it all! It boasts hundreds of new cool math games, videos and interactive surprises. Your kid is sure to love the new innovative system of motivation and rewards, lively music, colorful graphics and amusing animation. Parents will be happy too – while kids play the new fun math games, they will not need any assistance from grown-up.

FREE PRINTABLE WORKSHEETS

But that’s not all. You can also try out the impressive collection of free printable worksheets and educational games on Kids Academy website. View a great variety of pre-school and kindergarten worksheets by topic and choose the perfect printables for your little learners. Download and print out the fun worksheets and give your kid a wonderful head start on math, writing, reading and other useful skills.

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Click here to check out the Free cute worksheets for learning kids.

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