Archive for April, 2010

Spring Cleaning – Avoid the Pests of Spring

By admin On April 25, 2010 No Comments

As spring approaches, it would be high time to find out if your house is prepared for it. See, along with blooming flowers and warm weather, the re-awakening of pests and insects comes as well. Do not allow such pests like lady bugs, carpenter ants and various other insects to rule over your house.

Thousands of pests emerge in the springtime looking for food and houses are the perfect place for them to find this required nourishment. Carpenter ants are most commonly found around the kitchen feeding on household staples like sugar, pet food, meat and honey. Therefore, keeping counters and cupboards clean and making sure crumbs are all picked up would aid in deterring these invading springtime pests.

Spring cleaning would also be the ideal way to get rid of insects that may have overwintered inside your house. Make sure you vacuum up any box elder bugs, lady bugs and dead insects that might be lying around. Wipe cobwebs away, too, so spiders will not re-nest and take the time out to check around window and door frames for openings that might attract even newer populations of insects. After all, a proactive approach in keeping the pests out of the house would be a more affordable and better method than trying to eliminate them after they infest your home.

A lot of insects tend to get attracted to locations with excessive moisture. Therefore, fixing any leaking plumbing or pipes and checking appliances for activity of pests would be the perfect way to avoid infestations. The more damaging pests such as termites and carpenter ants get attracted to wet wood, so they usually infest bathrooms and kitchens where such conditions can be found.

Inspecting the interior of your house would be another method of protecting it during the springtime. Take time off to walk around the outside of your house to check for cracks where some weakness might let pests come in. Also, watch out for nests in the eaves, under the deck or anywhere else outside. Get rid of any rotten or dead wood, as well, and trim the shrubs and trees to prevent insects from breeding.

Never let pests in the springtime catch you unaware. Make sure you protect your overall property from such nuisances before a real problem actually occurs. With these basic proactive suggestions, you could be a great help at deterring these insects and help everybody else in your home enjoy the new season.


Tips To Keep in Mind While Taking a Home Loan

By admin On April 6, 2010 No Comments

Everyone yearns to have his own home no matter how hard it is to get one. Different people buy it for different purposes; some buy it for luxury whereas some others consider it as an investment in order to earn returns from it. With real estate agents present in every nooks and corners of the city, finding your dream house has become quite easy. Our daily expenses are so high that only a few people can afford to buy a home with ready cash. Hence, most people make use of a home loan to purchase new home.

If you are not well-versed about home loans, you may end up paying thrice or four times the actual price of your house to your mortgage lender. Here are some tips that you need to keep in mind while taking a home loan:

1. Mortgage lenders provide mortgage to home buyers for duration of 15 to 30 years. The more time the home buyer gets to pay his loans, the better he will feel to manage funds to repay the loans. Every month while making the monthly payment, the home buyer also has to pay a high interest rate. Keep in mind the more time you take to repay the loan, the much you will be spending on your loan. For example, a home buyer with a mortgage period of 20 years will be eventually spending more at the end of the mortgage period compared to a home buyer who has a short mortgage period like 10 years.

2. If you wish to prepay your home loan, you should go for a loan with fixed loan of interest as it allows you to plan and mange your finances in advance for certain duration of time. It helps in lowering the interest rate.

3. If you wish to transfer your loan from one lender to the other that is providing a comparatively lower interest rate, you should go through the deal before you go ahead with it. Your existing mortgage lender will ask you to pay pre-payment charges while closing a loan. The mortgage lender to which you are planning to transfer your loan may also ask you to pay processing fees or mortgaging fees depending upon the total loan amount. The amount of money that you provide to the preceding mortgage lender as pre-payment closure fees is not combined with principal of the home loan that you acquire from the other lender. This way you will end up paying more amount of money unnecessarily in the form of interest.

4. Do not shy away from looking into the details of your mortgage calculations even if you are weak in math.
Try to stay abreast with the market trends and read articles and magazines that provide information on home loans. Alternatively, you can seek assistance from a mortgage advisor to help you make the right decision in order to save money on your home loan.