Buying a house is always an overwhelming and stressful experience, but if it is your first time buying your own house, then it is a whole new ball game.
First things first, you need to relax and accept that you will make quite a few mistakes that will put you in a fix, but it is okay. With some research and practice, you will eventually become a pro.
In this article, you will learn about the 3 mistakes that you should avoid making at all cost as a first time home buyer.
- Not understanding the full cost
If you are a first time home buyer, there is a high chance that you are in the delusion that mortgage payment is the only cost that you need to save up for. What you fail to understand is that mortgage payment is just the primary cost that you need to pay. There are many other expenses that you need to consider, like the property tax, insurance, maintenance, water bills, and electricity bills. Note that you should never spend your entire budget on the house because you should save some money for emergencies and unexpected expenses that you will incur after you seal the deal. - Settling for the first lender that you stumble upon
Buying a house is very similar to shopping. You will regret a lot if you settle for the first thing you see, without looking around, haggling, and getting the best rates. This means that you should never settle for the first lender that your friend or the real estate recommends. The best thing to do is at least narrow down three lenders, compare the mortgage rate quotes, and then choose the best one. - House hunting before getting a loan
Most first time home buyers think that house hunting is the first obvious step to buying a new house. The truth is that once you decide that you want to buy a new house, your first step should be to sort the finances. The worst thing you could possibly do is find your dream house and then fail to get a loan approval. Pre-qualified loans are the best as they help you be clear on your budget, find a house that falls within that budget, and it speeds up the overall process of buying a house.
Just don’t rush into it and do your homework well before you sign the final house papers.
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Buying small kitchen appliances from Costco
Read moreCostco is a great place to buy appliances. They carry a good selection of electronics, home appliances, and kitchen gadgets. But is Costco the place to shop for small kitchen appliances when there are countless retail and web stores carrying the same products? Let us find out.
Cost factors
Costco is known for its discounts. The reason its customers pay for their annual membership is that shopping at Costco helps them save money. This is despite their membership payments, which can range from $55 to $110.- If you want to buy new kitchen appliances, it can be worth your while to check the deals at Costco. Generally, Costco stores do not carry all the brands of electronics and appliances. But whatever they carry comes with great discount deals.
- If you have a brand in mind for your small kitchen appliance, Costco is probably the best place to buy it. For instance, if you wish to purchase a Costco Ninja blender, you can get this premium product at the lowest price possible in the market. To verify, you can compare the prices of your preferred brands at online and brick-and-mortar stores. Once you are sure that Costco offers the best prices on small kitchen appliances, you can benefit from the store’s discount deals.
Other factors
Buying small kitchen appliances from Costco can mean benefiting from other offers and services also.- Costco offers extended warranty on many appliances. So, if you purchase a Costco Ninja blender and there is an offer of extended warranty on it, you get extra peace of mind when using your appliance.
- At Costco, appliance shopping can be rewarding not only in terms of discounts but also satisfaction. There are trained and skilled salespeople at Costco stores to guide customers to make the best decisions about appliance purchases. After all, you don’t keep buying new kitchen appliance for the same application every few months until it has broken or stopped functioning properly. A good quality kitchen appliance can cost a lot of money. Therefore, it helps to get proper assistance from sales personnel at these stores. So, if you are buying a Costco Ninja blender, you can compare all models of Ninja blenders and also with other brands to make your buying choice. This way, you can easily see what you are paying for. For instance, you can confirm if the small jars with the blender is worth the product price or not.
- You can also easily avail appliance repair services at Costco. Members can avail discounts on repair parts and services. This is a major benefit of buying from Costco as repairs for kitchen appliances can often cost a great deal and, at times, not even worth it.
So, whether you are buying a small item like a Costco Ninja blender or a big kitchen appliance like a refrigerator, it can be beneficial for you to shop from a Costco warehouse.
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Different Types of Furniture for a Living Room
Read moreThere is nothing more exciting than buying new living room furniture. However, before making any purchase, there are several things that need to be taken into consideration. To start with, you must have an idea of the kind of furniture you want. You need to keep in mind that whatever you buy must fit in the space you have in your living room. Whether you are looking for a particular style or happy to mix and match different varieties of new living room furniture as per availability is also an important aspect to consider. Your budget is another factor while buying living room furniture. Whether you want to buy expensive or inexpensive pieces is something you need to decide at the beginning itself. There are people who buy a combination of both costly and economical furniture.
Types of living room furniture
A sofa is the biggest piece of furniture that people put in their living room. If you have a big living room, you can opt for a sectional. However, if your drawing room is smaller in size, as they are in apartments or condominium then you only have room for a futon or loveseat.Sofa
Sofas can accommodate two to four people as per its size. Sofas can range between 30 inches and 110 inches wide in size. The standard size of the sofa is between 50 and 80 inches wide. This piece of furniture is found to be upholstered in materials like faux leather, leather, microfiber, and linen mostly. You can buy a sofa sleeper as well if you have guests for sleepovers or just need an extra sleeping option.Sectional
Sectionals are best for big living rooms. They can accommodate four, six or even more people. There are some that double as recliners as well on one or both ends. While most recliners are found to be of “L” shape, there are some with rounded backs that look like having a “C” shape. Sectionals come in different coverings like leather, linen, faux leather, microfiber or bonded leather. A sectional is at least 60 inches wide and can be more than 100 inches wide.Futon
A futon is a smaller version of the sleeper sofa. They can serve as a bed or loveseat depending on your requirements. A futon can have a single or double twin-size mattress that gets into the bottom and back of if when rearranged.Loveseat
If you have an extra big living room then you can have both sofa and loveseat in it. However, for the smaller living room, one can choose a loveseat as the primary piece of furniture. These use the same materials as that of sofas. A total of two average-size or three smaller people can sit on a loveseat. They are between 30 and 89 inches wide and are available in an array of colors.Accent chairs and recliners
In addition to a sofa or loveseat, you may have a chair or two in the room. These can either be accent chairs or recliners.i. Accent Chair: Accent chairs are available in an array of styles, including armless and armchairs. They can be mid-century, modern and contemporary as far as style goes. Chairs, including recliners, are categorized depending on their seating area. Living room chairs can be as small as 15 inches or less or as big as 36 inches or more.
ii. Recliners: These are deep, plush chairs with backs that recline and footrest that extend out. You can almost lay flat in a recliner. Some recliners come with massaging and heating options. There are others that have power lift technology, which help people who have difficulty in sitting down or getting up.
Accent Tables
Once you have set the furniture to sit on, you need to add a table or two as well. You can choose from coffee tables, end tables, and console tables as per the available space and your personal choice.Other living room furniture
Once you have set up the main pieces in the living room, you can add more new furniture if you have an empty space. There is furniture like TV stands, bookcases, and ottomans to choose from.