Monthly Archives: October 2018

Piggy bank, paper house, and stacked coins

Buying Home: Preparing for All the Associated Costs

Piggy bank, paper house, and stacked coinsWhen it comes to paying for a new home, many buyers turn to mortgages to finance a portion of the purchase. If you don’t have enough cash to pay the house in full, a home loan will allow you to borrow a certain amount of money (plus interest) that will be paid per month over a certain period of time, based on your chosen mortgage term.

Even with a mortgage, you still need to make a down payment to cover a portion of the sale price. Many think that making a 20% down payment is necessary, but as this benchmark has become increasingly unattainable, you can now pay between 3% and 5%. Making a big down payment, however, is advisable to score low rates, avoid private mortgage insurance, and have lower monthly payments.

Apart from down payment, you also need to prepare for other costs associated with buying a house. Home loan providers in Ogden share some the things you need to save for when getting a mortgage:

Closing costs

As its name suggests, closing costs are the fees paid at closing of the transaction. These costs can vary on the type of house you buy, the location of the property, and your chosen mortgage. Some of the fees included in the closing are appraisal fee, loan origination fee, application fee, and homeowner’s insurance. The amount may be between 2% and 5% of the purchase price. You can use this calculator to calculate your closing costs.

First loan payments

You may need to pay a full month or more as your first mortgage payment. As you get closer to the closing date, the lender or lending company will provide you with an estimate of this cost, so you can start saving some money. Your reoccurring monthly payments, meanwhile, are likely to be due on the first of each month.

Home inspection

Before buying a home, it is best to have a professional home inspector to check the condition of the property. This will help you avoid the costly mistake of purchasing something that is in need of major repairs. According to Home Advisor, the average home inspection cost is around $315, but this may also depend on where you live and the size of your home. You may also require specialty inspections like mold or radon testing.

It is best to learn about the other costs you need to pay for besides down payment. You should also avoid depleting your savings just to pay a large down payment. Note that you still need to have enough money to cover your first loan payments, as well as associated and unexpected costs. It is also best to work with a reliable lender to learn more about your mortgage options.

Features to Look for When Choosing a Construction Supply Company

Construction SupplyTools and supplies can make or break your end result, so most construction companies make it a point to work with only the best materials. Choosing the right supplier may pose a challenge. However, that does not mean it isn’t doable. To help you out, here are some pointers to keep in mind during your search:

Variety

Having a single supplier that can provide you with various top-of-the-line products instead of having to negotiate with different contractors for every single piece is very convenient. Not only do you get a standard price set for all of them, but you also get the same level of quality in all of their goods, from stainless steel screws to concrete retarders from Sika. You even get to save more money for deliveries and bulk discount since you will be ordering all of them from the same place.

Track Record

Naturally, you’d want to work with a company that has been in the industry for years and has proven their brand as one of the best. Check out a potential supplier’s history and take note if they have achieved any accolades during their years of operation. You can even go the extra mile and consult their previous clients for a third-party opinion.

Reasonable Prices

Getting items for a fraction of the usual price may sound like a good deal, but this should already rouse your suspicions. Yes, you want to save on your purchases, but it’s still best that the products that you’ll be buying are in the best condition possible. You cannot be assured of this if the price is too low, hinting at cheaper materials used to make those products. As a rule of thumb, aim to acquire high-quality items that are reasonably priced.

As a business owner, you pride yourself on providing only the best for your clients. Be smart about it and avoid appointing contractors just because you will spend less or they are the first company you see. The effort you put in the search will be profitable once you exceed a client’s expectations and their positive word-of-mouth about your services goes around.

Waterproof boat covers

Why Choose Fully Waterproof Boat Covers

Waterproof boat coversYou agree that most of the boats you have did not come with a boat cover, and for the few that did, the covers were not of best quality. Whichever the case, you’ll require research to find a reputable manufacturer that can customize a cover that will fit your boat perfectly. It’s equally important to confirm that the boat cover is also durable, as well as less labor-intensive to use and maintain.

While most covers have all these qualities, especially for bass boats, being fully waterproof is a critical characteristic that you should also consider. Here’s why:

They Have an Extended Useful Life

For boat covers, being fully waterproof means that they have an improved protection from wear and tear. The waterproof elements will also discourage mold from growing. Therefore, the covers can offer a better, extended service life.

They’re Better Than the Water-resistant and Repellent Types

Fully waterproof boat covers are not the typical types that only have a waterproofing coating to give water-resistant or water-repellent properties. It’s their material that makes them stand out among the rest. Composite synthetic materials with polyester and vinyl-based fibers are among the best choice.

Even while some of the covers that came with the boat are of substantial quality, they do not have such an extended service life as the ones that you would get from a boat cover shop. Finding the right type, color, and size of cover for your bass boat will, however, depend on from which manufacturer you will source the cover.

Evaluating the quality of products and services that different boat cover manufacturers offer is important. Checking client reviews online will help a lot in finding unbiased information about these manufacturers, but still, you are the one to make the final decision.

Couple buying a property

3 Ways to Invest in Real Estate

Couple buying a propertyReal estate is one of the most popular ways to invest your hard-earned money. There are a lot of success stories in real estate, making it top of mind when people first think of getting into investing. If you’re interested in getting into this business, here are three ways to start your real estate investment journey.

Buying straight rental properties

Owning rentals is very attractive for many reasons. One, it gives you an additional income stream if you can find a cash-flowing property. Another reason is that options like section 8 real estate investment or investing minimize the risk of having a property just sit in the market.

What sets rentals apart from other ways of real estate investing is that it’s often – at least at first – a very involved way of investing, not very different from running a full-blown business. From sourcing properties to finding tenants and managing rentals, it’s a big undertaking. However, the challenges do come with rewards!

Buying a home in an up and coming market

The quintessential real estate success story is that of a family that bought a property just for family use and in a few decades found themselves in the middle of a rapidly growing area, increasing the value of their property multiple times.

This is the jackpot that many real estate investors want to find themselves in. Of course, the challenge is knowing what areas will grow in the future. If you have a keen sense for emerging communities, putting down a chunk of your resources into a new home to live in can pay off in the future.

The biggest difference is that this is largely a strategic play because the rewards come in the end, with no prospect of cash flowing in the immediate.

Living in an owned rental property

A third option that many fail to consider is buying a property with the plan of living in it and renting portions of it. It could be a duplex or a multi-family home, or even a single-family home where you rent other rooms out. This combines the rewards of a rental and homeownership.

The upside is that you get cash from the rentals, and you save on taxes when you eventually sell but you also compromise your privacy, and you get more responsibilities being a landlord as well.

Here are just three ways to enter the world of real estate investing. Ask yourself what fits your preferences the best and go for it!

Happy couple visiting a house for sale

3 Wise Tips to Live by When Looking for a House to Buy

Happy couple visiting a house for saleBuying your own house, especially if this is the first house or property that you are about to acquire, can be very exciting and fulfilling. This is a huge milestone for you, which is why it’s important to take the right steps.

Learn some of the most important things you should remember when looking for a real estate property in Tri-Cities, WA.

1. Prepare for the Down Payment

The most practical amount to put in when it comes to the down payment is about 20% of the total price of the house. Sure, some lenders may allow you to put down even as little as 3% of the total cost, but choosing this option will definitely cost you a hefty interest in the future.

Ask your real estate agent about this and see what their advice would be. They most probably will tell you to increase the down payment and pay as much as you can, so you won’t need to pay a huge amount every month.

2. Check Your Credit Score

You can get a copy of your credit report once a year for free, so be sure to use this to your advantage. You definitely want a high credit score and a good credit report to get approved by your lender.

If you find that you have a low credit score and that your credit report is not good at all, then go ahead and work on it before trying to apply for a home loan.

3. Work on a Pre-approval Letter

Getting pre-qualified for a mortgage will allow you to get an estimate of how much your lender is willing to lend you for the house. They will most likely base the amount on your debts and income, so be sure to pay off most or all of your debts to get a good amount.

This will also work to your advantage, as sellers will see how serious you are when it comes to buying a house. Do your research and follow these tips to make sure you get the most out of buying your own house.

Couple about to have a medical spa treatment

3 Med Spa Treatments You’ll Surely Love

Couple about to have a medical spa treatmentIf you’re planning to give yourself a makeover and want something that has lasting and natural looking results, head over to any medical spa in Utah to get these three treatments that you’ll definitely love.

Cool Sculpting

Improve your fitness plan with Cool Sculpting, a medical spa treatment that removes stubborn fat on targeted areas by process of natural elimination over the course of the treatment. This procedure is ideal for those who want to get natural-looking results, and one that gives you a noticeably fit and toned body over the course of the treatment. This can be done on the arms, the stomach area, thighs, and on other parts of the body that you want to look trimmer and firmer.

Kybella

This procedure is excellent for getting the chin area back in shape. It’s an alternative to invasive treatments like surgery or liposuction. It’s a synthetic version of a salt component that’s found in human bile, which aids in fat digestion.

When this is injected into a targeted area, it destroys fat and dissolves it. The dissolved fat is then removed from your body through its natural process of eliminating waste. As the effects are seen gradually, it yields a more natural looking result compared to any other treatment.

Juvederm

This treatment is specially made for facial care. Juvederm uses a type of filler with a hyaluronic acid base, a natural component found in the skin. It’s a great way to give the face a natural contour and improve its shape by lifting the cheeks, lips, and other wrinkle-prone areas of the face.

It results in a younger looking and firmer skin that makes you look more youthful and radiant. The results are almost immediately noticeable and can last for a good year or two. It gives you a look that is easy to maintain and natural looking, too.

Want to learn more about these exciting treatments? Get in touch with a med spa consultant to get your makeover plans started, and see the new you soon!

Air Compressors

A Guide to Buying an Air Compressor

Air CompressorsAir compressors are some of the most useful tools in the world. They can store pressurised air, which one can then convert into power. These systems can run other types of equipment.

Commercial air compressors come in different types. Knowing their differences is essential to buy the right one for your needs. When buying compressors, the options can include the following:

User

The design of the air compressors can range from basic to complex. One of the factors that determine that is the user. A user-grade compressor usually uses a single model; it compresses the air only once. It is ideal if the amount of compressed air necessary is low.

Manufacturing facilities need an industrial air compressor. It is a system designed to work nonstop and handle large volumes of compressed air. It can also be customised to meet the changing needs of users.

Displacement

This refers to how the machine converts the air into potential energy and then later into kinetic energy. There are two main types: positive and dynamic.

Compressors that use the positive-displacement method allow the air to pass through a chamber, which has a mechanism to lower the volume and compress the air. Once it achieves the ideal pressure, the valves then open to release the air into an outlet. Two of the most popular types of positive-displacement compressors are vane and rotary screw.

The dynamic-displacement compressor uses a centrifugal force with the help of an impeller. It rotates, and the movement helps create the energy necessary to compress the air.

Operation Principles

Lastly, air compressors differ because of their operating principles. A reciprocating compressor uses a piston-type mechanism. It features a suction valve that draws the air and a delivery valve to release the pressurised air. An axial compressor, on the other hand, has a rotating airfoil. The air then passes through in a parallel movement throughout the system.

Buying an air compressor can be tricky. Hopefully, the information above will be a huge help. Otherwise, don’t forget to get help from legitimate distributors or suppliers.

A guide on greenhouse ventilation

How to Heat, Cool, and Ventilate Your Greenhouse Efficiently

A guide on greenhouse ventilationFor a greenhouse to be effective, it must offer a controlled environment for superior plant production. This means that your greenhouse should have adequate heat, cold, and sunlight.

A great heating system is among the most crucial steps to successful plant growing. While proper ventilation and cooling would help regulate the temperature inside your greenhouse in significantly hot weather and provide sufficient carbon dioxide, which are all vital to your plants’ photosynthesis.

Whether you have a prefab greenhouse or a custom one, here are some expert tips for effective ventilation, heating, and cooling.

How to Heat Your Greenhouse

Most plants require a standard temperature of 55meaning that this is the minimum temp your greenhouse should provide. A heating system that offers consistent temperature control would suffice, provided that it won’t release hazardous material to your plants.

Common energy sources include electricity, wood, fuel oil, LP gas, natural gas, and solar. A standard heater is crucial in colder climes. Gas might cost you more to hook up but is more economical in the long run. Solar panels might provide sufficient energy in hot climes, but won’t be capable of providing enough electricity required for heating a greenhouse in especially cold places.

How to Cool and Ventilate Your Greenhouse

Ensuring that your greenhouse is cool and well ventilated is just as vital as making sure that it’s sufficiently heated because your plants would suffer if your greenhouse gets too hot. Most greenhouses use an evaporative cooling and ventilation system that include ceiling vents for letting out hot air when inside temperature rises as wells as fans, and sometimes cooling pads for increased efficiency.

You could regulate the fans using a thermostat to ensure accurate humidity and temperature. During warmer climes, your greenhouse should be capable of pulling air from inside for a complete exchange of air at least every minute. You could likewise opt for ridge and side vents, a coupe that you could open as required to reach the needed temperature.

The one thing you need to remember is that the primary goal of your greenhouse is to provide your plants with a controlled environment. To ensure that your greenhouse achieves this goal, keep the above suggestions for efficient heating, ventilation, and cooling in mind.

Staffing agent talking to an applicant

Job Seekers: Are Staffing Companies Worth Your Time?

Staffing agent talking to an applicantAccording to staffing expert PeopleReady, many job seekers tend to stay away from staffing companies because they believe that these agencies can’t help them find the job they’re looking for. Others think that agencies can provide only temporary and entry-level employment.

But nothing can be further from the truth. Staffing companies hire a wide variety of workers from entry-level employees to CEOs. There is also a wide range of opportunities such as warehouse job openings and supervisory positions.

Benefits of Using a Staffing Company

Since companies go to staffing agencies when they need positions filled, they offer a lot of opportunities for job seekers. For one thing, it’s free because the companies are their clients. You don’t have to pay them a dime to be considered for a position. Here are more benefits:

Agencies Search Jobs for You

When you sign up with a staffing agency, they ask you about your skills and experience. They do the hard work of looking for the job that fits. This relieves you of the hassle of job hunting. All you need to do is wait until they inform you of an opening. If you’re the proactive type, you can increase your chances of finding a job by searching their internal job sites.

There’s a Wide Variety of Opportunities

There is almost always an agency for any specific industry. You can do a specialized search, or you can find any job within the agency. You can also find all sorts of positions ranging from short-term to permanent ones.

They Offer Benefits

Some agencies offer benefits after you’ve spent some time with them. It can come in the form of health insurance, tuition fee reimbursement, or a retirement plan. There are times when all of the three are given.

With staffing agencies, you’re not proceeding blindly in the applications process because they provide you with feedback. You might need some revision to your resume, or you need advice on how to ace the interview. They have your back covered.

Water irrigation in a rice field

Ways to Improve Water Efficiency in Agriculture

Water irrigation in a rice fieldAccording to statistics, irrigation accounts for 65% of freshwater usage globally. However, freshwater is quickly becoming a scarce resource. With the current environmental challenges surrounding water usage, it would be beneficial to find more efficient methods for using freshwater.

One of the main conservation methods is harvesting rainwater and using it to irrigate the crops. For this to happen, you need to install gutters on your roof to catch all the rainwater, which should then be stored in large water tanks. Once you have this system in place, you can use the following methods to ensure water efficiency on your farm:

Irrigation method

Switching from full-on irrigation to drip irrigation is one of the ways to conserve water when farming. In this process, you will just use enough water to hydrate your plant’s roots without wastage, unlike other methods. You can likewise irrigate the plants in the evening when the rate of evaporation is lower. In addition, you should recycle water from your house and use it for irrigation purposes. While you can create some of these systems yourself, you will need a plumber to help you out with other options.

Hydroponics

This is the process of soil-free farming where you grow your crops over water. Not only will you use less water to grow the crops; they will also grow faster. A small capital and enough knowledge are needed for this process. The water is used repeatedly, resulting in water conservation. Additionally, you also farm fish alongside hydroponics, where fish droppings can be used as fertiliser whilst excess nutrients from plants will be used to feed the fish.

Composting and mulching

In this process, plant waste and other biodegradable wastes are used to shield the plant’s roots and prevent water evaporation. This process helps in fertilising your plants, getting rid of waste and reducing water usage.

With water resources becoming scarce, there is a need to invest in water conservation techniques to improve efficiency. Having a good system in place ensures better water usage and improves productivity in agriculture.