Psst… Tell Your Kids That Buying A Home Is Easier Than They Think! Series Part I

We encourage our kids to plan for their future, but we seldom include buying a first home sooner than average as a path to building that future. Let them know buying a home is easier than they think.

Most of the people who read this column are not first time homebuyers. The fact of the matter is many of you that are first time homebuyers and reading this article are relatively mature individuals who are fighting off your commitment fears of being tied to a mortgage. But there is a huge segment of the population that could buy their first home, yet it doesn’t occur to them to do so. Who are these people? Well, it’s your 24 year old son or daughter, new to the work force, and is throwing away money on rent somewhere. Encouraging your children to buy a home when they are young is some of the soundest financial advice you can give them. Equity in a home is an easy way to grow one’s portfolio with very little investment. But the fact of the matter is it doesn’t occur to most of us to encourage the younger generation to buy early in their lives. And trust me, it rarely occurs to our kids themselves to consider buying a home in the early twenties. They are more concerned with buying a new Halo 3 for their Xbox.

Why do so many people miss the boat on this opportunity? It could be they plan to be in the area for only a short time because they will job hop to advance their career, thus viewing a mortgage as “too permanent.” I counter to simply sell the house when you move. Or maybe they expect their income to double or triple over the next three years. I say buy a home now, then upgrade to a new home; sell or rent the old house. Investing in real estate is a proven, safe and solid return on investment. And with the right combination of credit history (or a history of paying utilities, cable and your cell phone on time) and no money down, you or someone you care about can start investing in the future.

When Junior starts his new job at the company and 401(K) is available, he’s been informed by his folks, boss or peers to enroll and contribute at least a little something to it with every paycheck. Yet, he is rarely counseled quit renting that apartment for $ 750 a month and buy a $ 75,000 house. Where will he come up with the money to do it? There are multiple options for first time buyers that allow for 100% financing. Get the seller to kick in closing costs (up to 6% of sales price with some products), and one can close on a loan and bring no funds to the table. If your home value appreciates 4% in the next year, that’s a nice return on a no cash investment.

For some time, I’ve considered writing this series for first time buyers to let them know buying a home is easier than they think. But, the more I thought about it, the more I realized the advice I would offer would most likely not reach my target audience. So parents, it is up to you to supply your kids with this last little bit of advice and help to set them free to further establish their independence in this world. Clip this article out and tape it to their iPOD or the steering wheel of their car – someplace it will get noticed.

I think for most of us who have been through the experience, our first home buy was a very daunting experience. There are so many choices and unknowns – it can be overwhelming. In this series, I will try to break it down the process into small logical steps and make it easier understand the steps involved in financing your first home. Where do you start? That is perhaps the easiest part. Our newly established worker should first make a list of all his or her debt obligations such as student loans (unless deferred), car payments, credit card debt, etc. Hopefully at this age, this will be a small list. Then add what you think amount you could afford for a mortgage. Take that amount and divide it by your gross monthly income. If you come in at 43% or less, you’re in business. If you have something in your savings or checking – great. If not, don’t let it deter you. You have options.

Contact a mortgage specialist to drill out the details and find a good realtor who knows your market for housing you can afford. What next? Get ready to tell your landlord “Adios!.”

Email your home loan financing questions to Kristin Abouelata, Home Loan Specialist, at or call (865) 567-0113. Kristin will try to answer all questions on her website Home Loans Plain Talk.

Home Improvement – Bathrooms (Part I)

When most people think of home improvement bathrooms, what comes to mind is usually basic information that’s not particularly interesting or beneficial. But there’s a lot more to home improvement bathrooms than just the basics.

Down through the years the bathroom has played a large role in homes, yet the facility is one of the most detested areas of the home at times. The bathroom gives off the impression that it is something needed, rather than something we could appreciate or find enjoyment within its realm.

Bathrooms compose an excessive amount of plumbing, overwhelming fixtures at times, and an area that adheres to little room for nothing more than bathing or releasing inner nature.

There are various types of bathrooms. Family, master, individual, compartmentalized, half, guest, and other types of bathrooms need considered when repairing or improving the homes area. Special-use, three-quarter, full baths, and disabled bathrooms are types of bathrooms that may need additional consideration when considering home improvement.

Before starting to work on your bathroom, it is important that you clean the area in which you will work. Removing all dust particles including the tools you will use for repair or improvement.

After you dust the area, take a browse about the area to see what you are considering. Try to plan ahead of the game; by setting up a systematic idea of what you intend to do.

If you want to do things completely right, you may want to file your notions on a piece of paper. After you file you will need to analyze the bathroom to again see what you intend to do to the area for improvement. You could also draw up a list of likable areas and dislikeable areas.

You will need to consider during analyze of the bathroom, considering storage area, space, layout, shower/bathtub, faucets, fixtures, counters, flooring, ventilation, heat, walls, electrical layouts and so forth.

If your bathroom is small, consider what you need to do to expand the area for comfort ability. Sometimes if your home has a larger area in the next room and the space is not needed you could take out a wall linking to the bathroom and other room to expand your bathroom.

I trust that what you’ve read so far has been informative. The following section should go a long way toward clearing up any uncertainty that may remain.

By the way, before you get started remodeling your bathroom you may want to check with your local City Hall. Many states have laws for building, which includes codes and building permits. The permits are often affordable, thus having a permit if required can save you from fines and costs.

If you are improving, your bathroom beware that fixtures are the most costly items to repair within the cavity of the room. Regardless if you need to repair or remodel your bathroom, regardless of the expense think equity and you will be ok.

When remodeling your bathroom if you are searching for appeal you may want to consider replacing cabinets to reach an effect. If you are merely searching for style verses complete make over a few designs may increase the equity of your home value at the same time bring to light that bathrooms do bring forth pleasure.

Common bathrooms give out a somewhat hidden expression at the same time giving a chilling feel. The bathrooms may have cabinets with dark or medium wood coloring, thus the only appeal in these types of bathrooms is the accessories bought extra to bring out the design.

Thus, when considering designing of bathrooms verses home improvement consider the European style, modern style, Mediterranean style, “turn-of-the Century, or else the Oriental style bathroom. Other styles of bathrooms including the rain forest style bring out a warming atmosphere as it provides a refreshing outdoors appeal.

Considering the rain forest style, we can analyze the situation and see that this effect may come cheaper than other styles of bathrooms.

The rain forest style could come to life if the homeowner adds plants, flowers, and other types of accessories to the bathroom coupled with forest-affect wallpaper. Tile is cheap, thus the floors could be finished for around forty of fifty dollars, and bring to life a storming effect.

Home improvement increases the value of your homes equity. Thus, when considering improving your home it is important to assess the situation carefully, take notes, create files, and setup steps for improvement. Finally, if you have a small toiletry area, you may want to consider lighter appeals verses darker appeal to make the room more comfortable for use.

The day will come when you can use something you read about here to have a beneficial impact. Then you’ll be glad you took the time to learn more about home improvement bathrooms.

Hans Hasselfors is the founder of Find varied home improvement bathroom articles in our article directory.

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