Dear Jack: The Old Abandoned House and Farm, Years Before It Became the Next Nice Neighborhood

8 years, 11 months.

Dear Jack,

Part of the glory of owning a 4×4 Jeep Wrangler is that we get to explore roads most people wouldn’t be able to in their cars. Sunday after church, we drove down the barely visible path to take a look at some land that is being advertised for sale.

I had been noticing that wooded hill for the nearly 5 years we’ve lived at our house. And finally, now I know what’s out on that land that will ultimately likely be developed to become several more cookie-cutter neighborhoods.

We discovered an old abandoned farm and farmhouse; less than a half mile from the main road.

Obviously, we didn’t step foot inside the buildings: They are all on the verge of collapsing after the next gentle breeze.

But using the zoom on my camera, I was able to take a look at a magazine from 1977, as well as receipt from 1982.

In other words, the most recent proof of life at that place was a year after I was born- and I’m only a year and a half away from turning 40.

One of the strangest discoveries was what appeared to be what was left of an outhouse. It was just a small hole leading to a 10 feet deep put filled will some rainwater.

When you’re a teenager, you’ll be able to tell your friends what you saw that day, years before it all became it all was plowed over and became the next nice neighborhood.

Love,

Daddy

 

7 Best Moving Tips You Must Know

Moving is not an easy task. A lot of hurdles and tiny little things come in when you are moving your things but a lot of Moving Professionals from different industries made this task so easy that everybody can now quickly and perfectly do it by just considering some tips in their mind which can help you to convert this stressful task into an easy job.

Make an Agenda:

Begin two months before you move, and utilize a week by week agenda to keep the procedure on track. Remaining on the calendar will assist you with avoiding a minute ago issues and cerebral pains. The steady work you’ve done marking off your errands already will help make moving day a breeze.

Create a Packing System:

Thinking of a packing system is an extraordinary association strategy for your effects, and can guarantee they end up in the correct room when you moved into your new home. One technique you can utilize is shading coding with markers, for example, blue for the kitchen, and so on.

At that point, on your moving day, draw a snappy sketch of the floor plan of your new home with each room marked and hang it someplace your moving organization can without much of a stretch see it.

Sell Away the Things You Don’t need:

If you have plenty of things in your home that is not upgrading your life, or you don’t feel will be vital in your new space, dont pack it just to toss it out or stuff it into capacity someplace later. There are numerous famous mess things that are deserving of abandoning, selling in a carport deal before your turn, or simply offering them to loved ones.

Purchase Necessary Things in Advance:

Maintain a strategic distance from potential difficulties, for example, coming up short on packing tape the morning of your move by buying every one of your provisions ahead of time. At a convenient time in your moving procedure, you should begin social affair supplies, including boxes, tape, bubble wrap, and so on.

You can likewise pack with materials you officially claim including bags and plastic compartments and utilizing pads, scarves, and towels to ensure delicate things. You can also employ proficient packers, which would drop much more weight from your shoulders!

Clear the Way for Movers:

You can help make your home move out prepared for Movers by unplugging machines and light installations on the off chance that they are accompanying you to your new home. Likewise, ensuring that the way from your home to the moving truck is clear.

Clean Your New Home Before You Shift:

While your new home is unfilled, it will be a lot simpler to clean, paint or make some other enhancements you have arranged. Before you move the majority of your furnishings and boxes inside, make sure to complete an exhaustive cleaning including vacuuming, tidying, and washing the floors before specific spaces are inaccessible.

Hire Professional Movers for Your Moving:

The best thing you can do is to hire professional movers if you yourself cannot do the job then movers will get the job done for you. They will charge you a little bit, but they will cleanly and carefully provide you moving services, and you will no more need to be in stress.

Tips for Selling Your First Home

Selling a home is a lot different than buying a home. When you’re buying, there are usually plenty of emotions involved, while selling is typically focused on maximizing the home’s profit potential. 

Get it Move-In Ready

IF at all possible, do everything you can to make your home in San Diego move-in ready before putting it on the market. Make all necessary repairs even the tiniest ones like a leaky faucet, ripped window screen, broken baseboard and loose cabinet knobs. Potential buyers are going to be looking at all the little details, inside and out. Eliminate clutter and store personal items like the kids’ art work and family photos to give them a sense of what it will be like to have their own things inside. It should be sparkling clean, so if you’re not up to the task, hire a professional as it will be worth the relatively small cost in the long run. Your home will have to be in tip-top, ready-to-show condition at all times.

Hire a Top Realtor

While you might be tempted to go FSBO, or for sale by owner, you could end up losing money in the end. The National Association of Realtors reports that over 90 percent of all FSBOs fail and sellers ultimately have to turn to a realtor anyway. If they are successful, on average, they sell for quite a bit less than a home that was sold with the assistance of a real estate agent.

Of course, hiring a top agent is key for selling your home quickly and for the best price. Try to get recommendations from friends, family, co-workers, neighbors and so on. If you’re tempted to work with the realtor who helped you buy your home, keep in mind that buyer’s agents don’t necessarily make the best seller’s agents. The best agent will have lots of experience selling homes in your area, with a proven track record and be able to offer things like a comprehensive marketing plan.

Pricing Your Home

A reputable real estate agent who sells homes frequently, ideally in your neighborhood, can help ensure that your home is priced accurately. They’ll put together what’s referred to as a comparative market analysis so that it’s not priced too low or too high. A CMA analyzes active, inactive, pending and sold listings to get the most accurate information. It will provide a lower and upper price limit – if you decide to price your home at the higher end of that range, it will likely take longer to sell, but if you aren’t in a hurry to move, that can be a good way to go, particularly during a sellers’ market. If you hope to sell as quickly as possible, you may want to choose a price at the lower end of the range as you’ll get a lot more potential buyers coming to take a look.

Be as Flexible as Possible with Showings

While there’s no doubt that having strangers come through your home on a regular basis to inspect it is rather intrusive, it’s a necessary part of the selling process. Be as flexible as you can when it comes to showings, ideally leaving the house so that agents can show your home without interference. 

7 Benefits of Opting for Home Moving Services 

Shifting of the luggage or moving it from one house to the other is not a very easy thing to do. This is why I am going to give you an overview over here, which will allow you to see, what are things you need to do to get the required output in quick time.  

For the protection and efficient transportation of the luggage, you need to employ the services of home shifting agencies like Premiere Van Lines Edmonton. Let me tell you the benefits you will have if you will get that.

  • PROTECTION

First and foremost, you need to understand that the protection of the furniture all the things of the house should be considered as a priority.

Many of the times the furniture is so expensive that you will have much loss if anything happens to those things.

This is why if you employ the services of home moving agencies then they will be able to give you the guarantee of the protection of furniture and stuff.

  • TIME SAVING

Time is of the essence, and if after hiring the home moving agency you can save time then this is very beneficial. These Agencies are going to give you the home moving services at a fast pace which will allow you to be relaxed and the work will be done in a quick time.

  • EFFICIENCY

Efficiency is significant in every task, and if you are going to have the home mover services, then they will be able to give you the output with efficiency and you will originally have the luggage or furniture.

  • MANPOWER

If you will try to move the luggage or furniture yourself while you are planning home moving services, then it is certain that you will not be able to get much manpower.  But the professional agency is not lacking the manpower so they will be able to accommodate all your needs.

  • COST EFFECTIVE

Contrary to the beliefs of the people, the home moving services are not going to be very heavy on your pocket.  You can get affordable packages in this regard. You need to hire a good company for your work.

  • MUCH OPTIONS

No matter where ever you are living across the world, you will be having many options regarding the packages the home moving Agencies are providing, and also you can find the agency according to your requirement and budget.

This will allow you to choose the agency which is near to your house or going to be very effective in your pocket.

  • STRESS-FREE

Moving the luggage around or home moving procedure is very stressful for the mind. If you are going to do it yourself, then you will be having many problems.  This is why you need to employ the home moving services to have a relaxed and stress-free moving

These were some of the benefits you will have if you will go for the home moving services from the good agency, instead of doing the work yourself.

Affording a New Home: How Much of Your Monthly Income Should Go Towards Your Mortgage? 28%? 25%? Less Than 20%?

If your family is currently considering buying a new home, one of the biggest questions should be this:

“What percentage of our household monthly take-home income should go towards our mortgage payment?”

If you depend on the unanimous results of a Google search, the answer is 28%.

If you put your faith in the results of a lender or a mortgage calculator found on the website of a new home development, you may be pleasantly surprised to see how big and nice of a home you can “afford” based on your household monthly income.

However, Dave Ramsey teaches no more than 25% of your household take-home income; in an effort to prevent becoming “house poor”; where you could afford to pay your monthly mortgage but could not live a comfortable lifestyle.

After meeting a 2nd time with our Associate Financial Consultant, Christina Tumbleson at Charles Schwab, where my wife and I recently starting investing our money, we learned that we are spending around 13% of our monthly take-home income on our monthly mortgage.

However, that number was based on the total of both of our full-time salary positions. That does not account for the monthly income I make from my 5 side hustles; for example, I made $531 last month from my two YouTube channels alone.

When we consider all my side hustle income, we can easily yet conservatively count on another 1%.

Therefore, at around 12%, we are fortunately spending a little less than half of the conservative 25% of take-home income Dave Ramsey suggests.

While it is undeniable that at age 37, my wife and I are at solid places in our careers and are being paid accordingly, we also have no other debts other than our home. I have been driving the same 2004 Honda Element for over 13 years now. Not to mention, I spend literally all my free time on my 5 side hustles; which provides passive streams income for our family.

But perhaps most important is the fact our 1900 square feet, 4 bedroom, 2 car garage home is still much more humble than it needs to be, according to popular American dream standards.

The main take-away is this: We choose to live way below our means.

If we wanted to sell our current home, we could pocket an easy $50,000 and then “upgrade” to a half a million dollar home. I could even trade in my old Honda Element for a new Toyota Tacoma.

We could “afford” to do that.

But if I am going to impress anyone by my finances, it’s not going to by how much I spend, but instead, how amazingly little.

At Age 37, My Wife and I Have Begun Investing Our Money, Thanks to Charles Schwab

At age 37, I am fully aware that I am now at the halfway point of the average American lifespan. I suppose this is literally the most appropriate time to have my midlife crisis.

Finally, I can trade in my old paid-off Honda Element for a brand-new Jeep Wrangler, take a spur of the moment trip to Spain, and start training for American Ninja Warrior…

But instead, I am focusing all that energy into planning for the 2nd half of my life- and my wife’s, as well as our children’s future.

My wife and I got married 10 and a half years ago, right in the middle of the 2008 Financial Crisis.

The first half of our marriage was spent building our careers from entry level positions and trying to manage the tens of thousands of dollars of debt we were in; largely due to college loans and our wedding.

The most recent half of our marriage began with us finally becoming debt-free in 2013, buying the last steal-of-a-deal new home in the Nashville area, and both finding ourselves far enough into our careers and side hustles that we started making a comfortable living.

But as Maslow’s Hierarchy of Needs pyramid explains, your goals and motivations evolve as you overcome your previous more basic needs and desires.

Now the focus is… how to invest our steady stream of income into our future.

I thought it was as simple as just paying off our house, then worrying about retirement afterwards.

However, my wife has been listening to the Moneywise program on Moody Radio on the way home from work each day. She explained to me that based on our interest rate on our home, it would actually be a better investment of our money to start building our retirement now, alongside paying off our mortgage early.

My wife then set us up an appointment with Charles Schwab financial investment company, which she had been hearing endorsed on Moneywise.

Today was the big day.

Our financial advisor helped us rollover my 401K from my previous employer to traditional IRA and select a portfolio for it. She also gave us direction on determining our financial goals so we could better plan our retirement and our kids’ college funds.

This was a major milestone for us. Here’s to the second half of life!

The Crazy (Not So Crazy?) Idea to Downsize to a One Story Home in an Effort to Pay Off Our Mortgage Quicker

When our family moved into our brand-new construction home back in January 2015, we had somewhat of an idea that we were potentially getting the last great deal in our bedroom community outside of Nashville.

But we didn’t realize that would mean the value of our home would increase more than $25,000 each year following.

In our neighborhood, houses are constantly for sale, and often are sold before a “sold” sign can even be posted in the yard.

My wife has been keeping up with the growing selling prices of our neighbors’ homes. It’s no exaggeration: We would easily make $80,000 if we sold our home today.

Contrast this to a decade ago when we bought a town home the year we got married, which happened to be right in middle of the The Great Recession. The value of that town home began dropping almost immediately. When we finally sold it in 2014, we barely made $1,000 off of it.

My wife and I are mutually obsessed with paying off our mortgage as soon as possible; as we have been debt free for 5 years now: No student loans, no car payments, no interest to be paid- other than our mortgage.

Last weekend was consumed by the quest to find out it would make more sense to actually downsize to a 3 bedroom, 2 bathroom, one story home in our area; compared to the 4 bedroom (plus a bonus room), 2 and a half bathroom, 2 story home we have now.

Even with the cost of other homes rising in our town, the $80,000 profit from selling our current home would greatly minimize our monthly payment; which we’re already paying several hundred dollars extra on each month.

We learned that ultimately, the amount of money we owe the bank would remain the same, but with the monthly payment being several hundred dollars lower, we could increase the amount we pay on the principle by that much more. And therefore, we could pay off our home years sooner.

However, it’s still a gamble…

Because at the rate our home is increasing in value each year, this means that two years from now by 2020, our home would be worth $100,000 more than what we bought it for in January 2015.

So while we are still open to the idea of downsizing in order to have a paid off mortgage that much sooner, it might be smarter to wait a few more years as our home continues to increase in value at the rate it is.

Therefore, it looks like our plan is to be working on simple upgrades for our home in the meanwhile, so that not only we will be able to enjoy our current home that much more while we are actually living it, but so that it will also be that much enticing for future buyers.

The problem is, I’m no Chip Gaines when it comes to my handyman skills. That will prove to be the biggest challenge for now…