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.

Advertisements

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…

Dear Holly: You Learned How to Jump This Week… While Wearing Your Brother’s Pokemon Underwear!

2 years, 2 months.

Dear Holly,

You’ve been on a mission this week. I’m not sure what inspired it. Maybe you’ve been seeing your friends do it at school, or maybe you’ve just simply developed your muscles to the point you can.

But after just a few days of practice, you finally taught yourself how to jump!

You’ve been leaping across our living room like a frog. You’ve even been making the sound: “Ribb-ribb-ribb-ribb…”

I had been noticing for the past couple of weeks that it looked like you were practicing. You just couldn’t figure out how to actually get your feet off the ground; as if it were supposed to be an automatic thing that happened after you squatted.

Your newly learned jumping skill just happened to be the same week that your brother talked you into wearing same of his old Pokemon underwear over your clothes.

Of all the cute clothes you have in your closet, you have decided that your brother’s old underwear are better choice.

Actually though, it reminds me of a conversation I was having with Mommy this week, how I myself have cool newer t-shirts that I never wear enough; as if I’m saving them for some special occasion that never happens.

Instead, I tend to wear only my old faded clothes when we’re home.

The irony is that for the people I love the most, I wear the worst clothes; and for the rest of the world, I have to put on a fashion show that no one is paying attention to.

So maybe you have inspired me to just start wearing what I really want to wear, even when it’s just our family at our house.

As for now, I have a feeling that it will just be the new norm to be seeing you jumping around the house in boys’ Pokemon underwear.

 

Love,

Daddy

Dear Jack: The Dr. Suess Playhouse You Built with Your Cousin

6 years, 8 months.

Dear Jack,

It’s funny to see what happens when you let two almost 1st grader cousins entertain themselves at Nonna and Papa’s house. All it took was a few stuffed animals, a Cozy Coupe, a play tunnel, and the furniture in the living room.

The next thing I knew, you both had built a Dr. Suess style playhouse!

Apparently, the entry way was a slide that was prompted up on the couch. Once you tested out that out several times, you built the cabin space, thanks to the recliner couch and your favorite blanket.

Once that was complete, you and your cousin enjoyed the fruits of your labor by secretly sharing some snacks and toys underneath the blanket ceiling.

During the course of the weekend, there were several modifications; one including the giant D.A.R.E. bear at the end of the tunnel. I’m not really sure what purpose he served, but there was no need for me to question it. As long as it made sense to the two of you, it made sense to me!

Clearly, your Dr. Suess style playhouse is the modern twist on the classic children’s fort.

I’m sure in your mind, the playhouse was huge. When you’re young, things seem much bigger than they are; especially when imagination is heavy in the mix.

You literally spent hours building, rebuilding, and playing in it. And my favorite part about was, no one had to tell the two of you to go imagination and figure out something fun to do.

It just happened.

Obviously, you both were able to make something exciting out of something ordinary. That skill will get you far in the life.

I have a feeling that the next time you visit, the next playhouse will be even more extravagant… and bizarre!

Love,

Daddy

A Step-By-Step Guide To Moving With Kids And Pets (By Guest Blogger, University Moving and Storage)

No matter how you look at it, moving can be stressful — especially when you add kids and pets into the equation. Changing routines, packing everything you own and uprooting your household is a surefire recipe for stress regardless of who you are.

When you can’t understand why everything is in disorder, it’s even more difficult to cope. So when you’re moving with pets and kids, what can you do to ease the tension for the ones you love? To help answer that question, see the following tips and accompanying step-by-step guide to improving the way you move with children and pets.

Preparation

The more you can prepare your household for a move, the better they’ll be able to handle it. Take advantage of the time you have prior to your move to help everyone efficiently cope. Two key ways to prepare:

· Practice traveling

· Talk about the move

With your kids especially, have conversations about what’s coming for the family. Make the idea of moving a journey, and get them involved in the prep work. Maybe you let them choose decorations for their new rooms, or drive them around the new neighborhood. Help them visualize what’s coming, as much as possible. Equally, if you know you’ll be spending a lot of time in the car during a long-distance move, get your family used to the idea. Practice with a few shorter trips to adapt everyone to what moving will involve.

Make Plans for Moving Day

Expect moving day to be frenzied, and do everything you can to ease that stress. Can you have friends watch your pets? Can you hire a sitter for the kids? Maybe you can keep your pet in an extra room or the backyard of your new home? If someone is keeping is your children and/or pets entertained while you’re unpacking, it’s possible to relieve a lot of stress associated with the move.

Post-Move Tips

Returning your pets and kids to their routines as soon as possible is a good way to help in the first days after a move. Set up food dishes and get your pet on a regular eating schedule. Give your kids their preferred toys as soon as you unpack. If there are certain things you regularly do as a family — such as taco Tuesdays or weekend movies — try to apply them when you’re transitioning. Getting back to routine provides comfort and security to little ones in the midst of change.

Check out the below infographic from University Moving and Storage for more information.


A Step-By-Step Guide To Moving With Kids And Pets created by moving company University Moving and Storage