I absolutely hate to exercise! It is so boring! I have found a way to make exercise FUN! Yes, believe it or not it’s true, fun exercise.
I have joined 24 Hour fitness and they have these really cool classes every day at all different times during the day. They have an aqua class, yoga, 24 cycle, turbo kick boxing, pilates, zumba, hip hop dance and more! They are really fun and when you exercise as a group you have to keep up with the class. You can’t quit! The group dynamic is really something. Every one has a good time and gets in some exercise too! Some classes are easy and some are really challenging.
So, if you hate to exercise but know you have to do it check out 24 Hour Fitness. It is really affordable and the classes are fun! Go to http://www.24HourFitness.com and check it out. You can even join and go to any of the clubs.
You know you should do it! Give it a try you will love it!
One of my clients asked me, ”Ok, what do I have to do to buy a house in this market? ” We have been looking at homes that are priced under $140,000 in Sacramento and making offers over asking prices and not getting accepted. This first time buyer is an FHA buyer that needs credits from the Seller for closing costs.
Some of the homes we have looked at do not qualify for FHA financing as the appliances are missing, the air conditioner is missing or the property is just too damaged. Then we see other homes that are beautiful! The kitchens have been recently upgraded and the paint and carpet are all new. The majority of these homes are not eligible for FHA financing for 90 days as the current owner just purchased the home and has fixed it up and is now reselling it at a profit.
What I explained to my client is in this market, the first time home buyers and the investors are competing for the same homes. If a Seller receives an offer of all cash, close in 10 days or an FHA first time home buyer close in 30 days, requesting funds back for closing costs, typically the Seller will select the all cash offer. So, it is not always the price but also the terms of the offer that make the difference.
So, if you can reduce the amount of credits for closing costs, be ready for a quick close and offer a fair price, you will get that dream home eventually. The first time home buyer is making approximately 25 or more offers before getting an offer accepted.
So hang in there and don’t get discouraged. There is a reason for everything. You will eventually get an offer accepted on a dream home for you and your family!
Do you feel as though your entire home has been invaded by toys? If so, then it’s probably time to think about creating a dedicated playroom. But to create a space where your children or grandchildren can play without constant supervision, you need to think safety first.
Start by doing a “crawl-through” of the room you plan to use, keeping an eye out for sharp edges, electrical cords and uncovered outlets. If you find these hazards, purchase rubber edges, outlet covers and cord keeping devices. Push on the furniture, including bookcases, shelves, tables and chairs to check for stability. Secure items that seem unsteady by bolting them to the wall or remove them from this room. If the playroom is on the second floor place any thing a child can climb on like kitchen sets and drawing tables away from windows to minimize the risk of a fall. Make sure that the toys are accessible to kids. Keep toys off high shelves or in plastic storage bins with lids that snap close. Put them in storage containers that are easily accessible by the kids.
If you are starting a room from scratch, think about materials you use to furnish the room. Cork is great for floors because it is hypoallergenic and can withstand moisture from the inevitable spills. Cotton fabrics are a good choice because they clean up easily and are better for children with allergies.
Once you have a dedicated playroom the kids will love it and so will you!
1. Windows and door replacement:
Based on the age of your windows and doors, consider replacing as many as you can afford for the highest energy efficiency benefit.
2. Fireplace and chimney inspection and cleaning:
Make sure both are working properly before you need to use them. Call a chimney cleaning company to come clean the chimney. It usually costs around $100 and is well worth it.
3. Attic and ceiling insulation:
Use foam insulation to seal the gaps under your regular insulation. Be safe when handling these products or you can do like my husband always says, “Call the guy” There is a guy for everything, all you have to do is call him.
4. Gutter cleaning and replacement:
Gutters that are not working properly can cause interior damage. The water can back up and cause interior leaks at the roof line.
5. Roof repair and replacement:
Inspect and repair the roof to keep trouble spots from becoming an issue during the winter months. Call a roofer every other year to come and inspect and repair any roofing issues. It is not usually very expensive and can actually save you money in the long run.
