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The Six Phases of Buying a Home



Six Phases of Buying a Home

First off, congratulations on entering the the second phase of buying a house. That’s right, the SECOND phase; Whether you realize it or not if you’re reading this article you’ve likely mulled it over at some level, even if only deep within your subconscious. Maybe you’re a savvy, investment-minded individual thinking about the future; perhaps you’re simply experiencing a severe case of FOMO as you hear about all your friends buying houses; or maybe you’ve simply outgrown your current place; for whatever reason, at this point you’re solidly planted in phase #2.

#1- A Lingering Thought

Let’s back up for a moment and discuss phase # 1. In this phase, the idea of purchasing a home isn’t a fully-formed plan, and is very likely simply a passing thought, or idea. Butthat’s excellent! The greatest feats of mankind each started as a simple idea. 

During this period you’ve likely found yourself coming back to the idea of buying a home, over and over. It wasn’t a serious, time-consuming consideration, but a pesky recurring thought that wouldn’t go away. As a result, you began noticing the things you admire about your friend’s homes, or you found yourself holding a lingering glance at the beautiful home down the street, or just maybe, the “For Sale” and “Open House” signs on the corner suddenly caught your attention. You spent some time ignoring it, then you gamed it out in your mind as a potential scenario, now you’re truly considering it, and here you are reading a piece titled “The Six Phases of Purchasing a Home” Welcome to phase #2.

#2- Exploring the Idea of Buying a Home

Now that you’ve given in to that still small voice in the back of your mind, you’re in a preliminary exploratory phase. You’ve probably already done a home search or two, huh? Thought so. During this phase potential buyers begin researching the process of buying a home in earnest; They’re considering their finances and purchasing power, glancing at the inventory, and likely searching online about what to expect (again, here you are!), as well as asking close friends about their experiences and recommendations. 

While no serious commitment to actually buying a home has been made yet, with each passing day it begins to feel more and more like a real possibility. As you do your homework, it becomes obvious that it makes much more economic sense to purchase your own home to build personal wealth, than to continue contributing to that of your landlord’s

Now you’ve decided; It’s time. 

This conveniently brings us to phase #3: Committing to buying a home. 

#3- Committing to Buying a Home

This period is an extension of #2, and a pre-cursor to #3, in that it incorporates the activities of both. At this point purchasers have been doing some preliminary groundwork, but now that they’ve officially set out on the adventure of becoming a homeowner, everything steps up a notch. What were innocent casual searches before are now auto-emails with pre-defined filtered criteria, only returning properties that are perfect matches for their dream home… or something they’ve landed on which they can both afford and find joy in. 

This is a crucial step because this is where buyers assemble their real estate teams (cue dramatic inspirational music and a cast of superheroes appearing!). Ok, maybe not quite so cinematically divine, but still an exciting and highly consequential decision. A real estate team’s makeup will vary slightly depending upon the individual buyer’s circumstances, but most are made up of three key players: The buyer, their realtor, and their lender. 

The buyer has the vision and calls the shots, the realtor knows the housing market and current inventory, and handles negotiations, and the lender helps the buyer better understand the specifics of the finances, issues a pre-approval (required to submit an offer in most cases), and processes the loan. 

Choosing a real estate team is an integral step in the process, and buyers should choose professionals who are experienced and bring a great deal of value to the table, but who also help the buyer feel at ease and educated about the process; They serve as both advocates and educators.

#4- Actively Pursuing a Home to Buy

Now that a solid team is formed, the buyer is well on their way to purchasing a home. Here the buyer enters phase #4. During this time the buyer and their agent are actively monitoring the housing inventory. In step #3 the agent likely set up an auto-search, so both the agent and the buyer are pinged when a new listing that matches the search criteria goes active. Now, the buyer is also attending open houses on the weekends and visiting the strongest contenders with their agents. At this stage, the buyer is ready to take action when the right home hits the market. The real estate team is on high alert.

And then it happens; The perfect home has been identified, and it’s “the one”. Buyer and agent discuss the specifics of an offer, the offer is written and submitted (along with the pre-approval letter from the lender), and then the buyer hears those magic words they’ve been anxiously awaiting: “Your offer has been accepted!”

#5- Contract Process

Woo hoo! Now phase #5 commences: the contract phase. The length of this phase is determined by the settlement date included in the offer; It may be a very quick turn-around of 14 day, or a pretty lengthy period of 60 days. During this time the contract’s contingencies are worked through (items such as the home inspection, appraisal, reviewing documents if located within a homeowner’s or condo association, etc.). This is when the buyer, with the aid of their agent, performs their due diligence and gathers all the relevant information on the property. During this same period, the buyer’s lender is processing their loan documents, and eventually sends them to underwriting for final loan approval. 

#6- Closing Day!

And finally, once all the action items of the contract period are satisfied, the magical day arrives, the day considered by many to be one of the most important days of their lives; It’s closing day! This is the sixth and FINAL step of the home buying process. Closing day (also called settlement day) is when the buyer finally takes possession of the keys to their new house. Settlement itself is a relatively simple affair, merely requiring a lot of initials, dates, and signatures. 

For some, this process takes months, and sometimes even years, and for others it can be a blazing fast affair of only a few weeks. For most, it seems far more daunting than it actually is. So, if you’re an early-stage #1-er, or you’ve found yourself progressing into phase #2 land, don’t hesitate to start considering the makeup of your real estate team; They’ll help ground you and focus you on the objectives ahead. 

Start with your friends who have purchased before and ask what they loved or didn’t love about their realtors. Maybe they have a strong suggestion, or perhaps they didn’t have a great experience and they’ll share why. Either way, you’ll get valuable insight about what to expect along the path to homeownership.

Happy house-hunting!

Ed Cook Licensed Realtor – South Florida

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Is Painting Houses on Your own Hard?





Painting houses on your own can be hard work, but the result is something to be proud of and show off to friends and family. If you’re considering tackling this project by yourself, there are some things to keep in mind as you plan and prepare so that you have the best experience possible. 

Tips and Advice

It may sound difficult to paint a house from start to finish by yourself, but it is certainly not impossible. The first thing you need to do is research your local market for painters. If you have friends or family members that have used a painter in your area, ask them for a referral. If there are contractors in your area, they will most likely be able to recommend a good painting company or contractor that they’ve worked with before. This will ensure that you find someone reliable and experienced enough to get the job done right.

Tools You Will Need

Paintbrushes are one of those essential tools that make a big difference in how easy it is to get the job done. If you’re painting houses yourself, use these brush recommendations to help choose your brushes and make sure they do their best work.

Prep Work Beforehand

Before you ever set foot outside with a paintbrush, it’s good to know that painting houses by yourself aren’t as easy as renting a painter for a day. Sure, you don’t have to do any legwork—but then again, there is a lot of legwork to be done if you want your paint job to look professional. Doing it yourself will take patience and perseverance, but if all goes well, you could save up to 50% of what most painting contractors charge.

How to Prepare the Walls For Painting

Fill in any holes or cracks in plaster with a mix of one part joint compound and three parts sand. Apply a skim coat over patchy areas, then let dry thoroughly. Lightly sand again before applying primer or paint. Sanding gets rid of bumps and blemishes to make for a smoother finish when you’re done. Get More Info From Rewrite Your Story

Masking Tape

Once your walls are completely painted, you have to cover up any holes and gaps. The easiest way to do that is with some good ol’ masking tape. It’s an easy material to use and it helps make a clean-cut line at every corner. Just like what we mentioned earlier with painting your baseboards, it’s best if you use pieces of tape that match your wall color or type. That way, there’s no noticeable difference between your wall and any added paint or decorations. If you don’t have any white rolls lying around, any type of painter’s tape will do fine as long as it doesn’t stand out against your walls too much.

Different Paint Finishes

While painting houses is a business that anyone can do, there are some things you should know to ensure you aren’t wasting time and money. For example, you might think hiring a professional painter for all your exterior painting projects is a great idea but it isn’t There are plenty of jobs that can be easily done by any homeowner who has their heart set on giving themselves a springtime makeover. But what if you have special finishes in mind for your paint job. Here are some tips about different types of paint finishes

Best Paint Sprayer For Exterior House

Spraying your house with a paint sprayer is one of many great ways to paint it. Spray painting is more efficient and economical than rolling, which will save you time and money. While spray painting may be more expensive upfront, you’ll be glad that you invested in one once you get done using it; painting is easier when using a sprayer and there’s less cleanup required. Most DIYers will find they can finish their exterior painting job within a few days with a sprayer. Before buying any particular model of paint sprayer, be sure to check reviews of other users to ensure yours will meet your needs.

Tips And Tricks For House Painters

House painting is a job that many do for fun or extra cash. It can be a lucrative venture if you decide to make it your full-time job, but it takes more than just painting walls to make a living out of it. You have to consider expenses, taxes, and how long you plan on being in business before you open up shop. Here are some tips and tricks that might help you out in your future career as a house painter.


To paint a house, you’ll need to take safety precautions and make sure you have everything you need. Do your research, prepare for surprises, and follow any manufacturer instructions. If you want to save some time or money, consider hiring a professional. They will be able to get your job done much faster than if you tried to do it yourself. You might even be able to learn from them as they work.

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What Is Involved in Buying and Selling Real Estate?



Real Estate

There are many different kinds of Real Estate out there. This article will take a look at Industrial and Commercial properties. We’ll also discuss Co-ownership and Escrow. These are all important considerations when purchasing a real estate property. Hopefully, this will give you an idea of what is involved in each of these different types of Realtor Marco Island. Listed below are a few of the most common real estate mistakes, and the best ways to avoid them.

Commercial real estate

Commercial real estate encompasses many different types of properties. Some examples are gas stations, office buildings, and retail stores. Other types are strip malls, shopping centers, and power retail centers. Retail properties can range in size from 30,000 to 200,000 square feet. In some cases, a single large anchor tenant will act as the center’s anchor. Some types of commercial property are mixed-use. These types are a combination of office space, retail, and residential spaces.

Industrial real estate

The demand for industrial real estate is largely driven by trade and consumption, two sectors that account for the majority of economic activity. The facilities for industrial production and distribution are necessary for efficient flow of goods throughout the supply chain. Industrial real estate investments often carry high interest rates – some of them are as high as 30 percent. Industrial real estate properties can also be subject to greater risk than residential properties. For this reason, it is important to carefully consider the pros and cons of this type of property before investing.


When a person buys a piece of property, they must consider whether they want to share it with another person. If they do, you should make sure that you have each person’s approval before you do so. If not, you can go to a court and get a partition order. Ultimately, you must agree on who will own what and how. A court will decide whether the property should be divided by sale or appraisal.

Tenants-in-common arrangements can work for some individuals. This type of ownership is more common than tenants-in-common, and it enables the owners to share a property without establishing equal stakes. Tenants-in-common allows each person to have a specific percentage of ownership. It is also easier to exit this type of arrangement than joint tenancy. However, the pros and cons of co-ownership differ.


When buying or selling real estate, one part of the transaction that can be confusing is escrow. This middleman secures all of the documents and funds necessary for the transaction. The escrow agent will hold the property until the transaction is complete. This is a necessity in real estate transactions. If you plan on making a large purchase, escrow is a valuable tool to use. The following are some common situations where escrow will come in handy.

When buying a home, you will be required to place funds into an escrow account. An escrow account will hold your funds for taxes, insurance, and other expenses while the transaction is going through. This account also helps protect you in the event that you are unable to pay your taxes or insurance costs. Escrow is also helpful if you are buying a vacation home. You’ll want to keep this document forever for tax purposes.

Buying land

There are a few steps to take while buying land in real estate. It is vital to find out if the land you are considering has been mortgaged, has any rights against it or is currently being used for agriculture. Additionally, you should ask for copies of the original title documents, which should be provided to you when the land is sold. This is important for a number of reasons. We will go over a few of them here.

House flipping

Buying a house and flipping it can be a lucrative endeavor, which can generate a sizable profit. Depending on the neighborhood, purchase price, and other factors, a successful flip can generate profits ranging from $20k to $80k. In addition, you can earn a large amount of money within a relatively short period of time – about six months on average! The potential profits of house flipping are great, and you can do it from the comfort of your home or an industrial park.


Although house flipping can be lucrative, it also comes with risks. You have to make sure that the neighborhood you’re considering for your flip is affordable, and your vision must fit with the realities of that neighborhood. You also need to know what kind of price range you’re willing to pay for the house. Generally, the best times to buy a house for flipping are when the real estate market is hot. However, if you’re new to this type of investing, it’s best to learn as much as possible about the process.

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Why Asbestos Testing is Importantfor Building Safety?



Asbestos is a natural mineral which was once commonly used in construction materials such as insulation, floor tiles, and roofing. However, it has been shown to cause serious health problems (when it gets disturbed and becomes airborne). For instance, inhaling asbestos fibers can lead to;

  • Chronic lung disease
  • Mesothelioma (a form of cancer),
  • Other respiratory illnesses.

For this reason, Asbestos Testing Kelownahas become obligatory to ensure that buildings are safe for occupants and workers. Since Asbestos fibers are microscopic and thus can’t be visible to the naked eye, it takes a particular testing kit to be used by trained professionals who know how to use and test.

 If asbestos exists in a building, it is important to take steps to contain and remove it before it can cause health problems.

What is Asbestos Testing?

Asbestos testing is important to ensure the safety of people who work in or visit a building. Asbestos removal is a bit complicated and dangerous process, so hiring a qualified company to do the work is important. Asbestos testing can be expensive, but the cost of not getting it done can be worst.

There are many other considerable reasons why asbestos testing is highly important.

What is the Procedure for Asbestos testing?

When asbestos is suspected, it is important to have it tested by a professional to determine its presence. The asbestos testing test kit includes a sample container, instructions, and a lab request form.

The professional takes a sample of the material and sends it to a lab for testing. If asbestos is present, the lab will provide instructions on removing it.

Reasons for Asbestos Testing

There are many reasons why asbestos testing is important for building safety; they are;

  • Asbestos fibers are extremely harmful to human health and can even be deadly.
  • Asbestos fibers can stay viral for long periods and can be easily inhaled by people in the area.
  • Asbestos fibers are also resistant to heat, so they can be difficult to remove once they have been disturbed.
  • Hence, Asbestos testing is the only way to ensure that a building is free of this dangerous substance. It’s important for building safety as it helps protect peoplewho work or live inside the building.
  • Asbestos fibers can cause serious health problems and even death. Thus, Asbestos testing is the only way to ensure that a building is free of this dangerous substance.

Here an environmental consulting company plays a significant role in protecting commercial buildings from dangers like; asbestos, demotion abatement, mold remediation, and removing hazardous materials while renovating any old commercial place or building.

Want to know more about how this service works? Have a look;

How Environment Consulting Company Works in Preventing Any Building From Harmful Effects of Asbestos?

Asbestos is a dangerous material that can release fibers into the air when disturbed. If these fibers are inhaled, they can cause serious health problems, including cancer. Asbestos removal is not something that amateurs should attempt, and it is a job for professionals who have the experience and equipment to do the job safely.

To help protect this, many multi-disciplinary or environmental consulting companies provide asbestos testing and removal services from buildings and other places.

Many Environmental Consultant Kelowna widely known for doing this jobsuccessfully. Now, many companies offer asbestos testing services. It is important to choose a reputable company with experience with asbestos removal.

Let’s look at quick tips on approaching thedemolition abatement Kelowna orbest asbestos testing service in Kelowna.

How to Approach the best Environment Consultant in Kelowna?

When it comes to removing asbestos from your home or business, you want to ensure the job is done safely and correctly. The best way to confirm is to hire a professional asbestos testing and removal company. But with so many companies out there, how do you choose the right one?

Here are a few tips:

1. Choose a company with years of experience in asbestos testing and removal.

2. Ask for references from past clients.

3. Make sure the company is licensed and insured.

4. Get an estimate in writing before signing any contracts.

5. Check to see if the company follows all safety procedures when removing asbestos.

By following these tips, you can be sure to hire a reputable and experienced company that will safely and correctly remove any asbestos from your home or business.

Asbestos testing is important for keeping people safe from this dangerous material. One of the best environment consultants in Kelowna is the Mission Hills Environment.This asbestos testing company serves all adjoining areas, including;

  • Vernon
  • Lake Country
  • West Kelowna

In terms of Asbestos testing and removal, their services include;

  • Testing for Asbestos
  • Disposing Of Asbestos Waste
  • Project Documentation
  • Safe Work Procedures (SWP)
  • Exposure Control Plans (ECP)

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What is the difference between a nursing home and a retirement village?




Life Plan Communities should be able to handle any situation, including unexpected illnesses or surgery. While people recover faster in the comfort of their own homes, many seniors need specialized medical care. Comprehensive rehabilitation services help them return to their previous health more quickly. Key therapeutic areas include restorative health, wound care, balance and cardiac, pulmonary therapy, low vision training, and cognitive rehabilitation. 

Care homes offer more privacy

Care homes provide greater privacy than retirement villages, especially if residents prefer to be alone or have fewer social interactions. While a care home might not offer on-site amenities, it may be smaller and have fewer residents, which makes it easier to monitor the care of one’s loved one. In addition, care homes may offer less activity programming, which may be more appropriate for seniors who prefer not to be socialized with other residents.

The first and perhaps most important difference between retirement villages and care homes is that a retirement village is noisy, social, and full of noise. Although the residents are in the same building, they can have different levels of privacy. They can still socialize with other residents, but their privacy may be compromised. Moreover, a retirement village is no different from a residential housing estate, with neighbours and noisy noises. Care homes like Morwell nursing home offer more privacy than retirement villages and are ideal for people with different needs and desires.

Respite care

 Respite care provides short-term or long-term assistance with daily tasks such as eating, walking, or medication management. This type of care is ideal for those who take on too much responsibility.

Most families pay for respite care themselves, but Medicaid will cover some of these costs if your loved one has specific conditions. If your loved one needs nursing-level care, you may qualify for Medicaid. To qualify, you must be low-income and meet income guidelines. You can also apply for SSI disability benefits to help cover the cost of respite care. If your loved one has a long-term health care insurance policy, it will likely cover some or all of these costs. In some cases, you can get free respite care from the VA.


Traditionally, activities at a nursing home were limited. While some examples of traditional activities like bingo, some retirement communities are also introducing more innovative activities. It can include everything from karaoke to YouTube comedy. Activities at nursing homes should cater to residents’ interests, and some facilities may even organize activities for their residents while in the care centre. If you’re unsure whether a retirement community is for you, check out the following tips for finding a facility that meets your needs.

Try hosting group trivia nights for residents. It can be a lot of fun for them to play against each other. Make sure to prepare snacks and plenty of water. Seniors will love to be with their friends and family, and activities are a great way to maintain relationships with family members and friends. Whether they can participate or not, seniors will find it uplifting. Activities at retirement villages and nursing homes may even provide a sense of purpose for the residents.


While the average monthly cost of a nursing home or retirement village can be less than $3,000, some charge as much as three times that amount. Fortunately, a large percentage of these communities are refundable. In addition, the rates vary from community to community. While some may charge a high entrance fee, others require only a small one-time fee. This article will look at the costs of the various types of care in a retirement village.

Before moving into a nursing home, residents are assessed to determine the level of care they need. Some will need assistance with bathing and hair grooming, while others may not need such services. Often, laundry services are included in the cost, but the policy varies from one facility to another.

Cost of living in a retirement village

Whether you decide to downsize or live in a retirement village, the costs will add up. Some people opt for luxury country clubs, but that comes with a price. While most people will have sufficient capital to live comfortably in a retirement village, the total cost of living in one can add up to a considerable amount. To avoid any unpleasant surprises in the future, take the time to understand the costs associated with living in a retirement village.

In many cases, a monthly budget for a retirement village can be as low as $4,000, while about half that amount is for non-discretionary costs like homeowners insurance, utilities, lawn services, and security systems. You may be surprised to learn that entry-level fees at some retirement communities can be lower than what you’ll pay every month. Moreover, some retirement villages even offer a range of services that may be very helpful for your retirement.

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Top questions you need to ask your plumber before hiring




If you’re looking for a plumber, you’ve probably wondered if you should hire someone insured. When a plumber is insured, they’re guaranteed to take all of the risk associated with a job, ensuring that you won’t pay for damage to your property. It is a significant benefit for homeowners, as it saves them money. But is that enough of a reason to hire an insured plumber? Here are some questions you need to ask your plumber before hiring him:

Ask for references

Despite decades of experience and corporate guarantees, many homeowners still fail to check whether a plumber is reliable or not. It pays to ask for references, but if a plumber is unwilling to provide them, you might be better off going elsewhere. A plumber with several satisfied customers is usually more than happy to brag about their service. By asking past customers about their experience, you can get the scoop on the plumber’s level of service, turnaround time, and quality of the repair.

Ask a plumber is whether they are licensed

A licensed plumber has undergone the necessary training and experience to perform plumbing services. If he is unlicensed, you could be liable for any issues at the site. Also, plumbers with licenses have been tested to ensure their skills. If you hire an unlicensed plumber, you could endanger your home insurance if the work is not done correctly. It’s also best to avoid hiring a plumber without a license – unlicensed plumbers have no way to ensure their skills are up-to-date.

Make sure your plumber has a license and professional support staff. By choosing a licensed plumber, you’ll get timely service and a high standard of conduct. Additionally, licensed plumbers offer guarantees and high standards of ethics. 

Make sure to negotiate payment with the plumber before the work begins

Make sure to negotiate payment with the plumber before the work begins. A failure to discuss the payment terms will lead to significant complications later. Some plumbers require a large upfront payment, while others expect you to pay the rest in instalments. Ask whether the plumber accepts credit cards or prefers to take charge via check. Ask if the plumber accepts personal checks or bitcoin as a form of payment.


Experienced plumbers should know how to safely and effectively handle these tools and follow OSHA standards. A plumbing technician should be in good physical shape and strong enough to handle various tasks.

If a plumber does not have enough experience in your area, you should look elsewhere. Look for a plumber who has completed plumbing work in your area. Plumbers who have completed their training should be licensed. You may visit if you need plumbing services in Sydney, and they will surely help you with your plumbing needs.

Experienced plumbers should be on time and friendly. Being punctual is synonymous with excellent customer service and work etiquette, contributing to the plumber’s good reputation. Coordination skills are vital, especially when working in tight or unorthodox spaces. In addition to this, plumbers should have excellent communication skills. Keeping the customer calm while they describe the problem is essential. Avoid conflicts or misunderstandings.


The price of a plumber depends on several factors, including the location of the job, the type of service you require, and the number of plumbing parts that are needed. A plumber’s hourly rate is often higher in urban areas, where the demand for plumbing services is higher. Plumbing cost calculators can help you determine the average rate for your area. A plumber can charge differently depending on the scope of the job, but some jobs may not require any significant materials. For example, a simple faucet replacement might not require extensive materials, while a complete house remodel might require extensive plumbing supplies.

The price of a plumber varies widely depending on the job’s time, materials, and complexity. In extreme cases, plumbers may charge you more, but the price won’t increase. A plumber will usually charge a minimum rate higher than the first hour and a trip fee. Plumbing costs depend on the location, size of the job, and the type of plumbing fixture that needs repair. 

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