If you are thinking about making a move some proper planning will go a long way. Moving can cost more than you might think and can be stressful. Keep costs and headaches to a minimum by preparing a plan and get organized early.

Here is a checklist of moving tips to help make your relocation go as smoothly as possible:

1. Save and set a budget.
Moving expenses can set you back thousands of dollars. There can be unexpected costs like shipping charges, personal travel costs, temporary housing expenses and start-up fees at your new residence. As soon as you know you’re going to move try to plan for all of these things and set a budget and start saving.

2. Mover or do it yourself?                                                                                    
Decide whether or not you will be hiring a moving company or managing the move on your own. If you are hiring a mover you will need to call for estimates and reservations. If you go it alone you should try to secure some help and proper transportation.

3. Look for Work.                                                                                                                              
If you are moving for a new job it may not be as easy for other family members to find work. Start reviewing the job boards and calling on personal contacts before you go.

4. Research the schools.                                                                                                          
Check school schedules and enrollment requirements. Pick up school records or have them sent to the new schools.

5. Protect Your Belongings.                                                                                        
In order to ensure your possessions will be covered while in transit or storage during your move you will want to obtain appraisals for high-value items. Make an inventory and take photos of your valuables to have a record if you need to file a claim. Make sure to also contact your homeowners insurance or renters insurance company to ensure your possessions will be covered.

6. Do a car check.                                                                                                                      
Take care of auto maintenance and repairs before you make a long trip. Don’t forget to notify your auto insurance company of the move.

7. Turn it on and off.                                                                                                            
Make sure to notify your utilities of your move and plan disconnect dates. Also make sure to order new utility services for your new address.

8. Change Your Address.                                                                    
Fill out an online change-of-address form through the U.S. Postal Service to ensure important mail will be forwarded to your new home. Also, be sure to send your new address to friends and family, your physician, schools, magazine publishers and providers of financial services.

 

They get grimy, dirty, smelly and can be some of the dirtiest things in your home. What are they? Your kitchen appliances! But with some everyday household items and a little bit of elbow grease, your kitchen appliances can look and smell like new for many years to come.

 

To clean your dishwasher:

Regularly clean the seams and liner of your dishwasher this will help reduce bacteria buildup and improve its effectiveness.

Scour the inside of your dishwasher with a pad dipped in baking soda to remove residue and stains from the interior surface and crevices of your dishwasher.

Run a regular cycle of wash with lemonade. The ascorbic acid will help remove any remaining buildup, and leave your dishwasher smelling clean and fresh.

To clean your oven/range:

Loosen baked-on food inside your oven using a plastic spatula.

Use the juice from two squeezed lemons to clean your oven. Place the juice into an oven safe dish, throw in the lemon remains and bake 30 minutes at 250 degrees. Now you have a clean and fresh smelling oven.

To clean your refrigerator:

Clean your refrigerator monthly.

Remove all of the food from your refrigerator and discarding items that are aged or expired.

Create a paste from ½ cup of baking soda with 1 tbsp of vinegar. Apply the paste to a soft scouring pad, and scrub. Wipe away any residue with a damp sponge,

Vacuum the undercarriage of your fridge.

Wipe down the outside with warm water and vinegar.

Keep baking soda at the back of fridge to help keep it smelling fresh.

There is no need for fancy cleaning products the things you have around the house will do just fine.  Do you have any other tips for keeping your kitchen spic and span?

You might have seen the ads on TV about reverse mortgages, but what is a reverse mortgage? It is a loan for older homeowners that uses a portion of the home’s equity as collateral. Instead of the homeowner paying the lender, it is the lender that pays the homeowner based on the equity in the home.

How much can be borrowed?

The amount that can be borrowed in a reverse mortgage is determined by an Federal Housing Authority (FHA formula).  The formula considers age, the current interest rate, and the appraised value of the home.

What are the requirements for a reverse mortgage?

You must be at least age 62

The home must be owned free and clear or all existing liens.

Any mortgage balance must be paid off with the proceeds of the reverse mortgage loan at the closing.

There are usually no income or credit score requirements.

How is the loan repaid?

The loan cannot become due as long as at least one homeowner lives in the home as their primary residence and maintains the home in accordance with FHA requirements (keeping taxes and insurance current).

The must be repaid when the last surviving homeowner permanently moves out of the property or passes away. The estate will have approximately 6 months to repay the balance of the reverse mortgage or sell the home to pay off the balance.

 

Have you ever tried to clean your rugs? It can expensive and difficult to get the stains out. It can also be dangerous for small children and pets to put harmful chemicals on your rugs.

Here is a recipe for a homemade rug cleaner that works great and is safe for your family:

Ingredients:

1/4 teaspoon dishwashing liquid
1 cup lukewarm water

1. Combine the dishwashing liquid and water.

2. Use a spray bottle to apply the solution over a large area, or use the solution to spot-clean nongreasy stains.

Don’t use substitute laundry detergent or dishwasher detergent in place of dishwashing liquid, as they may contain additives that can affect the rug’s color.

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