House and Land – 4 Tips For Buying a House Or Apartment

You can save a lot of cash by doing some research and learning a little about housing and perhaps auctions and land values.

1. If you want to buy at auction, attend a few first; get the feel for the way they work. In hot markets the bidding can be furious, but remember not all bids are genuine. Some states allow vendor bidding, this is an agent bidding up the price to try and get some momentum going.

Be very clear about exactly how much you will spend, and ensure you have your bank finance in place, because when you enter into an auction it is legally binding. You can’t be the highest bidder and then change your mind.

In a slow market the auction process can give you a sense of how low the vendor is prepared to go. In these markets most houses are sold after the auction.

2. Know the area and the mean price (average price) of real estate. If you can find a house in reasonable condition that is well under the mean value, you are likely to have a good deal as long as the property is sound.

It does require some research to be clear. E.g. in one stress in our area the mean value on one side of a particular stress is about $1,100,000 but on the other side of the street it is only $750,000. Why because one side of the road has sea views.

3. Be careful of homes that back on to a park or have an easement running along the back alignment. These areas while appearing to offer extra privacy are a greater security risk and your insure mar require extra security measures.

Check your local authority for historical water levels. Has the property ever flooded. Don’t let looks fool you. The peak height of most floods are beyond the comprehension of the untrained eye. One property we owned had a water easement behind the property. It was 30 yards wide and 1 yard deep. We felt secure until it filled the first time we had torrential rain. All that saved us was that the water ran away quickly and never broke its banks.

4. Have the property alignments properly surveyed if the boundary pegs are not present or if you have any doubt about the accuracy of their location. A buyer recently spent $4,000,000 on a beautiful rural property only to discover later that the expensive gates and front fence where outside his property and the water course was a council easement.

Affordable Solar Power – Convert Your House and Save!

Affordable solar power. Impossible you say? If you have been thinking solar lately, you have been on the right track. Residential solar power kits are now within your reach and is one of many reasons to consider the switch.

The huge spikes in energy we’ve seen lately are not about to go away any time soon. We are rapidly reaching a critical mass situation when it comes to trying to meet our energy needs.

We must also admit our environment is taking a beating. The planet gets more polluted by the day and now 3rd world countries are developing quickly and the worlds thirst for oil is nearly insatiable. We now use more fossil fuel than we refine.

These are but a couple of good reasons to consider and now it’s rapidly becoming the time for you to start thinking about your energy independence. Just like each nation needs energy independence so do the folks!

Current technology has now improved out ability to power up our homes with new state of the are residential solar power kits. Now, virtually every power consumption item in your home can be powered by solar energy.

These new affordable solar power kits are not only very easy to install but maintenance is a snap. Prices which were once out of reach for most people and now at record lows and are becoming more affordable by the day.

What does a solar power kit involve and how does it work? Will it truly benefit me? Technology has taken the mystery out of how these system work and they are less difficult to understand so lets explore those questions just a bit.

Residential solar power kits are made up of many different modules and when putting these modules together can power everything in your house. Photovoltaic cells which are also known as photoelectric cells are the main source of conversion.

Solar panels are made up of the cells and are arranged in such a fashion that they soak up the power given off by the sun.

Energy from the sun is then converted into electricity which is then stored in deep cycle marine batteries and then can be further converted into AC power or used as straight DC power by use of power converters.

Depending on the number of panels you install, it is possible to power up your entire house and get rid of the electric bill forever! Not only that but excess power can be pushed back out into the grid and sold back to the power company.

There are also modules in which you can use for more specific things as water heaters, solar furnaces and more and I have addressed those in other articles. Solar energy can also power up everything in your yard as well and need not be confined to just the house.

Many new companies are now producing affordable solar power kits employing the latest technology which allows you to completely fulfill your residential solar power needs as soon as today.

The cost saving you will experience with be seen immediately and these systems can pay for themselves rapidly over time. Detailed plans for adding these affordable solar power systems to you home can be found on the web if you know where to look. Installation is easy and energy independence can finally be yours!

House Alarm and Home Safety Devices – Homeowners Insurance Considerations

Did you know that a house alarm and home safety devices can significantly lower the cost of your homeowner’s insurance? Well they can. In fact, many insurers reduce the price by 5 percent or more for a burglar or smoke alarm. You can save another 15 to 20 percent for a sophisticated sprinkler system and a fire and burglar alarm that rings at a police station.

You will need to provide proof that you have installed the devices and also proof that the alarms ring at a central monitoring station to get the financial credit for having them.

Keep in mind that you have to offset the price of the device with the savings you’ll achieve. But many homeowners like the security and would buy the items anyway and appreciate the savings they get. Others know they should have them and are pushed to buy them based on the insurance savings.

Also, not every system qualifies for the discount so before you buy, find out what your insurer recommends.

Newer homes are more likely to have some of these features already. But, in older homes, smoke alarms aren’t standard and you may have to install one yourself when you move in.

Having alarms and deadbolts also protect your family against harm from fire and intruders. It’s not just a matter of financial security – it’s a matter of personal security. Consider this a nudge in the right direction!

House alarms and home safety devices are just one way to lower the cost of your homeowners insurance.