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Tips to Minimize the Stress of Finding a New Home

8 / 15 / 1310 / 25 / 23

While looking for a new home can and should be fun and exciting, it is also often a stressful experience. There are many factors that go into looking for a new home, from the actual hunt to signing the final paperwork. When looking in Santa Monica to buy homes, there are several steps you can take to help minimize the stress.

Before the Search

Ideally, planning to purchase a home should begin way before you are actually ready to buy the home. The first factor you should consider when purchasing a house is your finances. For most people looking to buy a home, a mortgage will be needed. When acquiring a mortgage, your credit score not only determines how good of a rate you will be eligible for, but can affect whether or not you can get the loan at all. It is a good idea to obtain a credit report to have any mistakes corrected. Many low scores can be improved by paying off credit debt, which has a huge effect on most credit scores.

Next, look at your finances. Determine what you would be able to afford with your present income and monthly expenses. Remember you will need money for a down payment, interest, utilities, property taxes, closing costs, and possible maintenance. Speaking with your lender about acquiring a pre-approval for a mortgage can also help you determine what you can and cannot afford. Make sure you acquire a pre-approval rather than a pre-qualification. Pre-qualification involves a verbal conversation with your lender to determine an estimate based upon your financial information, whereas a pre-approval involves documents showing the lender the full financial information and credit history to determine an acceptable, possible loan amount. Be sure to contact your lender in advance to determine what paperwork they will need you to bring for the pre-approval.
During the Search

Now that you have an idea about what you can afford in a new home, it is time to start looking. Hiring a real estate agent will often greatly minimize the stress of searching in Santa Monica to buy homes. A good real estate agent will be familiar with the area you wish to relocate to, and will consider your wants and needs for a new home. Making a wish list of features you desire in a home can help, but should not stop there. Separating the features into a list of importance will also help the process, giving you and your real estate agent an idea of what are “must haves” and what can be done without if necessary. When viewing homes, do not forget to take notes to assist you in remembering what you liked and disliked about each home you visit to help you in the decision later. Once you have decided on a home, your real estate agent will help you determine a fair offer, as well as assisting you with filling out and understanding the final paperwork.

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Helping The Kids With School Homework

8 / 15 / 13

Now that both of my kids are in grade school (Grade 1 and Grade 3), things are somehow getting complicated in terms of their activities in homework and project.

The little boy, who is in his first grade is still in adjustment period, more so, they are in the new curriculum- K to 12 program. There are also changes in the teaching and grading system. While his big sister who’s in grade four is somewhat getting the hang of their school activity, but things are also getting  tougher as they level up.

How do we keep things sane when it comes to doing homework’s and all? Well, it was also quite hard for me as I am working ( the usual 8 hr day job) and I can only help them when I get home around dinner time.

Scheduling. I call the hubby whenever I am free at work before I go home and ask if the kids have “things to bring”  for their assignment or project that I need to buy. Remind him to check on the kid’s diary for assignments or reminders from school.

Work/ Study Time. After dinner, kids knew that they need to check and do HW (homework)

Whenever we work on their HW or project, we usually work on the computer table or the kids’ on bed as they write. We really need to set up an study area for them, they got a lot stuffs that needs organization. Coloring materials, pens, papers, magazines and all!

Support. As parents, we see to it that we are there to guide and assist them. Reach out when asked for some help. Encourage them ways and strategies that will lighten up the work load. Sometimes, I am really exhausted from a day’s work and I don’t have the energy anymore to stay up late and help them out- in this manner, it is the hubby’s turn.

Being involved feels like going on a backtrack on my school days too. I actually enjoy seeing them learn as I actually learn something new too!

 

 

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Benefits of Hiring House Painters

8 / 15 / 13

paint

If you want to improve the feeling and look of your home décor in an instant, house painters in Colorado Springs are more than qualified to come into your home and make the drastic changes on your walls that you are looking for. With talented painters ready to help you express yourself, you will have a fabulous-looking home within days.

Brown or Browner

Deciding to have your walls repainted in your home can be a big deal. If you are used to dull and drab color schemes, bright and vibrant hues may be a shock to your system. This is why it is vital to start slow and work your way up to something that is full of life and brightness. Start with neutral hues or warm and rich tones. This will not be such a surprise when you walk into a room. Your eyes can focus easily on the color, and you can really begin to get a feeling for what it is like. If you decide that you want more color right away, choose something bold that will pop when painted on your walls. Your motto may be to go big or go home, so just jump right into it and choose a bright red or crimson for your family room walls.

 

A Caring Company

Hiring house painters will ensure that your walls end up with a beautiful, smooth, and even finish. They are properly trained and have the appropriate tools and devices for the job. They are so well-trained and skilled, that they can get most of your house painted within hours of starting. A job that may take you days to complete will take them a few hours to masterfully finish. With many reasonably priced jobs for you to bid on, you can pay someone a fair price for painting your entire house in half the amount of time you could do it in.

 

A Happy Customer

You will be overjoyed when you hire house painters in Colorado Springs to paint a masterpiece of colors on your walls. The job will be completed expertly, and you can sit back and wait for the walls to dry.

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Aloha Hawaii!

8 / 12 / 13

Here’s what I got as an addition to our growing keychains collection…

keychains from Hawaii

Souvenirs from Hawaii (Hawaii Island Shirt and Keychains)

souvenirs from Hawaii

Ate Irma sent us a box of goodies over last week, it includes presents from their recent trip to Hawaii late last July. The usual, we got packed treats, shirts, sweets, kid’s vitamins and DH’s medical supplies.

vitamins and medicines

(Blackmores Macu-Vision and sugar balance, Centrum for Adults and Kids, Nature’s own fish oil supplement, Cenovis garlic supplement, Accu-Check Performa Glucose test strips)

What are the kids up to over the long weekend?

Cartoon marathon and a messy toys around the room! Been hearing non stop the minions song from the little boy too.. I’ve had so much from this. I don’t really know how many times they’ve watched this last weekend. Ahaha!

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Family Tree

8 / 7 / 13

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"I promise that if you will keep your journals and records, they will indeed be a source of great inspiration to your families, to your children, your grandchildren, and others, on through the generations. Each of us is important to those who are near and dear to us and as our posterity reads of our life’s experiences, they, too, will come to know and love us. And in that glorious day when our families are together in the eternities, we will already be acquainted." –Spencer W. Kimball

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Pamper “Me” Time

8 / 5 / 13

I thought I’ll be able to catch a lot on sleep over the weekend, but I am wrong.  Wrong in positive way that is! Yesterday (Sunday) morning, Instead of of spending long hours in bed, I was out in a salon for a much needed pamper “me” time. 🙂 I had a haircut, a mani-pedicure and foot spa session plus an eyebrow threading.

Then off we went mall hopping (Robinson’s Pioneer – SM Megamall) in the afternoon to buy myself a sandals and some stuffs for the bathroom. I got sandals from Le Donne , got for about $15 and he seem  The kids were with us and good thing they didn’t complain with the long walks that we had. Well, they actually recharged their energy as we went to Jollibee for merienda.

Went home around 6 pm and wasn’t able to catch up on blogging. I am so looking forward to having a blog blast over the long weekend. Yep, long weekend in lieu on the End of Ramadan.

*crossing fingers that I’ll be able to deliver by then.

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Lighting Your Home to Perfection

8 / 2 / 13

Home lighting is the most important aspect of home décor and design. Without it, productivity and efficiency, as well as the level of comfort at home will direly be affected. It is therefore very important for homeowners to give enough attention to this aspect especially during the planning stage.

The role of good lighting at home

Aside from making the home and all of its parts pleasing to the eyes, lighting can make or break the level at which each of the rooms are able to meet their actual functions. Say, the kitchen would never be a place for cooking and food preparation if there wasn’t enough lighting to support risky tasks like chopping, slicing, frying, and others. Same goes with the home office, where reading and writing won’t be possible without having to use any light source.

Rule of thumb in home lighting

That said, it should be easy to understand that a single lighting style does not apply to all of the rooms at home. Home lighting is definitely not a “one size fits all” endeavor; why else would we even plan it out if it was?

Now, the planning part need not be as tricky as it may seem. After all, the main concern is to promote function, so basically you just have to figure out which of the rooms in the house are intended for what. The list below might help expedite this process for you:

  • Kitchen – since this is where a lot of heavy and precision tasks are performed, having a combination of ambient and task lights could work wonders. These may come in the form of modern or contemporary wall sconces, chandeliers, and under-the-cabinet lights.
  • Entertainment room – this is where the household gathers for those weekly movie marathons, or for the much-anticipated video game matches. Ambient light could work to provide a warm effect, while corrective lighting behind the TV screen will help reduce the glare coming from it.
  • Living room – if you love decorating, then you are going to enjoy looking for light fixtures for the living room. From stunning contemporary wall sconces to amazing modern chandeliers, you can choose any type of overhead lighting and some wall-fitted ambient light to create both a functional and relaxing effect. Remember, the goal is to keep this room as versatile as possible, so make sure that you set its lighting into versatility as well.
  • Bathroom – aside from being that smaller four corners of home in which people work to be a cleaner version of themselves, the bathroom is also that nook where some individuals light up some aromatic candles, let soapy bubbles rise to the brim of their tubs, and put classical music on. So aside from your regular built-in overhead light, you can add some wall lamps that work with dimmer switches to add that relaxing, spa-like effect in your very own bathroom.
  • Dining area – here, it’s important for people to see each other’s faces as well as the food they are partaking. For this a strong overhead light would work, such as a chandelier, or any other pendant-type lighting.

Cedric Loiselle is a highly talented writer who enjoys imparting useful information about home improvement to his readers. For lighting options, he highly recommends interior-deluxe.com.

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Grateful First Friday of August!

8 / 2 / 13

We’re now on the eight month of 2013, time flies! Soon enough, it’ll be Christmas. Yay! 🙂 The first few months of this year was quite hard for us financially- debts, bills to pay, household expenses, kids tuition fee and many more! The thing is, our source of income is not enough to fund all of these things, what added to our problem is that our source of funds- my online job that is! wasn’t quite doing well at the same time.:(

We were really scared and really had to struggle to make ends meet. It was really hard to keep one’s spirit high in times of troubles right?! I’ve had bouts of depression then, good thing people around me are kind enough to understand what I am going through. Our family- DH and the kids ,whom we’ve had drawn strength from each other. We managed to get through hard moments. Laugh and cry around together and other things that made us stronger as a family 🙂

Good health is one thing that we are most thankful for. I really think it’s a balance, God won’t really keep us from burdens that we can’t bear. I just couldn’t think on how to survive *knock on wood , if anybody gets sick and we really don’t have money to pay for medical expenses.

SMALL LITTLE THINGS ARE BIG. simple things makes me feel grateful despite the problems and I think that is what matters most. To keep the faith and just move on, surrendering everything to God and bit by bit, things will settle and you’ll get by. Just what’s happening right now, things are getting well. It may not be that big, but enough to keep us in our comfort and peace of mind!

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Setting Attainable Goals for Your Home Based Business

8 / 1 / 13

Distraction is one of the biggest problems facing the owners of a home based business. Family or household problems can crop up at any time and lead to a loss of focus. Setting clearly defined short and long term goals are a home business operator’s best tool to keep distractions to a minimum and keep the business heading in the right direction. Many of the world’s most successful entrepreneurs mention goal setting first when they are asked about the keys to success. Goals act as a road map for a business. They allow owners to have a clear vision of where they are heading, and they allow them to keep track of their progress along the way. Virtual offices can help you reach your goals by providing you with traditional business tools and client meeting spaces without all of the overhead of a traditional office space. Here are a few more tips to consider when setting goals for your business.

Goals should be specific

A goal must be clearly defined and measurable if it is to be of any practical use, and the more specific it is the better. A goal to become more proficient with computers is vague and unhelpful. A better approach would be to itemize computer related tasks that need to be mastered, and then list the steps that should be taken to acquire the necessary skills.

Goals should be time sensitive

It is said that a goal without a plan is just a wish, and giving goals a time frame is the best way to avoid falling into this trap. Each goal must have a plan of action associated with it, and each step of this plan should have a target date for completion. A clearly defined schedule of tasks to be completed is the best weapon against complacency and distraction.

Goals should be realistic

An unrealistic goal can do more harm than good. If a goal is unachievable, it can sap motivation as each passing day sees it fade further into the distance. However, reaching even a minor goal has the opposite effect and can spur a business owner on. The perfect goal should be a challenge, but it should be reachable with a concerted effort.

There should be long and short term goals

Staying on track involves having a clear long term plan that is accompanied by defined daily, weekly and monthly objectives. However, business is uncertain, and problems can occur at any time and without warning. Revisiting and adjusting goals is the best way to keep them relevant and within reach.

Goals should be visited every day

The reason that most people fail to achieve their goals is because they lose their focus. Most successful business people say that the first 30 minutes of the working day are the most crucial, and they use this time to consult their goals, amend them if necessary and develop their plan of action for the day ahead.

Focus on the benefits

Goals are usually a list of tangible objectives such as developing a certain amount of new business or reaching a specific income level. The benefits of reaching these milestones are security, comfort and happiness. Keeping this in mind will make success more likely by keeping motivation levels high and distractions to a minimum.

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Newlywed and Broke Campaign For Indiegogo

7 / 31 / 13

ENMN Disclosure

I am pretty sure that a lot can relate to the new project of Indiegogo, the Newlywed and Broke is a web series of the modern day inspired “I love Lucy”. It’s all about a couple who goes through trying times in their relationship as they go with the struggles on job and money matters but in the light of comedy, a  fun-filled entertainment with all laughter and lessons that we can all learn of. 

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Relationship or not, everyone can grow nostalgic over at least a few ridiculous things they did when they were broke,”

– Reko Moreno

This project is sponsored by the Fractured Atlas, a non-profit arts service organization and contributions are tax-deductible to the extent permitted by law. With the goal to produce a TV quality web series that will first air on the Newlywed and Broke website, the series will be pitched to be pitched to networks like ABC, FOX, HBO  and others.

The Introductory Video

Newlywed and Broke: An IndieGoGO Campaign from Ingenium on Vimeo.

Dealing with day-to-day activity in married life isn’t really a walk in a park, things aren’t that heavy when you face it with positivity and humor on the side 😉

Join us in full support for the Newlywed and Broke, you may find and follow them on the social media links below:

    • http://pinterest.com/newlwedandbrok/

    • https://twitter.com/Newlywedandbrok

    • https://www.facebook.com/NewlywedBroke

    • https://www.youtube.com/user/NewlywedandBroke

    • https://vimeo.com/70315111

    • https://vimeo.com/user11360521

#newlywedandbroke to find it everywhere.

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