Danric Blog

Blog Category - Financing

Easy Tips for Prepping your Guest Rooms for Holiday Guests

Categories: Financing, Holidays, LaGrange GA, Special Occasions, Things to Do | Posted: December 19, 2011 | Comments Off on Easy Tips for Prepping your Guest Rooms for Holiday Guests

Whether or not your Holiday Guests have visited your new home in Opelika, AL before, this is a season to remember; make their stay the same! When preparing for your overnight guests imagine the comfort of home meeting the magic of a winter retreat. When they see you’ve put thought into their stay, they will feel welcomed and relaxed.

An entry greeting will set the mood for your guests.

  • If you have coat hooks or cubbies at your entrance, empty one just for your guest; they’ll know right away it was no trouble making room for them!
  • Add a photo of you and your guest to your regular display. It will spark memories and even conversation.
  • Use an empty frame and dry erase marker to write an endearing greeting on the glass such as “we’ve missed you, Aunt Charlotte”.

Make their room a retreat.

  • Crisp, clean sheets should be on the beds but if additional space is needed for sleeping guest such as air mattresses or fold out sofas, be sure those linens are prepared, folded and set aside as well. The less fuss they see you make over them the more relaxed they’ll feel.
  • Dock your ipod in the room with play lists set for holiday tunes and relaxing sounds.
  • Place a reading light or small lamp close to the bedside in the guest room of your new home in Opelika, AL along with empty outlets (perhaps a power strip) so they can easily charge their devices.
  • Leave a basket on the bed filled with water bottles and snacks they may want to munch on during the night or early in the morning.

Turn your bath into a spa.

  • Set out the towels and be sure there is plenty for everyone. If they’re staying more than one night, offer to launder them.
  • Provide a tray of fresh soap and toiletries. They’ve probably brought their own but just in case, you’ll be prepared and they won’t be embarrassed they forgot. Luxury lotion and bubble bath is a plus!
  • Add a touch of holiday décor; a candle, small topiary tree or vase filled with ornaments.

Plan ahead! Do not wait until the night before they arrive.

  • Plan meals ahead so your guests know you have plenty of food and you’re prepared to cook for them. If you’re eating out, make reservations in advance.
  • Childproof your new home in Opelika, AL ahead of time by placing breakables or dangerous items out of reach. This will make parents more comfortable and feel like less of a nuisance.
  • Have a basket of tiny wrapped gifts such as chocolates or card games that you can give your guests throughout their stay just for fun!

Why It’s Better to Buy Than Rent

Categories: Auburn AL, Financing, Home Buying FAQ, LaGrange GA, New Homes | Posted: August 8, 2011 | Comments Off on Why It’s Better to Buy Than Rent

It’s finally happened. The economy is on the mend. Dallas reported adding 83,100 jobs in the 12 months ending in April- reportedly the highest gain nationwide. With higher employment rates, many people will be moving to suburban and metropolitan areas to settle in to their new lives. We recommend you head them off and settle in now while the selection is still wide, and the prices are at record lows. If you’re looking for homes for sale in LaGrange, GA here’s some food for thought:

  • Homes are one of the sturdiest investments a person can make in their lifetime. Many studies show the sooner a person or couple purchases a homes for sale in LaGrange, GA, the richer they will be later in life.
  • Instead of paying  rent to a landlord, you could be paying your way towards better credit and equity you can use to help you later.
  • You can deduct your mortgage interest on your taxes- this is especially helpful to homeowners in higher tax brackets and it can help you and your household save thousands.
  • Buying a new home often guarantees the use of energy efficient materials and appliances that will keep your home from wasteful energy loss or the uncomfortable draftiness of older homes.
  • Banks are looking to tighten rules on down payments. Future homebuyers might have to put down more than the standard current rate of 3.5% if they hold off too long. Luckily, they don’t have to face the increases yet.
  • The Wallstreet Journal reports mortgage rates dropped 4.55% in June. According to Freddie Mac, mortgage rates are lower than they’ve been in 50 years. Economists estimate the housing market will slowly grow in favor to a seller’s market by 2013, so interested buyers of homes for sale in LaGrange, GA need to act quickly.

Cooking Healthy on a Budget

Categories: Financing | Posted: April 22, 2011 | Comments Off on Cooking Healthy on a Budget

One of the best habits you can start is planning your meals for the week in advance. That way, when you go shopping for groceries, you know exactly which ingredients you need and having that food on hand can prevent you from making less healthy impulse buys when meal time comes around.

When you go shopping, make sure you are only buying the things you need. Most food budgets are exceeded because families overbuy perishable foods, or impulse buys carefully marketed by your local grocery store chain around new homes in Montgomery, Al. The best plan you can have is to go to the grocery store with a list of the things you NEED for the week, but make sure you also plan for healthy snacks on hand. Bring a pen to cross things off of your list, and try not to make too many accommodations for other foods that may come up on your trip through the store.

Clipping coupons can also be beneficial, but only if the coupons are for items you and your family already consume. Marketing companies most frequently release coupons for novelties, like cookie dough, to encourage consumers to buy products they might not ordinarily purchase. Be sure to stay vigilant and stick to your grocery list.

Whenever you can, cook in bulk. This means less food will go to waste, you’ll spend less time cooking, and you’ll also have healthy leftovers to carry over into other meals or lunches.

Buying fruits and vegetables in season and from a local Farmer’s market can prove to be much healthier and cheaper than going to your run of the mill grocery store. Especially if you’re buying through a Farmer’s Market, your city provides all of the advertising for those farmers, and the cost of their goods does not need to be inflated to cover the costs of advertising or renting out a store front to serve new homes in Montgomery, Al.

Soba noodles are an Asian favorite. These noodles are made from buckwheat, which not only contain more fiber than bleached pasta or egg pastina, but they also contain iodine, as well. Soba can be used in stir-fry, as a side, or even as the main course.  Whether you’re making Mango Street Noodles, or Thai Peanut Curry, Soba makes for a versatile, cheap, and healthy starch.  Buying non-perishable staples, like rice, can also help you save money in the long run. The cheapest place to shop for imported goods would be a local Asian grocer or International foods market. Americanized grocery stores tend to mark up the price of imported goods by quite a large margin.

Pot roasts can also make for cheap and excellent meals. Brisket is perhaps one of the cheapest cuts of beef, but for a pot roast, cooking the meat at high temperatures for a long period of time breaks the meat down into a deliciously tender meal. Add some chopped potatoes, carrots, celery, onions, garlic, pepper, beef stock, a splash of red wine, and you have a fantastically tasty and abundant meal to enjoy in your new homes in Montgomery, Al.

TO BUY OR TO RENT?

Categories: Financing | Posted: April 22, 2011 | Comments Off on TO BUY OR TO RENT?

FOUR QUESTIONS TO CONSIDER WHEN DECIDING WHETHER TO BUY OR RENT A HOME:

“To buy or to rent?” Recent graduates, young couples, relocating professionals and others have all asked themselves this question at one point or another. While each option has its benefits, the decision to purchase an apartment, condominium or house as opposed to renting, is complex and based on a number of factors. According to a survey from October 2010 from the National Association of Realtors, nearly eight out of 10 respondents believe buying a home today is a good financial decision. The question that remains is whether or not now is the right time to purchase a home for you.

For most people, deciding to purchase a home is the largest financial decision of their lifetime. Before making the jump into homeownership, potential home buyers should consider the “soft” lifestyle issues as well as the “hard” financial ones. The professionals at Coldwell Banker Spinks Brown Durand and DanRic Homes have provided the following four financial and lifestyle questions to consider when determining if buying a home is the right decision for you:

 

1. Do you have a steady income? At or near the top of every potential homebuyer’s mind is whether or not they can afford to buy a home right now. Buying a home remains a sound financial decision for those with documented income and a good credit history, and a steady income can provide a strong backbone for the initial down payment and future mortgage payments. The “Affordability Radar” tool on coldwellbanker.com is a great way to begin this planning and assess how much home you can afford. Don’t hesitate to speak with a real estate professional even before you’re ready to buy a home. Along with a financial planner, a real estate professional can help you answer and uncover questions about the cost of homeownership.

2. Do you plan to stay in a home for an extended period of time? With proper planning, a home purchase has historically proven to be one of the strongest investments one can make. Along those lines, it’s imperative to understand that investing in a home is much different than investing in a stock portfolio. Homes typically appreciate in value over time while the owner builds his or her equity through monthly mortgage payments. If you anticipate staying in a home for only one or two years, it doesn’t necessarily mean buying is not for you, but you are less likely to see a significant financial return on your investment.

3. Do you plan to sell a house in order to buy a house? A local real estate professional can help you understand current local market conditions and will help you make smart decisions when listing a home on the market. If you do not currently own a home that needs to be sold prior to purchasing a new one, now is a particularly smart time to buy. Even with lenders becoming increasingly more thorough in their approval process, mortgage financing is still widely available for those with a steady income and solid credit. High inventories and low interest rates give first-time homebuyers a tremendous amount of opportunity and flexibility in markets across the U.S.

4. How do your other options compare? For renters, calculating month-to-month housing expenses is as easy as inquiring about the monthly rent and average utilities. The calculation gets a bit more complicated when considering the monthly cost of owning a home. A real estate professional can help you understand a range of financial considerations from annual property taxes to the tax incentives for owning a home.

“There is no one right decision when it comes to renting versus buying a home,” said Darby Pippin, of DanRic Homes. “Each individual should take the time to look at their personal and financial situation to decide what will work best for their needs and lifestyle.”

DanRic Homes, located at 89 Durand Road, can be reached at (706) 882-7773 or online at www.danric.com. DanRic Homes has been building quality new homes the area for 37 years.

Save Your Tax Refund to Buy New Furniture!

Categories: Financing | Posted: April 5, 2011 | Comments Off on Save Your Tax Refund to Buy New Furniture!

You’ve seen the declining prices, you’ve taken note of the low interest rates, you’ve read the countless number of pros and like many other investment-savvy Americans – you’re realizing that now is the time to buy a new home.

So where do you start?

Well, many people will tell you that getting a down payment is your first order of business. Some might even suggest that you use your tax refund check for that sole purpose. But not this gal. Nope, I’m going to go in a completely different direction and recommend that you save that refund check for a rainy day, or even to buy yourself some new furniture for that new home.

Buy new furniture? She can’t be serious.

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