What are 11 Not-to-Dos Right before Moving to Milton, DE?
It might seem that some actions are perfectly obvious—and that among them are the many things you shouldn’t do immediately before moving to a new Milton, DE home. Yet, as moving day approaches, the multiplicity of tasks that are left to be done have a way of filling up the brain space usually reserved for sound decision-making.
A good example has to do with the living room furniture. It’s definitely one thing you should NOT do before moving:
1) Forget to measure the living room.
Making the assumption that all of your present furniture will fit nicely in the new living room is fraught with peril. The movers will want to know where to put the second couch you’ve just paid to have moved.
Ten other leading not-to-dos before moving:
2) Buy a puppy (especially a big, energetic one).
3) Put off notifying your old utilities/new utilities. (Unpacking by flashlight is ill-advised).
4) Not bringing the flashlight.
5) Wait until the last minute to notify the post office of your change of mailing address.
6) Not labeling the cartons (all of them).
7) Not bringing a marking pen to mark any unlabeled cartons after you’ve had to open them to see what’s inside.
8) If you’re taking the refrigerator, defrosting it in advance.
9) Neglecting to assemble a box of items you’ll need in the first 24 hours in your new home.
10) Not keeping a close watch on valuables (jewelry, electronics, documents, and cash).
11) Forgetting to take photos of the old place memorializing that it’s “broom clean.”
- Written by Jimmie Bachand
Why Take Milton, DE Mortgage “APR”s with a Grain of Salt?
Shopping for the best Milton, DE mortgage rates was supposed to have been made easier by requiring lenders to advertise more than just their interest rates, but in practice, the result doesn’t always work as well as intended. What it does do 100% of the time is to put consumers on notice that the cost of borrowing is not a simple matter.
Finding the best deal takes a little figuring.
If you’ve ever shopped mortgages, you know that you’ll see both the advertised “interest rates” and an “Annual Percentage Rate.” The APR is usually higher because it incorporates the additional loan charges and fees not shown in the nominal interest rate. The 1968 Truth in Lending Act required that the APR be included—and it would seem to be a fairer way to compare loans. If one lender requires you to pay 2% of the loan amount up-front, while another doesn’t, even if the latter has a slightly higher basic interest rate that might be more of a bargain. So going by the APR rather than just the nominal interest rate makes for a truer comparison, right?
But just as “all that glitters is not gold,” all consumer protection doesn’t necessarily work as planned. For one thing, not all APR calculations include the same costs. As thebalance.com points out, lenders have wiggle room. “Credit report fees, appraisal fees, and inspection fees may not be part of a given APR quote.”
Even more significant, APR calculations assume that a loan will be paid off over the full term of the loan. It spreads the other-than-interest costs equally over that term. For a standard 30-year Milton, DE mortgage that is paid off according to that plan, the APR is one thing. But if the median duration of homeownership in the U.S. is 13.3 years (probably an overstatement)—then a more likely APR would be significantly higher. Ditto for borrowers who refinance, because they pay off the original Milton, DE mortgage well short of the original term.
- Written by Jimmie Bachand
Milton, DE Homeowners Avoid Golf-Home Development Woes
The game of golf remains a leading participation sport across Milton, DE—but over the past decade, its growth as an industry has rolled into a hazard. According to a sobering report in The Wall Street Journal, some unanticipated demographic factors have combined with legal problems to drive some golf-home property values out of bounds. Even Golf Operator Magazine calls golf’s decline “a perfect storm.” As a result, it’s fair to say that Milton, DE golfing enthusiasts who resisted the allure of some golf course community developments now have reason to celebrate their forbearance.
You didn’t have to have been a top-notch golfer to have appreciated the promise of life along the links. Especially in the 1980s and ‘90s, developers flooded the market with resort-like golf-course developments. There are 3,800 private clubs in the U.S.—a quarter of them built after 1970. Even non-golfers could appreciate the appeal of living near the wide-open green spaces of a beautifully kept private course—not to mention the anticipation of property value growth as the newly planted links matured into ever more desirable golf destinations.
Problems began to develop a few years back, as younger Americans failed to match their elders’ enthusiasm for the game. The National Golf Foundation counts 23.8 million active players, down from a 2001 peak of 30 million. The repercussions are many, but the dramatic falloff in revenue has caused the closure of 1,000 courses—with dire consequences for the real estate developments associated with them. For courses that continue to operate despite lower participation rates, homeowners’ association member fees can skyrocket (from $5,000 to $24,000 annually in one example). This can cause home sellers to find few buyers at any price—especially among younger people who are not interested in golf. Lawsuits have resulted—further weighing on property values. And when a course is shuttered, dried-up fairways and deserted clubhouses are scarcely an attraction.
- Written by Jimmie Bachand
Moving into a New Milton, DE House Calls for Some “Warming”
It could hardly be a greater occasion—the move into a new Milton, DE house! Marking the moment in some unique way must be some sort of universal compulsion. It certainly stretches far beyond our shores (and back in time thousands of years).
Some Milton, DE new house owners mark the occasion by throwing a housewarming party—a tradition rooted in the days when every able-bodied villager would have been a ready volunteer in the dwelling’s construction. The proud new householder would be expected to host a celebratory feast in appreciation to their neighbors.
Today’s typical new homeowners are vastly more likely to be new arrivals to the neighborhood, so the warming of a new Milton, DE house is likely to be a considerably less crowded affair. Even now, though, after spotting moving van activity, some of the neighbors may stop by to introduce themselves. They’re likely to echo the past, bearing a housewarming gift as a welcoming gesture.
Today, that’s often a tin of cookies or a home-baked pie—but for a few of the more tradition-minded, it might be one of the ancient ones from a far-flung corner of the globe. If you are planning on moving into a new Milton, DE home anytime soon, don’t be surprised if you’re on the receiving end of one of these time-honored housewarming gifts:
· Bread and salt. From Russia, when the first items brought into the home are a loaf of bread (banishing hunger) and salt (bringing wealth and hospitality), an abundant future is guaranteed.
· Holy thread. In Thailand, tying a piece of thread around the wrists of family members assures good luck.
· Burning sage. Native Americans cleared out negative energy by lighting dried sage and directing the smoke throughout the house. To be most effective, turn off all the electronics (if the cable isn’t hooked up yet, that should be easy!)
· Boiled milk and rice. From India, this is the easy one: boil milk and rice in a pot until it overflows to guarantee purity and long life. (The harder version: bring a cow inside).
Around the globe, there are literally dozens of other luck-attracting gifts—but of those, the most widespread one is probably the simplest:
· A candle. Light it on the first night to ward off evil spirits or (with green candles) to court prosperity. Universally, you should allow it to burn all the way down. This (or lighting the fireplace on the first night) is likely the literal origin of the warming in housewarming.
- Written by Jimmie Bachand