Finding the right salesThe first step to finding the best yard sale deals is to find the right yard sales. Sure, it can be fun to aimlessly drive around your area Saturday and Sunday morning looking out for yard sale signs, but there are smarter ways to use your time.
- Craigslist. Many people post announcements on Craigslist when they're going to have a yard sale. They'll often specify a date, time, and the type of things that will be for sale. If someone says "MASSIVE multi-family moving sale" you can be pretty sure there will be lots of good stuff there.
- Facebook. Search Facebook for local community pages for your town or city. Oftentimes people make pages for buying and selling in their area, or just to have heated debates about local happenings. Sometimes, however, people post about their upcoming yard sales.
- Local news. If your local newspaper has a classifieds section they might advertise yard sales as well.
Making your shopping listWhen you go to a yard sale you should be prepared in terms of what you're looking for. You want to avoid making impulsive buys on things you don't need, but you also can't expect to find the exact color and model of vacuum cleaner that's on your Amazon wish list. Think of some things you'd like to look for and determine whether getting them at a yard sale makes sense. Plan your transportation accordingly. If you're looking for big items, make sure you bring a truck or SUV that can fit what you're looking for. Bring bungee cords, rope, a tarp, and whatever else you think you might need. Then head out to the sales.
When you find that must-have itemSo you've found the exact vacuum cleaner you were looking for AND it's in great shape. It has a tag on it for $30 and the proprietor of the yard sale is going on about what a great vacuum cleaner it is. Before you start throwing money at them, consider these tips:
- Research. With a smartphone in your pocket, you basically have instant access to valuing any object. While you browse other items, pop open your phone to read reviews, check used prices, and see if it's a deal that makes sense.
- Be friendly. Sure, yard sales are all about making a quick buck, but neighborhoods are about community. Don't be afraid to share some small talk with the proprietors of the yard sale. It might pay off in the end.
- Negotiate. There are general rules of negotiation that have been proven to get you better deals. Your first offer should be lower than what you're willing to pay. For example, if the vacuum is $30 and you're ready to pay $25, offer the salesperson $20.
Homeowner’s insurance allows you to have financial protection if your home or the contents of your home have been damaged. If you or your family member are held legally responsible for injuries that have occurred on your property, you are also protected. Insurance is generally required by most mortgage lenders in order to secure a loan.
There are many different types of insurance policies that you can use to cover your home. You can get anything ranging from a basic insurance policy that just covers your home overall or you can go for broader protection for your home. The types of coverage that you can get will vary from state to state.
Most insurance policies will cover damage caused by fire, wind, lightning, theft, or vandalism. Floods and earthquakes typically require additional coverage, so if you live in an area that is susceptible to these issues, then you should inquire about additional coverage.
The Standard Policy
Most insurance policies include certain basic coverages like dwelling coverage which is the allowance for you to either repair or rebuild your home. This includes the electrical systems, the plumbing systems, and the HVAC systems. You need enough coverage for your home in order to rebuild in the event that such an event would cause a need for it. Your insurance agent can help you to find a comfortable number that will allow you enough coverage for rebuilding.
Standard coverage also may include “other structures” which can include fences, garages, cottages, and sheds. You’ll also be covered for your personal property which includes clothing, furniture, and electronics that may be damaged in your home due to theft or disaster.
Loss Of Use Coverage
This type of coverage will pay for your living expenses if you need to move out of your home while it’s being rebuilt or restored. This would allow you to find alternative arrangements when you need it most, so it’s an important aspect of home insurance coverage.
This coverage is one of the most important aspects of purchasing home insurance. Having liability will help to protect your assets and cover defense costs in the event that you have been held liable for causing and injury to other people or property.
Additional Coverage Options
There are many different types of additional coverages that you can add to your homeowners insurance policy to help you get the right umbrella of coverage for you.
DiagnosisBefore you start buying new routers or range extenders, you should first get an idea of what your average download speed currently is. There are many free websites out there that can tell you this information, but speedtest.net is one of the veterans in the field that is user-friendly and widely trusted as one of the best. Run the test at different times of the day. See how it's affected by someone else streaming videos on a another device. This will all help provide insight into the issue you're having. If you notice a problem only at certain times of the day, the problem might not be your modem or router, but rather that your internet provider is oversubscribing and getting backed up during internet rush hours. It's also a good idea to change the password on your Wi-Fi network in case you have a neighbor that you're providing free internet too.
Update your hardwareIf you're paying $60+ per month on high speed internet but can't ever stream videos there's a problem. Many people assume that paying more for internet automatically means they'll get faster download speeds. If you're using an outdated router, however, it won't matter how much you pay monthly, you're still going to see slow speeds. Check out some of the latest model routers on Amazon or at Best Buy and read the customer reviews. You won't want to buy any routers that are more than a couple years old as Wi-Fi technology progresses somewhat rapidly.
Tweak your routerIf you recently purchased a brand new router but aren't getting the results you expected, maybe you need to make some changes to the router itself. Try setting the antennas vertically and placing the router on top of a cabinet in your house for better signal reception. Alternatively, you could look into replacing the antennas on your router for ones that will emit a stronger signal.
Expand your signalIf you live in a large house or often use devices in the basement, far away from your router, you might consider buying a wireless range extender. Extenders come in various shapes and sizes. Some are tiny adapters that stick out of your power outlet, others look just like routers, and others work as a system of small routers that you place around your home to provide blanket internet coverage.
Pretend you're in ITThere might be some changes you can make to your router that will make a huge difference in internet speeds. Sometimes that means updating the firmware of your router, other times it means switching the channel your router is broadcasting on to avoid interference with other routers or wireless systems. To make these internal changes, type in the IP address (usually located somewhere on the bottom or back of your router) into your browser and type in your username and password, then follow instructions for your specific router.
Buying a home is a decision that could have a major impact on your life for the next five to ten years (if not longer). That's why it's extremely important to know your requirements and what you need to be happy.
If you're in the process of looking for a house to buy, it pays to do an analysis of your financial resources, your goals, and your desired lifestyle.
For example, if expanding your family is part of your five-year-plan, you'll want to make sure the home you buy has enough bedrooms, play areas, and safety features to meet your future needs. The broad category of "safety features" could cover everything from the neighborhood crime rate to the amount of road traffic the street is subject to. Proximity to emergency services is also among the many things to consider when shopping for a new home.
Choosing an experienced real estate agent to help you navigate the many challenges of house hunting will increase the probability that the property you choose will be a good fit for your needs. A bank loan officer or mortgage broker can assist you in determining the type of mortgage you can afford and be approved for.
Other than affordability, sufficient space, and safety considerations, here are a few other items to keep in mind as you shop for your next home.
- Commuting distance: Finding the ideal house that is located less than a half an hour from your business or place of employment can be difficult. That challenge becomes even greater if both you and your partner commute to work every day.
- Number of bathrooms: Some homes only have one bathroom, which can quickly become a source of conflict and frustration in growing families. Making sure your home has enough bathrooms to meet your current and future needs is a key priority for all house hunters.
- Miscellaneous requirements: Depending on your lifestyle and other factors, your home-buying priority list could include everything from a two-car garage and basement to a backyard patio and deck. If privacy is high on your must-have list, features like fencing, privacy hedges, and sufficient space between neighbors will also be important. Other items to consider may include a fireplace, space for a home office, and an eat-in kitchen.