Real Estate Guide Real Estate Guide Copyright by en Mon, 04 Jul 2022 18:23:44 -0400 Debt Service Coverage Ratio: How to Calculate It and What it Means for Your Business Free photos of Finance

Business owners need to be aware of their Debt Service Coverage Ratio (DSCR). This is a key metric that tells you whether or not your business can afford to pay its debts.

In this article, we will explain what the DSCR meaning real estate, how to calculate it, and what it means for your business. We will also provide several examples so that you can see how the DSCR is used in real-world scenarios.

What Is Debt Service Coverage Ratio?

Learning more about Debt Service Coverage Ratio (DSCR) means understanding that it is a financial ratio that measures a company's ability to repay its debts. The ratio is calculated by dividing a company's net operating income by its total debt payments.

The DSCR is an important metric for lenders because it provides insight into a company's ability to service its debt. A high DSCR indicates that a company has plenty of cash flow to cover its debt payments, while a low DSCR indicates that a company may struggle to make its debt payments on time.

How To Calculate The Debt Service Coverage Ratio

There are two ways when you calculate Debt Service Coverage Ratio: the cash flow method and the earnings method.

The cash flow method is the more commonly used method because it provides a more accurate picture of a company's ability to repay its debt obligations. To calculate the cash flow DSCR, you will need to know a company's annual cash flow and its total debt obligations.

You will also need to know three things:

  1. The amount of money your company brings in each month (revenue),
  2. The amount of money your company spends each month (expenses), and
  3. The amount of debt your company has to pay each month (debt payments).

The cash flow Debt Coverage Ratio is calculated by dividing a company's net operating income by its total debt payments. The net operating income is the amount of money a company has left over after all expenses have been paid.

Once you have this information, you can calculate the Debt Service Coverage Ratio by dividing the monthly revenue by the monthly debt payments. For example, if a company has monthly revenue of $100,000 and monthly debt payments of $50,000, the Debt Service Coverage Ratio would be 100% ($100,000/$50,000).

What You Need to Know About Loan Cover Ratio

Lenders will also look at your company's ability to repay its debt obligations in relation to the value of the collateral you're using to secure the loan.

This is known as the Loan Cover Ratio. The Loan Cover Ratio is calculated by dividing the value of your collateral by the amount of your outstanding loan balance.

For example, if you have a $100,000 loan with an outstanding balance of $50,000 and you're using $200,000 worth of collateral to secure the loan, your Loan Cover Ratio would be 200% ($200,000/$50,000).

A high Loan Cover Ratio is a good thing because it shows that you have plenty of collateral to cover your outstanding loan balance.

Conversely, a low Loan Cover Ratio is not a good thing because it may indicate that you don't have enough collateral to cover your outstanding loan balance and that you may default on your loan payments.

As such, it's important to maintain a high Loan Cover Ratio so that you can access the capital you need to grow your business.

There are a few things you can do to improve your Loan Cover Ratio.

  1. First, you can increase the value of your collateral by investing in more expensive equipment or by taking out a second mortgage on your property. You can learn more about it at the Mortgage Shop.
  2. Second, you can reduce the amount of your outstanding loan balance by paying off some of your debt or by refinancing your loans.

Both of these options will improve your Loan Cover Ratio and make it easier for you to get the financing you need to grow your business.

What Does Debt Service Coverage Ratio Mean for Your Business?

Now that you know what the Debt Service Coverage Ratio is and how to calculate it, let's take a look at what it means for your business.

Essentially, the Debt Service Coverage Ratio is a way for lenders to assess your company's ability to repay its debt obligations.

If you have a high DSCR, it means that you have plenty of cash flow to cover your debt payments. This is a good thing because it shows that you're a responsible borrower and that you're capable of repaying your debts on time.

Conversely, if you have a low DSCR, it means that you may struggle to make your debt payments on time. This is not a good thing because it shows that you're not a responsible borrower and that you may default on your loan payments.

As such, it's important to maintain a high Debt Service Coverage Ratio so that you can access the capital you need to grow your business.

There are a few things you can do to improve your Debt Service Coverage Ratio.

  • Increase your cash flow by generating more revenue or by reducing your expenses.
  • Reduce your debt obligations by paying off some of your debts or by refinancing your loans.

Both of these options will improve your Debt Service Coverage Ratio and make it easier for you to get the financing you need to grow your business.

The Importance of Term Debt Coverage Ratio

While the Debt Service Coverage Ratio is an important metric for lenders, it's not the only one. Lenders will also look at your company's ability to repay its debt obligations over the long term.

This is where the Term Debt Coverage Ratio formula comes in. The Term Debt Coverage Ratio is similar to the Debt Service Coverage Ratio, but it looks at a company's ability to repay its debt obligations over a period of time (usually five years).

To calculate the Term Debt Coverage Ratio, you will need to know three things:

  • the amount of money your company brings in each year (revenue),
  • the amount of money your company spends each year (expenses), and
  • the amount of debt your company has to pay each year (debt payments).

Once you have this information, you can calculate the Term Debt Coverage Ratio by dividing the annual revenue by the annual debt payments.

For example, if a company has annual revenue of $100,000 and annual debt payments of $50,000, the Term Debt Coverage Ratio would be 100% ($100,000/$50,000).

Just like with the Debt Service Coverage Ratio, a high Term Debt Coverage Ratio is a good thing because it shows that you're a responsible borrower and that you're capable of repaying your debts on time.

Conversely, a low Term Debt Coverage Ratio is not a good thing because it may indicate that you're not a responsible borrower and that you may default on your loan payments.

As such, it's important to maintain a high Term Debt Coverage Ratio so that you can access the capital you need to grow your business.

The Bottomline

In conclusion, the Debt Service Coverage Ratio is a very important metric that all business owners should be aware of. It is used by lenders to assess a company's ability to repay its debt obligations and can have a major impact on a company's ability to get financing.

Learning how to calculate the DSCR means you will be ahead of most business owners. However, it is also important to understand the importance of maintaining a high Debt Service Coverage Ratio and to know what you can do to improve your Loan Cover Ratio.

By understanding these things, you will be in a much better position to get the financing you need to grow your business. You can also check our website for other articles related to Debt Service Coverage Ratio.

Guide Editor Thu, 23 Jun 2022 08:17:56 -0400
How to Invest $250k and Generate a Solid Return

Saving up to $250,000 for investment purposes is a milestone achievement. It's pure proof that you're on the right track to a life full of riches. Sadly, you still have a long way to go, and a wrong turn can leave you worse than before.

So now that you've decided to invest such a big amount, you'll need to devise a concrete investment plan that'll yield profits in the long term.

Here, we'll look into some of the best investment plans and some major tips on how to invest $250k. Before we continue, it's best you know that before making any investment, especially with such a large amount; you'll need to factor in your risk tolerance and capacity. Reflecting on these factors is important and the bedrock of any successful investment.

For more in-depth into the different ways on how to invest your $250k, visit

How to Invest $250k and Generate a Solid Return

As the popular saying goes, "Never put all your eggs in a single basket." It's not advisable to invest your entire money in a single venture. Spread the investment out; not only is it risk contingent, but it also gives room for exposure and helps you develop different experiences that can aid financial growth.

Here are some of the various ways you can invest $250k.

●     Invest in Real Estate

If you're searching for the best way to invest 200k for passive income, real estate is your best bet. There are different aspects of real estate investing to choose from, and you can select the one that suits your goals.

You can choose to buy a property in an "up and coming" city, and as the city gains prominence, so does your property and investment. $250k won't get you a decent property in any of the mega cities like Los Angeles or Miami. But with good research, you can find cities with good prospects and invest early.

Also, you can buy properties in areas populated by students or young professionals and rent them out. Their monthly rent payment can serve as payment for your mortgage and serve as a source of passive income.

If you don't want to involve yourself in the hassles of being a landlord, you can register with professional real estate platforms like Real Estate Investment Trusts (REITs). You can also opt for real estate syndication, a passive way of making real money in real estate.

Lastly, real estate isn't the fastest way to turn a 250k investment into millions. It's a slow, steady process, and with adequate time, you'll surely be rewarded. So if you're looking for how to invest 200k for monthly income, or how to invest 200k in property, go into real estate.

●     Invest in Stocks

Stocks and bonds are probably the most common forms of investment. They are the bases of most tax-advantaged retirement plans like SEP IRA, Solo 401(k), and 401(k). 

However, if you're looking for long-term wealth, you'll have to expand your thinking beyond tax-advantaged retirement plans. For starters, you can try learning stocks trading.

Though people like to speak about the complexity of trading stocks, your success is mostly determined by how well you do your homework. Thoroughly research a business before buying their stocks and if all this sounds like something you don't have time for, consider using a brokerage account.

Sadly, when you use brokerage accounts, you won't be getting the tax advantages that are common with retirement plans. But there are other benefits of using a brokerage that’ll entice you.

For example, you can invest in a wide variety of stocks and even ETFs. Also, brokerage accounts offer more liquidity.

Lastly, retirement plans have penalties for any withdrawal made before the retirement age, but with brokerage accounts, you can withdraw whenever you like, without worrying about any penalty.

However, you'll have to consider capital gains taxes when you're doing this. If you're looking for how to invest 250k without much stress, stocks and bonds are perfect for you.

●     Invest in Cryptocurrency

Some years back, the concept of cryptocurrency was very vague, and many believed it was one of those scam programs that'll only last a short while.

Fast forward to 2022, and most of the world's major industries are now finding ways to incorporate cryptocurrency into their system. But can you blame them? The cryptocurrency market industry hit an all-time high of $2.43 trillion in 2021. Everybody wants a piece of that large cake and you're not exempted from having a share.

Coins like Bitcoin, Ethereum, and Solana are seeing solid growth yearly. The price of one Bitcoin was $13,737.03 in November 2020, and it hit an all-time high of $69,045.00 in November 2021. That's roughly a 500% increase in less than a year.

You can buy these solid coins and hold them for a long time; their prices might increase and bring profit. All you need is a good cryptocurrency platform that allows you to buy and sell coins, register with them, and you're set to go.

However, it's good you know that while cryptocurrency might be an answer to how to turn $250k into $1 million in the short term, it isn't necessarily the best option.

The cryptocurrency market is insanely volatile. It's a very risky investment, and you might lose everything you have. In May 2022, the UST/Luna crash cost investors a combined $40 billion. Cryptocurrency might be the best way to invest 200k short-term, but you could lose everything in an hour.

Other Ways to Invest $250k

If you didn't find what you were looking for in the above list, here are some other investment opportunities you could try:

  • You could buy a business and build it into something that'll give you long-term passive income
  • You could invest in gold. It's one of the safest forms of investment, and since most investors usually turn to it when the economy is down, you might be able to make money off it.
  • If you own a business or are self-employed, you could try to invest in a solo 401(k). It comes with tax advantages and has features not common in the 401(k)

Free Gold Bars Stock Photo

The Bottom Line

If you've made it to the stage where you want to invest $250k, you have every right to be proud of yourself; you've done well.

However, there's more work to be done, and you'll have to invest properly so you don't lose your money.

We've briefed you on how to invest 250k in different financial sectors. You can invest in real estate, or you could buy stocks, a business, or cryptocurrency. Whichever one you choose, always factor in your life goals, age, and risk tolerance before you make a decision.

Guide Editor Thu, 23 Jun 2022 08:16:11 -0400
How to Prevent Mosquitoes From Breeding Around Your Home When the weather begins to warm up and homeowners yearn to spend some time outdoors, uninvited guests tend to show up and bring all their friends and family. Not your neighbors from down the street – mosquitoes. They move in on your property and find the perfect place to breed, making many homeowners’ properties almost unusable.

With the potential for those flying, blood-sucking pests to carry illnesses and diseases like yellow fever, West Nile, and Zika viruses, they are more than just a nuisance. Many homeowners and their family members are especially sensitive or allergic to their saliva resulting in more than just an itchy bug bite, but massive welts or blisters.

Mosquitoes can lay up to 3000 eggs in their limited lifetimes, which is only a couple of weeks, and hatch in just 48 hours - maturing in only 14 days. Prevention of mosquito breeding grounds is the most effective method of creating and maintaining a backyard sanctuary that homeowners can actually enjoy throughout the summer months.

This leaves homeowners scrambling for solutions on how to prevent mosquitoes from breeding around their homes and property.

Tidy Up the Lawn

Those leaf piles that accumulated last fall – many property owners have them. The junk and rubbish in the yard that every homeowner means to get rid of but just didn’t find the time to collect water and provide the perfect mosquito breeding area. Schedule a day (or two) to tidy up the property and rid your yard of any debris.

Trim tall grasses and any overgrowth to eliminate hiding spots for mosquitoes to grow their population. Keep an eye on those areas and maintain them throughout the warmer months to keep the property safe and sound for family, pets, and guests.

Eliminate Standing Water

Flowerpots, birdbaths, and water features can add stunning ambiance to any property but can also be a breeding ground for mosquitoes if the water becomes stagnant. Take a walk around the property after each rain, and inspect for (and dump out) any standing water. Use a pump to keep water flowing in fountains and birdbaths, or change out the water frequently.

Water can also become trapped in areas that aren’t as visible including in gutters, downspouts, dips in the lawn, and large rainwater collection barrels. Keep your rain collection barrels covered to avoid mosquito breeding areas and fill in any holes in the lawn.

If the gutter system is retaining water, it may be time to have a gutter cleaning company remove any debris, partial clogs, or fix any damage that collects water –  instead of guiding it away from the home.

Treat the Property – DIY Style

There are a multitude of mosquito-killing treatments homeowners can purchase at their local home improvement store including sprays and seed-like treatments. Common DIY spray treatments come in easy-to-use bottles that attach directly to a common garden hose while spreading “mosquito bits” may require a handheld or walk-behind seed spreader.

Bring on Reinforcements

If the mosquito problem is out of control and homeowners aren’t equipped to handle it alone, consider hiring a professional pest control specialist to help. The pros use EPA-approved (Environmental Protection Agency) chemical sprays to eliminate adult mosquitoes during their active times in the morning and at dusk. This keeps them from populating and ensures that the treatments are safe for humans, pets, and surrounding wildlife.

Barrier treatments attack mosquitoes while they are resting – usually during the hotter daylight hours. Depending on the specific treatment, weather, and environment, barrier treatments can offer between 7 and 21 days of protection.

Keep in mind that a one-time treatment may not be enough to enjoy your backyard oasis and it may be beneficial to hire help on a maintenance contract to spray as needed throughout the mosquito breeding season.

Guide Editor Wed, 22 Jun 2022 23:22:34 -0400
How Much to Relocate to a New Home?

There are various reasons people choose to relocate to a new home quickly. For some, it could be for a promotion that requires them to be in a different city. Those folks might be pinched for time and frantically start googling 'sell my home fast' to accelerate the moving process.

When needing to relocate to a new home, it begs the question: how much will it all cost to do so?

If you're relocating to a new home, check out the breakdown of costs of doing so and ensure you're prepared for when you end up in your new home elsewhere!

Depends on Distance

As a rule of thumb, you can assume that the further away you need to relocate will be more expensive. However, certain variables can either reduce or increase the cost. If your vehicle (like a truck) can carry everything you have, you can always drive yourself to your new home with your stuff, and your only concern would mainly be gas. The cost of gas will most likely be dictated by how far you will need to drive from your former house and how many trips you would need to retrieve additional stuff leftover.

For the most part, people generally rent a moving truck for big moves like this. In which case, there are more expenses to consider associated with it. To get a truck rental, you need to pay a deposit that can cost as high as $150, with the rental itself being approximately $500-$1,700 for a long-distance move. Typically, local moves are less expensive, sitting between $132-$336. They factor in cost per mile, which naturally includes charging for fuel costs. You can expect to pay between $400-$600 in fuel costs for long distances.

Other options for long distance moves have been using moving pods. What are they exactly? Moving pods are storage containers that you can fill with all your stuff, and the company will send it to your new home and save you the trouble of driving. Even though you need to pack things yourself, it's considered a fairly cost-effective alternative, especially if you're relocating far. The cost can fluctuate since it considers the size and number of containers you will need, for how long, and of course - how far you will be moving. The container cost typically ranges between $1,500-$5,00, with moving coverage being around $35-$475.

However, if you're relocating beyond your border into a different country, there is no avoiding that it will be expensive. International moving costs will have you potentially paying over $10,000. In this case, it's important to budget even more carefully if this is the case for you.

Moving Insurance

Did you know moving insurance exists? If you didn't know that, it would be in your best interest to consider finding a form of insurance that can cover any potential losses, theft, or damage to your possessions during your move.

During moves, it's not uncommon sometimes to lose or damage things even if you're travelling short distances, much less long distances. If you have high-value items or sentimental possessions, it's worth looking into insurance to ensure they're secured and can be reimbursed if anything occurs to them. However, when looking into insurance for moving, it's important to review their policy to understand what they cover so you're not met with surprises and have to pay out of pocket.

Yet, you may be asking yourself, "How much is the cost of moving insurance?" Typically, the cost will be based on the value of your stuff and the type of coverage you end up choosing. If you're getting coverage from your mover, you can expect it to be free since it's already factored in the cost of your moving agreement. But if you're going through a third party for insurance, you can expect the cost would be between $180 and $900 for coverage.

Time of Year

When relocating to a new home, you don't always have the option to choose what time of the year to move. However, it's important to understand that whatever month you need to move can influence the cost of your overall move. Interestingly enough, winter is a reasonable time to move since it's inexpensive. The reason is that it's a fairly busy time of the year for most people, but notably, to avoid moving in snowy weather. Therefore, there is less demand and less expensive.

 However, if you're not keen on moving during colder months, some months are known to be less expensive and can save you money on moving costs. From late September to April, you can expect to find affordable costs for your move. But if you have to relocate during the summer, it will be more expensive since moving companies are in high demand because most people prefer moving during the warmer months.

Packing & Moving Labour

If you're taking it upon yourself to pack everything and move them, you can expect to pay less. However, the labour can be tiresome and stressful since it can take up so much of your time. You can pay for movers to pack and move your stuff without lifting a finger - which will cost you. You can expect the packing service to cost between $500–$4,000. This huge gap in packing service pricing is because of factors like how much stuff you have that can impact your final price.

Having to relocate to a new home can be exciting. However, it can be rather costly. However, breaking down what you need to consider before you relocate allows you to budget effectively and make the transition to your new home smooth and easy!

Guide Editor Sat, 04 Jun 2022 23:03:21 -0400
Do I Need A Mortgage Broker? What Is A Mortgage Broker?

If you are thinking about buying your first home, you have probably stated looking into different mortgages. The options can easily be overwhelming and more and more questions start to arise during the process. How much can I borrow? How much deposit do I need? Which bank offers the best interest rates?  This is why many people in that situation consider hiring a mortgage broker. A professional mortgage broker like the specialists from Newbridge Home Loans  helps you find the right home loan for your individual situation, takes care of the paper work and holds your hand during the entire process. Being experts in the market they gather information about your specific circumstances and the suggests lenders that match your needs. After that, your mortgage broker will help you with the application process to make sure you will get pre approved as quick as possible.

What Exactly Does A Mortgage Broker Do?

Basically, a mortgage broker can be seen as a middle man between you and the bank. Whether you need to refinance a home loan  or  you are looking for a quick pre approval or you home loan It is their job to take a close look at you financials to then get an impression of your overall creditworthiness and borrowing capacity. This enables them to find the right loan for you. The next step is to walk you through the different options you have and explain the pros and cons of every single one. Usually, a mortgage broker works together with many different financial institutions, however, they might not work with all available lenders so that is something to keep in mind.

What Are Advantages And Disadvantages Of Hiring A Mortgage Bro

If you are not familiar with finances and  the process of buying a home, it could definitely be beneficial for you to hire a mortgage broker to avoid confusion and save money by making the best possible deal. For example, if you are a contractor or self-employed, home loan applications can likely get complicated so it would be advantageous to have a professional by your side who can help you.

When choosing your mortgage broker, it is important to check whether the broker you want to hire has the required experience and expertise to take on your case. Their selection of lenders might be limited, which is why it is not guaranteed that you will get the best option on the market as education and qualification levels vary between different brokers. Additionally, dealing with a mortgage broker and waiting for them to communicate with the lender might be more time consuming than dealing with the banks yourself.

What Should I Ask My Mortgage Broker?

There are a few questions you should ask your mortgage broker to make sure you are choosing the right person. One thing you should check is definitely whether they are licensed to provide the services they offer you. That can either be done by asking the broker in person or doing an online research.

Another question you should ask is the number of lenders they are deal with. In the case, the more the better.

You should definitely check how much their fees and commissions are to see if it would be worth it for you or if you will end up spending even more money. While you do that, you should also double check what the borrowing cost will be.

Guide Editor Fri, 27 May 2022 00:17:20 -0400
Garages Aren't Just for Cars Anymore

Photo by Jaymantri from Pexels:

A garage space is always useful, whether that’s for one or more vehicles, or for another purpose. Some people find that they get more use out of a space by repurposing it, especially if they have somewhere else to park their car.

There are plenty of things you can do with a garage, so consider what is the best way to make the most of the space. If you can access it from the main living space, you might want to use it more like an extra room, whereas a garage that’s away from the house may be better used as a studio or workshop to take advantage of the potential to be noisy.

Whether you are going to dedicate your garage to one thing or make it a multi-functional space, your garage has plenty of potential


Even people that use their garage for their cars often fit some storage space around the side, but if you need room for larger items or more space for your stuff, then at least some of your garage is likely to be dedicated to storage. Sturdy shelving is ideal, with labelled bins for keeping similar items together and different zones for stashing tools, sports equipment, seasonal items, and anything else you want to store. 

Consider the things you use most frequently when arranging your storage so that you have easy access to the items that you need most. Many people use their garage as additional pantry space or a place for an additional fridge freezer, others use it for Christmas decorations or gaming gear.

Home Exercise Zone

Whether you are into weightlifting or yoga, a garage is often the ideal place to complete your exercise regimes. There’s space for large equipment such as an exercise bikeor running machine, and they’re designed to house cars, so the floors are sturdy enough for the heaviest weights or high-impact activity.

You may simply need the floor space for yoga, aerobics, or dance routines, in which case a garage is an ideal space to stretch out and move freely. You can rack up miles on the treadmill, pump iron in peace or simply stretch in a soothing space.

Hobby Space

If you have a hobby that requires a lot of equipment or workspace, then a garage is the ideal place to set yourself up in. Whether you are a musician that wants to be able to practice without disturbing everyone else, or a potter who needs space for a kiln, using your garage to stop your hobby from encroaching on the rest of the house is a great way to maintain family harmony.

A garage is also a great place for messy projects and having a space that can be allowed to get dirty can make them all the more fun. From families with small children to keen crafters that need some space to let their creativity flow, a garage is the perfect spot.

Full Conversion

Depending on how your garage is configured, you may want to convert it into an additional room. Some of the most popular choices are:

  • Shower room
  • Home cinema
  • Home office
  • Game room
  • Recording studio
  • Bedroom

If you want more room for your favorite pastimes, then converting a garage can be a cost-effective and practical way to make the most of the space available to you. Whether you are expanding your family, setting yourself up in business, or starting a band, you can make your garage space into whatever you need it to be.

It’s important to check that you don’t need a permit to complete any work you have planned on your garage, as you may need to add insulation, soundproofing, extra power, or replace an overhead door. With a little research and planning, you can give your garage a new purpose or a whole new lease of life.

Guide Editor Thu, 26 May 2022 10:46:06 -0400
How to find the perfect luxury home in LA for you If you're in the market for a luxury home, Los Angeles is the place to be. With its endless beaches, celebrity-filled neighborhoods, and year-round sunshine, LA is the ultimate paradise for luxury seekers. But finding the perfect home can be a daunting task. So how do you go about it?

Here are four tips to help you find the perfect luxury home in LA for you:

  1. Know what you want
  2. Research neighborhoods that fit your lifestyle
  3. Scout out luxury homes in those areas
  4. Tour the homes and make a list of your favorites

With these guidelines in mind, you'll be well on your way to finding your dream home in LA. Happy house hunting!

6 ways to find the best luxury home in LA for you

Let's dive in and discuss 6 ways to find the best luxury home in LA for you.

1. Know what you want

When it comes to luxury homes, it pays to know what you want. There are so many different options out there, from luxury apartments in New York City to luxury homes in Los Angeles, that it can be overwhelming to try and figure out which one is right for you. However, by narrowing down your focus and knowing exactly what you want, you can make the process much easier.

For instance, if you have your heart set on a luxury home in Los Angeles, then you can start by searching for luxury homes in that city. By doing this, you'll be able to quickly weed out any homes that don't meet your criteria, and you'll eventually find the perfect luxury home for you.

2. Research neighborhoods that fit your lifestyle

When you are looking for a luxury home in LA, it is important to find a neighborhood that fits your lifestyle. Look for neighborhoods with luxury homes that offer the amenities you want and need. If you enjoy the outdoors, look for neighborhoods with parks and green space. If you prefer a more urban environment, look for neighborhoods with shops and restaurants. You should also consider the commute to your work or school.

Choose a neighborhood that is close to public transportation or has good freeway access. By taking the time to research different neighborhoods, you can find the perfect luxury home in LA that fits your lifestyle.

3. Scout out luxury homes in those areas

There are a variety of luxury homes in LA, from modern mansions to sprawling estates. Whether you're looking for a luxury home in Beverly Hills or downtown LA, you're sure to find something that meets your needs. And if you're willing to scout out luxury homes in other areas, like Orange County or San Diego, you'll be able to find even more options. So if you're in the market for a luxury home, be sure to explore all the great options that Los Angeles has to offer.

4. Tour the homes and make a list of your favorites

There's no shortage of luxury homes in LA, but not all of them are created equal. That's why it's important to take the time to tour different homes and make a list of your favorites. This way, you can narrow down your options and find the perfect luxury home for you and your family. Some things to look for include spacious bedrooms, an open floor plan, and private outdoor space. Of course, amenities and location are also important factors to consider.

With so many luxury homes on the market, it can be tough to know where to start. But by taking the time to tour different homes and make a list of your favorites, you can find the perfect luxury home for you and your family.

5. Narrow down your choices and make an offer on the home you love

After an exhaustive search, you've finally found the perfect luxury home in LA. But with so many other luxury homes on the market, how can you be sure that this is the right one for you?

The best way to narrow down your choices is to take a close look at your budget and your priorities. Once you've identified your must-haves, you can start to eliminate properties that don't meet your needs. Then, it's time to make an offer. Remember, the perfect luxury home is out there waiting for you. With a little perseverance, you're sure to find it.

6. Move in and enjoy your luxurious new life

Moving into a luxury home in LA is an exciting experience. You'll enjoy all the amenities and features that your new home has to offer. From the beautiful architecture to the luxurious finishes, you'll be able to live the life you've always dreamed of. And with all the luxury homes in LA to choose from, you're sure to find the perfect one for you and your family. So don't wait any longer, move in and enjoy your luxurious new life today.


Now that you know how to find a luxury home in LA, it's time to get started. By following these tips, you'll be able to find the perfect home for you and your family. And with so many luxurious homes on the market, you're sure to find one that meets your needs. So don't wait any longer, start looking for your dream home today.

Guide Editor Thu, 19 May 2022 01:00:16 -0400
Estate Agents: How to Use Local SEO to Target Local Home Sellers It's no secret that the vast majority of home sellers start their search for an agent online. In fact, according to a recent study by the National Association of Realtors, 92% of home buyers use the internet during their search process.

With that in mind, it's more important than ever for agents to have a strong online presence. One of the best ways to do that is by using SEO (search engine optimization), more specifically local SEO, to target local home sellers.

What is Local SEO?

Local SEO is a method of optimizing your website and online content to target potential home sellers in your local area. It involves using relevant keywords, backlinks, and other tactics that help you rank higher on search engine results pages (SERPs) for local searches.

The idea is that if you owned an Estate Agency in York, when someone types in 'sell my house in york', your Estate Agency shows up in the search results.

Difference between Local SEO and traditional SEO

If you’re an Estate Agent, local SEO can be one of the most effective ways to target homeowners in your area. As opposed to traditional (or “organic”) search engine optimization, which is designed to increase traffic from any and all users who use Google or other search engines, local SEO targets searchers using specific keywords and phrases that are associated with a specific location.

Here are a few 8 tips on how to use SEO to target local home sellers:

  1. Optimize your website for local keywords

One of the best ways to optimize your site for local SEO is to include relevant local keywords throughout your content. When writing blog posts on your site, for example, try to include keywords that would be relevant to local home sellers, such as “real estate” or “houses for sale.” You can also add these keywords to your meta tags and page titles, as these are the primary factors that search engines use when determining where you should appear in search results.

  1. Utilize local directories and review sites

Another key element of effective local SEO is building up links from other websites that are relevant to your business. Some good options here include local directory sites like Yelp or Zillow, which will help boost your authority and reputation with Google. Additionally, you may also want to consider reaching out directly to homeowners in your area who are looking to sell their houses; many of these individuals will likely have blogs or other websites where they’re sharing information about their homes for sale, and if you can get a link from one of these sites, it can do wonders for your SEO.

  1. Create location-specific pages on your website

If you want to really target local homeowners with your SEO efforts, you should create separate pages on your site that are specifically designed for each location that you serve. These pages should include all of the relevant local keywords and phrases associated with that particular area, as well as information about why someone in that area would want to use your services. By creating these types of location-specific pages, you’ll be able to stand out in local search results and reach more of the homeowners who are looking for your services.

  1. Maintain an active social media presence on sites like Facebook and Twitter

In addition to optimizing your website, it’s also important to maintain an active social media presence if you want to rank well in local search results. This means regularly sharing content that is relevant to potential home sellers in your area, as well as interacting with users who may have questions or comments about real estate in general. In particular, having a strong following on Facebook can be particularly helpful when it comes to building up trust and credibility with Google, so make sure that you are consistently posting new content and engaging with other users on this platform.

  1. Use Google My Business to improve your visibility in search results

If you want to make sure that you’re appearing in local search results, one of the best things you can do is create a free listing on Google My Business. This service allows you to provide essential information about your business, such as your hours of operation, contact information, and location, which will then be displayed prominently whenever someone searches for estate agents in your area. Additionally, you can also use this platform to post updates and special offers that may be relevant to potential home sellers, so make sure that you take advantage of this powerful tool.

  1. Make sure your NAP (name, address, and phone number) information is consistent across all of your marketing materials

One of the most important things you can do to improve your SEO is to make sure that all of your NAP information is consistent across all of your marketing materials. This means having the same name, address, and phone number on all of your website pages, as well as in any print or online directories that you’re listed in. Having inconsistent NAP information will cause confusion for search engines, and may result in lower rankings for your site. So if you want to appear more prominently in local results, make sure to use the exact same NAP details everywhere!

  1. Audit your website regularly to identify and fix any broken links or redirects that may be harming your SEO

Another important factor that can affect your local search rankings is the quality of your site’s backlinks. This means checking to make sure that you don’t have any link-related problems on your pages, such as having broken links or redirects that are hurting your visibility in the search results. To do this, you can use a free tool like Screaming Frog or SEMrush’s Backlink Checker feature; these tools will help you quickly spot any technical issues with your site so that you can take steps to optimize it and improve its rankings overall.

  1. Track how well your local SEO efforts are performing with Google Analytics

Finally, it’s important to keep track of your local SEO progress over time so that you can see how well your efforts are paying off. The best way to do this is by setting up Google Analytics on your website and then monitoring your progress in the “Acquisition” section of the platform. Here, you’ll be able to see how much traffic you’re getting from organic search results, as well as which keywords and phrases people are using to find your site. This information will be invaluable as you continue to fine-tune your local SEO strategy and work towards improving your ranking in the search engines.

Is Local SEO good for generating leads?

According to HubSpot, leads from SEO have a 14.6% close rate, though this rate can be higher depending on the industry you are in. SEO is just one of the methods Estate Agents can use for generating leads, and ultimately it is down to you to decide whether to implement an SEO strategy.

Be sure to use SEO alongside other digital marketing methods such as social media and paid search to help generate leads for your estate agency.

That's it. By following these tips, you should be able to improve your local search rankings, drive more traffic to your site, and reach a wider audience of potential home sellers. With consistent effort and the right strategies in place, you’ll be well on your way to success

Guide Editor Thu, 12 May 2022 09:48:39 -0400
9 Thrilling Things to Do in Peachtree City, GA

Founded in 1952 by Joel Cowan, Peachtree City is the largest city in Fayette County with a population of 34,364 as of 2010. Renowned for its golf courses, it's unsurprising that golf carts are the primary means of transportation.

Extending to almost every part of the city, there are 140 kilometers of golf cart paths in Peachtree for easy access to the various parts of town.

Peachtree City has a unique suburban feel you'll love if you're looking to escape city noise. Interestingly, there's no shortage of things to do in Peachtree City even for families with kids.

From themed film tours to open-air concerts, to historical attractions for history lovers, there are lots of fun things to do in Peachtree City, GA. Whether you're looking to visit for a summer vacation or move here, you're guaranteed a memorable stay.

However, whether you're looking to do the latter, you might want to check these luxury homes in Georgia to find the best property at the best price.

On the fun side, the following are nine thrilling things to do in Peachtree City, GA.

Explore the Golf Cart Paths

The network of golf cart paths in the city was established two years after the city was founded and covers 90 percent of the city.

Your trip to Peachtree City can't be complete without a golf cart ride. There are golf cart parking spaces around the city and Peachtree's over 10,000 households each own a golf cart!

These golf cart paths are so unique and popular that they've become tourist attractions in their own right. Rent a golf cart and check this off your list of Peachtree City activities to do.

Enjoy the Southern Hollywood Film Tour

Peachtree City has earned itself a name as a Hollywood landmark. The Southern Hollywood Film Tour is a 2 hours tour that lets you explore the rich culture of Peachtree City.

Among the movie studios you'll see are Pinewood Atlanta Studios which shot Marvel movies like Guardians of the Galaxy and Spiderman. The suburban city is also the setting of several episodes of Raleigh Studios' The Walking Dead.

Lifetime also shot the film Drop Dead Diva in the city, and in Downtown Peachtree city, GA, the movie Fried Green Tomatoes was shot.

Go Back in Time at Commemorative Air Force Dixie Wing

Leaving the film addicts and moving to history lovers, Peachtree city is the site of the Commemorative Air Force Dixie Wing which has one of the largest collections of historic planes in the US.

The CAF Dixie Wing is a museum that houses vintage planes from World War 2 and the Korean War. You'll find historic artifacts on display such as:

  • Douglas SBD Dauntless
  • FG-ID Corsair
  • P-51 Mustang

These planes are super rare and the P-51 Mustang in the museum is one of three in existence.

Enjoy Live Music at Fred Brown Jr Amphitheater

Originally called Peachtree City Amphitheater, 'The Fred' was bought by the city in 1977 and has hosted several amazing music and theater performances.

In 2018 and 2019, Insite Atlanta Magazine named Fred Brown Jr Amphitheater as 'Best Music Venue'. The amphitheater has a 2500-seater open-air space, leaving you with a woodsy feeling during each performance.

Performers at The Fred in the past include Huey Lewis, Gladys Knight, the News, and Three Dog Night.

Fish in Lake Peachtree

It's no surprise that the namesake lake is one of Peachtree City GA attractions. Flat Creek was turned into a dam in 1952 to create Lake Peachtree, the first of Peachtree city's three lakes.

The lake is open to recreation and fishing. A second Lake Kedron was created to act as a reservoir, supplying Lake Peachtree during droughts. The newest, Lake McIntosh, is situated in Planterra.

Experience Thrills at Mastermind Escape Room

Escape rooms have become a trend in the United States, and in Peachtree City, Mastermind Escape Room is the place to get the thrill. With an Ocean Eleven meeting Money Heist bank heist, a zombie-themed room, and another that pits players against an evil sorceress; these escape rooms aren't for the faint-hearted.

You have 60 mins to scale through puzzles and codes so go with your wits and remember, each passing minute lessens your chance of escaping.

Make a Purchase at Peachtree City Farmers Market

Born from Tricia Stern's passionate desire for green produce, Peachtree City Farmers Market is a must-stop for a tourist.

Pulling in over 60 vendors on Wednesday and Saturday mornings, a visit to the market is a sure way of experiencing the local life of the city. Meet butchers who will fill your ears with stories from the abattoir; fresh produce sellers are never too far away to give health lectures about their produce.

Go for a Hike at the Line Creek Nature Area

Hiking is one of the popular things to do in Peachtree City and Line Creek Nature Area provides both lane and creek for this.

The park is a 70-acres public-protected preserve, lying between Wynns Pond and Lake McIntosh. The Line Creek to Lake Mac Trail is the longest trail, measuring 10.9 kilometers long.

The preserve has an upland hardwood forest for a refreshing hike through the woods, picnic tables, information kiosks, and a rock amphitheater.

Explore Music at Zac Brown's Southern Ground

Georgia loves country music and delving into the genre is the perfect way to bring a close to a memorable trip.

Explore the life of Billboard-charting country music band, Zac Brown Band. Southern Ground displays memorabilia from the band's career  writing process, Grammy-nominated songs, merchandise, etcetera.

Places to Visit Near Peachtree City, GA

●     Senoia

Take the Walking Dead Tour at Senoia and see iconic sets from the show like Alexandria, Sanctuary, and The Hills. At Senoia Bicycle, you can also join the good-natured folks on a bike ride.

●     Jonesboro

The Road To Tara Museum showcases costumes, manuscripts, and other unique collections from Margaret Mitchell's Gone With The Wind. There are also Civil War exhibits and paraphernalia.


A trip to Atlanta — the Capital of the South — should include a rendezvous at Peachtree city.  Complete with stunning landmarks, picturesque nature preserves, and its infamous golf cart paths, picking a choice among the host of things to do near Peachtree City might just be the problem.

Guide Editor Thu, 12 May 2022 00:10:34 -0400
Should I Use a Mortgage Broker?

Mortgage brokers are third-party intermediaries who help facilitate finding a mortgage by connecting buyers and sellers. They act as a liaison between the buyer and the mortgage lender and can help with the underwriting process, processing applications, and ensuring the mortgage application is complete before it is presented to a lender. A mortgage broker can be helpful to a buyer who is looking for a more specialized lender and can also be a red flag if every bank has rejected your mortgage application. It's important to consider your financial situation and the type of mortgage you want before looking for a mortgage broker. Here are some things to keep in mind when considering a mortgage broker.

What Experience Do They Have?

Before hiring a mortgage broker, you should ensure they have experience with the type of mortgage you want. Also, it is important to find out how long they have been in business and who their clients are.

How Much Does a Broker Charge?

A broker's fees can vary depending on the type of mortgage and the amount of work required. Your mortgage's prices and other costs will be stated in your home's contract you sign.

How Much of Mortgage Can they Handle?

Before hiring a mortgage broker, an important question is how much of a mortgage loan can they handle. For example, if you are looking for a $400,000 mortgage, you want to make sure the broker you hire has enough experience and resources to work with a lender that has that type of mortgage amount available.

What Fees Associated with the Broker?

If you consider hiring a broker, it is important to know what fees they will charge. You should find out how much the broker charges for their services and whether or not there are any hidden fees.

There are many different options when it comes to the fees they charge. Some brokers will work for a flat fee, while others may charge a percentage of the loan that is financed or your yearly income.

The type of fee you're charged should align with your risk tolerance. If you have bad credit and need help finding a mortgage lender, it may be worth paying more in fees instead of paying less and getting stuck without any help locating a mortgage lender. Make sure you know all of the details about their fee before committing to working with them.

How Long is the Process?

A mortgage broker can help a buyer find a lender in as little as two weeks, but the process can take up to six months, depending on various factors.

Is there an Evaluation Period?

In some cases, mortgage brokers may charge a fee for their services. It's important to ask if there is an evaluation period before you consider hiring the broker. If there is no evaluation period, you might want to consider what other criteria they use to decide whether you qualify for the loan.

Do They Work with Non-Profit Organizations?

We recommend that you ask the mortgage broker if they specialize in non-profit organizations. It's an important question as many buyers who are not purchasing a home for investment purposes will have their mortgages paid off quickly and need to refinance. Mortgage brokers can be helpful with this process and can also help buyers find lenders who offer better rates for longer-term mortgages.

What Type of Mortgage is their Specialty?

One important question to ask a broker should be about their specialty regarding mortgages. There are many different types of mortgages, and it's important to find a broker who specializes in the one you need. For example, if you are looking for a jumbo loan, it makes sense that you would want to work with a lender who specializes in jumbo loans. You can also ask them how long they have been working in that niche field and what their clients say about their services.

Whether you are a first-time home buyer or a long-time homeowner, choosing the best mortgage broker can feel overwhelming. But it doesn't have to be. The process is easier when you know what to consider before hiring a mortgage broker and see what they can do to help you with your home's mortgage.

Guide Editor Tue, 26 Apr 2022 23:53:29 -0400
What Are the Pros of Moving from Toronto to Ottawa? As one of the largest cities in Canada, Toronto may not be for everyone. Ottawa tends to be underrated when it comes to its everyday lifestyle, with the main benefit being that the city allows for more space per person, and that it also has a feel of a slightly smaller town where more people can connect.

If that is not enough to convince you that this could be a very beneficial move, the following are a few more points to change your mind!

  • Cost of Living: The cost of living is less in Ottawa than it is in Toronto. The average monthly cost of living in Toronto has reached a high of $5523, with rent being the highest expense. In Ottawa, even the higher end of monthly living costs run only to approximately $4255 per month!
  • Crime Rates: The crime rates in Toronto are significantly higher than those in Ottawa, making Canada’s capital much safer in comparison. It’s always a great thing to be able to explore your neighborhood and city without feeling uncomfortable or unsafe.
  • Cleaner: When it comes to downtown living, dirt, grime, and people living without housing are always expected to be present. After a simple walk around the neighborhood in each city, you will notice how much cleaner the streets in Ottawa are overall.
  • Recreation: If you are an advocate for living a healthy and active lifestyle, Ottawa is a wellness front-runner! In every area of the city, there are beautiful paths and trails for you to explore. Many of them are very well kept, and are also lit up to increase safety at night. Additionally, parks are scattered everywhere in between the Downtown core and the suburbs to ensure that everyone has access to a greenspace!

When it comes down to it Ottawa is a very healthy and safe place to live, especially in comparison to Toronto. The factors we have listed above are just some of the reasons why people of all kinds are considering apartment living in Ottawa!

As with any city in the world, there are pros and cons of living in each. It all comes down to your current lifestyle and your long-term goals – the choice is yours!

Guide Editor Tue, 26 Apr 2022 23:34:18 -0400
Can a Real Estate Agent Find Me a Condo in Pelican Bay, FL? Condos in Pelican Bay are some of the most-wanted condos in all of Florida because of the great location and the amenities that are offered to the communities. The values of the condos depend on their condition, location, size and the view.

There are both newly constructed as well as old condos. The old apartments are usually renovated and kept in good shape. Since there is high demand for condos in the area, it is advisable to work with a Pelican Bay Real Estate agent who knows the ins and outs of getting the best condo that will fulfill your needs and match your preferences. Professional realtors have a vast wealth of knowledge about their industry and can help you get your dream home within your price range.

They know which condos are available

Many homes are usually listed on public selling platforms. However, sometimes sellers don’t want their properties to be publicized for personal reasons that may include financial problems, divorce or even health problems. In such instances, only professional real estate agents know which houses are being sold. Thus, when you work with a realtor, you will get access to condos you may not have known are being sold.

They are pricing experts

Many realtors will know the price of a home the moment they walk in the door. Moreover, they will also know the value of the neighborhood. They are experienced enough to know whether the house is being underpriced or overpriced. Not only will they help you get great local home deals, but will also bring other assets to the table.

They are great negotiators

These professionals can help you get a great offer or adjust your offer later on. They have been involved in many negotiations and can take the heat in any difficult cases.

They are great record-keepers

Realtors are great at keeping records and can be a good resource years after a deal has been closed. In fact, in some states, they are required to keep all documents of all transactions they have done for a couple of years. Even though you should keep all documents yourself, if anything happens years down the line, you can rely on your agent to have the information safeguarded.

You will avoid closing issues

When you are about to close the sale, there are issues which may occur and disrupt the process. For instance, the title of the property may be unclear or the lender may start causing issues.

They can request for repairs

The professional may identify issues with the property that you may miss and even recommend a great independent inspector to check out the property and look for issues. The realtor can then request for repairs if you want the house to be in better condition.


A realtor can help you get the condo of your dreams because they have experience and expertise in helping people get houses, negotiate the price and even request for repairs. If you are looking for a condo, reach out to a professional agent to get assistance.

Guide Editor Fri, 01 Apr 2022 23:58:55 -0400
How to Revive a Tired Garden Shed For many homeowners, the garden shed is something of an afterthought. It’s a place to store tools, paint, miscellaneous garden clutter … and little else. However, with a touch of imagination and know-how, a garden shed can be so much more. In fact, the possibilities are practically limitless.

If your shed is starting to look dreary and tired, why not do something about it? You don’t need to break the bank. With just a few well-placed improvements, you can turn back the clock and get your once stale-shed looking like new again. So, what are you waiting for?

After all, by smartening up your shed, you can also increase the value and saleability of your home. If you’re smart about it, you can easily recover your initial investment - and of course, you’ll be able to enjoy a beautiful, renewed shed.

Now, the only question is: how do you transform your humdrum shed into something more desirable? To help you figure this out, we’ve put together a list of transformative projects to help you elevate your shed to the next level. Ready to create a shed to be proud of? Time to roll your sleeves up and get to it …

Add a Protective Coat of Black Bitumen Paint

When you think about it, your shed puts up with rather a lot. For one thing, it faces wind, rain and sleet on a daily basis. This can certainly take its toll. Fortunately, giving it a protective coat of black bitumen paint prior to repainting it can increase its durability and overall lifespan.

A good quality black bitumen paint can help to protect your shed against inclement weather and keep it looking its best for many years to come.

And a New Coat of Colourful Paint

Black bitumen paint works well as a primer and forms a protective coat. Now, you need to consider what colour you would like to re-paint your shed. Some of the contemporary shades you might consider include duck-egg blue, black blue … or, if you’re feeling bold, bright pink!

You may also wish to paint the door in a contrasting colour to add yet more visual appeal.

Time for a Clearout

This next project requires a pair of rubber gloves, bin bags and a good deal of elbow-grease. That’s right, it’s time for a proper cleanout. Throw away any junk or clutter that is no longer of use.

Now, it’s time to break out the cleaning supplies and treat your shed to a deep clean, inside and out. This may take a couple of hours, or a full day, depending on the size (and state) of your shed.

Modernise with a Set of uPVC Windows and Doors

Adding a set of modern uPVC windows and doors to your shed does more than simply updating its looks. These thermal-efficient windows and doors can also make your garden shed more comfortable, keeping it cool during the hot summer and warm during the colder months.

What’s more, if you do run electricity to your shed, having uPVC windows and doors can help you to save on running costs. The benefits don’t end there, either. uPVC fittings are more durable than standard shed windows and doors, which can help to deter any would-be intruders!

Complete the Look with a Carpet and Furniture

The addition of a tasteful carpet can make your shed feel that much more homely … and less like, well, a shed! A traditional, modern or rustic carpet can be used to define the unique character of your shed.

However, before purchasing a carpet you should also factor in whether this will be a suitable option for your shed. If it’s used for storing mowers, tools, oils and other garden equipment, it may not be practical to add a carpet. Cleaning out grease and oil stains on a regular basis is simply too much of a hassle for many busy homeowners.

When it comes to furniture, you can make even a modest shed very comfortable with just a few good quality pieces. If you’re working with a budget, you should be able to source upcycled tables, chairs and sofas at favourable prices. Just think, your shed may soon be competing with the living room for your favourite place to unwind!

Best of Luck - Happy Remodelling!

Many thanks for reading our latest article. We hope you now have plenty of ideas for how to remodel your shed and wish you the best of luck with your project.

Guide Editor Fri, 25 Mar 2022 23:26:50 -0400
Five Great Benefits of Hiring a Drainage Engineer to Tackle Your Blocked Drains It can be disheartening to discover that the drains at your home or business premises are blocked. Blocked drains are smelly, unsightly and can cause major disruption at your property.

Your first instinct may be to attempt to tackle the blockage on your home. However, if you lack the necessary training or equipment, we would advise against this. Although you may aim to save money by affecting the repairs yourself, if you make any mistakes along the way, the cost of putting things right could end up being much higher …

That’s why, when it comes to drainage emergencies, you’re much better off calling in the experts. Whatever the nature of your drainage concerns, the experienced drainage engineers in your area should be able to resolve them with a minimum of hassle. What’s more, there are numerous benefits to availing the help of a professional rather than trying the D.I.Y approach. Here are a few for your consideration:

Prompt Service

If you have discovered a blocked drain, you will understandably want the problem to be resolved without delay. Thankfully, the leading drainage companies in your area provide a fast, responsive service that should quickly relieve you of your drainage woes.

And, if you’re in the midst of an emergency that simply can’t wait, you’ll be pleased to know that some companies also offer a 24-hour callout service.

Fully Trained and Qualified

Not only do professional drainage engineers have state-of-the-art diagnostic technology at their disposal, they have also undergone in-depth training to ensure they can safely handle drainage waste, remove blockages, clean and repair drains.

Prior to hiring a drainage engineer, you should check to ensure that they hold industry-recognised accreditations such as those from the Environment Agency and the National Association of Drainage Contractors. These accreditations are awarded to contractors and individuals that can demonstrate they follow the best practices, work safely and deliver exemplary levels of customer care and service.

Competitively Priced

On a related note, not only do the top-rated drainage contractors in your area offer a fast, reliable service, they also do so at a fair price. Finding the contractors that tick all the boxes here requires a little research. Pay attention to any customer reviews on Google or social media platforms such as Facebook and Twitter.

When it comes to price, you’ll find that the leading contractors will be happy to provide you with a free, no-obligation quote prior to starting work, so you can decide whether or not to hire their services.

Less Disruption to Your Property

Whilst the ‘DIY’ approach may seem tempting, it comes with the substantial risk of inadvertently causing damage to delicate fixtures and fittings surrounding the blockage.

Professional drainage engineers use sophisticated CCTV drain survey equipment to warn them of any fittings or objects nearby, so that these can be avoided as drains are unblocked.

Without these insights, you’ll be going into the drain blindly and, as such, could very easily burst a pipe or damage a wall, which could leave you with another unexpected repair bill to deal with!

Longer-lasting Results

If you have a perfunctory knowledge of drains, you may be able to temporarily clear them. However, without expert training, it’s unlikely that you’ll spot any other problems that if unchecked could escalate.

A reputable drainage engineer will thoroughly diagnose the root cause of your drainage issue and then take all the necessary steps to ensure these problems don’t return anytime soon.

Thanks for Reading - And Good Luck!

We hope that you found our latest article helpful. A blocked drain can be a hassle to deal with, but we think you’ll agree these matters are best dealt with by the professionals.

Guide Editor Tue, 22 Mar 2022 10:42:37 -0400
What Are the Hidden Costs I Should Save for when Buying a New Propety?

It’s so easy to get tunnel vision when you are preparing to buy a home. Saving for the house deposit and getting your finances under control is a full-time commitment, but there are other costs you want to be preparing for. If you are poised to buy a new home, read this article so that you can consider those other tasks that add up.

A locksmith

Working with a great locksmith will ensure that your new home is ready to go with new locks and enhanced security. Thomastown locksmiths will not break the bank, but these locksmith expenditures are certainly worth building into your budget so that you can be in the ultimate position if your offer is accepted and it's time to move in. It might also be worth it to have your locksmith survey the property and identify any other areas that might need an update from new locks, hinges, hardware and security.


There is no point in being a hero and choosing to move without a removalist, especially if you are bringing some new items to the property. Removalists can bring some order to a stressful time, with your belongings carefully packaged and transported to the home while you liaise with your agent and coordinate all the other details. If your move is interstate or a considerable distance, then working with a removalist is absolutely essential. Your time is better spent on setting up power and utilities at the new home, rather than doing multiple trips to move everything.

Another advantage to a removalist is that you can then choose to move on a weekday where there is less traffic and things happening, as opposed to moving on the weekend with a chance of having friends and family help.

Legal fees

Buying a property is serious business, and so you want to have a solicitor oversee the contracts. Your solicitor will do a title search to make sure that the land can be legally sold, that there are no claims on the property, and generally notarize the paperwork so that your intentions and wishes are taken forward. This is one of the easier things to budget for as there is typically a flat fee for this work, so look up what the cost is for your state of residence and build those legal property fees into your budget.

Building and handyman work

Don’t be naive in thinking that everything is going to be in perfect working order in your home forever, and in fact, there might even be things you have to fix or improve as soon as you are in. Having a fund to support these costs will make life a lot easier, and it means you won’t have to endure any living conditions that are not ideal. Examples of this might be fixing downpipes so that you don’t have any draining issues, or you might need to contend with a pest infestation if the property was dormant while on the market.

Depending on where you are in the world, it is good practice to get a building and pest report prior to putting a bid on and buying a home, so factor in this cost in addition to your handyman expenses. This upfront cost might save you from buying the wrong house or committing to a home that needs a lot of work.

These are the core costs you want to account for when buying a property. There will be more depending on the nature of your property purchase and the condition of the property, so don’t push the button on purchasing a home until you consider what these costs are and a plan to pay them.

Guide Editor Fri, 11 Mar 2022 22:41:05 -0500
When Should You Contact a Realtor About Selling Your House? If you’re selling your home for the first time, you probably have a lot of questions about the overall process of doing so. Some that might have come on your radar might include questions like where do I start? How much is my home worth? What steps do I need to take to get started? A lot of these questions could be answered by a real estate agent. Agents are the professionals who are going to help you during every step of the process and are going to be your best option for selling a house the right way. If you’re now wondering “well, now when should I hire a Realtor?” We have a few ways to determine when.

You Are Buying and Selling at the Same Time

If you’re someone who needs to both buy a house and sell a house at the same time, we suggest you look into contacting a real estate agent on the earlier side of around 12-weeks prior to your start date. Because of all of the steps that will need to go into both buying and selling, it’s best to contact the professionals right away. Usually, people will hire a separate buying agent and selling agent. However, some agents and brokers will offer to do both at the same time. Familiarize yourself with the regulations in your area and communicate your needs and goals to the agents who you interview. 

Your Home Requires Maintenance and Repairs

If your home is in need of some updates before you can list it on the market, then you have some wiggle room before you list your home on the market. Sometimes, these repairs can take a few weeks to complete, especially if they’re a little bit more extensive. Contact an agent 6-8 weeks before you plan on selling your home. This will give you some time to finish all of the necessary updates and repairs before making any big selling moves. 

You Are in a Time Crunch

Some people need to sell their home as quickly as possible. Whether it be to move for a job or because they inherited a house that they don't want to keep up with, some sellers need professional help fast. If you fall into the category of wanting to start and end the selling process ASAP, then consider contacting a real estate agent 1-4 weeks prior to selling your home. They’ll be able to provide expert advice and guidance off the bat and help you to sell your home quickly.

You Have the Time to Put Towards Selling

While some people might be in a rush to sell, others are willing to take their time. Usually, this is because people want to sell their homes for a high price but oftentimes people are willing to take things slow. If this sounds like you, contact an agent around 12 or more weeks before you plan on selling. Meeting with someone right away will give you a lot more flexibility and options during the process. You can move through the motions of inspections, marketing, staging, and negotiating with potential buyers.

This Is Your First Time Selling

If you’ve never sold a house before, you’re likely going to have a lot of questions regarding where to start. Selling a house can be an overwhelming process, and having an expert on hand to answer questions and provide help will help ease a lot of the anxiety that comes alongside selling a house! Contact a real estate agent 12 or more weeks before you plan on getting started.

Depending on your situation, the time when you should contact a Realtor will vary. Some people are in a rush, while others have some extra time to spend on working through the steps. Additionally, people’s experience levels and the amount of work they need to put into making updates will also affect when they should contact an agent. Determine your goals and situation and make a decision based on that!

When To Contact a Realtor to Sell Your House
Provided by When To Contact a Realtor to Sell Your House

Guide Editor Thu, 03 Mar 2022 22:40:21 -0500
Your Guide to the Costs of Selling a House in Ontario

Are you planning on selling your home? Are you ready to start a new life somewhere else? If so, it’s best to budget for selling your home - that’s right, it ain’t free to sell your home.

So what should you budget for? Let’s break down the closing costs, what impacts their fees and the average price for selling your home in Ontario (and probably the rest of Canada).

Your Comprehensive Guide to the Closing Costs in Ontario

What are Closing Costs?

Basically, closing costs are fees and charges that you have to pay in order to complete the sale of your home. Both the seller (you) and the buyer have to pay closing costs, but they vary in terms of the amount and which ones. For example, sellers have to pay realtors for their services, while buyers have to pay a land transfer tax.

Why do you have to pay closing costs?

Simple: a real estate transaction is a complex process that involves numerous people (realtors, buyers, sellers, lawyers) and all of them are required to partake in the transaction. Significantly, it’s all about ensuring that no one is screwed out of the deal, be it financially or for the home itself. They are a crucial part of all home purchases.

Closing costs include the following:

  • Realtor fees (a commission for selling the home)
  • Legal fees (which include the title search, to determine the history of the property, a Letter of Direction, and a statement of adjustments of all finances)
  • Home staging costs (also known as home inspections, where buyers come to view your property before purchasing it)
  • Status Certificate (for condos only and describes the financial status and condition of your condo building as a whole)
  • Any potential repairs (this include renovations and remodelling)
  • Possible mortgage penalty (you might incur a penalty for selling your mortgage during a specific window. It’s always best to read the fine print of your mortgage).

What Affects Closing Costs When Selling a Home in Ontario?

In order to understand what affects the cost of selling your home, let’s look at each of the closing costs in more detail.

Realtor Fees

  • The biggest fee you’ll have to pay when you sell your home is the realtor’s commissions when selling your home. The commission will vary depending on where you live in Ontario and how much your home is worth. It’s usually between 3%-7%.

Legal Fees

  • This ain’t like selling something on Facebook Marketplace. You require a real estate lawyer to handle the financial transaction on your part, ensuring it goes smoothly. Their costs vary depending on their experience and services.

Home Staging

  • Inspections are part and parcel of home staging, with costs, such as cleaning, repairs (more on that below) required for the property. However, you can do a lot of this yourself to save money.

Status Certificate

  • This process involves a professional reviewing the financial status, condition and future of the condo. While this is commonly a buyer’s purchase, some sellers can do it to enhance their sale.


  • From minor remodeling projects to complete renovations, upgrading your home can help you sell it for more. Costs vary significantly, depending on the type of project, its scale, the cost of the labour, materials and much more.

Mortgage Penalty

  • Best summed up by Edison Financial, they mentioned that “If you end your mortgage before it matures, you can expect to pay penalties and discharge fees.” This varies from bank to bank, lender to lender. The most important thing is to read the fine print so you understand what to expect.

The Costs of Closing Fees in Ontario

Having an idea on the costs of closing fees in Ontario (and Canada) as a whole can prove useful when budgeting and preparing to sell your home. We’ve done some research for you to provide you with some examples of closing costs:

Realtor Fees

  • For realtor fees, Sun Life Insurance states that “as a seller, expect to pay realtor fees anywhere between 3% and 7% of the price of your house…[with] a 4% real estate commission on a house that sells for $500,000 will set you back $20,000.”

Legal Fees

  • According to Edison Financial, “Canadian sellers will likely have to pay around $1,500 in legal fees”. Sun Life Insurance also mentions similar rates in regards to legal fees.

Home Staging

  • com states that for house viewings and inspections, “pre-listing home inspections in Toronto cost $400-$600”, while Cash Offer mentions that “home staging takes about 14 days and costs between $2,000 to $5,000”. However you can save significantly by managing the cleaning and inspection yourself.

Status Certificate

  • com also mentions that “sellers usually pay the $100 fee to the condo corporation for the preparation of the status certificate”. But note: this is for condo purchases only.


  • Renovations can vary significantly in cost, from as low as a few thousand dollars to as much as $20k.

Mortgage Penalty

  • As for the mortgage penalty, this can range significantly depending on the bank or financial lender. Cash Offer says that “mortgage discharge fees cost up to $300 depending on your financial institution” while Edison Financial mentions that “for a variable rate mortgage, the penalties will be the equivalent of three months’ worth of mortgage payments, plus a discharge fee of $200-$600.”

Overall, if you add together these costs, you could be spending as low as $30k to as much as $50k, depending on the size, sale and condition of your home. Your best course of action is to speak directly to a realtor (​​, who can provide you with a definitive answer on the cost of selling your home.

Guide Editor Sat, 26 Feb 2022 23:02:42 -0500
The Facts Regarding Whether Blinds Are Better Than Curtains Curtains have been used over windows and doors for thousands of years. There is evidence that shows curtains hung as room dividers in the 2nd century. Research also suggests that the Ancient Egyptians used curtains as far back as 3100 B.C.

Curtains offer some benefits over other types of window and door coverings. Specifically, they are better at maintaining heat in a room. This is because they are a solid structure across your door and they may have an insulation layer to improve their performance.

However, it is possible to get the same effect with internal shutters such as blinds. They already block the window and improve heat retention. In general, blinds are seen as less effective because they also have slats. However, there are many blinds that are one-piece, such as Roman blinds. These can have an insulation layer attached to them to make them as efficient as curtains at retaining heat.

Equally, honeycomb blinds trap air in their pockets, potentially being the most insulative of all the options available.

Summer Heat

If you’re concerned about the temperature in your room then you need to be aware that blinds are a much better option in the summer. A thin summer blind will allow heat to escape from the room. That’s a benefit in the summer when you are trying to prevent the room from getting too hot.

In effect, allowing heat out means you can block the sun’s rays from your home while letting the air conditioner do its job more efficiently.

Sound Proof

Blinds are very good at sound proofing, although thick curtains are potentially better. Both are viable options and worth considering.


If you want to get all the above benefits from curtains they need to be thick and heavy. That means they will eliminate all light from your room. That is potentially depressing. Blinds can offer the above benefits without eliminating all the light. This can make a remarkable difference, especially on a gloomy winter’s day.

It’s also much easier to have a blind partially open.


Blinds are much less likely to attract mould than curtains, making them a superior choice, especially in damp rooms such as the bathroom or the kitchen.


Removing mould from your curtains can be extremely difficult, it will usually wipe off your blinds if you get any in the first place. Curtains generally need to be washed regularly where as blinds can often be cleaned with a duster and damp cloth.

The Bottom Line

Blinds come in a wide array of styles and colours, meaning that you’ll be able to find something that suits your room and your personal tastes. The key to choosing between the two is to check out what is on offer and consider using blinds in some of your rooms and curtains in others. This will give you the best of both worlds and ensure your home offers you the comfort and style that you want.

Guide Editor Mon, 21 Feb 2022 02:42:04 -0500
Your Quick Guide To Welding And Weld Inspection Welding is an essential skill that is used by many different industries. Mechanics need to weld metal plates to vehicles to prevent corrosion from getting worse, oil riggers weld equipment and gear to keep the rig running smoothly, and even artisans weld to create stunning works of art.

What Is Welding

In a nutshell, welding is simply a means of bonding two pieces of metal together. The two metal pieces are held together while heat is applied to them, this allows them to soften and bond with a filler agent. The joint cools quickly and is extremely strong.

There are three types of welding:

  1. Stick

Stick welding is the most popular option and one that most welders use. A metal current is passed through the stick, which is an electrode. It also passes through the metal pieces that need to be joined. The current melts the stick which bonds with the metal, creating the needed joint.

  1. MIG

MIG welding uses a filler wire. This is fed into the welding torch and you decide how fast the wire comes out, this controls the speed you weld and the thickness of your weld. The wire and torch create an arc that puts the wire directly onto your joint.

It’s a strong bond and a better-looking finish than stick.

  1. TIG

TIG welding is similar to MIG but you have a greater degree of control over the arc. This allows you to be much more precise but it’s a more complicated technique to learn which is why it’s generally reserved for professionals.

You should note that plastic welding is now becoming popular. This is the process of joining two pieces of plastic. Instead of metal, there are thermoplastic pieces, joining them is basically the same principle as with metal welding.

Inspecting The Weld

In principle, anyone can start welding. However, just because the two items are stuck together it doesn’t mean you have created a strong weld. This needs to be verified by specialist welding consultants. They will examine the finish to see how tidy the weld is, this gives an indication of professionalism and the strength of the joint.

A good inspector will also look at the technique you have used and will watch you weld a little, this ensures you are using best practices and the bond is sound.

There are pre-defined levels of acceptability when inspecting weld joints, the inspector will ensure your joints meet the required level.

The Bottom Line

Welding is a valuable skill that will allow you to undertake a variety of tasks. However, the key to becoming better at welding is to practice first. All you need is a stick and some old spare pieces of metal. You can then practice getting the right angles, joints, and finish.

It is possible to learn the techniques yourself. But, you’ll find it easier to check out a local expert and learn from them. This will help to ensure you learn the right techniques and become the best welder you can be. Of course, you need to remember that practice is everything.

Guide Editor Mon, 21 Feb 2022 02:41:29 -0500
ARM Mortgages vs. Fixed-Rate Mortgages Whether you’re buying a new home that will be your primary residence, or you’re purchasing an investment property, such as a long-term rental or vacation property, you’ll likely need a mortgage. There are two nain types of mortgages you can get in regards to the interest rate: adjustable-rate mortgages (better known as ARMs) and fixed-rate mortgages.

An ARM has an interest rate that varies according to market conditions, while a fixed-rate mortgage has the same interest rate over the life of the loan.

At first glance it may seem like getting an adjustable-rate mortgage is the smarter choice, but it's more complicated than that. The key to understanding the differences between adjustable-rate mortgages and fixed-rate mortgage rates is knowing how each type of loan protects you from the rise and fall of interest rates.

About ARMs

An adjustable-rate mortgage has an interest rate that varies over time along with a publicly reported index, such as the U.S. Treasury Bill or LIBOR Index. The initial interest rates are usually lower than for a fixed-rate mortgage. For example, someone borrowing $100,000 would have an initial interest rate of 3.5 percent, compared with the 4 percent or more that might be charged for a 30-year fixed-rate mortgage. Over time, interest rates on an ARM are likely to increase, while rates on a fixed-rate mortgage will stay the same.

The advantage of an adjustable-rate mortgage is that your monthly payments are lower. Also, you're able to buy a more expensive home than if you had opted for a fixed-rate loan, as the fixed-rate mortgage would mean higher mortgage payments. With an adjustable-rate mortgage, your monthly payment will remain the same for a set period of time, typically one, three, five, or seven years. When that initial period is over and the rate adjusts as per your loan agreement, your monthly payment can go up – dramatically – even if you haven't increased your loan amount. You can protect yourself from the risk of rising rates by choosing an ARM that has an interest rate cap, but you will end up paying more in closing costs.

About fixed-rate mortgages

Unlike adjustable-rate mortgages, the interest rate on a fixed-rate mortgage will not change during its term. You can lock into an interest that remains unchanged for up to 30 years, depending upon the terms of your agreement and prevailing market conditions in the area where you live. The primary advantage of a fixed-rate mortgage is that your monthly payment will stay the same for the life of your loan.

While rates are still low, it would be advantageous to borrow at a fixed rate. The advantage is that the principal and interest payments remain unchanged for the life of the loan. Fixed-rate mortgage holders are usually protected by their locked-in interest rates, but they run the risk of losing purchasing power as inflation erodes the long-term value of those low rates over time.


If you have the financial flexibility, the best option might be to lock in a fixed-rate loan when interest rates fall and then refinance to an ARM when they rise enough that it makes sense.

Choosing the mortgage that’s right for you

The choice between fixed-rate mortgages and adjustable-rate mortgages boils down to your views on taking risks and how long you plan on staying in your home. If you are willing to take on risk in exchange for saving money over the short term, choose an adjustable-rate mortgage. The lower your initial interest rate, the more you will save.

On the other hand, if you plan to stay put for seven years or longer, a fixed-rate mortgage provides safety and stability because your interest rates won't change.

Guide Editor Wed, 16 Feb 2022 09:23:26 -0500