Homes of New Hampshire Realty



Posted by Homes of New Hampshire Realty on 12/6/2017

One of the first places we think to cut back on to conserve energy and save money is electricity. However, there are a lot of everyday habits we often overlook that not only keep more money in our wallets in the long run but are also cheap to do! Below are a few cheap and easy habits you can make a part of your everyday routine that lower your electricity usage in the home: Start with the basics - I’m sure you’re all too familiar with this one from when you were a child, or perhaps you say them to your own child: turn off the lights when the room is not in use. You can take this a step further by unplugging an appliance or device when it is not in use. Electronics can actually use electricity even when powered down but still plugged in. An easy way to to do this is by plugging your items into a power strip so that when they are not in use you can simply flip off their power supply with one easy motion. Bright idea - CFL (compact fluorescent) bulbs use less energy to provide light than traditional incandescent bulbs. This is because incandescent bulbs need to first heat up the filament which becomes so hot it glows white and thus provides light. CFL’s produces significantly less heat and that’s what makes it much more effective than traditional bulbs. So while opting for CFL bulbs is a pricier purchase up front over incandescent ones you will save money over time as they not only save energy but have a longer lifespan as well. Summertime Saving - When it’s warm out opting to hang dry clothes instead of putting them in the dryer can save in the long run. Most of the energy used when washing clothes is actually used from the electric dryer. Skipping the air conditioner, a big energy hog, in favor of fans is another great way to cut your electric bill and conserve energy. Wintertime Saving - Turning down the thermostat by two degrees from your desired temperature can make such a big difference over the colder months. Remember to dress warmly during the cold months, even inside, and you can keep your home at a lower temperature while saving electricity and conserving energy. Further lowering the thermostat while you are out of the home will also save you in the long run. Adding insulation around water pipes, and even your hot water heater if it’s an older model, will help save on the energy it takes to heat up your hot water. Whether you implement one of these ideas or all of them you will be making an impact on the environment, and your wallet, by conserving energy and therefore lowering your carbon footprint. And when you can do both at the same time on the cheap, that’s something to feel good about!




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Posted by Homes of New Hampshire Realty on 11/29/2017

Family members and friends are loved ones who play important roles in your life. However, when it comes to sharing the news that you've decided to sell your home, it sometimes can be difficult to prevent these loved from sabotaging your home sale.

Lucky for you, there are many simple ways to reduce the risk that loved ones can hinder your ability to sell your residence.

Now, let's take a look at three tips to keep family members and friends involved in the home selling process.

1. Meet with Family Members and Friends

Don't wait to inform family members and friends about your decision to sell your house. Instead, meet with loved ones so you can discuss your home selling plans with them.

Face-to-face meetings with family members and friends are ideal. These meetings will allow you to explain why you decided to sell your home, where you plan to move and much more.

In addition, meeting with family members and friends shows loved ones that you care about their thoughts and feelings. It also sets the stage to involve your loved ones in the home selling process – something that may help you get the best results possible.

2. Respond to Loved Ones' Home Selling Questions

In all likelihood, family members and friends will have lots of questions about your decision to sell your home. If you plan ahead for potential questions, you should have no trouble responding to loved ones' queries accordingly.

It may be tough to move further away from loved ones. But if you prepare before you meet with family members and friends, you can improve your chances of remaining calm, cool and collected as you share your home selling news.

Furthermore, it is important to remember that loved ones might not always agree with your home selling decision.

On the other hand, family members and friends should be ready to stick with you and support your decision, regardless of whether they agree with it. By doing so, your loved ones can provide you with the assistance you need to streamline the home selling process.

3. Discuss Your Options with a Real Estate Agent

For those who want to get their loved ones involved the home selling cycle, meeting with a real estate agent may prove to be a great first step.

A real estate agent can provide recommendations and suggestions about how to share your home selling news with family members and friends. Plus, this housing market professional can respond to your home selling concerns and queries at any time.

Perhaps best of all, a real estate agent will serve as a great guide throughout the home selling process. He or she will help you add your residence to the real estate market, promote your house to potential property buyers and negotiate with homebuyers on your behalf.

Don't worry about telling family members and friends about your decision to sell your house. Conversely, use these tips, and you can prevent your loved ones from sabotaging your home sale.




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Posted by Homes of New Hampshire Realty on 11/22/2017

Home is the the most comfortable place to be. We relax after a long day of work in the living room, eat meals with our family in our kitchen, and sleep soundly in our beds at night. All of this comfort can sometimes cause us to overlook basic safety habits that keep us and our property safe. One of the chief threats to our safety at home is house fires. A great way to keep tabs on our fire preparedness is to have a yearly "fire safety week" with our families to teach and reinforce important information around fires. Read on to see the five-day plan that, for just a few minutes per day, has the potential to save lives.

Day 1: Smoke detectors

The most basic fire safety items that each home has are the smoke detectors. On day one take the kids around the house and show them where each smoke detector is. Have them block their ears and show them how to test the detectors. Change all of the batteries as well. Don't be conservative or frugal with batteries when it comes to smoke detectors; it's worth the extra few bucks to know that you can depend on them.

Day 2: Fire extinguishers

On the second day, bring the kids around the house again showing them the location of fire extinguishers and explaining their function. If there ever is a small house fire you don't want to fumbling around with an extinguisher trying to learn how to use it. Explain that these are not toys and can be dangerous. If your kids are old enough to be home alone, teach them how to use the extinguishers. If the kids are too young tell them to seek you out immediately if they see or smell smoke, or think there might be a fire. Read the pressure gauge on all of your fire extinguishers to make sure they're adequately pressurized. Replace fire extinguishers that are over twelve years old.

Day 3: Escape plan

Every house should have an evacuation plan in case of a fire. Each room should have two escape routes in case one is blocked off by fire or some other barrier. Have your children go through the evacuation routes for each of their rooms. Do this for yourself as well to ensure there are no problems with your plan. Then take the family outside to a meeting spot away from the house. Tell them that this is where each member of the family will meet in case of a fire.

Day 4: Fire hazards

The average house has unlimited potential for fire hazards. Curtains near heaters or ovens, candles too close to flammable objects, and even power outlets can all cause a house fire. Before today's lesson, go through your house and find potential fire hazards and teach your family how to correct these habits during today's lesson. If your kids are old enough to cook, run through various cooking fire hazards as well.

Day 5: Review

Today, review the previous four days' lessons with your family. You can also use today to cover the top eight causes of house fires according to the National Fire Protection Association:
  1. Candles
  2. Smoking
  3. Electrical and lighting
  4. Dryers and washing machines
  5. Lightning
  6. Children playing with fire (matches, lighters, etc.)
  7. Christmas trees
  8. Cooking





Posted by Homes of New Hampshire Realty on 11/15/2017

Many people are averse to shopping at the dollar store because they assume that the quality of the items there are inferior to those at other stores. Others simply assume that since many of the products aren't recognized name brands that they aren't good products. However, there are some dollar store deals that are always worth the dollar. One issue that many people have in a dollar store is that they walk down the aisle filling their carts with impulse buys thinking, "It's just a dollar." But those dollars add up and you'll find yourself buying things that you don't really need or items you could find cheaper by buying in bulk elsewhere. In this article, we'll cover some of the most useful items that you can find at your local dollar store.

Holiday and party supplies

Let's face it, the kids don't read their cards or observe their wrapping paper. They're more concerned with what's inside. When it comes to party prep, you can save a huge amount by buying everything at the dollar store. With the exception of paper products like napkins and paper towels, you'll get more for your buck at the dollar store. Some items to look out for:
  • balloons
  • plastic cutlery
  • large tin food containers
  • cards
  • wrapping paper

Tool kit supplies

If you don't feel like going outside to your shed every time you need to tighten a screw, or if you live in a small space and don't want bulky tools laying around, making a small toolkit is the way to go. And the dollar store is the place to start. Buy a small, empty toolbox and fill it with items from the dollar store. Some useful items to include:
  • nails and screws
  • hooks and hangers
  • screwdrivers
  • pliers
  • adjustable wrench
  • tape measure
  • super glue
  • tape
  • a pair of work gloves

First aid items

Every home and every vehicle should have a first aid kit. However, good kits can be expensive and the items within them have expiration dates. Rather than spending a lot on a kit you (hopefully) never have to use, fill a small box or bag with first aid items from the dollar store. Some first aid essentials to put inside:
  • assorted band-aids
  • burn cream
  • medical tape
  • antibiotic ointment
  • support bandages
  • small scissors
  • gauze
  • antibacterial wet wipes
  • aspirin
  • hot or cold compress

Cleaning products

Not every cleaning product will be cheaper at the dollar store. And for products you use often it might make more sense to buy in bulk online or from a wholesale club. However, there are some cleaning items that you will almost always save on at the dollar store. The key to saving on cleaning supplies from the dollar store is to buy generic brands. They often contain the same ingredients and are sometimes even made by the same manufacturer. Sometimes the only difference is that dollar store products may be diluted more.

Kitchen Utensils

Most dollar stores have a large kitchen section that includes useful items like various sized spoons and spatulas. You can also find other kitchen essentials like sponges, dish scrubbers, sink stoppers and strainers, measuring cups and much more.  




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Posted by Homes of New Hampshire Realty on 11/8/2017

First time homeowners aren't the only people who are making this financial mistake. Millennials also aren't alone when it comes to approaching home ownership with short sight. Even the Great Recession hasn't stopped everyone who wants to own a house from thinking that they'll come out ahead if they wait until after they buy a house to starting putting money toward their mortgage.

Preparing to buy a house smartly could take years

Settling for making monthly mortgage payments, despite what the lender equates those payments to be, is a mistake. Negotiating for lower mortgage payments is only part of it.

The size of your mortgage down payment is significant. Don't wave this off. In fact, as soon as you become serious about buying a house start saving for your mortgage down payment.

Ways to save for your mortgage down payment include investing half (or more) of your quarterly or annual bonus toward your down payment and depositing your tax refund in an interest bearing account.

Money that you earn from a part-time job, including a virtual gig, could also go toward your mortgage down payment. Instead of tossing out clothes that you no longer wear, sell them to a consignment store and deposit the money into an interest bearing account.

Forward movement pays off

Keep saving  until you save at least 20 percent of the total cost of the house that you want to buy. Don't get fooled into thinking that there is only one house that you'll love. After all, you could buy land and have your dream house built on that land.

In addition to having the leverage to put a hefty down payment toward your mortgage, you'll have leverage to negotiate a better mortgage deal from your lender. You might even secure a mortgage with a lender who would never have approved you for a home loan if you didn't have a huge down payment.

Tax write offs may not be enough to subtract pain caused by this single mortgage regret

The government gives people tax deductions for owning a house for good reason. A house is probably the biggest expense that Americans will take on. Buying a house also helps the economy. It makes good sense to reward home buyers with a tax deduction.

But, even tax deductions may not help homeowners recoup the money that they'll lose by overpaying on their mortgage because of poor decisions that they made before they met with their lender. Poor home buying financial decisions could set Americans up for years of hard-to-make mortgage payments.

This single decision damages personal credit, destroys marriages and causes unsuspecting homeowners to lose their houses, sometimes years after struggling to pay their mortgage. Root of the single act that leads to years of mortgage regret is wishful thinking. The price of this wishful thinking is too high to want to take on. It leaves you unprepared.




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