Homes of New Hampshire Realty



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 10/26/2016

The first step in home buying is getting a mortgage. Many home owners also find themselves in a maze when they start the refinance process. Navigating the mortgage process can be confusing. There is so much to know between rates, types of mortgages and payment schedules. Avoiding making a mistake in the mortgage process can save you a lot of money and headaches. Here is a list of the biggest mortgage mistakes that potential borrowers make. 1. No or Low Down Payment Buying a home with no or a low down payment is not a good idea. A large down payment increases the amount of equity the borrower has in the home. It also reduces the bank’s liability on the home. Research has shown that borrowers that place down a large down payment are much more likely to make their mortgage payments. If they do not they will also lose money. Borrowers who put little to nothing down on their homes find themselves upside down on their mortgage and end up just walking away. They owe more money than the home is worth. The more a borrower owes, the more likely they are to walk away and be subject to credit damaging foreclosure. 2. Adjustable Rate Mortgages or ARMs Adjustable rate mortgages or ARMs sound too good to be true and they can be. The loan starts off with a low interest rate for the first two to five years. This allows the borrower to buy a larger house than they can normally qualify for. After two to five years the low adjustable rate expires and the interest rate resets to a higher market rate. Now the borrowers can no longer make the higher payment not can they refinance to a lower rate because they often do not have the equity in the home to qualify for a refinance. Many borrowers end up with high mortgage payments that are two to three times their original payments. 3. No Documentation Loans No documentation loans or sometimes called “liar loans” were very popular prior to the subprime meltdown. These loans requires little to no documentation. They do not require verification of the borrower's income, assets and/or expenses. Unfortunately borrowers have a tendency to inflate their income so that they can buy a larger house. The problems start once the mortgage payment is due. Because the borrower does not have the income they are unable to make mortgage payments and often end up face bankruptcy and foreclosure. 4. Reverse Mortgages You have seen the commercials and even infomercials devoted to advocating reverse mortgages. A reverse mortgage is a loan available to borrowers age 62 and up. It uses the equity from the borrower’s home. The available equity is paid out in a steady stream of payments or in a lump sum like an annuity. Reverse mortgage have can be dangerous and have many drawbacks. There are many fees associated with reverse mortgages. These includes origination fees, mortgage insurance, title insurance, appraisal fees, attorney fees and many other miscellaneous fees that can quickly eat at the home’s equity. Another drawback; the borrower loses full ownership of their home and the bank now owns the home Avoiding the pitfalls of the mortgage maze will hopefully help you keep in good financial health as a home can be your best investment. .




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