Adulting

5 Things to Consider Before Buying an Engagement Ring

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When it comes to popping the question, many couples consider buying an engagement ring. After all, this is a symbol of love and commitment that will last a lifetime. If you’re in the market for an engagement ring, there are a few things you’ll want to keep in mind before making your purchase. This blog post will discuss five things to consider before buying an engagement ring. So whether you’re just starting to shop around or you’ve already got your heart set on a certain ring, read on for some helpful advice!

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Adulting

What’s on Your Bucket List?

If you’re not familiar with the term bucket list, it’s a phrase that people use to describe the things that they want to do before they “kick the bucket”. It’s not the most elegant of phrases but it certainly does the job in terms of being descriptive! I’m going to be 38 this summer, which means that the big 4-0 is not as far away as I would like. I’ve been thinking about some of the things I would like to do before I turn 40. Some of them are pretty random. Some of them are probably the same things that were on the list when I did this before I was 30. I thought I would share them with you today for a bit of fun.

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Adulting

Get the Best Price for your Second Hand Car

Get the Best Price for your Second Hand Car
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Husband and I have been in the market for a new (used) car since before the start of the pandemic, after ours went to car heaven for good. We’ve been lucky enough to have been loaned a car by my parents, which is something that has genuinely saved our bacon for the last two years, but we’ve managed to replenish our savings a bit and have started to look around for cars again. We’ve got a fairly set idea of the type of vehicle we want, but we’ve also seen a fair few things along the way that have been very off-putting, too. That’s why I’ve put together a little guide for anyone selling a new car of things that you can do which will ensure you get a good price:

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Adulting

Minimising Excess Complexity In Your Professional Life

Minimising Excess Complexity In Your Professional Life

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Everyone wants to thrive in their professional life as well as in their personal life, and to enjoy the greatest possible degree of success and accomplishment.

Whether you are trying to excel and get promoted as an employee, or whether you are trying to achieve entrepreneurial success, however, there is a lot to be said for “keeping things simple,” and looking for ways to minimise excess complexity in your professional life.

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Adulting

Buying a House? Here Are Four Experts You Should Consult

Buying a House? Here Are Four Experts You Should ConsultImage credit

 Buying a house is one of the most significant financial decisions you will make in your lifetime. With a lot at stake, such a decision should not be made lightly or in haste. The best way to ensure that you get the house of your dreams is to bring aboard experts who will guide you and take you through the process. This blog post outlines the four experts whose services you will need the most when purchasing a house.

Financial Analyst (Credit Expert)

A good credit score has numerous advantages for home buyers; the most important being that It will significantly help you get a better interest rate and a lower down payment on your property loan.

Although you may be able to generate and keep track of your credit score on your own, seeking the services of a financial analyst is a smart move, especially when purchasing a house.  A financial analyst will generate your credit and advise on how you may improve your credit rating in the right way based on the current score. For example, they may suggest paying some of your debts or reestablishing credit to bump up your credit score as you prepare to purchase a house.

Real Estate Agent

A real estate agent who knows the local market well will help you navigate the complex process of finding the perfect house.  They will be instrumental in helping you browse through the listings available for purchase, arrange for house viewings, help you negotiate the best deal for the house of choice, and guide you through the process of closing in on the mortgage. Hiring your agent as a buyer ensures your interests are taken care of throughout the entire process. 

 Mortgage Broker

Unless you are purchasing your house with cash, you will need to take a mortgage for your home. A mortgage adviser will help you determine if you are prequalified for a mortgage. The mortgage broker will inquire about your earnings, savings, and other personal finance-related questions before they decide whether or not you qualify for a loan and advise you on the nature of loans available for you. Additionally, the mortgage advisor will advise you on where you will get the best interest rates, guide you on all the documents you need to get the mortgage approved, and answer any of your house purchasing queries.

Home Inspector

When buying a house, the services of a home inspector will help you make a decision whether to buy the house or not. An inspector will carry out an unbiased, detailed check of the house on your behalf and come up with a list of anything that will need to be repaired or replaced. They will assess the house’s structural components and check the walls, floors, roofing, and windows. They will also determine if the plumbing, AC, and electrical systems are in perfect working condition or if they need repairs

The home inspector works directly with you, so do not be afraid to request that you be present when they inspect the house.

The inspector’s  report will help you determine if you will ask the seller to carry out repairs or if you will decrease your offer amount as you proceed with the purchase.

Conclusion

The process of home ownership can be a long and complicated one. Many parties will come aboard during different times in the purchase process, and knowing what each one does will help you make the purchase easier. Although this is not a definitive list, the above four experts play the most significant roles in a house purchase, and knowing what they do and having them aboard will streamline the purchase process.