Smart-Home Tech That Helps Homeowners Age in Place. Those ages 55 and above say they want solutions for home maintenance, safety and security and making daily life easier. So, share these devices with your clients.

According to a study by insurance company The Hartford and the MIT AgeLab, older Americans’ top concerns with their home are:

Home maintenance (40%) Safety and security (18%) Making day-to-day life easy and convenient (16%) Saving money (8%) Saving energy (8%)

Sixty-six percent of adults ages 55 and older say they plan to remain in their home over the long term, according to Freddie Mac data.

Looking for your own smart home? Let's connect today.

Matt Klinowski aka Naples Golf Guy | Downing Frye Here's to living the good life in paradise, Matt

Chase Bank; Studio City, Los Angeles, CA; January 22, 2022. Former Home Savings branch with mosaic designed by Millard Sheets Studio. This branch opened in 1969 and later became a Washington Mutual branch. @Chase took over after WaMu failed in 2008. 📷: #Pentax ME Super 🎞: @fujifilm_profilm 100 🧪: @cinestillfilm Cs41 #chasebank #bank #mosaic #millardsheets #homesavings #washingtonmutual #wamu #Sign #Signs #Signage #VintageSignsRule #IPulledOverForThis #Vintage #Photography #picoftheday #photo #FilmPhotography #ShotOnFilm #filmphoto #FilmCommunity #35mm #ShootFilmUnder1000 #Pentax (at Chase Bank) https://www.instagram.com/p/CfPWGxMvFaV/?igshid=NGJjMDIxMWI=

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Inalsa Vacuum Cleaner Bagless Cyclonic Clean Max -1900W with Turbo Brush and Dual Proair| Energy Efficiency Rating A| Variable Speed Control| Exceptionally Low Sound, 2 Year Warranty, (Blue/Black) | Offer | Price in India

Effective Cleaning – Clean Max comes with variable speed control function to keep you in control of the way you desire to use the productAdvanced Turbo Brush Design – This feature ensures good riddance and capture of all the pet hair lying in every corner of your homeSave On Your Energy Bills: The vacuum cleaner carries an energy-efficiency rating of A (most efficient), which means lower energy…

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Tips for Saving for your First Home

Tips for Saving for your First Home:

Saving for your first home can be a daunting task. Here are a few tips to get you started on the right foot.

Start small and increase your savings over time. Even if you can only save a little bit each month, it will add up over time.

Automate your savings. Set up a direct deposit from your paycheck into your savings account so you don't have to think about it.

Make a budget and stick to it. Determine how much you can realistically save each month, and make sure not to overspend in other areas so that you can reach your goal.

Consider a longer timeline. If buying a home within the next few years isn't realistic, that's okay! Start saving now so you'll be in a good position when the time comes.

Down Payment: How Much is Enough?

You've saved up for years and are finally ready to buy your first home. The only thing standing in your way is the down payment. How much do you need to save?

Most lenders require a minimum down payment of 5-10% of the home's purchase price. However, if you can afford to put down more, you'll be glad you did. A larger down payment means a smaller monthly mortgage payment, and that can make a big difference over the life of the loan.

If you're not sure how much to save, start by talking to a lender. They can help you understand what's required and give you some options based on your budget. With some planning and discipline, you can quickly reach your goal of becoming a homeowner.

Mortgage Insurance:

Mortgage insurance is a type of insurance that helps protect lenders from losses that can occur when a borrower defaults on their mortgage. It can be required for conventional and government-backed loans, typically costing between 0.3% and 1.5% of the loan amount annually.

For borrowers who are looking to save for their first home, there are a few things to keep in mind when it comes to mortgage insurance. First, make sure to shop around and compare different lenders to see who offers the best rates. Second, consider making a larger down payment to help reduce the amount of mortgage insurance you'll need to pay. And finally, remember that you can cancel your mortgage insurance once you've built up enough equity in your home.

Home Maintenance and Repairs: Tips for Saving for your First Home

Saving for a home can be daunting, but with careful planning and budgeting, it is possible to achieve your homeownership dreams. One of the biggest expenses associated with owning a home is maintenance and repairs. Here are some tips to help you save for those unexpected costs:

Set aside a fixed monthly amount for your home repair fund. This will help you stay ahead of repairs and avoid dipping into your other savings account when something goes wrong.

Make sure you have an emergency fund to cover any major repairs that may come up. This will give you peace of mind knowing that you have the financial resources to handle whatever comes your way.

Stay on top of routine maintenance tasks like changing the air filters and checking the smoke detectors.

Closing Costs:

When it comes to buying your first home, saving for a down payment is often the biggest challenge. In addition to coming up with a down payment, you'll also need to budget for closing costs.

Closing costs are the fees charged by your lender, real estate agent, lawyer, and other professionals involved in the home-buying process. These fees can add up quickly, so it's important to be prepared.

Here are a few tips for saving for your first home:

Start early: The sooner you start saving, the more time you'll have to reach your goal.

Make a budget: Track your spending and cut back on unnecessary expenses.

Invest: Investing in stocks or mutual funds can help you reach your goal faster.

Conclusion

In conclusion, saving for your first home does not have to be a daunting task. By following these simple tips, you can get started on the right foot and enjoy becoming a homeowner.

my undiagnosed ibs is screaming i nearly died in the middle of homesavers

you know those 18 boxes of skinny whip bars I bought in town on saturday, that barely fit in my bag, that I spent the last of my money on, that the cashier looked at like i was crazy, and that I intended to last me at least an entire month? my mother managed to eat nearly all of them in 3 days 🙄 im amazed she hasn't been glued to the toilet the last couple of days, cause eating too many of those things gives you the runs. she says she'll buy me more, but I was excited to try the new flavours the store in town had, and our local homesavers only has two flavours (one of which is a flavour combination I've always hated, the other one of which I'm sort of bored of).

she keeps telling me to leave the boxes in my room instead of the kitchen to stop her from eating all of them as she knows her self-control is poor, but I don't want to do that, bc my self-control is also poor, lol. what happens when my stomach is growling in the middle of the night, and the skinny whip bars are right there in my room with me? I'll try to resist at first, then I'll eat one to satisfy my hunger and tell myself that it's fine bc it's only 96kcal, and then I'll binge and won't be able to stop myself eating an entire box at once.

Teaching kids money skills early to raise independent capable home owners later 🏡 Build your kids’ money💰 skills while they’re home from school | By Consumer Financial Protection Bureau #teachkidsearly #homesavings⠀ https://buff.ly/2Lmy1sv (at Cleveland, Ohio) https://www.instagram.com/p/CAGAIfwJhPo/?igshid=17jp344kiwt0s

" a year from now you may wish you had started today " • •♡• • • Let's do it. •  Have an awesome Thursday!  • •♡• •  #dreambig #buyingahome #firsthome #firsthometogether #firsttimehomebuyer #homesweethome #myfirsthome #homebuying #homeowning #homeownership #homepurchase #homesavings #savings #millennialmoney #millennialhomebuyer #millennial #jolitaproperties #jolitaproperties #jolitasellshomes #exprealty #exprealtyproud  (at Highland Park, Illinois) https://www.instagram.com/p/B7Y1zuXnREV/?igshid=3jj3xrq94xus

If you want to save money on home insurance be sure to shop around. Look at different companies and see who gives you the best rates. Home Insurance Web is one website that allows you to compare prices for different home insurances. https://www.homeinsuranceweb.com #moneysavingtips #moneysavingideas #thermostat #savemoney #dollarsaver #moneysaving #savingmoney #debtfreecommunity #financialpeace #homeinsurance #homesavings https://www.instagram.com/p/B1EVJh-H8Ag/?igshid=1rshlf28sr9fj

Uk Home Save LTD || Professional Team for home Energy Saving

UK Home Save Ltd is completely committed to helping and educating homeowners how to: Save energy, save money, save time and inadvertently save the environment. Our experience has shown us that nearly all homeowners would like to become more energy efficient, but are unsure of where to begin, who they should contact, what if any financial help is available or how to fill out paperwork. Nobody enjoys the headache of completing lengthy application forms and contacting numerous organisations regarding any available grants for home energy improvements so let UK Home Save come and assess your home and advise on what measures are available that we can supply and install to fit all budgets and if there is any complicated paperwork we can help you in all aspects.

Uk Home Save LTD offer an independent advisory service that guarantees to help Home owners save money on all their household bills. Uk Home Save is helping the people of the North West save money on utility bills including gas, electricity and water. We offer a full house energy audit using the latest technology including the use of thermal imaging cameras to assess where energy is being lost in the home, this will allow us to make impartial recommendations where mostly inexpensive improvements can be applied that will quickly bring a return on the investment so that the customer will soon be in profit as a result of the energy saving solutions that we advise and install saving hundreds of pounds each year on their current energy bills We at UK Home Save Ltd are working closely with many different partners who have developed cutting edge products, so that for a very little outlay huge savings can be made which will make the decision to adopt these measures quickly self funding and not leave the homeowner out of pocket. Our complete home audit services are completely free, and with no obligation to pursue any of the recommendations we make.  This is perfect for anyone wanting a free 30 minute consultation and are interested in saving energy which in turn will guarantee to save you money.

Services:

Roof and loft Insulation

Heat rises, and in an insulated home, a quarter of heat is lost through the roof. Having UK Home Save insulate your loft, attic or flat roof is a simple and effective way to reduce heat loss and reduce your heating bills.

Loft insulation is effective for at least 42 years and it should pay for itself many times over.

Houses in the UK mostly have either solid walls or cavity walls:

A cavity wall is made up of two walls with a gap in between, known as the cavity; the outer leaf is usually made of brick, and the inner layer of brick or concrete block.

A solid wall has no cavity; each wall is a single solid wall, usually made of brick or stone.

Cavity wall insulation

If your home was built after 1920, the chances are that its external walls are made of two layers with a gap or cavity in between. Cavity wall insulation fills that gap, keeping the warmth in to save energy. It can also help reduce condensation inside the house if this is a problem stemming from your external walls.

Solid wall

Insulating your solid walls could cut your heating costs considerably, because solid walls let through twice as much heat as cavity walls do

Floor

Insulating under the floorboards on the ground floor will save up to £55 a year, and we can seal the gaps between floors and skirting boards to reduce draughts too.

Draught-proofing your home

Both draughts and ventilation let fresh air into your home, but good ventilation helps reduce condensation and damp. Draughts are uncontrolled: they let in too much cold air and waste too much heat.

UK Homesave LTD Draught-proofing around windows and doors could save up to £50 per year. Draught-free homes are comfortable at lower temperatures – so you’ll be able to turn down your thermostat. This could save you another 10 per cent off your heating bill.

For more details visit on our website anytime. We always happy to help you.

Website: http://ukhomesave.com

Got my workout done #homeworkout #homesave #cardio #cardioworkout #stayinghealthy #stayingpositive #latinastrong #bosslady (at San Antonio, Texas) https://www.instagram.com/p/B-SRNUYnYz2/?igshid=nlojll3oj2c

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Increase the Value of your home, contact us today for a free estimate!

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Financial emergencies – common examples and how to get prepared

Live isn't all doom and gloom, don't worry! We're not here today to tell you to watch out the window constantly in fear of your car deciding it needs a new drive shaft, or to questioningly eye your boiler each day in fear of it having broken overnight.

What we are here for is some sound advice on financial emergencies and how you can get covered to avoid them impacting you negatively. Hopefully you're a lucky person and you never need to spend on something like the below happening, but even if that's the case you should have some funds set by with a realistic expectation of what the common occurrences are and how much they might cost you.

As you might imagine, a lot of these costs are related to commuting and households. You might also, however, find yourself with a unique situation that is based on what your hobbies or other activities are. You can easily use these common examples below as a sound reference to help give you an idea of how to plan and transfer the principle of saving against emergencies as suits you best.

That doesn't sound good – the car issue

First on the list and for good reasons – some cars are just infamous for having mechanical faults and many of us are all too familiar with the awkward standing around as a mechanic eyes up your car and periodically sucks air through their teeth! Cars are notorious examples of trip up hazards that can catch out an average person like you and I financially.

We can't give you exact examples of what cost might be; this is due to the massive diversity in common cars used for work and personal travel. The best advice to offer here is to use the internet and make some searches based not only on the type of car you have, but its mileage and any other relevant wear and tear factors.

It's the best way to get an idea of your wheels and where they tend to trip up. Some car brands and lines are renowned for reliability in certain areas while falling short in others; if you know your car is likely to need a drive shaft replaced in the years to come you can make a quick check of the costs of parts and installation and plan your savings accordingly.

We've got to make an important point here. You can't afford to leave it gung ho when it comes to your livelihood and cars are a critical part of getting to work for many. Taking the time to get a solid run-down of your potential expenses should a breakdown occur is not only a good idea, it's necessary. You'll feel great when you do the task, so get on with it as soon as you can!

The boring boiler's broken again!

Home maintenance costs are defined in many cases by the infamous boiler. This is in part due to the fact that you need to get it fixed so soon; you bet that emergency repair services cost a little more than those that can wait! If it comes to be and you just can't get things sorted, you could do a lot worse than come chat with us, the experts in financial aid, to see what we can do to keep you on your feet.

Instead of recycling the content of a great website, we recommend going straight to the Heating Hub to take a look at their fantastic and very concise run-down of average repair and replacement costs. You can use this great chart and advice page as a reference to help make sure you are getting a sound deal should the thing fall apart on short notice. Sorted!