Best Cities in the USA to Buy a Home

There are housing markets in the United States where your budget will buy more property for your dollar, and there are housing markets where your dollar buys considerably less.
The not-cheap property markets include the West Coast and Hawaii and much of the East Coast. But this does not mean that there is nowhere in the United States where you cannot find attractive and affordable housing that you have been dreaming of. You might just have to look at the prospects from a different viewpoint.
If you are considering a move to an area where housing is more favorable to your retirement budget, or you just want to relocate to where the cost of living (COL) is not as high as your present location, why not explore some of these communities?

Springfield, Ohio

situated between Dayton and Columbus, the economy was formerly driven by its biggest local employer, International Harvester. Now, Springfield’s industry centers around warehousing and technology. Because of a steady decline in population, there is an above-average inventory of attractive and affordable housing.
Population: 137,206
Median home price: $76,000
Median income: $53,500
COL: 83%
Monroe, Michigan: the third oldest city in Michigan, Monroe rests midway between Detroit and Toledo, Ohio. It is home to Laz-Z-Boy Furniture, Monroe Shocks & Struts, and headquarters to Tenneco. Monroe once was thriving as part of the auto industry; its surviving industries are agriculture and other manufacturing. The population remains steady with little anticipated growth.
Population: 151,048
Median home price: $120,000
Median income: $63,700
COL: 88%

Davenport, Iowa

The heart of the Corn Belt, Davenport is situated on the Mississippi River. “The American Dream is palpable here,” according to the city administrator. Its economy is supported by agriculture, food processing, financial services, and manufacturing. Davenport’s real estate has remained fairly stable.
Population: 382,630
Median home price: $94,000
Median income: $63,100
COL: 82%

Knoxville, Tennessee

Third largest city in Tennessee, its economy is driven by government employment, professional services, education, healthcare, retail, leisure and hospitality, and manufacturing. Its favorable tax structure benefits businesses and individuals.
Median home price: $140,000
Median income: $60,700
COL: 79%
Population: 18,874

Mansfield, Ohio

This northeastern Ohio town treasures its “all-American small-town vibe.” The population has declined over the past decade with the loss of much of its heavy industry, but its manufacturing sector is now more diversified. Although the Mansfield economy continues to improve, the housing inventory is still large.
Population: 122,673
Median home price: $91,000
Median income: $54,600
COL: 79%
There are many reasons to relocate from one area to another, including the benefit of reducing your cost of living. While none of these cities may be considered major tourist attractions, each has its advantages. And none of the cities is situated far from other major metropolitan areas.
Let the spirit of adventure inspire you to use the internet to search for more data about the communities of interest to you. Another excellent resource for building your “my new home” file is to contact the Chambers of Commerce and Visitors Centers for information packets. Subscribing to an online version of the local newspaper can give you additional insight into the possibilities and concerns of the community. Have a thouragh search online with our disired filters and be sure you will get the best of the best that just fits you perfectly.

5 Easy Updates You Can Do To Your Basement

The basement is an important part of your residence, and remodeling it will not be a bad idea after all. However, one needs to have adequate money to perform this task. Although you might be on a limited budget, you should consider renovating your basement which will help to increase the value of your home. Below, we have mentioned some essential tips on basement remodeling that you can do on your own.

1. The Ceiling

The presence of exposed pipes and ducts in your basement is not desirable; however, the installation of a ceiling in the cellar can prove to be expensive. Although you might consider hanging a drywall ceiling, you need to take the help of a professional to do so. Otherwise, you can hang a drop ceiling on your own even though it will require plenty of skill. The best thing will be to paint the walls of the basement as well as the ceiling in such a way that the exposed ducts and pipes blend with the fresh coating of paint and become less noticeable.
2. The Furnishings
Adding furnishings to the basement is recommended, and it is important to stick to some tips in order to avoid spending excess cash for doing so. While shopping online or at any thrift store, try to find some inexpensive pieces which you can use just as they are. A fresh coat of paint can be effective in making any old furniture appear new once again. Moreover, make it a point to purchase objects which can serve you in various ways, for example, a sideboard table having storage baskets underneath. The use of vibrant colors and blending different styles together should help to create a funky design in the basement.
3. The Floors
It is possible to make the floor of any unfinished basement appear much better by taking certain measures. One of these would be to purchase a couple of large area rugs. Otherwise, you may also consider installing some affordable vinyl tiles on the floor. While laying the tiles, make it a point to maintain a straight line by using chalk lines. Laminate can also be used for your basement flooring, and you need not spend a considerable amount of cash for it. Apart from being inexpensive, you will also find it very easy to install laminate which will snap properly into place.
4. The Walls
The installation of drywall in your cellar can be done by yourself. Place one solid frame using 2x4s on the floor and mark the exact spot where the wall is going to stand. Place the frame upright along the board’s length. Also, place the studs at a gap of 16 inches from one another. Next, hang the drywall panels by nailing them into the proper position where the drywall’s edges meet the studs. The seams should be covered with drywall tape. Following this, cover the drywall seams and all the nail holes using mud. You can paint the walls after the mudding has dried.
5. Add Some Lighting
The majority of the basements do not have too many electrical outlets, and this make them appear gloomy all the time. You can avoid this by adding some more lighting to your cellar so that it turns out to be a properly illuminated space with a playful ambiance.

DIY Paper Towel Holder

A paper towel holder is a regularly used item that can be found on most kitchen countertops. Holding paper towels is not the only use for this handy gadget. With a little creative thinking, and the collection of a few items you probably already have lying around the house, you can be on your way to constructing unique ways to better organize your things.

If you already possess, or if you happen to come across a pair of ice tongs, this is a great decorative way to hold a roll of paper towels. If you want to go for more of an antique look, grab an old lamp and place a roll of paper towels on its’ post. Just top it off with an interesting knob. If you’re one who loves to travel, an old globe stand is the perfect decorative piece that can also double as a paper towel holder. Rigging up a wire hanger to place your rolls on enables you to conveniently hang your towels wherever you need them to be. This is also a handy way to keep trash bags within reach as well. A towel rod works great at keeping trash bags easily accessible in your garage or shed.

Have any wooden utensils sitting around, ready to be swapped out for something new? Clean up the old ones, apply some stain or paint, and turn them into a paper towel holder. You now have an interesting yet functional new addition to your kitchen counter.
If you’re a handyman (or woman) you may have these next items on hand ready to be up-cycled. Take a flathead screwdriver and attach to a wooden wall plate for a very interesting paper towel holder. And if you’re trying to save your counter space, using plumbing supplies that you may have leftover does the trick quite nicely.

There are also various ways in which a paper towel holder can be used besides holding paper towels. Such accessories as belts, scarves, ties, and even hats stay nicely organized on a rod and hinge holder. Another great way to stay organized is by creating a gift wrapping center by using a paper towel holder to hold tape and ribbon. You can even use a paper towel holder as a way to serve guests a delicious dessert of treats, like donuts!

Is Buying a House Worth It?

You’ve probably heard peers, family, and coworkers that you should purchase a home. It is normal to be of two minds about this project given that the investment required is substantial, and if you are paying for it through a house loan, it will impact how much of your salary you get to keep for the next twenty to thirty years. Just the same, there are several explanations why buying a home a wise idea.

Upsides of Purchasing a Home

The bottom line is, you’ll be more satisfied going home to your own place in comparison to just renting it primarily because it offers you a feeling of stability, security, and pride. Also, when you purchase a house, you can renovate to accommodate your growing family or to match your preferences or needs. Liberal landlords are difficult to find, and it is almost impossible for renters to do significant renovations.

If you’re a young adult who already has a family and thinking forward to the next three to four decades, buying a house is worth considering because it can give some protection against inflation. Furthermore, paying the mortgage is less expensive than renting and in contrast to the latter, your loan payment that would go to principal repayment for your house isn’t a cost since you are merely paying yourself by building equity. You can regain the money you invested into your house if you decide to resell it. In addition, you will also get cost savings from reductions in taxes by buying a home. In the USA, real estate property taxes for your 1st house or your vacation property are deductible for income tax purposes.

Advice on Buying

Considering that you will be staying in your home for many years, picking out the location is crucial. Where you decide to live will impact how you live. Furthermore, your location will impact lot size, and how much peace and quiet you can get. Different locations will have distinct qualities, so it is best to choose one that suits your character. Ease of access is also a crucial thing to consider. Pick a location that is in close proximity to work, school, and other important amenities. Safety is also a major consideration because it will impact your home life significantly. The Internet is a great useful platform to check out about the housing market. For instance, if you are looking for St. Louis county real estate properties, you simply enter those same keywords in a search engine to find helpful information on neighborhoods there.

Select a house that can offer you the exactly you need but at a cost, you can afford. If selecting St. Louis open house is an overwhelming task for you, consider hiring an estate agent. They can help you narrow down your choices and take much of the effort of getting a house.

Do you believe renting a home is less expensive than owning? Many renters suffer from the same belief, unsure which option is best for their particular circumstances. Many renters dream of owning a home, but they’re reluctant to pursue this option fearing they’ll never be able to afford it. Unfortunately, a hot real estate market with escalating property prices reinforces this pessimistic attitude.

Before you give up hope, here are some revealing facts you need to be aware of: After factoring in individual freedom, tax deductions, future rent increases, and the ability to build equity, you’ll be surprised to learn home ownership is actually less expensive in the long term. When you take into consideration the thousands of dollars in potential equity that could be built, you can’t afford to not buy a home.

When you own a home, you’ll be able to deduct most of your monthly loan payments from your taxable income. Therefore, what you actually spend for a home may decrease depending on your particular Federal, state, and local marginal income tax rate (MTR). The savings could amount to twenty to forty percent of the actual payment you make each month.

For example, let’s assume your monthly mortgage payment (including principal, interest, property taxes, and insurance) is $2,000. After considering all tax deductions, your actual monthly payment will be around $1,400 a month. Your actual savings will vary depending on your particular situation. The point you should remember it don’t assume home ownership is more costly than renting. You should consult with a loan agent and tax advisor to see if home ownership would be in your best interest. You may be surprised to discover how advantageous owning real estate is.

As a homeowner, you’ll benefit financially and enjoy the benefits of personal freedom. Gone are the days of living with an overbearing landlord imposing their strict rules on your visitors and pets? If you ask many first time home owners, the sacrifices required to purchase your own home are well worth it. When you evaluate the pros and cons of being a homeowner, don’t forget to consider the additional advantages of personal freedom and stability.

At first glance, the monthly cost of ownership may seem higher than renting. This may be especially true in areas of the country where the cost of real estate is hot. However, it’s important to look at the big picture. The financial benefits of ownership are a long-term process and you can save thousands of dollars over time.

As a home owner, you have the potential to create a large amount of wealth. History has proven that even when the real estate market fluctuates up and down, homeowners outperform renters when it comes to their financial gains.

A Guide for DIY Home Improvement

Many enthusiasts of DIY home improvement differentiate between two specific classes of projects. The first class involves major renovations in the house, including:

o Replacement of floors

o Installation of new insulation

o Installation of a new roof

o Installation of wooden fences around a yard

The second type of DIY are smaller projects that delivers creative pleasure to the ones engaging in them. These small projects typically involve adding small yet useful objects inside the house. Though most of them involve one form of furniture or another, these smaller projects are recommended for those who are just beginning with DIY home improvement.

Small ideas but nice results

Free time, a bit of cash and a lot of good ideas is all you need to think of your own DIY home improvement project. Here are some ideas to get you started:

o Windows- if you’ve been thinking for the longest time that the windows in your bedroom are creepy at night, why not replace them? Contrary to popular belief, it is easy to replace windows. All you need are a few traditional tools like a crowbar and a hammer, or a saw in some instances. Simply measure the window’s dimensions and purchase a window of the exact same size. Take down the old window frame, taking utmost care not to damage the glass. Then simply install the new window sets using window glue and a few bolts or nails.

o Gates- gates can be customized. If your own gate allows it, you may attempt to install name plates on your own gate, to identify your house easily. This would be a great idea especially if you live in a housing neighborhood, where houses generally look alike.

o Extra utility table- If you don’t have enough table when you go out for a yard picnic, why not build one yourself? All you need would be small planks of wood and a little ingenuity. First determine what particular table size you want. After making the proper measurements, simply follow the configuration of picnic tables you see everyday and voila, you have your own picnic table. DIY projects that involve wood are often durable because wood is a sturdy material.

o Floor design- tired of visible scratches on your floor? One way to successfully remedy old floors is simply installing new vinyl. Vinyl comes in a variety of colors and designs so you would be having a lot of fun and choices by simply choosing the design you like. The installation of vinyl is even easier- you simply need contact cement or other forms of strong adhesives to attach the vinyl to your floor. Just find the center of the floor area using a nylon thread and divide each area into quarters. Start with 1 quarter and finish by cutting to size when you reach the edge.

o Wall design- wallpaper is still in. You simply have to know how to install wallpaper properly. First, the walls must be free from dirt, moisture or grease before the application of the adhesive. Let the adhesive dry a bit first before attaching the wallpaper in small, manageable strips. Watch your bedroom or your living room come alive with the new look.

Tips for Basement Remodeling

Having a basement at your home can come with a lot of benefits and at the same time with a little bit of challenges if you don’t know how to maintain it. You can decide to switch between many forms of basement remodeling ideas and designs available but first you have to consult with a basement renovation contractor. Their expertise can help you in making sound decisions on the best ideas you can bring in for basement remodeling. Here are some brilliant ideas in which you can suggest for that exquisite look in your home:

  • Gym-If you are that person who is really strict to matters of body workout then consider to transform this place into a Gym. Several sporting or weight lifting equipment can be installed with the help of your contractor. You can also put up an additional air conditioner within the space to enhance proper air circulation with the aid of the contractor.
  • Kids play area- this especially important to your kids since as they grow their bodies require enough exercise for the best metabolism. You can transform the place into a virtual Disney world by bringing in game console and lots of entertainment gadgets available in the kids stores.
  • Reading section- this can be enhanced by simply bringing on board the unused shelf in the house or soliciting one at your nearest furniture store. On top of that you can ask the contractor accompanying you on the available designs which can be applicable with the size of the available space so as not to staff up things haphazardly.
  • Music studio- if you are an ardent fun of good music, or you are trying to record some music and you hardly find time to do so, consider transforming the basement into a music studio. Inquire on the pocket friendly sound proof which will not pose any disturbance to the households available. Also you may opt to install some recording instruments with the help of the accompanying contractor.
  • Workshop- another good idea is to transform this place into any form of workshop you may require that is within your professionalism or hobby. Maybe you are good at drawing, an activity which requires a lot of concentration and time. You can bring all your painting gears in place and you will be good to kick off.
  • Home theater- for the lovers of movies and family shows you can invest on the best audio-video equipment, a good couch and a fridge filled with lots of snacks and beverages. Just make sure to install sound proofs in these theater to reduce noise disturbance both inside and outside the venue.

Welcome to My New Blog

Hi Everyone,

And welcome to my brand new blog! My name is Jessica Summerlin, and I am a resident over in Atlanta. My blog is unique – It is going to be about all things in the home. We will discuss DIY home repairs, How to use a good contractor, and many other ideas in order to help homeowners have the resources they need in order to keep their homes looking beautiful. We will also talk about how to successfully complete home improvement projects, from DIY to hiring people yourself.f

Stay tuned!