What Are the Challenges of Buying a Historic Home?

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Home is where the heart is, so the saying goes. For many, that means a personal connection with a home and community. That often entails buying a home in a historic neighborhood. Buyers want to be located in a historic part of the city and have a home with unique features like carved moldings, custom fireplaces, and vaulted ceilings.

In some older cities, homes can date back to the 17th century, but often, historic homes were built in the late 19th or early 20th century. Historic homes are registered with the National Register of Historic Place, and they are deemed historic or “architecturally significant” if they exemplify a certain architectural style, demonstrate the essence of a certain period in history or are associated with a famous person.

Historic DIstrict SignHistoric DIstrict Sign

Located in a Historic District

When you consider the purchase of a historic property, you first need to determine if the home is located in a historic district. The United States has 2,300 local historic districts, and those districts place specific regulations on modifications to the property. Before you buy, you need to determine the rules that govern the district. Often times, a historic review board must approve any renovations to the property. The goal is to preserve the community’s historic feel. You don’t want someone adding modern elements to the façade of a historic home.

There is much debate about whether buying a home in a historic district is a good financial investment. Some find the regulations burdensome, but others believe there is strong demand for historic properties that have been well preserved.

“I think buyers see a property in a historic district as a negative because it restricts what they can do,” says Paul Whaley, of Boston’s Coldwell Banker Residential Brokerage. “Investors don’t like it either as it takes longer for approvals. In general, I think it depresses the value of a property.”

However, some studies have proved otherwise. In 2011, a study was done of historic districts in Connecticut, and it concluded that property values increased 4% to 19% annually. A different study of properties in New York City found that values between 1980 and 2000 increase more significantly for properties in historic districts on a per square foot basis.

An Emotional Investment

For many, buying a historic property is an emotional purchase. Historic homes are unique and often have a great story. People feel an emotional connection to the property and the historic community. That is not necessarily a negative, but it’s important to acknowledge that the emotional connection exists. You want to fully realize any potential problems without making an unwise decision. Step back and give some distance when making a decision that has such an emotional investment; it will minimize the chance for buyer’s remorse after purchasing.

Expensive to Maintain

Historic homes by their very nature are old and generally more expensive to maintain than newer construction. Unless they have been updated, the sewer, wiring, and electrical systems can be a nightmare to maintain. Plus, there is always the chance that significant water damage has happened over a long period of time. To conduct maintenance in these areas,  you often need to hire a specialized contractor, especially if changes must be approved by a historic review board. That means living in a historic home can be an involved commitment and require a significant amount of financial resources.

Possible Lead Paint and Asbestos

Lead paint and asbestos used to be common building materials in the United States, but they are now banned. When they are discovered in a historic home, you are often required to hire specialists to mitigate the problem. Lead paint and asbestos are both highly toxic substances, and you do not want them causing health problems to you or your family. You want to have them disposed of properly.

Historic Cape May HouseHistoric Cape May House

Mature Landscaping

Historic homes have been around for generations, and that often means the landscaping has been highly refined. Trees and shrubs are probably mature and well established. This might be an attribute that you desire, but it is something you need to be aware of when purchasing a historic home. You might have less ability to make major modifications to the landscaping.

Possible Tax Incentives

If you purchase a historic home, you might be eligible for tax credits for making modification and improvements. The federal government encourages people to purchase and rehabilitate historic structures and offers the Federal Historic Preservation Tax Incentives program. The program has helped preserve 44,341 historic properties since 1976, and has seen $96.87 billion worth of private investment. States and local communities also offer historic preservation tax credits. For example, Georgia offers a tax credit for 25 percent of qualified rehabilitation costs.

Financing and Insurance Can be a Challenge

Lending institutions often shy away from financing some historic properties, because they can be viewed as a higher risk. Lenders will often charge higher interest rates and fees when providing a mortgage for a historic property given the increased risk. As well, many historic homes do not qualify for a Federal Housing Administration loan guarantee. It’s a good idea to do your research before you make an offer on a historic home. You don’t want to get into the process and realize it will cost a lot more than you anticipated.

The same can also apply to homeowners insurance. Insurance companies want to limit their exposure, and they don’t want to have to pay to repair a historic home to its original condition. Unique architectural elements can be expensive to replace. Many times, insurance companies will want to have someone personally inspect the property before the policy is written. You will probably need to find an insurance company that specializes in covering historic properties, especially if the home is over 100 years old.


James Shea is an award-winning journalist and author. He owns Media Lab, a content marketing and search engine optimization company is Richmond, Virginia.

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Source: homes.com

Could You Move With 30 Days Notice? Now You Can!

Sometimes you have a “normal” home buying or selling process. The agreements are done, you have 45 days until closing and your lists are prepared to help you move. But, sometimes, that perfect home comes out of nowhere, and you have less than 30 days to get your life packed and onto the next adventure. Sounds stressful, right?

Lucky for you, our friend, Jennifer Ciani, of blog Simply Ciani, is here to share her expert tips (as this is a real-life story of her current moving situation).

How much moving supplies will you need?

When moving, it can feel like the number of things you own doubles overnight, am I right?  The guide below can help you figure out how many boxes you will need for each room.

Tip: Don’t just pack up and move unwanted items from one home to the next; take this opportunity to sort through things into “keep” and “donate” piles. Visit these resources for more decluttering tips during a move.

Jennifer typically uses between 75 to 90 boxes for moving a three-bedroom home. You can always return what you do not use, but it’s better to have more than enough rather than making run after run back to the store to buy more!

The Art of Tape

Now that you’ve assembled the boxes you need, another vital piece of the equation is the tape you use. Spoiler Alert: the tape you use to wrap your holiday gifts is not going to cut it. Jennifer recommends investing in good, sturdy tape, like Heavy Duty Scotch Tape, so that your items arrive at your destination in the condition you packed them in. The last thing you need is the bottom of your box to fall open after you spent all that time wrapping up your belongings.

Jennifer’s Taping Tip: Tape the box across both flaps, then tape once down the center line, then again on either side of that, overlapping the sides of the tape to create a strong hold.

 Labeling

Label each box so that it has a final destination and anyone picking up the box can figure out where it goes. And be sure to label not where they came from in your current home, but where you want them to go in your new home. For an organization bonus, label some of the contents in the box so you can be sure the contents are going to the right room.

What to Pack First

Okay, it’s almost time to get to work packing everything up. Remember, good prep is half the battle for acing your move! Before you begin going room by room, Jennifer recommends setting aside a suitcase (or a few depending on the size of your family) along with two large boxes and a medium sized box. The suitcases are for your travels if you’re moving long-distance, and the boxes are you “first night boxes” in your new home. Here’s a cheat sheet of what to pack in each:

Packing Room by Room

Bathroom:

Start in the bathroom because it is the smallest room in the home and usually has the least amount to pack. Pack up all liquids and lotions, each in their own separate plastic bag. Place those in a box by themselves, separate from everything else.

The Kids Room:

If you have children, especially young ones, get them involved with the packing. Let them choose which items they want to pack up and make a game out of it! Try to see who can pack their boxes faster or count how many items fit into a box, or sort toys by colors. The more you involve your children, the less anxiety they will have.

Closets and Dressers:

Pack clothes first and leave the clothes on the hangers, placing a plastic trash bag over them for easy storage and unpacking in your new home. For clothing in dressers, take out the drawers of the dresser on moving day, load the dresser, then place the drawers back in them with the clothing still inside. As you fill up the truck, the other furniture and boxes will ensure that your drawers will not open and it’s one less thing you don’t have to worry about packing!

Home Decor and Dishes:  

Wrap breakable decor up with quality packing paper. Each item gets wrapped individually. One of the easiest ways to pack dishes is to place a foam paper plate in between each plate, then wrap the whole set up in bubble wrap. For coffee mugs and breakable glasses, wrap them with packing paper and pots and pans wrap up with extra bath towels.

Bedding:

Pack each bedding set together, including throw pillows. This way, once your beds are all set up, it is easy to put each one together again.

Garage and Tools:

Packing plastic wrap is great for keeping rakes/ mops/ brooms together, but when it comes to the tools, you might want to purchase large plastic totes to ensure that none of the tools get damaged in the move. Plus, it makes for easy organizing after moving into your new home.


Living the millennial life with my husband and Wheaten Terrier in beautiful Virginia. I document my life on Instagram and am ready to talk all things home-related at a moment’s notice.

Source: homes.com

Spring Wedding? Tips on Saving Money on Your Destination Wedding

Are you planning for a spring wedding? You are not alone; many love birds like planning their destination wedding for this time of the year. Spring is that unique season of the year where love is in the air, flowers are blooming as plants are blossoming.

Unfortunately, a wedding budget can kill your dream of a spring wedding before it sees the light of day. The question is; can you still enjoy an awesome wedding on a tight budget? Indeed you can. Our tips on saving money on your destination wedding have got you covered.

Spring Destination WeddingSpring Destination Wedding

Choose a Resort Offering an All-Inclusive Bundle

All-inclusive wedding bundles will enable you to get a flat rate on your whole wedding package. In fact, they can save you hundreds and even thousands on your wedding if done right.

These bundles may include food, sporting activities, drinks, makeup services, spa services as well as other guest events. As for drinks, you can have any of the three below:

  • Cash bar
  • Open bar
  • Consumption bar

A consumption bar can help you strike a balance between your guests getting some free drinks and paying for extra ones. You can make the bar open to your guests but set a spending threshold or a time limit with the owner. If the guests hit the limit or reach the set time, it can then be converted to a cash bar. This will save you money.

Another advantage of wedding bundles is that costs involving decoration, parking, photo sessions, and transport are reduced since your location is the same.

Combine Your Wedding and Honeymoon

Some resorts will offer you incentives and discounts if you combine your wedding with your honeymoon. Having your destination wedding and your honeymoon in the same location will help you save on traveling and other costs

You should, however, visit the place prior to the wedding to make sure it is diverse and interesting enough for both occasions. Another way to save would be to pack travel-sized items that you will need for your honeymoon to avoid buying from vendors.

Slash your Guests List

Naturally, a destination wedding doesn’t attract hundreds of guests; this ultimately reduces the financial pressure that comes with your wedding. Still, if there is a way you can further slash the guest list, do it by all means. 

Select an Offseason Date For Your Wedding.

Offseason wedding dates attract low rates and costs charged on weddings by resorts. Find out places which offer discounts for weddings on certain dates. As good as it sounds to your pocket, it is important to make sure that the dates you choose for your wedding won’t lead to a low turnout.

Additionally, for wedding festivities, you can choose a weekday to ensure even as guests come they won’t be overstaying as they also need to get back to their commitments.

You can also save your wedding costs by scheduling your wedding for a less traditional time of day. If for example the ceremony is planned for a weekday afternoon, the venues will charge less as compared to a Saturday afternoon event. Your guests might even drink less.

Consider Local Lenders for Your Wedding Supplies

Not everything you need for your destination wedding can be found where you are going to wed. You may need additional items and services. Consider local vendors who can offer reasonable prices from the wedding location rather than bringing vendors from home.

If you come with your vendors you have to cater for their travel and accommodation costs. Furthermore, if they are bringing items with them to a different country, you will have to cover the shipping cost directly or they will be indirectly included when you get priced.

Make sure you get recommendations from family and friends about the best vendors from where you are going to wed. You can also use Google and social media to find good vendors in advance.

The Take-Away

Destination weddings are the trend nowadays; this doesn’t mean you need to break the bank to have one. With proper planning, flexibility, and any of the above tips that suit you, you can whisk your love away to say ‘I Do’ in a destination of your dreams.

Source: creditabsolute.com

12 Hidden Costs of Raising a Child – Expenses Parents Should Budget For

A USDA report pegs the total cost of raising a child at $233,610, or $284,570 if you factor in future inflation. That includes only the basics however, and excludes costs like helping with college education, birthday parties, and holiday gifts.

Include those, and you’re looking at $745,634, according to a report by NerdWallet — a jarring amount, no matter how much you earn.

Most of us know that kids come with extra costs like clothing, food, and possibly college tuition. But what about the hidden costs of raising a child? Kids require more than food and clothes, and often the less obvious costs get lost in estimates of just how much children cost to rear.

As you consider having children or plan your finances for an existing family, keep the following costs in mind. Just remember that although these expenses are common, they’re not written in stone, and you do ultimately control how much your own children cost you.

Hidden Costs of Raising a Child

Many parents, particularly mothers, take a career break to raise young children in their first years and often up to school age. It’s not like pressing the pause button and resuming play where you left it. Taking an extended break comes with significant costs, some less obvious than others.

1. Lost Income

On the obvious side, you lose out on the income from those years spent outside the workforce.

Imagine a family where both partners work, and upon having their first child, the mother decides to take a career break. They have a second child three years later, and the mom decides to stay at home until the youngest starts kindergarten at age 5.

That’s eight years of lost income. At a median full-time salary of $52,312 calculated by BLS, that comes to $419,496 in lost wages, not including wage growth over the next eight years.

This says nothing of lost retirement benefits, such as 401(k) matching, or lost returns on your own contributions to investments you could have made with that extra income. Compounded over the next 30 years, those lost returns can amount to millions of dollars.

2. Lost Career Momentum & Potential

Beyond the lost years of income, becoming a stay-at-home parent can stunt your career potential.

By the time you’re ready to reenter the workforce, you’ve fallen vastly behind your colleagues who have had many years to climb the corporate ladder. They’ve been advancing and winning promotions, while you’d be lucky to reenter your industry at the same level where you left.

The opportunity cost doesn’t end there, either. In today’s world of disruption and fast-paced change, eight years of falling out of touch with industry trends, best practices, and technological innovations puts you at a deep disadvantage compared to people still in the workforce and up to speed.

The bottom line: parents who take a break of several years from their career may reenter the workforce at a lower level than they left, and advance less over the remainder of their career. While there’s surprisingly little research on this effect, one study by Adzuna found that Brits who took a five-year career break took an average annual salary loss of £9,660 (about $12,500).

3. Less Time for Side Hustles

Even among parents who don’t take a career break, they simply don’t have the same free time to build extra income through a side hustle.

Historically, I spent much of my Saturdays working on either my business or writing. When my daughter was born, that came to an abrupt end, first because I was so sleep-deprived and later because my wife wouldn’t hear of it.

My father told me growing up that the 40-hour workweek was a baseline for survival, and it’s what you do outside those hours that determines your success, particularly in your 20s and 30s.

Although I believe in creating passive income streams and pursuing financial independence, you need to save a lot of money in the beginning to build momentum. That comes from a high savings rate and a high income, which often requires side gigs.

It’s not so easy to run a business on the side of your full-time job when you have young children.

4. Higher Housing Costs

A family of two can share a one-bedroom apartment. A family of three, four, or five? Not so comfortably.

At the time of this writing, Apartment Guide lists the average one-bedroom apartment rent at $1,621, compared to the average two-bedroom apartment rent of $1,878. That’s a difference of $257 per month, or $3,084 per year, just to add one more bedroom.

Larger homes cost more money, whether you rent or buy. And with the extra square footage comes higher utility costs to light, heat, cool, and power the property and everything in it.

They also require more maintenance for homeowners. The larger the roof, the more square footage there is to spring a leak. The larger the lawn and grounds, the more time and/or money they cost to maintain. And so on.

Expect to pay thousands of dollars more each year for a home that can accommodate your children, not just you and your spouse.

5. Transportation Costs

The same logic applies to transportation.

According to Kelley Blue Book, the average cost to buy a new compact car is around $20,000. The cost to buy a midsize SUV? A hefty $33,000, representing a 65% increase in cost.

As with housing, the difference in costs doesn’t end at the sticker price. It costs more to insure and fuel a beastly SUV than an efficient compact. When your kids reach their teenage years and start driving, they’ll need car insurance, which many parents pick up.

(Personally, I had to pay for my own as a teenager, and I recommend you do the same with your kids to give them practice earning and budgeting for real world expenses. But I digress.)

Some parents even go so far as to give their teenage kids a car, whether a hand-me-down or buying it for them as a gift.

Again, these costs remain voluntary. But it’s harder to drive your kids, their friends, and their gear to hockey practice in a sporty compact than in a minivan or SUV.

6. Medical Costs

People of all ages need medical care. And in the United States, medical care is expensive, no matter how you approach it.

Higher Health Insurance Premiums

Adding more people to your health insurance plan adds to your monthly premium. Period.

Well, not quite period. Some insurers, like Blue Cross Blue Shield, charge for each additional child up to the first three, then stop charging extra and only charge for the three oldest under the age of 21. Regardless, expect to pay more for family health insurance when you have children than you’d pay as a couple.

You may also decide you need more coverage as a family with kids than you did as a couple. For example, you may opt for dental coverage, or more inclusions, or a lower yearly ceiling on out-of-pocket expenses.

Higher Out-of-Pocket Expenses

Kids get into trouble, break their arms playing soccer, step on rusty nails while running around the neighborhood barefoot. And before they do that, babies require plenty of checkups and medical care of their own.

Every time they visit a doctor, need a prescription filled, or look cross-eyed at the health care system, you can expect to get hit with an out-of-pocket bill. Few health insurance plans cover 100% of all medical expenses with no deductible, and those few charge outrageous premiums.

And kids come with other medical costs. If you don’t want your kids to have crooked teeth, suddenly you find yourself with orthodontist bills. Eye exams, contact lenses, glasses — the list goes on.

Your kids will need plenty of medical care between birth and when they enter the workforce, and you’ll be on the hook for every penny.

7. Lessons, Tutoring, and Other Extracurriculars

If your child has dyslexia, they may need special tutoring to help them learn how to read. Many children need speech therapy as young kids. Many others require academic tutoring at some point or another.

If your kids want to learn an instrument, dive deeper into a sport, or pick up just about any hobby, they’ll need lessons.

Parents always forget to budget for these sorts of expenses until they strike, but kids — and just as often their parents — may want or need more than what resources their school offers for free. And when it happens, you need to be prepared to open your wallet.

8. Baby Paraphernalia

I was shocked and appalled at the amount of baby paraphernalia that flooded our apartment when we had a baby.

At every turn, I fought my wife to stop buying so much stuff. And at every turn, I lost the battle. She insisted on buying every gadget, every “cute” piece of baby clothing, every piece of nursery furniture she could get her hands on. From infrared baby monitors to smart chips that attach to diapers to track vital signs, we have it all.

As a minimalist, it drives me insane. Like so many middle-class parents, we have far more baby items than we need. Eventually, I stopped tallying the cost because it was pushing my cortisol levels through the roof.

You may consider yourself a reasonable human being, vigilant against unnecessary spending. But new parents get both anxious and excited — and their response to both is usually to buy more stuff. When you or your spouse gets pregnant, budget extra for spousal splurges when you try to predict how much it costs to have a baby.

9. Toys and Gifts

Again, parents all too often go wild buying gifts, toys, and unnecessary clothes, all in the name of spoiling their children.

It’s so insidious that many parents go into debt each holiday season. Between gifts, swag, and travel, the average American family spends $1,050 at the holidays according to a 2019 National Retail Federation study reported by USA Today.

You can and should fight the urge. But parents overspend on gifts and toys all the time, so it bears including here.

10. Electronics

Increasingly, kids need electronics for schoolwork, not just as frivolous gifts. In the era of COVID-19, they’ve become mandatory learning tools.

Laptops and tablets aren’t cheap though, and they come with notoriously short lifespans as they slip into obsolescence after a few short years. Between the time a child is old enough to use one and the time they move out and pay their own bills, they’ll likely go through dozens of devices between phones, tablets, laptops, and gadgets that haven’t been invented yet but will be all the rage 15 years from now.

Added together, that comes to tens of thousands of dollars.

11. Travel Costs

My wife and I once looked up the cheapest flights for the following week from our then home. We booked flights to Bulgaria for $160 round trip per person and spent only a few hundred dollars over the entire next week.

That doesn’t happen when you have kids, for several reasons.

First, you can’t just up and go during the travel offseason when you feel like it. Your kids have school, so you have to travel when everyone else and their mother travels: during school holidays. Which means always traveling during the expensive high season.

Second, you have to pay for more, well, everything. More airline tickets. More hotel rooms, or a larger home on Airbnb. And then come the meals, entertainment, entrance passes, and so forth. All of it costs more money.

When you travel with an infant, you can avoid many of those costs. But they don’t stay infants very long, and soon you find yourself traveling with teenagers who insist on doing the exact opposite of what you want to do. So you end up paying to do both.

And good luck doing low-key travel like backpacking or hiking trips with social media-addicted kids and teens.

If you really want to travel the way you used to with your spouse, you end up either having to hire a nanny or ship your kids off to summer camp — both of which cost an arm and a leg in themselves.

12. Life Insurance

Many couples can responsibly dodge life insurance, provided they both work. If the worst happens, the surviving spouse can still pay their bills, albeit with the possible need to downsize.

Add children to the mix, however, and you have more mouths to feed — plus all the other expenses outlined above. Losing one spouse, particularly a primary breadwinner, could tip the family into poverty or at the very least require a massive, painful change in lifestyle.

Having children doesn’t necessarily require you to buy life insurance. I don’t have it, as one of the many side benefits of the FIRE lifestyle. But when you have children, you need to plan for contingencies like losing a spouse, and making sure your family can survive without them.

Often that means a life insurance policy, and even when it doesn’t, you still need a plan in place.


Final Word

Having children is not all financial doom and gloom. Yes, some expenses remain unavoidable, no matter how frugally you live. But many of the expenses above represent average expenses among parents with little financial literacy. You can minimize many of them with a little more awareness, and avoid others entirely.

The costs of raising children also operate on an economy of scale. While you and your spouse don’t want to share a bedroom with your child after the first few months, you can put two children in the same second bedroom, for example. Younger children can benefit from hand-me-downs such as cribs, strollers, and clothes. And once you bite the bullet to buy a minivan, having a third child doesn’t change your transportation needs any further.

It doesn’t have to cost $745,634 to raise a child. But it certainly can if you’re not careful.

Source: moneycrashers.com

5 Reasons You Should Pay for a Pre-Drywall Inspection

When building a new home, there are architectural requirements along with city and state codes that the builder must follow; and while general builder inspections are required along the way, it’s still a good idea to pay for your own inspections, especially the pre-drywall inspection. 

If you’re building (or thinking about building) a new home, congratulations! Unlike buying an existing home, you get to select everything you want from top to bottom, inside and out, to create your dream home. We’re currently building our new home and recently had our pre-drywall inspection. You usually don’t hear much about these kinds of inspections, so I wanted to share with you why we did a pre-drywall inspection, and what we learned.

pre-drywall inspectionpre-drywall inspection
Our soon to be new home!

Isn’t the Builder’s Pre-Drywall Inspection Enough?

During the builder’s inspection, the builder will go over anything you added during the design process,  explain how things work, and show you where things are located inside your walls before the drywall is added. It’s the perfect time to ask questions — but what if you don’t know what to ask? This is where a pre-drywall inspection is beneficial.

Think of it as more of a pre-drywall “walk through”  and not so much of a traditional inspection. The purpose is to look at every aspect of the home, not just the pretty parts. If there are potential issues with the foundation, plumbing, electrical or roof, it’s better to address them sooner and not after signing the papers and moving in.

(READ MORE: The Pros and Cons of Building vs. Buying as a First-time Homeowner)

What the Process Looked Like for Us

We used Chad Brittingham with Cardinal Home Inspections, LLC out of Charleston, SC. The timing of this inspection was perfect because we scheduled to meet with the builder for their pre-drywall walk through a few days later.

Mr. Brittingham went through the house several times and with each pass, looked at different building aspects. The first pass involved the foundation, followed by framing, plumbing, electrical, HVAC, and the roof. We walked with him and he explained the reason for certain building items, pointed out any issues and took pictures for his report, and also took the time to explain how certain systems worked. As an inspector, his job was to comb through the fine details and find potential issues that we as buyers may overlook because we just don’t know. 

pre-drywall inspectionpre-drywall inspection
Chad Brittingham, home inspector, testing the window function.

5 Benefits of a Pre-Drywall Inspection

  1. It can address any issues: Once the drywall is installed it will be more challenging to fix any issues involving the internal items behind the drywall. Cracks in foundation, poor building materials, mold, etc., will simply be a lot harder to see later.
  2. It can check on any modifications you added during your design meeting: We added recessed lighting to some rooms, extra outlets, a security light and a few other things. But, during our pre-drywall inspection, we discovered that a few of those items were not there. It’s a lot easier to add them before the dry wall; like the builder put it, it would be like doing surgery on your house and then leaving scars!
  3. You can visualize where important pieces are in your wall: Word of advice, take pictures. When you move in and you need to find a stud, you’ll have a better idea where they are located within the wall. Most importantly, you’ll know where plumbing, gas lines, and electrical lines are located so you can avoid them before you hang anything or secure anything to your walls. 
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Taking pictures before hanging drywall will help you avoid any costly repairs when affixing items to the wall.

4. It can reveal workmanship and materials: While builders have a construction manager who oversees everything, each part is handled by a different subcontractor. Getting a chance to see the work of the electrical team, plumber, roofer, HVAC, etc can not only ensure they’re not only using the proper materials, but that these systems are installed within code.

5. It can protect your investment and your peace of mind: You’ll have a written record of the issues that were found and you can document how it was fixed. This is your home that you’re spending your money on and you want to know that your home is sound. After the inspection was over, we were more confident that we picked a great home for our family.

Man bending over pointing to the floor in partially constructed house. Man bending over pointing to the floor in partially constructed house.
Mr. Brittingham pointing out construction details.

After the Pre-Drywall Inspection: Next Steps

At the end of the pre-drywall inspection, Mr. Brittingham gave us a couple items that he felt were of a greater concern to keep an eye on, but overall felt that the items he found were typical for this stage in the building process. Mr. Brittingham provided us with a full inspection report, including the items he found with pictures of areas that needed to be addressed, which I forwarded to the builder prior to our walkthrough. As the buyer, we definitely felt our inspection better prepared us for the walk through with the builder.

While the builder is bound by certain laws and codes, and their own inspections, the pre-drywall inspection we paid for independently, is acting on our behalf as the buyer. I definitely don’t believe our builder is trying to “slide anything past us,” and we did our research on the builder prior to signing. This was just one more step to further protect our investment, which will ultimately protect our family. 

Need More Home Building Advice?

Be sure to check out the Homes.com “How to Build” section, with videos and articles covering a range of topics that’ll carry you on the building journey from start to finish!


Brooke has a lifestyle blog called Cribbs Style and currently lives in Charleston, SC. This wife, mom of two almost tweens, and mom of three fur children enjoys all things DIY and organizing. When she’s not helping others tackle the chaos of life, she’s either working out, at the beach, or just enjoying time with family and friends.

Source: homes.com

8 Reasons to Call San Diego Home

When throwing around the idea of moving, we did a lot of research on where might be best for our family. Being a Marine Corps family for so long, we never had a choice in where we wanted to raise a family. Once that part of our life was over, we knew we wanted to plant roots somewhere… but the question was, where?

Since we were in Georgia at the time, we thought about staying nearby and moving to South Carolina, North Carolina or Tennessee. We loved the Smoky Mountains but, while the cost of living was affordable, finding a job for my husband proved difficult.  We’d also still be far away from family as we had been for five years.

I kept feeling an urge to move back home. The problem was, I was raised in one of the most expensive places to live in the country. Still, as scary as that was, something just felt right about it. I lost my mother much too young, and lost my grandmother while we were living in Georgia. Living far from home made me realize how important it is to be near family, especially when raising young children.

WHY WE DECIDED ON SAN DIEGO:

After a long discussion, we set our sights on San Diego. Here’s why:

  1. Family – this was our top motivating factor in deciding to move back.  We’d have family like grandparents and aunts close by, a village of people to spend time with our children and love them–not just once or twice a year, but year-round.
  2. Outdoor activities for families – there is so much to do for families in San Diego and all of Southern California. You can spend a day at the beach, snowboarding, or horseback riding–or all three in the same week!
  3. Job opportunity – while the cost of living in San Diego is high, the job opportunities are much better than the other cities we considered. For my desire to expand my business and connect with other bloggers, San Diego and Southern California both offer a huge community.

EXPLORING OUR NEW CITY:

If you are thinking of calling San Diego home or just planning a visit, here are a few of our family-friendly favorite places you should put on your must-see list:

  1. Legoland California (Carlsbad, CA) – Legoland is literally just miles from our new home and if you are a San Diego resident with young kids, buying a yearly pass is a must! You can head into the park in the morning, let the kids get out some energy, then head home by lunchtime. Or, make a quick afternoon visit after school. The yearly passes are some of the cheapest I have seen for an amusement park and the park is one of the easiest I’ve had to navigate through.
  2. The Flower Fields (Carlsbad, CA) – Not far from Legoland, the Carlsbad Flower Fields are open from March through May. For a low entry fee, you can stroll through rows of vibrant ranunculus. Toward the end of April you can also hop on over to the strawberry field down the road and pick your own strawberries! 
  3. Corvette Diner (Liberty Station – San Diego, CA) – Take a step back in time to the days of Elvis and Marilyn Monroe at this 50s-themed diner with an actual Corvette inside! Everything about this restaurant is authentically 50s and is such a fun environment for kids, especially for birthdays and events.
  4. Seaport Village (San Diego, CA) – One of our favorite places to frequent on the weekends is Seaport Village. We love strolling along the San Diego waterfront, browsing the quaint shops, and finishing off the day with an ice cream cone from Ben & Jerry’s while watching the sunset. 
  5. Balboa Park (San Diego, CA) – Talk about a sight to see! Balboa Park has been a part of San Diego since 1933. The park is full of museums, walking trails, gardens, activities and events year round. Not to mention it is within walking distance to the San Diego Zoo and has some of the most amazing Spanish architecture in all of San Diego.

Narrowing it down to just five favorites was hard, there’s just so much that San Diego has to offer! Don’t believe me? Just Google “San Diego for families.”

If San Diego may not be your city of choice, I encourage you to get out and explore your own hometown city whether it is new to you or you have lived there your entire life. Sometimes all it takes is getting in the car and driving with no destination to fall in love with your city all over again. Love where you live. – Jennifer

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Jennifer Ciani is a mom of two, wife to a Marine Corps veteran and the content creator behind the blog, Simply Ciani, where she shares easy to follow DIY’s, home decor, lifestyle and everyday tips for making life simple and organized.

Source: homes.com

Best Neighborhoods to Move to in Nashville | ApartmentSearch

High-rise building in Nashville's city.Are you thinking about making Music City your new home? With its vibrant downtown, ample outdoor space, delicious southern food, and country music galore — there’s so much to love! Whether you’re a young family on the move or a mobile, dog-loving professional, these cool neighborhoods in Nashville have a little something to offer everyone. Learn the best suburbs of Nashville and which one is right for you with this handy neighborhood guide.

The Gulch

The Gulch is the fastest-growing neighborhood in Nashville, and for good reason. Packed with restaurants, shops, bars, fitness studios, and some of Nashville’s trendiest apartments, this area attracts young professionals who enjoy being center of the action.

Nashville is also one of the best U.S. cities for dating — making this small neighborhood a prime location for singles. The Gulch is the perfect home for anyone with the “work hard, play hard” mentality. So, you’ll have tons of unique things to do and fun, young people to do them with!

12 South

This neighborhood spans half a mile along 12th Avenue South – hence 12 South. And it has become one of the most desirable places to live for young, remote-work professionals and families alike.

12 South is a highly walkable neighborhood, so you’ll find no shortage of hot eateries (like Burger Up and Urban Grub), coffee shops (like Frothy Monkey), and stylish clothing stores (like Reese Witherspoon’s own Draper James!). 12 South attracts Nashville natives and excited transplants alike, and it’s an excellent option for someone who always wants something to do or see.

East Nashville

While East Nashville isn’t as walkable as many of the other neighborhoods on this list, it has plenty of perks that make up for it. A hub for musicians and various creative types, East Nashville residents enjoy the neighborhood’s laidback, inclusive vibe and ample green space.

While some may describe East Nashville as “the hipster neighborhood,” it’s home to a diverse mix of creatives, young families, and professionals. You’ll find everything from rental houses to apartment buildings in this lively, on-trend neighborhood. But it’s likely a better option for those with their own vehicle.

The Nations

The Nations is one of the more affordable neighborhoods on this list – though, with how many people move to Nashville a day, it may not stay that way for long. This area was largely industrial only a few short years ago but is now exploding with restaurants, breweries, retail establishments, and residential developments.

Located around the central district of 51st Avenue and about 10 minutes from the heart of downtown, the Nations is an up-and-coming neighborhood that’s attracting a mostly younger crowd. This is a great place to look if you’re on a tighter budget and want all the amenities of a vibrant city. This hotspot will be on everyone’s list of cool neighborhoods in Nashville before long!

Germantown

Chock full of gorgeous, historic townhouses and tree-lined streets, Germantown has become known for its culinary scene. Boasting several critically acclaimed eateries, like Rolf and Daughters, City House, and Henrietta Red, residents of this beloved neighborhood will never go hungry.

Thanks to its location, only a few blocks from downtown Nashville, Germantown has prime access to the sports arenas, music venues, and other attractions in the city’s hub. This neighborhood manages to feel slower-paced and quieter than many other options and has a little something for everyone.

Sylvan Park

A young family looking to settle down should take a good look at Sylvan Park. Known by locals to be safe, quiet, and one of the best neighborhoods in Nashville to live, historic Sylvan Park is full of people who genuinely love their little community.

A quaint, walkable area, Sylvan Park boasts plenty of beloved, locally-owned restaurants, boutiques, and easy access to McCabe Park. Whether you’re raising little ones in Music City or simply enjoy a more residential feel, Sylvan Park is a growing neighborhood you shouldn’t overlook.

Make Your Move to Nashville with Apartment Search

Is there a Nashville neighborhood calling your name? Now that you’ve got an area picked out, explore available apartments on ApartmentSearch! Narrow your search by apartment size, rent amount, amenities, and more. Nashville can’t wait to have you home!

Source: blog.apartmentsearch.com