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Ways To Childproof Your Home

by Tucker Robbins

childproof

You may or may not have small children living in your home but even if you don’t you might have a family member or a friend who does, so tips on how to childproof your home may be advantageous to you.  There are several ways in which you can make your home child friendly so that you don’t have to worry about any little ones getting hurt or any of your stuff destroyed. 

  • The first and most important tip to make your home childproof is to cover your electrical outlets.  For some reason electrical outlets are very interesting to little hands and fingers.  The best way to keep the kids from exploring your electrical outlets is to buy covers for them.  Make sure to get the electrical outlets that are not that hard for you to pull out so that you don’t constantly have to try so hard to remove them when you want to use an outlet. 
  • This may sound silly but get on your hands and knees and travel around your home looking for things that might be dangerous.  You may find that you see much more clearly by getting down to a child’s level when it comes to childproofing your home.  Fix any issues you deem to be hazardous to kids while you are in this position.
  • Put glass items and valuables up high out of reach of children.  This will not only help keep children safe in your home but it will also keep your valuables from getting broken.
  • If you have anything sharp such as a fireplace with edges made from stone or brick you may want to buy covers for those edges to use when you will have small children around.  If you have little ones who live in your home you may want to keep these areas covered at all times. 
  • If you have a swimming pool, always make sure that someone is outside watching the children if they want to play in the back yard.  Even if you have the pool surrounded by a fence you need to make sure the kids are looked after if they are anywhere near a pool. 

Hopefully some of these ideas for childproofing your home will be helpful to you and will prevent an accident from happening.  Once you feel as if your home is childproof then you will no longer have to worry about little ones getting hurt and you can enjoy your new or existing home. 

Courtesy of New Castle County Realtor Tucker Robbins!

New Castle County DE Market Watch for December 2015

by Tucker Robbins

New Castle County DE home sales declined in December 2015 with 446 homes sold compared to 456 in December 2014. The average sales price rose 2.75% in December to $229,443 from $223,303 in December 2014.

new castle real estate

Information courtesy of New Castle County DE Realtor Tucker Robbins.

Getting Your Finances in Order for the New Year

by Tucker Robbins

finances

We all have New Year’s resolutions each year.  Why not make 2016 a great one by deciding once and for all to get your finances in order.  There are several ways that you can make a big step to improving your finances for this coming year that are not that difficult to do. 

  • One of the first things you should do in order to get a hold of your finances is to write down everything you spend for at least a month.  This way you will be able to clearly see where your money is going and where it is not.  You may find that you are a bit surprised by exactly how much money you waste on a daily basis buying things that you can definitely do without. 
  • Another easy step to taking a hold of your financial situation this coming year is to start paying off your credit cards.  It is a good idea to start with the smallest amounts owed on credit and pay that amount off first, then move to the larger amounts owed and whittle them down as well.  Once you pay off your credit cards do your best to do without them if you possibly can.  Living on a cash only basis is a great way to take charge of your finances.  If you don’t have it, you don’t spend it…it can be as simple as that!
  • This is a bit old school, but clipping coupons is a great way to help ease financial strains that you may have gotten yourself into.  There are several ways to coupon and many times you can get products completely free of charge if you get good enough at couponing.   Make a stockpile of things that you use on a regular basis such as toilet paper and toothpaste and other items you can get very cheap or free.
  • If you can, it is a good idea to save up an emergency fund for things that may go wrong now and again such as car repairs and the like.  A good amount to strive to save up is around $1,000.  This will be a big help when you find yourself in need. 

This should be a good start to getting you thinking about your finances and how to take control of them before they take control of you.  This time of year it can be hard to think about finances due to the holidays and all that they include but it is well worth it if you do so that you can start out the New Year in the right direction.  

Courtesy of Wilmington DE Realtor Tucker Robbins.

Applying For a Home Mortgage? Here's What NOT To Say

by Tucker Robbins

cover mouth

Owning a home of your very own is exciting and is the American dream.  You should know however that when you apply for a home mortgage you need to be as honest as possible so that your dreams are not crushed at the last minute. Below are a few tips on what not to say when you are applying for a home mortgage.  You may think that a little white lie won’t get you into trouble when applying for a home mortgage but what most people don’t realize is that you will likely get caught in that lie and may end up not getting approved after all.   Also the penalties for such lies can be quite severe such as a 30 year prison sentence and a million dollar fine. 

  • If you don’t plan to live in the home in which you are getting a mortgage but rather you plan to rent the property out do NOT apply for a mortgage as your primary residence.  Default rates are higher on investment properties than they are on primary residences.  Down payments are larger on investment properties as well.  These are some of the reasons why folks try to lie about using the mortgage as their primary residence. 
  • Lying about how much money you make  to get a home mortgage is also a no-no.  If you try to lie about your income for the purposes of getting a better home mortgage you are very likely to get caught because your lender is going to verify your income by looking at your w-2’s as well as your tax returns. 
  • If you don’t have enough money for the down payment on your new home, you CAN borrow it from a family member or friend but if you do this you need to be sure to have the paperwork that supports the fact that it is a gift that you don’t have to repay otherwise it is considered a loan and the mortgage company will need to know about it.  This little white lie may seem harmless but it isn’t and it can get you into trouble with your mortgage lender. 

Basically, tell the truth about any and everything your mortgage lender asks you. If you want to have part of the American dream by owning your own home, don’t destroy the dream by lying.  Once you get your mortgage and you move into your new home you will be glad you did everything the right way and that you don’t have to worry about anything coming back on you in the future. 

Courtesy of New Castle County DE Realtor Tucker Robbins!

Displaying blog entries 1-4 of 4

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Photo of Tucker Robbins Real Estate
Tucker Robbins
Berkshire Hathaway HomeServices
3838 Kennett Pike
Wilmington DE 19807
(302) 777-7744 (direct)