Stages of selling your house online

It’s a good idea to keep in mind that buyers will usually try to negotiate a price so make sure you’re happy with the overall valuation first!

 

Stage 1: Accurate valuation

First things first, getting a valuation done for the property is important, however receiving an accurate valuation should always be a priority. It is important to receive an accurate valuation for your home as you need to know the correct figure for the property before putting it on the market so you know exactly how much you can achieve.

 

Stage 2: Finding the right agent

It can be quite over whelming finding and picking the right agent to sell your property as there are so many to chose from with different things to offer. Selling your property yourself is always an option, however you need to remember that without an agent you will not be able to advertise the property on Rightmove or Zoopla. Another thing to always think about is that not all agents require you to pay thousands to cover their fees as online agents are more cost effective.

 

Stage 3: Preparing your home

Getting the property ready is a really crucial part of selling. You want the property to look the best it can on the pictures so it will interest potential buyers into viewing the property. You want the property to look neat and tidy so it will increase the chances of selling as maximising interest from buyers online will increase the chances of a quick sale at a good price.

 

Stage 4: Choosing a solicitor

When you have accepted an offer on your property, you must instruct a solicitor who will then transfer the ownership of the property. The solicitor will take over the conveyancing process so you don’t need to worry about it. You don’t need to instruct a solicitor until you have accepted an offer but the best advice is to instruct one earlier anyway so their ready to go when the time comes.

 

Stage 5: Accepting an offer

At this point, you should have received numerous of enquiries on Rightmove and Zoopla and had numerous people coming to view the property. You also should have had different offers being put forward which you would have taken into account and considered. Once you’re happy with an offer and accepted it, you then move into the ‘sales progression’ part.

 

Stage 6: Negotiating the draft contract

Now that you’ve accepted the offer, you and the buyer now need to come to a decision about what changes are going to be made in the property before the buyer moves in. You need to decide what time frame will be allowed between exchange and completion, what fixtures and fittings will be included within the sale and if there are any discounts off the back of the survey which is conducted by the buyers mortgage provider.

 

Stage 7: Questionnaires

Your questionnaire with be about the boundaries of the property, which fixtures and fittings are included and whether you’ve had any complaints or issues with the neighbours. The council will set their attention on council tax, prospered developments and any building works.

 

Stage 8: Exchanging Contracts

Now that the draft contract has been completed and all terms have been agreed, the final contract will be issued and then exchanged. You and the buyer are now legally committed to the sale of your property. If the buyer now changes their mind and decides they no loner want to progress, they will lose their deposit. If you change your mind and decide you no longer want to go through with it, you will be sued and the buyer will get their deposit back.

 

Stage 9: Moving

As the contracts have now been exchanged, you have a certain timescale as to how long you can stay in the property for until you have to move out. Its now the best time you move as much stuff as you can to make it easier when the last day comes.

 

Stage 10: Completion

You have come to the stage where payment is now accepted and you must hand over the keys. The property has now officially changed ownership so your solicitor will register the transfer of ownership.

Stage 11: Pay off the mortgage

You and your solicitor will have received a redemption figure for your mortgage for completion day. Now the buyer has transferred the money to your solicitor, your solicitor can pay off your mortgage for you.

 

Step 12: Pay your solicitor

Finally, you’ve reached the last stage of the process. The house is sold and the new owners are in. The very last thing to do is to pay off your solicitor for their costs, the sale price and redemption of the mortgage.

What You Should Know About Home Warranty Rankings and Reviews

There is an inherent conflict of interest in those companies and websites that advertise services and promote companies while also collecting monthly fees from the very companies they feature.

Unfortunately, this does not only happen within the home warranty industry.

The costs associated with the relationship and the companies' rankings, ratings and reviews is usually relative. Meaning, the more a company buys to be promoted, the higher their ranking appears to be.

Not only does this paint an inaccurate representation of how well a company is doing and how much their customers like them, but it feeds into bad companies getting more business from misinformed consumers. We say bad companies because usually the ones that are paying to be promoted that heavily have real reviews they are trying to water down.

It's important to know which companies are truly the best in the industries they serve.

How a Good, Unbiased Ranking System Works

A fair ranking system cannot be altered, but it can be weighted.

The ranking system we  use, is automated through inputs by consumers. There is no human interference during the input stage, and only customers can influence the warranty providers' ratings on their site. This is important because these ratings later form the basis of evaluation for new and potential customers. It is designed to be unbiased and representative of the views of the consumers who have home warranties with the companies being reviewed.

This ranking function is built to try to ensure that home warranty companies actively take an effort to provide good service to their customers. Those who are doing well by their customers, rank higher, and those who are not, do not.

The weighted piece in the form of the following criteria. Companies' rankings are given weight for:

  • Positive customer reviews, with more recent reviews get more weight
  • Tenure in the industry
  • Membership with the National Home Service Contract Association, a nonprofit trade organization that monitors the home warranty industry
  • Online claims and other self-service features available on the company's website
  • Effective use of social media to help consumers
  • Participation in complaint resolution platforms such as the BBB, Yelp and our  Complaint Resolution Program (CRP), which helps companies respond to complaints posted on our website

We does not charge viewers for the use of their website, nor does it charge home warranty companies to host a profile on their site. They are a wholly-owned subsidiary and have no ownership in any of the 80+ home warranty companies listed on their website. The candid reviews left on our website and the ratings platform they feature companies on is strictly meant to be informational to consumers.

The way we generates revenue is through the placement of relevant ad displays on their site, and through the quality of the consumer leads they pass along to the participating home warranty companies.

Why It's Important

It is important to have an authority in the industry to monitor, rate and compare home warranty companies – unbiasedly.

Educating consumers on home warranty companies and plans, and providing a comparison is the sole purpose of website. Similarly, providing a true ranking of those companies based on consumer experience is the sole purpose of company.

In an industry that is almost solely digital – meaning, there is not typically a physical office for these home warranty companies and sometimes live customer service representatives are not available to talk to – making it all the more important that home warranty customers get the proper guidance when it comes to selecting a reputable company.

What To Look For

If consumers find themselves on websites that show a ranking of home warranty companies, they should research how those companies received their ranking. If a clear description is not provided on their methodology, it's safe to assume there is not one – the companies being featured are most likely paying to be there.

It's not always about finding the cheapest home warranty, but about finding one from a reputable company – one you know you'll be able to get a hold of and who will be there if and when you need to file a claim.

To check the available home warranty companies in your area, enter in your zip code and search to compare home warranty quotes. And, be sure to review what other consumers are saying about the home warranty companies you are considering buying a home warranty plan from before you make a decision

The difference between an Automobile Warranty and an Extended Auto Warranty / Extended Service Program

When you buy a vehicle you will be provided various options to buy along-side of it and one such choice is that of extended automobile warranty. Sometimes referred to as a service contract, or extended service program, an extended automobile warranty is designed to offset repair expenses following the purchase of a new or used automobile. In essence, an extended warranty is a safeguard against costly, unforeseen repairs. Not to be confused with manufacturer’s warranties, an extended warranty kicks in subsequent to the expiration of the manufacturer’s bumper to bumper warranty. An extended auto warranty is typically sold as a separate contract, and – unlike a manufacturer’s auto warranty – is not included in the purchase price.

You need to be aware of the benefits of this extended service program which coincides with this option even as you consider whether to obtain this kind of warranty for your car and this will assist you to find out whether an extended auto warranty is a suitable choice for you. There are a couple of benefits of having this kind of warranty. First, it provides the car owner of with peace of mind in recognizing that a number of aspects are covered. Because each warranty type will differ with regards to what’s covered under it, it’s imperative to peruse the extended service program document in order to see the coverage points included. By choosing an extended auto warranty you will understand that certain areas are covered on your vehicle in case something happens, which will result in the vehicle requiring to be fixed.

Extended auto warranties will also ascertain that your financial investment gets protected. Because many people live on a restricted budget, it is usually a good idea to put forth the finances whenever you have them in order that you won’t be caught short in the future should anything go wrong with the automobile and you’ll have to get it fixed. Besides, the cost of an extended automobile warranty is oftentimes much more reasonable as compared to what you would be needed to pay should one necessitate to have their car fixed in the future. As a result, by you spending a smaller sum of money, in the beginning, you might save quite a couple of dollars eventually should replacement parts or repairs be necessary for your automobile.

In the strictest sense of the word, this is not a warranty at all. Like auto warranties, this plan covers repairs for an agreed upon period of time. True warranties, however, are included in the cost of the car; extended auto warranties are actually service contracts, or extended service program because they cost extra and are sold separately. An extended automobile warranty may be bought at the time you purchase your vehicle; it is also possible to buy one much further along in your car ownership experience. If you are the type who prefers to be prepared for all eventualities, an extended warranty may be just what you are looking for. Considering the ever-increasing cost of car repairs, these service contracts do make a lot of sense. If you are interested in buying an extended automobile warranty, you need to know that the car service contracts industry is slowly moving away from the phrase “warranty” since it is confusing to consumers. Try looking for “Extended Service Programs” instead.

10 COMMON CAR MAINTENANCE MISTAKES

 

Conducting car maintenance can be both a do-it-yourself (DIY) thing and a matter best left to the caring hands of professional mechanics. Given that cars are valuable investments, car owners are always encouraged to practice proper car maintenance, but it can’t be helped that errors may set in (we’re all human right?).

To ensure that your car doesn’t turn out to be an investment gone bad, you must exercise responsibility in taking good care of it, especially during maintenance work. Here are the five most common instances where car maintenance mistakes take place. Read on to find out what to avoid and how to deal with them moving forward.

  1. Taking the smallest things for granted

Always remember that even the most seemingly-insignificant things matter a lot when it comes to car maintenance. From conducting proper engine startups to replacing old wipers, paying attention to mundane details allows your car to last longer. That’s the reason why some motorists tend to encounter problems with their cars early on – they think that the smallest issues won’t transpire to bigger ones as they neglect them.

  1. Neglecting the air filter

Don’t think of the air filter as a component that can be dealt with just by cleaning it. Replacing your car’s air filter is something that you must do on a regular basis – once it accumulates too much dirt, then that’s the time to make the right move. Air filters are pretty much generic in form and are easily available in any auto parts store, so those who have allowed their cars to choke in performance through dirty air filters would’ve gotten away had they been more responsible.

  1. Skipping on inspecting car fluids

Several motorists have compromised their cars’ performance simply because they neglected the importance of replenishing the various fluids their cars have. Another issue of note is the need for changing engine oil – some motorists have experienced the worst in the form of engine damage simply because they overlooked such process. To make sure your car gets to perform better as it steers away from component damage, keep your eyes on the lookout for changes in car fluids.

  1. Overlooking brake pads

Having a case of bad brakes can never be part of good news for every motorist. Most of the time, unreplaced brake pads have led to greater problems attributed to the integrity of steering systems. In other words, not replacing your brake pads exposes your car to greater risks – the worst being crashes caused by faulty brakes. For that, make sure to replace your car’s brake pads the moment they start showing untenable wear and tear.

  1. Overlooking tire conditions

There are several things that can happen when you neglect your car’s tires, the most common being tire blowouts and loss of vehicular control leading to crashes. If you fail to have your tires rotated or inflated according to the right pressure, then chances are that those dire consequences can take place with greater possibility. Never ignore your car’s tires – see if they’re in tip-top shape to see if they’re fit for the standard idea of safe travels.

  1. Driving with an overheated engine

Why some drivers still insist on driving with their engine compartment already smoking is a question no one has the answer to (they’ll try to give you an answer but it just doesn’t make sense). Obviously, an overheated engine should prompt you to stop driving already, lest you wish to flirt with the idea of your car getting caught in flames. In case of engine overheating, dial for roadside assistance or a towing service.

  1. Proceeding with DIY without proper knowledge

Again, car maintenance is truly a DIY thing. But in cases where you do not have the proper know-how, you should not risk doing things on your own. When in doubt, always call for roadside assistance should you find yourself at a standstill in the middle of the road. Also, keep numbers of professional technicians who can inspect your car and restore it to full health.

  1. Ignoring your windshield wipers

It is always easy to take the smallest things for granted. Take the case of windshield wipers – while they tend to be overused particularly during the rainy season, their replacement tends to be the least concern of some car owners. But as time passes, windshield wipers become more brittle, leading it to leave unwanted stains on your windshield during use. For that, it always pays for you to have time to check your windshield wipers and see if they should be replaced.

  1. Neglecting your tire pressure monitoring system (TPMS) warning light

Your tire pressure monitoring system (TPMS) warning light indicates whether your tires need to have their tire pressure increased. Unless you wish to experience how having a tire blowout feels like, you should not risk ignoring your TPMS warning light the moment it lights up. Bring your car to the nearest service center to have your tire pressure increased, or you may do so on your own with the proper equipment and know-how.

  1. Disregarding the Check Engine warning light

Sure, your car may still operate normally with your Check Engine warning light already glaring on your dashboard. But the thing is, you should never keep your complacency high when your Check Engine warning light starts lighting up. Take your car to the nearest service center for a checkup, or prepare yourself with some essential diagnostic tools if you wish to deal with that through DIY in the future.

The Effects of Childhood Obesity

September is not only back to school month, but it’s also Childhood Obesity Awareness Month. Childhood obesity is a growing epidemic in the United States that affects more than 30 percent of children. This number has tripled since 1980 making it one of the biggest threats to the health of American children. If trends continue, children today could be the first generation to live shorter, less healthy lives than their parents.

When you are a parent, your goal is to protect your children. While you don’t have control over everything your children encounter, you play a major part in their health and wellness. Preventing and managing childhood obesity starts in the home. It’s easy to put the TV on for the kids while you get caught up on household chores. Sometimes that’s the best fix for that particular situation. It becomes a problem when this behavior becomes a habit and a lifestyle for your family.

Why is childhood obesity a health problem?

Childhood obesity has negative immediate and long-term health concerns. Obese children are being diagnosed with health conditions that used to be only seen in adults. Unhealthy weight can lead to medical problems such as:

  • Type 2 diabetes
  • High blood pressure and cholesterol
  • Liver disease
  • Bone and joint issues
  • Eating disorders
  • Fatigue
  • Respiratory problems such as asthma
  • Sleep apnea

Unfortunately, obese children may also face psychological difficulties such as:

  • Being teased and bullied
  • Becoming a bully
  • Self-esteem issues
  • Depression
  • Poor social skills
  • Stress and anxiety

Being a parent is stressful enough without having to think about your children dealing with health and/or emotional problems. And being a child these days can’t be easy with social media and unrealistic “expectations” that exist. There are simple ways to help establish good habits and encourage healthy lifestyles for your family.

Develop healthy eating habits.

This may seem like a no-brainer, but sometimes you need a reminder on how you can encourage healthy eating at home.

  • Eat lots of veggies, fruits, and whole-grain products
  • Choose lean meats
  • Limit sugar and sugar-sweetened drinks
  • Limit saturated fat
  • Recognize portion control

Get active.

Again, this may seem like common sense, but keep in mind how easy it is for kids to get in the routine of watching TV, playing video games or spending endless hours on the iPad.  As a parent, encourage your kids to get involved in sports or other physical activities at school.

Here are few ways to sneak some physical activity into family time:

  • Make a game out of household chores. After completing a chore list, have a reward of a dance off or play catch. If you’re feeling really creative you could pretend that all the toys need to be saved from the dirty floor and put safely in the toy chest. Be as fun and creative as you want to encourage everyone to help out.
  • Take pre and post dinner walks. If it’s a struggle to get the family to get out and go on a walk, make it interactive by playing “I spy” or a similar game.
  • If you have that TV show you just have to watch, use the commercial breaks as quick fitness breaks. Get the kids up and dancing or have a sit-up or push-up contest. It’s amazing how much kids love burpees!
  • Get extra steps in whenever possible. Take the stairs, walk to the store or park at the end of the parking lot. Just like adults, kids can benefit from the extra activity.

Instill good habits into your kids while they are young so that healthy living becomes a way of life. If childhood obesity isn’t managed, it can lead to serious health issues as an adult.

Obesity not only causes serious health conditions, but also leads to increased health care costs and higher life insurance premiums. One of the first things life insurance companies look at when determining your premium is your height to weight ratio and your health status.

Here at Quotacy, our goal is to get you the best price and policy for your unique situation. We work with multiple insurance carriers to shop your case and compare pricing and options. Feel free to contact us with questions or use our free quoting tool to see how much it would cost to protect your family.