Preparing For A House Move Is About More Than Putting Your Property On The Market

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Whether you’re planning a house move for the sake of space, new horizons, or an entirely different location, this is a time of major upheaval. After all, selling a house in itself is a colossal task, with the need for realtors, real estate photography, and goodness knows how many house views. As such, preparation is key.

But, there are more ways to prepare than just putting your house on the market. In fact, with every aspect of your current lives about to change, considering the entire scope of a house move before the event is non-negotiable, especially with a family in tow. 

The question is, aside from all that marketing mayhem, what exactly does house move-prep look like? 

 

Preparing the waters for a new mortgage deal

Unless you’re lucky enough to have money in the bank, you’re likely planning to fund at least some of your house move with a new mortgage. That means you need to get your credit file back up to scratch.

After all, the fact that you were approved for a mortgage a few years ago sadly doesn’t mean automatic approval this time, especially if you’re planning to change mortgage providers. The best thing you can do to prepare is, therefore, to start working on your credit rating again. How you do this depends on your circumstances. It may be that you simply repay any outstanding loans, or you may prefer to apply for credit cards that could lead you back to green. Or, perhaps you simply want to keep an eye on things to ensure you stay on track.

Either way, you need to take action at least a few months in advance, because changes can take a while to filter through. And, the last thing you want is for that positive change to make no difference when the time comes to apply. 

Laying the foundations for a new school

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If you’re moving long-distance or even a few hours away, then preparation doesn’t only impact you. With school moves inevitably on the cards, your kids are also about to experience some pretty significant shifts. And, again, taking action sooner rather than later is the best way to ensure a smooth journey when the time comes. 

Fundamentally, ensuring the life your kids want, even in that new location, means getting a headstart on school applications. At the very least, you should research any available school reports for your new area of choice, and get an accurate feel for waiting lists, etc. That way, you have options to fall back on when you finally have an address that puts you in the catchment. 

Note, too, that laying the foundations for a school move doesn’t just mean putting practical plans in place. It’s also vital to note that this change is set to take a huge toll on your youngsters. As such, laying emotional foundations that help them to find closure with their current school is essential to ensure that they don’t feel suddenly swept out of their comfort zones. Of course, to some extent, a few tears are inevitable, but the longer you give them to say goodbye, the less risk there is of upset that plagues their first few months in a new school

 

Addressing the emotional side of leaving

It’s not only your kids who need to prepare in advance for the emotional side of leaving your current home. You, too, are about to experience some major upheaval. Worse, once you’re in the thick of moving stress, you may struggle to process or even acknowledge these feelings as they arise. This can lead to discontent, increasing stress or anxiety, and a general feeling of malaise once you’ve moved. 

As such, you should take steps to tackle the emotional side of leaving before you truly set the wheels in motion. How you do this is, of course, up to you, but focusing on the positives of an upcoming move is certainly a good place to start. Equally, putting plans in place for yourself, including making work adjustments or meeting new friends in the area you plan to move to, can make a difference. 

Most simply of all, you want to take this time to get plenty of rest. You might not have much chance for that once you get those moving wheels in motion, but approaching a house move as refreshed as possible is essential. So, make the most of these last lazy days in the home that’s served you so well. Lie in a little longer during the mornings, and spend plenty of home days from now until you can’t anymore. That way, you should be emotionally ready by the time you list your house at last.

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Tackling the practical side of your belongings

Last but not least, now is also the ideal time to turn your attention to your belongings. After all, you’ll have packing boxes in every room within a few months, all things allowing, and then you’ll find it increasingly difficult to get a hold on everything. Worse, you may end up packing items that you simply don’t need in your new property!

Make sure it doesn’t happen by doing a sort of inventory now, while you have the chance. Take note of what you have and what you want to get rid of. Then, either give away the stuff you don’t want to hold onto or sell it. That way, you save yourself the backbreaking work of packing it up to take with you. And, you also ensure that you arrive at your new house fresh, and with only the belongings that you need to create the home of your dreams. 

 

A final word

Putting your property on the market is always going to be stressful, but it’ll be a whole lot more so if you don’t first lay the right foundations. These steps can help you do just that, and should at least allow you to focus more at the job in hand when the time comes to leave at last.

 

Getting the Most Out of Your Life Insurance Policy – 4 Tips for First-Time Buyers

Life insurance cushions your family from financial difficulties when you die. However, buying life insurance for the first time can feel overwhelming because of all the available options and their implications.

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These four tips will eliminate the confusion to help you get the best out of your life insurance policy:

1.      Pick a Reliable Insurance Company

Can you trust your insurance company to pay up when you die? Some insurance companies are known to include hidden terms and conditions that limit their policies’ benefits. This would be very frustrating for your loved ones, so ensure that your insurer will keep their word and pay the full amount.

As such, pick an insurer with an impeccable reputation that will last your lifetime. Every insurer will style themselves as the best, so dig deeper and be the judge. One way to go about it is by finding out what other life insurance buyers have to say about the particular company. For example, you can search for “National Life Group reviews” online to find out other buyers’ experience with the insurer. More importantly, go over every stipulation in the policy to ensure that it doesn’t contain hidden limitations.

2.      Go for the Best Rates Available

Ideally, you should go for the best rates possible. This should be easy as many life insurance companies freely offer their quotes online. As such, check with as many insurers as possible and compare their rates to find one that best suits your preferences.

It is also important to understand that rates are adjusted to reflect certain factors. Two of the most important factors determining your rate are your age and overall health. Your rates will be cheap if you are young and healthy, but they may start increasing as you grow older or become sick. To this end, it is advisable to lead a healthy lifestyle to minimize your risks of falling sick or dying.

3.      Start with a Term Life Policy

A term life policy provides coverage for fixed periods, according to your preferences. This is primarily what makes it cheaper than a whole life policy, which provides coverage until death. Starting with a term life policy is prudent if you want to save money. More importantly, you can always transfer its low rates to a whole life policy later.

Many people know that they can convert their term life policies to whole life insurance. However, they don’t know that they can lock their term life policies’ low rates when switching to the whole life policy, whose rates are substantially higher. To this end, it is prudent to start with a term life policy and then switch to whole life insurance.

4.      Consult a Financial Professional

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Life insurance policies can be difficult to understand, what with all the big words and complex terms. This is why it is recommendable to consult a financial professional before committing to one policy. A professional will not only make your desired policies easy to understand, they will also help with the paperwork – and anything else you may need.

Final Thoughts

The bills will not stop coming once you die, but you can still do something about it while you are still alive. As such, put these tips into practice and buy the ideal life insurance coverage.

Encourage Your Kids To Go For What They Want In Life

In life, your kids are going to need to know how they should go about getting what they want. It’s not going to be a case of wandering through their days and demanding things, because this isn’t going to fly in the real world and it shouldn’t work for you either. But, that doesn’t mean that there isn’t a right way to do it. In this article, we’re going to be looking at some of the things that you should do to encourage your kids to go for what they want in life, without seeming like spoiled, entitled brats. If you would like to know more about this topic, then keep reading down below where you will find the information that you need.

 

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Ask Nicely

The first thing that you should always teach your kids is that the first thing to do is ask nicely. If it is something that someone else has the power to give or take away, manners are the most important part. Your kid should know that they need to say please and thank you when they are asking for things at the very least. This is an extremely basic level, but it goes a long way when they are talking to others, and teaches them manners from a young age. We know that it might feel tough when they are young, but teaching them that they won’t get something unless they ask nicely for it is necessary.

When they are young, you should start doing this with things such as toys. For example, if they want a Superwings Paul police airplane then they need to ask for it politely. It then gets them in the mindframe that when they want something, they should ask for it in a nice way. Until they do this, do not give them what they want. 

 

Work Hard

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Another thing that they need to understand is that in life, you’ve got to work for things. Nothing is going to get handed to you for free unless you are a child who can’t do anything to earn what they get. But, you can start getting them into this mindset when they are a little older by asking them to do things like chores if they want a reward. Positive reinforcement is going to work wonders on children, and it is a far better alternative to negative reinforcement. Instead of telling them ‘unless you do this, you won’t get this’, try something along the lines of ‘if you do this, then you are going to be rewarded with this’. 

Obviously, you can’t do this all the time, and you’re going to need to say no sometimes. But, when it is possible to do so, teaching them from a young age that hard work pays off will set them up with a super important life lesson.

Set The Goals

Finally, you should make sure that you are setting achievable goals. Aiming for things in life is a fantastic thing to do, and your kids need to learn how they can do this without setting goals that feel like mountains. If you are setting goals, or your kids are setting goals, that it isn’t going to be possible to reach, it is going to be disheartening and discouraging when they can’t reach them. Often, kids have a bad habit of trying to aim too high, too fast, and it ends up with them feeling as though they are a failure.

You need to teach them the importance of breaking things down and doing one thing at a time. Think about the end goal that they are trying to achieve, and then simplify it into a number of smaller goals. They can then work towards each goal individually, that will all come together in the end to help them achieve the bigger goal. When you are setting the goals, make sure that they are involved in the process so they learn how to do this. If you don’t, then you are going to create adults who are trying to get things too fast, and failing rather than succeeding.

We hope that you have found this article helpful, and now see some of the things that you can do to encourage your kids to go for what they want in life. A lot of the time, if there is an issue with kids doing this, it’s because the parents haven’t encouraged it, or they shut the kid down every time they asked for something. Instead of doing this, teach them the right way to do things. Good luck.