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Posted by New Age Real Estate on 12/7/2018

Once you move in with a partner, you know you have reached an important milestone in your relationship. For the first time, you could be talking about money with your partner. Whether youíre moving into an apartment or buying a home together, itís important to break down how youíll merge your finances together. 


While itís one of the least romantic conversations that youíll probably have as a couple, sharing your financial situation is one of the most vital. Below youíll find some tips on starting that conversation and making it a smooth one.


Be Honest


In any relationship, honesty and communication are key. This is especially true when it comes to finances. Thereís a lot that goes into your own financial picture, and itís important that you share that with your partner. This is important for everything that will happen in the future including purchasing a home. Some things that your partner should know:


  • How much loan debt you have
  • A rough idea of your credit score and history
  • Your income
  • Your spending habits
  • Your saving habits

Itís important to know how another personís habits will affect you as a whole when youíre thinking of making an investment together like a piece of property. Everyone handles money differently, and you should know how someoneís spending habits meshes with yours. Do they live paycheck to paycheck? Do they save money regularly? Are they financially strained? All of these questions help you to understand where you are similar and where you are different when it comes to money.



Have A Plan For How Youíll Divide Expenses


It may seem like a 50/50 split on expenses makes the most sense. For many couples it does. In other situations, if one person makes more money, they may need to pay a bit more of the costs. Some couples have one person pay the rent while the other takes the utilities on as an expense. Take amounts and percentages that you feel comfortable with and do what wrks best for the both of you. 


Remember that chores count too when it comes to dividing up the ďexpenses.Ē This is just an extra tip that will help you to build a stronger relationship in the long term and help to save arguments.


Use A Joint Account For Expenses


You should still keep your own bank accounts when you move in with a significant other.  All of your money shouldnít be funneled into one singular account. Create a separate bank account for your expenses like rent or mortgage and utilities. All of your personal expenses should come out of your own respective accounts. 


Make Contracts


No matter how much you feel that you can trust a person, itís always good to put everything in writing. This way, if there are any disputes in the future, youíll always have a contract that you can refer back to. Itís also important to have these documents for things like security deposits or down payments. If the relationship ends at any point, itís important for the person who paid for certain things to get their money back.     


Planning and tracking your finances when you move in with a significant other is important. It will certainly make your life easier if you have these conversations beforehand.





Posted by New Age Real Estate on 12/2/2018

This Condo in Haverhill, MA recently sold for $301,000. This Townhouse style home was sold by - New Age Real Estate.


16 West Parish Court, Haverhill, MA 01832

Condo

$299,900
Price
$301,000
Sale Price

5
Rooms
2
Beds
1/1
Full/Half Baths
Desirable West Meadow Hill. 2 bedroom upgraded townhouse move in condition. Furnace & Air Conditioner installed in 2015. Water Heater 2016. Eat in kitchen has tile floor, stainless steel stove, granite counters, cherry cabinets & new slider to large deck. Dining room, has hardwood floors, atrium windows & a slider with additional access to that large deck. Living room has hardwood floors, cathedral ceiling, slider to a balcony, fireplace with blower for additional heat in the wintertime. New ceiling fan in living room is remotely controlled. Second floor has two large bedrooms with Berber wall to wall carpeting that is in excellent condition. The full bath is tiled with solid counter top, upgraded vanity, new Velux solar remotely operated sky light with a sensor that closes it when it rains. Both stairs and landings have hardwood floors. All sliders & windows are Anderson replacements. Quiet fans in bath. Plenty of storage. One car garage & one additional parking space. Mint condition.

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Tags: Haverhill   Real Estate   Condo   01832  
Categories: Sold Homes  


Posted by New Age Real Estate on 11/30/2018

As you complete the final steps of the home selling process, it is important to cancel various everyday house services prior to moving day. In fact, some of the essential services that you may need to cancel include:

1. Electric

Notify your electric company about your plans to move. You also can tell the company how much longer you will be staying in your house and provide it with a forwarding address for your final invoice.

Ultimately, you should provide your electric company with at least a few weeks' notice about your plans to relocate. This will ensure that you and the electric company can work together to settle your final bill.

2. Cable and Internet

If you like your current cable and internet services provider, you may be able to transfer your current services to your new location. And if you call your cable and internet services provider and speak with a customer service agent, you can find out exactly how to do that.

Of course, there may be instances where you need to cancel your cable and internet services. If you are moving to a city or town where your current cable and internet services provider is unavailable, for example, you may need to cancel your services.

3. Water

Contact your local water company and give it the news about your moving plans. This will ensure that you won't be billed for any water services after your moving date.

Don't wait until the last minute to notify your water services provider about your move, either. Remember, the sooner you inform your water services provider about your moving plans, the sooner you can guarantee that any water services in your name will be discontinued once you relocate from your current address.

As the day of your home closing approaches, it helps to plan ahead as much as possible. If you collaborate with a real estate agent throughout the property selling journey, you can get the help you need to overcome any potential house selling hurdles.

A real estate agent is a house selling expert, and as such, will serve as a helpful guide throughout the property selling journey. First, a real estate agent will learn about you and your home. He or she next will craft a custom property selling strategy, one that ensures you can quickly sell your residence and maximize its value. Then, a real estate agent will list your residence, promote it to prospective buyers and set up house showings and open house events. And once you receive an accept an offer to purchase your residence, a real estate agent will make it easy for you to finalize your home sale.

When it comes to selling a house, it often helps to hire a real estate agent. By employing a real estate agent, you can receive in-depth insights at each stage of the house selling journey. And as a result, you can quickly and effortlessly accomplish your desired home selling results.




Categories: Uncategorized  


Posted by New Age Real Estate on 11/27/2018


42 May St., Everett, MA 02149

Single-Family

$309,000
Price

5
Rooms
3
Beds
1
Baths
MAJOR PRICE DROP. IINVESTORS OR FIRST TIME BUYERS........In the quaint Village section of Everett sit this wonderful starter home. Vinyl sided, 3 Bedrooms, 1 full bath and parking for 2 cars. Everett is known for it low taxes, dedication to Veterans and City Holiday Celebrations. House is in move in condition but needs some updating. The Casino opening in Everett will be a boom for real estate and create more jobs for Everett residents.
Open House
No scheduled Open Houses

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Categories: Price Change  


Posted by New Age Real Estate on 11/23/2018

Ready to purchase your dream home? Before you finalize a home purchase, it may be worthwhile to schedule a home appraisal.

With a home appraisal, a property expert will examine a residence both inside and out. The home appraiser then will offer a property valuation.

In some instances, a home offer may be appraisal-contingent. And if the home appraisal valuation falls below the amount of a buyer's offer, the buyer may request a renegotiated price.

A home appraisal may prove to be an important part of the homebuying process. As such, it is paramount for homebuyers to understand what an appraisal is all about and determine whether to conduct an appraisal.

To better understand home appraisals, let's take a look at three home appraisal facts that every homebuyer needs to consider.

1. An appraiser's valuation is his or her opinion of what a residence is worth.

Typically, a home appraiser will use a broad assortment of housing market data as part of a home assessment. The appraiser also will look closely at a residence as part of the home evaluation process.

Although a home appraisal is based on housing market data and a home assessment, it is essential to note that a home valuation is an appraiser's opinion. Therefore, two home appraisers may examine the same housing market data and the same house and come up with two different home valuations.

2. The homes in a neighborhood may affect the valuation of a residence.

Believe it or not, a home's value may be impacted by those around it. Thus, if you intend to buy a home, it often pays to evaluate the neighborhood to better understand whether a house's value will decline, stay the same or increase over time.

Furthermore, what you spend to improve a house is unlikely to raise a house's value proportionately. And if you spend $20,000 on home improvements, there are no guarantees that these home improvements will add $20,000 to a home's valuation.

3. A home appraisal and a home inspection are two very different things.

A home inspection often is considered a must-have during the homebuying process, and perhaps it is easy to understand why.

During a home inspection, a property expert will ensure there are no structural issues with a home and identify any problem areas. Then, a homebuyer can move forward with a home purchase, rescind a home offer or submit a counter proposal based on a home inspection report.

On the other hand, a home appraisal enables a property expert to evaluate the house in its current state. A home appraiser will compare and contrast a home in relation to others in the area and offer a valuation.

If you need help determining whether to conduct a home appraisal, a real estate agent is happy to assist you. With a real estate agent at your side, you can determine whether to set up a home appraisal prior to finalizing a home purchase.




Tags: Buying a home   appraisal  
Categories: Uncategorized