Remodeling a Building: 4 Things You Need to Keep in Mind

old buildings

Remodeling your building is one of the few considerations you need to have if you want to improve the condition and function of your structure. However, it requires thorough preparation and inspection to make sure that your project is feasible. On top of that, such examination and procedure will also help you determine the cost of the project and how long it will take to get finished.

When it comes to preparation, you need to keep a list. Things need to be specific so that you will not forget anything. Just missing a few details may cause some problems down the line, and some of these problems may even cause a dent on your budget.

Here are some of the most important pointers that every civil engineer, building manager, and even the project manager should keep in mind.

Where to keep the items

Before your contractor goes at it, you will need to take care of the things that will be displaced due to the construction. This makes the perfect time to get rid of the items that you are not using anymore.

For one, you may want to hold a garage sale where you can sell your old office furniture and equipment. Once you have gotten rid of the spare items, the essential ones should be kept properly. You can have them in your basement or rooms in the building that will not be affected. Otherwise, you may want to find a self-storage facility.

Picking temporary work locations

You need to realize that your employees and staff will also be displaced due to the construction. With that, you may want to make some necessary arrangements to keep the continuity of work.

If there are some rooms in your building that will not be affected, you can have them there, but keep in mind the comfort of the people. If this is not feasible, you may need to rent an extra office space near the building. A co-working space also makes a good idea.

Maintaining security

security camera

During the construction phase, your contractors and the staff will have permission to go around the area. You can trust them, but you cannot trust some opportunists who may pose as one of them. To prevent theft and vandalism, you should set up security measures. You may appoint a security guard or better yet, install construction site security cameras.

Talking to the project manager

There are many things to do when it comes to construction. To speed things up without compromising quality, you should talk to your project manager regarding the delegation of tasks. That is one of the best ways to ensure the quality of work while seeing to it that each phase of the construction meets its deadline.

These are just some of the things to keep in mind when it comes to building construction and remodeling. To smoothen the plan, coordination with the engineers and project managers is necessary.

 

3 Ways to Effectively Use Brackets in Your Living Space

wall-mounted closet

When it comes to interior design, one is only limited to imagination. That’s why when it comes to being creative with how you use different elements in the space, it is important to give your home a unique style that is truly yours.

After all, a majority of us spend most of our lives searching for a place we can truly call home. Little do we know — with just interior design elements, we can transform any space to a safe haven or a sanctuary, so to speak.

An example of a home item that can have more purpose apart from its original function is wall brackets. These three home ideas are a perfect way to get creative with this wall decor.

1. For decor

The most obvious approach is to use these as wall mounts. Instead of going simply for a TV mount, wall brackets can be used as wall hangs to display decor. Wall decor could either be accents or even the centrepiece of a living space, depending on how the decoration is done.

Wall brackets can support small trinkets, such as scented candles or plates. For kitchens, wall brackets — smartly transformed with the right paint and styling — can become an effortless open-cabinet for plates.

2. Racks and support

The beauty of the shape of wall brackets is that they can provide great support on a lot of things. This is why it can even be transformed into something as heavy-duty as a table. Wall mounts can be used to support the edge of a table to give it the appearance of floating or even just supported by thin legs.

Another versatile way of using wall mounts is to use them as rackets. Simply mounting the support to a wall can transform them into a neat clothes rack or even as sturdy as a bike rack.

3. Fence planters

planters

As already mentioned, you can get as creative as you like with any decor item inside or outside your home. The use of wall mounts is not limited to indoor applications. If you are looking for sturdy support to create a makeshift planter, for instance, industrial wall brackets can be a great solution to your problem.

Planters can be secured on shelf brackets; all you need to do is paint them in the same colour as the planters or the fence. This can create a rustic or industrial feel in your garden area, which is a popular trend in design themes these recent years — and it won’t seem to go away any time soon.

Even something as industrial and straightforward as a wall mount can have many uses for the home — and not just for function but also for fashion. All it takes is a little creativity to transform these items into a quaint interior decor addition.

You, too, can turn any dull item into a centrepiece or an accent piece for your room or even your entire house. You could start with these ideas for wall mounts.

Applying for a Mortgage: Four Things You Shouldn’t Do

To take out a mortgage in Florida successfully, you can’t afford to make any mistake. What you do and don’t do before your application would be magnified and could make you appear riskier to lenders. Before you express an interest in having a mortgage in Fort Myers or any neighboring community, avoid the following bad decisions.

Looking for a House First

Many people hunt for properties to know what the market has to offer. A home search is a harmless activity but not when you’re about to visit a lender’s office.

The amount you can borrow depends on your creditworthiness, not on the price of the property you fancy. The countless hours you spend browsing through listings could go down the drain if you couldn’t find a lender willing to loan you enough money.

Knowing the highest amount of funds you can get with your credentials before narrowing your property options is logical and time-saving. You can seek pre-qualification or pre-approval to get an estimate of how much you can borrow from your prospective lender. This way, you wouldn’t have to waste your time and energy considering properties you actually couldn’t afford.

Acquiring More Debts

Mortgage Contract

A mortgage will consume a large chunk of your monthly income, so any lender will be curious to know your current debt-to-income (DTI) ratio. Your DTI ratio reflects how financially flexible you are. The higher it is, the less capable you are to manage debts.

The maximum DTI ratio varies by lender, but the universally acceptable ceiling is 43%, although you may still secure financing if you go over 50%. When calculating your DTI ratio, don’t exclude your would-be mortgage payment. Your back-end DTI ratio, the one that includes all of your debts, should be less than half of what you make every month. A sub-50% DTI ratio means there’s enough money for other expenses.

To avoid increasing your DTI ratio right before your mortgage application, don’t get any other loan. Obtaining a new debt also triggers a hard inquiry that may slightly bring your credit score down, so you can be hit with a double whammy.

Closing Your Oldest Credit Account

If you think cutting your old credit card is a symbolic gesture of financial responsibility, you couldn’t be more wrong. Doing so can reduce the average age of all of your credit accounts, which may make you look like a less experienced borrower. Considering that the age of credit represents 15% of your FICO score, it’s best to leave your oldest credit account.

Ignoring Errors on Your Credit Report

Never assume that your credit report is 100% accurate, especially when applying for a mortgage. It may contain errors that can reduce your FICO score and disqualify you for lower interest rates.

All of the people behind your credit report are fallible, including yourself. You may have applied for credit cards or loans under different names. Some of your creditors probably don’t report your good payment history. Credit bureau staffers can also commit clerical mistakes. Review your file months ahead of your mortgage application and dispute every inaccuracy you will find.

Mortgage application denial usually stems from imprudence and lack of foresight in the part of the borrower. Every rejection can cause you frustration and negatively affect your credit score, so make sure to do what’s necessary to succeed sooner than later.

Quick and Easy Pointers on Speedy House Viewing for Newlyweds

newlywed couple

Now that you’ve prepared yourself financially for your new home, the next step for you is to proceed with the actual search. While it’s true that house hunting can get exciting for first timers, falling head over heels for every deal and home you see will only make the process longer than it should be. To save you both the time and effort, you can follow these suggestions when you go looking for your future home:

Inspect the House Thoroughly

Check if the basic utilities of the home are fully functional. Lighting fixtures, electrical wiring, plumbing, and HVAC systems are just some of the parts that you need to check immediately. If one of these has a problem, then you’ll have to prepare for the possible expenses you need for repairs. If there are two or more, then you’ll be better off looking somewhere else. You can even throw in pest control to see if there are any other “tenants” waiting for you there.

Survey the Location

You’ll also need to take into account where the house is situated, both for convenience and the potential costs. Ask the agent about the property’s distance from important places such as your workplace or school for your future children. It’s best that the house you choose is near those places since you’re going to have a family. Take note of the ones that match those criteria to narrow down your list. Being near any amenities also has the bonus of increasing the home’s value, thereby making it easier for you to sell when you want to move to a new house or if you’re in need of money.

Conduct Your Own Research

couple in their new home

If you want to ensure that the place is free from any “secrets” that the agent is hiding from you, then ask around and do some research. Ask your neighbours about the house that you’re currently inspecting for any additional information about former inhabitants. You can even try looking for background information on your own. By asking around, you’ll be able to know more about the state of the house and its neighbourhood. To make it easier on the two of you, however, it’s better to just stick to the new house and land for sale around Whittlesea, Victoria, which you have already checked out before.

Make a List

If you’re looking for certain amenities or features in your future home, then it’s best that you list these down before you talk to the agent. This makes the search easier and faster because you’re giving the agent a definite set of criteria to base their offerings on. Try not to be disappointed when you can’t find one that ticks all the boxes on your list and consider those that are closest to your ideal description. Either that or check if your demands are realistic and adjust accordingly.

Just like with marriage, you need to think your decision through with your partner to make sure that the two of you are not getting a bad deal. Don’t go deliberating for too long, though, or else you might miss out on the best one you’ve found. Be prompt and wise with your decision making, and soon, your new home will be within reach.