Deborah Goldberg | Hamden Real Estate, North Haven Real Estate, New Haven Real Estate


There’s things that you’re doing right in your home to keep everything flowing. There’s probably also things that you’re doing wrong that could deter from how much you actually love your home. The bedroom is a tricky space. There’s a delicate balance that exists. You really shouldn’t be doing much in the bedroom except for sleeping, according to experts. This helps to keep our sleep/wake cycles in balance. If you regularly walk into your bedroom and seem to find that something is missing or off slightly, you may want to heed some of the tips below. Also if you’re having trouble sleeping, you should double check the design of your bedroom. Your bedroom can be the place of peace that you deserve! Keep Away From Bright Colors Loud prints and loud colors don’t help to make your sleeping apparatus an oasis. Stick with basic colors that can work well with anything. Adding decorative throw pillows is a great way to add color to your bed without the noise. Fill the Walls With Character Don’t leave the walls of your bedroom bare. Be sure to choose cool artwork. Your bedroom is a reflection of who you are. Find art and decorative pieces for the walls that you love. Not only will this help you to express yourself, it will bring you happiness every time you enter your bedroom. Clean the Clutter It’s easy to let clutter pile up, especially in the bedroom. Make sure you’re cleaning everything up regularly. This will save you from long hours of cleaning at a later date. It will also save you from stress. Clutter can cause us to feel anxious. You definitely don’t want those feelings of chaos when you’re in the room you’ll be sleeping in. Keep Lots Of Lighting Options Available Lighting in your bedroom should be multi-faceted. There should be lights accessible from wherever you are. Whether it be a bedside table lamp, a reading light, or a bright overhead light, you need more than one option for lighting when you’re in the bedroom. Window Treatments Don’t skimp on the windows of your bedroom. Hang some curtains for a more complete feeling in the room. Also, make sure the blinds or shades that have been installed block out the light well. Not taking care of windows in the proper way could cause you to sacrifice both sleep and privacy in your bedroom. More Tips When it comes to sleeping, you want to get the best rest possible. That’s why you should keep electronics out of the bedroom. While we live in a technology obsessed world, you’ll sleep much better if your phone is away from you during the night. If your phone is your alarm, consider keeping it far away from the bed in another part of the bedroom.

Credit is tied to most big financial decisions you will make in your life. From things as little as opening up a store card at the mall to buying your first home, your credit score is going to play a factor. When it comes to mortgages, lenders take your credit score, particularly your FICO score, into consideration in determining the interest rate that you will likely be stuck with for years. How is your credit score determined and what can you do to use it to get a better rate on your mortgage? We'll cover all of that and more in this article.

Deciphering credit scores

Most major lenders assign your credit score based on the information provided by three national credit bureaus: Equifax, Experian, and TransUnion. These companies report your credit history to FICO, who give you a score from 300 to 850 (850 being the best your score can get). When applying for a mortgage (or attempting to be pre-approved for a home loan), the lender you choose will weight several aspects to determine if they will lend money to you and under what terms they will lend you the money. Among these are your employment status, current salary, your savings and assets, and your credit score. Lenders use this data to attempt to determine how likely you are to pay off your debt. To be considered a "safe" person to lend money to it will require a combination of things, including good credit. What is good credit? Credit scores are based on five components:
  • 35%: your payment history
  • 30%: your debt amount
  • 15%: length of your credit history
  • 10%: types of credit you have used
  • 10%: recent credit inquiries (such as taking out new loans or opening new credit cards)
As you can see, paying your bills and loans on time each month is the key factor in determining your credit score. Also important, however, is keeping your total amount of debt low. Most aspects of your credit score are in your control. Only 10% of your score is determined by the length of your credit history (i.e., when you opened your first card or took out your first loan). To build your credit score, you'll need to focus on lowering your balances, making on-time payments, and giving yourself time to diversify your credit.

What does this mean for taking out mortgages?

A higher credit score will get you a lower interest rate. By the time you pay off your mortgage, just a hundred points on your credit score could save you thousands on your mortgage, and that's not including the money you might save by getting lower interest rates on other loans as well. If you would like to buy a home within the next few years, take this time to focus on building your credit score:
  • If you have high balances, do your best to lower them
  • If you have a tendency to miss payments, set recurring reminders in your phone to make sure you pay on time
  • If you don't have diverse credit, it could be a good time to take out a loan or open your first credit card
When it comes time to apply for a mortgage, you'll thank yourself for focusing more on your credit score.

Updated and clean 1 bedroom apartment. Central air, washer and dryer in basement. Located on bus line, convenient to Merritt Pkwy, I-91/I-95, New Haven and Yale. NO SMOKING, NO PETS. AVAIL FEB 1, 2018

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2557 Whitney Ave Unit B, Hamden, CT 06518  

Rental
$900
Price
3
Total Rooms
1
Bedrooms
1
Baths
Updated and clean 1 bedroom apartment. Central air, washer and dryer in basement. Located on bus line, convenient to Merritt Pkwy, I-91/I-95, New Haven and Yale. NO SMOKING, NO PETS. AVAIL FEB 1, 2018


The exterior of your home is just as important as the interior. The outside needs to fit the needs of you and your family. Good landscape design can have a big impact on a home. A high quality exterior allows for outdoor activities and brings more value to your home. 

The big question is- who will do the landscaping? You and your family? Maybe you’ll hire a professional landscaper to help you complete these jobs. Landscaping isn’t a simple job. It’s more than adding stones and walkways to the yard and planting or mowing grass. When you want to transform the outside of your home, you’ll need a vision and plans to execute that vision. Here’s just some of the advantages to hiring a professional landscaper:



You’ll Get What You Pay For


These landscaping professionals are just that- professional. You’ll know when you hire them that you’ll be getting high quality work in return for your investment. While you may miss trimming a few branches of a bush on your own, a pro landscaper will get every last leaf.    


How Much Will Materials Cost?


It would take time to look for materials that can be used for landscaping. It would also be an out-of-pocket expense for you to include with the time it takes to complete landscaping jobs on your own. Professional landscapers have these supplies readily available to them.  


Landscaping Takes Time


If you hire a landscaper, they know exactly what they’re doing. They’re also completing a job while you are off doing other things. You’ll save quite a bit of time if you hire one.  


Landscapers Know What They’re Doing


When you hire a landscaping professional, they know what kinds of plants that you’ll need to get your desired look. They’ll also know how to care for these plants. You could run into quite a few problems without the proper knowledge and experience. Left on your own, there are many different things that can go wrong while completing a landscaping project. You could place the plants in the wrong order, not have level ground, or end up with a lower quality project than you had originally hoped for. When you hire a professional, you know that a project is being carefully planned from start to finish. If the company doesn't execute it the way you’d like, you can always request that they fix it. If you make a major mistake on your own outdoor project, it’s on you!


There’s many advantages to hiring professional landscaping help. From regular yard maintenance to major outdoor projects, it’s a good idea to have help that knows exactly what they’re doing to save you from headaches at a later time.    




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