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In today’s competitive real estate market, more and more buyers are trying to beat out other offers by paying cash. While there’s no denying that buying a house with cash has many benefits, it isn’t necessarily the best choice for every buyer. If you’re thinking about purchasing a home with cash you’ve saved, then here’s what you should know.

Gather your money

Is your cash socked away in a variety of places? Then you’ll want to gather your money before you begin the homebuying process. If your money is in places like money market accounts or stocks, then talk to a financial advisor or tax professional before you cash them out. There may be implications for liquidating these assets.

Get a proof-of-funds letter

Once you’ve gotten your money together in one place, it can be helpful to get a proof-of-funds letter from your bank. This will make your all-cash offer even more competitive against other offers. It’s also more secure than providing a bank statement to show evidence of your funds, as statements can contain sensitive financial information.

Consider adding contingencies

It’s common for buyers to include contingencies when making an offer on a house. One of the most common contingencies is a financing contingency. This states that you won’t be on the hook for buying the home if you don’t qualify for financing. Fortunately, as an all-cash buyer, you won’t need to include this contingency. But you should consider adding an inspection contingency to ensure you’re buying a home in good condition. You might also add an appraisal contingency to ensure you’re paying fair market value for the home.

Prepare for the closing process

While buying a home with cash makes the closing process much easier, it doesn’t eliminate it altogether. There are still important steps you need to take before closing on the house. This includes performing a title search to make sure the home is clear of any liens or other encumbrances. You should also have a home inspection and land survey, which will define the boundaries of your property.

Secure money for the closing

When you buy a home with cash, you’re not bringing a briefcase full of Benjamins to the closing. You will need to get a cashier’s check for the amount of the home, minus the money you paid as an earnest money deposit. Funds can also be applied via wire transfer. Make sure you understand how the money should be delivered before you get to the closing table.

Do a final walk-through

Before you finally close on the home, you should do a final walk-through. This way you’ll know the home is in the condition you are expecting. Make sure that everything that is supposed to be included with the home is there and that the home is clean.

Be ready for other closing costs

While closing costs for all-cash deals are often less than when you’re financing the purchase, you should still prepare for some additional fees. This could include fees for the title search, agents’ fees, and homeowners association fees. Know who will be responsible for paying each of the fees, which should be clearly stated in your contract.

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While we all love a good scare on Halloween, it’s no fun if someone actually gets hurt. Crime rates and insurance claims tend to be higher on Halloween than on any other day of the year. That means it’s more important than ever to make safety a priority on Fright Night. Here are our best tips for making sure your home is safe on Halloween.

Keep pets away

If you’re planning to have guests over for Halloween or you’ll be handing out candy to trick-or-treaters, then you should make sure your pets are kept in a closed room. While your dog may be the friendliest on the block, Halloween can be a confusing and scary time. Some dogs will be disoriented by all the noise, and people in costumes can be scary. In order to keep everyone safe from a dog bite, keep yours away from the action.

Turn off alarm

While this is not something we’d recommend any other day of the year, we do advise you to turn off your home alarm system if you’ll be handing out candy. You will be opening and closing your door many times, and turning off your system will prevent a false alarm. That way, emergency services won’t need to waste time responding to them.

Don’t use real flames

Nothing says Halloween like creepy jack o’ lanterns on your front porch. But don’t use real candles inside those pumpkins. Small children in costumes are more likely to trip and fall, and if a real candle gets knocked over it could cause a fire. Instead, opt for battery-operated candles. Many of them look just like the real thing.

Turn on the lights

While creating a creepy atmosphere is one of the fun aspects of Halloween, you need to make sure that your guests and trick-or-treaters can see. Turn on outside lights to help prevent trips and falls. You can always swap out a white light for a spooky color like green or red. You can also decorate with lighted displays that will add to your spooky environment.

Sweep up leaves

Dead leaves and Halloween go hand-in-hand. And while piles of dead leaves add another level of spookiness to the holiday, they can also be a hazard. Before guests arrive, sweep your walkways and driveways so they are clear of debris. This will help prevent unnecessary accidents.

Park in the garage

If you have a garage that accommodates a vehicle, then use it on Halloween. Cars are more likely to be vandalized on Halloween. Keep yours safe by keeping it in a locked garage. You can browse the wild selection of auto paint here if you need to paint your car! If your garage door is broken, visit site here to get it repaired. If you don’t have a garage, then try to park your car in an area with low traffic. Keep the doors locked and the alarm system on. You may get expert help from a professional locksmith if you need to replace your residential or commercial locks. Contact a professional locksmith if you want to have vingcard hotel locks system installed.

Practice social distancing

It’s hard to believe this is the second Halloween where we’re still battling the pandemic. While restrictions have eased in many communities, it’s still important to practice basic safety measures. This includes only passing out wrapped treats and keeping a safe distance from anyone who visits your home. It’s better to err on the side of caution this year to keep your friends and family safe.

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First impressions matter when you’re selling your home. That’s why curb appeal is so important. The exterior of your home is what potential buyers will see first, whether they’re searching online or in person. You want your home to be welcoming and inspire buyers to walk in the front door. Fortunately, you don’t have to spend a fortune to amp up your curb appeal. Here are some great ideas for sprucing up your curb appeal this fall without breaking the bank.

Add fall flowers

Nothing says fall quite like mums, and they’re an affordable way to make your house look especially charming right now. A couple of strategically placed mums on your front porch will make your home look cheerful and inviting. Just remember to water them (or better yet — purchase fake mums so you don’t have to water at all!).

Stock up on pumpkins

Much like mums, pumpkins are definitely a sign of fall. And they are very inexpensive. Buy a few cute pumpkins and gourds to use as a display around your front door. They can be stacked on small straw bales, placed on front steps, or nestled next to mums for a truly charming touch.

Paint the front door

Having an inviting front porch is key when creating curb appeal. When was the last time you painted your front door? For the cost of a gallon of paint, you can make a big impact. Choose a vibrant color that will catch the eye. Red is a popular color for front doors. Orange, yellow, green, and blue can also look very nice.

Replacing windows and doors is also one of the easiest ways to make your home look more appealing, and a front door replacement with the help of Leesburg VA door installation company can have the biggest impact of all.

Update the house numbers

You would be surprised by how much updating your house numbers can change the vibe of your home. If your house numbers haven’t been changed since the Nixon Administration, then maybe it’s time to get some new ones. Remember, your house number should be easy to see from the road so that buyers can see it when they drive by.

Keep the yard tidy

Autumn leaves will make your home look beautiful without any effort on your part. Unless they’ve already fallen to the ground. In that case, you need to tidy them up. In fact, you should give your front yard some attention before showing your house. Mow the yard, trim trees and shrubs, clean the gutters, rake up leaves, and edge around walkways and garden beds. Consider seeking a stump grinding service if you recently had a tree cut down and are left with an unsightly stump. You may also order stones and gravel from a local stone gravel supplier if you’re planning to build retaining walls or pathways in your yard. And if you need help with tree care, then you might want to consider getting help from professional tree diagnosis services.

Get a new mailbox

Updating your mailbox is another inexpensive way to give your front yard a makeover. You can purchase a new one or simply paint your existing mailbox in a new, fun color.

Add fresh mulch

Once you’ve cleaned up the yard, then add fresh mulch to garden beds. It’s amazing how much fresh mulch will add to your curb appeal. The bonus is that it will also suppress weeds.

Add seating

Finally, nothing says “come stay awhile” like a bench or a couple of comfortable chairs on your front porch. Remember, you want to show potential buyers all the ways in which your living spaces can be used. If your front porch will accommodate a seating area, then you should definitely stage it as such.

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Is a down payment standing between you and your dreams of homeownership? Most people think you need at least 20 percent down in order to buy a home. But that isn’t always the case. In fact, it’s quite possible to pay much less than 20 percent — or even nothing at all. Sound too good to be true? It’s not! Here’s what you need to know.

Shop around for a mortgage

While most conventional loans require buyers to put down 20 percent on a home, there are several loans that don’t. Aside from conventional loans, you should spend time investigating loans that are backed by the federal government. While the government doesn’t loan the money, they do guarantee the loans should you default. One of the most popular federally-backed loans is an FHA loan. This mortgage is guaranteed by the Federal Housing Administration and many buyers qualify for down payments of as little as 3.5 percent. You may also consider exploring private real estate loans.

If you’re a veteran, then you could score an even better deal. VA loans that are backed by the Veteran’s Administration offer mortgages that require no money down. The same is true for USDA loans. Each of these programs has certain requirements that must be met in order to qualify. But if you do qualify, they are a great choice.

If you’ve found your dream home, this mortgage broker chatanooga can help you get into it as soon as possible. Their team of experts works around the clock to get your information, quotes, and loan approved in a streamlined way.

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Research financial assistance programs

If you’re a first-time homebuyer, then you have even more resources at your disposal. You may qualify for financial assistance programs that help to offset the cost of your down payment — or eliminate it entirely. The availability of these programs varies by location, check out this mortgage broker company in Red Deer to see what’s in your area. Some of these programs also cover closing costs.

Refinancing can eliminate PMI

When you put less than 20 percent down on a home, then you’ll be required to pay private mortgage insurance (PMI). These payments are in addition to your monthly mortgage payments. But be aware that once you’ve got 20 percent equity in your home, you can refinance which will eliminate those PMI payments. You may also be able to get a loan with a better interest rate than your original loan.

Saving for a down payment

If you still feel like you don’t have enough for a down payment, then consider alternative ways to save that money. Some of the ways you can quickly increase the amount you have available for a down payment include:

• Automating your savings plan so contributions are automatically deducted from your bank account.
• Paying down high-interest debt or refinancing existing debt.
• Saving tax returns and stimulus money.
• Selling items from your home you no longer use.
• Reducing your expenses by moving into a smaller apartment or selling an extra vehicle.
• Asking for a raise at work.
• Accepting a monetary gift from a family member (hey, Christmas is right around the corner).
• Skipping a vacation and taking a staycation instead.
• Finding a side hustle and saving all the income from that job.
• Rent out a spare room in your home or even a parking space.

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While today’s real estate market remains hot, there’s no denying that it can be a long and challenging experience for buyers. There are more people looking for homes than there are homes for sale. For some buyers, this means making many offers on homes that end up going into contract with someone else. If you’re a buyer who has been dealing with a long home search, it may certainly be frustrating. But there are things you can do to shift your perspective until you finally get an accepted offer.

Know what you’re getting into

When you begin your home search, have an honest conversation with your real estate agent about expectations. Your agent is an expert in your market and can give you valuable advice about how long it may take to close on a home in your area. As tough as it may be, buyers need patience in today’s market. Knowing what to expect before you begin can help to ease some of that frustration.

Accept that it might be hard

The beginning of any home search is often a very exciting time. Daydreaming about moving into your new home is part of the process. But as the weeks go by and you still haven’t had an offer accepted, you may start to have some negative emotions around the experience. This is completely normal. Accept that the process will be tedious and long, but try not to dwell on it.

Reward your hard work

Searching for and touring homes for sale takes time and it can certainly tap some of your energy. You may feel depleted after a long day of house hunting. For this reason, you should plan to reward yourself along the way. Order a pizza from your favorite restaurant, binge a fun show on Netflix, or simply take a long, hot bath. Buying a home is hard work, and you should take care of yourself along the way.

Know your best offer

It’s essential to know how much house you can afford before you begin your search. Not only does that keep you from going over your budget, but it also helps you lead with your absolute best offer. When several potential buyers are bidding on the same home, you want make the best offer you can so you have no regrets later. Crunch the numbers so you know what that offer will be and can act quickly.

Take a break

Unless you have a hard deadline like moving for a job, don’t be afraid to take breaks from your home search. Remember — your real estate agent is also looking at listings for you. They can alert you should a home become available that’s just right for you. Give yourself a break from constantly refreshing your web browser in search of a new home.

Work with a great agent

In today’s real estate market, it’s more important than ever to work with a great real estate agent. They know the ins and outs of your local market and can advise you throughout the process. Working with an expert can help relieve a lot of the home buying stress, so it pays to interview several agents before choosing the one that’s best for you.

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Shopping for a mortgage is one of the first things you’ll do on your homebuying journey. Many buyers are aware that there are several types of mortgages available, including conventional loans and those backed by the federal government. But one option that most people aren’t aware of is a balloon mortgage. So what is a balloon mortgage, and could it be right for you? Let’s take a look.

What is a balloon mortgage?

A balloon mortgage is a type of loan that generally has a short term of five to seven years. After that term, the remainder of the loan must be paid in one lump sum, referred to as a “balloon payment”. Balloon mortgages often have low monthly payments, but are not typically appropriate for most buyers. The buyers who most frequently opt for a balloon mortgage are those who are planning to sell the home before the loan expires or those who have a plan in place for paying the lump sum.

How does it work?

Unlike traditional mortgages, balloon mortgages do not amortize during the life of the loan. With a typical mortgage, a buyer will make monthly payments over the life of the loan until it is paid off. But with a balloon mortgage, the monthly payments often stay the same until the term ends. At that time, the remaining balance must be paid in full.

What are the benefits of a balloon mortgage?

It may seem like a balloon mortgage isn’t a good choice for a home loan, but it does have advantages. First of all, balloon mortgages often have low interest rates. When your interest rate is lower, your monthly payments are lower. Secondly, the terms of the balloon mortgage are much shorter, which means you’ll pay less interest. Thirdly, you may be able to afford more house with lower interest rates and lower monthly payments. As we stated above, balloon mortgages can be viable options for those buyers who are planning to sell before the loan term expires, making it easy to pay off the remainder of the money borrowed.

What are the drawbacks of a balloon mortgage?

While there are certainly advantages to balloon mortgages, they do have drawbacks as well. Balloon mortgages can be risky for buyers because of that lump sum payment at the end. You’ll either need to sell or have a substantial amount of money saved up to pay off the loan. Balloon mortgages are also risky for lenders because of the risk of default. Another drawback is that even though a buyer may get a low interest rate for a balloon mortgage, they could get an even lower rate with a qualified mortgage like a FHA or VA loan. Balloon mortgages are also challenging to refinance because you’ll build up less home equity, making it more difficult to qualify.

Should you get a balloon mortgage?

In most cases, a balloon mortgage is not the best option for buyers. They come with a lot of risks and they can be difficult to find. But if you plan to sell quickly or know for sure that you’ll have the money to pay off the loan, then balloon mortgages can be an option to consider.

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Did you become a pet parent during the pandemic? Congratulations! Taking care of houseplants is a wonderful hobby that has many health benefits. But what happens when it’s time to move? How do you relocate all your beloved plants without harming them? It just takes a little bit of know-how and preparation. Here’s what you need to know to get your lovely houseplants from one location to another without issue.

Get a head start

The best thing you can do to make sure your plants survive your move is to get a head start. That means removing dead leaves and pruning away any dead branches. Be sure to also give them a good dusting and check for weeds and pests.

Make them lighter

Moving can be exhausting, and you don’t want your plants to add to your already heavy load. If you have any plants that are in heavy pots, then consider repotting those plants into lightweight plastic containers for your move. Your back will thank you!

Don’t put them on the moving truck

If you’re planning to use a moving truck to move your belongings, then don’t add your plants to the mix. Your green babies could easily overheat or get too cold in a truck (not to mention get easily damaged). For this reason, you should consider keeping your plants in your car with you. If your move is a multi-day trip, then bring them inside on your stopovers.

Monitor the water

It’s important to monitor your plant’s water levels when you move. If you’re moving when it’s hot, then be sure your plant stays hydrated. But if you’re moving during cold weather when your plant is dormant, you’ll want the soil to remain relatively dry during transport. If you need a more reliable source of water you could consider getting a well pump installation if your property is big enough. Make sure that your water well is regularly serviced by a well repair company to avoid costly damages.

Check local laws

Did you know it isn’t always legal to transport live plants across state lines or country borders? Check local laws before you get your plants ready to move so you know what to expect.

Have plants shipped

Do you have more plants than what will actually fit in your car? In that case, you may want to look into having your plants shipped. Many plants make it through the mail system with no problems, it just requires a little prep. Remove pots, wrap root balls in wet towels and plastic, and secure them in sturdy boxes.

Take a baby

Sometimes, it’s just too much work to take all your plants with you. While it can be difficult to say goodbye to your favorites, you can take a piece of them with you. Many plants will regrow from cuttings. So don’t be afraid to take a few cuttings from a favorite plant so that you can regrow it in your new home.

Say goodbye

In some cases, you may just have to say goodbye to your beloved houseplants before your move. Fortunately, many people would be happy to be the new owners. You can give your plants away to friends and neighbors or even post them online for sale. There will always be new plants for you to discover and cherish in your new home.

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Living on a quiet residential street is a top priority for many homebuyers. That’s why cul-de-sacs have become so popular in the last few decades. But what is a cul-de-sac and is it the right choice for you? Let’s take a closer look at the pros and cons to help you decide.

What is a cul-de-sac?

You’ve certainly seen them but maybe didn’t realize they had a name. Cul-de-sacs are found in residential areas and are dead-end streets with rounded ends that make it easy for a vehicle to turn around. The word “cul-de-sac” is French and can be translated as “bottom of the sack”.

Pro — less traffic

One of the biggest advantages of living in a home on a cul-de-sac is that there’s less traffic. Typically, the only vehicles that drive down a cul-de-sac are those owned by residents or their guests. Less traffic can mean greater safety. And it’s a huge bonus if you have kids. It’s much easier for kids to play in the neighborhood without parents feeling too worried about traffic accidents. Visit this website to know more about auto zone.

Con — less accessible

While less traffic is certainly desirable, cul-de-sacs can make it more difficult for emergency services to reach your home. For example, after a big snowstorm, neighborhoods with cul-de-sacs may be the last to get plowed. And if you live at the end of the street, you may inadvertently get plowed in. In addition, if there’s a storm that knocks down a power line or tree limb, you may get trapped on your street until emergency services come by to clear the road. Since there’s only one way in and out, that can be an issue during an emergency.

Pro — it promotes community

If you’re the type of person who loves a good block party, then cul-de-sac living can be a home run. Residents of cul-de-sacs can get to know their neighbors quickly, which can build a sense of community.

Con — it’s hard to escape bad neighbors

Cul-de-sacs are great for building community — unless you have really lousy neighbors. If you have a neighbor who is loud, rude or doesn’t take care of their property, then it’s tough to get away from it.

Pro — it’s quiet

Since cul-de-sacs are essentially dead-end streets, they tend to be quieter. This can be a great benefit if you work from home or value your privacy. You won’t get much traffic noise and cul-de-sac homes tend to feel more private.

Con — less parking

Parking can be an issue when you live on a cul-de-sac. There’s less street parking available on a cul-de-sac. For this reason, your neighbors may park in front of your home or even potentially block your driveway. And if you or a neighbor has a party, there may not be enough parking for all your guests. You can improve your parking space by hiring line marking companies like carparkpaint.uk

Is a cul-de-sac right for you?

As you can see, there are many benefits and drawbacks to living on a cul-de-sac. When you’re ready to shop for a home, it’s essential to create a list of what you’re looking for. That way, you’ll know whether or not a home on a cul-de-sac can fulfill your needs. When in doubt, talk to some people who live on a cul-de-sac to see if it might be right for you.

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Fall is here, and that means it’s time to get your home ready for the change of seasons. Even if your region doesn’t experience snow or freezing temperatures, it’s important to complete these chores every year. Here’s the rundown of what maintenance you should be doing to get your home ready for fall and winter.

Clean gutters

It’s essential to check and clean your gutters in the fall. Gutters help to direct rainwater away from your home, preventing leaks in the foundation. Leaves and debris can accumulate in your gutters which can make them work less efficiently. While you’re cleaning, check for signs of roof damages that may require professional roofing services.

Seal cracks in windows and doors

Drafts will make your home less energy-efficient and drive up your energy bills. Before the temperatures drop below 50 degrees, check the caulk around doors and windows. If it’s cracked or getting old, then replace it. Find good handymen in London to do home repairs for you. Be aware that caulk does not cure when it drops below 50 degrees, so complete this job sooner rather than later.

Protect outdoor plumbing

There is nothing worse than a burst pipe caused by freezing temperatures. That’s why you need to protect your outdoor plumbing before the temperatures plunge. You may hire a professional plumber from reliable and trusted companies like Mackin & Sons Plumbing. Drain the water from outdoor faucets and turn off the valve that supplies water to them. Visit sites like craftsman-plumbing.com/plumbing-installation-in-seattle-wa/ for professional help. If your septic tank is almost full, contact a plumber in Gainesville now who can provide residential septic tank pumping services as it may be harder to work on your septic tank in the winter.

Store outdoor furniture

Yes, outdoor furniture is made to withstand weather. But that doesn’t mean you should leave it out all winter long. If possible, store your outdoor furniture in your shed or garage. If that’s not possible, then purchase coverings for your outdoor furniture. This will greatly extend the life of your outdoor seating.

Replace batteries

The changing of seasons is the best time to replace batteries in smoke and carbon monoxide detectors. In fact, one of the easiest ways to remember to complete this chore is to do it during Daylight Saving time. If you have hardwired detectors, then check for battery back-ups and replace those.

Change filters

Another important chore to complete this fall in your home is changing your furnace filter. Your furnace cannot run properly with a clogged filter. In most cases, you should consider completing this task monthly, not just during the change of seasons to avoid any untimely furnace repair. Many filters can be vacuumed and reused before they need to be replaced. It just takes a couple of minutes but will make a big difference in how efficiently your furnace operates,

Check winter tools

If you live in an area that gets snow, then you should check your winter equipment before the first flake hits the ground. Getting that first snowstorm is delightful until you realize your snowblower is out of commission. Make sure your equipment is working properly and have it serviced or replaced as needed.

Don’t forget the lawn

With winter approaching, it’s easy to disregard your lawn. After all, you won’t be mowing it again for many months. But maintenance that you complete now can make a big difference in the spring. Roots are still growing in your lawn, so applying fertilizer in the fall can help prevent damage over the colder months. It will also revitalize your lawn more quickly in the spring.

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You’re not just buying a home. You’re becoming part of a neighborhood. One of the perks of homeownership is feeling invested in your community. Having good relationships with your neighbors can be a great benefit. It can help you feel safer, make you feel less lonely, provide a lifeline when you need help, and add to your sense of well-being. So how do you be a good neighbor and build lasting relationships? Let’s find out.

Introduce yourself

When you move into your new neighborhood, introduce yourself to your nearest neighbors. If you feel uncomfortable knocking on doors, then just take the opportunity to say hi to those you meet when you’re out for a walk.

Be aware of noise

Noise can be a big problem for some neighbors, so be aware of how much noise you are making. Also, pay attention to the general level of noise in your new neighborhood. Communities with young families may have more tolerance for noise than a street of empty-nesters. Be mindful of when you’re doing certain noisy activities like mowing the lawn. Try to wait until at least 10 am. Avoid loud conversations outside late into the night if your driveway or porch faces a neighbor’s bedroom window.

Maintain your yard

We all know how important curb appeal is when it comes to the value of your home. When your yard looks nice, it elevates the whole neighborhood. Mow your lawn regularly, remove mold from the exterior with a power washer, or hire an asphalt paving company to repair or redo your driveway or sidewalk. Once that is done, some asphalt sealing is all that’s needed to ensure the job lasts and withstands. Next up in working on the yard, keep trees and shrubs neat and don’t let them grow into your neighbors’ yards. Remove toys and other objects from the front yard every day. If your sprinklers are not working, contact a sprinkler system repair company at once to ensure that your lawn gets watered properly.

Be nice online

If you’re not already on Nextdoor, then you should know it’s a great way to connect with your neighbors and learn about things going on in your community. But be aware that it’s not anonymous — don’t say anything online that you wouldn’t say to someone in face-to-face conversation. Keep it polite, limit complaints, and keep in mind how difficult it can be to convey tone with text.

Avoid gossip

There always seems to be a neighborhood gossip — don’t let it be you. It can be easy to get caught up in community gossip, but it can definitely sour your relationships with your neighbors. If someone is trying to put you in the middle of a conflict, then politely suggest they talk with the person directly.

Be a good pet parent

If you have a pet, then they’re going to be part of the neighborhood, too. Make sure your pet stays in your yard, and be mindful of a dog that won’t stop barking. It can become a real nuisance to your neighbors. When you take your dog out for a walk, always bring baggies so you can clean up their messes. Don’t leave it in a neighbor’s yard for them to clean up.

Help out

Lending a hand when a neighbor needs it is a great way to build trust and community. If you have an elderly neighbor, considering clearing snow from their sidewalk after a storm. If a neighbor is going out of town, offer to pick up their newspaper or water their plants while they’re away.

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