Going to Talk About Getting a Job in the State Capital

I have been working here in the local government for about a decade. I went to work there right after I got out of college thanks to a friend of my Dad. Now I am going to have a chance to interview for a job with the state government in Raleigh North Carolina. I am not sure if I am going to get the job or not, but it would be worth a shot to look and see. Here there is not much else I can do without winning an election probably. I have an immediate boss and another guy above him in our department. It would probably be another decade before either of them moved to the side to make room for me, and of course no one would guarantee that I would automatically move up a spot at that point. Read the rest of this entry »

New Homes: To Build or Not to Build?

Everyone wants to own their own house at some point in their lives. Becoming a homeowner is indicative of success and stability – the quintessential landmark of adulthood. Building equity, reaping tax benefits, and eliminating landlord woes are just a few of the many perks to ownership. It seems like a no-brainer, really.

However, 2008 was the beginning of a rough era for real estate. The House Market Crash of 2008, also known as the United States Housing Bubble, is considered one of the most horrific economic crises in U.S. history. It put a serious damper on the ability to purchase property and caused the nation’s economy to tailspin into a recession. Now, six years later, economists report an improving trend. The nation’s economy is on the upswing and houses are becoming more affordable to purchase than ever. With the housing market dilemma dwindling, that leaves only one question: build or buy?

Pros of Building

Building your own house gives you the ability to make it your own, down to the smallest detail. It can foster a unique sentimental value that cannot be duplicated by buying pre-owned. Additionally, brand new homes are less likely to require repairs or routine maintenance. Since they are usually under a warranty, any repairs or maintenance required will be completely covered. New homes are also often equipped with advanced technology and a more intuitive design, allowing for higher safety standards and higher efficiency which result in lower electric bills.

Cons of Building

Choosing to build your own house is definitely the more expensive route. New homes are typically more expensive per square foot than those previously-owned. Include the cost of purchasing land, construction costs, and Homeowner’s Association fees and the overall expense can put a strain on you financially. Likewise, the Homeowner’s Association tends to implement strict rules you must abide by, from paint to garden demands. You should also consider the intense time commitment building requires, as there will be numerous meetings with developers and contractors from start to finish. Most importantly, the time it takes to build varies. From budget to inclement weather restrictions, the entire process could take a very long time to complete.

Pros of Buying

Buying a previously-owned property is super convenient because you can move in as soon as possible. You can usually negotiate the price since the house might not be exactly what you want, so the overall cost is cheaper. Also, since you are already part of an established community, there is no Homeowner’s Association to worry about. Overall, buying involves taking fewer risks and results in less stress.

Cons of Buying

Unfortunately, previously-owned houses are often old and require routine maintenance and sometimes large renovations. Also, because these houses are older, they are less energy-efficient, resulting in higher electric bills. Electing to reside in a previously-established community also forces you to compromise on important aspects of living, including location and amenities. You can also expect an inventory shortage alongside improvements in the housing market and economy. When more people are buying, there is less to pick from.

The decision to build or buy your own house ultimately lies with you. Determine what’s right for you, and keep the market for new homes in mind when making your decision. Everyone deserves and can acquire their dream house, whether it is new or used.

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Prefabricated Homes: Pros and Cons

If you are in the market for a new home, you might want to look into modular homes. Modular homes are very similar to traditional homes. While a traditional home is built on the site, the construction of a modular home begins in a builder’s factory. Picking the ideal home is not an easy task. Let’s have a look at some of the pros and cons of purchasing a modular home.

Pros:

It is Affordable

Modular homes are generally cheaper than their traditional counterparts. This is due to the fact that the majority of the work takes place within the factory. Since the construction is within a controlled environment, the interruptions are kept to a minimum. A house that is being built on the site may face many challenges brought on by bad weather or delays in acquiring raw materials, and the longer it takes for a home to get built, the more money it costs.

A Snap of a Finger

As a result of your prefabricated home being pre-constructed in a controlled environment, it takes a considerably lesser time to complete. Your house is then hoisted on the back of a truck and transported to your site. Here, the final steps of construction take place. Before you know it, you are relaxing on your patio.

So Many Options

It would be wrong to assume that your prefabricated house has to fall under the generic code of a cemented, four-walled dwelling. Prefabricated houses come in a variety of designs, shapes, and sizes. You have the creative freedom and can unleash your inner architect to construct a house that suits your exact need.

Cons:

Alternative Accommodation

Just like traditional homes, it isn’t possible to start living in your new modular home until it is fully constructed. Even though the construction time is considerably lesser than that of a traditional home, you will still need to find alternative accommodation until your new modular home is complete. However, this is temporary as it takes up to a month for your new home to get completed.

The Land

Before you opt for the modular option, you need to own a piece of land to fit your new home into. If a land dispute arises, you could be faced with a major problem. Builders are usually hesitant to keep your semi-constructed house for an extended period of time in their factory as it would cost them money. You could also end up losing a hefty sum if the land dispute does not get resolved faster.

The Dreaded Down-Payment

Most builders take a major percentage of the fee before your home is completed.

These days, the cost of a newly constructed home has risen tenfold, and you will either have to dig into your savings, or apply for a bank loan, so make sure you are financially secure before making opting to invest.