Tools Every Homeowner Needs

Owning a home begins when you sign the papers at closing – and never ends. There is always work to do and projects to tackle. This sort of personalization is what makes home ownership so much fun! You get to make your home your own.  You just need the right tools to do it.

So whether you consider yourself a regular handyman or you know just enough to be dangerous, here are some tools that every homeowner needs to have in their toolbox.

-        Ladder: For those hard to reach places, light bulb changes and paint jobs

-        Drill and Drill Bits: A must have for most home improvement projects

-        Tape Measure: Know how big the room is before you buy that new sofa

-        Level: Hang pictures just right!

-        Screwdrivers: For all types of DIY furniture projects or new purchases

-        Stud Finder: Hanging a heavy piece of art? This is a must have.

-        Extension Cord: Don’t get caught trying to work without one.

-        Utility Knife: Open and breakdown boxes.

-        Misc Hardware: Get yourself an assortment of nails and screws.

Of course there are other tools you’ll want to add over the years but this should get you started.

Did we miss anything? What would you include in your homeowner tool box?

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2018 Home & Garden Show

Come and visit us at this year's Carolina Classic Home and Garden Show March 9th - 11th at the State Fairgrounds. We will be in booth 528 in the Cantey building. For more details go to http://www.biaofcentralsc.com/calendar-and-events/home-and-garden-show.html .

Designing and Building Custom Homes in Columbia and Lexington, SC

Since 1999, Paradime Construction has been helping homeowners fulfill their dream of homeownership.  Stan O'Brien, President, takes great pride in providing personal attention to all Paradime customers.  His success is evident by the number of satisfied customers and repeat business that Paradime can claim.
O'Brien's level of education and experience combine to give him the expertise to build custom homes that are both functional and stylish.  Crafting the homes with Universal Design allows for home owners to "Aging in Place", so that your home can grow with you. Also, incorporating High Performance Home techniques making the home environmentally friendly, comfortable, healthy, and affordable.
Building a custom home should be a fun process. Choose an experienced builder to guide you through this process. Choose Paradime Construction for your new custom home.

http://paradimeconstruction.com

Green Building and Universal Design

Paradime Construction incorporates green building techniques into their construction process creating energy efficient homes in Columbia and Lexington, South Carolina. Paradime Construction is a CHiP (Certified High Performance) home builder of the Green Building Council of Greater Columbia.

Paradime Construction incorporates Universal Design in their building process as well. The Certified Universal Living Home is a new certification offered by the Building Industry Association of Central SC. Homes that qualify under this certification are inspected by a third party to ensure they meet certain standards for homeowners with limited mobility.

http://paradimeconstruction.com

Resources for the Home Shopper

There are so many online tools and resources for today’s home shopper, there is no reason to be surprised or unprepared during your search.  The more information you have the better you are able to make a good decision for your family and negotiate your position when necessary.   Here are some of our recommendations on home buyer resources.

Mortgage Calculator

Home Affordability Calculator

Check Your Credit Score

School Ratings 

Compare Home Insurers

National Association of Home Builders

Understanding Homeowners Insurance

Purchasing homeowners insurance is a necessary part of buying a new home.  While it may seem tedious, this insurance protects your largest financial investment – your new home.

Insurance costs vary on the location of the home, age of the home, type of coverage needed and deductibles.

Go online to read about potential insurers and their customer service ratings. Typically insurance is purchased and then forgotten about so it’s helpful to see what customers with claims think about how their issues were handled.

It may help you save money to have your auto and homeowners insurance covered by the same company.

Your possessions such as clothing, electronics, and furniture are covered but if you have a special item that may exceed the included coverage make sure to mention that as a concern. It may require an addition to the standard policy.

A higher deductible will result in lower premiums. Go as high as you can since typically claims are filed only every 8-10 years.  Make sure you have the savings to cover that deductible should the worst happen.

Be sure to ask what the policy covers and what it doesn’t cover. Get all estimates in writing so you can price shop other companies while comparing apples to apples in coverage.

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Tax Information for Homeowners

One of the many benefits of owning a home is the extra savings at tax time.  Yes owning a home is a great benefit when it comes to filing your taxes each year.  Whether you do your taxes on your own or use the services of a professional, make sure you take advantage of these tax savings opportunities.

Main tax benefits include being able to deduct interest payments and property tax payments.  Homeowners may also exclude, to a limit, capital gains made on the sale of a home that previous year.  Points paid toward your mortgage to get a better overall interest rate may also be deductible.

Certain environmentally friendly updates made to your home may also be eligible for a tax credit.

As the tax law continually changes and updates it is important to stay on top of what homeowner deductions or credits you may be eligible for.

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