Home Renovation. Friday , September 14th , 2018 - 03:35:19 AM
Loans and Lines of Credit - These are popular options that offer interest rates substantially lower than those charged for credit cards, but often higher than those of home equity loans. One disadvantage of personal loans is that once they are repaid you need to reapply to obtain more funding. Lines of credit are ongoing, up to the credit limit, so there is no need to reapply if you need more funds. (A line of credit with room on it above and beyond the cost or the renovation will come in handy on a plumbing job gone bad - see above.)
So how does the average homeowner know if there are maintenance renovations that require attention? There are a few ways to find out, and sticking your head in the sand is not an option. That would be akin to not going for a regular check-up at the doctor or dentist - if no-one tells you there's a problem, then there is no problem, right? Wrong. The first thing to do is to call upon your gut instinct. You probably have a suspicion if the electrics might be an issue (there's a spark when you plug appliances in, for example), or if there's damp in the basement, or if the attic insulation is insufficient; after all, you're the one who lives there. Take a look around the outside of the house for any signs of worsening damage - are cracks bigger than you remember them? Does the roof look patchy? Do you have an effective water management system - one that drains run-off water away from the house foundations?
The next is to confirm your suspicions. It may be that you don't need to do this if the problem is obvious - for example, if every time it rains you have a bath because the bath fills up from a leak in the ceiling, (a high-high issue in most people's books), a call to a roofer sooner rather than later would be in order. On the other hand, there might be issues which you are unsure of such as visible cracks in the brickwork possibly due to a sinking foundation. This would rate in the medium-high category where the likelihood is unknown but has some supporting evidence (the cracks), and the consequence is financially significant (the house falling down). In a case such as this, or whatever your case might be where you are unsure of the cause of an effect, it's time to consult with others. You may consider talking with family or friends who may have had similar issues, but this tends to leave more doubt as people's natural reaction is to guess and err on the negative side. It is much better to talk to an expert in the field you are concerned with - if it's the roof, talk to a roofer; the brickwork, talk to a stonemason; an electrical issue, an electrician. Go about the process as if you were intending to get have the work done (you may well have to) - get three quotes and therefore three separate opinions, and ask lots of questions. It may turn out that the cracks in the brickwork are merely superficial and become a high-low case, that is, the cracks are definitely there, but will cause no further problems. The low significance cases, regardless of the likelihood, are generally aesthetic and can be resolved at any future time you wish. As for low likelihood cases, they should, in general, not make it to your list.
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