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Fixed-Income Investments
Home Buying 101
Whether you’re buying your first home or your 21st home, it’s never easy to find exactly the right house. Finding your dream house requires patience and persistence.Let’s be honest. Buying a house is an emotional decision, as well as a rational, financial one. Take my friend Trina, for example. Trina was house hunting one day in the early spring when her broker showed a house with daffodils blooming by the front door. Trina instantly fell in love with the house, despite the fact that it had 2 bathrooms instead of 3, and a den but only 3 bedrooms. It also had a formal dining room, not the great room that Trina really wanted. But, it had daffodils blooming by the front walk. Trina and her husband bought the house, and started expensive renovations. Five years later, they have the house they’ve always dreamed of, but at a price.”Looking back, it would have been a lot cheaper for me to find a house with all the features that we needed, and plant daffodils!” Trina says.It’s important to know exactly what you are looking for, when you buy a house. If Trina had made a list of her wants and needs before she started house hunting, she could have saved herself years of noisy, messy renovations.Before you open the real estate section of a newspaper, or contact a real estate agent, sit down with a pencil and paper and make a list of your wants and needs. If you are buying the house with someone else, have them make their own separate list. Then, compare the two.The first question you need to ask is, “What do I need in a house?” For Trina, the answer was 4 bedrooms and 3 baths in her children’s current school district. With the birth of her third son, the family had simply outgrown their current home.Your list of needs might be totally different. Maybe you need a house on one level, so that you won’t have to climb stairs. Maybe you need a big, sunny kitchen, a spacious family room, or a yard large enough for soccer. Maybe you need an area with no restrictions on having a home-based business.Next, ask yourself “What do I want in a house?” Maybe you’d love a great view, open, sunny rooms, cathedral ceilings, a fireplace, a walk-in closet or solar heating.Finally, ask yourself “What do I hate?” Make a list of the features that you will not accept in your new home. For Trina, Tudor-style architecture is high on that list. “Our old house was Tudor style. It was so dark, and the rooms were so ugly, that I soon hated it!”Now, compare your list with your partner’s. Are there items that both of you want or need? That’s a good start. Are some of your “hates” on your partner’s “wants” list? If so, you’ll need to discuss it and compromise.Finally, create a master list with all the needs, wants and hates for the two of you as a couple. This is your home buying guide.
10 Easy Saddle Fitting Tips
If you want a good fit take a few minutes and answer these basic questions.
1. How much does your horse weigh? If a 1000 lbs or more, look to a Full Quarterhorse Bar (FQHB)/wide saddle.
2. What kind of withers does your horse have? Mutton-withered? Look to a FQHB if your horse is anywhere close to a 1000 lbs. i.e. 900 lbs or more.
3. Consider your horse’s back. Is he wide or narrow? Can’t tell? A wide back will require a FQHB. A narrow back will need a semi-quarterhorse bars.
4. Is your horse short backed? Look for a shorter skirt or round skirt saddle. You don’t want the saddle skirts to rub the horse’s hips.
5. Is your horse gaited? Seriously consider a gaited saddle. Gaited saddles have more rock with wider bars in the front and are smaller in the back to allow for the movement of their shoulders.
6. What is your budget? Be reasonable in your expectations. Leather saddles cost more than cordura saddles. You will find few leather saddles for under $500, so be realistic. Most of the time you will get what you pay for.
7. Consider what you are going to do with this saddle. Yes, the trail saddle looks nice, but you won’t rope off of it for long.
8. What seat size do you need to look for?
9. What saddle pad will work? Most horses do not need special pads, but some horses do. Think about what will work, and do the necessary research.
10. Answer all the questions. All these questions need to be considered to insure a good fit. If you don’t answer all the questions you may find a saddle that fits and you might not.