Kim Daneault
KELLER WILLIAMS REALTY / Metropolitan | 603-345-7783 | kim-d@kw.com


Posted by Kim Daneault on 12/10/2017

There are a few common problems that occur often in rain gutters. These problems include leaking, sagging, and overflowing gutters. Some gutters even cause a pool of runoff to form in areas around the outside of the house.


The good news is that gutters are fairly easy to fix. You can complete most of these repairs yourself even if you’re not the savviest DIYer. 


Leaky Gutters


If you have leaking gutters, you should first check the joints between each section of the gutter. Standing water in the gutters can rust the steel or seep right through the seams of aluminum gutters. There are a variety of ways that you can fix this problem including:


Caulking the gutter seams


First, you should adjust the gutters and allow them to dry. Brush the seams of the gutter clean and apply caulking to the seams to seal the leaks.


Patch Holes


You should patch up any holes that can be found in the gutters with roofing cement material. Apply the mixture round the holes generously. It’s best to use the roofing cement on a warm day. If the weather is cooler, you can warm the cement to room temperature for easier spreading.


You can repair larger holes with patches or sheet metal. Apply roofing cement to the patches. Make sure the substance is applied generously over the patch so it is secure. 


Create A Dry Well


Running your spout into a dry well can be very effective if you live in a region where there is a large amount of rainfall. The well should run about 2-4 feet wide ad 3 feet deep. Alternatively, you can use a large drum or barrel (about 55 gallons). Both ends of the container should be punctured with holes and filled with rocks. Creating a downspout like this can help to keep water away from your home’s foundation. You may need to check on local building codes and regulations in order to complete this project.


Overflowing Gutters


If your gutters overflow, they can cause some serious damage to your walls and foundation. This problem can be caused by clogged gutters, sagging gutters, or the downspouts not being large enough to handle the rain runoff. 


To fix these issues, you should first do the obvious and clean the gutters out. Wider downspouts can also be installed to handle more runoff. A dry well can also be very useful in these cases. 


Prevention


One of the most important things that you should do for your gutters is to perform regular maintenance on the gutters. Be sure to inspect the gutters for any issues and clean them regularly. This can help you to prolong the life of your gutters and stay away from any problems that may occur around the house.





Posted by Kim Daneault on 12/5/2017

This Single-Family in Bedford, NH recently sold for $377,000. This Split Entry style home was sold by Kim Daneault - KELLER WILLIAMS REALTY / Metropolitan.


10 Edinburgh Drive, Bedford, NH 03110

Single-Family

$399,000
Price
$377,000
Sale Price

3
Bedrooms
12
Rooms
3
Baths
Well maintained and updated this welcoming home is not your grandmother's split level! This 3 bedroom and 3 bathroom home has beauty inside and out, and an enormous amount of living space. The irrigated lawn offers lush green grass and the well maintained flowerbeds provide colorful curb appeal. In 2006 the home underwent renovations and the kitchen was updated with granite counter tops, soft closing drawers, and ceramic tile flooring. The bathrooms were refreshed with tile from floor to ceiling, new cabinets and granite counter tops. The home's systems were updated as well with a new furnace and gas fireplace; and the roof was replaced in 2012. Other features include crown molding, newer vinyl double pane windows, and a tiered deck which can be accessed from the heated sun room. The upper level living room has elegant built-ins, plenty of natural light, and pocket doors for privacy. All 3 bedrooms have ample closet space, and the master bedroom has a 3/4 bathroom with a tiled shower. The lower level has a den/office, private living room with a gas fireplace, and a large entertaining area complete with a wet bar. Also, you can unload your groceries without fearing the rain or snow from the attached 2-car garage. All of these wonderful features are a short trip from 101, 93 and 293. Schedule your showing today!!






Categories: Sold Homes  


Posted by Kim Daneault on 12/3/2017

What do buying a house, opening a credit card, and getting approved for an auto loan have in common? They all depend on your credit score.

Building credit is a multifaceted undertaking. In a way, this is a good thing--you wouldn’t want lenders to base their opinions solely on one aspect of your financial history. The downside is that understanding just what makes up your credit score can be difficult.

To complicate matters further, there isn’t one standard method for scoring your credit, and different credit bureaus each use their own criteria.

In this article, we’re going to talk about some of the factors the major credit bureaus use to calculate your credit, and give you some ways you can boost your credit.

But first, let’s talk about some of the implications of having a good credit score.

Why credit matters

Typical credit scores range anywhere from 250 to 850. The three main reporting agencies (Equifax, TransUnion, and Experian). Most lenders use a combination of those scores that is reported by FICO.

Most credit reports will rank your category from “bad” to “excellent.” Here’s an example of what a credit ranking might look like:

  • Excellent: 750+

  • Good: 700 - 749

  • Fair: 650 - 659

  • Poor: 550 - 649

  • Bad: -550

U.S. legislation makes it possible for Americans to receive a free report of their credit score and to challenge and correct the score if it contains inaccuracies.

If you’re thinking about buying a house, opening a new line of credit, or taking out a loan of some kind, then the provider will likely run your credit score. Those providers are going to want to see a return on their investment, so they’ll charge interest.

If you have a high credit score, it tells the lenders that you are a low-risk investment, and therefore they can offer you a lower interest rate, saving you money in the long run.

Components of a credit score

There are five main factors that credit bureaus take into consideration when formulating your credit score. Not all of the factors are treated equally. Your ability to pay your bills on time, for example, is considered to be more important than the types of bills you have. Here’s a breakdown of the five components that make up a credit score:

  • 35% - Bill and loan payments

  • 30% - Current total amount of debt

  • 15% - Amount of time you’ve had credit (since you took out your first loan or opened your first credit card)

  • 10% - Types of credit (cards, loans, etc.)

  • 10 % - New credit inquiries

Quick tips for building credit

It takes time to build credit and improve your score. So, if you’re hoping to buy a home within the next few years, now is the time to start working on your credit. Here are some best practices for building credit:

  • Set up autopay for your bills to avoid late payments. Even if the service doesn’t offer autopay, you can likely set up recurring payments through your bank.

  • Settle outstanding debt. Avoiding debt that you can’t pay off will only hurt you more in the long run. Call your creditor and see if they offer debt relief programs. More likely than not they’d rather work with you to ensure they receive some repayment rather than none at all.

  • Start budgeting the right way. New budgeting software like Mint and “You Need a Budget” are easy to use and link up with your accounts. They’ll help you monitor your spending and start paying off debt.

  • Don’t open new lines of credit close to when you want to take out a loan. New credit inquiries can briefly lower your credit, especially if you make more than one. Viewing your free credit reports doesn’t count as an inquiry, so feel free to do that as often as needed to check your progress.

  • Get credit for bills you’re already paying. You can report your monthly rent payments, switch bills into your name that you contribute to, or take out a credit builder loan. All three will help you build rent without changing your spending habits.





Posted by Kim Daneault on 11/30/2017

This Single-Family in Manchester, NH recently sold for $242,500. This Colonial style home was sold by Kim Daneault - KELLER WILLIAMS REALTY / Metropolitan.


86 Lockwood Avenue, Manchester, NH 03102

Single-Family

$244,900
Price
$242,500
Sale Price

3
Bedrooms
7
Rooms
1/1
Full/Half Baths
Welcome Home! This charming 3 Bedroom Garrison Colonial, situated on a shaded lot in the Riverview Heights community of Pinardville in Manchester, will make the perfect sanctuary to unwind at day's end. A newly renovated and welcoming Kitchen greets you upon entrance from the closed porch and is sure to be the gathering room during holiday get-togethers. Built-in booth seating in the dining area and a built-in full-wall bookcase and desk in the Living Room show creative uses of space in the downstairs to maximize the versatility of the home. Upstairs is a Master Suite, complete with walk -in closet. You will marvel at the newly designed Master Bathroom with soaking tub, stone floored shower stall, and a unique twist on the his and her vanity! Two other bedroom reside on the second floor for family or out of town guests. In the basement, you will find a well organized and thoughtful design to the utilities and built in storage shelving for added space and easy organization. As a bonus, the lawn is freshly seeded and has recently had the installation of an irrigation system, so please don't walk on the new grass! Your new home awaits you, call us to schedule your showing now.






Categories: Sold Homes  


Posted by Kim Daneault on 11/26/2017

Home insurance is something that every homeowner needs, but not necessarily something that everyone understands. It’s a great idea to have homeowner’s insurance because it protects your home and all of your possessions. Yet, this insurance is in fact a requirement. Mortgage companies require borrowers to have this protection when they buy a home. You’ll need protection for the amount of what is deemed the “fair value” of your home. This fair value is usually based on the price of purchase. Some renters are even required to have insurance for their property. As stated above, this type of protection is a smart idea. 


What A Home Insurance Policy Covers


The terms of home insurance can be very confusing. Most policies will cover damage to the outside of your home. This will include vandalism, fire, lightning, hurricanes, or down trees that may hit the home. The insurance company will estimate the amount of damage and provide you with funds so that the damage can be repaired. In extreme cases, your home may need to be completely rebuilt. Home insurance does not typically cover floods, earthquakes and home maintenance issues. You may need separate policies or extended policies to get these items covered based on where you live. The interior of your home is covered by home insurance as well. This includes clothing, appliances, furniture and electronics if they are destroyed by something that affects your home. 


Off-Premises Coverage


Some home insurance policies have coverage that includes items that belong to you, no matter where you are when something happens. If you lose jewelry on a trip to Europe, for example, you can get a homeowner’s policy that will cover that. This type of coverage does have strict limits, however, so don’t expect your insurance company to give you 100% of the value of your gold necklace that you lost in Paris! This type of coverage is great for items like engagement rings. 


Liability


Your homeowner’s insurance also includes a liability clause. This includes injuries that occur on your property that have been caused by you or your family. This will even include any problems caused by pets in the home. Beware that insurance companies can limit this type of coverage based on the type of dog breed that you own. Insurance companies may even decline to cover you based on the type of dog you own. If a dog bite does occur on your property and you have a breed that works within the insurance company’s limits, you’ll be covered. If anyone is hurt on your property and files a lawsuit, you’re protected.     

 

Rates


Your insurance rates will be determined by many factors including the neighborhood, crime rates and the climate of the area. Before you choose a place to live, you may want to investigate the insurance costs before you settle on a place to buy.







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