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Bottom line - if you are willing to put in a little effort, the opportunity for savings is huge. Be your own builder and save thousands!
Now let us talk control. When you are the owner/builder, you take control of many things that were previously out of your hands.
You have the ability to make subtle changes and improvements to your home, while the project is going on, without paying significant change-order fees. You are also in charge of who is on the job. You select sub-contractors who meet your criteria. And, you select your material and suppliers.
Finally, you have the option of doing some of the work yourself, without asking permission from a builder. It sounds funny, but if you work with a custom builder, and you want to do some of the work yourself, you have to work that out early on, and be pretty specific about it. And the money you save by doing it is an "allowance " against the final cost. When you are the owner/builder, you do not have to ask permission. Of course, your work still has to meet code and covenant requirements; so do not bite off more than you can chew. You must use a licensed electrician, plumber & hvac contractor.
What to do with the savings
Of course, that is entirely up to you. But let's consider again the $400,000 dollar home. If you do not have to pay a builder's profit, construction management fees, markups, etc., that is at least $60,000 that could go into your pocket, or more realistically, that's $60,000 that just won't be on your 30-year mortgage at 4% interest. Now it really gets interesting doesn't it?
Of course, the same reasoning applies to all those other savings!
On the other hand, if you really want to spend all of the $400,00 on your home. But just imagine what $60,000 worth of upgrades would look like in your home.
What Title Insurance Protects Against
Here are just a few of the most common hidden risks that can cause a loss of title or create an encumbrance on title:
- False impersonation of the true owner of the property
- Forged deeds, releases or wills
- Undisclosed or missing heirs
- Instruments executed under invalid or expired power of attorney
- Mistakes in recording legal documents
- Misinterpretations of wills
- Deeds by persons of unsound mind
- Deeds by minors
- Deeds by persons supposedly single, but in fact married
- Liens for unpaid estates, inheritance, income or gift taxes
- Fraud
Planning a small bedroom can be fun (honestly).
With the right design tips and techniques, you can turn your snug room into a dreamy retreat. From clever storage solutions to multitasking furniture, these great ideas will breathe new life into you compact scheme.
- Stick to a limited color palette. If all white isn't for you, bring in your favorite colors, but in a thoughtful way. The brights are limited to reds and oranges - which work beautifully with the brick wall and wooden furniture - and are teamed with plenty of white for an airy feel.
- Let the light in. Keep window treatments to a minimum in a small space to make the most of the natural light and keep the look unfussy. For privacy add plain roller blinds or hang flat panels of lace or voile.
- Maximize your storage space. A floor-to-ceiling fitted unit makes the most of every inch in this bedroom. It cleverly incorporates room to display treasures, shelves for books, drawers for more personal items, surfaces that act as bedside tables and reading lights. Talk about multitasking!
- Don't be afraid to use windows. There's no rule that says you can't push furniture up to a window. This bed is tucked neatly at the end of this small loft, rather than blocking the center of the room. Vertical blinds have been made to measure for privacy and to block daylight, and the window offers great reading light in the mornings.
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