Atlanta Homes Guru Blog

Whether you’re self-employed or applying for an FHA or USDA loan, here’s the pre-approval paperwork you need.

If you're serious about buying a home, getting pre-approved for a mortgage is a critical step. It’s also a tedious one. Lenders seem to want a mountain of documents and have so many {{ start_tip 124 }}requirements.{{ end_tip }}

Yet the payoff is worth it. Most agents recommend mortgage pre-approval because it strengthens your offer. Sellers like to know the buyer already has financing secured.

Plus, you're going to need that same hefty stack of paperwork for your official mortgage application once you've got a contract on a home, so you're really knocking out two tasks at once.

To help, we've created a documents checklist for each

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When kids at Warner Arts Magnet Elementary School act up, they aren't sent straight to the principal's office. Instead, many students at the high-poverty school in Nashville, Tenn., go to the "BeWell" room.

The serene space is awash in sunlight and brimming with plants. There are yoga mats, toys, a lounging nook and soothing music drifting out of a desk speaker. In this room, teacher Riki Rattner, who is also trained as a yoga instructor, helps students practice deep breathing and check in with their emotions.

"Let's get you checked in and calming down. Taking care of you," she tells a fourth grader who walks in after a tiff in art class.

One in 5 American children struggles with anxiety, according to the National Institute of Mental Health,

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A regular gripe of parents is the fact their children grow out of their clothes far too quickly.

But Ryan Mario Yasin, the 26-year-old CEO and founder of Petit Pli, may have come up with the solution.

Yasin’s company makes clothes that actually grow with the child through seven sizes, fitting kids between nine months and four years.

He first patented the technology when he was 23 and a masters student on a global innovation design course at Imperial College London.

“Petit Pli was brought to life to serve a need in the fashion industry,” Yasin says. “A need for innovation, a need for sustainability, a need for high ethical standards, and to serve its young users, they deserve something designed from the ground up for them, not miniaturized

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Over the last few decades the share of older homeowners (age 62 and older) with mortgage debt has doubled, while the typical amount of outstanding debt relative to home values among this group has tripled.

 

Older homeowners still paying off mortgage debt face high rates of housing cost burdens (paying more than 30 percent of income for housing), leaving less income for other necessities. In addition, homeowners with higher mortgage debt have less housing equity to tap for critical needs and face the ongoing risk of foreclosure.

For these reasons, higher levels of mortgage debt may be expected to create lower levels of financial well-being among these individuals. Using both descriptive and multivariate approaches, this paper explores two issues

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In my profession, I’ve seen many people fail in their renovations simply because they ran out of time and money. It’s heartbreaking — and so easy to avoid. Most people don’t realize that the majority of their success relies on their ability to plan well at the start. Here are my top tips for keeping your budget on track throughout your renovation.

 

Break It Down

Whether you’re renovating for profit or pleasure, it’s very easy to underestimate the costs involved. If your budget blows out, you’re not going to be able to afford those finishing touches that can be so important to the end product.

During the planning phase, break down your budget in detail — this way you’ll be less likely to exceed it during construction. It will also allow you to be

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Whiten Piano KeysMONGKOL FOTO/SHUTTERSTOCK

Whiten Piano Keys

Piano keys can get discolored over time and through use. Get them to sing a different tune by cleaning them with toothpaste.

 

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FAMILY HANDYMAN

Garden Sprayer Cleans Hard-to-Reach Spots

A garden sprayer can be a mini power washer for cleaning windowsills and other hard-to-reach spots. Before you fill the tank with water, be sure to rinse it repeatedly to flush out any chemical residue.

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Clear Up Coffee Rings

Your guests should’ve used a coaster but now you have a coffee stain on your table. A little dab of toothpaste can get that stain out, just like coffee stains on your teeth.

See how to remove stains in wood

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Downsizing is a big step for a lot of seniors and, for many, it can be a hard change to make. To help make the transition easier, I asked real estate agents to share their best tips for how to handle this process. Read on below to see what they had to say.

Take an inventory of your current space

“My top tip for clients looking to downsize is not only take inventory of your home and the items you want to keep, but to also take an inventory of the space you actually use.

For example, if you have a formal dining area but never use it, or perhaps have multiple spare bedrooms that don't see guests, then you can remove these items from your search in your next home—even if it means letting go of a special piece of furniture.”

Danielle M.

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Security researchers discovered a vulnerability in the Philips Hue smart bulbs that may allow hackers to infiltrate a home’s network.

Cybersecurity firm Check Point revealed the exploit through a blog post, where it detailed the method of attack that hackers may use to take advantage of the bug.

The first step in the hack, which is made possible by a remote exploit in the ZigBee low-power wireless protocol that is used on many smart home devices, is for the hacker to take control of one Philips Hue smart bulbs. By adjusting the bulb’s color and brightness, the victim will be tricked into thinking that it is glitching out.

The smart bulb will appear as “unreachable” in the Philips Hue control app, so the victim will likely try to reset it by

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Whether you're moving to a new neighborhood or curious about how safe your current area is, there are some great online tools available to help you research your neighborhood's safety level.

But remember, being safe includes more than just awareness. These tools can also help you take action by alerting you to new safety issues and allowing you to quickly share concerns with your neighbors. From safety overviews to monitoring to simply being a good neighbor, these online safety tools have got you covered.

Our Top 5 Online Neighborhood Safety Tools

(according to the safety team of www.safety.com)

1. CrimeReports

This map-based site shows you up-to-date data on crimes that have recently occurred in your area. It’s as simple

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Thinking of moving soon? Whether you’re sick of your job or sick of your neighbors, there are plenty of reasons why it could be time for a change. Here are 11 common signs that it’s high time to move.

#1 Things are getting tight

Look around. Are things getting a bit tight in your household? If so, it may be time to move. One of the most obvious tell-tale signs that it’s time to move is when you no longer have room for anything. Maybe you had a baby. Maybe an aging parent is moving in with you. Maybe you need an extra guest room. Or maybe you just can’t turn around without tripping over all your stuff. Whatever the reason – when space is tight, you know it’s time to move to a bigger place.

#2 You’re ready for an upgrade

If you’re ready to

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