Connect with us

Home

Property Problems: Can You Live In an Investment Property?

Published

on

According to some research, 7.4 million homes in the United States are classified as second homes.

If you are interested in classifying your investment property as your primary or second home, you’re not alone.

There are many people who find a way to make investment properties a residence, so keep reading to find out how!

Make It a Primary Residence

If you’re buying a home that has multiple units, then it’s your right as the owner to live in any of those units.

This is a great way to reduce the cash outlay each month, and the rent from the other units will help to offset some of the costs as well. Living and owning in your rental building is allowed by a mortgage lender.

According to the lending guidelines, when you live there, you classify the whole property as your primary residence. This gives you access to a lower mortgage rate so you can boost your rental profits.

If you live in a building that has multiple units, then you’ll have access to FHA, VA, and other mortgage loans as well.

Classify It As a Second Home

If you don’t buy something that has multiple units, then you should consider making your property a second home. You’ll have to live in it for part of the year.

You’ll also need to buy something that is within fifty miles from your current residence in order to qualify.

Some people use a second home as a vacation home or a residence for work. For it to be a second home, it also can’t qualify for a timeshare. You’ll also have to live in it at least fourteen days a year.

Declare the Change

If you already bought an investment property and now you want to make it a residence, you’ll have to get started on declaring the change.

This means that you’re no longer allowed to rent it out, but you will live in it. This means that it’s not tax-deductible anymore since it isn’t an investment property.

Some people want to buy a second home and claim it’s a second home yet still rent it out. However, this is known as fraud, and the FBI could investigate you if you find out. If you’re guilty, you’d have to pay large fines.

Contact your lender to see about switching your investment property mortgage into a residential one.

Learn More About If You Can Live in an Investment Property

These are only a few things to know about living in an investment property, but there are many more steps you need to know.

When in doubt, consult with a realtor or a financial advisor for more steps on how to legally live in your investment property.

We know that dealing with the housing market and investing can be stressful, but we’re here to help you out. If you’re interested, explore our website to find even more articles!

Continue Reading
Click to comment
Subscribe
Notify of
0 Comments
Inline Feedbacks
View all comments

Home

A Quick Introduction to Football Betting

Published

on

Ready to start a new side-hustle and make some extra money? With a little bit of betting knowledge, you can turn your love of football into cash. And even if you’re not a die-hard football fan, football betting is a way of making money fast.

There are a lot of ways to bet on football but this article will walk through football betting basics and the information you need to get started.

Types of Bets

There are several ways to bet on football, starting with the winner of the game. For each game, there is a favorite and an underdog. The favorite is the team that is expected to win. You will see a minus sign (-) next to the odds of that team winning the game and a plus sign (+) for the underdog team.

Betting on the underdog is riskier but could lead to a bigger profit. You can also win money by betting on the favorite.

Another way to bet is the total points that will be scored in a game. This is often called the over/under of a game. The over/under score is determined by the sportsbook. If you think both teams’ total points will be more than the amount set by the sportsbook, you bet the over. If not, you bet the under.

Point Spread

Part of betting for beginners is understanding the point spread. Let’s say the Packers are playing the Falcons and the Packers are expected to win (they are the favorite). You would see the point spread as a number with a plus or minus sign.

For example, the Packers are -7 they are expected to win by 7 or more points. If you bet on them and they win, but only by 3 points, they did not “cover the spread”, so your bet would lose. But if they win by more than 7 points you win your bet.

The point spread or “line” is subject to change but whatever the spread was when you placed your bet is used to determine if you won or lost.

Football Betting Tips

The best betting advice is to have a budget. Don’t risk losing money that you can’t afford to lose. Next, do your research. Watch football betting shows, listen to podcasts, and see what the experts recommend. You can also try buying sports picks to save time and get football bets sent directly to you.

Watching the games and understanding how different factors like where the game is or injured players affect the game will help you be a more informed gambler.

Get Started Today

Football betting could help you make some extra money this year. There are many ways to bet on games including the winner of the game or the total points scored. The point spread is the number of points a team is expected to win or lose by which is indicated by a minus or plus sign.

Being a responsible gambler means setting a budget and researching your bets before placing them. The more you know about football betting, the more likely you will make winning bets.

Searching for other articles like this one? Browse our site for business, travel, tech, real estate content, and more!

Continue Reading

Home

General Dentist vs Pediatric Dentist: What’s the Difference?

Published

on

Do you remember your first trip to a dentist’s office? Maybe you remember meeting your dentist as you reclined on the chair, a bright light over your head as they scraped your teeth. If you were like most children, you were probably a little nervous.

Not many people enjoy going to the dentist. However, the process is especially intimidating for children. A dental office is full of unfamiliar sights and sounds, not to mention faces.

So, when it’s time for your child’s first dentist appointment, it helps to know the difference between general dentist vs. pediatric dentist services. These are the two primary types of dentists a child is likely to see.

How do you choose between them? If that’s what you’re wondering, you’re in luck! We’ll explore all you need to know about these types of dentists in the guide below.

What Is a General Dentist?

General dentists, or family dentists, tend to treat adults more than children. Their training pertains more to permanent teeth and the problems they face.

As such, general dentists diagnose, treat, and prevent issues that affect adult teeth. These can include overall health needs as well.

However, this isn’t to say that general dentists cannot treat children. They may be able to assist your child with any dental problems they have. Moreover, they can recommend a pediatric dentist if you don’t have one already.

But, general dentists have not received the additional training that pediatric dentists receive for treating children’s oral health. So, while they could provide essential teeth cleaning, they aren’t the best choice for general children’s oral care.

Below are some of the treatments general dentists provide:

  • Teeth cleaning
  • Root canal
  • Fillings
  • Sealants
  • Crowns and/or bridges
  • Gum disease care
  • Dental implants
  • Disease prevention
  • X-ray interpretation

As you can see, some of these services may help a child. In general, though, their emphasis lies more with adult care.

What Is a Pediatric Dentist?

A pediatric dentist has specific training to work on a child’s developing teeth and jaw. However, they also have training in children’s behavior, physical growth, and development. As such, they know how best to handle children and calm their fears.

Pediatric dentists have these skills thanks to specialized training after receiving their DMD or DDS. During this time, they undergo a post-graduate residency program for 2-3 years.

As you’d expect, these dentists have specialized knowledge on issues affecting children’s teeth. For example, they can treat problems like tooth decay or tooth placement, crowding, crooked teeth, etc.

Other common pediatric dental treatments include:

  • Teeth cleaning
  • Sealants
  • Fluoride
  • X-ray interpretation
  • Cavity fillings
  • Tooth removal
  • Fixing broken teeth
  • Addressing teeth spacing issues
  • Educating children on good oral health habits

As you can see, their specialties differ from a general dentist. They have the expertise to assist children through the critical transition from baby teeth to adult teeth.

Pediatric Dental Equipment

If you’ve ever been to the dentist, you know that sometimes dental tools cause discomfort or pain. You may wonder, “If I hate these so much, how can my child deal with them?”

Indeed, most children struggle to sit still during general dentist appointments. The reason for this is that the equipment is too big for children’s mouths, which makes them uncomfortable.

Fortunately, pediatric dentists have kid-friendly versions of most dental tools. While these don’t guarantee your child has a painless or comfortable experience, they certainly help.

Pediatric dentists have tools for children of all sizes, ranging from infancy to adolescence. As such, you won’t have to worry about the dentist using ill-fitted equipment.

Moreover, these dentists aren’t stingy with their tools. They often show parents how to use tongue cleaners or finger brushes to care for their infants’ teeth.

Pediatric Dental Office Layout

Usually, walking into a general dentist’s office feels like walking into a medical facility. They have muted colors and glossy, sterilized floors. These features can intimidate children, especially on their first visits.

However, most pediatric dentists dedicate their practice to children. As a result, their offices have starkly contrasting layouts.

Instead of the muted, professional colors of a standard dental office, these spaces often use bright colors and wall murals to make children feel at home. Some offices may even include game consoles or toys for kids to play with during waiting periods.

How to Choose a Pediatric Dentist

As you can see, a pediatric dentist is a much better choice for your child’s oral health than a standard general dentist. However, that’s not always enough information. What do you do if you must choose between multiple pediatric dental offices?

If you want to know how to choose a pediatric dentist, keep these tips in mind. First, get feedback from people who have used this dental service in the past.

These can be other parents you know or reviewers online. Ask if the dentists were efficient, the facility was clean, and how well they interacted with children.

If the offices seem well-liked by patients, see if they accept your insurance. Dental services can be pricy, so find offices whose rates fit your budget.

Next, consider if your child would like the place. After all, you know your kids better than any other adult. When you look at pictures of the office online, does it seem like a space your child would enjoy?

Finally, it could help to call the dental office and ask about your child’s needs. Do they provide the treatments she currently needs?

If so, then excellent! You may have found the best pediatric dentist for your child.

Choosing General Dentist vs Pediatric Dentist

If you were struggling between a general dentist vs pediatric dentist, we hope you’ve found an answer! Pediatric dentists offer more specialized care for children’s health. If you haven’t found a dentist yet, start your search today!

We hope you enjoyed this article! If so, check out our other content today.

Continue Reading

Home

How to Hire a Car-Accident Lawyer

Published

on

Cars accidents are, unfortunately, a common occurrence in the United States. Statistics show that each year there is an average of 6 million car accidents which will result in 3 million injuries (two-thirds of which are serious and result in permanent injuries). If you have been injured in a car accident that was not your fault, you are entitled to justice and compensation.

Key to ensuring that you are compensated for your medical bills, lost wages, and pain and suffering following a car accident to hiring a professional car-accident lawyer. In this blog post, we will highlight the steps you should take to hire car accident lawyers that you can trust.

Schedule Free Consultations

Most car accident lawyers offer free consultations where you can discuss your accident, injuries, and claim. This is an opportunity to find a lawyer that you are comfortable with and can trust.

Claims can take several months to process so you should always choose a lawyer that is communicative, friendly, and available when you need them. It is also recommended that you research their experience and qualifications, to ensure that they are a right fit for your particular case.

Discuss Their Fees

Different lawyers will have different fee structures so it is important to understand this from the start. Some lawyers are ‘no-win, no-fee’, meaning that they will only receive a payment if you win your case. In that instance, you should understand how much they will receive should your case be successful.

Other lawyers may charge a particular rate for the work they do on your case. Again, you should understand this fully before agreeing to hire a lawyer to represent you.

Bring All of Your Accident Information

The more information that you have, the better chance you have of being successful in your claim. When you make your initial visit to a lawyer, bring along the following information:

  • Car insurance policy
  • Medical insurance policy
  • Medical bills
  • Photos of the accident scene and your car
  • A copy of the police report
  • Contact information for witnesses
  • A journal documenting your pain and suffering in the aftermath of the accident

This information will help your lawyer to build the strongest possible case. Click here to learn more about making a car accident claim.

Hire a Car-Accident Lawyer That You Can Trust

If you have been injured in a car accident, you may be left with lasting pain and suffering as well as financial strain. A car-accident lawyer can help you to obtain the justice and compensation that you deserve. The above information will help you to make an informed decision and hire a car accident attorney that will help you in your claim.

Like this blog post on how to hire a car accident attorney that you can trust? Be sure to check out our other informative articles on a wide range of interesting topics.

Continue Reading

Title

10 tips for wholesale kids boutique clothing 10 tips for wholesale kids boutique clothing
Life Style2 hours ago

10 tips for wholesale kids boutique clothing

Children follow the process of development more rapidly than adult, therefore the need to change the article in the children...

Health2 hours ago

Practicing self-care

We are encouraged to be kinder to people, to help them in moments of distress, to give them the benefit...

CBD Gummy Bears CBD Gummy Bears
CBD3 hours ago

CBD Gummy Bears: How Long Do They Take To Start Working?

The CBD gummy bear is a popular and effective way to help with pain, anxiety, and sleep disorders. The thing...

Why Delta 8 Vape Carts Are Better for Anxiety and How You Can Use Them to Reduce Your Stress Why Delta 8 Vape Carts Are Better for Anxiety and How You Can Use Them to Reduce Your Stress
CBD3 hours ago

Why Delta 8 Vape Carts Are Better for Anxiety and How You Can Use Them to Reduce Your Stress

Delta 8 vape carts are among the newest and most popular devices on the market. They’re perfect for anxiety sufferers...

The Benefits of Delta-8 Gummies Legalization on Humans and Their Pets The Benefits of Delta-8 Gummies Legalization on Humans and Their Pets
CBD3 hours ago

The Benefits of Delta-8 Gummies Legalization on Humans and Their Pets

The benefits of delta-8 legalization on humans and their pets have been well documented. Delta 9 THC levels in marijuana...

What’s Up With Real Estate Prices in Mississauga What’s Up With Real Estate Prices in Mississauga
Real Estate8 hours ago

What’s Up With Real Estate Prices in Mississauga?

While home prices in Mississauga were already trending upwards for years, the COVID-19 pandemic accelerated the growth rate to record...

Where Can You Make the Most of Digital Display Systems Where Can You Make the Most of Digital Display Systems
Tech8 hours ago

Where Can You Make the Most of Digital Display Systems?

As digital signage and billboards have become easier and more affordable to use, more businesses and organizations are beginning to...

Electric Violin Basics You Should Know Electric Violin Basics You Should Know
Tech11 hours ago

Electric Violin Basics You Should Know

Learning the basics of your electric violin is one way to improve your skills and knowledge in playing the instrument. You...

7 Common Causes For Cracks in Tiles 7 Common Causes For Cracks in Tiles
Home Improvement2 days ago

7 Common Causes For Cracks in Tiles

No one really likes cracked tiles. It is definitely not a pleasant sight to see a tile floor repeatedly getting...

7 Things To Ask Your Lawyer Before Selling Your House During Divorce 7 Things To Ask Your Lawyer Before Selling Your House During Divorce
Law2 days ago

7 Things To Ask Your Lawyer Before Selling Your House During Divorce

Most divorces end up including the sale of jointly owned properties from the union, and, sometimes, these properties include the...

Categories

Title

Trending

0
Would love your thoughts, please comment.x
()
x