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With the high costs today it’s a necessity for many families to have two incomes. If you’re in such a situation, you might want to consider the possibility of being a work at home parent. The decision to work from home may come swiftly for you once you see how much it costs you to hold your present job.

 

So you have a $25,000 to $50,000 a year salary; but, after expenses, how much do you have left in spendable income? Sit down and figure out how much it costs you for gasoline, car repairs, added car insurance, work clothes and accessories, child care, fast food dinners, and any other work related expense. Now if you were to work at home and make the same yearly salary, the amount you just added up as expenses in your present job, could be added as spendable income for your family.

 

You could actually improve your family lifestyle with a work at home career. Not only would have additional money to spend on what’s really important, your family; but, also have more time as you wouldn’t have that daily commute. There is a way to become independent and that is to earn money online.

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There are millions of people doing just that each and every day. With the numerous affiliate programs offered, it’s never been easier for new entrepreneurs to take the plunge and start their own home business. With affiliate marketing you can be a part of a multimillion dollar company and advertise their product from the comfort of your own home.

 

There’s tons of information at your finger tips right now, that could enable you to work from home. If you start out small at a minimal cost and slowly build your business, you may find that special niche that will afford you to someday, quit your day job. I’m sure your family will thank you in the end.

 

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So you’re thinking about building your own home…

It’s a great idea, because you can get a lot closer to what you really want when you build rather than buy.

But there are some critical things to be aware of, in order to keep risks and surprises to a minimum, and end up getting the home you want.

We’ve compiled this helpful guide from a number of industry sources and our own experience.

We hope it gives you a good introduction.

…the team at DJ Builders & Son

1. How important is it to choose the right builder?  

Your new home is going to be one of the most important investments you will ever make both financially and emotionally. You want to get the design and construction right so that it suits both your present and future needs and lifestyle. There are a lot of builders out there prepared to build you a house but which one is the right one? Which one will turn your dream into reality? Follow the steps in this information pack and you will be several steps closer to fulfilling your dream.

2. Your role in the process

Before beginning the design the following needs to be conveyed to the designer:

Your budget The size of the house to be designed – including room numbers, their locations and functions Facade type including exterior finishes for walls (e.g. rendered, face brick) and the roof type and finish (e.g. tiled, metal) Individual design features that you would like Specific details like ceiling heights, window sizes, and bathroom and kitchen fittings. The time frame. Note that plans have to be submitted to various authorities and this may take longer than expected. Build this into the construction time frame.

 

3. The designer’s role in the process

When using an architect, building designer or engineer the charge for designing the house will be in addition to the construction costs. When using a builder who provides a design service as part of the package the design is factored into the price. This will have some bearing on the amount of time that can be spent in working with you on the design. Consider this as well when selecting who designs your home.

Designers must be up to date with the following:

Latest legislation New building trends Environmental and energy considerations like insulation, water saving, building materials and energy saving systems like solar power and solar water heating

They should also be able to advise you on the most appropriate house orientation in relation to the sun and prevailing winds. They should also be able to advise you on how best to make use of a site’s topography.

For example it is often better to build a house on a sloping site that makes use of the shape of the site rather than bringing in a bulldozer to reshape the site. Earthworks can be expensive.

At your first meeting with a designer you need to assess whether they will be able to meet with your expectations in terms of being qualified to do the job. Attached is a checklist (see page of questions that you should consider asking the designer.

4. Builder’s reputations

Once you have a list of builders your next step is to find out about their reputations and the quality of their work. Probably the best way is to visit homes they have built and talk with the owners. A reputable builder with satisfied customers should have no problem in providing the names and addresses of recent customers that are willing to talk to you.

Some questions you can ask:

Are you happy with your home? Was the house built within the agreed time frame? What problems did you experience? Were they attended to promptly and to your satisfaction? Would you have this builder build another house for you?

Some observations you can make and note down:

Quality of the finishes including cabinetry, paint and trim Quality of the construction Style of design Construction type

Don’t hesitate to ask questions. Your new home is probably going to be the biggest investment you have made to date!

5. Advantages in working with a builder to design your home

There are some definite advantages in individual designs. These include:

Personalised and flexible design process Design suits your lifestyle and budget requirements Inclusions not limited Tailored to your particular site

Reputable builders that specialise in individual designs have examples of their work in display villages. This gives you the opportunity to see examples of their work without confining you to the plans you see displayed.

6. Project homes

Project home builders usually offer a range of standard plans in different price ranges including varying fittings and inclusions. They may specialise in single or double storey homes but are limited in inclusions and colour selection choices, design changes and site falls. 

7. Individually designed homes

Building designers, engineers, architects and licensed builders provide design services. Probably the most commonly used design service is that offered by builders who specialise in individual designs. They both design and build the homes and the service is included in the price whereas building designers, engineers and architects will charge for the service.

The majority of builders who build custom designs will have a portfolio of plans of homes they have built or standard plans, often based on their display homes. They will quite happily adapt these plans to suit your requirements or design a completely new plan. In addition they may specialise in a certain style of home like colonial or federation or in designing and building homes to suit difficult or sloping sites.

Regardless of whom you select to design your home you should feel comfortable with them. At the outset you should ensure that you both clearly understand each other’s roles and responsibilities. This will reduce the likelihood of misunderstandings and disputes.

8. Designing your home

Design services are provided by the following:

Licensed building designers Architects Licensed builders Engineers

Licences can be checked on the BSA website, www.bsa.qld.gov.au. or by phone. Note that architects and engineers do not require a licence but must be registered with their professional associations.

9. Design choices

There are effectively 3 design choices:

Make use of a standard design package supplied by a builder. They will usually have a range of designs from which you can make a choice. Often referred to as project homes. Review the builder’s standard plans and adapt them. Have a builder, designer, engineer or architect do a custom design.

 

10. Colour consultation

Uncertain about your homes finishes? Reputable builders have qualified colour consultants who can guide you through this important process.

They usually have sample finishes available to view, either in-house or at their display homes. They ensure that you get the finish that suits you, right down to the smallest detail.

Working with the colour consultant to choose your finishes usually occurs after the deposit has been paid and the design agreed (note not all builders provide this service so take this into consideration when selecting your builder).

You will be provided with a pack of information on finishes and invited to meet with the builder’s colour consultant for a several hour appointment to review the various options. This is your opportunity to ensure that all the finer details are not missed or taken for granted.

11. Inclusions

As mentioned earlier, project builders often have houses on view in display villages. Be warned that these houses are quite likely to have inclusions that are not included in the base price.

The following items will probably not be included in the base price:

Inside: 

Floor coverings with the exception of wet areas like bathrooms, toilets and laundries. Blinds, curtains and light shades Items like wallpaper, fixed mirrors (outside of bathrooms) and picture rails Furniture that is loose Dishwashers and washing machines Security systems

Outside:

Garages and carports Paths and driveways Security and fly screens Tiled and concrete floors under verandas and entry porches Landscaping Garden sheds, outdoor furniture, pergolas and fences Clothes lines and letterboxes Spas and pools Connections to services

However some builders will offer several levels of fit out as different price packages. Take care to identify exactly what you are being offered and ensure that the builder has an in house colour and fittings consultant to guide you through the process.

12. Additional costs

Do you have a sloping, timbered or difficult site on which to build? Be aware that the type of site on which you want to build can add considerably to the overall cost of the project. Note that builders are required under the Domestic Building Act 2000 to provide customers with foundations data before finalising the contract. Most project homes are quoted for building on flat stable sites with little underground rock. A site that is steeply sloping, unstable or has rock beneath the surface can add considerably to the cost of building a home.

If you have a difficult building site then it may be worthwhile to consider approaching a builder who specialises in building on this type of site. They usually design a house to suit the site minimizing the amount of excavation and making best use of the inherent benefits of a sloping site.

Check whether the builder has included the cost of soil tests, contour surveys and building approval fees in the required deposit.

Note that despite a soil test being done it is usually only from two or three boreholes and may not accurately represent the entire site. The builder may have rock removal as a provisional item in the contract and it may become very expensive.

Ensure that your contract has a fixed price for the footing excavation and footings (excluding rock removal) and that you have copies of the survey reports on which this is based. Also ensure that the contract specifies who is responsible for removing excess earth left after excavations.

13. Designer Question Checklist

1. Licence

Does the designer, whether a builder, engineer, architect or building designer have the appropriate BSA licence or professional registration? This you can check prior to your meeting. Yes No

2. Does the designer provide the following services?

Site inspections to ensure the characteristics of the site are taken fully into consideration in the design process? Yes No

Elevation sketches of the house in 3 dimensions to show what the house will look like when built? Yes No

Preparation of documents and plans and lodgement with the authorities for their approval? Yes No

Check for easements and utility locations (e.g. sewerage pipes) that could affect the design and siting of the house? Yes No

Check with Local Government or private certifier to ensure that plans include any special requirements before lodging? Yes No

3. Contract

Does the designer provide a standard contract? Yes No

Have you obtained a copy and read it carefully? Yes No

Will it accurately cover any agreement you have reached with the designer in terms of costs and service? Yes No

4. Deposits and fees

Have you ascertained what deposit the designer requires up front? Yes No

Have you ascertained how the designer’s fee is calculated? (e.g. fixed sum or percentage) Yes No

Are there additional costs involved in varying the plans once they are complete? Yes No

5. Timeframe

Have you ascertained how long it will take the designer to draw up your plans? Yes No

Does this fit into your timeframe? Yes No

14. Building complaints

The Building Services Authority has a website that keeps a record of disciplinary proceedings against builders. The BSA site can be accessed at
www.bsa.qld.gov.au and you should check the record of each of the builders on your list against the information on this website. No guarantee that you will not experience problems with a builder but past history often determines future behaviour. You can then cull from your list any builders that you doubt.

15. Queensland Master Builders Association

The first step in process is to decide on the type of home you would like to build and to work out how much you can spend. You then need to make a list of local builders that can build your chosen home style within your budget.

One way is to go to the Queensland Master Builders Association’s website at www.masterbuilders.asn.au. They have a search function that will provide you with a list of local builders in your region. Contact details and links to websites are included but no detailed information. This means that a lot of searching is required to find key information so you may want to consider other sources.

16. Other sources

If you want another way then advertisements in property supplements, magazines like Homebuild, website searches and display homes will provide more information in easier to use formats. Identify those builders that specialise in the style of house in your price range.

Make a list of these builders. You might even want to create a file with information printed off their websites or sourced from property supplements and magazines.

17. DJ Builders

A great way to find out more about designing your own home is to contact DJ Builders and Son. We have been building homes in South East Queensland since 1973 and have thousands of examples for you to view.

We specialise in individual designs and have skilled designers who can assist you in designing your dream home. No architect or designer fees on top-they are included in the price.

We’ll give you the home you want, designed for you, built as promised.

And to make it even easier, turn the page to read out our 10 step guide to designing and building your home:

The 10 Steps to Designing and Building your Home

1. The land

Maximising the investment you have made in your land, not only as a financial investment but as an emotional investment is important. You’ll want to build a home that will make best use of your land and its aspect to enhance your lifestyle. Our design consultant will visit the site with you to ensure that the design incorporates what you want and makes best use of the attributes
of the site.

2. The plan

You have decided to build. You may know exactly what you want or you may just have some ideas. The first step is it to turn these ideas into a concept plan. Sit down with one of our design consultants and discuss these ideas.

Look at designs and photographs of homes we have built. These will help clarify what you like and what you want in your new home.

3. The investment

At this stage you’ll have a draft plan. Go through our inclusions brochure and decide what you’d like. Once you have done that our consultant will be able to give you an estimate of the investment you’ll be making in your new home.

4. Soil test and contour survey

The next step is obtaining an engineers survey of the site. This is a legal requirement and it is essential safeguard in ensuring that your home is built with proper foundations and on the correct position on the site. This is also the point where we require a deposit to cover these costs. Once the design consultant has this information he can finalise the design with you and provide a base price with standard inclusions.

5. The final price quotation

At this stage we can give you a quote which includes all the details. You’ll need to go through this thoroughly with the consultant to make sure that you are happy that it’s exactly what you want. With this signed off it’s time to turn your dream into a reality-and that begins with signing the contract and paying the balance of the deposit. With that paid can get on with preparing the building permit applications and all the paper work that’s involved to get the plans approved.

6. Colour and finish selection

Now it is time to meet with our colour consultant who will assist you in colour selection and those final touches which will your turn a house into a home. Our inclusions brochure is a great start here and it’s worth browsing through it before your free appointment with our colour consultant. And in the meeting you’ll see sample finishes too-so much easier when you can see the real thing.

7. Beginning the build

This is your dream home-it can’t be thrown up in a few weeks from mass produced elements knocked up offsite and still maintain the quality you want. So we’ll agree with you on a reasonable time to build your home without compromising quality. With all the paperwork done we’ll begin the preplanning and within a few short weeks construction will begin..

8. During the build

It’s hard to keep away from the building site while your home is being built! You are encouraged to visit the site on a regular basis however, it is standard practice to be accompanied by your site supervisor due to safety requirements. You’ll meet the building Supervisor at the beginning and he will keep you up to date on the progress and explain each stage.

9. Completion

When everything is complete and when we have thoroughly pre inspected the house it will be time to hand over the keys. But before we do that we’ll accompany you on your own inspection to make absolutely sure that the home we have designed for you has been built as promised.

10. Moving in

You’ve moved in but we still want to make sure that our promise to you to build the home you want is kept. The six month maintenance period is your opportunity to make sure that we have kept our promise and a further six year structural guarantee.

Beginning the process

Give us a ring on 1300 858 177 or visit one of our display homes at Brookwater and in the QMBA village at Daisy Hill.

You’ll get the opportunity to meet one our consultants and find out how easy it is to design your own home.

We hope this information has been of assistance and wish you well in building your new home!

 

Do you have a home in the Hattiesburg Mississippi area you need to sell quickly?

Is your house 100% financed with no equity? Are you behind on your mortgage payments or about to be? Is your house in foreclosure? Did your real estate listing expire before your agent was able to get your house sold? Are you selling your home in Hattiesburg Mississippi due to a divorce, illness, job loss or the death of a loved one? Have you moved without selling your house in Hattiesburg Mississippi first? Does your home need extensive repairs? Is your house vacant? Are you making two payments you can’t afford and need immediate debt relief?

These problems, especially foreclosure, are problems that home owners face every day in today’s competitive selling market. The current deteriorating state of the economy is everywhere in the news. Fox, CNN, MSNBC, other news outlets and the President remind us of our pain daily. Home foreclosures are at an all time high even here in Hattiesburg Mississippi with many more foreclosures likely to come. The unemployment rate in Mississippi is growing and is the highest it has been in many years. Housing resale values are at all time lows with no end in sight and with the current credit crisis many of your potential buyers can’t even qualify for a new loan.

So what do you do when you find yourself in one of these ugly situations & need to sell your Hattiesburg Mississippi home Fast? Do you wait and wait and wait for a real estate agent to sell your home or try to sell your house yourself? If you don’t have much equity in your Hattiesburg Mississippi house, your home selling options are even more limited. You may have to write a big check to cover any negative equity, closing costs, taxes and real estate commissions. If you try to sell your house yourself you can spend a lot of money on classified ads that result in few potential buyers and you’ll have to deal with people traipsing through your house at all hours of the day and night. And if you can find an ideal buyer you’ll have to get them qualified and handle all the purchase and sale paperwork and get the housed closed. If you don’t have the cash or the patience, what are your options to sell your home quickly?

Sell Your Hattiesburg Mississippi House Fast! If you’ve been searching the Internet looking for someone to buy your Hattiesbug house fast or some way to sell your house in Hattiesburg Mississippi fast, you’ve found your way to the right article to sell your house fast, many times in 7 days or less! MSHomeSolutions.com is your number one source for buying houses in Hattiesburg Mississippi and throughout the Pinebelt.

How to Sell Your Hattiesburg Mississippi House Faster Than Ever! Once you’ve completed our Seller Questionnaire providing your contact information and telling us about your Hattiesburg house for sale, one of our professional home buyers will contact you by phone or email about buying your home. If your home meets our purchase criteria, we’ll schedule an appointment to come out and see your house and make you one or more offers to buy your house on the spot! It’s that simple.

Who We Are. MSHomeSolutions is a group of professional home buyers in Hattiesburg Mississippi and throughout the Pinebelt that specializes in purchasing houses quickly for all cash or on other creative terms. We are not real estate agents who want to list and sell your home for a commission, so there are never any broker fees or real estate commissions. All you have to do is tell us about your Hattiesburg home for sale so we can possibly buy it. That’s how simple it really is! AND we are also specialists in working with home owners in foreclosure. We can help you SAVE YOUR HOME from foreclosure or we can buy it even if there’s no equity.

We buy houses throughout the Hattiesburg Mississippi area. We also buy houses in Petal, Purvis, Oak Grove, throughout the Pinebelt in Forrest and Lamar counties, and across Mississippi and we want to buy your Mississippi house.

We can save you time and money. We know that selling your home can be an expensive, time consuming and complicated process. We understand your situation. If you need to sell your Hattiesburg Mississippi home fast, we are your number one solution. Our local, professional home buyers can buy your house in 7 days or less once you’ve notified us of the Hattiesburg home you have for sale. We can pay all cash, take over your payments, lease-purchase your house, or come up with a custom solution to suit your needs immediately! We will handle all of the paperwork, make all the arrangements and close within a few days if necessary. You’ll get a quick sale with no hassles, so you can put your house selling worries behind you once and for all. There will be no more stress and no more home selling headaches.

We buy houses in Hattiesburg Mississippi in all shapes and sizes and in all price ranges. We purchase all types of property and in all price ranges, whether it’s a new house, an old house, a big house, a small house, a pretty house, an ugly house or a house needing major repairs… We like to buy them all. We buy as many houses as we can in Mississippi and are always looking for more houses to buy.

We buy houses in Hattiesburg Mississippi in any situation. Whether you’re selling you Hattiesburg Mississippi house due to divorce, illness, unemployment, relocation, behind on payments, bankruptcy or foreclosure, we’d like to help you find a solution that fits your unique home selling situation. We specialize in finding creative solutions to tough real estate problems that Realtors and other home buyers won’t touch.

MSHomeSolutions.com is your best solution to sell your home fast. If you’ve tried to sell your Hattiesburg Mississippi home for sale by owner and failed or you have listed your house with a real estate agent who was unable to sell your home, we are your best solution to get your home sold quickly. Sell your house to us and avoid all the hassles and uncertainties of trying to sell your home yourself or through a real estate agent.

We are your ideal home buyer. If you sell your home to us, you won’t have to continue searching for the perfect buyer while you wait, month after month to sell your house. You won’t have to continue having open houses and showing your home to unqualified strangers who waste your time and scare the dog. You can sell your house in Hattiesburg Mississippi, often in 7 days or less and move on with your life!

Sell your house in Hattiesburg Mississippi in as little as 7 days! To sell your Hattiesburg Mississippi house quickly, please complete our confidential Home Seller Questionnaire on our website at www.MSHomeSolutions.com or call 601-544-9400. Tell us all about your Mississippi home for sale, how we can reach you and one of our knowledgeable house buyers will contact you ASAP about buying your house fast.

We are ready to buy your Hattiesburg Mississippi house today! Our home buyers are ready to help you through the entire home selling process. All you need to do now is call 601-544-9400 or visit our website at www.MSHomeSolutions.com to complete our confidential Seller Questionnaire and one of our local home buyers will contact you about buying your house fast. Why wait another minute to sell your Hattiesburg Mississippi house when you can sell your house to us today?

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