Categories
Auto Glass Safety and Maintenance

Windshield Repair vs. Windshield Replacement

Author: Simon Carter https://www.lithoniaautoglass.com

One beautiful morning you sit in your car, ready to get to work, and you see there is a small chip at the base of your windshield. You may spend as much time as you want to wonder how it got there, but the fact of the matter is that it is there and you have to do something about it before it turns into a bigger problem for you.

Sometimes, it is more than just a small crack, and you know the reason behind the damage as well but what you are confused about is the fact that whether a simple repair from an auto glass shop nearby will suffice, or will you be ending up paying for the complete windshield replacement. The damage needs to be assessed carefully, bearing three major factors in mind that need to be evaluated before making any final decision :

1) Location of Damage

This is one of the essential characteristics of an injury to the windshield. If the crack or the scratch is in the line of sight of the driver (on driver’s side) such that it obscures the vision and its clearly visible, the law prevents such vehicles from being driven without repair. Most auto glass shops do not repair the windscreen if the damage is on the driver’s side. Therefore, windshield replacement becomes necessary in such circumstances. Similarly, if the crack originates from the corner, a replacement is the most suitable solution again. As any structural issue on either corner can compromise the stability of the entire windshield. If, however, the crack is on the passenger’s side, it may be repaired, based on the severity and size of the damage.

2) Size Of Damage

A small chip that is less than the size of a quarter (one inch in diameter) is easy to repair, however, if that repair is in the line of sight of the driver, the location forces a replacement. Also, in the event of the damage size being more than that of a quarter, it definitely will require a replacement. Such damages aren’t easy to repair unless there is advanced equipment available at an auto glass shop.

3) Severity Of Damage

As a general rule of thumb, if there are three or fewer cracks or chips on one side of the windshield, a repair may be preferred. However, several damage points weaken the overall strength of the windshield, thus demanding a complete replacement. Also, if the damage is due to a collision, the frame of the screen may have loosened due to the force of the impact, again paving the way for a replacement.

The noteworthy point is that any repair only cosmetically improves the condition of the windshield. There is no reinforcement, meaning your windshield stays weak and susceptible to collapse. Replacing the windshield is definitely not a small expense but a necessary one when it comes to the overall safety and integrity of your vehicle, yourself and your passengers. Any small or significant damage should get checked by a professional auto glass expert. All insurance companies cover the cost of both a windshield repair and replacement, so there is no need to worry.

Categories
Real Estate Tips

How to Negotiate an Offer on a Home

When looking to buy a home, you can hire a real estate agent to do the bargaining on your behalf. Still, you should also understand what opportunities you have for a good negotiation. Nobody likes to pay more than they have to, so you mustn’t just leave everything on an agent’s shoulders as they may not be perfectly competent or willing to invest as much time as you for this deal.

Let’s just say there is a house for sale, and you like it. You need to proceed cautiously, knowing both what to do and what not to, keeping in mind that the seller may reject your offer based on any number of reasons. For a confident buyer, you should have the knowledge of the primary do’s and don’ts of negotiation and how to go about, as mentioned below :

Be Responsive
If, on your offer, you get a counteroffer from the seller, do not take more than 24 hours to respond with whatever you want to say. This demonstrates the seller that you are serious in buying and also reduces the chances of someone else getting that house.

Show Flexibility
The most crucial part of any successful negotiation involves the other party feeling the elasticity in the deal. This helps in demonstrating your earnest interest and raises your chances of getting a concession.

Research Properly
You have to take into consideration the average prices for other homes for sale in the area, the actual condition of the house & neighborhood, and factor in the local market situation before diving into a negotiation. Thorough research will always make you more confident and may benefit you greatly in the negotiation. Use your home inspection information to bargain your price down.

Leverage Points
Good negotiators always know what they need to walk away with at the end, and they also know their leverage points before plunging into a dialogue with the seller.

Here is a list of a few things that you can maneuver in your favor during an intercession :

– Earnest Money Deposit (EMD) is the sum that you pay to the seller along with the offer you submit for the house.
– Home Warranty is the cost payable by the seller in case a major home appliance like heating or air conditioning breaks down within a certain period.
– Home Inspection is the right of a buyer, and if done properly, it may reveal some house repairs that the seller may be keeping from you.

– Closing costs are fees to be paid to the lender for taxes on settling a mortgage.
– Possession Date is the actual date when the seller has to hand over the property to the buyer.
– Mortgage Points Deduction is the act of paying points on the mortgage as a tax-deductible expense

Always submit a realistic first offer so that the seller takes you to be a reliable and serious buyer. Engage positively in the discussion by staying respectful and reasonable to get the best possible purchase price. Though the price is the primary factor in deciding the sale, sometimes sellers also accept lower offers if they feel that a buyer is more qualified.

Categories
Auto Glass Safety and Maintenance

The Dangers of Winter on Your Auto Glass

Your automobile comes standard with hundreds of amenities and safety features that are designed to keep you secure and comfortable while on the road. In the past, many of these features would have either been optional or non-existent, so it is easy to take for granted these accessories and how they have improved our overall driving experiences. The windshield has evolved considerably since its inception and now features UV protection, tinting, and other elements of strength designed to keep you and your passengers safe while moving from point A to point B. Keeping this glass safe during the winter months could prevent the need for a windshield repair or windshield replacement later.

One of the biggest hassles when it comes to your driving experience in the winter months. After all, the cold and wet climate that it can often bring is something that makes warmer temperatures or wet springtimes pale in comparison. Unfortunately, winter climates can also have a profound impact on your windshield if not handled properly. Whether you need to clear off the ice or prevent it in the first place, there are some common tips and tricks you should know beforehand. In the following article, we’ll discuss the dangers that winter can pose to your automobile and how you can adequately handle them.

Ice Accumulation

Throughout the colder months, ice can easily form on your windshield and auto glass during the evening and night hours, leaving you with a surprise the next morning as you plan to head for work, school, or elsewhere. There can be a few different reasons for this: a heavy frost combined with low temperatures can cause a thin layer of ice to form, while freezing rain and other forms of precipitation can make the coating of ice even more hazardous. One thing is for sure: this layer of ice must be removed before you can continue on your way safely.

Removing Ice

You should always be careful when it comes to your windshield and any frozen precipitation. A hasty or improper removal process can actually damage the windshield and lead to bigger issues in the form of cracks and chips. Safelite recommends that you start your car with the defrost on low, allowing it to run for approximately five minutes. You can then use a plastic scraper to remove the ice bit by bit, as well as a brush to remove any excess material. You may also want to consider a deicing spray solution to accelerate the process. Do not scrape ice from your windshield when the vehicle is not warmed up, as this can cause extra stress to the windshield and shorten its lifespan.

Other Ice Concerns

While ice on your windshield is the most common and obvious way that it can impede your ability to drive, there are plenty of other issues that may arise. One issue that many do not consider is how ice or snow can block the tailpipe of some vehicles. This can allow for the accumulation of carbon monoxide in the cabin and can be lethal in some cases. You definitely want to take the time to inspect your tailpipe whenever you are inspecting the broader vehicle for ice accumulation. Particularly in areas where large accumulations of snow can occur, this is a real issue.

If you generally leave the house in the later morning hours, then you may be able to park your car in such a way that the morning sun can help loosen any accumulated ice on its own before you make your way outside. Depending on the climate, you may still need a scraper and brush, but the sun’s warmth can help accelerate this process. If you cannot park in such a way to take advantage of this effect, then be sure to follow the advice given for removal in the preceding paragraphs.

Preventing Ice

In many cases, ice accumulation on your windshield and windows can be prevented by some proper preparedness. The easiest way to prevent ice is to park in a garage or under a covered area. This will ensure that any precipitation that falls cannot accumulate and – in the case of the garage – prevent any frost or ice accumulation whatsoever. If you do not have access to a covered area, then you can improvise by using window covers, a tarp or even cardboard to block your windows and windshield from the outside elements.

Conclusion

Winter can be a frustrating time for anyone, but it can also be a frustrating experience for your auto glass and windshield. From snow to cold temperatures and ice, the factors that winter can inflict upon your auto glass have to be handled intelligently in order to ensure maximum and proper functionality. By parking under covered spaces, covering your windshield, or using a gradual warming and removal process to eliminate ice via scraper and brush, you can rest assured that your windshield will remain in tip-top shape regardless of the situation – a must for safe driving!

Categories
Home Mortgage Ideas

4 Mistakes Unmarried Home Buyers Often Make That You Can Avoid

First comes love, at that point comes … a mortgage?! The truth is out: Many couples are purchasing a home together before getting married. Truth be told, 1 of every 4 homeowners said they bought a home with their better half before marriage, as per a 2016 review by JP Morgan Chase. What’s more, that is assuming they wind up getting married all things considered; many keep living together while never heading down the passageway.

In any case, getting a home advance as an unmarried couple presents some one of a kind budgetary difficulties. First of all, you have to think about how conceivable it is—thin however it may appear—that you may separate one day. Indeed, these things occur.

“You have to take a gander even under the least favorable conditions case situation,” says Ray Jones, a New York project supervisor at JP Morgan Chase. “It is anything but a wonderful discussion, however, you have to have it.”

All things considered, buying a home together is eventually a business choice. You, as an individual, need to find a way to ensure your speculation. Thus, before purchasing a home with your loved one, make a point not to commit these normal errors.

Error No. 1: Not talking about your record of loan repayment

Regardless of whether you’re applying for an advance together, you will be surveyed by the mortgage loan specialist as people. Married couples are evaluated separately, as well, however since they’re hitched, they’ve likely had some inside and out cash talks as of now. Unmarried couples may have put off this theme, however, it’s a great opportunity to ask each other some intense inquiries—beginning with your FICO rating.

Your FICO assessment, obviously, is fundamentally a proportion of how well you’ve paid off past obligations; you can get a free gauge of this number at Credit Karma. Regardless of whether your FICO assessment is authentic, if your accomplices are shoddy, you as a team could be viewed as a loaning risk.

“We utilize the lower score of the two people when qualifying the couple for an advance,” says Jones. Furthermore, if somebody’s score isn’t adequate, “this could mean you’ll be required to make a higher upfront installment, or you deteriorate financing cost, or you won’t fit the bill for credit by any stretch of the imagination.”

One potential arrangement is to have just the individual with better credit apply for the advance. In any case, in doing as such, you’ll need to relinquish remembering your accomplice’s pay for your advantages, which may debilitate your application.

“Most occasions you need the two salaries to meet all requirements for the mortgage,” says Hannah Rogers, a mortgage authority with Movement Mortgage.

The uplifting news is, the sooner you know your accomplice’s record of loan repayment, the sooner you’ll get to fixing any issues before they mess up your home-purchasing plans.

Mix-up No. 2: Planning who pays what with an embrace and a kiss

Apologies, sentimental people: You can’t simply accept you and your loved one are only consequently in a state of harmony about who pays what, and this is especially obvious in case you’re unwed and come up short on the legitimate insurances marriage gives. So you’ll need to draw up a lawfully restricting agreement (with assistance from a real estate legal counselor) that explains the accompanying parameters:

What every individual adds to the initial installment

How much value every individual has

What each gathering will pay, including the mortgage, duties, utilities, and upkeep

Try not to accept you need to go 50-50. “Numerous couples do 70-30 or even 80-20,” says Rogers.

Generally significant, the understanding ought to incorporate an arrangement regarding what occurs if both of you separate, says Debbie Nelson, a confirmed budgetary organizer and co-creator of “Cash Without Marriage: An Unmarried Couple’s Guide to Financial Security.”

For instance, which gathering has the option to purchase the other one out? What’s more, if that buyout occurs, what number of examinations would you have to decide the property’s honest assessment? Explaining these things currently will assist you with keeping away from contradictions later.

Slip-up No. 3: Not thinking about your title alternatives

Without a doubt, you may live in this home together, however, there are really three different ways that couples can “own” a property. Here are the means by which to disclose to them separated and choose what direction is directly for you.

Sole proprietor: The main time you’d need to put only one individual on the title is if that individual will hold 100% value of the property—which may bode well if that individual is only bearing the mortgage and different expenses with claiming the home.

Joint occupants: If one individual kicks the bucket, the other naturally acquire the other’s stake and possesses the whole property. This “bodes well in case you’re going in 50-50,” says Rogers. Many married couples decide on joint tenure.

Occupants in like manner: This specifies in the event that one individual passes on, proprietorship won’t consequently move to the next homeowner except if that individual is named in the will. Rather, the perished proprietor’s beneficiaries will acquire those offers. This can be a decent decision in the event that one of the two accomplices have children or family from a past union with whom they need to pass on the property on the off chance that they bite the dust.

Misstep No. 4: Making house payments independently

While married folks searching for homes for sale in Hixson TN frequently join bank balances, numerous unmarried couples are reluctant to coexist their accounts. That is a substantial concern, however, in case you’re paying a mortgage and other home costs together, having a shared service—into which you both contribute cash from your different records—can help smooth out your house payments tremendously.

All things considered, you can’t compose two separate checks for your month to month mortgage, so having one record just bodes well (and setting up programmed payments guarantees they’ll get paid).