Keeping Your Home Safe for Your Pet

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When a new furry friend enters your life, it doesn’t take long for them to become an important member of the family. Animals, especially young ones, can be very curious and easily get into things they shouldn’t. It’s important that you take steps to protect your pet from hazards in your home and from potential damages caused by your pet. Here are some tips for pet-proofing different areas of your home.

Throughout the Home

In many ways, your pet is a lot like a child. Think about the steps you’d take to make your home safe for a little kid. If there are areas of your home you don’t want your pet to access, consider using a pet or baby gate to restrict where they can go. You may even want to use childproof latches to stop them from using their paws to open cabinets and drawers. Like you would for a child, beware of small items they can easily swallow such as batteries, coins, magnets, buttons, paper clips, and anything with small removable parts. Try keeping electrical wires and cords out of your pet’s reach so they can’t chew through them, or at least try making a habit of unplugging things when they aren’t in use to minimize the risk of electrocution. The tidier you keep your house, the less likely your pet is to get into something they shouldn’t. When it comes to house plants inside and out, do your research; some flowers and plants (including lilies, tulips, and azaleas) are poisonous to animals and can make your pet critically ill. The ASPCA has a list of toxic and non-toxic plants you can review.

Kitchen

Keep your food up high and secured where you pet cannot access it. The ASPCA has a list of food to avoid feeding your pet so you can take extra care securing foods that are more likely to make your pet sick. Beyond the well-known chocolate, these foods include avocados, onions and garlic, grapes and raisins, coffee, nuts, salt, and gum. Even when a food isn’t harmful to your animal, the wrapper or packaging it comes in could be. Watch out for little things like twist ties and can tabs that your pet could easily swallow. For extra safety, you may want to use a gate to keep your pet out while you’re cooking so they don’t get under your feet and they stay away from any hot surfaces or open flames.

Laundry Room

Always check to make sure your pet hasn’t gotten into the washer or dryer before loading them. Keep laundry detergent, bleach, and other chemicals up high and out of reach. It’s best to keep your laundry in a basket to minimize the risk of your pet chewing on or even swallowing small articles of clothing such as socks. When swallowed, things like strings and buttons can cause digestive issues.

Bathroom

Keep any and all medications, soaps, cosmetics, and cleaners up and out of your pet’s reach. Make sure your toilet lid is kept closed to stop your pet from drinking from the toilet. Don’t leave your pet alone when there’s water in the tub or shower to prevent drowning.

Living Room

If your pet is particularly rambunctious, you may want to secure your furniture to the wall to avoid potential tip overs which could injure your animal or someone else nearby. If you have children, keep their toys tucked away when not in use so your pet can’t chew on or swallow them, especially small toys. If you’re concerned about your pet damaging upholstery, there are couch and chair protectors you can buy so they can’t scratch or chew your furniture.

Bedrooms

Keep your clothes and shoes out of your pet’s reach so they don’t have an opportunity to chew on them. Be careful what you leave on nightstands if it’s at eye level or within swiping reach of your animal. Make sure your pet isn’t sleeping in any drawers or closets before closing them. If you have a very small or senior pet that sleeps in bed with you, you may want to purchase a ramp or set of steps to help them get into bed easier.

Outdoors

If your pet has access to a pet door, it’s essential that you have a fence or other barrier in place to keep them within your yard. Check your fence for any gaps or holes where your pet might be able to get through. Be careful and follow directions when using pesticides and other chemicals as these can make your pet sick if they come in contact with them; keep your pet inside when working with chemicals outside and store all chemicals up high and away when not in use. After your pet has been outside, especially in tall grass, it’s important you check them for pests such as fleas and ticks.

5 Ways to Save Money When Buying a House

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So you’re buying a home and want to get the best deal possible. Besides negotiating a good price (the obvious path to savings), there many other ways you can save money. In this article, we will explore some of the less obvious ways to save money when buying a house.

Use an Experienced Local Real Estate Agent

A good Realtor will save you a lot of time, money, and heartbreak. Their experience in the home buying process and real estate contract expertise is vital for getting the best deal on a home and ensuring the process goes smoothly. When things go off track in a transaction, it gets expensive very quickly. And when the inspection process isn't handled well, it could cost tens of thousands of dollars in unforeseen repairs that are suddenly your responsibility.

While some first-time buyers may try to save some money by not using an agent, this will hurt more than help. In fact, you, as the buyer, do not pay the commission to the Realtor; the seller does. A Buyer's Agent commission is figured into the listing contract; Sellers expect buyers to have their own agent and plan from the beginning to compensate them. A real estate agent will negotiate multiple terms in addition to the price to protect you and save you money.

Get Loan Quotes from Multiple Lenders

Interest rates will vary from lender to lender, so it’s recommended you get loan quotes from at least 3-4 different mortgage companies. Lenders charge various other fees for processing a mortgage, loan origination fee, loan application fees, etc. In the loan estimate, you will be able to see the fees charged clearly. Not only can you use these loan quotes to help you negotiate lower fees and rates, but they give you a chance to speak with different loan officers to see who you’re the most comfortable with.

Have 20% Saved for the Down Payment

Unless you’re coming to the table with a 20% down payment, you’re going to be stuck paying for mortgage insurance. Private mortgage insurance (PMI) is insurance on the mortgage loan itself to protect the bank in the event that a borrower defaults on the loan; the lender is reimbursed for the funds lost. FHA loans will require mortgage insurance regardless of the amount of your down payment and one of the drawbacks is that mortgage insurance is usually required for the life of the loan. Conventional loans require mortgage insurance when the down payment is less than 20% and can be removed in most cases (upon written request) once the loan is paid down to 78% loan to value.

Increase Your Credit Score

The higher your credit score, the better rate and terms your loan will have. Lender fees and interest rates are tied directly to your credit rating. You can do a few simple things to improve your credit score quickly before applying for a mortgage loan.

  • Pay Down Your Credit Card Balances

The balance on your credit cards vs. the credit limit is called your credit utilization ratio. This ratio accounts for 30% of your overall FICO score, only your payment history (35%) has a higher impact on your credit rating. It’s recommended to keep your balances below 15% of your credit limits to maximize your credit score.

  • Don’t Apply for New Loans or Credit

New accounts and hard inquiries make up 10% of your credit score. When you open a new account, your credit score will take an initial drop for a couple of months. When you know you’re going to be applying for a mortgage soon, it’s best to hold off on buying that new car or credit card.

Find a House That Needs Some Work

You may be looking for a luxury home that will sweep you off your feet and doesn’t need any work. The problem is, so is everybody else. Homes with lots of upgrades and custom features will cost much more than a home that needs some love. Finding that diamond in the rough can be a great way to save money. Updating hardware, fixtures and lighting is relatively easy to do. Painting walls and adding your own personal touch can be very rewarding while saving you cash.


Thoughtful Holiday Gifts That Give Back

The only thing better than giving the perfect gift is knowing you’re supporting an important cause at the same time.

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It’s more important than ever to give back to our Boca Raton community and beyond this year, and we’ve made it easy to do so with our curated list of gifts that give back. Whether you’re looking for a budget-friendly stocking stuffer for your kids or a cozy buy for the homebody in your life, there’s something for everyone. Support the causes closest to your heart and spoil your loved ones for the holiday season with these charitable gift picks below.

Custom Jewelry

$10-$200 Beads Can Feed

I’m so excited that my favorite Boca Raton charity (Boca Helping Hands) has teamed up with Beads Can Feed this holiday season. When you order one of these gorgeous handmade Czech glass beaded bracelets, they give 100% of their proceeds to No Kid Hungry, Boca Helping Hands, and World Central Kitchen

UniquelyGifted

$10-$300 ETSY | Unicorn Children’s Foundation

This local Boca Raton non-profit is redefining what is possible by creating cradle to career pathways that help kids and young adults with special needs excel in their communities. The Uniquely Gifted Etsy shop features items like body butter bars, candles, dog treats and necklaces all made by people with unique abilities.

No Kid Hungry Tools for Change Spatula

$14.95 WILLIAMS SONOMA

Add an extra-special spatula to your home chef’s stocking this year. Williams Sonoma’s No Kid Hungry collection features 10 unique, celebrity-designed spatulas to choose from, and 30 percent of their retail price is donated to No Kid Hungry to fight childhood hunger. Want to make more of an impact? The No Kid Hungry collection also features 10 matching dish towels to round out the set.

Love Is Love Tea Towel Set

$19.95 (Set of 2) WILLIAMS SONOMA

Celebrate and support love with this cheerful rainbow towel set. Williams-Sonoma promises to donate 50 percent of the purchase price for these towels to support efforts of the Human Rights Campaign. The civil rights organization works tirelessly to end discrimination against LGBTQ people and create a world of equality for all.

St. Jude Honeycomb Chenille Throw Blanket

$45 - $89 WEST ELM

On Sale!

The homebody in your life will love lounging fireside in this buttery-soft chenille throw. Each blanket features a dimensional honeycomb weave and comes in your choice of golden oak, midnight blue, taupe or washed ruby red. Even better? West Elm promises to donate 50 percent of your purchase price to St. Jude Children’s Research Hospital.

ASPCA Cat + Dog Mugs

$8.40 - $58 WEST ELM

On Sale!

Sip hot cocoa for a good cause with these darling cat and dog holiday mugs. West Elm promises to donate $1 to the ASPCA for every mug purchased with a minimum donation of $30,000 by January 31, 2021. Benefit the animal welfare organization with your choice of five furry mug designs. Feeling more charitable this year? Snag a set of two or four mugs to enjoy with family throughout the holiday season.

The Giving Keys Necklace

$45 THE GIVING KEYS

The key to personal happiness is giving back to those around you. Purchase this darling and dainty key necklace from The Giving Keys to support their effort to end homelessness. Each necklace purchased through The Giving Keys helps create jobs for those transitioning out of homelessness. The timeless necklace comes in gold, silver or rose gold finish and features your choice of three uplifting engraved phrases.

Peppermint Chocolate Animal Rescue Candle

$24.99 ETSY | RESCUECANDLE

Celebrate the season with a delicious scented candle from Rescue Candle. This peppermint chocolate soy candle is hand-poured in a classic Mason jar and will consume your home with a fresh and wintry fragrance that lingers for hours. Our favorite part? The makers at Rescue Candle donate 15 percent of their proceeds towards animal rescue charities, and each candle comes with its very own donation card.

Hand in Hand Bar Soap Set

$19.99 (Pack of 4) HAND IN HAND SOAP

'Tis the season to treat your inner circle to some fancy bar soap. The Hand in Hand assorted bar soap set is a must-have on your holiday shopping list because the company donates one month of clean water and one bar of soap to children in Haiti for every bar of soap sold. Hand in Hand has donated over 1.6 million bars of soap to date and has built four wells to provide clean water for those in need. The set comes with four fragrances: cactus blossom, citrus grove, sea salt and lavender. Bonus: The soaps are made with environmentally-conscious materials.

Give Back to Nature Candle

$24 UNCOMMON GOODS

One can never have too many candles, right? This Canopy-scented candle will wrap your home in a mix of teakwood, water lily and eucalyptus notes that will linger for hours after burning. Each candle comes in a recycled-glass vessel and promises a 50-hour burn time. Give Back to Nature Candles also donates a portion of each candle sale to one of three charitable organizations based on the candle purchased. Purchasing this refreshing fragrance will lead to a donation to Amazon Watch, aiding their efforts to stop the destruction of the Amazon rainforest.