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Tips For Moving With Children

by Samia S. Morgan

Moving can be extremely stressful especially if you have children. It is important to be aware of the things that may be a concern to your children when making a move.

A few areas of concern for children when making a move may include:

  • Preschool children tend to worry about being left behind or separated from their parents.
  • Kids aged 6 to 12 can be concerned with how their daily routines will be affected.
  • Teenagers are concerned primarily with fitting in and having their social life disrupted.

A way to ease these concerns may include:

  • Communicating with your child about what the new house will be like.

  • Take them on a visit of the new home and neighborhood (if possible)

  • If you can, visit the school with your child and meet some of the teachers.
Involving your children in the move can help make the transition easier. Your kids can be a great help to you and the move if you involve them such things as:

  • Packing some of their own special belongings, and decorate the box with stickers and markers.
  • Make plans together on how to decorate their new room.

There is a lot to consider during a move and by involving your children you just may relieve the stress your children are feeling, reduce your own stress and be able to focus more on other aspects of your move!

Back to School in San Francisco

by Samia S. Morgan

It's back to school time and kids and parents are busy trying to get organized to start the school year prepared. Kids are typically concerned with buying the right outfit while parents concentrate on making sure their kids have the proper supplies for their classes.

Check your local school website for a school supplies checklist. If your school doesn't offer this list online, below is a basic list, as provided by GreatSchools.com, to help you get started.

Elementary School

  • Glue sticks  
  • Scissors
  • Ballpoint pens
  • No. 2 pencils
  • Colored pencils
  • Pencil sharpener   
  • Large pink eraser  
  • Box of crayons   
  • Drawing paper
  • Construction paper
  • A ruler with English and metric measurements
  • School box   
  • Kleenex
  • Small bottle of hand sanitizer
  • A backpack (Check out GreatSchools.com article, Tips for Buying a Backpack and Carrying Safely, about choosing the right backpack)

Middle-School and High-School

In addition to the basic school supply items, children in middle and high school may be required to purchase the following:

  • A calendar for time-management and for scheduling assignments
  • 2 combination locks   
  • Binder dividers  
  • Several 3-ring binders
  • Folders to fit into binders
  • A small notebook to record assignments
  • Pencil case to fit into binder
  • Pens
  • Index cards, ruled and unruled
  • Calculator (Check with your teacher first for type and model)

Don’t forget to visit GreatSchools.com for a more complete list. Happy shopping and have a great school year.

Water Conservation - Alternative Landscaping

by Samia S. Morgan
We are currently living in a time where the environment is a growing concern. As homeowners we should all try to do our part and one of the things we can do is understand the importance of water conservation.

Home Owners Associations are trying to do their part for water conservation by creating beautiful, maintenance free landscapes called "xeriscape". This is a natural type of landscaping that reduces the amount of water consumption by following a few natural landscaping techniques.

Read more about how Home Owner Associations are exploring Xeriscaping in the article HOA Enviroscaping

Moving? Have You Been Prequalified?

by Samia S. Morgan


How much home can you really afford? The first step in buying a home is to have a budget and figure out how much you can actually afford. Your agent or lender can help you with this in a couple of ways:

 

  •  Pre-qualifying process This process will give you a general "estimate" of what you will be able to afford.

  • Pre-approval process This process will allow your lender to review your finances in more detail in order to determine the amount of money they agree to loan you for your home purchase.

Your lender will review your finances and focus on a few main areas such as:

  • Gross monthly income
  • Credit history
  • Amount of outstanding debts
  • Source and amount of money available for down payment and closing costs
  • Interest rates, etc.

All these things put together will help your lender determine two important qualifying ratios.

  1. Debt-to-Income Ratio Generally the amount of debt you pay each month should not exceed 36 percent of your gross monthly income
  2. Housing Expense Ratio Most lenders will not approve your loan if the mortgage payment exceeds 28 to 33 percent of your gross monthly income

These are the first steps in determining how much you can afford when purchasing a new home. For more mortgage and finance information feel free to contact me at any time or visit my Finance Information page.

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Photo of Samia S. Morgan, Inc. Real Estate
Samia S. Morgan, Inc.
dba Samia Realty Group
BRE# 00967165
San Mateo CA 94403
650-678-3633