How to Make Tough Decisions as a Couple

Marnie and Tom live in a nice suburb in the Midwest with their two young children. Marnie’s mother, Elaine, lives about an hour away.

When the kids were babies, Marnie's mother used to drive to Marnie and Tom's every day to see her grandkids and help out. But lately, Marnie's mother's health has been declining, so she can’t drive over anymore.

One day Marnie gets an idea: What if she and Tom sell their house and move closer to her mother? Then the kids would be able to see their grandmother more often. Plus, Marnie would be able to keep a closer eye on her mother in case her health gets worse. Seems like a perfect solution.

There’s only one problem—Tom doesn’t want to move. Tom likes the neighborhood they’re in. He thinks he and Marnie paid too much for their house, but other than that he’s very comfortable.

Tom says no.

Tough decisions and zero-sum situations

Faced with big decisions like this, a couple will ordinarily try to compromise. But in this case, there’s really no half-way. Economists call this kind of thing a zero-sum situation. Someone’s going to win, and someone’s going to lose.

For over thirty years, I’ve watched couples struggle with zero-sum problems. Some more successfully, and some less so.

Some classic zero-sum problems for couples involve whether or not to move—often for one partner’s career—and whether or not to have another child. But there are lots of others.    

For thirty years, I’ve watched couples struggle with zero-sum problems. Some more successfully, and some less so. Today, we’re going to talk about what works, and what doesn’t, when you’re faced with one of these situations.

Three ways not to make tough decisions as a couple

 First, let’s talk first about what doesn’t work. There are three main approaches that don’t work. Unfortunately, most couples try all three:

Mistake #1 – Trying to convince your partner they'll be better off

The first mistake is to try to convince your partner that they’ll be much happier if they do things your way. In Marnie’s case, this might involve demonstrating to Tom all the wonderful things about the neighborhood she'd like to move to. Wouldn't Tom be better off there? 

No one likes to be told they’ll be happier if they just do things your way.

 Here’s the problem: No one likes to be told they’ll be happier if they just do things your way. It's better to assume each person has good reasons for feeling the way they do. And that those reasons aren’t likely to change. In couples therapy, we call this "staying in your own lane."

Mistake #2 – Suggesting there's something wrong with your parnter for disagreeing

The second thing that doesn’t work is to suggest there’s something wrong with your partner. Otherwise, they'd see it your way. If only they were less anxious, less obsessive-compulsive, less oppositional, less stuck in their ways, or less damaged by unresolved childhood trauma. Then they’d surely agree with you!

A lot of people get sent to my office for therapy by their spouses for just this reason. Believe me when I tell you, it doesn’t work.

A lot of people get sent to my office for therapy by their spouses for just this reason. Believe me when I tell you, it doesn’t work. It usually just leads to a lot of bad feeling.

Mistake #3 – Appealing to your partner's love

The third thing that doesn’t work is to appeal to your partner’s love and insist that if they really love you as much as they say they do, they’ll give you what you want. Almost every couple tries this.

Marnie is no exception.

“Tom,” she says, one night as they're getting ready for bed, “Don’t you see how I can’t sleep at night worrying about my mother? I can't stop thinking about how she’s missing out on so much of our kids’ lives. Can’t you see what this is doing to me? Don’t you love me?”

 “The answer’s still no,” says Tom. “And it has nothing to do with whether I love you or not.”

I'd be inclined to agree. Just because you love someone, that doesn't mean you're responsible for giving them everything they want. 

A better way to make tough decisions as a couple

The good news is there’s a much better method. There are three steps involved.

Step One:  Let’s make a deal

In business, this would be a no-brainer, right?  You’d never ask someone to give you something you want for free. Instead, you’d find out what their price is.  

In marriage, it’s the same thing. The main question is: What’s going to motivate the other person to do a deal?

Let’s see what happens when Marnie tries this approach.

One night in bed, just before they turn off the lights, Marnie turns over to face Tom.

“Tom, what can I give you to make you agree to move?” she asks.

Tom is silent.

“A promise to never complain ever again about you watching TV?”

Tom smiles. “It’s going to cost a lot more than that,” he says.

Marnie thinks some more. “How about if I agree to spend every Thanksgiving and Christmas with your family?”

Tom shakes his head. But now Marnie has the idea. She’s not asking for favors anymore. She just wants to do this deal.         

“I'll do all the cooking and cleanup three times a week,” she says. "And we spend Thanksgiving and Christmas with your family."  

Tom raises an eyebrow. Now he knows she's serious. "Let me think about it,” he says, and turns off the light.

Time for Step Two.

Step Two:  The $64,000 Question

The following night, Tom is sitting at his laptop paying bills. Suddenly it hits him. “Marnie,” he says, “I think I see a way to do this. If we’re going to move, let’s get a smaller house and start saving money again. What do you think?”    Marnie’s actually been hoping for a bigger house. It’s painful to hear that this is what Tom wants. But hey, now he’s named his price. That means he’s in the game.

To me, this looks promising. Marnie gets something she wants very much. And she pays for it, fair and square. Same thing on Tom’s side.

Marnie thinks for a minute.  

“Let’s see what we can find,” she says.

Step Three: The Price is Right

Now comes the fun part.

The following Sunday, Marnie and Tom drop the kids off with her mother and start house-hunting in earnest. After a few weekends, they find a house they both like well enough. It breaks Marnie’s heart to be downsizing, but it was the only way to make things work. And it helps that once they find a place Tom likes, Marnie gets him to agree to new cabinets and closets.

Decision making builds strong relationships

 A good deal will have both of your dreams in it. That’s important, because it means you’re both fully in. You never know how a move like this is going to work out. If it goes well, you both share the satisfaction. If not, you share the blame.

A good deal will have both of your dreams in it.

One sign of a good deal is that in the end, neither of you got everything you wanted. The final result didn’t look exactly like what either of you originally had in mind.

But hey, isn’t that the case with anything creative? Eventually you have to face reality. And in a couple’s relationship, reality often takes the form of the person next to you in bed.

Sometimes life brings you to a fork in the road, where no compromise is possible. When that happens, assume you’ll need to do some serious deal-making—as if your relationship depended on it. Which in fact, it will.

Eventually, you have to face reality. And in a couple’s relationship, reality often takes the form of the person next to you in bed.

As Yogi Berra famously said, “When you come to a fork in the road, take it!”

In the long run, how you settle the issue may matter more than which fork you take.

Source: quickanddirtytips.com

Steps to Building a House

In this article:

  • Check your financing options
  • Locate the right lot
  • Plan and design the home
  • Hire professionals
  • Understand the process of building a house

If you can’t find your dream home on the market or if you want to create a home that’s uniquely yours, you might consider building a house. Buyers who decided to build new homes were more likely to say that selecting the floor plan, having everything in the home be brand-new and customizing their home features were among their top reasons.* Before deciding if new construction is for you, you’ll want to learn about the different types of new-home construction and familiarize yourself with the process, from the initial land search all the way to selecting finishing touches. 

Typically, when someone says they’re planning to build their own home, they are referring to a fully custom build where they have a say in almost everything (short of items restricted by local laws and zoning regulations). But, in the realm of new construction, there are three different approaches buyers can take: 

Spec homes. With a spec home (short for speculative home), a home builder designs and constructs a single-family home without having one individual buyer in mind. Instead, they plan on selling the house to a buyer once it’s finished. Depending on how early in the process you are able to go under contract, you may be able to select some of the home’s final touches, like flooring, kitchen appliances and paint color. Sometimes these homes are listed for sale as “pre-construction.” 

Tract homes. With a tract home, a developer purchases a parcel of land and divides it into individual lots. Then, a home builder constructs all of the homes in that planned community. Tract homes can be condominiums, townhomes or single-family homes. Most homes in the community will look similar, and shared amenities are common. Similar to spec homes, you may be able to select some finishes in advance, depending on the timeline. 

Fully custom homes. With a fully custom home, you typically find the land on your own then hire a builder to build your dream home. You have total control over the floor plan, layout and finishes, but the process requires a lot of decision-making, attention to detail and disciplined budgeting – custom homes can be expensive. 

Since custom homes are the most complex new construction option out there, we’ll spend most of this article explaining the process.

Check your financing options

Once you’ve decided that building a custom home is the right choice for you, the next step is figuring out how you’ll pay for it – and a traditional 30-year, fixed-rate mortgage isn’t an option for custom home construction, at least not at first. 

Unless you can pay for the entire build with cash, you’ll likely be looking for a construction loan, which is also sometimes called a self-build loan or a construction mortgage. Getting a construction loan is often more difficult than getting a traditional mortgage, as you’re borrowing money for a concept and not a physical house. You’ll need to provide your lender with a timetable, budget, floor plans, materials needed and extensive details to be considered. Other things to know about construction loans:

  • They have variable rates that are often higher than typical mortgage rates.
  • A 20%-25% down payment is usually required.
  • The loan can include the land you’re purchasing or it can cover only the construction costs if you already own the land. 
  • There’s an opportunity to refinance into a traditional fixed-rate mortgage once construction is complete.

Locate the right lot

If you don’t already own the land you plan to build on, you’ll need to shop around for the right lot. A real estate agent can help you identify lots for sale in your area. 

As you narrow down lots you like, you’ll want to loop in your architect and builder to make sure the lot you select fits the needs of your home’s floor plan and design. They should be able to help you check zoning laws and restrictions and identify any attributes of the lot that might make it more expensive to build on – for example, a steeply graded lot may require more engineering, or a lot in a remote area may necessitate a septic tank.

Plan and design the home

Figuring out the size, layout and style of your home is a big task, and it can happen before or after the lot is selected, depending on your individual plans. When you’re building a custom home, the sky’s the limit, although you will need to keep in mind your budget and any limitations of your lot. And, if you don’t plan on living in the home forever, consider how design decisions will affect the home’s future resale value. 

The professionals on your team will be able to help you home in on the right style and layout, but it doesn’t hurt to get a feel for what you might want in advance. Drive around your area and identify homes you like. Look for interior design inspiration online or research the latest smart home features to see if you think they’re worth the added cost. 

Here are a few important design decisions that need to be made early on:

Number of bedrooms and bathrooms. How many people will be living in the house? Is your family growing, or are you downsizing? What about houseguests?

Single story vs. two story or more. Are there mobility issues that should be accommodated? Would a one-story home be easier for those with limited mobility living there? 

Outdoor space. How important is outdoor space and how much should you have? The bigger the yard, the more maintenance involved. 

Open concept or individual rooms. How open you want your house to be depends on your taste and lifestyle. Individual rooms give a more classic feel, while open concept homes are more modern. 

Home style. What aesthetic do you want your house’s exterior to have? Tudor, Cape Cod, craftsman, colonial?

Interior design. Are you partial to modern design, a more traditional look or something in between? If you plan on using the same furnishings you have now, will they match the look of the new home? 

Additional features. Think through other features that need to be decided on early in the process, like smart home compatibility, eco-friendly materials or solar panels. 

Future resale value. If you think you’ll sell the home at some point in the future, consider the home’s possible resale value. For example, if you add a pool or an upscale kitchen, will your home be priced too high for the neighborhood?

Hire professionals

Building a home isn’t an easy task, and it’s rare to take on the entire project yourself. So, you’ll need to have several different professionals by your side to ensure your home is structurally sound, follows local code and suits your needs.

Home builder

Hiring the right builder can make or break your custom home experience. Choose someone who is not only a licensed general contractor but also has a portfolio of custom homes and success stories in recent years. 

To find your builder, you can ask for a referral from friends and family, search online, or ask your real estate agent for recommendations. A good builder will help with:

  • Budget
  • Zoning laws, including acquiring permits
  • Infrastructure needs, like utilities and sewer

Architect

In most places, in order to even apply for permits, you’ll need architectural plans. Discuss the following details with your architect before they create your blueprints:

  • Square footage
  • Stories
  • Number of bedrooms and bathrooms
  • Layout
  • Functionality

Interior designer

You may also want to hire an interior designer who can help with the finishes once the framing and structural elements are in place. From flooring to bath tiles to fixtures, there are many design choices that need to be made, and it can get overwhelming for the average home buyer. If you do plan on making all the interior design choices on your own, don’t wait until installation time. Start researching finishes and fixtures early so you can set your budget.

Other professionals

In addition to these key players, there are other professionals involved in the custom-home-building process. Many of these people are hired by your home builder or general contractor:

  • Land clearing crew
  • Surveyor
  • Structural engineer
  • Inspector (from the city)
  • Plumbers
  • Electricians

Understand the process of building a house

After the designs and blueprints have been finalized and your permits have been approved, that’s when construction starts and your home begins to take shape, generally following these steps: 

1. Land prep
The first step in the construction process is getting the land ready. This includes clearing the area, digging trenches and making sure utilities are installed. 

2. Footings and foundation
Your foundation will be made of poured concrete reinforced with steel rods. Depending on the part of the country you’re building in and the design of your home, you may have a slab foundation, crawl space or a full basement. No matter what kind of foundation is poured, it will be sprayed with a waterproofing material and inspected by the city before framing begins. 

3. Framing
In the framing step, the bones of the home start to take shape. Framing includes the floor joists, subfloors, studs that form the walls and roof trusses. During this step, the crew will wrap the house to protect it from moisture. If construction is taking place during a rainy time of year, your builder may also install windows, roof shingles and siding during this step. 

4. Plumbing, electrical and HVAC
Once the home is “dried in,” subcontractors will start installing the home’s major systems, including plumbing pipes, electrical wiring and heating and cooling ducts. Each of these steps requires signoff from a local inspector. 

5. Insulation
Your home’s insulation needs will vary by climate, but in general, insulation will be applied to exterior walls, basements, crawl spaces and attics. Fiberglass, cellulose and foam insulation are all options. 

6. Drywall
Drywall panels are hung with screws, taped and mudded, and a spray texture is applied. Then the new walls are primed with paint.  

7. Interior finishes
In this step, most of the home’s interior features will be added. This includes doors, baseboards, casings, window sills, stair balusters, kitchen counters and cabinets, bathtubs, vanities, and hard-surfaced flooring. Interior painting and hardwood installation are sometimes done during this step, but they may be done later if there is risk of damage due to continuing construction. 

8. Exterior finishes
Driveways, walkways, patios and final grading to direct water away from home will all be completed. Landscaping and exterior decorating happen during this step too. 

9. Fixture installation
With the house close to completion, toilets, faucets, light switches, heat register covers, the hot water heater, the electrical panel and the HVAC systems are all installed. Many of these items require another round of inspection. Another task that happens in this step is the installation of glass fixtures like mirrors and shower doors. 

10. Flooring installation
Carpet and hardwood flooring are added in this late stage. Make sure to check with your builder on the status of your hardwood finishing process so you don’t accidentally damage them. 

11. Final inspection
Once construction is complete, a final inspection will be conducted by a local building official. Upon passing, you’ll receive a certificate of occupancy, which gives you the green light to move in. 

12. Final walkthrough
Before you move in, you’ll want to do a final walkthrough with your builder to identify punch list items that need to be repaired for the job to be considered complete. Common punch list items include electrical defects like nonfunctioning outlets, damage to drywall and paint, or missing fixtures.

Skip construction and buy renovated

Building a custom home is a complicated process, and it can take well over a year depending on your location, lot complications, house size, laws and the permit-approval process. Another option is to buy a home that has already been renovated – you get a fresh and updated feel without having to do the work yourself.

Shop Zillow-owned homes

Buyers of Zillow-owned homes can be confident that the homes they buy have been professionally renovated by local contractors. With Zillow-owned homes, you can avoid the stress of a custom build and make yourself at home.

 

*Zillow New Construction Consumer Housing Trends Report 2019

The post Steps to Building a House appeared first on Home Buyers Guide.

Source: zillow.com

What to do when you have problem neighbors

Figuring out how to deal with bad neighbors can be a major struggle. There’s nothing worse than buying a house and then realizing you have nightmare neighbors. But you don’t just have to grin and bear your neighbors’ undesirable behavior or tension on the block. With the right approach, you can turn it into an opportunity to build a good relationship, create a more positive environment for you and the rest of your neighborhood.

Here’s how to deal with bad neighbors

First off, make sure you’re not the bad neighbor.

It’s easy to see what your neighbor is doing to drive you nuts, but it’s a little harder to understand how your behavior might be affecting them. Because you’ll never get a neighbor to shape up if they think you’re the problem, make sure you’re as close to a model homeowner as possible before approaching them. A few hard questions to ask yourself:

  • What’s your noise level like? Loud TV, music, or machinery can drive neighbors bananas any time of day. And even normal noise, from say, lawn mowing, shouldn’t be waking them up in the morning or preventing them from enjoying a peaceful evening.
  • Are your pets quiet and friendly? Noisy, threatening, or roaming dogs — and even roaming cats — can become a sore spot for neighbors.
  • Do you keep things tidy? If your lawn is overgrown or your kids’ toys are strewn all over the place, it can become an eyesore. Neighbors may start to worry about your poor home maintenance hurting their home value.
  • Do you respect property lines? Don’t let your trees, fences, or any other property encroach on a property line, unless your neighbors specifically say they’re fine with it. It may seem fussy, but it can prevent all sorts of disputes.
  • Are you playing tit-for-tat? If you started parking over the property line because their dog barks too much, you’ll never sort out who was really in the wrong — or find a solution. Revenge, no matter how minor, is never successful at dealing with bad neighbors.

Once you’re confident that you’re not engaging in any bad-neighbor behavior, you can approach your neighbor to talk about what’s bothering you.

Develop a friendly relationship.

Trulia’s Neighbor Survey showed that one in two Americans doesn’t even know the names of their neighbors — and that can be a major hindrance to resolving conflicts peacefully. Introduce yourself at the first opportunity so that you have a strong rapport to build upon if a problem arises. It will be a lot harder for your neighbor to keep causing you grief if they see you as a friendly face.

To start a pattern of good communication, tell your neighbor in advance any time you’re having a party, doing a renovation, or anything else that could create noise or commotion.

Assume good intentions.

Don’t go in guns blazing when you approach a neighbor about what’s bugging you. Drop by and approach the subject in a friendly fashion, or, should you need to gently escalate the situation, request that they meet you for coffee. That will indicate that the issue is a big deal to you.

Neighbors often don’t realize that they’re creating a problem, and it’s best to avoid seeming like you’re accusing them. Put yourself in their shoes, and start by assuming that their problematic behavior is not because of any ill will towards you.

Be sympathetic if your neighbor complains.

While it’s important to bring up problems to your neighbor in a constructive way, it’s just as crucial to be thoughtful and cooperative when you’re the one accused of poor behavior. The complaint may not make much sense to you — for example, leaves from a tree on your property falling into your neighbor’s yard. But it’s more important to be friendly and accommodating than to be “right.” Respond to any complaints or requests the way you’d like them to respond to yours. If you’re willing to try to make their lives better, they’ll be more likely to do the same for you.

Document everything, just in case.

With luck, you won’t ever need to involve a third-party when sorting out how to deal with bad neighbors, but it’s always possible. While it’s worth doing everything you can to resolve an issue peacefully and willingly, you should also document every step along the way just in case. On the off chance that you need to involve a homeowner association (HOA), a neighborhood group, the city building department, or even the local police or an attorney, maintain a record of relevant dates, times, emails, texts, and even photos, so the facts are at your fingertips if you need them.

Research the rules before taking action.

Before turning your complaint into legal action or a formal complaint, make sure you know what you’re talking about. Contact the local housing department, consult a lawyer, talk to your HOA, or just do some solid Googling to get a sense of what the neighborhood rules and the law have to say about your issue. You want to make sure you’re on the right side of things before making a big deal out of i. (For one of the most common neighbor problems, check out this handy guide to easements.) Then — again, in a gentle and friendly way — you can let your neighbor know that the law or rules are on your side.

For critical issues, contact the authorities.

Of course, friendly conversations don’t always fix everything, even if you’re in the right. If you’ve tried everything else and the problem neighbors haven’t stopped their offending behavior, it may be time to get the authorities involved. Just make sure you consult the right authority about the issue — and always make the police your last stop. For instance, an issue with trash all over someone’s lawn can probably be resolved with the city’s code enforcement department. And a noisy or frequently loose dog might warrant a call to your HOA before the police or animal control.

Avoid scenarios likely to cause conflict.

Some situations between neighbors are almost guaranteed to cause conflict — for example, buying a home next to one that shows signs of being a hoarder house or one with a shared driveway. No matter how likable your neighbors may seem, tensions are likely to rise in situations like this. So unless you know your neighbor extremely well, it’s best to avoid the possibility entirely.

Find out what homes are available in the friendliest neighborhood you know on Trulia.

The post What to do when you have problem neighbors appeared first on Trulia's Blog.

Source: trulia.com