Smart AC For Your Entire House

Home automation is increasingly common these days as the number of consumer-focused smart devices continues to increase. Though automation covers everything from light controls and security systems to water leak monitors and door locks, one of the most common automation devices is the smart thermostat. These thermostats offer improved climate control and energy savings through programmable adjustments for a range of different scenarios.

There is one issue with the early smart thermostats that were introduced, however: most of them only offered a single point of climate control, not taking into account several common heating and cooling scenarios that require a bit more nuanced control. Fortunately, there are other thermostat systems now available that provide smarter climate control options.

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Why a Multi-Room Approach is Important

There are a number of reasons why having a single point of temperature control isn’t always ideal. In some cases, rooms that are farther away from your unit may not get the same degree of air flow, especially in older systems; if everything is controlled by a single thermostat located near the air intake then the rooms with lower air flow won’t get the air that they need to keep pace with the rest of the house. Similar problems can occur if you have a split system or zoned heating and cooling. It may be a cool 68 in your living room, but rooms that are served by other system components could be staying in the 70s or higher.

You Need a Multi-Room Thermostat

Regardless of the reason, if your thermostat isn’t able to consistently heat or cool your entire home then it’s not going to be nearly as efficient as you’d like. That’s where a multi-room thermostat system comes in handy. These thermostats have additional sensors that you can mount in other rooms around the house. These sensors take additional temperature readings and broadcast the data back to the thermostat. The thermostat takes this additional data and adjusts the way it heats and cools your home with a focus on maintaining the entire home’s temperature instead of just the room where the thermostat’s located.

Because the thermostat has information from all over your house, the amount of warm or cool air circulated into each room is adjusted based on the home’s actual needs. This gives a greater amount of control over the internal temperature of the house, preventing warm and cool spots. It also ensures that adjustments made when you’re not in certain rooms or when you leave the house are optimized to save you the most money on your heating and cooling costs.

Taking Control of your Home Climate

There are a number of models of multi-room thermostats that you can choose from. The initial installation shouldn’t be any more complicated than any other thermostat replacement, as the majority of multi-room units use wireless technology to communicate with the central thermostat. Since you don’t have to directly wire the satellite sensors you have a lot of freedom in where you place them without having to drill holes and run wires through your walls.

Once the thermostat is installed and all the sensors are in place, all that’s left is to sync the sensors with the central thermostat. How you do this may differ depending on the make and model of thermostat you choose, but each model should have detailed instructions on how to connect the units together. Once everything’s connected, all that’s left is to sit back and enjoy the controlled climate.

Need Another Opinion?

While most smart thermostats are designed to be a DIY installation, setting up a multi-room thermostat unit isn’t always easy. Whether it’s a result of confusing installation instructions or you simply don’t have the time to spare, you might find yourself wanting to call in a home automation professional to get the job done.

5 Credit Mistakes Home Buyers Make

You’ve been renting for a while now and it feels like the timing is right to make the leap to home ownership. After all, your friends are all buying houses and your job feels pretty stable, how many more hints that it’s time to settle down could you really need?

Well, if you’ve given it considerable thought, are certain you can cover emergency costs like unexpected roof replacement or furnace repair and you have a realistic expectation of what you can afford, then full speed ahead. Buying a house is a trying experience, only made significantly worse by credit mistakes.

Top Credit Mistakes to Avoid When Buying a Home

Everybody makes mistakes, especially when it comes to their credit. The process by which your credit score is generated has long been veiled in shadows, making it doubly easy to misstep without even knowing it. However, there are certain mistakes that homebuyers make again and again, including these items that are obviously impactful to your credit score:

1. Not knowing what’s in your credit file to begin with.

The last thing you need is a bit of a surprise when you go to apply for a mortgage. If you have collections that you’re unaware of, judgements that were never served to you or just plain bad information in your file, these items have to be handle now. It can take a while to completely erase the effects of any negative information in your credit file, so you need to get started right away.

Go to annualcreditreport.com for your once a year free credit report, download that thing and print it out. Check it line by line for accuracy and contact any collection agents that may be listed so you can work out a payment plan on that cable bill you left behind in your college apartment and totally forget to pay.

2. Applying for mortgages over a long period of time.

Sure, it makes sense to pull your credit file six months to a year ahead of when you plan to purchase, since there might be surprises that will require time to fix. If you pull your scores yourself, it’s not as big of a hit to you as it would be it you had a lender checking your scores, say, monthly. When you are definitely ready to buy, do all your mortgage shopping within a 14 to 45 day window (depending on the scoring model and version). Ask your lender how long credit inquiries for mortgages will remain grouped, only being counted as a single credit pull. Otherwise, so many hard pulls will ensure that you don’t move forward to purchase.

3. Opening new lines of credit in anticipation of closing.

Did you give any thought to skipping the line and buying a new couch today, rather than after your closing? How about doing that while maxing out a brand new credit line? This is a huge and terrifyingly common mistake that people make. It makes sense, it really does, you just want to be ready to get your move over with quickly once you get the keys.

The problem with a new inquiry is sort of a double whammy. First, it’s a hard pull on your credit, which will reduce your score slightly. Secondly, if you use that credit line, your debt to income will increase. In fact, depending on how much of that credit line you use, your utilization rate may also increase.

TL;DR: don’t take out new credit. Your credit score, debt to income ratio and possibly your credit utilization will take a big hit and your loan may be cancelled at the last minute when underwriting is re-verifying your application.

4. Maxing out existing credit lines.

Moving is really expensive, even if you’re just moving across town. The moving truck alone can cost hundreds of dollars, and that’s if you do the job yourself. There’s nothing wrong with renting a truck, hiring a mover or even hiring a whole lot of movers, just do it after closing. If anything changes to the negative about your credit score, credit utilization and your debt to income ratio, as stated above, your loan can be cancelled. This is not a drill.

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5. Failing to forward your bills.

After closing, you could still make a few credit mistakes problems related to your move. Did you remember to pay the last utility bill at your old place? How about the broadband? It may seem like an obvious error to avoid, but when you’re in that moving stress haze, sometimes it’s all you can do to grab a pot of coffee and get moving again. Your credit is pretty good right now, don’t forget to pay those final bills.

Buying a house with a mortgage can feel like an exercise in paperwork collection, but the truth is that all of it is necessary for you to get the very best price from your lender. After all, what they’re really doing is trying to ensure your success with their loan. When you succeed, they succeed.