|Real Estate Information|
Disaster Decision - Do You Need Insurance
The expenses involved with owning a home can be overwhelming at times - routine maintenance, repairs, seasonal preparations, improvements. Not to mention taxes, fees, and all those monthly bills. Some homeowners, in trying to reduce their expenses, wonder if they really need disaster insurance.
Disaster insurance is typically defined as additional homeowners insurance to cover events like hurricanes, tornadoes, earthquakes, and floods. Home insurance policies typically cover hurricanes and tornadoes review your policy to be certain in covers damage from such events. But often damage from floods and earthquakes isnt covered. This extra insurance, if desired, must be purchased in addition to your standard homeowner policy, and it can be expensive, depending on where you live.
Because disaster insurance can be expensive, its a type of coverage some homeowners opt not to buy. But in some cases they are required to buy. For example, mortgaged homes in the US that are located in designated flood hazard areas are required to buy flood insurance through the US National Flood Insurance Program. Of course, once those mortgages are paid, there is no longer a requirement to buy such insurance. But homeowners in those areas should carefully consider whether they really want to take the risk that their home and everything in it could be swept away, leaving them with nothing but an empty lot. Homeowners that arent in designated flood hazard areas should still know that floods can cause plumbing problems, like sewer and septic backups. These often arent covered in a standard homeowners policy, and they may want to consider an endorsement for coverage.
In the US, many tend to think that only the area along the west coast is subject to earthquakes. This isnt true however, and 39 US states have some potential for earthquakes. Coverage for seismic events can be very expensive in California and other western states, but homeowners in other states should evaluate the cost vs. the earthquake risk for the area where they live.
How to start a home business.
Do you know that it’s possible for a housewife or a ‘one-man-show’ around the world to start a home business for full time income
Making Freelance Writing Niche Types Fit
Our Freelance Writing Needs Defined
Relocating for Retirement Which Realtor Can Help You
I am a native of Tidewater Virginia, which encompasses counties and towns in the Chesapeake Bay area from Virginia Beach, to Hampton, Newport News, Williamsburg and New Kent County. Even before I entered the real estate profession I watched the real estate market change and evolve over many decades. The Tidewater area, which includes Greater Williamsburg, is a pleasant location for retirement mainly because of the temperate climate and convenient location on the Eastern seaboard. Many military retirees who have served much of their career in the area simply opt to stay in Southeastern Virginia when they retire.
What Is A Home Based Travel Agent
Many people are unclear about the travel industry.Travel agents are often thought to be the same as real estate agents.Becoming a travel agent or more specifically a home based travel agent is an exciting career change or retirement option.Some people do it full time while many do it as a part time business.
Be a Realtor with Curb Appeal
Are you a realtor with curb appeal or are you more of a fixer-upper needful of updating
Brain Snappers and Other Wall Street Nonsense
Brokers do that to let you know that you don’t know anything about the market and you must allow them to make decisions for you. You don’t know the language. You are just too dumb. Another mushroom.
Google, Yahoo!, Pandoras Box And The Lottery
In the fall of 1990, the musical group Snap had a monster number one hit record called, "Ive Got The Power."
7 Essentinal Resources for Small Business
So you want to start a business but you dont have a lot of money Start your business online, and it wont be a problem.
Prepare for Winter Before It Arrives
Even though we are still enjoying warm weather and winter seems far away, now is a great time to begin preparing. If you do a bit at a time before winter hits the tasks are not at all overwhelming.
Is Day Trading Right For You
Do you have the tolerance for the risk involved with day trading Day trading is not a get rich quick business. It is not technically even investing. This competitive game of day trading is speculation at its core and the odds are against you in favor of failure. But for those who crave this type of environment it can be a very exciting and profitable venture. A study in 1999 found that 70% of day traders lost money and of those that made money the profits were made from just one trade.
Networking - Outside The Box
We receive numerous emails regarding how to network. For those of us in lease purchasing its easy, for others not so easy.For example, those in the travel business have been hit hard by business slowing down. Why not try to network with some of the tanning salons, and offer discounts to those individuals for cruises and/or exotic locals. Or network with B&B owners in your own state or neighboring states and offer your customers weekend package deals.Spas are becoming very popular. Network with some in your own state or surrounding states and then offer specials to your clients.
Empire State Building – A landmark
This is a story of structure that remained tallest for 42 years. It is one of the best known structures of the world and has been admired by all of us. So much so that each of us knows its name. This building not only became an icon but a symbol of twentieth century mans attempts to achieve the impossible. But how did this gigantic icon get built- Chandra Bhushan, Architect
Dont Sign That Lease Yet
Youre being transferred to a new city in another state for a position that you start in exactly two weeks. You fly to your new hometown to select an apartment. You have exactly two days to make a decision and sign a lease, so when, after much searching, you find a vacancy in a relatively decent property, youre anxious to sign when the lease is placed in front of you. Resist the urge. As mentioned in previously in our report "Avoiding Tenants Tribulations," wearing rose-colored glasses can easily fool you into believing that your best interests as a tenant will be protected. Your desire to find a home and wind up what can be an exhaustive search process can push you into signing on the dotted line before youve read and understand all of the fine print of your lease.
How to Sell Your House For Full Price
How to Sell Your House For Full Price Without a Broker
Turf Wars: Author/Landlord Offers a Few Words of Advice for Tenants
Richard Rusdorf, author of "The Landlords Handbook: A Complete Guide to Managing Small Residential Properties," managed a 400-plus-unit apartment building in Chicago 20 years ago. The past president of the Chicago chapter of the Institute of Real Estate Management, he has served as a real estate broker, consultant, writer, architectural photographer, and certified property manager. With such a diverse background in real estate, Rusdorf has plenty of perspective on what peeves both landlords and tenants. Tenants number-one point of contention, he says, is "responsiveness to complaints -- even if theres nothing that can be done about the problem." Residential rental properties are a literal obstacle course of sticky situations. These fairly tight quarters are home to many people with specific concerns that they expect their landlord to address and pay for yesterday. Landlords, whether at fault or not when tenant complaints arise, find themselves between a rock and a hard place on such issues as security, water quality, the neighborhood, neighbors, their guests, and noise.
Mortgage Prepayment Penalties - Just Say No
One of the most common terms found in a new home loan is a prepayment penalty. This type of penalty says that if the borrower pays off the loan early, commonly during the first five years of the loan, then the borrower will be responsible for paying an additional amount of money, typically about six months interest on 80% of the mortgage balance. Sub-prime market loans will typically carry prepayment penalties more than standard mortgage loans.
An Easy way to Deal with Email Viruses and Worms
If you feel intimidated when someone tries to teach you something new on the computer, this article is for you!
It Takes Two - How to Cultivate Profitable Alliances
“Cross promoting with other businesses can give you a significant advantage over the competition, with many benefits and cost savings.” -Heidi Richards-
Buying and Selling Distressed Houses for Maximum Profit
If you want to become a real estate investor, find a "fixer-upper" owned by an anxious seller. Finding distressed houses at bargain prices, fixing them up, and then selling them on a consistent basis can make you a millionaire.
The Curious History Of Wine Consumption In America
The history of wine consumption in America has been frought with starts, stops, and inconsistencies.The American population has always had a love-hate relationship with alcohol.Historic prohibitionist attitudes amongst much of the American population have blurred the line between moderate wine consumption and detrimental alcoholism.As a result, regular, moderate consumption of wine by the American public continues to face ideological and legal impediments.
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