Hiding your cash under the mattress used to work when we were a cash driven culture. Now that we’re all on line for almost every conceivable service and product, it’s imperative to protect yourself. Large scale hacking of personal and private information will only increase. View the video and implement these strategies to mitigate some dangers to your on line information.
If you’re thinking of becoming a homeowner, you’ve likely spent time budgeting for additional expenses – property taxes, lawn care, a big-screen TV to fill up that extra space…you get the idea. But have you factored in protection for your new home?
While you’re crunching numbers, remember to include homeowners insurance. A standard policy will cover exterior and interior damage from incidents like vandalism, fire, wind and lightning. It also covers loss of use expenses, damage to structures like sheds or gazebos, and liability and medical costs if someone is injured on your property. Personal property is covered, too – good news if you really do have your eye on that big-screen TV.
Still, standard policies aren’t comprehensive. To help you estimate how much you’ll spend on insurance, keep these points in mind:
- Standard policy coverage can be for the cash value of your home and possessions (which may depreciate over time), repair or rebuilding costs based on the original value of the home, or replacement costs that exceed your limit if necessary. Coverage does not equal the sale price of your home.
- Projects like building a porch or another bathroom can add significant value, so you may need to adjust your policy if you’re planning to renovate your new home. Upgrades (like a new roof) can lead to discounts if they mitigate risks, but potentially hazardous features (like a pool) may require up to $500,000 in coverage.
- Ninety percent of natural disasters result in some form of flooding – that’s a risk insurers just don’t want to take. Even if your home isn’t in a flood area, you may want coverage anyway if you have a finished basement. You can obtain a separate flood insurance policy through the National Flood Insurance Program (NFIP). And don’t delay – it takes 30 days for new policies to go into effect.
- Residents in earthquake-prone areas might also want to supplement their standard policy, which doesn’t cover damage directly resulting from seismic activity. However, if a quake leads to further damage, such as a burst gas line causing a fire, your standard policy will cover it.
It may seem costly, but protecting what’s likely the largest investment you’ll make in your lifetime is worth it – and peace of mind is priceless.
The Times Herald Record has reported a new urgent care facility will be operational in 2017. Located on the corner of Route 42 and Concord Road, “CRMG, which is a corollary to Catskill Regional Medical Center in Harris and is part of the Greater Hudson Valley Health System, will open the 11,500-square-foot facility on nearly 14 acres.”
From the local listings to your real estate agent, there are plenty of places where you can find insights and information about the market and what it means to purchase a home. However, it can be hard to dive into all the resources on the web with no concept of where to begin. If you’re looking for a few tricks of the trade and the information you’ll need to make an informed decision, look no further than the following websites to get you started.
Choose Zillow For Agent Reviews
If you’re going into the market blind, it can be hard to know (outside of the advice of friends) what agent to choose, but the real estate database Zillow can be a great resource for all of the questions you have about agents in your area. With a host of customer comments and reviews, Zillow will give you the inside scoop into the experience, knowledge and availability of local agents. This means it can be a great way to narrow down your list of potential candidates.
Deciding On Location With Neighborhood Scout
If you’ve found the perfect house in an unfamiliar neighborhood or you’re merely searching for a new locale, it can be a bit overwhelming to rely only on hearsay when it comes to your home purchase. Luckily, the website Neighborhood Scout enables you to search any neighborhood in the country to get important information regarding crime rates, local schools and home values. It also provides the pertinent details on many other aspects of the neighborhood you’re searching.
Get The Lowdown With Bankrate
Named as the National Association of Real Estate Editors best mortgage blog in 2014, Bankrate is a personal finance website that provides visitors with information on all aspects that relate to home ownership including mortgages, home deposits, loans, credit cards and taxes. With so many questions out there in regards to what’s involved in purchasing a home, Bankrate’s well-researched and objective analysis of money and home related topics is one of the best resources on the web.
There are a multitude of available resources on the web for home buyers to peruse, but some are better than others at providing the information that is really needed to be market savvy. If you’re preparing to buy a home and are starting to dive into the research, you may want to contact John Kavaller, Broker-Owner at Catskill Country Real Estate.
When you’re just moving into a neighborhood, it can be hard to know exactly what you’re getting into. Certainly, you can see the sights for yourself and read about your new community online, but there are still things that may not be readily available. If you’re looking for the cold, hard facts on the safety of your neighborhood, look no further than the following websites for the things you’ll want to know.
Situation Alerts on SpotCrime
By simply typing your street address in at SpotCrime, you will get an instant report of all the criminal goings-on in your community from arson to assault. While SpotCrime is free and enables you to register so you can be alerted to situations in your community, you also have the ability to anonymously offer up information that will help others.
Crime Rates On Neighborhood Scout
A website that will give you information regarding the crime rate in a certain community, Neighborhood Scout offers much of its information free of charge to users to scope out future communities for their own interest. In addition to the per capita crime rate, you can also get a host of information about other communities around the country with similar crime profiles to your own.
Registered Offenders on Family Watchdog
The tranquility of a neighborhood is something that can be easily taken for granted, but Family Watchdog enables you to be aware of what might be going on under the surface. Committed to determining the location of registered sex offenders, this website will easily inform you if there are any offenders in or near your community so you can evaluate the safety of you and your family accordingly.
Situation Updates on CrimeReports
Along with SpotCrime, CrimeReports is another website that enables you to type in your address to instantly pull up a host of information regarding recent crime that’s occurred in your next neighborhood. Much like SpotCrime, it provides you with an easy to read map of crimes that have occurred and you have the option of signing up for alerts that will inform you of recent situations in your community.
There may be a lot of information about your neighborhood online, but the websites listed above can help you with the details on things that may not be commonly reported. If you’re on the market for a home, contact John at 845-492-0261 and get an understanding of safety issues.