So Long Winter, Hello Spring!

Hello & Welcome back!

First, my apologies for neglecting my space for a bit, so I suppose that greeting was really for me, but I had no interest in creating content. There was so much happening with the world that I just could not gather enough energy to focus on it. However, things are looking up, so it’s good to be back.

Today, I’m sharing a few tips to get us through what I’ll be calling “The Season of Peril”. Okay, okay the name may leave a little to be desired, but go with me for a few. Now that spring has sprung, we have embarked upon a time where unpredictable phenomena reigns supreme. It’s a time for which we experience wildfires, floods, tornados, hurricanes and the like and with all of these things I want to be sure that you are prepared! I would encourage you to take note of some key things I’ll list below. If you have specific questions please connect with a specialist, insurance or warranty provider.

During a recent class, I learned all about how to ensure you and your home or business are protected and I wanted to share them with you here. After you’ve made your lists and checked them twice please do something nice by passing along to your friends and family, so they’ll be protected too. 

I appreciate you stopping by!

Miss A -The Realtor

Disaster Preparedness

Know your risks and prepare.  Think of the actions you need to take and everything you might need in case of a fire, flood, severe storm or other disaster.

Create an emergency kit. Include essential items such as first aid supplies, flashlights, battery powered radio, tool kit, extra batteries, nonperishable food and bottled water.

Understand your insurance coverage. Keep insurance information and contact names and numbers in a safe place. Review your policy with your insurance agent to make sure you understand your deductibles, the limits of your insurance and the nature of your coverage.

Create a Contingency File Assemble a folder with copies of vital documents and store it offsite or in the cloud. Take care to update this file regularly so it always contains the most current and active copy. Be sure to include:

  • Licenses
  • Insurance policies
  • Financial records
  • Contracts
  • Transaction files
  • Generate a list of restoration functions (what should be done first once the chaos is over?)

Keep an updated list of emergency contact numbers. In addition to emergency personnel (fire, hospital, ambulance, police) and disaster relief agencies, include information for family, customers, suppliers and distributors. Keep an extra copy off site.

Establish an evacuation plan. Designate primary and secondary evacuation routes and exits for your employees or family members. Make sure that routes and exits are well lit, clearly marked and easily accessible.

Designate Roles and Responsibilities Establish a clear chain of command. Identify personnel who have the authority to order and direct an evacuation and develop a communication plan for updating all staff or family members on disaster recovery efforts.

Focus on prevention Conduct regular audits and system checks of your fire prevention and other safety systems.

Buying Smart: The 10 Commandments

Hi Friends!

Spring and summer is when most of us get the itch to shake things up a bit and make BIG changes to our lives and surroundings. It is natural to desire something new and exciting and for some of you that is buying a home.

Face it! You’ve grown tired of the never ending rise in rent, noisy neighbors, and tight living quarters! No matter your reasons there are some things to consider before you dive head first into the buying process.

I want you all to be SMART buyers so, pay close attention to the following commandments and you will be well on your way to a phenomenal buying experience! Now, some of these you’re probably thinking, “that’s self explanatory”, but you would be shocked at how often buyers omit these and it costs them their dream of homeownership. Even if they don’t apply to you, please share them with someone who may also want to buy. Also, should you want a more in-depth understanding of this list, don’t hesitate to leave me a message. I love answering questions! Happy Reading!

1. Thou shalt not change job status (FT to PT), become self-employed (1099) or quit your job.

2. Thou shalt not buy a car, truck or van (or you may be living in it)! (Unless, your lender says it will not affect your DTI)

3. Thou shalt not use credit cards excessively or let your accounts fall behind.

4. Thou shalt not spend money you have set aside for closing.

5. Thou shalt not omit debts or liabilities from your loan application.

6. Thou shalt not buy furniture.

7. Thou shalt not originate any hard inquiries into your credit.

8. Thou shalt not make large deposits without first checking with your loan officer.

9. Thou shalt not change bank accounts.

10. Thou shalt not co-sign a loan for anyone.

Spring Is Here!

Hello Spring! Bye, Bye Winter!

I don’t know about you, but there is something magical that happens when leaving the cold weather behind and entering into much warmer temps. You feel happier and super motivated! Spring represents a time to start fresh. Homeowners especially benefit from the change in weather. Check out these quick tips for starting the season off right!

  1. Clean Up!- Nothing better than getting decluttered and organized
  2. Update your plant life- Plants & flowers add curb appeal and can refresh the overall ambiance of your home
  3. Switch your decor – Changing out your fall/winter pieces to more spring/summer pieces will make your home feel and look much brighter and alive
  4. Landscape- A manicured yard will give your home an easy facelift
  5. Inspect, Repair, & Clean- air conditioner, roof, gutters, air filters, windows & doors- you want to be sure all elements are functioning properly before the temps really heat up