Cleaning Hack: How to Have Spotless Windows for Months by Blessed Beyond Crazy

large-homeWindows are easy to clean on the inside, but the outside can be a chore, especially this time of year when it rains practically every day.  Do you have a two story home? How often do you want to get out the ladder and clean those windows!

Linda over at BlessedBeyondCrazy.com shares a great tip for keeping the outside windows sparkling clean with an idea her husband came up with. This is so obvious your going to have one of those “why didn’t I think of that” moments. Hint, if it is good enough for a windshield, why not do all the windows in your home…

Get the Cleaning Hack: How to Have Spotless Windows for Months

Thanks Linda!

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Tips for Buying A New Home and Homeowners Insurance Coverage

ID-100249012If you are looking to move into a new home, check out these tips first and about Homeowners insurance coverage.

Be realistic about how much you can spend.

Save yourself a lot of time by planning out a budget first. The first thing you need to consider is how much can you afford to spend each month on mortgage, taxes and insurance on your new home. Talk to your bank about a pre approval letter for new home loan so you know exactly what you can spend. Look at the homes in the range you can afford and maybe less. Doing the research yourself will make you more knowledgeable about the market, which is key to making a good purchase.

Online resources and Realtors

Before you get your heart set on a home, call the Realtor on that listing and make sure the information is good. Ask about the roof,  mold, or any other problems that could be there. A Realtor is a great asset to have when searching for a home and as a buyer you do not pay a commission fee. Also check your counties appraisal website and put in the address. It will give you the taxes that were owed the year before and may offer some updates for the current year.

What is the neighborhood like?

If you have had problems with neighbors while renting, that option is you can make a complaint to a landlord, or negotiate your contract and move. Do your homework ahead of time about the location of your new home. It may be beautiful, have the pool you want, and a dream size backyard, but what is the good of that if your up until 3 am because of noisy neighbors. Take a drive out around dinner hour and again maybe later in the evening. Ask others if they know about the neighborhood, break-ins, noise, family oriented, etc.

The Mortgage Company

People tend to go with large, well-known mortgage companies, and that’s fine. Check out the smaller, regional companies as well and see if they can offer you better rates than the big companies.

Always, Always have a home inspection

This is not the same as an appraisal of your home. The appraisal is the value of the home. The home inspection makes sure your home is safe and basically if there are repairs needed.  Your basic Home Owners Policy may cover the dwelling, personal property, liability in case someone gets injured, and storm damage. It will not cover a pre-existing condition such as mold. Make sure you walk through the home with the home inspector and do your homework for what to look out for.

If the home has termites, you will have to consider the amount of money it will take to get the home tented. If the plumbing has to be replaced, a new air conditioner, etc, it will be your responsibility to fix or replace things once the home is purchased. Your home inspector is there to be sure the home is up to your counties code system, so be sure to find out what the county code for homes are in your area.

 

Photo Courtesy of  phasinphoto  at FreeDigitalPhotos.net


Motocross Dirt Bike Fun – Right Gear and Insurance

ID-100113339When choosing Insurance for your off-road motorcycle, you are providing both you and the bike a safety net just as important as the gear you are wearing. Dirt Bike/Motocross are for off-road fun. These bikes are designed for riding on unpaved ground or rough terrain and are not street legal.

A Helmet– This expense is crucial whether you are on road or off-road with your motorcycle.This your most valuable asset. When choosing a helmet make sure you pick quality, its fits properly and is secure every time you ride.

A Neck Brace– Just as important as the helmet. Your getting bumped and jostled just riding over the terrain. We never want to think we are going to go down, but in the event that this happens, with a neck brace, you have protection from serious injury.

Chest / Back Protector– There are many of these available and use of one is highly recommended as a chest / back protector (also advertised as a “Roost Deflector”) can help dissipate the energy generated in a crash and help protect internal organs and other body parts from impact damage when you end up in a yard sale.

Knee Braces– Excellent piece of protection. Everyone who rides a dirt bike should have Knee Braces. Every time you get on that dirt bike you should be wearing these for the same protection you would give to your head and chest.

Boots
– Protect your ankle and foot area, get a pair of good quality boots in place of a standard boot to offer that need protection to your lower leg.

Goggles– Lets face it, your going to be in dirt and mud that slings from other riders when you are competing. Your clear vision can mean a race and your safety. Suggestion: Tear Off goggles that can provide you with the clear vision you need.

Staying Hydrated – is a must and just a critical as the gear you are wearing.

Look into different systems that can carry fluids that are easy to consume.

Always follow the safety rules when riding Motocross/Dirt Bikes and make sure you have the right insurance coverage.

 

 

Photo Courtesy of Toa55. at FreeDigitalPhotos.net


What To Do After A Flood

flood-139000_640When floods occur from flash flooding (sudden rapid rising of water along streams or low lying areas) Severe Thunder Storms, Tropical Storms and Hurricanes, the streets and your yard could be covered. The number one catastrophe from flooding is drowning and occurs mostly during flash floods.

If you are under a flood or flash flood warning be prepared to evacuate and head out for higher ground

Always have a NOAA Weather Radio on hand with batteries. The NOAA Weather Service will keep you up to date for flood warnings, hurricanes, tropical storms and other critical information you will need.

Stay Out of The Water

Walking through standing or moving water can be hazardous. Only 6 inches of moving water above your ankles can make you fall. Standing water can also build up microorganisms that contaminate and cause skin disease.

Electricity and Water Do Not Mix

The number two cause of death due to flooding is electricity wires and power lines down and even in the water. Electricity can make a pond or standing water charged and deadly. Stay away from them, do not test to see if they are active. Contact your electrical company immediately if you see power lines or wires in or near any water.

Returning Home

If you had to evacuate, return home when officials have stated the area is safe.
Before you enter your home, check the outside and your property. Look for down power lines and gas lines that may be damaged. If you smell gas or hear a hissing noise, contact the fire department immediately. Keep pets and children away from the water and any dangerous places.

Approach your property carefully and check for any entry way damage, roofs that may be falling down, cracks in walls, windows and any outside damages.

Inside your home may have chemicals such as cleaning supplies, gasoline from the garage, and other things commonly used in the home that are now scattered and need cleaning up. Wear gloves and protective clothing and rubber boots.

Check for snakes, some may be poisonous, and small animals on your property and inside your home, that may have come in with the flood.

Check your food and make sure to throw out anything you question. Throw away anything that has been effected by the flood waters. Do not use the waters for washing dishes or baths, ice cubes, or anything, remember this water is contaminated. Check with your local public heath department for a boil water recommendation or for treatment of any water.

Take pictures right away of any damages as your are checking your property and home for insurance purposes. If you can send the pictures to your email or upload to a photo website where you can store them. If anything happens to your camera or phone that takes pictures, you have a back up.

Contact After The Flood

Go to the RedCross.org/SafeandWell website and register. After a storm or event if you have internet access you can go online and let your friends and family know you are ok. If you do not have internet access you can call 1-800-GET-INFO and register or to let everyone know your ok.

Flood Insurance Tips

Homeowners Insurance does not cover flood damage. Flood Insurance is separate policy. Even if you do not live in a flood zone, consider flood insurance in Florida. Once their is a tropical storm or hurricane, in your area, there is a possibility of flooding. Without flood insurance you will pay out of pocket expenses for the damages. In many cases, it takes 30 days after the purchase for a policy to take effect contact us today for more information.

Call us today to get your questions answered. 863-453-3903

 

Photo Courtesy of Pixabay.com