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Jacob Eastlick

15 Best Projects to Do in Fall

By Jacob Eastlick on October 29, 2020 0

T. LacomaUpdated: Apr. 18, 2018

As the weather starts to cool down, you have the perfect opportunity to clean up summer messes and prepare your home for colder days. Use this time to get these fall maintenance and renovation projects done before it’s too late!

1 / 15

Upgrade Your Old FurnaceNEIL LOCKHART/SHUTTERSTOCK

Upgrade Your Old Furnace

If your furnace is 10 to 15 years old and is taking longer to heat up the house than usual, it may be time to replace it. Pay close attention to the SEER ratings and choose an efficient fuel like natural gas to help save money. Plus: Do I Need a New Furnace?

2 / 15

Check On Important Insulation

Check On Important Insulation

Specifically, check on weatherstripping around your doors, windows, and garage door. The felt strips seal these openings to prevent drafts, but they can wear down over time. Replace any faded weatherstripping and complete any other insulation tasks you’ve been putting off. Plus: Replace Weatherstripping

3 / 15

Seal Any Air Leaks in the AtticFAMILY HANDYMAN

Seal Any Air Leaks in the Attic

If you see any light shining through chinks in your attic, you have air leaks (and pest entrances). Seal those off with foam insulation to keep your house warm over winter. Do not try to close off any attic vents, however, as you’ll need those to get rid of humid air. Plus: Learn More About Attic Insulation

4 / 15

Clean Out Your GuttersINDY EDGE/SHUTTERSTOCK

Clean Out Your Gutters

Your gutters work hard over fall and winter, and they need your help. Clean them out before it gets too cold. This will prevent gutters from overflowing with rain or snow and damaging your roof. Plus: Gutter Repair

5 / 15

Replace Old Single-Pane Windows

Replace Old Single-Pane Windows

Single-pane windows are poor insulators. If you have any of these windows, consider replacing them with double-pane windows. You can also upgrade double-pane windows to models sealed with a neutral gas like argon to improve insulation. Plus: Learn More About Window Replacement and Installation

6 / 15

Spread Mulch to Protect PerennialsFAMILY HANDYMAN

Spread Mulch to Protect Perennials

Spread mulch among your perennial flowers and plants. This will help insulate them from frigid temperatures and also provides a bit of extra protection against hungry creatures. Plus: The Family Handyman Guide to Mulch

7 / 15

Replace Missing ShinglesFAMILY HANDYMAN

Replace Missing Shingles

Your roof needs to be in good shape to resist wind, rain and snow. Replace any missing shingles and fix other signs of damage before those eyesores turn into serious and expensive leaking problems. Plus: Easy Shingle Rep

8 / 15

Prepare Your Fireplace

Prepare Your Fireplace

For wood fireplaces, clean them out thoroughly, check the chimney, and make sure that you have an ample supply of wood. Gas and electric fireplaces can also benefit from an annual inspection before winter begins. Plus: When to Clean a Chimney Flue

9 / 15

Switch Your Ceiling Fan DirectionFAMILY HANDYMAN

Switch Your Ceiling Fan Direction

Ceiling fans should turn clockwise in the colder months, which pushes warm air back down into the room. Most fans have a simple switch that reverses the direction. Plus: How to Balance a Ceiling Fan

10 / 15

Hibernate Outdoor AC UnitsFAMILY HANDYMAN

Hibernate Outdoor AC Units

Clean and cover your outdoor air conditioning unit to protect it from rain and snow. Note, that this doesn’t apply to heat pump models, which are designed to switch to a heating mode in winter and cannot be covered. Plus: How to Clean Your Condenser Unit

11 / 15

Clean Up Your Lawnmower and Other Yard ToolsFAMILY HANDYMAN

Clean Up Your Lawnmower and Other Yard Tools

Your lawnmower and other yard tools are probably dirty after a spring and summer of use. Don’t let that dirt and grime sit around all winter. Instead, clean and tune up these tools so they will be ready for the next heavy work season. Plus: Tune Up a Lawn Mower

12 / 15

Clean and Cover Your Grill

Clean and Cover Your Grill

It’s time to break out the cleaners and steel-bristled brushes, because your grill needs attention. Get rid of any remaining scraps of food, turn off the gas, and cover the grill to protect it from weather and pests. Plus: How to Tune Up Your Outdoor Gas Grill

13 / 15

Clean Carpets

Clean Carpets

Fall is an excellent time to clean your carpet. They tend to be at their dirtiest after summer activities, and you want them clean for indoor winter activities. Be sure to open your windows and air out your house as the carpet dries. Plus: Carpet Repair, Cleaning and Installation

14 / 15

Winterize Irrigation SystemsFAMILY HANDYMAN

Winterize Irrigation Systems

In colder climates, your irrigation system should be blown out to remove any water and prevent freeze-ups that can ruin sprinklers. Make sure that you also store your garden hose and shut off the water to exterior faucets, if possible. Plus: How to Install a Drip Irrigation System

15 / 15

Trim Problem Bushes and TreesSAULETAS/SHUTTERSTOCK

Trim Problem Bushes and Trees

The last thing you want are branches to hit your house during a windstorm. Now is the time to inspect nearby trees and shrubs, and cut any low-hanging or dying branches before they can do damage. Don’t go crazy, though. Trimming promotes new growth, so wait until your bushes and trees are truly dormant (after winter, early spring) to do your annual pruning.
 
Originally Published: September 08, 2017

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Buying a Home? 7 Essential Tips for Getting the Most from Virtual Home Tours

By Jacob Eastlick on October 1, 2020 0

Virtual tours can provide a safe alternative to traditional home showings and open houses during the pandemic.

By Jessica Bennett 

July 13, 2020

Purchasing a new home can be stressful even during the best of times. But navigating the process during a global pandemic is a whole new challenge. Buyers and sellers are still making it happen, however, with help from smart adaptations like virtual home tours. This alternative to traditional showings and open houses allows you to view a prospective home through a live video from the comfort of your own home.

Real estate agents and sellers can use video calling apps such as FaceTime or Zoom on their phone to give you a walk-through of the home. It’s a great option for potential buyers in areas where in-person showings are currently restricted or for those who aren’t comfortable entering someone else’s home right now. During the tour, the agent will virtually guide you through each space, pointing out specific features and answering questions as you go along. “You’re going to get so much more information with a guided tour than you could ever get from a rendering or by taking a virtual tour by yourself,” says Rachel Stults, a housing expert at Realtor.com.

A couple looking at a digital tablet together in a home

Participating in a virtual home showing isn’t as simple as taking a virtual museum tour, for example, where you can just sit back and enjoy the view. There are a few things you should know ahead of time, including how to prepare and what to look for during the tour. These expert tips will help you make the most of your virtual home tour so your socially distanced homebuying experience runs as smoothly as possible.

1. Write down a list of must-haves.

As with a traditional home showing, knowing what you want going in can help ensure a successful tour. Scott Campbell, a real estate agent with RE/MAX United, suggests writing down a list of wants and needs beforehand. “That way, the agent can get through those concerns first, and you don’t have to worry about forgetting anything during the tour,” says Campbell. Your list could include requirements for the layout, such as a finished basement or a first-floor laundry room, as well as more cosmetic features you love like crown molding or hardwood floors.

2. Have a floor plan handy.

Trying to tour a new space via video can be confusing, as it’s often difficult to discern how rooms are oriented and connect. To help keep things straight, Stults suggests having a floor plan of the home handy so you can follow along during the tour. If available, the plan can also provide a reference for each room’s size and ceiling height. Consider printing out the floor plan ahead of time so you can make notes on the home’s layout if needed.

bathroom cabinet

3. Ask the agent to be your eyes, ears, and nose.

Apart from how the home looks, its sounds and smells are also crucial factors to consider, but these can be nearly impossible to detect over video. “On a video tour, you can’t smell if there are any strange odors, or you might not be able to hear the neighbor’s dog constantly barking outside,” Stults says. “These could be deal-breakers, so this is where it’s crucial to ask your agent to be your nose and ears for you.” Have the agent point out any squeaky floorboards, creaky cabinets, pet odors, musty basement smells, or other issues you might not be able to identify through a video call. You can also ask the agent to open up closets and cabinets, show you the view from windows, or zoom in on nooks and crannies, Stults says.

4. Gather critical details.

Whether conducted in person or virtually, a home showing is your opportunity to gather more specific information about the property that might not be included in the home’s listing. During your virtual tour, have a notepad and pencil on hand so you can jot down important details. Ask the agent for specifics, then make note of details such as where electrical outlets are located, the age or brand of appliances, and the type of lighting in each room.

5. Ask as many questions as you’d like.

Throughout your tour, don’t be shy about requesting more details. “You can ask as many questions as you need to in order to feel like you’ve got a good grasp of the space,” Stults says. Your agent will likely offer lots of important information upfront, but asking additional questions during the tour can help you create a fuller picture of the property without actually seeing it for yourself.

6. Tour the outside.

Don’t forget to ask to see the outdoor areas of the home. This includes the front and back yards, deck or patio space, and any outbuildings including garages and sheds. Check out the condition of the driveway, siding, roof, and other exterior elements, which could be expensive to replace. Make note of the existing landscaping, any concerns about lawn care needs, and if the property includes a pool or hot tub.

7. Be patient.

Conducting the home-buying process during a pandemic is a new challenge for both buyers and agents, so you can expect to experience some bumps along the road. “Being patient and understanding is key as we all get through these difficult times,” Campbell says. Try to remain patient throughout any technical difficulties, and know that the tour might take slightly longer than usual since you’ll likely be asking more questions. It might not be a perfectly seamless process, but a virtual tour can provide a safe home tour option for everyone involved.

Fire Safety for Kids

By Jacob Eastlick on October 1, 2020 0

A home fire is a devastating event, and one that you never count on happening. Your children are most at risk when this disaster occurs. In fact, children under five are twice as likely as other people to die in a home fire. Tragically, many home fires are started by children playing with dangerous household items – especially lighters and matches. Taking sensible precautions in the home and teaching your child how to escape from a fire can help your family avoid this type of heartbreak.

Prevent Your Child from Starting Fires

The U.S. Fire Administration estimates that 300 people are killed and $280 million in property is destroyed each year as the result of children playing with fire.

  • Keep matches, lighters and other ignitable substances in a secured location out of your child’s reach. Only use lighters with child-resistant features.
  • Invest in flameless candles. These candles contain a light bulb rather than an open flame, and take the danger out of your child knocking over a candle.
Help Your Child Survive a Fire
  • Install smoke alarms on every level of your home, inside bedrooms and outside sleeping areas. Purchase smoke alarms here.
  • Once a month check whether each alarm in the home is working properly by pushing the test button.
  • Replace batteries in smoke alarms at least once a year. Immediately install a new battery if an alarm chirps, warning the battery is low.
  • Teach your children what smoke alarms sound like and what to do when they hear one.
  • Ensure that all household members know two ways to escape from every room of your home, and where to meet up outside..
  • Practice your fire escape plan at least twice a year and at different times of the day. Practice waking up to smoke alarms, low crawling and meeting outside. Make sure everyone knows how to call 9-1-1.
  • Emphasize “get out, stay out.” Only professional firefighters should enter a building that is on fire—even if other family members, pets or prized possessions are inside.
  • Use quick-release devices on barred windows and doors. Security bars without release devices can trap you in a deadly fire. If you have security bars on your windows, be sure one window in each sleeping room has a release device.
  • Consider getting escape ladders for sleeping areas on the second or third floor. Learn how to use them, and store them near the windows.
  • Teach household members to STOP, DROP and ROLL if their clothes should catch on fire.
https://youtu.be/fhKD1CS8pcM
© 2020 The American National Red Cross

5 Reasons Why Having Life Insurance Is Good for You

By Jacob Eastlick on August 27, 2020 0

We get it: No one wants to think about death—for us or the ones we love. And a lot of people equate life insurance with death. And while it IS there if the worst were to happen, it can also do so many other things, and doesn’t have to break your budget while doing it. Check out these great reasons to consider life insurance:

1. It’s part of a sound financial plan.

Insufficient coverage has severe consequences for many families. Our 2019 Insurance Barometer found that four in 10 households without any life insurance would have immediate trouble paying living expenses if their primary wage earner died. Life insurance helps with planning for your loved ones’ long-term health and happiness, providing you with peace of mind that your loved ones are financially protected.

If someone would suffer financially when you die, you need life insurance just like you need a savings or checking account. The money from the policy’s death benefit can help your family meet many important financial needs like funeral costs, daily living expenses and college funding.

2. It’s not as expensive as you think.

Many consumers believe that life insurance is either too complicated or too expensive to consider, creating a barrier to ownership with only 57 percent of people owning life insurance in 2019. In actuality, life insurance is inexpensive and much more accessible that you think. For a healthy 30-year-old, for example, they can get a 20-year term life insurance policy with $250,000 of coverage for about $13 a month. When you break it down life that, it’s easier to budget for and less scary to think about.

3. It can build cash value over time.

Permanent life insurance has a cash value or cash-surrender value, which means it can build cash value over time in addition to providing a death benefit to your beneficiaries. Just like most retirement and tuition savings plans, cash values can accumulate on a tax-deferred basis and be used in the future for any purpose you wish—a down payment on a home, college tuition or even income for your retirement.

This can be a good option as the borrowing rates tend to be relatively low and it’s not dependent on credit checks or other restrictions. Keep in mind, though, you’re ultimately responsible for repaying any loan as set out, to make sure your beneficiary receives the death benefit you had envisioned for them.

4. Life insurance can be more than just life insurance.

Riders to a life insurance contract or a specific kind of policy, can enhance coverage. For example, you could have a life insurance policy, sometimes called a hybrid policy, that includes a long-term care benefit to pay for long-term care services. If this is something you need down the line, you can take advantage of it, otherwise there is a death benefit for your beneficiary. There are a number of different riders available that can help you customize and boost your coverage.

5. It can help maximize your retirement.

If the financial obligations you had when you first purchased a permanent life insurance policy have ended, your policy can take on a new life and benefit your retirement. Structured correctly, your policy can provide supplemental retirement income via policy loans and withdrawals or even options for long-term care benefits.

Life insurance can also maximize a pension by supplementing a surviving spouse’s income, or established into a life insurance trust to allow you to pass on to your heirs outside of your estate (often avoiding both estate and income taxes).

So, what are next-steps? Why not do a quick calculation to see how much life insurance you may need with our online Life Insurance Needs Calculator here. And then plan on talking to an insurance agents about your needs and budget—remember, they will help you free of charge with no obligation.

 

by Maggie Leyes | January 8, 2020 | Life Insurance

Maggie Leyes

Maggie Leyes

Maggie Leyes is Chief Creative Officer for Life Happens. She has been working in the insurance and financial services industry for more than 15 years.

8 smart steps for buying life insurance

By Jacob Eastlick on August 27, 2020 0

How to find coverage that meets your needs and budget

Life Insurance


IN THIS ARTICLE
  • 1. Determine whether you actually need life insurance
  • 2. Calculate how much life insurance you need
  • 3. Consider other objectives you may have for your life insurance
  • 4. Determine what type of life insurance best meets your needs
  • 5. Find out if you need to add any “riders” to the policy
  • 6. Shop around
  • 7. Decide whether to pay premiums annually
  • 8. Tell your beneficiaries about your life insurance policy

Life insurance can form a vital part of your family’s financial stability and well-being but, if you’re like most people, you may find the thought of shopping for the right type of coverage a little daunting. Fortunately, these eight simple steps can guide you along the way.

1. Determine whether you actually need life insurance

Most people do, but not everyone. If no one depends on you financially, if you have no debt and would leave an estate with enough cash to pay its own taxes and expenses, you probably don’t need life insurance. If you do not meet these criteria, you probably will need individual life insurance.

2. Calculate how much life insurance you need

There are two important questions to ask:

  • What financial resources will be available to survivors after your death? For simplicity, consider three categories of resources: (1) Social security and other retirement-related survivor benefits; (2) group life insurance; and (3) other assets and resources. It is also important to know when these resources will become available—for example, social security survivor benefits are payable immediately to a surviving spouse with dependent children, but only after age 60 if there are no children.
  • What financial needs will your survivors have after your death. For simplicity, consider three categories of requirements: (1) final expenses; (2) debts; and (3) income needs.

Then subtract your survivors’ financial resources (step #2) from their financial needs (step #3) to determine how large a policy to buy. Many people are underinsured, often because they skip these steps or take a shortcut (such as simply buying a multiple of annual income). For more help in determining the right amount of life insurance, see: How Much Life Insurance Do I Need?

3. Consider other objectives you may have for your life insurance

Some types of life insurance policies include a savings feature that can be used for purposes other than paying death benefits.

4. Determine what type of life insurance best meets your needs

Essentially, there are three types of life insurance policies—term life, whole life and universal life. If you need the insurance for only a specific period of time, or are on a limited budget, a term policy, which has lower premiums, may be a good fit. If, however, you need the insurance for as long as you live and want to accumulate savings, a whole or universal policy may be a better choice.

5. Find out if you need to add any “riders” to the policy

There are two that you should consider—waiver of premium and guaranteed insurability. Some policies come with one or both included with the basic contract but, if not, it is generally a good idea to add them. Waiver of premium pays the life insurance policy premium for you if you are disabled. Guaranteed insurability permits you to add to the death benefit without providing additional evidence that you are in acceptable health.

6. Shop around

There are many ways to save money when buying life insurance, but they don’t always entail paying a lower premium immediately. That said, life insurance is a very competitive business so quotes can vary significantly between companies.

7. Decide whether to pay premiums annually

In most cases, it is better to pay annually rather than in installments because there is often a relatively large additional charge for paying smaller amounts more frequently.

8. Tell your beneficiaries about your life insurance policy

Once the policy is issued, inform your beneficiaries the company that issued it, where to find the paper copy of the policy and any specifics about what you want them to do with the death benefit. While is rare for people to be unaware they are the beneficiary of a life insurance policy, it does happen and you want to make sure that the benefit will not go unclaimed. And store your documents so that they can be easily accessed by your beneficiaries.\

Published by: Insurance Information Institute

Staying Safe on Playgrounds

By Jacob Eastlick on July 29, 2020 0

According to the Consumer Product Safety Commission, each year, more than 200,000 children ages 14 and younger go to U.S. hospital emergency departments with injuries associated with playground equipment. More than 20,000 of these children are treated for a traumatic brain injury, including concussion.

As the weather warms up and trips to the park become frequent, take a moment to familiarize yourself with the risks on playgrounds and how you can prevent injuries.

Check for Playground Hazards

Nearly 80% of playground injuries are caused by falls. Watch out for these potential hazards when taking kids to the playground, and report any hazards observed.

Improper ground surfaces: Surfaces around playground equipment should have at least 12 inches of wood chips, mulch, sand or pea gravel, or mats made of safety-tested rubber or rubber-like materials. Playgrounds should be free of exposed concrete footings, rocks or tree stumps.

Overcrowded play areas: The area under and around play equipment should be a minimum of 6 feet in all directions while swing set areas should be twice the height of the suspending bar both in back and front of the swings. Structures more than 30 inches high should be at least 9 feet apart.

Unprotected elevated areas: Platforms higher than 30 inches should have guardrails or barriers.

Head entrapment spaces: Openings between rails, bars, rungs and even ropes of cargo nets should be less than 3 1/2 inches or more than 9 inches.

Sharp points and edges: Playground equipment should be free of protruding bolt ends, “S” hooks, and other sharp points and edges.

Visit the American Academy of Pediatrics webpage on playground safety to learn more.

Avoid Strangulation Hazards

The American Academy of Pediatrics cautions that children should not wear or play with anything that could get caught on equipment and become a strangulation hazard.

  • Never attach or allow children to attach ropes, jump ropes, clotheslines or pet leashes to play equipment
  • Leave sweatshirts with drawstrings and necklaces at home
  • Remove bike helmets when playing on the playground

Be Cautious of Too Much Sun Exposure

The National Program for Playground Safety reports that only 3% of public playgrounds assessed had full sun protection from 10 a.m. to 2 p.m., peak exposure hours, while 30% had partial shade. The remaining 67% of public playgrounds were exposed to full sun during the peak hours.

  • Limit playtime at peak sun exposure time and familiarize yourself with the signs of heat illnesses
  • Avoid burns; if playground equipment is hot to the touch, it is too hot for your child’s bare skin

Allow Only Age-Appropriate Activities

The Consumer Product Safety commission lists age-appropriate equipment in the Public Playground Safety Handbook. And remember, there is no substitute for parental supervision, especially for young children.

 

Originally posted by National Safety Council (NSC)

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