The last thing you want to do after 8 hours at work is stop in a crowded and loud big box store. That’s not the only reason to shop in locally owned stores. By and large, keeping your money in your community is the top reason for shopping local businesses.
written by CJ Puotinen
Every day, in hospitals, nursing homes, schools, libraries, assisted living homes, adult day programs, and in other facilities around the world, therapy animals brighten lives. They cheer up the lonely, help those undergoing medical procedures, pass the time, generate friendly conversations, and encourage patients to reach, stretch, walk, and move. Their presence reduces stress levels and blood pressure. In schools and libraries, they even help children read.
Because flood insurance is not covered by your standard homeowners policy, you will need to consult your insurance agent or mortgage professional to determine if it is required for your property.
If there is the possibility of a chance of flooding, it is wise to purchase a policy that covers the structure and your personal belongings.
Your lender may require flood insurance even if the property is not in a high-risk area, but instead in a moderate- to low-risk area. Claims that come from areas outside of mapped high-risk flood zones account for 20% of all claims. Keep in mind that during the life of the loan the maps may be revised and the property could be designated high-risk. Your lender will notify if the status changes and that you now must purchase flood insurance. With The Newly Mapped procedure, policyholders may purchase coverage at the lower-cost Preferred Risk Policy (PRP) rate for the first 12 months after new maps are drawn up. After the first year, the rate begins its transition to a full-risk rate with annual rate increases of no more than 18 percent each year.
Flood insurance can be purchased from an insurance agent or company under contract with the Federal Insurance Administration (FIA), part of the Federal Emergency Management Agency (FEMA). The local government has to have adopted adequate flood plain management regulations under the National Flood Insurance Program (NFIP) for flood insurance to be available.
The kids are heading back to school, the leaves are starting to turn and the weather is getting cooler. Yes, autumn has arrived, but the end of summer does not mean that your home décor has to suffer. Let's take a look at a few ways that you can brighten up your home and give it that warm, autumn feeling.
Summer may be the season for swimsuits and beachside barbecues, but it's also a great time to get your friends together for a party in your own backyard. Whether you're ready to show off your new home or are just looking for a good reason to celebrate the season, here are some ways to ensure your party is one that will make the summertime memorable.
The days are getting shorter, the temperature is dropping and the kids are heading back to school. The approach of autumn means that winter is just around the corner. The question is – is your home ready? Break out your checklist and let's run through five key maintenance tasks that will get your home prepared to face the winter.
It has never been more popular to abide by a green lifestyle and develop sustainable living practices that will help the planet. Fortunately, while you may be used to recycling cardboard boxes and giving away your clothes, there are probably a few household items you didn't even know you could recycle! If you're wondering what to do with some of your old, used items, here are a few things that may be ready for re-use.
Do you have a baby on the way? If so, you are likely already wondering how you are supposed to make your home safe from harm. The good news is that with a little work, you'll be able to make your house or apartment that much safer. Let's take a look at how you can child-proof your home in under a few hours.
In an age of rapidly changing technology, doing things like programming in temperature changes and monitoring your home security from afar are pretty par for the course. Fortunately, having a smarter home is even easier these days with Alexa, which was created by Amazon in 2014 as a smart home assistant. If you're looking for an instant home upgrade that will utilize the smart technology on the market, here's why Alexa might be a great option for you.