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Friday, December 19, 2014
What Should Be in an Emergency Survival Kit? | Disaster Preparedness Tips
What Should Be in an Emergency Survival Kit? | Disaster Preparedness Tips
What Should Be in an Emergency Survival Kit?
Preparing and keeping a fully stocked home emergency preparedness kit could be the key to your family’s safety if disaster strikes.
Natural disasters can't be prevented, but you can take charge of how you respond.
You can’t prevent disasters, but you can take charge of how you respond if you’re prepared. The first step is putting together an emergency preparedness kit.
What should go in an emergency kit? Here are the basics:
Your Most Important Papers
If a flood destroys your home, you could spend weeks or even months just trying to re-create the essential documents you’ll need to get back on track. That’s why it’s critical to have backups of important papers, such as:
The deed to your house.
Proof of insurance.
Medical records.
Passports.
Social security cards.
A list of personal contacts.
Keep one set at home in a portable case that you can grab quickly. Keep another in digital form — either on a secure website such as Dropbox or on a memory stick, or, even better, both. And while you’re at it, use the opportunity to check whether your insurance is up to date.
“People often don’t know what their homeowners insurance policy covers, and most don’t cover flooding,” points out Rick Bissell, Ph.D., a professor of emergency health services at the University of Maryland, Baltimore. Find out what hazards your area faces, and make sure you’re protected against them.Did You Know Regular Insurance Doesn’t Cover Flooding?
Basic Items for Survival
Water: One gallon per person per day for at least three days, for drinking and sanitation; double if you live in a very hot climate, have young kids, or are nursing. Bottled water is best, but you can also store tap water in food-grade containers or two-liter soda bottles that have been sanitized. Factor in your pet’s water needs, too.
Food: At least a three-day supply of non-perishables and a can opener. Pack protein, fruit, and vegetables, but make sure they’re in a form that stores easily, such as cereal bars and trail mix with dried fruit. Include some treats that have a long shelf life, such as Tootsie Rolls. Store food in pest-proof plastic or metal tubs and keep it in a cool, dry place.
Flashlights and extra batteries: “Candles are not recommended because there are many house fires caused by candles left unattended,” says David Riedman, a public affairs officer with FEMA.Battery-operated radio: Red Cross radios are available at multiple retailers and online.
First-Aid Supplies:
Two pairs of sterile gloves
Adhesive bandages and sterile dressings
Soap or other cleanser
Antibiotic towelettes and ointment
Burn ointment
Eye wash
Thermometer
Scissors
Tweezers
Petroleum jelly
Aspirin or non-aspirin pain reliever
Stomach analgesics such as Tums, Pepto-Bismol
Laxative
Sanitation and Hygiene Supplies:
Moist towelettes
Paper towels
Toilet paper
Garbage bags
Plastic ties
Shampoo
Toothpaste and toothbrush
Deodorant
Additional Items:
Plastic sheeting, duct tape, and dust masks — in case you need to seal your home or shelter from airborne contaminants
A whistle to signal for help
Toys or other comfort items for kids
Cash
Update your kit as your needs change, and replace food and water approaching its expiration date. You might pick a specific time each year to check, such as before hurricane season in the south or after Thanksgiving if you live in the north.
Read more: http://www.houselogic.com/home-advice/emergency-preparedness/emergency-preparedness-kit/#ixzz3MMff7TUc
courtesy of #JillBerni #RealtorinElDoradoHills :
Discover Your Perfect Home
What Should Be in an Emergency Survival Kit?
Preparing and keeping a fully stocked home emergency preparedness kit could be the key to your family’s safety if disaster strikes.
Natural disasters can't be prevented, but you can take charge of how you respond.
You can’t prevent disasters, but you can take charge of how you respond if you’re prepared. The first step is putting together an emergency preparedness kit.
What should go in an emergency kit? Here are the basics:
Your Most Important Papers
If a flood destroys your home, you could spend weeks or even months just trying to re-create the essential documents you’ll need to get back on track. That’s why it’s critical to have backups of important papers, such as:
The deed to your house.
Proof of insurance.
Medical records.
Passports.
Social security cards.
A list of personal contacts.
Keep one set at home in a portable case that you can grab quickly. Keep another in digital form — either on a secure website such as Dropbox or on a memory stick, or, even better, both. And while you’re at it, use the opportunity to check whether your insurance is up to date.
“People often don’t know what their homeowners insurance policy covers, and most don’t cover flooding,” points out Rick Bissell, Ph.D., a professor of emergency health services at the University of Maryland, Baltimore. Find out what hazards your area faces, and make sure you’re protected against them.Did You Know Regular Insurance Doesn’t Cover Flooding?
Basic Items for Survival
Water: One gallon per person per day for at least three days, for drinking and sanitation; double if you live in a very hot climate, have young kids, or are nursing. Bottled water is best, but you can also store tap water in food-grade containers or two-liter soda bottles that have been sanitized. Factor in your pet’s water needs, too.
Food: At least a three-day supply of non-perishables and a can opener. Pack protein, fruit, and vegetables, but make sure they’re in a form that stores easily, such as cereal bars and trail mix with dried fruit. Include some treats that have a long shelf life, such as Tootsie Rolls. Store food in pest-proof plastic or metal tubs and keep it in a cool, dry place.
Flashlights and extra batteries: “Candles are not recommended because there are many house fires caused by candles left unattended,” says David Riedman, a public affairs officer with FEMA.Battery-operated radio: Red Cross radios are available at multiple retailers and online.
First-Aid Supplies:
Two pairs of sterile gloves
Adhesive bandages and sterile dressings
Soap or other cleanser
Antibiotic towelettes and ointment
Burn ointment
Eye wash
Thermometer
Scissors
Tweezers
Petroleum jelly
Aspirin or non-aspirin pain reliever
Stomach analgesics such as Tums, Pepto-Bismol
Laxative
Sanitation and Hygiene Supplies:
Moist towelettes
Paper towels
Toilet paper
Garbage bags
Plastic ties
Shampoo
Toothpaste and toothbrush
Deodorant
Additional Items:
Plastic sheeting, duct tape, and dust masks — in case you need to seal your home or shelter from airborne contaminants
A whistle to signal for help
Toys or other comfort items for kids
Cash
Update your kit as your needs change, and replace food and water approaching its expiration date. You might pick a specific time each year to check, such as before hurricane season in the south or after Thanksgiving if you live in the north.
Read more: http://www.houselogic.com/home-advice/emergency-preparedness/emergency-preparedness-kit/#ixzz3MMff7TUc
courtesy of #JillBerni #RealtorinElDoradoHills :
Discover Your Perfect Home
The most accurate and complete home search on the Web
Tuesday, December 16, 2014
Some Flight Travel Tips for Frequent (and Not-So-Frequent) Fliers
Some Flight Travel Tips for Frequent (and Not-So-Frequent) Fliers
For the last 45 years or so, I've traveled fairly extensively - I've
been to over 100 countries for work and pleasure and racked up millions
of miles along the way. However, the last decade and a half has been
especially challenging; I don't have to tell most of you that. Along the
way, through trial and error, I've developed some travel techniques and
disciplines which have cut down on unnecessary time, cost and stress
that I'd like to share with you. I apologize for the length of this
post, but I think the tips will prove valuable to most of you.
Whether
you travel for business or pleasure, the cost of your ticket seems to
be the primary concern for most travelers. However, especially within
the last 8-10 years or so, the aspect of flying comfort seems to be
creeping up to a close "number two" in flying priority.
Everybody
complains about not having enough leg room and, if you're a big person,
personal space for working and eating becomes a concern, as well. This
post won't contain tips on ticket purchases, upgrades and the like
(perhaps at a later date), but I will talk about what you can do to make
whatever class you're flying in much more comfortable and easier
overall.
PACKING FOR YOUR TRIP
This
may surprise you, but if you fly a lot, you just hate to pack things
you may not need. And, in today's travel environment, if you can fly
without having to check a bag or three, that will not only save you a
lot of cash, it will save you time collecting your bags from the
carousel and the hassle of carrying them or tipping someone to watch
over them for you.
No matter where I go in the world and
irrespective of the length of my trip, I NEVER take more than a regular
carry-on suitcase and a backpack for my electronics gear. The latter
first: Don't you get tired of having to go through the TSA security
line? Don't you hate it when, let's say, you're traveling from Athens to
New York, with a stop to change planes in Amsterdam, and you have to go
through security a second time? Not only that - say your final
destination is Houston and you may be asked to take your bags through
yet another security checkpoint in New York AFTER you go through
Customs? That's fun, huh?
That's why I put EVERYTHING I have to unpack to go in the conveyor bins at security in a backpack: computer, smart phone, cords, adapters...AND the little quart-sized clear plastic bag for liquids.
Do it all! Just empty your backpack into a couple of those grey
conveyor trays so you don't have to worry about opening your other
carry-on bag.
Now the carry-on itself. I ONLY pack enough stuff to
get me through two days at my destination. Here's the trick: Take with
you clothes and supplies you need for that first couple of days and buy a
suit or two (ladies - perhaps a business outfit or two) and the
incidentals you need at your destination WHEN YOU GET to your
destination. It'll take a little more planning the first time you do it
but, if you make it a habit, it will become second nature for each
successive trip.
I'm not saying that travelers should be made of
money. It's just that, with proper planning and budgeting, you can pick
up a nice bespoke suit in Hong Kong in February (perhaps you were going
to get one anyway in March in your hometown of LA?). And ladies, get
those new Jimmy Choo's in a Paris wholesaler and save a ton of moolah.
Planning.
I always try to travel comfortably - slip on shoes,
cargo pants or shorts with lots of pockets, and so on. And, if there are
old clothes I've been planning to toss at the next opportunity, make
that opportunity your next trip! This is a good way to get rid of those
old skivvies, socks, shoes, and the like.
Another tip: You can get
up to THREE TIMES MORE CLOTHES into your carry-on bag by putting them
into a vacuum bag or two and vacuum-compressing the air out of the bags.
You'll be surprised what you can get into a 21" X 13" X 10" bag (max.
sizes differ depending on airlines).
Finally, plan to ship back as
much of your "stuff" as possible at the end of your trip so you don't
have to carry it back on the plane or, worse, check a bag. Do it FedEx -
it isn't that expensive. There are a few companies who will actually
take your suitcases and ship them back to you on an earlier flight, so
that they'll be home waiting for you - but I find these services
expensive and untrustworthy, at least at this time. Perhaps they'll get
better.
CHECK-IN AND SECURITY
I
always get to the airport early. Not because I like the food or the
ambiance, but so I can go through my "rituals." Since I only am taking a
carry-on bag and a backpack, I don't have to check anything. But I will
get in a "check-in" line to ask for earlier flights and/or free
upgrades. If you get to the airport say, 2 1/2 hours early, there's a
good chance you may be able to snag an earlier flight or a free upgrade
to Business or First Class. I find that one of these things happens
about 40% of the time for me, enough so that I will invest some time
checking them out.
Another thing you can do is buy some miles from your carrier for an upgrade. In
many cases - not all, but many - the money you pay to buy miles is
actually less than the difference in money it would have taken to get a
higher class ticket in the first place! At any rate, start
doing these things to develop a habit - practice talking to the counter
rep; you'll find that she is a wealth of information and, over time,
you'll score some goodies.
The next thing is going through the
security line. For Pete's sake, invest in some slip on shoes, metal-free
belt, and a change purse for your loose change. Besides the tip with
the electronics I outlined above, this will save you some time...and a
lot of needless movement. (You'll be surprised how tired you can get
just by the stress and needless activity you put yourself through on
your flight. I mean, jet lag will be enough; don't add to your misery.)
The
last thing about security: take clothes with you that can be folded
tightly - preferably without wrinkling. That way, you can take whatever
outerwear you've got on and put it into your carry-on BEFORE you go
through the security line.
When you get to the gate, ask the
counter person to go through the exercise again for upgrades - more
people have checked in by that point, and the airline staff have a
better handle on possible vacancies. Remember, if you don't ask for
"free," they probably won't offer you "free."
Finally, when they
are ready to board the plane, this is the time to develop a limp. Only
once in my entire life have I ever been denied early boarding because of
an affliction - real or perceived. Now, you're probably saying to
yourself: "Oh, YOU'RE the guy who does that, eh?" Yeah, I'm "the guy."
But here is why I do it. When the airlines started charging for checked
bags, people started bringing more crapola onto the flight with them.
And the airlines do a lousy job of enforcing their own guidelines. I
want to: A. make sure I get an overhead bin for my carry-on next to me
and, B. get into my seat and get arranged before the masses flood in. I
may even ask the attendant for a scotch at that point.
THE ACTUAL FLIGHT
So,
here you are - somewhat refreshed, relieved to be in your seat and
having a place for your stuff, and listening to your iPod while the
sweaty masses are pushing and shoving by you. When they finally get
seated and you, sitting on the aisle, can finally stretch out a little,
look around for a more preferable empty seat. In this day and age it
will be rare to find one; not too many flights have empty seats anymore.
But you may find one. And NOBODY will stop you from asking (yet again)
if there are any "empties" in Business or First Class. Yes, even then
they will move you if they have a vacancy!
Once you're up in the
air, and before they start the drink service, go back to the pantry and
ask an attendant for a few bottles of water. They will give them to you.
If you get any pushback, say you need them for "your medicine." You're
not lying! You suddenly developed a headache, is all.
Hopefully,
you've had the foresight to bring with you some disposable cleansing
cloths for your hands and face. Those bathrooms are horrible and you
will get sick. Believe me. It will happen. Rule of thumb: Anything that
anybody else touches more than once you want something to clean it. And
that includes the magazines, the tray tables, you get the message.
Finally,
I alluded to the "aisle seat." Get used to getting that seat,
especially for long flights. You may be one of those rare people who
don't care if they need something from the overhead bin for ten hours,
or perhaps you're Mother Teresa in disguise and will let everybody off
the plane when it lands - before you. I think not. But you will learn to
love and embrace the aisle seat for these and other little blessings.
That's just the way it is.
MISCELLANY
I
know I said I wouldn't talk about tickets and their acquisition, but
one tip here: On trips where you MUST make connections, try to book
tickets which make the layovers at least two hours (2 1/2 hours
internationally); let me tell you why. Many flights are late and,
consequently, you don't want to test your new pacemaker by running like a
madman between gates. And, like I iterated before, you may have an
another unexpected round of security or passport check during your
layover. But most importantly (and unfortunately, this is yet another
added downside to traveling nowadays) many flights are cancelled with no
advance notice. If your connecting flight is one of them, it would be
nice to have a little extra time to rebook another flight.
Tip:
Always have in your list of "Favorite Phone Numbers" your customer
service numbers for your carrier or carriers. And keep in mind that
rebooking numbers are NOT ALWAYS THE SAME as the regular customer
service numbers.
So, I hope I've imparted a little knowledge here.
I fly about once a month, maybe every two months, depending on who
needs me where. I will tell you that I upgrade about 40% of the time,
most of that for no extra cash. And, even after all these years of
travel, I STILL look better than the 30 year old couple with two
screaming kids, a twin baby carriage and diaper bags.
...courtesy of #JillBerni
For the last 45 years or so, I've traveled fairly extensively - I've
been to over 100 countries for work and pleasure and racked up millions
of miles along the way. However, the last decade and a half has been
especially challenging; I don't have to tell most of you that. Along the
way, through trial and error, I've developed some travel techniques and
disciplines which have cut down on unnecessary time, cost and stress
that I'd like to share with you. I apologize for the length of this
post, but I think the tips will prove valuable to most of you.
Whether
you travel for business or pleasure, the cost of your ticket seems to
be the primary concern for most travelers. However, especially within
the last 8-10 years or so, the aspect of flying comfort seems to be
creeping up to a close "number two" in flying priority.
Everybody
complains about not having enough leg room and, if you're a big person,
personal space for working and eating becomes a concern, as well. This
post won't contain tips on ticket purchases, upgrades and the like
(perhaps at a later date), but I will talk about what you can do to make
whatever class you're flying in much more comfortable and easier
overall.
PACKING FOR YOUR TRIP
This
may surprise you, but if you fly a lot, you just hate to pack things
you may not need. And, in today's travel environment, if you can fly
without having to check a bag or three, that will not only save you a
lot of cash, it will save you time collecting your bags from the
carousel and the hassle of carrying them or tipping someone to watch
over them for you.
No matter where I go in the world and
irrespective of the length of my trip, I NEVER take more than a regular
carry-on suitcase and a backpack for my electronics gear. The latter
first: Don't you get tired of having to go through the TSA security
line? Don't you hate it when, let's say, you're traveling from Athens to
New York, with a stop to change planes in Amsterdam, and you have to go
through security a second time? Not only that - say your final
destination is Houston and you may be asked to take your bags through
yet another security checkpoint in New York AFTER you go through
Customs? That's fun, huh?
That's why I put EVERYTHING I have to unpack to go in the conveyor bins at security in a backpack: computer, smart phone, cords, adapters...AND the little quart-sized clear plastic bag for liquids.
Do it all! Just empty your backpack into a couple of those grey
conveyor trays so you don't have to worry about opening your other
carry-on bag.
Now the carry-on itself. I ONLY pack enough stuff to
get me through two days at my destination. Here's the trick: Take with
you clothes and supplies you need for that first couple of days and buy a
suit or two (ladies - perhaps a business outfit or two) and the
incidentals you need at your destination WHEN YOU GET to your
destination. It'll take a little more planning the first time you do it
but, if you make it a habit, it will become second nature for each
successive trip.
I'm not saying that travelers should be made of
money. It's just that, with proper planning and budgeting, you can pick
up a nice bespoke suit in Hong Kong in February (perhaps you were going
to get one anyway in March in your hometown of LA?). And ladies, get
those new Jimmy Choo's in a Paris wholesaler and save a ton of moolah.
Planning.
I always try to travel comfortably - slip on shoes,
cargo pants or shorts with lots of pockets, and so on. And, if there are
old clothes I've been planning to toss at the next opportunity, make
that opportunity your next trip! This is a good way to get rid of those
old skivvies, socks, shoes, and the like.
Another tip: You can get
up to THREE TIMES MORE CLOTHES into your carry-on bag by putting them
into a vacuum bag or two and vacuum-compressing the air out of the bags.
You'll be surprised what you can get into a 21" X 13" X 10" bag (max.
sizes differ depending on airlines).
Finally, plan to ship back as
much of your "stuff" as possible at the end of your trip so you don't
have to carry it back on the plane or, worse, check a bag. Do it FedEx -
it isn't that expensive. There are a few companies who will actually
take your suitcases and ship them back to you on an earlier flight, so
that they'll be home waiting for you - but I find these services
expensive and untrustworthy, at least at this time. Perhaps they'll get
better.
CHECK-IN AND SECURITY
I
always get to the airport early. Not because I like the food or the
ambiance, but so I can go through my "rituals." Since I only am taking a
carry-on bag and a backpack, I don't have to check anything. But I will
get in a "check-in" line to ask for earlier flights and/or free
upgrades. If you get to the airport say, 2 1/2 hours early, there's a
good chance you may be able to snag an earlier flight or a free upgrade
to Business or First Class. I find that one of these things happens
about 40% of the time for me, enough so that I will invest some time
checking them out.
Another thing you can do is buy some miles from your carrier for an upgrade. In
many cases - not all, but many - the money you pay to buy miles is
actually less than the difference in money it would have taken to get a
higher class ticket in the first place! At any rate, start
doing these things to develop a habit - practice talking to the counter
rep; you'll find that she is a wealth of information and, over time,
you'll score some goodies.
The next thing is going through the
security line. For Pete's sake, invest in some slip on shoes, metal-free
belt, and a change purse for your loose change. Besides the tip with
the electronics I outlined above, this will save you some time...and a
lot of needless movement. (You'll be surprised how tired you can get
just by the stress and needless activity you put yourself through on
your flight. I mean, jet lag will be enough; don't add to your misery.)
The
last thing about security: take clothes with you that can be folded
tightly - preferably without wrinkling. That way, you can take whatever
outerwear you've got on and put it into your carry-on BEFORE you go
through the security line.
When you get to the gate, ask the
counter person to go through the exercise again for upgrades - more
people have checked in by that point, and the airline staff have a
better handle on possible vacancies. Remember, if you don't ask for
"free," they probably won't offer you "free."
Finally, when they
are ready to board the plane, this is the time to develop a limp. Only
once in my entire life have I ever been denied early boarding because of
an affliction - real or perceived. Now, you're probably saying to
yourself: "Oh, YOU'RE the guy who does that, eh?" Yeah, I'm "the guy."
But here is why I do it. When the airlines started charging for checked
bags, people started bringing more crapola onto the flight with them.
And the airlines do a lousy job of enforcing their own guidelines. I
want to: A. make sure I get an overhead bin for my carry-on next to me
and, B. get into my seat and get arranged before the masses flood in. I
may even ask the attendant for a scotch at that point.
THE ACTUAL FLIGHT
So,
here you are - somewhat refreshed, relieved to be in your seat and
having a place for your stuff, and listening to your iPod while the
sweaty masses are pushing and shoving by you. When they finally get
seated and you, sitting on the aisle, can finally stretch out a little,
look around for a more preferable empty seat. In this day and age it
will be rare to find one; not too many flights have empty seats anymore.
But you may find one. And NOBODY will stop you from asking (yet again)
if there are any "empties" in Business or First Class. Yes, even then
they will move you if they have a vacancy!
Once you're up in the
air, and before they start the drink service, go back to the pantry and
ask an attendant for a few bottles of water. They will give them to you.
If you get any pushback, say you need them for "your medicine." You're
not lying! You suddenly developed a headache, is all.
Hopefully,
you've had the foresight to bring with you some disposable cleansing
cloths for your hands and face. Those bathrooms are horrible and you
will get sick. Believe me. It will happen. Rule of thumb: Anything that
anybody else touches more than once you want something to clean it. And
that includes the magazines, the tray tables, you get the message.
Finally,
I alluded to the "aisle seat." Get used to getting that seat,
especially for long flights. You may be one of those rare people who
don't care if they need something from the overhead bin for ten hours,
or perhaps you're Mother Teresa in disguise and will let everybody off
the plane when it lands - before you. I think not. But you will learn to
love and embrace the aisle seat for these and other little blessings.
That's just the way it is.
MISCELLANY
I
know I said I wouldn't talk about tickets and their acquisition, but
one tip here: On trips where you MUST make connections, try to book
tickets which make the layovers at least two hours (2 1/2 hours
internationally); let me tell you why. Many flights are late and,
consequently, you don't want to test your new pacemaker by running like a
madman between gates. And, like I iterated before, you may have an
another unexpected round of security or passport check during your
layover. But most importantly (and unfortunately, this is yet another
added downside to traveling nowadays) many flights are cancelled with no
advance notice. If your connecting flight is one of them, it would be
nice to have a little extra time to rebook another flight.
Tip:
Always have in your list of "Favorite Phone Numbers" your customer
service numbers for your carrier or carriers. And keep in mind that
rebooking numbers are NOT ALWAYS THE SAME as the regular customer
service numbers.
So, I hope I've imparted a little knowledge here.
I fly about once a month, maybe every two months, depending on who
needs me where. I will tell you that I upgrade about 40% of the time,
most of that for no extra cash. And, even after all these years of
travel, I STILL look better than the 30 year old couple with two
screaming kids, a twin baby carriage and diaper bags.
...courtesy of #JillBerni
Tuesday, December 9, 2014
So, here is what I believe predicts who will be rich. The one sign you will be…
So, here is what I believe predicts who will be rich.
So, here is what I believe predicts who will be rich.
The one sign you will be rich is that you work harder than everyone else.
Whether
your riches are measured in friendships, fitness, talent, or money,
those who have an abundance, get it by working harder to secure it.
There
is often a backlash against working hard to secure wealth — some may
call you a workaholic or a perfectionist. Some may despise your
inability to set "work/life" boundaries. And others may still wonder
when you will take a "real" vacation. But there is no other way to be
great and fully rewarded.
“Don’t let the skeptics fool you, winners just work harder than others think is possible (or want to themselves).”
But
it’s not a winner-take-all equation — we all want different kinds of
wealth. But those who do work harder are rewarded proportionally and
realize these additional benefits:
So, here is what I believe predicts who will be rich.
The one sign you will be rich is that you work harder than everyone else.
Whether
your riches are measured in friendships, fitness, talent, or money,
those who have an abundance, get it by working harder to secure it.
There
is often a backlash against working hard to secure wealth — some may
call you a workaholic or a perfectionist. Some may despise your
inability to set "work/life" boundaries. And others may still wonder
when you will take a "real" vacation. But there is no other way to be
great and fully rewarded.
“Don’t let the skeptics fool you, winners just work harder than others think is possible (or want to themselves).”
But
it’s not a winner-take-all equation — we all want different kinds of
wealth. But those who do work harder are rewarded proportionally and
realize these additional benefits:
Thursday, December 4, 2014
November 2014 Newsletter Housing Trends eNewsletter
Welcome to the most current Housing Trends eNewsletter. This eNewsletter is specially designed for you, with national and local housing information that you may find useful whether you’re in the market for a home, thinking about selling your home, or just interested in homeowner issues in general.The Housing Trends eNewsletter contains the latest information from the National Association of REALTORS®, the U.S. Census Bureau and Realtor.org reports, videos, key market indicators and real estate sales statistics, a video message by a nationally recognized economist, maps, mortgage rates and calculators, consumer articles, plus local neighborhood information and more.
Please click here to view the November 2014 Newsletter Housing Trends eNewsletter.
If you are interested in determining the value of your home, click the Home Evaluator link for a free evaluation report.
http://www.blogger.com/profile/09986376762532817605
Meet Local Real Estate Broker,Jill Berni
Monday, June 2, 2014
10 things home inspectors won't tell you 10 things - StumbleUpon
10 things home inspectors won't tell you 10 things - StumbleUpon
10 Things Home Inspectors Won’t Tell You !
1. The house is fine, but I could make it look bad...
As the housing market recovers, more buyers and sellers are getting reintroduced to one of the most nerve-racking rituals in real estate: the home inspection.
An inspection, which usually occurs after a buyer has made an offer, is meant to be an objective analysis of a home’s condition. Local Broker, Jill Berni
Twenty years ago, 75% of purchased homes were inspected; today, it’s 95%, according to Bill Loden, president of the American Society of Home Inspectors, a Des Plaines, Ill.-based industry trade group.
Inspections aren’t a big financial burden: A review of a 2,000 square foot home typically costs around $450, with the buyer footing the bill. But what can make an inspection so stressful is that a long list of trouble signs, without proper explanation, can sabotage a deal. And real estate pros complain that some of the inspectors themselves are overzealous. Many of the nation’s 25,000 inspectors used to work in construction, or still do, and their expertise can lead them to bombard buyers with encyclopedic lists of minor problems.
What Home Inspectors Don't Tell You...
A home inspection should be an objective analysis of the condition of a home that hopefully minimizes surprises or big repair bills for both sides down the line. In reality, it’s one of the most nerve-racking experiences in the real estate process. MarketWatch's Daniel Goldstein offers tips on Lunch Break.
A thorough pro will look at the foundation and the framing to make sure nothing is cracked, warped or rotting, and examine the roof for problems with shingles and gutters. Inspectors should also look for plumbing leaks and make sure the water heater, wiring, heating systems and fireplaces are safe.
So what constitutes going too far? A less helpful inspector might dwell on things like surface mold, chipped paint or other superficial problems, or present buyers with a long litany of issues, with no context about their relative importance and no estimate of the cost of fixing them.
The trick is finding an inspector who can relay the critical information and put it in context, says Dave Moersen, of HomeCheck Home Inspectors in Gaithersburg, Md., who’s a veteran of more than 4,500 home inspections. “I used to think this job was 95% technical knowledge and 5% communication, but now I think it’s the other way around,” says Moersen. “Homeowners just want answers.”
Bohdan Mastykaz, a Reddin real-estate agent in Miami, says the best inspectors take pictures and include them in their report to the buyer: “Pictures make everything black and white, and it’s far less subjective that way.” courtesy of local Broker #JillBerni
24Hr recorded message gives details: 866 866 6662 ext.1234
1. The house is fine, but I could make it look bad...
As the housing market recovers, more buyers and sellers are getting reintroduced to one of the most nerve-racking rituals in real estate: the home inspection.
An inspection, which usually occurs after a buyer has made an offer, is meant to be an objective analysis of a home’s condition. Local Broker, Jill Berni
Twenty years ago, 75% of purchased homes were inspected; today, it’s 95%, according to Bill Loden, president of the American Society of Home Inspectors, a Des Plaines, Ill.-based industry trade group.
Inspections aren’t a big financial burden: A review of a 2,000 square foot home typically costs around $450, with the buyer footing the bill. But what can make an inspection so stressful is that a long list of trouble signs, without proper explanation, can sabotage a deal. And real estate pros complain that some of the inspectors themselves are overzealous. Many of the nation’s 25,000 inspectors used to work in construction, or still do, and their expertise can lead them to bombard buyers with encyclopedic lists of minor problems.
What Home Inspectors Don't Tell You...
A home inspection should be an objective analysis of the condition of a home that hopefully minimizes surprises or big repair bills for both sides down the line. In reality, it’s one of the most nerve-racking experiences in the real estate process. MarketWatch's Daniel Goldstein offers tips on Lunch Break.
A thorough pro will look at the foundation and the framing to make sure nothing is cracked, warped or rotting, and examine the roof for problems with shingles and gutters. Inspectors should also look for plumbing leaks and make sure the water heater, wiring, heating systems and fireplaces are safe.
So what constitutes going too far? A less helpful inspector might dwell on things like surface mold, chipped paint or other superficial problems, or present buyers with a long litany of issues, with no context about their relative importance and no estimate of the cost of fixing them.
The trick is finding an inspector who can relay the critical information and put it in context, says Dave Moersen, of HomeCheck Home Inspectors in Gaithersburg, Md., who’s a veteran of more than 4,500 home inspections. “I used to think this job was 95% technical knowledge and 5% communication, but now I think it’s the other way around,” says Moersen. “Homeowners just want answers.”
Bohdan Mastykaz, a Reddin real-estate agent in Miami, says the best inspectors take pictures and include them in their report to the buyer: “Pictures make everything black and white, and it’s far less subjective that way.” courtesy of local Broker #JillBerni
24Hr recorded message gives details: 866 866 6662 ext.1234
Wednesday, February 5, 2014
Jill Berni Sells Luxury Homes in El Dorado County and Sacramento County ...
Jill Berni Real Estate Agent in El Dorado Hills
As Owner/Broker of OakTree Home & Loan, I set the standards for
making sure that all our Professional Full Time Realtors® follow the
proven steps to sell your home for the most money "You can't bring her a
Problem that she hasn't Solved before"
ReSale Dept: 24Hr recorded message gives details:
1 866 866 6662 x1234
The Extensive Preparation Before I Meet With You to List Your Home:
Relocation Dept: 24/7 1 866 866 6662 x2222
Thursday, April 8, 2010
JILL BERNI - El Dorado Hills Blvd, El Dorado Hills, CA 95762 on Yahoo! Local
This Time Arm Yourself With ALL the Information Necessary to make an Informed decision:
courtesy of JILL Berni
Celebrating 30 years of Customer Service
Review: How Stuff Works.com
courtesy of JILL Berni
Celebrating 30 years of Customer Service
Review: How Stuff Works.com
Real Estate library
Buying or selling a home is a big move and can be stressful. We have tips and in-depth articles on everything from mortgages to home equity loans.
Articles 1-20 of 54
10 First-time Homebuyer Mistakes
Buying your first home can be a dream come true, but it can quickly turn into a nightmare. Realistic planning is key to avoiding the pitfalls that await first-time homebuyers.
See more » 10 Things First-time Homebuyers Want, but Don't Need
So, you're in the car rolling along and you see it, your dream house. While you may not be able to afford everything on your wish list, you will want a few amenities you've been yearning for. But do you really need them?
See more » 10 Things to Do When You Arrive at Your New Home
Your friends are meeting you to help unload the truck and arrange furniture. But what else do you need to do when you arrive at your new home?
See more » 10 Things You Should Do Two Months Before a Move
Moving pretty much always takes longer than you think it's going to take. So, be smart and plan ahead. There's lots of packing and organizing you can get out of the way two months in advance of your move.
See more » 10 Tips for Hiring a Professional Mover
You're standing at your new house and all of your things are locked inside a truck out front. The movers piled a bunch of extra charges onto your bill, and they're holding your stuff hostage until you pay up. What could you have done to prevent this?
See more » 10 Tips for Managing a Moving Sale
The big move is only a few months away. As you look around your home, you can't help but wonder how you accumulated so much stuff. You don't have to take it all with you -- you can have a yard sale.
See more » 10 Tips for Moving with Children
You've accepted the promotion and narrowed down the list of potential new homes, and you'll be moving soon. Now comes the hardest part -- planning the move and telling the kids. What can you do to make the move as anxiety-free as possible?
See more » 10 Tips for Packing
Is there an art to packing a box? Yes. Is there a strategy for labeling and organizing those boxes? Yes. Is there a good reason you should pack two months in advance. Yes. Find out more in this article.
See more » 5 Difficult Things to Move
Moving hurts. A long day of schlepping boxes from one home to another will definitely make your muscles ache. But certain items are especially difficult to move.
See more » 5 Moving Day Tips
Moving day is exciting, but it can also be stressful. There's a lot to do, and you want it all to run smoothly. What can you do to make moving day a breeze?
See more » 5 Questions You Should Ask Your Realtor
Buying or selling a home can be stressful, but choosing the right real estate agent can reduce the hassle. Proper interviewing will help you find one who sees you as more than just a fat paycheck.
See more » 5 Things You Should Do One Month Before You Move
One month before your move is crunch time. During this month, you'll start to pack up the stuff you use more often, leaving out the absolute essentials to the end of the month, right before your move.
See more » 5 Things You Should Do One Week Before You Move
But no matter how much preparation you do during the two months before your moving day, there are still certain tasks that just have to be left for the last week. What are they?
See more » 5 Tips for Moving Pets
A move is rough on pets, especially if it involves flying. But your pet's comfort isn't the only thing to consider. Does the county, state or country to which you're moving have special laws related to pets? Will you have to quarantine your pet?
See more » 5 Tips for Moving Plants
Moving your plants from one house to another should be pretty simple, right? However, it's not that straightforward. What kinds of things should you consider when moving plants?
See more » 5 Tips for Planning a Move
Whatever the reason for your move, getting everything you own from one home to another can be difficult to orchestrate. So rather than just play it by ear, it's a good idea to make a solid plan well in advance of your move.
See more » 5 Tips for Settling In to a New Town
All your stuff is finally at the new house and most of it is unpacked. So your house is starting to feel homey, but you're not quite as at home in your new town. What can you do to fix that?
See more » Can you buy your first home with bad credit?
Whereas a few years ago you could get a subprime loan without much trouble, the mortgage mess has led to a lot more caution in the way home loans are approved these days. If you're credit needs work, owning a home may be a distant dream.
See more » Can you trade in your house like you can trade in your car?
In today's sluggish real estate market, people are finding new and creative ways to sell their houses. Some are even turning to an automotive deal to unload their house: the trade-in.
See more » Dollars and Sense: House Buying Quiz
Buying a home can be both thrilling and frustrating, but knowing how the process works beforehand will give you a leg up in your search. Take the House Buying Quiz to see how much you know.
See more » How Stuff Works ReviewsMonday, April 5, 2010
Folsom El Dorado Newsletter
My Real EstateDigest
courtesy of JILL BERNI, Realtor in El Dorado Hills,Ca.
The effects of the so-called ‘Strategic Foreclosures’ are the wild card for housing in 2010-2012. Millions of homeowners are now upside down in their homes. There are many reasons to believe that their homes will remain ‘under water’ for years to come. In mid-2008 it was reported that the short sales realtors were closing had largely been on behalf of sellers who were choosing to do a strategic d
short-sale « WordPres... • 1 hour ago
There is a potential to save thousands of dollars but time is running out. If you're thinking of taking advantage of the government's homebuyer tax credits you must have a contract to purchase a home by the end of this month.
Seattle *real estate* news ... • 3 hours ago
Yes, however an advocate who is trained in extracting useful information from you and then applying it in discussions with a lending institution with which there is already an established relationship is where the difference is made. A lender is less likely to modify the terms of the contract with a person that has had problems before and who has not had everything reviewed by legal counsel. Revie
mortgage-modification &laqu... • 6 hours ago
El dorado Hills
The effects of the so-called ‘Strategic Foreclosures’ are the wild card for housing in 2010-2012. Millions of homeowners are now upside down in their homes. There are many reasons to believe that their homes will remain ‘under water’ for years to come. In mid-2008 it was reported that the short sales realtors were closing had largely been on behalf of sellers who were choosing to do a strategic d
short-sale « WordPress.com Tag Feed • • 1 hour ago
Hi Friends and Family, As many of you may or may not know. Today is the day that the new HAFA ( Home Affordable Foreclosure Alternatives) program goes into effect. It is a way for homeowners who are unable to qualify for modification to pursue short sale or deed in lieu procedures. With that said, I have included an article from HUD stating that the term “foreclosure” can include properties with 6
short-sale « WordPress.com Tag Feed • • 2 hours ago
Subject: Short Sales and Short Pay Offs Purpose: This mortgagee letter provides guidance to lenders and underwriters regarding borrower eligibility when -a perviously owned property was sold for less than what was owed (short sale), or – there is principal write down of indebtedness that cannot be refinnaced into a new mortgage (short pay off) Effective date: This guidance is eff
short-sale « WordPress.com Tag Feed • • 3 hours ago
“Interest rates for fixed mortgages rose this week following a run up in long-term bond yields, while ARM rates eased slightly,” said Frank Nothaft, Freddie Mac vice president and chief economist, in a news release. “Rates on 30-year fixed loans were the highest since the starting week of this year.” MarketWatch 4/1/10 Article
short-sale « WordPress.com Tag Feed • • 3 hours ago
Real Estate Market Research ...courtesy of Jill BE
JILL BERNI| HowStuffWorks.com: Real Estate - Today 10 First-time Homebuyer Mistakes As a first time homebuyer, it's easy to make mistakes. Get educated here and learn the biggest mistakes to avoid as a first-time homebuyer. 1 hour ago 10 Things First-time Homebuyers Want, but Don't Need There are so
Short Sale Feed - Jill Berni Sacramento ... • • 5 days ago
JILL BERNI - Short Sale Feed Craigslist - Sacramento, Placer County, El Dorado County CaliforniaWho do you know that needs to be saved from an impending Foreclosure. We are funded from the lenders Stimulus Money, so there is no net cost to you !... No Matter What You Owe ! ...Who do you know that needs to be Saved from From Foreclosure, but has no Money ?Our Experienced Intention is, to ease the B
Short Sale Feed - Jill Berni Sacramento ... • • 12 days ago
**************** Licensed ******************** Fully Insured ********************************** When You Absolutely, Positively NEED to Get Out of Your House... you Must hire the most Experienced Broker you can find.... Not all Realtors' have been Fully Trained by Dozens of years of Successful Experience ! http://www.SellYourHomeForAllitsWorth.com Jill Berni, Specialized Broker Cel
craigslist sacramento | all services searc... • 19 days ago
Video Gallery
sacramento
Shopping for homes just got a serious upgrade. Again. Almost one year, and over 1 million downloads after the introduction of our massively popular iPhone App, Zillow is re-inventing home shopping, this time with Zillow on iPad. Zillow on iPad was a chance for Zillow to completely re-imagine the home shopping experience, on a new, innovative technology canvas. The iPad opened up a host of new an
Zillow Blog - Real Estate Analysis, Celebr... • • 3 days ago
During the dog days of summer, many New Yorkers retreat to The Hamptons to escape the sweltering streets of Manhattan. The Hamptons are a group of gorgeous beach towns on the east end of Long Island. Billy Joel, Martha Stewart, Steven Spielberg and Howard Stern are just a few of the celebs that own mega-homes in the area. But, for us regular folk, participating in a summer share is the best way t
Zillow Blog - Real Estate Analysis, Celebr... • • 5 days ago
Mortgage rates for 30-year fixed mortgages rose this week, with the current rate borrowers were quoted on Zillow Mortgage Marketplace at 4.93%, up from 4.80% at this same time last week. The 30-year fixed mortgage rate spiked late Wednesday at 4.98 percent, before leveling off just above 4.90 percent over the weekend. Additionally, 15-year fixed borrowers were quoted on average, 4.26% and for 5/1
Zillow Blog - Real Estate Analysis, Celebr... • • 6 days ago
Whether Scott Baio likes it or not, he will forever be known as “Chachi,” the lovable sidekick to Fonzie in the comedy series “Happy Days.” But that was TV and this is reality: Baio and his wife, Renee, are selling their Encino, CA home for $2,895,000. According to Real Estalker, Baio purchased this home in 1994 for $1,345,000. Described as a “Spectacular Celebrity Owned Estate!” it is a 4,403-squ
Zillow Blog - Real Estate Analysis, Celebr... • • 6 days ago
WebSites
********************************************* Licensed ************************** Fully Insured No Matter What You Owe, or Your Current Financial Situation...I will help you out with an simple Exit Strategy, and I Promise that you will "Land Well" ! http://www.ResistForeclosure.net 24Hr recorded message gives details:1 866 866 6662 x5555 SERVICE AREA (NORTHERN CALIFORNIA) Sacramento C
craigslist sacramento | all services searc... • 2 days ago
******************************************************************************************** ...no brag just fact !......JILL BERNI - "Celebrating 30 years of Customer Service" We Saved This Home From Foreclosure, and Helped Them Avoid 7 Years of Bad Credit .... Jill Berni - Celebrating 30 Years of Customer Service BROKER/OWNER 916 834-2822 916 933-4454 -fax WWW.GOTOOAKTREE.COM •Lo
craigslist sacramento | all services searc... • 2 days ago
.Really? ........................................................................................................................................................... .Don't feel alone. Lots of people, just like you, are Borrowing from their Credit Cards, and their Life Savings...just to "Appear" current on their Credit report.. .You will soon start tripping over everything you have "Swept under
craigslist sacramento | all services searc... • 2 days ago
Just Visit: http://www.LoanModification-vs-ShortSale.com Help Save the Credit Rating of Someone You Know Who you know that is behind on their House Payments...? Better still, who do you know that is borrowing from their Savings or Credit, trying to fool the Bank into thinking they are "current" ... Banks have recently changed the way they do business. Finally, the Rules have changed i
craigslist sacramento | all services searc... • 2 days ago
Real Estate RSS Feeds ...courtesy of JILL BERNI -
JILL BERNI * Licensed* Fully Insured* (to a greater extent than most of her ... Sacramento South Land Park Greenhaven (95822), Sacramento Downtown Midtown ...
Yahoo! Search: JILL BERNI GREENHAVEN • 3 hours ago
Social bookmarking for real estate. Organize, share, and discuss your search for on-line real estate. Dwellicious makes it easy to bookmark real estate ...
Yahoo! Search: JILL BERNI,FAIR OAKS • 4 hours ago
-- Free of Charge to Property Owner! -- Walk-Away with your Dignity and Resolve your Debt Avoiding Future Collections! -- Preserve your Credit! -- I Will Help You Achieve a Fresh Start! NOT SURE IF YOU QUALIFY FOR A SHORT SALE? - Owe more than your house is worth? - Having difficulty making your mortgage payments? - Do you want to postpone foreclosure and avoid deficiency j
craigslist sacramento | all services searc... • 6 hours ago
Cities we service • Sacramento • Antelope • Auburn • Carmichael • Citrus Heights • Davis • El dorado Hills • Elk Grove • Elverta • Fair Oaks • Folsom • Galt • Granite Bay • Lincoln • Lodi • Loomis • McClellan • Newcastle• North Highlands • Orangevale • Placerville • Rancho Cordova • Rio Linda • Rocklin • Roseville • Shingle Springs • West Sacramento • Wilton • Woodland
craigslist sacramento | all services searc... • 9 hours ago
Social Site RSS Feeds
User:Eberni - AboutUs Wiki PageSource: www.aboutus.orgFrom AboutUs: See what information we have on User:Eberni and share your knowledge. Planning a Move to Northern California with it's 4 Distinct Climates.Alpine, Temperate, Rain Forest, Coastal. It makes sense to Hire the most Experienced Realtor you can find. - JILL BERNI. Celebrating 30 years of Customer Service. "you can't bring he a Prob
Jill Berni's Facebook Links • • 6 hours ago
shared by: allkinds on: Sunday, April 04, 2010Table comparing ADUs to Ohana Unit to Illegally rented Recreation Rooms
Docstoc feed for: Real Estate • • 1 day ago
shared by: allkinds on: Sunday, April 04, 2010Table comparison of Ohana Unit vs Accessory Dwelling Unit (ADU) vs Recreaction Room. This is a proposal to amend Honolulu City Ordinance.
Docstoc feed for: Real Estate • • 1 day ago
Just Visit: http://www.LoanModification-vs-ShortSale.com Help Save the Credit Rating of Someone You Know Who you know that is behind on their House Payments...? Better still, who do you know that is borrowing from their Savings or Credit, trying to fool the Bank into thinking they are "current" ... Banks have recently changed the way they do business. Finally, the Rules have changed i
craigslist sacramento | financial services... • 2 days ago
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