Tuesday, April 28, 2015

Get smart about buying insurance





From home and health to auto, life, disability and more, it's important to be smart about how you buy coverage to limit costs, purchase the right coverage and avoid redundancies.



The best place to start is on your state's official government website, says FindLaw.com, the nation's leading website for free legal information. There you will find a list of licensed insurers so you can be assured that you're dealing with a legitimate company.



"Work with a reputable insurance agent who represents a financially sound, highly-rated company," advises Ed Susolik, an attorney who specializes in insurance law at Callahan & Blaine in Santa Ana, Calif. "As is often the case, you get what you pay for. You don't want to add to a tragedy by discovering that you're underinsured or that the policy you've purchased from a little-known company is fraught with loopholes."



Here are some additional tips from FindLaw.com on purchasing insurance coverage:



Follow the law. Check the laws of your state. You may be required to carry certain types of insurance, such as liability insurance to operate a car, motorcycle or boat. This also applies on the federal level, for example, with the passage of the Affordable Care Act, all Americans will be required to carry health insurance as of 2014.



Read your policy. Many Americans don't read their insurance policies and hastily sign contracts without considering the implications. For example, if your health insurance covers 90 percent of all medical bills and you require significant medical attention, the 10 percent for which you're responsible could add up. If you have trouble understanding what a policy proposal covers, don't hesitate to slow down and ask your agent for clarification or get a quote from a different company. Remember: you're buying insurance to ease, and not trouble, your state of mind.



Plan for major milestones. Major events will trigger the need to purchase insurance or increase your existing coverage. With the birth of a first child, parents should consider purchasing term life insurance. It offers a benefit to a spouse and child to cover living expenses if one parent dies before the child reaches adulthood.



Inspect your home insurance. Carefully review your home insurance policy. Are you insured for your home's market value or replacement value? The replacement value is the cost of rebuilding your house, while the market value is based on an appraisal of its value in relationship to surrounding homes. Your agent should be willing to work with you to sculpt the policy that meets your needs.



Consider flood insurance. Standard homeowners insurance typically does not include flood insurance. First, determine the level of risk for flooding in your area. There are a few options online, including the Federal Emergency Management Agency's website (www.fema.gov), where you can search your address and assess flooding risk. Your insurance agent also should have access to this information and can explore your options with you.



Add an umbrella policy. It's not a bad idea to purchase an umbrella liability policy to provide additional coverage above and beyond your homeowner's insurance. This helps in situations where you could be at fault for accidents, such as your dog biting a mail carrier or a tree in your yard falling onto a neighbor's car.



Research renter's insurance. Apartments can be burglarized or damaged like any other property. If you rent, consider purchasing renter's insurance to cover assets such as computers, furniture and other significant items.



Inventory your belongings. Take photos or videos, with audio descriptions, of your property so you and the insurance company have an accurate record of your belongings in the event of a fire or other accident. Capture your home, prized possessions and high-value items such as cars, boats, jewelry and collections. Store the files on a portable hard drive in a secure and safe location, such as a safe deposit box.



To learn more about insurance and the law, visit FindLaw.com.



Tuesday, April 14, 2015

Details on carpet stain removal



Carpet stain removal can be a daunting task. It should also be done with much care and precaution to prevent damage on the carpet. While using the vacuum cleaner will do fine, it will only remove the dirt. Stains are different, thus, they should be treated differently.



Regardless of the approach employed in removing the stains, it is best to act immediately and quickly. If you wait in doing the cleaning, you risk ruining your carpet for good. Whether oil, wax, solid or liquid substances are spilled on the carpet, you need to grab a clean cloth to remove the solid substances or what can be removed from the stain.



Then you have to blot out as much of the stain as possible. If a liquid substance spilled the carpet, there might occur wicking. Wicking means that the liquid substances have pooled at the bottom of your carpet. Hence, it will weaken the fiber of your carpet, causing the stain to spread and resurface; and eventually, serious damage is done on your carpet.



To prevent wicking, you need to cover the area with a thick dry cloth, and weigh it down with thick books or something that is heavy. Leave it overnight and remove the stain as normal in the following day.



In the morning, when you are certain that no more liquid or staining material will come out, blot out the stain using a dampen cloth or sponge. Avoid scrubbing the carpet as it would weaken the fiber and cause the stain to spread to other areas.



Blotting the stain gently will remove the stain without causing further damage to the carpet. If the stain remains after blotting it with water, you may want to squirt mild dish washing liquid onto it to clean. Blot the stain gently and let it sit for an hour before you blot again with a cool damp sponge or cloth until the stain is totally removed.



There are many carpet stain removal products available in the market in case you do not like to use dishwashing liquid detergent. Commercial products designed for removing stains vary based on what types of stains on your carpet.



For them to be effective, you need to figure out what type of stains your carpet has. If it is greasy like oils for cooking, body, automotive or moisturizing, use grease-based stain removal products.



If the stains are acid-based like coffee or urine, your choices are oil-based or acid-based products. In oil-based, the stains are dissolved, while in acid-based, the chemical quality of the spots are changed in order to make them easy to remove.



If you are not certain on the type of stain your carpet has, choose the all-purpose type of carpet stain removal product.



In all your undertakings, it is best to test the carpet stain removal product in a corner of the carpet or in any out-of-the-way area of the carpet, lest, you may risk creating a faded spot that may look more hideous than the stain itself.



by Rudy Silva

http://www.articlecity.com/articles/home_improvement/article_6257.shtml



Friday, April 10, 2015

Realty Masters West Opening Soon!

Realty Masters West Opening Soon!
Realty Masters expands to West Pensacola in April 2015.
We are happy to announce the opening of our new branch office~ Realty Masters West located at 6800 W. Hwy 98, Pensacola, FL 32506. One of our favorite things about the new office is having the US Navy Blue Angels fly overhead!

Pensacola Property Management
Realty Masters West Opening April 2015!
We are happy to provide a more convenient location for our renters in West & Southwest Pensacola as well as Perdido Key, FL.  Our agents manage over 300 Pensacola rental homes and apartments in the 32506 and 32507 zip codes alone. 

We appreciate our service members and can't wait to be closer to NAS Pensacola to better serve you.

By May 1, 2015 our new office will be fully functional.  At our new location, you may:
  • Register to view Pensacola area rental homes
  • Apply for a Realty Masters home
  • Pay your rent
  • Talk to property managers Becky Jones or Katie Payne
  • Talk with an agent about Pensacola homes for sale
We look forward to seeing you in our new office soon!

Thanks and have a great day,
Nicole St. Aubin, Broker Associate
Realty Masters of FL~ #1 in Pensacola Rentals!
Call us at (850) 473-3983

Over 45 Pensacola Rental Homes at www.PensacolaRealtyMasters.com