July 25, 2012 5:58 pm
Offer. Oral or written proposal to buy a piece of property at a specified price.
July 25, 2012 5:58 pm
A: The most comprehensive insurance policy is guaranteed replacement cost coverage, which will pay to rebuild your home even if the cost to rebuild is more than your policy limit.
This kind of coverage is more expensive and can cost from about $400 to $1,000 a year or more, depending on the area and the price of the home. However, even if you can afford it, this insurance is not available everywhere or for every property. For example, older homes may not be eligible. And some big insurance companies have begun to limit the amount they will pay to 120 percent of the policy's face value.
July 24, 2012 5:56 pm
If you think you are living in a small space, consider Erin Boyle and her fiancé James Casey, who share a 240-square foot apartment in Manhattan - a space smaller than some garages.
“It’s pretty tight,” admits Boyle, who doesn’t mind climbing a ladder to their built-in sleeping loft. “But careful planning gives us an efficient kitchen, a decent living space, and even a dining area.”
The key, Boyle said, is making the best use of light and being sure that everything is in its place. She offers 10 tips for ‘opening up’ a less-than-roomy living space:
• Put things away – Don’t leave dishes in the sink, newspapers on the sofa, or a hair dryer out in the bathroom. Any space that’s cleared looks larger.
• Hide the clutter – In a small space, anything out of place is annoying. Keep a crate in the closet or under the sofa to hide work papers, magazines, and more.
• Go small – Live plants and little knick-knacks can make a house a home. But look for small versions that add color and hominess but don’t take up much space.
• Be creative about storage – If closet space is short, prop your surfboard or guitar in a corner and make it part of the décor. Buy furniture that doubles as storage, like an armchair with built-in magazine storage or a coffee table with a lift-up top.
• Buy pretty versions of every day products – If the shampoo or dish soap must be left out on view, buy the ones in the most eye-pleasing containers.
• Be selective about art – One antique bottle filled with dried flowers can become a charming focal point. Don’t hang too many pictures. If you have too many, rotate them on the walls and store the rest under the bed.
• Cut back on trash – Recycling is a must in small spaces, and even the garbage can must be small. Get rid of anything you don’t need, and recycle where you can your community.
• Keep the windows clean – It’s vital to let as much light as possible into a small space. Keep windows sparkling. Don’t block them off with drapes, window fans, etc.
• Limit what you buy – If refrigerator and cupboard space are limited, divide the contents of larger bottles or boxes into smaller, single-use containers.
July 24, 2012 5:56 pm
Whether you’re camping with the family or hitting a summer music festival with friends, it’s important to be fully prepared before you hit the woods. While you may remember the essentials (tents, flashlights, bug spray, check!) below are a few camping must-haves that are easy to overlook.
1. Baby wipes. Babies or not, no one should head off on a camping trip without a package (or four) of baby wipes. These easy cleaners are a great way to quickly de-grime when you’re tenting sans shower.
2. Coffee, on ice. In the heat of the summer, you may not be tempted to brew a batch of coffee on your camp stove—if you brought one. So how can you get your java fix? Before heading out on your adventure, brew a few pots of coffee and after they cool, pour them into an empty gallon water jug. Keep this in your cooler and you have a quick, refreshing hassle-free caffeine source.
3. An emergency kit. I’m not talking about a first aid kit (although bring that, too!). I’m referring to my four essential outdoorsy must-haves, which cover all the basics: Trash bags, duct tape, an extra tarp and rope. While it may seem like you’re planning out a crime, this is my “emergency” kit for camping, and you never know when these will come in handy.
July 24, 2012 5:56 pm
Managing your finances can be complicated. Most people find themselves juggling financial priorities such as paying down debt, starting an emergency savings fund, saving for college or contributing to a retirement account. The first week of August is National Simplify Your Life Week and M&I, a part of BMO Financial Group, suggests these tactics to help you organize, consolidate, and eliminate bad spending habits.
Eliminate Unnecessary Expenses: One of the easiest ways to have fewer bills to worry about and put more money in your savings account is to eliminate unnecessary expenses. For example, consider giving up the premium cable TV channels or your morning stop at the coffee shop. Decide if those unnecessary expenses are actually worth the money.
Consolidate Accounts: For married couples, consolidating financial accounts will make it easier to manage money and plan your financial future. Consolidating accounts will allow you to have a clear picture of your financial situation and give you fewer accounts to track. Aim to have one savings and one checking account.
Automate Payroll Deposits and Bill Paying: Take advantage of all the tools available to automate your finances. Direct deposit your paycheck to eliminate trips to the bank. Set up automatic bill payment. You'll never miss a payment and avoid late fees, plus you'll simplify your life by cutting out check writing and remembering to pay bills. If the thought of automatic bill payment worries you, you can still pay your bills online and manually authorize the payments each month. Most banks offer free online bill payment that includes reminders and shows you when you last paid a bill to streamline recordkeeping.
Plan for Success: Even if you are keeping good track of your finances and bills, creating and following a budget can make it easier to simplify your spending. Use your take home pay to create a budget and determine whether or not you can afford anything extra.
Eliminate Credit Card Debt: List your credit cards and set up a plan to pay them off starting with the ones with the highest interest rate to minimize interest payments. Not only will this give you fewer bills to worry about, but it will give you a sense of satisfaction when you see a zero balance on your monthly bill.
"It takes a series of small but significant steps to simplify your financial life," says Mary Brockhaus, Senior Vice President, M&I, a part of BMO Financial Group. "By taking advantage of automated financial tools, paying down high interest debt and creating a budget and sticking to it, you'll be in a better financial position today and as you plan for the future."
Visit www.mibank.com for more information on how to simplify your spending. You can also visit www.bmoharris.com/helpful-steps for several easy to use financial tools.
July 24, 2012 5:56 pm
Between your family, work, your exercise routing and your social life, finding time to relax may seem like a laughable notion. But while a busy schedule can make taking time out to relax difficult, it should still be a priority—right up there with making it to your son’s Little League games or your Monday morning meeting. Here are a few tips for achieving a work-life balance.
1) Manage your time well
On a Monday morning, jot down a list of tasks which need to be completed by the end of the week. Split this list into achievable 'quick wins' by writing down the amount of time needed to complete each task. Schedule each piece of work into your weekly calendar, checking everything you need to do can actually fit into your working hours. By allocating time for each task, you're less likely to under-estimate how long each activity is going to take.
2) Leave your work at work!
Schedule 10 minutes at the end of each working day to make a list of outstanding projects, deadlines and anything else work-related which is bothering you. Make time in your diary to develop solutions to problems and ask managers and colleagues for help if you're struggling with a heavy workload.
3) Schedule 'personal time' in your calendar
Schedule 'personal time' as well as 'work time' in your diary. Place as much importance on 'personal time' spent with friends and family, as you do on 'work time.’ Manage time planning for personal activities as efficiently as your working day, to ensure that it's achievable. Plan to leave work on time at least one evening a week, block this out in your diary and make sure nothing interrupts this arrangement.
4) Separate domestic chores and resting time
Don't count domestic chores within your leisure time, schedule these separately, otherwise you could risk spending your free time doing laundry and running errands! Try to alternate chores with fun activities, or schedule half an evening for housework and half for relaxing.
5) Take a lunch break every day
No matter how busy your work schedule, take time out for a proper lunch break each day. Go outside, enjoy some fresh air and give yourself a break to re-charge for the afternoon ahead. Block out time for lunch breaks in your diary, even if it's just a 10 minute walk and a quick bite to eat, this change of scenery may be just what you need for a productive afternoon.
July 24, 2012 5:56 pm
Nonconforming use. Use of property that is permitted to continue after a zoning ordinance prohibiting it has been passed.
July 24, 2012 5:56 pm
A: A standard policy protects against several natural disasters and catastrophic events, and covers your personal belongings. But it will not guard against earthquakes, floods, war, and nuclear accidents. The policy can be expanded to include these disasters as well as coverage for such things as workers' compensation. In fact, the lender may require that you purchase flood or earthquake insurance if the house is in a flood zone or a region susceptible to earthquakes.
July 19, 2012 5:44 pm
I know from personal experience that there are many reasons to rent temporary self-storage space - like emptying overflowing garages and basements, stashing possessions while remodeling or moving or storing business supplies for future use.
My friends at Connecticut Better Business Bureau recommend carefully checking out a self-storage business before handing over your precious belongings. In 2011, BBB received more than 1,000 complaints against storage unit companies.
To help protect yourself and your possessions, we're passing on the BBB's 7 things to consider before selecting a temporary storage facility: â€¨â€¨
Cost - Obtain written cost estimates from at least three facilities that include the monthly rental fee, storage preparation, transportation fees and charges for extra options you may choose, such as electricity, pest control and insurance.
Size - What size storage units are available? Is there a maximum weight limit for unit contents? Can you jam-pack the entire unit from floor to ceiling? â€¨â€¨
Climate - Consider the general climate and whether your belongings might be subject to mold or water damage. If so, you may want to consider an environmentally-controlled unit. â€¨â€¨
Insurance - Make sure your items are insured from theft, fire and other damage. Some homeowners’ policies cover self-storage risks. Check with your insurance agent to see if you are covered.
Safety - You will need a secure, heavy-duty lock to protect your storage unit. Ask if the facility has surveillance cameras on the property and if a system is in place to restrict access by strangers.
Contract - Get everything in writing such as the size and location of the unit, available options, termination regulations, insurance coverage and payment terms.
Access - What are the hours and are there are related charges for accessing your unit?
Is there adequate room for parking and is the distance from your car/truck to the rental unit acceptable? Does the facility offer dollies or hand trucks to help you move your belongings in and out?
Finally, make sure you are up-to-date on your payments and not being charged for unauthorized charges. You don’t want your storage unit to be labeled “abandoned” and your possessions put up for auction.
July 19, 2012 5:44 pm
(ARA) - Smartphones are the new norm for mobile. With a virtual world in the palm of users' hands, they can easily access email, social networking sites, news, videos, music, images, files, mapping and more. While the possibilities may seem endless, consumers should consider one limit: their budgets.
The allure of smartphones may be hard to resist, but more than one user has been hit by "bill shock." Consumers experience bill shock when they receive a bill that is significantly higher than what they were expecting. Many monthly service plans include a maximum level of data usage. Once customers surpass that threshold, the overage charges start piling up, and the final tally can be hard to swallow. Taking a few precautions can help keep costs under control:
1. Be selective with your usage. Smartphones are great tools on the go, but some activities are best left to other devices, like your tablet PC, laptop or PC. Frequently streaming music and videos will take a huge bite out of your monthly data allowance so it may be best to save these activities for devices that are not tied to your cellphone plan.
2. Be realistic about your data needs and then select a plan that best meets your data consumption. Consider whether you'll be streaming music or videos, downloading apps or games, sending photos or documents, surfing the Web or checking email. Each of these activities requires bandwidth, some more than others. Just looking at the weather or other news doesn't use much data - the activity that really racks up the dollars is streaming and downloading files.
3. Use Wi-Fi when you can. Data accessed with a Wi-Fi connection won't count against your cellular service data usage. If you have a wireless router at home, simply switch over to Wi-Fi. If you don't have Wi-Fi access at home, there are plenty of cafes, bookstores and other community gathering places that offer free (or nearly free) Wi-Fi. In fact Wi-Fi is easy to set up, for an easy how-to video visit youtu.be/Wi-9Cedw0vs?t=50s.
4. Consider no-contract cellphone plans. Major carriers typically offer the "best" prices with a two-year contract. However, you can expect a stiff penalty if you need to break the contract, as well as steep overage charges if you exceed your plan's limits. Instead, choose a company like Consumer Cellular, www.consumercellular.com, a no-contract cellphone carrier that allows customers to change their plans as often as necessary, without penalty, enabling them to capture the best rates for their usage needs.
5. Monitor your usage levels. If you haven't used a smartphone yet, it may be difficult to determine an accurate estimate of data requirements. Check with your carrier about enabling usage alerts to notify you when you are getting close to your plan's limits. With some service providers, like Consumer Cellular, you're automatically opted-in to the alerts and get notified when you're approaching, are at and have exceeded your limits. The company sends alerts at 75 percent, 100 percent, 125 percent and 150 percent to give customers plenty of time to change or modify their plan to avoid overage fees. There are also free smartphone apps that help you monitor your usage.
Owning a smartphone doesn't need to be a budget-buster. With just a few simple tips, users can keep their bills in check while enjoying the convenience and capabilities of their mobile devices.