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Don’t Let Home Improvements Leave You Underinsured

By Ben Moore



a tree in front of a house: Don't Let Home Improvements Leave You Underinsured


© TheStreet
Don’t Let Home Improvements Leave You Underinsured

As many Americans face months on end stuck at home, some are using their time (and money) to create a change of scenery or upgrade their surroundings. Office equipment purchases are on the rise, and people are tackling more renovation projects than usual.

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But expensive new stuff and significant home improvements can leave you underinsured. If you’re considering making changes to your home — or if you already have — it’s smart to revisit your homeowners or renters policy. Here’s how to ensure it covers the new additions.

Tell Your Insurer About Your Plans

There’s a good chance you’re underinsured before you even make changes, according to Don Griffin, vice president of personal lines at American Property Casualty Insurance Association. Talk to your insurer before making any expensive purchases or changes to your home to inform

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Kitchen cabinets are costly. Don’t make them trendy

The latest colors and trends are tempting, but a kitchen should be timeless, says Barbara Miller, design director for the Neil Kelly design and remodeling company.

It’s expensive to remodel a kitchen, and cabinets can make up 30% of the costs, so make sure you or an owner five to 10 years in the future won’t think the look has gone out of style, she says.

A sure-fire solution: White cabinets.

Since Neil Kelly started remodeling homes in Portland in 1947, “we have never stopped selling white cabinets,” says Miller, referencing a statement made by owner Tom Kelly, whose father founded the company.

She says styles and hardware have changed, but white remains popular in the Pacific Northwest, as does wood-grain cabinets.

The easiest way to ensure a kitchen has a timeless feel is to match key elements with the architecture and era of the house: A Colonial Revival house

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Watch: In this Sharjah school, you don’t have to go only to the bathroom to wash your hands amid COVID-19

Keith Sykes, headteacher of Victoria English School in Sharjah with artist and curator Yoshita Ahmed showcasing the school’s innovative sinks
Image Credit: Virendra Saklani/Gulf News

Sharjah: The outbreak of COVID-19 has forced many schools around the world to search for innovative ways to protect themselves.

Handwashing with soap and water, when done correctly, is critical in the fight against COVID-19, as per World Health Organisation.

Now Victoria English School (VES) in Sharjah, which has 800 students, has taken a novel initiative to encourage hand washing by turning dozens of barrels into colourful sinks and installing themacross the hallways and at the school’s yard. “One of the things we are trying to do is get students not to associate hand washing as something they should do when they visit the bathroom. We want to educate them that hand washing is part of hygiene and good COVID-19 preparedness,” Keith Sykes, head teacher

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Mistakes to avoid when upgrading a kitchen: Don’t get sucked into tempting, one-function items

Your household may have grown during the coronavirus pandemic as adult children who lost their jobs returned home. At the same time, your wallet may have become thinner during the economic fallout caused by the global health crisis.

Combine those factors and it’s easy to see that a study by the National Kitchen & Bath Association (NKBA) found that people want to improve their kitchen, especially with germ-avoiding, touchless technology, while adhering to a tight budget.

An overwhelming 99% of manufacturing, construction, design and retail businesses surveyed by the trade association said more consumers are requesting assistance with small-scale, DIY kitchen projects.

To reduce the risk of getting Covid-19, the survey found people want contact-less products with automatic sensors and antimicrobial surfaces as well as outdoor kitchens, where they can safely entertain while social distancing.

The pandemic also made people aware of the need to prepare for an emergency and

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Problems Selling Your House? Here Are the Reasons Homes Don’t Sell

If your house has been on the market for many months without receiving any offers, what might be the problem? Of course when the economy is down, houses do not move as quickly. But right now the housing market seems to be coming back. Many houses are moving quite quickly. If you are frustrated by the lack of interest shown in your house, perhaps you should consider the following suggestions.

Is your house competitively priced? Today many houses are selling quickly because prices are still down and interest rates are at an all time low. This is not a good time to be asking more for your house than its true market value. Buyers have many house options and most couples will not overpay for a house — even yours!

How do you know if your home is priced fairly? The method used by most real estate agents is to … Read More

55 Years Old – Don’t Buy A House

If you have owned a house and paid off the mortgage over the years you know the first 10 years is almost all interest payments with very little equity.

There is nothing wrong with buying a house as long as you can qualify. That means a good down payment and a steady job. None of that no-down-payment nonsense. The buyer must be serious about making those monthly mortgage payments and have a good job. Banks are checking these days.

The financial community in the recent past has been required to make mortgages for those who did not qualify with no down payments and had no serious intention of paying if it became economically uncomfortable. It is too easy to walk away.

The true cost of home ownership is not just the monthly mortgage payment. In a new house all the appliances, plumbing, roof, pool equipment, window frames, etc., etc., everything … Read More