Prepare your Second Home for the Winter

Before the snow starts flying, it is important to make sure your secondary home is prepared for the weather. What is important maintenance on any home, is doubly important on a home that may be vacant or have limited occupancy over the winter. To get you started, we have 5 must-do items for your home or condo.

  1. Turn off the water. If the home will be vacant, you may want to turn off the water to prevent the risk of a leak going unnoticed and causing significant damage. Water-flow sensors are also an option if you keep the water on but want to keep an eye on things.
  2. Adjust the heat. While it may be tempting to turn the heat way down, it is important that you keep it reasonably warm to prevent pipes from freezing. Even if the water is turned off, damage to pipes is nothing to mess with.
  3. Prepare the perimeter. Be sure to perform some yard maintenance. Make sure there isn’t any debris buildup around your foundation or in your gutters. Make sure vents and downspouts are clear from obstruction so water and snow will properly drain away from the building.
  4. Have a plan. If you will be away for several months, it is a good idea to have someone you trust keep an eye on your property. Provide them with your contact information as well as any service providers you may prefer in case of emergency. You can relax knowing you have a plan in place in the event anything does happen.
  5. Lock it up. This one might be a no-brainer, but be sure to lock the doors and windows before you leave. Doing this, along with having someone keep an eye on your property, will go a long way in keeping your property secure while you are away.

Since most people choose to head south for the colder weather months, these tips are more geared toward preparations in advance of winter weather conditions. If you live in a milder climate, what are some things you do before you close your home or cabin for the season?

Got a Real Estate Question? Visit: http://www.LiveByTheBeachGroup.com

Got an Insurance Question? Visit: http://www.InsurancePricedRight.com

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4 Things to Add to your Car Insurance

Sometimes surprises can be very costly. There are bad surprises—like when your new shirt shrinks in the wash. And there are good surprises—like when you find $20 in your pocket.

Here are four optional car insurance coverages you may have, or that you could add to your policy, to help turn a potential bad surprise into a good one:

  • Key and lock replacement. Have your vehicle keys ever been lost or stolen? The cost to replace vehicle keys and locks can add up and is not typically covered by a standard auto insurance policy. Opting for this insurance coverage could help lessen the financial burden during an already stressful situation.
  • Pet injury. If you travel with your beloved pet, check out insurance coverage that pays expenses if your furry family member is injured in an auto accident.
  • Rental car. Your auto insurance policy may automatically provide the same coverages and limits that apply to your vehicle to a vehicle you rent. However, if you’re involved in an accident, the rental car agency may require you to pay if the rental vehicle cannot be rented out to others or becomes less valuable. Adding loss of use and diminution in value coverages to your auto policy can save you a bundle if your rental is wrecked.
  • Travel expenses. An accident far away from home is never convenient. You could end up having to pay for unexpected transportation, meals, or lodging. Insurance coverage could help pay for these extra expenses to reach your original destination or return home.

These enhancement-type coverage’s sometimes have their own endorsement form and must be purchased separately. Like buying items in bulk or combining home and auto insurance, it may be a better value to purchase a set of enhancement coverage’s listed on one endorsement form for one price. Ask us about auto enhancement coverage’s today!

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5 Recommendations to Keep Your Tenants Happy

Are you a Slum Lord or a Landlord?

As a landlord, you know how hard it can be to find good tenants. But when you do find them, you want to keep them! Because finding new tenants is more costly than retaining current ones, keeping your current tenants happy is beneficial from a bottom-line standpoint. It will also help you maintain the community you have fostered with your current good tenants.

Looking for a few strategies to keep your tenants happy? Here are a few tips for retaining tenants:

  • Start things off right. When tenants move in, welcome them with a packet of information, including your contact information, when rent is due, and responsibilities with utilities and any other maintenance. You may also want to leave a small housewarming gift. Checking in with new tenants in the first few weeks after move-in is a nice gesture. After that, leave them be and let them reach out to you. Consider sending Christmas and birthday cards to your tenants as personal touch points throughout the year.
  • Communicate, communicate, communicate! Everyone appreciates good communication, including your tenants. Be prompt in answering tenant messages, even if it’s just to acknowledge that you received the question and are looking into it. When you or your maintenance crew need to enter a tenant’s unit, give plenty of notice and try to enter the unit as few times as possible. And, while it’s not always easy, remain as calm, kind, and flexible as possible, especially in tough situations.
  • Keep the peace. Related to communication, avoid procrastination when resolving tenant tensions. Letting tensions fester will allow tenants to harbor animosity toward one another and poison a sense of community. Keep in mind that if you received one complaint about a tenant, there’s a good chance others have similar complaints but have not voiced them. Not only will keeping the peace among tenants lead to fewer headaches, but it will also entice tenants to stay. 
  • Proactively maintain. Rather than waiting for emergencies, be proactive about maintaining and updating units. Keep a schedule of regular maintenance checks and when units should be updated with things like fresh paint, carpet cleaning or replacement, and new appliances. Also, collect tenant feedback on a regular basis to increase the likelihood that you’ll receive feedback about annoyances that may not have otherwise been reported.
  • Incentivize. Incentives are a great way to persuade your tenants to stay. As mentioned earlier, it is generally more expensive to look for new tenants than it is to keep good ones, so holding a lower rent rate for your good tenants could be a good tactic. Getting into the habit of notifying tenants a few months in advance of their renewal is a good practice. Doing so will give you time to negotiate with tenants if they are looking to leave. If a tenant is still set on leaving despite your best efforts, you will have some extra time to advertise the vacancy. Another way to incentivize tenants to stay is by extending lease agreements. Consider flexibility in your leases that would allow tenants to move between units or into different buildings if you have multiple properties.

What are your strategies for keeping tenants happy?

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Ask Robert J Russell – Pre-Approval Letter? Yes or No

The question came to me ” Should you get a Pre-Approval letter when working with a buyer”

Listen to my answer regarding this issue.

Visit my Group Page for more questions where I will give you the answer: https://www.facebook.com/groups/askrobertjrussell/

Got a Question? Send me an email – robertjrussell.com@gmail.com

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Delaying Retirement?

You’re 49 years old, you make $113,000 a year and you’re starting to get worried about financing your retirement. You could take the drastic step of upping your retirement savings by 10% of your salary. Or you could achieve the same result by retiring two years and five months later than you had been planning to.

This is one of a number of such comparisons in a remarkable new National Bureau of Economic Research working paper, “The Power of Working Longer,” that I imagine is going to become a staple of retirement advice in the coming years. The authors are Gila Bronshtein, Jason Scott, John B. Shoven and Sita N. Slavov. Shoven is a Stanford economics professor and longtime retirement guru who, at age 70, is practicing what he preaches. Bronshtein, Scott and Slavov all got their doctorates in economics from Stanford in the past 15 years and are now working at, respectively, Cornerstone Research, Financial Engines and George Mason University.

The authors look at scenarios for different incomes, living arrangements and rates of return. But the findings all point in the same general direction:

The basic result is that delaying retirement by 3-6 months has the same impact on the retirement standard of living as saving an additional percentage point of labor earnings for 30 years.

The working-longer effect is strongest for those with the lowest incomes: If you make $21,996 a year, delaying retirement by just two and a half months has the same effect as saving 1% of earnings for 30 years, while delaying retirement by a little over three weeks is equal to saving 1% for 10 years. This is because those with lower incomes get a higher percentage of their expected retirement earnings from Social Security, and claiming Social Security later results in higher monthly benefits. Nearly half of retired-worker Social Security recipients start claiming benefits at the earliest possible age, 62, and receive much-reduced benefits as a result.

Social Security’s early retirees tend to be markedly less educated and less affluent than those who stick it out to the full retirement age — currently 66 and soon to start rising to 67. The less educated and less affluent also have lower life expectancies, so the decision to start receiving benefits early may in some cases be entirely rational. But there seems to be a growing consensus that in many cases it’s not, and that those who claim benefits early don’t fully understand the price they’re paying. It seems like Bronshtein, Scott, Shoven and Slavov have delivered a valuable educational tool for making that price clearer.

Higher up on the income spectrum, Social Security is less of a factor. And if you’re already planning to work to age 70, delaying retirement past that won’t net you any additional Social Security benefits.

Similar math does apply, though, to savings in 401(k)s and other retirement accounts, and it doesn’t stop applying at age 70. For every month that you delay retirement, you’re (1) increasing the amount you’re able to save and (2) decreasing the number of months you can be expected to live after retirement. That second part sounds awful, and it’s not strictly true, given that there’s some evidence that working longer actually leads to increased lifespans. But if you think in terms of the monthly annuity a person can buy at different ages — which is what Bronshtein et al. (and other retirement researchers) do in their calculations — one can see the appeal.

Using the CNNMoney annuity calculator, I find that a male New Yorker with $500,000 can buy a $2,505 monthly income with that at 62, $2,705 at age 65, $3,100 at age 70, and $3,707 at age 75. In other words, it pays to delay.

Want to know more? visit: http://www.InsurancePricedRight.com

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5 Tips to Make 2018 the Best Year Yet

Since New Year’s resolutions have a 48-hour shelf life, many people don’t even bother with them. Here is a different approach: five ways to improve performance by focusing on results-changing behaviors.

1. Try something new

In their “Habits Across the Lifespan” study, Duke University researchers found that nearly half of human behaviors are habit-based, regardless of age. For example, we not only have favorite restaurants, but we tend to choose the same menu items over-and-over again.

It’s the same in business. After receiving a promotion, her boss asked her to serve on the selection team for her replacement, but cautioned her not to look for someone just like her.

If half of our thought processes are habitual, it takes conscious effort to try new things, whether it’s a different color of clothing, how we feel about owning a self-driving vehicle, or selecting someone to succeed us at work.

There’s one question anyone in marketing and sales should never stop asking themselves: ‘What does my customer expect?’

As it turns out, your smartphone can have a similar problem. When it doesn’t operate properly, it may need to change its “thinking.” Pressing the reset button gets it back to the way it was when new. We all accumulate habits that interfere with our performance. When that happens, it’s time for a “mental reset.”

2. Clearly communicate your purpose

Sears, Roebuck & Co. kicked off a retail revolution 125 years ago with the clear purpose of bringing thousands of products and services to rural America with its huge iconic catalog. Today, Walmart and Amazon and others continue that tradition.

But it’s the absence of a vibrant message that’s missing with too many companies. It seems the only reason they’re in business is to sell something. It’s as if just meeting with a salesperson or seeing a pop-up ad is a sufficient reason to buy. It isn’t.

From L.L. Bean’s current “Be an outsider” campaign to Opdivo’s “A chance to live longer” medication for those with a certain type of cancer, the message that the brand has a purpose is clear.

3. Improve the customer experience

There’s one question anyone in marketing and sales should never stop asking themselves: “What does my customer expect?” It applies in every situation, whether you’re selling autos or equities, books or bathrooms, homes or heating. There are no exceptions. Unfortunately, most get it backwards. “What can I get out of it?” is their top of mind question, an attitude that leaves the customer experience in tatters.

But today it doesn’t need to be this way. For example, sales transactions at an Apple store are virtually invisible. You see customers handed white bags, but paying for it is over so fast, you can’t catch it. With ApplePay it’s essentially seamless.

Then, there’s life insurance. Surveys show that consumers want to buy it, but don’t get around to it because they think it is time-consuming—filling out pages of questions, making time for meetings, having a physical, and then waiting weeks to get the policy. Now, those seemingly insurmountable road blocks are gone. It takes only minutes for a couple of phone calls, answering a few medical questions, signing the application electronically, and having the policy, up to $1 million or more, delivered by email in less than a week.

It starts and ends with doing what customers expect.

4. Learn from complaining customers

We’re told that customer complaints benefit a business since they point out problems that need correcting. Even though that helps, it’s essentially a reactive strategy, like trying to get the genie back in the bottle.

There’s a more significant problem: customers who refuse to be ignored. According to a study conducted by Edison Research, many customers may be cynical about businesses responding to complaints so they turn to social media–Facebook, Instagram, LinkedIn, and Twitter, among others.

“Seventy-nine percent of those complaining about a brand on Twitter do so in the hopes that their ‘friends would see it.’ While 52 percent hope the ‘company would see it,’ only 36 percent expect that the brand would ‘see it and address the problem,’” according to the study.

We can not only learn from complaining customers what needs correcting, but we can also let them know that we want to hear from them and give them easily accessible ways to communicate with us—and then respond quickly.

5. Take advantage of ‘fresh starts’ in making sales

Birthdays, anniversaries, a new baby, graduations and starting a new job are well-known “buying occasions.” But current research points to many more times when we’re inclined to “turn the page” and make new commitments.

In one study, researchers found that college students are more likely to visit the fitness center at the start of a new week, a new semester, or just after a birthday. These are called “Fresh Start events.” Receiving a bonus, getting a promotion, coming back from vacation, attending a workshop, among others, can make us more open to going in a new direction.

Armed with this insight, marketers and salespeople can take advantage of “Fresh Starts.” An insurance agent finds that a prospect has an upcoming birthday and suggests that it this might be a good time to meet.

In other words, it’s not when you and I want to make the sale, it’s when the customer is ready. Figuring that out is the job.

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Snow News

The worst storm of the winter season has knocked out power to thousands and canceled almost 3,000 flights. Next it threatens to bring more snow, ice and cold from Florida to Nova Scotia, including New York and Boston.

Winter storm warnings and advisories stretch from Maine to South Carolina, including New York, where as much as 8 inches (20 centimeters) may fall Thursday, the National Weather Service said. A blizzard warning has been issued for Boston, which could get 13 inches of snow and has closed schools Thursday.

Blizzard conditions are also possible along much of New England’s coastline, eastern Long Island and parts of New Jersey, Delaware, Virginia and North Carolina. The city of Philadelphia declared a snow emergency.

Staten Island and Queens also face a flood threat between 9 a.m. and noon Thursday as the storm will push tides as much as 12 to 18 inches higher than normal, said Faye Morrone, a weather service meteorologist in Upton, New York.

“It could result in some flooding, especially for vulnerable locations on the shoreline,” Morrone said.

Snow has already fallen in Tallahassee, Florida’s capital, said Rob Carolan, a meteorologist and president of Hometown Forecast Services Inc. in Nashua, New Hampshire. Snow was reported in Savannah, Georgia, while freezing rain and ice covered broad areas of southern states.

“We are going to get a decent snowfall out of this,” said Carolan, referring to New England. “The bad news is it will ruin tomorrow morning’s commute.”

The weather stands to wreak havoc on markets for longer, as electricity prices already surged to the highest level in years and natural gas demand hit a record high. As of 7 p.m. on the East Coast, about 29,000 customers were without power from Maryland to Florida, according to data compiled by Bloomberg from utility websites.

Airlines had canceled more than 2,100 Thursday flights so far, on top of 558 Wednesday, according to FlightAware, an online tracking service. American Airlines Group Inc. and Delta Air Lines Inc. have begun suspending flights at some eastern U.S. airports.

Governors of states in the path of the storm have declared emergencies.

The storm’s focus and track will shift north until it brings its worst to Boston and coastal New England Thursday. Wind gusts along the coast from Maine to Massachusetts could reach 70 miles (113 kilometers) an hour in places Thursday with heavy snow.

“The real apex, the peak of the storm, will be Cape Cod to Nova Scotia,” said Gregg Gallina, a forecaster at the U.S. Weather Prediction Center in College Park, Maryland.

Snow Bomb

This storm may end up being worse than your average nor’easter. It could turn into a bomb, short for bombogenesis, a phenomenon that occurs when a system’s central pressure drops steeply — 24 millibars or more — in 24 hours.

The lifeblood of a bombing storm is a harsh gradient between cold and warm temperatures. This sharp divide was on display early Wednesday as temperatures in Charleston, South Carolina, hovered around 29 degrees, while a buoy offshore recorded readings of 51.4 for the air and 71.1 for the ocean.

“That is a key driver, the cold air mass and the warm Gulf Stream,” Gallina said. “Cold air battling warm air.”

The atmosphere doesn’t like imbalance, Carolan said. When it happens the results can be ferocious.

If current computer models hold, that’ll start to happen somewhere off Cape Hatteras, North Carolina, and continue as the storm moves north. Hurricane-force wind warnings have been posted off the coast where ships could encounter winds of 80 miles an hour and waves as high as 26 feet on Thursday.

“It is certainly going to be a bomb,” Carolan said. “It could drop 40 to 50 millibars in 36 hours.”

The high winds generated by the storm could cause widespread power outages to go along with blizzard conditions. Morrone said gusts of 40 to 50 miles an hour could sweep parts of New York, especially southern Queens.

Environment Canada has issued its own warnings for New Brunswick and Nova Scotia, including Halifax.

Gallina said as the storm pulls off into the Atlantic, another blast of very cold air is going to roar down from the north behind it and spread out across the central and eastern U.S.

“There is a lot of potential for records being broken Friday and Saturday,” Gallina said.

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Learn how to build muscles as quickly as possible.

Some people spend years trying to put on muscle or get more toned, but just can’t seem to make it happen. Others see themselves in the mirror wearing a swimsuit, and realize that they want to get more toned or fill out some muscle, but just don’t know where to start. Whether you want to bulk up, get more curvaceous calves, enhance your chest, or achieve any other muscle building goal, you’re about to get 10 tips to build muscle fast..

Muscle Building Tip #1: Lift

In “How To Build Muscle,” you learn that the only way to significantly increase muscle is to cause muscle fibers to tear, and the only way to do that is to subject your muscles to external forces to which they’re not accustomed. So unless you have a heavy manual labor job like moving or construction, you must get your hands on barbells, dumbbells, and weight lifting machines to see significant muscle building progress.

Muscle Building Tip #2: Go Multi-Joint

Unless you’re already very muscular, single joint movements like biceps curls or triceps extensions do not build muscle quickly. Instead, you should use multi-joint exercises like cleans, deadlifts, squats, and bench pressing. Not only do these exercises work more muscles in less time, but they also allow you to use much heavier weight than you can lift with single-joint exercises.

Muscle Building Tip #3: Go Heavy

Most people who are trying to build muscle do not use an adequately heavy weight. You should be lifting in the range of 8-12 repetitions per set, performing 3-8 sets per exercise, and using a weight that leads to muscle failure by the end of each set. One of the reasons that bodybuilders exercise with a partner is so that someone is there to help them when the weight gets too heavy to lift with good form. If you don’t have a workout partner, you can simply stop when you get too tired to lift with good form, rest a few seconds, then keep lifting to complete the set. This is a better way to build muscle than using a weight that allows you to comfortably complete a set without reaching muscle failure.

Muscle Building Tip #4: Avoid Cardio

10 Tips to Build Muscle Fast

Your body requires calories to build muscle, and if you are doing a significant amount of cardio exercise like running or bicycling, you are burning calories that your body could otherwise be using to build muscle. So if you want to build muscle as quickly as possible, only use cardio for a brief 2-5 minute warm-up, and then focus on weight training only.

Muscle Building Tip #5: Eat

To put on one pound of muscle, you need to consume at least 3,500 extra calories. Since an achievable rate of muscle gain is 1-2 pounds per week, you will need to be eating 500-1,000 extra calories per day to get 3,500-7,000 extra calories each week. But rather than indiscriminately shoving food down the hatch, try to consume calories from healthy protein sources like grass-fed beef, healthy fat sources like avocadoes and coconut milk, and healthy carbohydrate sources like sweet potatoes and yams.

Muscle Building Tip #6: Supplement

In Do Muscle Building Supplements Work? I reviewed several popular muscle building supplements. The top two most effective supplements you should be consuming to gain muscle quickly are 1) a high quality protein powder and 2) a creatine supplement. Other popular muscle-building supplements, such as nitric oxide or beta-alanine, will achieve small results, but will not be as effective as the highly proven protein and creatine supplements.

Muscle Building Tip #7: Rest

If you work a muscle too hard, too many days in a row, the muscle fibers will become too damaged to properly repair and grow. To build muscle quickly, you must completely fatigue a muscle group, but then give it time to rest. Typically, a muscle needs at least 72 hours to properly repair from a muscle-building, weight training session. A good rule to follow is to allow for complete absence of soreness in a muscle before working that muscle again. For example, do a shoulders and chest workout on Monday and Thursday, a leg workout on Tuesday and Friday, and a back, arms and abs workout on Wednesday and Saturday.

Muscle Building Tip #8: Recover

While you are resting, be sure to give your body what it needs to properly recover and put the muscles into a state of optimal growth. Activities that can enhance recovery include ice baths or cold showers, compression clothing, massage therapy or foam rolling, stretching, breathing exercises, and adequate sleep.

Muscle Building Tip #9: De-Stress

High levels of stress can quickly drain testosterone, an anabolic, muscle-building hormone, and increase levels of cortisol, a catabolic, muscle-damaging hormone. If you find yourself at work or school with a constantly high heart rate, moody personality, shallow breaths or high body temperature, it’s likely that you’re too stressed for optimal muscle growth. Teach yourself to relax, breathe deeply and plan out your day to give yourself more time and less stress.

Muscle Building Tip #10: Address Hormones

If you are above the age of 30, hormonal deficiencies can slow your rate of muscle gain. If you feel your muscle gain is too slow, or have any of these symptoms, consider going to a doctor to test your hormone levels and address any imbalances or deficiencies.

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What insurance agents and Realtors need to know about winter flood risks

Floods are the number one most frequently occurring natural disaster in the United States, and this weather threat doesn’t let up once the temperatures drop.

Throughout the coldest months of the year, every part of the country is at risk of winter flooding.

As the season unfolds, agents need to prepare and educate clients on the risks of wintertime flooding. Experts from the Federal Emergency Management Agency(FEMA) and Aon National Flood Services warn about the different causes and risks of winter flooding as well as who is most at risk and provide critical information on insurance coverage and claims.

Causes of winter flooding

A number of conditions can cause winter flooding, but the biggest threats include coastal flooding, ice jams and rapid snowmelt. Winds generated from winter storms can cause widespread tidal flooding and severe beach erosion along coastal areas, putting the Great Lakes and the Northeast coast at risk.

For example, in the Great Lakes, the strong winds from winter storms push water levels up at one end of the lake, causing a storm surge. As the water levels then return to normal, a pendulum effect occurs, causing high water levels on alternating sides of the lake.

Long cold spells can also cause the surface of rivers to freeze, leading to ice jams. An ice jam occurs when a rise in the water level or a thaw breaks the ice into large chunks, which become jammed at man-made and natural obstructions and can result in severe flooding. A sudden release of an ice jam can also cause flooding. When the water is released, it can flow downstream quickly, causing a significant rise in water levels in a short period of time.

Winter floods can also be caused by sudden thaws of a heavy snowpack. A midwinter or early spring thaw can produce large amounts of runoff in a short span of time. Because the ground is hard and still frozen from low winter temperatures, water can’t penetrate and be reabsorbed. The water then runs off the surface and flows into lakes, streams and rivers, causing excess water to spill over their banks.

Proper preparation 

For residents in particularly susceptible areas like the U.S.’s northern regions and the Great Lakes, FEMA and Aon National Flood Services offer a number of critical steps to prepare and protect against winter flooding.

Residents in these threatened areas should purchase a flood insurance policy if they don’t already have one, FEMA advises. Those who have purchased a flood insurance policy should review it and become more familiar with what is and is not covered.

Make a flood plan, FEMA says. Plan evacuation routes and keep important papers and documents in a safe, waterproof place. Keep an up-to-date inventory on itemized possessions, and attach pictures of the possessions. These materials will be vital during the flood claim process.

As for the homes, Aon’s Vice President of Claims, Terry Black, says cleaning the gutters of your home is an important precaution to take to prevent water build-up around the foundation.

Black says experts are predicting a wet winter this season, increasing the chances for winter flooding, particularly in the Northeast and Great Lake areas.

Coverage concerns

When it comes to flood insurance, property owners have two options: private insurance policies or the one-size-fits-all, government-issued National Flood Insurance Program (NFIP).

Private policies offer better coverage for high-value homes, and generally provide greater coverage for additional living expenses. Agents and brokers can review their clients’ coverage and determine the best fit for the situation.

In any case, some flood coverage is better than none!

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Add These Tasks to your To-Do List

Your home is likely your biggest investment, and it requires routine preventive maintenance to keep it in good shape. Some to-dos can be tackled once a year, while others should be carried out on a monthly basis. Here’s a list of tasks to get you started and help keep your home running smoothly all year long.

Monthly
Structurally important and frequently used items require regular attention, so periodically checking your roof for leaks, thoroughly cleaning your garbage disposal and regularly replacing air filters will help keep your home healthy inside and out.

Seasonally
Sticking to a seasonal home maintenance checklist is easiest during milder weather. Start by committing to a few simple to-dos like trimming trees and shrubs away from your home’s exterior. While you’re out there, give your gutters a bit of attention by clearing out leaves and debris that can eventually lead to water backup.

Also, take a moment to inspect the weatherstripping that surrounds your windows and doors. If you see cracks or believe the seals have been compromised, this will be an easy replacement that can save you money on your heating and cooling costs.

Annually 
Set aside one day a year to do things like schedule a chimney cleaning and have your septic tank inspected. Amenities like this are extra costly to repair once there’s an issue, so consistent upkeep is key. Finally, keep all your fire extinguishers up to date and check at least once a year to make sure they’re fully pressurized.

Organizing home maintenance tasks into a manageable schedule can help you prioritize prevention above repairs and save you money in the long run.

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