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HOMECHECK™
Reference Center
JUNE 2009
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INSURANCE COVERAGE IN AN ECONOMIC
RECESSION: Limiting Your Risk When Cutting Costs!
Lately, when we turn on the news, we hear about a troubled economy
and an unstable job market. The constant barrage of bad news has
encouraged most of us to cut spending wherever possible. Perhaps a
household will cancel cable TV for a year, limit their cell phone
plans, reduce the number of times they eat out as a family, or tackle
another cost reducing option. As many different "belt-tightening"
measures are taken, everyone should be careful they don't cut the
essential items. One annoying essential is the cost we pay for
insurance - there is no guarantee we will need it in the near future (in
fact, we hope to need it as little as possible), however, if an accident
does happen and we don't have coverage, the costs could send us into
bankruptcy. Understandably, if a bread-winner of the household
loses their job, it is tempting to cut costs where we cannot see the
immediate need. This said, it is far better to reduce coverage
than to go with no coverage at all.
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THE BIG BAD HOME INSPECTION: Are
You Afraid of Home Inspections?
No matter whom you talk to that is involved in a home sale
transaction, whether it be the owner, buyer or real estate agent,
everyone has a certain amount of reservation concerning a home
inspection or “termite” inspection. But why? All that it entails is
basically a visual inspection of the home and a short written report,
right? So, who’s afraid of the big, bad home inspection? Everyone it
seems!
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How To Hire A HOME INSPECTOR!
So, you are buying or selling a home and you feel that
you need an experienced professional to inspect the property so that you
go into the sale/purchase knowing everything that you need to know to
make the proper decisions and arrive at the dollar/value amount that the
property is worth to you. But, how do you go about it? All of the
Inspectors’ ads seem the same - they all tout the same lines of how
great they are, etc., etc. It’s impossible to get a referral because you
really don’t know anyone who has bought or sold a home recently, and
you surely don’t trust the Realtor's choice because you are pretty sure
the Inspectors that they use are “their good Ol' boys” that solicit the
Realtors for work. So, what’s a person to do? |
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