Lifes A Beach Ceiling FAN PULL light chain extender extension

Life’s a Beach Fun Sandals Coastal Theme Fan Pull New

Product Features

  • Approximately 2 inches
  • Attached 6-inch 18k-gold plated chain and connector
  • 3D Resin

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Home Insurance Tips For For First time Home Buyers

Some Things you should know…

What property and perils are excluded from my policy?

Typically, coverage does not apply to damage caused by flood, surface water, water that backs up through sewers or drains, earth movement, nuclear damage, war, etc. Personal liability and medical payments do not apply to the operation, ownership, use, etc., of any aircraft, automobile, RV, water craft powered by more than 50 horsepower motor; bodily injury or physical damage caused by an intentional act of the insured.

What happens if we have a fire?

How do we collect for our personal property? Whether your policy pays for the replacement or just the actual cash value of your possessions, you will be paid for personal property that you can show you owned at the time of loss. It is a very good idea to keep an up to date inventory in a secure place. Also, to help you remember what you had, it is helpful to take pictures or video of each room. This could help speed things up at claim time.

This is a common loss and many policies don’t have this coverage. You need to make sure it’s there as these losses can be a big mess and expensive. The coverage is a bargain. It doesn’t cost much. If our sump pump fails due to water backing up through the sewers, am I covered? No, but you can easily add a sewer and backup endorsement to your homeowners policy to cover the loss.

Is our boat covered?

Theft to watercraft, including furnishings, equipment and outboard motors, is typically excluded if the theft occurs outside your residential premises. To cover your boat and its accessories, you need a separate boat owners insurance policy.

We have insured antique items listed on my policy. If I have a total loss, do I receive payment for the full insured value?

We will first confirm the value of the items with one or more independent antique dealers. You should then be paid a dollar value based on the dealer(s) estimate of the worth of the antique items. The best way to insure your antiques? Get appraisals and establish the stated values in the policy.

During a storm, a tree from my neighbor’s yard fell and destroyed my fence. Who pays for the loss? Generally, your own policy should cover the loss. Our agency may be able to recover the amount paid for the loss from the neighbor’s homeowners insurance if the loss occurred as a result of your neighbor’s negligence.

If We have water damage from a rainstorm, am I covered? No, a separate flood policy is needed to covers losses to your property caused by flooding. As long as your community participates in the National Flood Insurance Program (NFIP), you’re eligible to purchase flood insurance. We can assist you in determining if your community participates in the NFIP.

What if we lose power and the food in my freezer spoils?A basic policy typically does not cover this loss; however, coverage for electrical outages is available for a nominal additional premium.

If my iPod is stolen from my vehicle, is it covered under my auto insurance or my homeowners insurance policy? Almost all auto and homeowners policies exclude coverage for any losses of iPods and other sound transmitting or receiving equipment used in an automobile. For added protection, check with us to determine if coverage can be purchased for the stereo and media players used in your auto.

How can we be sure we have the right coverage? A complete review of your policy is the only way to determine what property is covered and what perils are insured against. We can help you identify your risks and explain what’s included in a homeowners insurance policy, including the standard limits of coverage on property insured such as money, watercraft, theft of jewelry, silverware and guns. Contact a local independent insurance agent to help you. It doesn’t cost anything to have a good agent. It may cost you if you don’t.

Watch my video Home Insurance For First Time Buyers

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Commercial Real Estate Investing 12 Easy Steps to Getting Started

Simple and to the point, Commercial Real Estate Investing presents 12 easy-to-follow steps that anyone can use to build a life of financial independence. Full of real-world examples, insider tips, and tried-and-true advice from one of the most published real estate authors in America, this comprehensive resource covers everything you need to know about profiting in commercial real estate—including financing, valuation, due diligence, leverage, equity, using other people’s money, and much more. Packed with fresh ideas, proven techniques, and effective strategies for solving problems during negotiations and making a profit even if you sell for less than you paid, Commercial Real Estate Investing gives you all the tools you need to start amassing your fortune today.

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Iron Starfish Hook, Set of 2, Light Blue

Starfish Wall Hook/Coat Hook

Crafted in cast iron

Nice piece of functional nautical decor

Measures 4.5″H x 4″L x 1.5″W

Screws not included

Product Features

  • Crafted of cast iron
  • Measures 4.5″H x 4″L x 1.5″W
  • 2 hooks per set
  • Finished in a light blue color, slight color variations may occur
  • Screws not included

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3M 8511 Particulate N95 Respirator with Valve, 10-Pack

3M Tekk Protection 10 Pack Respirator Cool Valve Filtering Facepiece Particulate Respirator N95 Lightweight Comfortable “M” Nose Clip Recommended For Preparation Before Painting NIOSH Approved: N95

3M Respirators

As one of the leading designers and manufacturers of respirators in the world, 3M provides products that address the needs of both workplace, regulated applications, and do-it-yourself/home-owner, non-regulated applications. For workplace uses, employees may be exposed to known concentrations of harmful contaminants for part or all of the workday. In these situations, respirators are intended to help protect the wearer by reducing their exposure to airborne contaminants from a level that may be hazardous to one that is considered safe or acceptable according to government established levels. In addition, home users cannot easily determine exposure levels nor do they have ready access to the type of training medical evaluation and fit testing needed to be in compliance with workplace respirator standards. In these situations, respirators are intended to help keep non-harmful dusts and certain particles out of your nose, mouth and lungs and with some filters help eliminate annoying odors only.

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Maximum protection for your DIY project view larger

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Protect your lungs while you sand view larger

Government-Approved Respirator

This respirator is government approved by the National Institute for Occupational Safety and Health (NIOSH) as an N95 class respirator and is designed for workplace, regulated uses and applications. NIOSH certification means the respirator has passed stringent government performance standards including filtration efficiency testing and provides at least 95% filtration efficiency solid and liquid particles that do not contain oil.

Uses

Use this respirator for particles such as those from grinding, sweeping, sawing, bagging or processing minerals, coal, iron ore, flour, metal, wood, pollen, and certain other substances. And for liquid or non-oil based particles from sprays that do not also emit oil aerosols or vapors.

Fitting Instructions

  • 1. Cup the respirator in your hand, with the nosepiece at your fingertips, allowing the headbands to hang freely below your hand.
  • 2. Position the respirator under your chin with the nosepiece up. Pull the top strap over your head resting it high at the top back of your head. Pull the bottom strap over your head and position it around the neck below the ears.
  • 3. Place your fingertips from both hands at the top of the metal nosepiece. Using two hands, mold the nose area to the shape of your nose by pushing inward while moving your fingertips down both sides of the nosepiece.
  • 4. Perform a User Seal Check prior to each wearing. To check the respirator-to-face seal, place both hands completely over the respirator and inhale sharply. Be careful not to disturb the position of the respirator. A negative pressure should be felt inside the respirator. If air leaks around the nose, readjust the nosepiece. If air leaks at the respirator edges, work the straps back along the sides of your head.
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Proper PPE should be worn when working with noxious materials

Product Features

  • Cool FlowValve reduces heat, moisture, and fogging
  • Protects against certain non-oil-based products
  • M-shaped nose clip for a comfortable fit
  • No-tangle straps for ease of use
  • Allows for easy breathability

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The Insider’s Guide to Tax-Free Real Estate: Retire Rich Using Your IRA

This guide from bestselling real estate authors de Roos and Kennedy shows you how to use tax-free retirement funds to invest in real estate. Using real estate IRAs, you can combine the tax benefits of retirement funds with the high rates of appreciation in the real estate market, growing your retirement investments by leaps and bounds. This handy book shows you how.

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Shells Key Hook

Shells Key Hook 7″ Wide x 4-1/4″ Tall Priced and sold individually. Designed and manufactured by Park Designs.

Product Features

  • Measures approx 7″ x 4.5″ x 1.25″
  • Made of Metal

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Hawaiian Vacation Packages

If paradise truly exists on Earth, it could possibly be found in Hawaii. These islands, Kauai, Oahu, Molokai, Lanai, Maui, and Big Island, are popular tourist destinations that offer terrific scenery and a wide range of activities. One of the most convenient ways to book a holiday is through companies that operate Hawaiian vacation packages. There are general deals and those that cater for weddings, anniversaries, families or sports, such as golf. The capital, Honolulu is good for nightlife and Waikiki is one of the best resorts.

Hawaii-Aloha.com offer all-inclusive deals to Oahu and Maui with hotel accommodation, activities and meals. The Carefree Vacation Package includes breakfasts, dinners and transportation. Guests are welcomed on their 8-day holiday by a limousine pick up at the airport. The Oahu tour includes surfing beaches, Polynesian dancing and a view of the 750-foot volcano, Diamond Head. The Maui tour shows more volcanoes and mountains, and waterfalls and rainforests. This Hawaiian vacation package also includes a day at a spa, time for shopping and a dinner cruise on a catamaran.

Blue Hawaii Vacations Inc. organizes breaks at the Princeville Resort hotel, overlooking Hanalei Bay. There are 250 guest rooms and suites, four first class restaurants and a lounge for live entertainment. There is plenty to do for the active, such as horseback riding, golf and zipline and kayak tours. The resort also hosts a Honeymoon and Anniversary Couples package, where guests are received with a bottle of champagne. More romance is in the air with the Experience of Love Hawaiian vacation package. Couples can book a massage for two in their room and are given champagne and his and hers bathrobes. Families are also catered for and there is the Keiki Aloha Program for children aged 5 to 12 years old, involving games and activities.

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Bikinis & Trunks – Beach Lake Pool Style Distressed Coat Hanger Board – 5 Hooks

Product Features

  • This 5-hook carved hanger will look great by the pool, outdoor shower, or in your mud room, closet or any wall where you hang beach towels, bathing suits or even use as a coat rack
  • Weathered Beach Style Wood Board with 5 metal hooks
  • Vintage white print “Bikinis & Trunks” on beach house blue background
  • Rack measures 24-1/4-in x 4-3/4-in. Hooks are spaced 4-1/4-in apart. Rack extends out from wall by 2-in.
  • Double loop hook on rear makes hanging easy (hardware not included).

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Real Estate Appraisal Principles and Procedures(AQB Approved course)

Designed to Meet 60-Hours of Appraisal Requirements for 2008 If you like our previous Real Estate Appraisal Textbook, you’ll love this new expanded text which covers the 30 hours each of appraisal principles and procedures needed to comply wiht the 2008 educational requirements of the Appraisal Standards Board of the Appraisal Foundation. This book also includes information on all the latest Fannie Mae forms, with specific instructions on how to fill out the new URAR (Uniform Residential Appraisal Report). You will also find copies of the most frequently used new forms (such as the condo form, residential income form, and manuafactured home form) in a special new appendix. Professors Huber, Messick, and Pivar once again present the “orderly process” of appraisal in a logical easy-to-follow format. It is written from the perspective of an appraiser, allowing you to learn to think like an appraiser. The authors not only inform you as to what information is needed, but also why that information is important to producting a reliable appraisal report. Soft Cover 528 pages.

Product Features

  • Used Book in Good Condition

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