Tag Archives: property

For Those Who Live Near a Cell Antenna Base Station Tower

This is a man who stands by his convictions and went to jail because of it. We all need to take note of this and take our own action especially if this is happening near you. It is for us at Weyba. They are putting a tower near the family home even after they have had several people partition against it. Their objection fell on deaf ears.

Once you watch the video you will realize that you are being warned by the experts in their field. 

The information he has for you will shock  and make you think twice before you buy property even mildly close to these towers. 

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Tips For Talking To Your Insurance Company After A Car Accident.

calling-about-accident

After a car accident the biggest fear is that your insurance company will not come to the ‘Party’.
Hopefully that is not the case.

Amy Bach executive director consumer advocacy group United policyholders says some auto claims can get complicated by the fine print.

Ways to avoid this:

a. Do not lie.
b. Stick to the facts: It is natural to want to explain the accident beat by beat. How much should you really say.
c. Answer your questions honestly but be careful about volunteering unsolicited details. If you try to save money by being less than honest, the truth may come out.
d. Your insurer should not deny your claim because of misrepresentations, but it may raise your rates. Trying to give precise details can lead to false recounts. Instead of specifics, provide estimates is a good way to go.

Avoid assuming blame: Even if you think you were clearly to blame, there may be mitigating factors. Remember your interpretation is just that : an interpretation. Most accidents are caused by both parties. Taking the blame may feel righteous, it might not be correct. It could lead to an unwarranted rate hike or lower settlement.
 Let the investigation play out.

Get your fair compensation:

Getting a fair settlement can be a delicate situation.
For injury make sure you visit a reputable doctor. Remember any claims not documented by your doctor will not be considered.
You could be examined by a doctor who has a relationship with your insurer. So even if you have been examined by your own doctor the result my face resistance and the Insurer may want to use the opinion of their own doctor.

Property damage is usually easier:

Most states give you the right to have your car repaired at the facility of your choice. If your insurer becomes difficult about paying for the repairs consider contacting your State Department of Insurance
Make sure you make the effort to work with your insurer try not to be too adversarial. But on the other hand fight for the protection you have paid for.

Source: USA Today – Money

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10 Tips To Remember As A First-Time Home Buyer

1.Buy When YOU are ready!.
This will probably be the biggest financial commitment you will have been faced with at this stage of your life. Make sure you are psychologically ready. Don’t be pressured. Don,t buy because others tell you the time is right to enter the market. Be totally comfortable.

2. Think outside the Box.
If you are unable to afford to buy in the area of your choice. You may need to scale down the size of the home, find a larger place in a different suburb or a smaller place in a prefered suburb.

3. Look at your first purchase as stepping stone.
Your first property may not be your ideal choice but look at the big picture. In five years time, sell up and buy somewhere more desirable using the financial gain from the increase in value. (Hopefully the economy improves by then).

4. Do NOT borrow more than you can afford.
It is not just the price of the property that is in question here. That’s is only the first cost. The next cost is legal fees, bank fee’s, transaction fees, not to mention the property upkeep, and household costs. Keep the loan repayments within your means.

5. There is always another bargain around the corner.
If you miss out on a property that is great value and really tugged at you heart and feeling a little deflated. Ask any real estate agent and they will tell you there will be another property come on the market within a short time that will fit your criteria and your budget equally.

6. Don’t pay too much.
Never pay more than what the property is worth. Do your own research and understand how much similar properties in the area are selling for.

7. Keep control of your emotions.
Do not fall in love with a property that is out of reach financially, and you feel you must have it. Big mistake. Often you will overlook much-needed repairs because it is so cute and so loveable. It may need thousands of dollars of work done on it. Get a building inspector to look the place over before you make a decision. Take a friend that you know will give you an honest opinion to look at the property.

8. Be sceptical of the selling agent.
The best real estate agent will spin you the best yarn about the property. Remember they have to put food on the table and will want to make a sale to do so. It is the salesperson legal obligation to sell the property for the highest price possible. If you were selling you would expect nothing less.

9. Put a hold on the renovations.
Very tempting I know, I have been there. Hold off, don’t rush in. Give yourself time to live in the place before you attempt to make changes. Keep hold of your spare cash, if you are lucky to have some, till you are sure of what renovations you want to do. This will also help you to prioritize the work you want to do.

10. There will be light at the end of the tunnel.
Your mortgage will feel like a huge weight around your neck for the first couple of years. You will probably have to deny yourselves some treats just so you can make the payments. If you plan carefully and make those small sacrifices, after a few years more positive things begin to happen and you will be grateful for your prize possesion.

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