Massachusetts Re/Max franchise Re/Max Leading Edge on Monday announced the launch of its new insurance agency Leading Edge Insurance, according to a statement released on Monday. The full-service insurance agency, to be offered to local families in the Greater Boston …
Have you ever been captivated by an amazing story?
If you’re a human – chances are, the answer is a resounding YES.
Most of us can easily recall the best books we’ve ever read, the greatest movies we’ve seen and
The post RET012: Supercharge Your Business with the Power of Story appeared first on REtipster.
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Note: Once your order ships, you can go into your Amazon account and cancel your subscription if you don’t want recurring orders.
Furnace maintenance is particularly important at this time of year since a broken or inefficient heating unit can cost you money on your energy bills and make your home unlivable when the weather gets cold. Thankfully, keeping your furnace running smoothly and efficiently is easier than you might think-as long as you follow a few key steps. Here are some top furnace maintenance tips to keep you and your family cozy this winter:
1. Give your unit a once-over
The first thing you need to do when maintaining your furnace is a spot-check of the entire system. Visually check your furnace for any signs of damage-warning signs generally include combustion residue or soot around the unit, cracks in your ducts, and debris around the flue and/or vents. Make sure the pilot light is on and that the flame is a steady blue, not flickering yellow or orange. Finally, dont forget to inspect exterior vents and the portions of your HVAC systems that are kept outside since any debris or buildup of leaves, snow, and ice can wreak havoc on your system over the winter and make your unit unusable in the spring and summer months.
2. Clean out your vents
Although it may seem obvious, cleaning the heating vents around your home is one of the most important regular furnace maintenance jobs you can do and requires little to no specialist knowledge. In order to keep your furnace running efficiently throughout the winter, make sure to vacuum your floor vents and remove dust and debris from all of your vents throughout the house. In addition to helping your furnace work better, this basic cleaning task will drastically improve the air quality in your home (a dirty furnace vent will just blow dust and other particles around your home whenever the heating comes on).
3. Inspect furnace filters
If you dont mind doing some DIY furnace maintenance, you can inspect and clean the filters inside your furnace on your own. However, before you open your furnace unit, make sure it is completely cooled and switched off. Disposable filters-usually made from fiberglass or pleated fabric paper-should be changed around every three months, while permanent filters should be washed and cleaned regularly during the heating season as best practice.
4. Bring in a professional
There are countless step-by-step tutorials across the internet that can help you complete your regular furnace maintenance on your own. However, if DIY repairs are not your strong suit, you can always call your HVAC professional to come and check out your furnace. In fact, an annual furnace maintenance completed by a professional is often recommended over DIY repairs, since HVAC is such a specialized and potentially dangerous field. Professionals are trained to safely check and repair your furnace regardless of its current state, and an annual maintenance visit wont break the bank (costing roughly $100 per visit, depending on the area you live in and the type of furnace you have).
5. Protect your home
After youve successfully inspected, cleaned, and repaired your furnace, you can further ensure […]
The post Furnace Maintenance Tips to Keep You Cozy This Winter appeared first on Homes.com.
It looks like we’ve got “the View” of Rosie O’Donnell‘s real estate deals. The actress and former talk-show co-host has put her huge Hudson River compound in Nyack, NY, on the market for $10.79 million, according to the New York Post.
The five adjoining homes can be purchased separately or together, and offer a range of styles, from modern to Colonial. Hamid Moghadam of Ellis Sotheby’s International Realty has the listing. Altogether, the compound measures in at about 2.4 acres.
The 55-year-old comedian and activist purchased the five adjoining properties, just 40 minutes from Manhattan, in a series of transactions between May 2001 and January 2008 for a total of $8.6 million, according to Variety.
The main home, a Dutch Colonial built in 1906, is available on its own for $5.3 million. It includes a 130-foot boat dock plus four floating docks, a swimming pool, sport court, two master suites, a great room, and home theater. The kitchen features floor-to-ceiling windows and a large center island. The home’s second level offers four large bedrooms.
The second-largest home, another Dutch Colonial, is available separately for $2.2 million. It’s in pristine condition and includes a wraparound porch and waterfront fire pit.
Also included are a newly renovated three-bedroom contemporary with a boat slip, four bedrooms, and 12-foot-high ceilings; a one-bedroom rancher; and a three-bedroom contemporary with Hudson views.
The potential sell-off of vacation properties will hardly leave O’Donnell homeless. She recently snapped up an $8 million penthouse in Midtown, as we reported this summer.
She also unloaded a West Village property in 2014 for $9 million, which she had purchased just two years before. O’Donnell has also been trying to unload a West Palm Beach property, which is still available for $5.5 million.
Perhaps the actress is looking to focus on her work instead of her vacation plans. She’s starring in a new TV series, “SMILF,” which premiered this month.
The post Rosie O’Donnell Lists Her 5-Home Compound in New York for $11M appeared first on Real Estate News & Insights | realtor.com®.
Baby, it’s cold outside.
WithEquifaxand other companies reportingmassive data breaches this year, more consumers areputting a freeze on their credit reports. And while a credit freeze won’t affect a borrower’s ability to qualify for a mortgage, it does require the borrower to take additional steps during the application process.
A credit freeze blocks anyone-including lenders and employers-from accessing your credit report. Requests for a credit freeze must be submitted by mail, online or over the phone to the three major credit bureaus individually (Equifax, TransUnion and Experian). You’ll need to provide your name, address, date of birth and Social Security number. The fees vary by state but run from free to $10 each time you place or lift the freeze, and payments can be made using a personal check, money order or credit card. (Fees may be waived for victims of identity theft.)
Once placed, acredit freeze stays on your credit reportuntil you lift or remove it. But remember: It can affect your ability to get a new cellphone, apply for a store credit card or even get a job. And existing creditors or debt collectors acting on their behalf will still have access.
Freezing your credit can prevent others from opening new lines of credit in your name, but it also prevents you from opening an account yourself, says Sam Mischner, chief sales officer and head of mortgage at Charlotte, N.C.-based LendingTree. If you’ve instituted a freeze on your credit but now want to apply for a loan, you will need to take the extra step of allowing the lender access to your credit. You will have to contact each credit bureau to temporarily lift the freeze.
For borrowers applying for a mortgage, that freeze will probably only have to be lifted once, because the credit report would be good for the typical 30- to 45-day period from contract to closing, says Josh Moffitt, founder and president of Silverton Mortgage Specialists, a direct-mortgage lender in Atlanta. But there are certain situations where another report needs to be pulled by the lender nearer to the closing. In that case, the borrower may have to lift the freeze-and pay for it-multiple times.
In addition, borrowers might run into problems in competitive housing markets where they need to close quickly. In those instances, it might be tricky to unfreeze the credit in time for the lender to pull credit reports and complete the underwriting and pre-closing process.
Here are a few considerations if you’re applying for a mortgage with frozen credit.
While freezing your credit protects you from the time the freeze becomes effective, it does nothing to correct existing credit issues. Get a copy of your credit report from each of the three reporting agencies, check them carefully and correct any errors before you apply for a mortgage.
While a credit freeze locks down your credit, a fraud alert still allows creditors to pull your credit report as long as they verify your identity first, according to the Federal Trade Commission. For example, a business may call you to verify that you are the person requesting new credit. However, while fraud alerts may make it more difficult for others to open new credit accounts in your name, they may not prevent misuse of your existing accounts. Placing a fraud alert is easier than with a freeze. You need only to contact one of the reporting agencies, which in turn is required to notify the others. A fraud alert is free.
Know how the freeze works
Understand the logistics of lifting the freeze-and make sure you allow enough time for the lender to pull credit reports. Consumers who deal directly with the three credit-reporting agencies are given a personal identification number to provide, either by phone, online or mail, every time they want to lift or remove the freeze, according to David M. Blumberg, a spokesman for TransUnion. Alternatively, consumers can lock or unlock their credit using a third-party service like TransUnion’s TrueIdentity, which is available online or in an app.
Here is contact information for fraud and identity-theft issues.
If you’ve been tempted to get in on the blockchain currency racket, first read tech writer Mark Frauenfelder’s story of losing access to $30,000 in bitcoin. Ask yourself if you could handle the stress of trying to guess a seven-digit PIN, knowing that every time you guessed wrong, your money would get locked away for