by kramoltz@hotmail.com | Dec 18, 2018 | Home Ownership, Renters and Renting
The net worth of a homeowner is on average over 44 times greater than that of a renter. One way to look at it is that home ownership works as a form of forced savings. Every time home owners pay their mortgage, they are contributing to their net worth by increasing...
by kramoltz@hotmail.com | Dec 14, 2018 | Animal Stories (mostly Dogs in the Military)
In a blackout darkened alley of Paris in 1917, an American soldier stumbled over what he thought was a pile of rags. It turned out to be a scruffy terrier, who decided to not to leave the soldier’s side, even when he went to the front. “Rags” assisted the soldier in...
by kramoltz@hotmail.com | Dec 10, 2018 | Home Ownership
1. Verify the Contractor is Licensed. Verify the contractor is licensed and has the correct license for your specific project by going to www.azroc.gov, and check to see if the contractor is in good standing and has any past complaints. 2. Three Bids. Ensure you...
by kramoltz@hotmail.com | Dec 4, 2018 | Title Insurance + Escrow
Title insurance is unique. Unlike other insurance options that require monthly premiums, title insurance is charged as a one-time fee. It is paid by the buyer at closing, and is approximately equal to .5% of the purchase price. Basically it protects you and your...
![Insurance Coverage for Remodels, Part 1.]()
by kramoltz@hotmail.com | Nov 29, 2018 | Home Ownership
Are You Insured? Protect yourself during your next major remodel: 1. Make sure the contractor has insurance for not only injuries and property damage, but also negligent workmanship and injuries sustained on the job. Check also for workers’ compensation and...
