A Rising Impediment to Home Sale and Purchase On April 1st Federal Emergency Management (FEMA) and National Flood Insurance put Risk rating 2.0 into use. They termed it “Equity in Action”, an interesting term for an attempt to pull the Federal Flood Insurance program out of the historical bankrupt system that it is. “Equity in [...] Read More

One to Four Majors NOAA predicts Hurricane Season Storms The National Oceanic and Atmospheric Administration (NOAA) has published their scientific prediction for Hurricane Season Storms for 2023. Hurricane Season runs from June 1 through November 30th and the prediction is for a “near normal” season. “NOAA predicts Hurricane Season Storms" What does Near Normal look [...] Read More

Are you aware of SMISHing? How well are you protected? How well do you protect your identity? Is your phone password an easy hack like 114477, the left login keys? Do you store your usernames and passwords for important financial accounts on your phone? “How well do you protect your identity?" You could be Smished? [...] Read More

A Few Organizational Tips for your Documents What is your most important personal device? In our opinion it is your cell phone! Do you check it when you wake up, is it with you all the time wherever you travel? Let’s put it to use! Here are a few Tips! If you are the unlucky [...] Read More

Home Insurance is Following the Health Insurance Model A number of years ago with health insurance premiums escalating at an uncontrollable %, the plan for providing health insurance changed to a more severe claim response. Routine maintenance was still provided but larger deductibles applied for any condition, backed up with tax deductible Health Savings Accounts. [...] Read More

Location Still the Best Factor in Controlling Insurance Costs It may surprise you a little that if you choose California for your home with wildfires & mudslides, or Florida with hurricanes and flood, you will have very little control over your home insurance premiums. “If you have your heart set on a location to build [...] Read More