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What are the Different Types of Septic Systems? How are they Different than Sewer?

December 7, 2023 No Comments

Septic systems and sewer systems are both used for wastewater management, but they operate in different ways and are suitable for different situations. Here’s an overview of the two and some common types of septic systems:

Sewer Systems:

Public Sewer Systems: In urban and suburban areas, public sewer systems are common. Wastewater from homes and businesses is collected in a network of underground pipes and transported to a centralized wastewater treatment plant. At the treatment plant, the wastewater undergoes various processes to remove contaminants before being discharged or reused.

Septic Systems:

Conventional Septic Systems: This is the most basic type of septic system. It consists of a septic tank and a drainfield. Wastewater from the house flows into the septic tank, where solids settle and are partially broken down by bacteria. The liquid portion then flows into the drainfield, where it is further treated by soil.
Aerobic Treatment Units (ATUs): These systems use oxygen to enhance the bacterial action in the septic tank, promoting more effective treatment of wastewater. ATUs are often used in areas where the soil conditions are not suitable for conventional systems.

Types of Aerobic Treatment Units

Pressure Distribution Systems: In this type of septic system, a pump is used to distribute effluent evenly across the drainfield. This can be necessary in areas with high water tables or poor soil conditions. What is effluent? It is liquid waste or sewage.
Mound Systems: Mound systems are used when the soil has low permeability (the ability for a substance to pass through another) or a high water table. Wastewater is pumped to an elevated mound of sand or gravel, allowing for additional treatment before it percolates into the natural soil. These mounds tend to need to be rebuilt more frequently so carefully consider that when looking at homes with these systems.
Drip Distribution Systems: Similar to pressure distribution systems, but instead of using pipes to distribute effluent, a network of small-diameter plastic pipes with drip emitters evenly distributes the wastewater over the drain field.
Constructed Wetlands: This type of system uses natural processes in a wetland environment to treat wastewater. The wetland plants and microorganisms in the soil help break down and filter contaminants.

Differences Between Septic and Sewer Systems:

Ownership and Maintenance: Septic systems are privately owned and maintained by individual property owners, while sewer systems are typically owned and operated by municipalities or utility companies.
Location: Septic systems are common in rural and suburban areas where public sewer systems are not available or practical. Sewer systems are prevalent in urban areas.
Cost: Installing a septic system is generally cheaper than connecting to a public sewer system, but long-term maintenance costs can vary.
Environmental Impact: Properly designed and maintained septic systems can have a minimal environmental impact, while sewer systems can have a larger ecological footprint, especially if there are issues with the treatment plant or sewer line leaks.

The choice between a septic system and a sewer system often depends on factors such as property location, soil conditions, and local regulations.

If you know someone looking to move near a military base – please send them our website below where we provide loads of base information.

___________________________________________________________________________________________________________

If you are looking for a home in Washington – check us out at www.kelseyandjorge.com

Blog, Family, Finances, Housing, Maintenance, Money, Moving

What Is A Settlement Statement?

November 29, 2023 No Comments

A settlement statement, also known as a closing statement or HUD-1 (Housing and Urban Development-1) form in the United States, is a document used in real estate transactions to outline the details of a property sale. It provides a summary of all the financial transactions that occur between the buyer and the seller during the closing process.

The settlement statement typically includes details such as the purchase price, loan amount, down payment, closing costs, and any adjustments or credits related to the transaction. It also outlines the distribution of funds among the parties involved, including the buyer, seller, real estate agents, and lenders.

The purpose of the settlement statement is to provide a transparent breakdown of all the costs and payments associated with the real estate transaction. It is usually prepared by the closing agent or settlement agent and is reviewed and signed by both the buyer and the seller at the closing of the sale. The form may vary by location, and different countries or regions may have their own specific documentation for closing real estate transactions.

If you know someone looking to move near a military base – please send them our website below where we provide loads of base information.

___________________________________________________________________________________________________________

If you are looking for a home in Washington – check us out at www.kelseyandjorge.com

Blog, Education, Housing, Military, Moving

7 Reasons You Need Title Insurance

November 15, 2023 No Comments

Buying a home is an exciting and emotional time for many people. To help you buy, your home with more confidence, make sure you get owner’s title insurance.

Here’s why it’s so important for you:

1. PROTECTS YOUR LARGEST INVESTMENT

– A home is probably the single largest investment you will make in your life. You insure everything else that’s valuable to you—your life, car, health, pets, etc., so why not your largest investment? For a one- time fee, owner’s title insurance protects your property rights for as long as you or your heirs own your home.

2. REDUCES YOUR RISK

– If you’re buying a home, there are many hidden issues that may pop up only after you purchase your home. Getting an owner’s title insurance policy is the best way to protect yourself from unforeseen legal and financial title discrepancies. Don’t think it will happen to you? Think again.

Unexpected title claims include:

• outstanding mortgages and judgments, or a lien against the property because the seller has not paid his taxes
• pending legal action against the property that could affect you
• an unknown heir of a previous owner who is claiming ownership of the property

3. YOU CAN’T BEAT THE VALUE

– Owner’s title insurance is a one-time fee that’s very low relative to the value it provides. It typically costs around 0.5% of the home’s purchase price.

4. COVERS YOUR HEIRS

– As long as you or your heirs own your home, owner’s title insurance protects your property rights.

5. NOTHING COMPARES

– Homeowners insurance and warranties protect only the structure and belongings of your home. Getting owner’s title insurance ensures your family’s property rights stay protected.

6. 8 IN 10 HOMEBUYERS AGREE

– Each year, more than 80% of America’s homebuyers choose to get owner’s title insurance.

7. PEACE OF MIND

– If you’re buying a home, owner’s title insurance lets you rest assured, knowing that you’re protected from inheriting any existing debts or legal problems, once you’ve closed on your new home.

If you know someone looking to move near a military base – please send them our website below where we provide loads of base information.

__________________________________________________________________________________________________________

If you are looking for a home in Washington – check us out at www.kelseyandjorge.com

Blog, Housing, Military, Moving

What is Title Insurance?

November 8, 2023 No Comments

Title insurance is a type of insurance policy that provides protection to property owners and lenders against financial losses related to covered defects or issues with the title of a property. The title of a property is the legal evidence of ownership and right to use the property, and it can be affected by various factors that may not be immediately apparent. The title policy helps ensure that the property’s ownership is clear and free from any legal disputes or claims.

Here’s how it works:

1. Title Search: Before issuing a title insurance policy, a thorough title search is conducted by a title company. This search examines public records to determine the history of the property’s ownership and any potential issues with the title, such as unpaid liens, encumbrances, or claims against the property.

2. Policy Issuance: After the title search is completed, the title insurance company issues a title commitment, followed by the title insurance policy after closing. There are two types of title insurance policies: owner’s title insurance and lender’s title insurance.

– Owner’s Title Insurance: This policy protects the property owner, and their heirs, against financial losses if any covered title issues arise in the future. It lasts for as long as the owner owns the property.

– Lender’s Title Insurance: This policy protects the mortgage lender’s interests in the property. It is usually required by lenders when you take out a mortgage loan to purchase a property or refinance it.

3. Protection: If a covered title issue arises after the property purchase, the policy covers the legal fees and costs associated with resolving the problem. If the property owner or lender suffers a financial loss due to a valid claim against the title, the insurance policy will compensate them, up to the policy’s remaining balance. In the event of a problem, the title insurer will, at its own expense, defend the title and pay losses up to the policy amount to satisfy any valid claim.

Common title issues that it can protect against include:

– Forgery or Fraud: If someone forges a signature on a property deed or engages in fraudulent activity related to the property’s ownership.

– Unpaid Liens: If there are unpaid debts or liens on the property that weren’t discovered during the title search.

– Errors in Public Records: If there are mistakes or errors in the public records related to the property.

– Missing Heirs or Undisclosed Owners: If there are unknown heirs or undisclosed co-owners who claim an interest in the property.

Title insurance is typically a one-time premium paid at the time of the property purchase and provides ongoing protection as long as you or your lender have an interest in the property. It’s an important safeguard to ensure that your investment in real estate is protected from unforeseen title-related issues that could threaten your ownership or the lender’s security interest in the property.

If you know someone looking to move near a military base – please send them our website below where we provide loads of base information.

___________________________________________________________________________________________________

If you are looking for a home in Washington – check us out at www.kelseyandjorge.com

Blog, Finances, Housing, Maintenance, Money, Moving

Do I Need Flood Insurance?

November 1, 2023 No Comments

Whether you need flood insurance depends on several factors, including where you live, your risk of flooding, and your financial situation.

Here are some key points to consider:

1. Location: The most critical factor in determining whether you need flood insurance is your location. If you live in an area prone to flooding, such as a floodplain, coastal region, or near a river, you are at higher risk and may be required to have flood insurance. FEMA (Federal Emergency Management Agency) designates flood zones and can provide information about your property’s flood risk.

2. Mortgage Requirement: If you have a mortgage on your home, your lender may require you to carry flood insurance if your property is in a high-risk flood zone. Lenders want to protect their investment in case of flood damage.

3. Flood Risk: Even if you’re not in a high-risk area, it’s essential to assess your flood risk. Flooding can occur from various sources, including heavy rainfall, snowmelt, storm surges, and dam failures. If you live in a low- to moderate-risk area, you may still choose to purchase flood insurance for added protection.

4. Financial Situation: Consider your ability to absorb the financial impact of flood damage. Standard homeowners’ insurance policies typically do not cover flood damage. If you can’t afford to repair or replace your home and belongings without insurance, flood insurance may be a wise investment.

5. Cost: The cost of flood insurance varies depending on your location and the level of coverage you choose. FEMA’s National Flood Insurance Program (NFIP) offers coverage in many areas, and private insurers may also provide policies. You can obtain quotes to determine the cost of coverage for your specific situation.

6. Government Assistance: In the event of a federally declared disaster, you may be eligible for government assistance, but this assistance is often in the form of loans that need to be repaid. Having flood insurance can provide more immediate and comprehensive coverage.

7. Peace of Mind: Even if you’re not legally required to have flood insurance, it can provide peace of mind knowing that you have financial protection in case of a flood-related disaster.

It’s essential to assess your specific circumstances, consult with local insurance experts, and review FEMA’s flood maps to determine your flood risk. While flood insurance may not be necessary for everyone, it’s a valuable safeguard for those at risk of flooding, and it can help protect your home and assets in the event of a flood-related disaster.

If you know someone looking to move near a military base – please send them our website below where we provide loads of base information.

___________________________________________________________________________________________________

If you are looking for a home in Washington – check us out at www.kelseyandjorge.com

Blog, Housing, Maintenance, Money, Moving

Do I Have To Disclose Problems With My House?

October 18, 2023 No Comments

I know of issues with my home. Do I need to disclose them? Yes, in most jurisdictions, you are legally obligated to disclose known problems with your house when selling it. This is typically done through a document called a “Seller’s Disclosure” or “Property Disclosure Statement,” which varies in format and requirements depending on your location. The purpose of this disclosure is to inform potential buyers about the condition of the property, including any defects or issues that could affect its value or safety.

The specific requirements for what you need to disclose can vary by state or country, but common items to disclose may include:

1. Structural issues: Such as a leaky roof, foundation problems, or issues with walls or floors.
2. Environmental concerns: Such as the presence of asbestos, lead-based paint, or mold.
3. Mechanical systems: Problems with heating, cooling, plumbing, or electrical systems.
4. Pest infestations: If your property has or had issues with pests like termites.

5. Water damage or flooding history: Any history of water damage or flooding, even if it has been repaired.
6. Legal or zoning issues: Such as property line disputes or violations of local zoning laws.
7. Repairs or renovations: Details about any recent repairs, renovations, or remodeling work done on the property.

Failing to disclose known issues could lead to legal consequences, such as the potential for the buyer to sue you for nondisclosure after the sale. It’s generally in your best interest to be honest and transparent about the condition of your property to avoid future legal problems.

To ensure compliance with local laws and regulations regarding property disclosure, it’s advisable to consult with a real estate attorney or a qualified real estate agent who can guide you through the process and provide specific advice based on your location and circumstances.

If you know someone looking to move near a military base – please send them our website below where we provide loads of base information.

___________________________________________________________________________________________________

If you are looking for a home in Washington – check us out at www.kelseyandjorge.com

Blog, Finances, Housing, Money

Should I Pay For Points When Buying a House?

October 11, 2023 No Comments

Whether or not you should pay for points when buying a house depends on your specific financial situation and long-term goals. Points, in the context of a mortgage, are a form of prepaid interest that can lower your mortgage interest rate over the life of the loan. Each point typically costs 1% of the total loan amount and can lower your interest rate by a certain percentage, often 0.25% per point, although this can vary.

Here are some factors to consider when deciding whether to pay for points:

1. Your Financial Situation:
– Do you have the funds available to pay for points upfront without straining your finances?
– Will paying for points affect your ability to cover other homeownership costs like a down payment, closing costs, and moving expenses?

2. How Long You Plan to Stay in the Home:
– If you plan to stay in the home for a long time, paying for points can make sense because the lower interest rate will save you money over the life of the loan.
– If you plan to sell or refinance the home relatively soon, it may not be cost-effective to pay for points, as you may not recoup the upfront cost through interest savings.

3. Your Monthly Budget:
– Consider how paying for points will affect your monthly mortgage payment. A lower interest rate will reduce your monthly payment, which can be beneficial if it helps you afford the home comfortably.

4. Break-Even Point:
– Calculate the break-even point to determine how long it will take to recoup the upfront cost of the points through lower monthly payments. If you plan to stay in the home beyond the break-even point, paying for points can be financially advantageous.

5. Consult a Mortgage Professional:
– Talk to a mortgage broker or lender to get personalized advice. They can provide you with specific cost-saving scenarios based on your loan amount, interest rate, and the number of points you’re considering.

Let’s look at a situation where it may or may not make sense. Let’s say you are buying a house and you are considering whether or not to pay for points. The mortgage will cost $2,000 a month without paying any points (the par rate). You decide to pay for 2 points and this costs you $3,600 – remember this is just a made-up problem to understand the concept. That 2 points will save you $50 a month on your mortgage (or $1,950).

Should you buy the points? Well $50 x 12 = $600. This is how much you will save in 1 year. But it costs $3,600 total. Therefore, you will need to be in the home for at least 6 years before those points will start to pay off. If you plan to be in the home for over 6 years, you may want to consider it (should you have the funds to do so). If you plan to be in the home less than that amount, then it may not be worth buying them.

In summary, paying for points can be a good financial strategy if you plan to stay in the home for an extended period and have the financial means to do so without jeopardizing your other financial goals. However, it’s essential to run the numbers and consider your individual circumstances to determine whether paying for points makes sense in your particular situation.

If you know someone looking to move near a military base – please send them our website below where we provide loads of base information.

___________________________________________________________________________________________________

If you are looking for a home in Washington – check us out at www.kelseyandjorge.com

Blog, Finances, Housing, Money, Moving

How Do First Time Home Buyer Programs Work

October 4, 2023 No Comments

First-time homebuyer programs are designed to assist individuals who are purchasing their first home by providing financial incentives, guidance, and support. These programs vary by location and can be offered at the federal, state, or local level. Here’s a general overview of how these programs typically work:

1. Eligibility Requirements:
– First-time buyer status: Typically, you must be a true first-time homebuyer, meaning you haven’t owned a home in the past several years. The exact definition of a first-time buyer may vary by program.
– Income limits: Many programs have income limits to ensure assistance goes to those who need it most.
– Home price limits: There may be restrictions on the maximum purchase price of the home you can buy.
– Credit score: You may need to have a minimum credit score to qualify for certain programs.
– Homeownership education: Some programs require completion of homebuyer education courses.

2. Financial Assistance:
– Down payment assistance: Programs often provide grants, loans, or forgivable loans to help cover the down payment and closing costs.
– Low-interest loans: Some programs offer low-interest or zero-interest loans to help with the purchase.
– Tax credits: Certain programs offer tax credits that can reduce your overall tax liability, making homeownership more affordable.

3. Types of First-Time Homebuyer Programs:
– Federal programs: The Federal Housing Administration (FHA) and the Department of Veterans Affairs (VA) offer loan programs with low down payment requirements and favorable terms for eligible buyers.
– State programs: Many states have their own first-time homebuyer programs that may include down payment assistance, low-interest loans, or tax credits.
– Local programs: Some cities and counties have additional programs to support first-time homebuyers.

4. Application Process:
– Research available programs: Start by researching the programs available in your area and identifying those for which you qualify.
– Apply for pre-approval: Get pre-approved for a mortgage to determine how much you can borrow and what you can afford.
– Apply for the first-time homebuyer program: Submit an application for the specific program you want to use, providing the necessary documentation and meeting any requirements.

5. Home Purchase:
– Once approved for a program, you can start searching for a home within the program’s guidelines.
– Use the program’s financial assistance to cover down payment and closing costs.
– Close on the home with the assistance of a real estate agent and lender.

6. Program Obligations:
– Some programs may require you to live in the home as your primary residence for a certain period to maintain eligibility.
– Others may have restrictions on selling the home or refinancing within a specified timeframe.

It’s important to note that the specifics of first-time homebuyer programs can vary widely depending on your location and the program itself. Be sure to carefully read and understand the terms and conditions of any program you’re considering and consult with a local housing counselor or financial advisor for personalized guidance.

If you know someone looking to move near a military base – please send them our website below where we provide loads of base information.

__________________________________________________________________________________________________________

If you are looking for a home in Washington – check us out at www.kelseyandjorge.com

Finances, Housing, Maintenance, Money

VA Appraisals: What Items Will They Call

September 28, 2023 No Comments

During a VA (Department of Veterans Affairs) home appraisal, the appraiser’s primary goal is to determine the value of the property and ensure it meets the VA’s minimum property requirements (MPRs).

The MPRs are in place to ensure that the home is safe, sanitary, and structurally sound for veterans and their families. Here are some common safety items that an appraiser may call out during a VA home appraisal:

Structural Issues: The appraiser will look for any significant structural problems, such as a sagging roof, foundation issues, or serious cracks in the walls. These issues can pose safety risks and may need to be addressed.
Roof Condition: A damaged or deteriorating roof can lead to leaks and structural issues. The appraiser will assess the condition of the roof and may recommend repairs or replacement if necessary.
Electrical Systems: Faulty wiring, outdated electrical panels, or other electrical hazards can be safety concerns. The appraiser will check the electrical system for compliance with local building codes.
Plumbing Issues: Leaking pipes, inadequate plumbing systems, or water damage can be safety and sanitation concerns. The appraiser will evaluate the plumbing to ensure it is in good working order.
Heating and Cooling Systems: Inadequate or malfunctioning heating and cooling systems can affect the habitability of the home. The appraiser will assess these systems to ensure they are functional.
Water Heater: The appraiser will check the condition and safety of the water heater. If there are any signs of corrosion or other issues, they may recommend replacement.

Mold and Mildew: The presence of mold and mildew can be a health hazard. The appraiser will look for signs of mold and moisture issues.
Lead-Based Paint: If the home was built before 1978, the appraiser will check for the presence of lead-based paint. If found, it must be properly addressed and mitigated.
Radon Gas: In areas known for high radon levels, the appraiser may recommend testing for radon gas and mitigation if levels are elevated.
Accessibility: For homes designated for disabled veterans, the appraiser will assess accessibility features, such as ramps, handrails, and wider doorways, to ensure they meet VA standards.
Safety Hazards: The appraiser will look for any safety hazards, such as exposed wiring, broken windows, or tripping hazards, and may recommend repairs or improvements.
Pest Infestations: The presence of pests, such as termites or rodents, can be a safety concern. The appraiser will look for signs of infestations.

It’s important to note that the specific requirements and standards for VA appraisals may vary depending on the location of the property and changes in VA guidelines over time. If safety issues are identified during the appraisal, they may need to be addressed by the seller or the buyer before the loan can be approved. Veterans and their families should have homes that meet these safety and habitability standards.

If you know someone looking to move near a military base – please send them our website below where we provide loads of base information.

__________________________________________________________________________________________________________

If you are looking for a home in Washington – check us out at www.kelseyandjorge.com

Family, Finances, Housing

The Pros and Cons of Buying New Construction

September 7, 2023 No Comments

Buying a new construction home can offer several advantages, but it also comes with its own set of drawbacks. To make an informed decision, consider the following pros and cons of purchasing a newly built home:

Pros of Buying a New Construction Home:

Customization: Many builders allow buyers to customize various aspects of the home, including floor plans, finishes, and sometimes even the layout. This enables you to create a living space tailored to your preferences.
Energy Efficiency: New homes are often designed with the latest energy-efficient technologies, such as energy-efficient appliances, windows, insulation, and heating/cooling systems. This can lead to lower utility bills and a reduced environmental impact.
Warranty: New construction homes typically come with warranties that cover structural issues and major systems for a certain period (e.g., 10 years). This provides peace of mind and protection against unexpected repair costs.
Modern Amenities: New homes often feature contemporary amenities and design trends, such as open floor plans, large walk-in closets, high ceilings, and updated kitchens and bathrooms.
Reduced Maintenance: Since everything is brand new, you’re less likely to encounter immediate maintenance and repair issues that older homes might have. This can save you time and money in the short term.
Safety and Building Codes: New homes are built to current building codes and safety standards, which can provide a higher level of structural integrity and safety compared to older homes.
Technology Integration: New homes are often equipped with modern technology, such as smart home features like security systems, built-in speakers, and programmable thermostats.

Cons of Buying a New Construction Home:

Higher Cost: New construction homes typically come with a premium price tag compared to older homes with similar square footage and location. You may pay more for the convenience and newness.
Limited Character: Some people prefer the character and uniqueness of older homes, which may have historic charm or architectural details that newer homes lack.
Incomplete Landscaping: Newly constructed homes may have bare yards without mature trees or landscaping. It can take time and effort to create an outdoor space that matches your vision.
New Neighborhood Development: If you move into a newly developed area, it might take time for essential amenities like schools, shopping centers, and public transportation to become available.
Punch List Items: After moving in, you may discover minor issues or incomplete work that need to be addressed. Builders often provide a “punch list” to fix such problems, but it can be inconvenient.
Limited Room for Negotiation: Builders may be less willing to negotiate on price compared to individual sellers of older homes. However, there could still be room for negotiation on upgrades or closing costs.
Unforeseen Issues: While new homes are less likely to have immediate maintenance problems, they can still have construction defects or issues that become apparent over time.

In summary, buying a newly constructed home offers modern amenities, energy efficiency, and peace of mind with warranties, but it can come with a higher cost and potential drawbacks like limited character and incomplete landscaping. It’s essential to carefully weigh these pros and cons and consider your personal preferences and priorities before making a decision. Additionally, conducting thorough research and inspections during the home-buying process is crucial to ensure the quality of the newly constructed property.

If you know someone looking to move near a military base – please send them our website below where we provide loads of base information.

___________________________________________________________________________________________________

If you are looking for a home in Washington – check us out at www.kelseyandjorge.com

Family, Finances, Housing, Moving

Essential Tips for First Time Home Buyers

August 30, 2023 No Comments

Certainly buying a home for the first-time can be an exciting yet daunting experience.

Here are some essential tips to help you navigate the process and make informed decisions:

Assess Your Finances:

Review your financial situation and determine how much you can comfortably afford for a down payment, monthly mortgage payments, property taxes, insurance, and maintenance costs.

Set a Realistic Budget:

Based on your financial assessment, set a clear budget for your home purchase. First-time homebuyers should remember to consider additional costs such as closing costs, moving expenses, and potential renovations.

Check Your Credit Score:

A good credit score is crucial for obtaining a favorable mortgage rate. Review your credit report, correct any errors, and work on improving your credit score if needed.

Pre-Approval for a Mortgage:

Get pre-approved for a mortgage before you start house hunting. This will help you understand your budget and show sellers that you’re a serious buyer.

Work with a Realtor:

A qualified real estate agent can guide you through the buying process, help you find suitable properties, negotiate offers, and provide valuable insights about the local market.

Location and Research:

Research the neighborhoods you’re interested in. Consider factors like proximity to work, schools, public transportation, and amenities.

Prioritize Your Needs:

Make a list of your must-haves and nice-to-haves in a home. This will help you narrow down your options and focus on properties that align with your priorities.

Home Inspection:

Once you’ve found a potential home, invest in a professional home inspection to uncover any underlying issues that might not be apparent at first glance.

Negotiate Wisely:

Don’t hesitate to negotiate the price and terms of the deal. Your real estate agent can provide guidance on making a competitive offer.

Understand Closing Costs:

Closing costs include various fees associated with the home purchase, such as attorney fees, title insurance, appraisal fees, and more. Be prepared for these additional costs.

Read Contracts Carefully:

Review all contracts and documents carefully before signing. If something is unclear, seek legal advice or clarification from your real estate agent.

Future Resale Value:

While buying a home is a personal decision, consider the potential resale value of the property in case you decide to move in the future.

Don’t Rush:

Take your time to find the right property. Rushing into a decision could lead to regrets later on.

Emergency Fund:

It’s a good idea to have an emergency fund in place to cover unexpected home repairs or other financial challenges that may arise after the purchase.

Learn About Homeownership:

Educate yourself about the responsibilities of homeownership, including maintenance tasks, property taxes, homeowners’ association (HOA) rules (if applicable), and local regulations.

Remember that every real estate market is unique, so these tips should be adapted to your specific circumstances and location. With careful planning and research, you can make your first-home buying experience a successful one-

If you know someone looking to move near a military base – please send them our website below where we provide loads of base information.

If you are looking for a home in Washington – check us out at www.kelseyandjorge.com

Finances, Money, Money

Tips for Maximizing the Sale Price of Your Home

August 4, 2023 No Comments

Selling a home is a significant financial transaction, and maximizing the sale price is often a top priority for sellers. Here are some tips to help you negotiate the best deal and get the highest price possible for your home:

Prepare your home: First impressions matter. Ensure that your home is clean, well-maintained, and decluttered. Consider making small repairs and improvements to enhance its appeal. Staging your home can also make it more attractive to potential buyers.
Research the market: Understand the real estate market in your area. Look at recent sales of similar properties in your neighborhood to get an idea of the current market value. This will help you set a competitive and realistic listing price.
Hire a skilled real estate agent: A knowledgeable and experienced real estate agent can be instrumental in getting the best deal. They can provide valuable insights, market your property effectively, and negotiate on your behalf.
Price competitively: Setting the right price is crucial. Overpricing might discourage potential buyers, while underpricing might lead to leaving money on the table. Your real estate agent can help you determine the optimal listing price based on market conditions and comparable sales.

Create a sense of urgency: Buyers may be more inclined to offer a higher price if they believe there’s competition for the property. If possible, strategically time your listing to generate interest and multiple offers.
Showcase unique features: Emphasize the unique and desirable aspects of your home. Whether it’s a stunning view, a beautifully landscaped garden, or modern amenities, highlighting these features can justify a higher asking price.
Be flexible with negotiation: Be prepared for negotiations and be willing to compromise on certain aspects of the sale, such as closing dates or minor repairs. Being flexible can encourage buyers to meet your price expectations.
Disclose all relevant information: Honesty is essential in real estate transactions. Be transparent about the condition of your home and disclose any known issues upfront. Buyers will appreciate your integrity, and it can lead to smoother negotiations.
Consider pre-inspection: Getting a pre-inspection can identify potential problems before listing your home. Fixing these issues in advance can make your property more appealing to buyers and prevent price negotiations based on repair estimates.
Stay informed and patient: Selling a home can take time, and the negotiation process might involve several rounds of counteroffers. Stay informed about market trends and remain patient throughout the process.

Remember that the final sale price of your home will depend on various factors, including market conditions, location, and the level of demand. By following these tips and working with a skilled real estate agent, you can increase the likelihood of securing the best possible deal for your home.

If you know someone looking to move near a military base – please send them our website below where we provide loads of base information.

Finances, Money

Energy-Efficient Upgrades for New Homeowners

July 26, 2023 No Comments

Congratulations on becoming a new homeowner! Energy-efficient upgrades can not only reduce your utility bills but also help you contribute to a more sustainable environment.

Here are some energy-efficient upgrades you can consider:

LED Lighting: Replace traditional incandescent bulbs with energy-efficient LED lights. LEDs use significantly less energy and have a longer lifespan, saving you money on replacements.
Smart Thermostat: Install a programmable or smart thermostat that can adjust the temperature based on your schedule. This helps optimize heating and cooling, saving energy when you’re not at home or asleep.
Sealing and Insulation: Check for air leaks around windows, doors, and other openings. Properly seal gaps and add insulation in attics, walls, and basements to improve energy efficiency and maintain a comfortable indoor temperature.
Energy-Efficient Appliances: When it’s time to replace old appliances, choose energy-efficient models with the ENERGY STAR label. These appliances are designed to use less energy without compromising performance.

Solar Panels: If your budget allows, consider installing solar panels to generate clean and renewable energy. Over time, they can significantly reduce your electricity bills and decrease your carbon footprint.
Energy-Efficient Windows: Upgrade to energy-efficient windows with double or triple glazing to better insulate your home. These windows can help regulate indoor temperatures and reduce the need for heating and cooling.
Water-Saving Fixtures: Replace old toilets, faucets, and showerheads with water-saving models. This can reduce water consumption and lower your water bills.
Energy-Efficient Heating and Cooling Systems: If your home’s HVAC system is outdated, consider upgrading to a more energy-efficient system. Modern heat pumps and high-efficiency furnaces or air conditioners can help save energy and money.

Energy Audit: Consider getting a professional energy audit to identify areas where your home can improve energy efficiency. This will help you prioritize upgrades based on the most significant energy-saving opportunities.

Energy-Efficient Landscaping: Plant shade trees around your home to reduce the amount of direct sunlight hitting your house during hot summer months. This can help lower cooling costs.

Smart Power Strips: Use smart power strips to automatically turn off power to electronic devices that are in standby mode. Many electronics continue to draw power even when not in use, which can be eliminated with smart power strips.
Insulated Water Heater: If your water heater is located in an unheated area, consider insulating it to reduce heat loss and energy consumption.

Remember, energy-efficient upgrades not only save you money in the long run but also make your home more appealing to future buyers if you decide to sell. Start with the upgrades that fit your budget and prioritize the ones that will have the most significant impact on your energy usage.

If you know someone looking to move near a military base – please send them our website below where we provide loads of base information.

Blog, Finances, Money, Rental

How to Spot a Rental Scam

July 13, 2023 No Comments

Spotting a rental scam can be crucial in protecting yourself from financial loss and potential fraud.

Recently, we were looking for a room for rent. It sounded like an ideal place, in the right location, for the right amount. My alarm bells should have been sounding from the get-go. But we decided to proceed. Everything seemed typical until we got to the part where she discussed rental and application fees. No biggie right – no scam alerts yet. Then she stated that he would have to fill out an application to view the room under the premise that if he didn’t like it, it would be refunded.

There it was – alarm bells. I immediately did a reverse look-up of the number to see if the name provided matched – and no info could be found – another alarm bell. He told her to contact me and guess what – no calls. Thankfully, I was able to catch this before any money was provided or an actual email was given – as this is where they can hack you as well.

Without further delay, here are some signs that may indicate a rental scam:

Unrealistic or too-good-to-be-true offers: Scammers often lure victims with exceptionally low prices or luxurious properties at a fraction of the market rate. If the deal appears too good to be true, it’s likely a scam.
Request for upfront payment or wire transfers: If the landlord or agent asks you to wire money or pay a large sum upfront before signing any documents or viewing the property, it’s a red flag. Legitimate landlords typically require a security deposit or first-month’s rent after signing a lease agreement.
Absence of property viewings: Scammers may provide excuses for not allowing you to visit the property or claim they are currently out of town. They might even offer fabricated reasons such as renovations or ongoing repairs. Always insist on visiting the property before making any payments.
Lack of proper documentation: Legitimate landlords will provide a lease agreement or rental contract outlining the terms and conditions. Be wary of landlords who refuse to provide written documentation or use generic, poorly constructed contracts.
Pressure tactics and urgency: Scammers may use high-pressure tactics, claiming that there are multiple interested parties or that you need to act quickly to secure the rental. They want you to make impulsive decisions without thoroughly considering the details.

Communication irregularities: Poor grammar, spelling mistakes, excessive capitalization, or generic email responses can indicate a scam. Legitimate landlords and agents generally maintain professional communication.
Unverified or untraceable contacts: Scammers often use untraceable email addresses, generic names, or free online messaging services. They may avoid providing a physical address or use fake contact information.
Inability to meet in person: If the landlord or agent refuses to meet you face-to-face or conduct video calls, it raises suspicion. Physical interaction and communication are essential when dealing with rental properties.
Duplicate listings or stolen property images: Scammers may copy legitimate rental listings from reputable websites and repost them with altered contact details. Perform a reverse image search to check if the property photos are stolen from elsewhere.
Trust your instincts: If something feels off or doesn’t seem right, trust your gut feeling. It’s better to walk away from a potentially fraudulent situation than to risk losing your money or personal information.

Remember, scammers continuously come up with new tactics, so stay vigilant and educate yourself about common rental scams. Whenever possible, work with reputable real estate agents, use trusted rental platforms, and conduct thorough research before entering into any agreements.

If you are looking to buy or sell or need an agent to help provide resources, check out our PCS map below and click on “Connect with the PCS Professional” at the location you need.

Family, Housing, Maintenance

10 Summer Maintenance Tips

July 5, 2023 No Comments

Here are 10 home summer maintenance tips to help you keep your home in good condition all year long:

Check and clean your air conditioning system: Before the hot weather hits, inspect your air conditioning system. Clean or replace the filters, remove any debris around the unit, and consider scheduling a professional tune-up to ensure it’s running efficiently.
Inspect and clean your gutters: Summer can bring occasional rainstorms, so make sure your gutters are clear of debris to prevent water damage. Remove leaves, sticks, and any other obstructions that may be blocking the flow of water. This maintenance tip can also help prevent house fires.
Check and maintain your outdoor plumbing: Inspect outdoor faucets, hoses, and sprinkler systems for leaks or damage. Repair or replace any faulty components to prevent water waste and potential water damage.
Inspect and clean your windows and screens: Remove dust and dirt from your windows and screens. Clean the glass inside and out, and repair or replace any damaged screens to keep bugs out while enjoying fresh air.
Trim trees and shrubs: Overgrown branches near your house can pose a risk during storms or high winds. Trim back any trees or shrubs that are too close to your home to prevent potential damage.

Clean and seal your outdoor deck or patio: Summer is the perfect time to enjoy your outdoor living spaces. Clean your deck or patio thoroughly, and if needed, apply a fresh coat of sealant or stain to protect it from the elements.
Inspect and clean your outdoor grill: If you enjoy outdoor cooking, inspect and clean your grill before the summer season. Check for gas leaks, clean the grates, and make sure all parts are in good working condition.
Check and maintain your pool: If you have a pool, inspect the pool equipment, such as the filter, pump, and skimmer. Clean or replace the filters, check water chemistry levels, and ensure all safety measures, such as fences and gates, are in place and functioning properly.
Inspect and clean your outdoor lighting: Check your outdoor lights, including pathway lights, porch lights, and security lights. Replace any burned-out bulbs, clean fixtures, and ensure the lights are working correctly for safety and ambiance.
Check for pest infestations: Summer can bring unwanted pests into your home. Inspect your home for signs of infestation, such as ants, mosquitoes, or termites. Take appropriate measures to prevent and control pests, such as sealing entry points and using insect repellents.

Remember, safety is paramount when performing maintenance tasks. If you’re unsure about any task or feel uncomfortable doing it yourself, it’s best to hire a professional to ensure the job is done correctly and safely.

Looking to buy or sell a home, or do you just need information on your next PCS location? Check out our PCS Unit Map below.

Family, Finances

What are the requirements for a VA loan?

June 30, 2023 No Comments

A VA loan is a mortgage loan program offered to eligible veterans, active-duty service members, and select military spouses by the U.S. Department of Veterans Affairs (VA). To qualify for a VA loan, you need to meet certain requirements.

Here are the key criteria:

Eligibility: You must meet the VA’s eligibility requirements, which typically include:

a. Active-duty service members: Generally, you need to serve for at least 90 consecutive days during wartime or 181 days during peacetime.

b. Veterans: You must have been discharged under conditions other than dishonorable after completing the required service period.

c. National Guard or Reserve members: You may be eligible if you have completed at least six years of service and have been honorably discharged, placed on the retired list, or transferred to the Standby Reserve or an element of the Ready Reserve.

d. Military spouses: Certain surviving spouses of service members who died in the line of duty or due to a service-related disability may be eligible.

Certificate of Eligibility (COE): You need to obtain a valid Certificate of Eligibility from the VA. This document verifies your eligibility for a VA loan and can be obtained through the VA directly or with the assistance of a lender.
Occupancy: You must intend to use the property as your primary residence. VA loans are not available for investment properties or vacation homes.
Creditworthiness: While the VA does not have a strict minimum credit score requirement, lenders typically establish their own criteria. Generally, a higher credit score improves your chances of loan approval and may offer more favorable terms.
Income and Debt-to-Income Ratio (DTI): You need to demonstrate sufficient income to cover the loan payments and meet the VA’s residual income guidelines. Lenders also assess your DTI, which compares your monthly debt obligations to your gross monthly income. Generally, a lower DTI is favorable.
Property Requirements: The property you intend to purchase with a VA loan must meet certain standards set by the VA. These requirements ensure the property is safe, structurally sound, and suitable for habitation.

It’s important to note that while these are the general requirements, specific lenders may have additional criteria or overlays. Consulting with a VA-approved lender will provide you with the most accurate information based on your circumstances.

If you are looking to buy/sell or information on unit resources, check out out our Military Map below.

Money, Moving

What is a VA Assumable Loan ?

June 21, 2023 No Comments

A VA assumable loan refers to a mortgage loan that is backed by the Department of Veterans Affairs (VA). It can be assumed by another eligible borrower. When a VA loan is assumable, it means that a new buyer can take over the existing loan and assume responsibility for its terms and conditions.

In a typical home sale, the buyer secures their own financing by applying for a new mortgage with whatever bank they choose. However, with an assumable VA loan, the buyer has the option to assume the existing loan of the seller. This assumes they meet certain eligibility criteria set by the VA. This process is done with the bank that is servicing the current loan.

Assuming a VA loan can be advantageous for the buyer because they may be able to take advantage of the existing loan’s favorable terms, such as a low interest rate or a lower down payment requirement. In essence, the new borrower picks up the remaining balance from the original borrower. This can potentially save the buyer money compared to obtaining a new loan.

To assume a VA loan, the buyer must qualify for VA loan eligibility requirements. This can include being a qualified veteran, active-duty service member, or an eligible surviving spouse. This allows the current VA loan holder to restore their entitlement. Otherwise, if the person wanting to assume does not qualify for a VA loan, they can still assume the loan; however, the VA member’s entitlement is now tied up in the property until that mortgage is paid in full (via a refinance, sale of the home, or balance payoff). The assumption process involves obtaining the lender’s approval, completing necessary paperwork, and meeting any additional requirements set by the VA and the lender.

It’s important to note that not all VA loans are assumable. The specific terms and conditions of assumability can vary, depending on when the loan was originated and any subsequent changes in VA regulations. Therefore, it’s crucial for both the buyer and seller to consult with the lender and review the loan documents to determine if assumption is a viable option. However most loans originated after March 1, 1988 are eligible. Currently, VA assumptions are taking between 45-60 days up to 6 months to complete the process from beginning to end.

So why doesn’t everyone do them? Well, what most fail to realize is that in order to maximize on this – there is generally an equity gap. If the current owner has a lot of equity, the new owner will have to bring in a large down payment to cover the gap. For example, let’s say the owners loan payoff is $100k. They originally paid $150k for the home. Now the home is worth $225k on the open market. The new borrower would have to bring in $125k (difference between market value and what is owed or $225k-$100k in our example) + closing costs in certain areas. This can be difficult if new borrower has limited funds.

Overall, the timing of how long the process can take is a negative in most sellers eyes who want or need to get out of the property quickly. If a new buyer can bring in the necessary funds though, this can be a great option.

If you have questions about the VA assumable loan or other topics, leave us a comment!

Moving

Different Ways To Do a DIY Move

June 15, 2023 No Comments

Moving to a new home can be an exciting but challenging experience. While hiring professional movers is a popular option, it may not always be feasible due to timing, location, or personal preferences. Fortunately, a do-it-yourself (DIY) move can be a practical and cost-effective alternative in lieu of a government move. In this blog post, we will explore different ways to successfully execute a DIY move, ensuring a smooth transition to your new abode.

Plan Ahead: A DIY move requires meticulous planning to avoid last-minute chaos. Start by creating a comprehensive moving checklist that includes tasks such as packing, organizing supplies, renting a moving truck, and enlisting help from friends or family. A well-structured plan will help you stay organized and alleviate unnecessary stress during the moving process.
Purge and Declutter: Before packing, take the opportunity to declutter your belongings. Sort your items into categories such as keep, donate, or discard. Getting rid of unnecessary possessions will not only make your move easier but also save time and money on packing supplies and transportation costs. Consider hosting a garage sale or donating items to local charities to give your belongings a new life. You can even check out your local “Buy Nothing” page on Facebook. This makes the DIY move more manageable.

Gather Packing Supplies: Collecting the necessary packing supplies is crucial for a DIY move. Stock up on sturdy boxes, bubble wrap, packing paper, tape, markers, and furniture covers. These supplies will help protect your belongings during transit. Don’t forget to label each box with its contents and the room it belongs to for easy unpacking later.
Enlist Friends and Family: Moving alone can be overwhelming, so reach out to friends and family for assistance. Invite them to lend a helping hand on the moving day or even before for packing and organizing. With more hands on deck, the process will be faster and more efficient. Show your appreciation by providing refreshments and snacks for everyone involved. Friends not available, you can check out local movers and request they only pack the truck/unpack the truck. This is a cost effective way to save your achy muscles.
Rent a Moving Truck or Trailer: For transporting your belongings, renting a moving truck or trailer is often necessary. Research local truck rental companies and compare prices and sizes to find the most suitable option for your move. Make sure to reserve the vehicle well in advance, especially during peak moving seasons when availability may be limited.

Utilize Portable Storage Containers: Another convenient option for a DIY move is renting portable storage containers. These containers can be delivered to your doorstep, allowing you to pack at your own pace. Once you’re ready, the company will pick up the container and transport it to your new location. This method offers flexibility and eliminates the need for driving a large truck.
Take Advantage of Technology: In this digital age, technology can significantly simplify your DIY move. Take advantage of apps and online resources that can help with various aspects of the process, such as inventory management, packing tips, and even finding the most efficient route to your new home. Additionally, use virtual communication tools to stay connected with your support network during the move.

Embarking on a DIY move can be a rewarding experience, both financially and personally. By planning ahead, gathering the necessary supplies, enlisting help, and utilizing available resources, you can successfully navigate the challenges of moving to a new home on your own. Remember to stay organized, take breaks when needed, and celebrate your accomplishment once you’re settled in your new space. Good luck with your DIY move!

Travel

Military Travel Discounts

December 27, 2018 1 Comment

A growing number of businesses in the travel industry honor U.S. service women and men by providing them with some pretty outstanding military travel discounts.

What is presented here is only a sampling of what currently is available from some of the major players in the travel industry when it comes to discounters for military service personnel.

Keep in mind that oftentimes these companies not only have discounts for military service women and men currently on active duty but they also have programs for vets as well.

*This post may contain affiliate links – if you purchase something from this post, I receive a small commission with NO extra cost to you. To see my full disclosure click here. Thanks for supporting us!

Sandals

Sandals is a travel industry leader when it comes to all-inclusive travel packages. Sandals resorts are located at luxurious tropical destinations.

At this time, Sandals is offering military service personnel with an across the board benefit. Active military service women and men get 10 percent off of any Sandals package. This discount applies to those packages that are already discounted.

In addition to a discount on all Sandals packages, different Sandals destinations oftentimes have special perks available for military service personnel. The company publicizes its ongoing commitment to thanking our troops for their service to our nation.

Norwegian Cruise Lines

Norwegian Cruise Lines is a travel industry leader when it comes to cruises. Norwegian Cruise Lines is also committed to honoring out troops.

The company offers active military service personnel with an array of different discounts on its multitude of cruises each year. Benefits include discounts on nearly every cruise the company offers throughout the course of any given year.

Norwegian Cruise Lines offers military service personnel added on-board benefits as well. These benefits for military service women and men and their families are in addition to discounts on cruise prices.

These different perks and benefits vary from one cruise to another.

Westgate Resorts

Westgate Resorts has consistently been dedicated to supporting the men and women who serve our nation in the armed services. Westgate Resorts rightly refers to these brave people as “our nation’s greatest heroes.”

Westgate Resorts offers a special discount packager to all military service personnel. Men and women from the U.S. armed forces receive special 10 percent military travel discount at any Westgate property.

The Westgate Resort discount program is one of the easiest to access and use in the travel industry. All a person needs to is make note that he or she is a member of the armed services when making a reservation and the discount automatically is applied. At the time of check-in, a service member need only present his or her military ID.

All Westgate Resort properties participate in the military discount program. Westgate has spectacular five-star resorts located across the United States.

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AARP

AARP is well-known for the array of discounts offered to its members. Veterans are not forgotten by the AARP as the organization offers many specialized programs for vets and their families. These include access to a variety of travel discounts.

There are AARP members who are still on active duty. As a result, the organization has additional discount travel benefits for men and women on active duty as well, benefits that extend to their families.

Expedia

Expedia is one of the largest comprehensive online travel services in operation today. Expedia provides a full spectrum of travel services, including booking air travel, hotel rooms, and so forth.

Expedia is also home to an array of travel bargains available in all sectors. Through Expedia, members of the military service can access an array of different types of travel discounts. These discounts include everything from airfare to lodgings and other travel related benefits.

Disney Resorts and Cruises

Over the course of many years, the Disney Company has been highly supportive of women and men in uniform. This remains the case today, including when it comes to special deals available from Disney at its resorts and on its cruises.

Members of the military service can obtain discounts for stays at any of the many Disney resort properties in the United States and elsewhere around the world. This includes discounts on lodging, admission to attractions, and many other offerings at a Disney resort property. A person on active duty, and his or her family, can also receive discounts on Disney package vacations. Want to see how one family was able to enjoy Disney on a budget? Click here.

In addition to discounts at resorts, Disney also offers military benefits on its cruises as well. Members of the military forces can obtain healthy discounts on the prices of cruise packages.

Many other enterprises in the travel industry offer discounts, special packages, and other benefits to military service personnel. When a member of the armed forces is planning a trip, it is always wise to ask what discounts or benefits may be available to a service member.

Wyndham Armed Forces Vacation Club

In order to honor men and women in the military service, Wyndham created the Armed Forces Vacation Club. The Armed Forces Vacation Club is open to all active members of the military branches.

One of the unique benefits offered via the Armed Forces Vacation Club is special access to Space-A stays. Space-A allows people, including families, rental options at travel destinations.

Military service personnel have access to $349 for weeklong Space-A stays in rental properties at different locations across the country. This truly represents one of the most affordable lodging options in the industry.

Getting ready to take a trip? Check out the most needed essentials here. Need some travel tips for your baby, click here. Have questions about traveling via airplane, check out this article on Airline Travel Tips.

If you found this advice, or any of my advice helpful, please consider buying from one of my affiliates at no additional cost to you and supporting The Military Move. When you click and make a purchase within 24 hours (at no additional charge), we receive a small donation. Thank you!

Travel

The Best Hotels for Military Families with Pets

June 21, 2018 3 Comments

We just completed our 9 day (turned 10 day) cross country move from Georgia to Washington. There was a lot of prep work and a lot of lessons learned along the way.

For the most part, our hotels were great and one was, well…not the best!

However, everywhere we stayed accommodated dogs for a reasonable price with some preparation beforehand.

*This post may contain affiliate links – if you purchase something from this post, I receive a small commission with NO extra cost to you. To see my full disclosure click here. Thanks for supporting us!

Making Cross Country Travel Plans

If you read any of my social media posts about our crazy cross country trip, you will know that we had quite the adventure.

On day 3 of our adventure, we had to spend an extra night in Texas, and I spent 2 hours calling 6 hotels and rescheduling our entire trip.

Most hotels kept us locked at our original rates, and a few changed it to match their current daily rate.

So as a military family (or any family that meets challenges on the road), you want a hotel that is flexible.

When you are traveling – there are a number of things you want to plan.

Create a travel plan. I used Google Maps and put in the starting and final location.

Remember that traveling with children and pets will add to your travel time.

Also, if you are driving a moving truck – you will need to account for the moving truck.

When we went through the Rockies, my husband could only go 40mph climbing those mountains.

Plan for multiple breaks.

Decide on your route. I chose locations that were about 4-6 hours from each other.

When I chose my locations, I did it thinking that we would need to add an additional 90 minutes to fuel, grab food, and use the restroom.

I did this by looking at the map and gauging how far apart each location was.

I started moving the map to find towns that would fit the time span, had a decent selection of hotels, and was outside of downtown major cities.

This is why Google Maps works perfectly (it shows distance and time between two points).

You can choose your route however you please – quickest route, sightseeing route, family route, etc.

I have always wanted to see Colorado. So we planned our trip around that.

It was well worth it!

Start booking hotel reservations. Be sure to have a calendar of your dates. I used Expedia to look at hotels in an area.

When I started making plans, I had my Google Calendar out (hard copy works great here if you use one).

I jotted down each location that was expected for each day. As you saw from above, I started playing with towns close to each other on the map based on the hotel selection.

I would check out the hotels in each place based on our budget and user reviews and pictures.

For me, safety and convenience was key. I wanted to make sure it wasn’t too remote nor did I want it right off the interstate.

I would take the address of the hotel and Google it, then look at the street view of the maps to see what was around it.

Surprisingly, I made a lot of decisions this way. Especially when the price point was similar.

We also avoided big cities like Dallas and New Orleans and opted to stay right outside to avoid the traffic.

Book the hotel by calling them individually and asking for a military rate. I saved tons this way and sometimes got an upgrade.

So even though I used a travel website to look for hotels around an area (and as a way to know where to stop), I did not make the reservations this way.

Get on the phone with each hotel and ask them for a military rate (you could even say that you are traveling on orders).

Do not call the number on the travel sites though, as this is THEIR call center to make reservations.

I google the hotel (based on the address given on the travel site) and on the right side of the screen, it will give the map, phone number, and address.

Call that number!

I paid on average $20 cheaper than any listed price.

Also, be sure to ask the hotel if they can accommodate your moving truck size.

This was a problem at one of the hotels we stayed at, but luckily they owned a sister hotel that let us park there.

We loved staying at the hotel above – if you are in the Colorado Springs area, give it a try. Click here for their website.

Write down your confirmation numbers (I had mine in a small notebook I carried with me in my purse) and ask them to email you a copy.

After speaking to the front desk about your reservation, be sure to ask them them for your confirmation number.

You should also get them to email it to you and go ahead and print out that copy.

Print out your confirmations and put them in your PCS notebook.

Need a PCS guide? Get it below for FREE! I promise not to SPAM You!

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Now see the best hotels here for traveling with pets.

We stayed at a Sheraton, two La Quinta’s, an Extended Stay, two Colorado resorts, two Best Western Plus’, and a Holiday Inn Express.

So which hotel was the best for the budget?

La Quinta was the only hotel we consistently found to have $0 pet fee.

That’s right, nada!

Most of their hotels are pet friendly.

As long as Starsky and Hutch don’t make a mess or damage the room, you will not incur any additional costs.

Most of the pet fees are either pet pet, per day, or per accommodation (per room for length of stay).

Be sure to ask!

Many of the fees ranged from $10 to $50 depending on the hotel we stayed at.

Resorts are typically more expensive , so keep that in mind.

If you have dogs that are barkers, and you planned on sightseeing, you may want to look into a doggie daycare as the hotel can ask you to leave.

Other Helpful Tips

If you are traveling or in the middle of a big move, don’t forget quarters for laundry. Be sure to pack a laundry bag. We found that after about day 6, we just wanted to have some clean extra clothes.
Most hotels with pools have complimentary towels at the pool, so no need to waste your bath towels.
When you book your reservations, be sure to give them any accommodations you would prefer (ground floor, near ice machines, near stairs/elevators, etc.).

If you found this advice, or any of my advice helpful, please consider buying from one of my affiliates at no additional cost to you and supporting The Military Move. When you click and make a purchase within 24 hours (at no additional charge), we receive a small donation. Thank you!

About the Author

Kelsey Ramirez is a Real Estate Broker in western Washington. She is also a veteran elementary school teacher, military wife, and mom to two daughters. She is the founder of The Military Move, a military-based website to help families in the PCS process. Kelsey loves to travel, write, and create amazing content. She has her Masters in Technology, which she uses to learn all new things digital.

With three decades of military support, Kelsey’s mission is to help new and existing military families in their unique adventures through all military topics including PCSing, budgeting, school choice and rights, housing, and especially just being a military spouse.

Housing

Changes to Your New Home

February 4, 2018 No Comments

I have moved over 15 times and about 1/2 of those were in my adult life. Moving is what we do in the military. Change is inevitable.

Moving can be a fun, yet exhausting adventure. When you move in to your new place, you either want to start packing immediately or crash because of all of the packing, the move itself, and the unloading.

However, how often do you think of the little things you need to change?

Here are 5 changes you need to do when you buy your new house.

*This post may contain affiliate links – if you purchase something from this post, I receive a small commission with NO extra cost to you. To see my full disclosure click here. Thanks for supporting us!

Change the Locks

You never know if the last owner/tenant still have keys to YOUR new house. This is the most important change you can make for the security of your family.

You can buy new locks at a home improvement store (I recommend a deadbolt lock for all exterior doors – including the garage). If you are not handy, consider hiring a recommended local locksmith to change the locks.

Included in this – check all your windows and be sure they are locked.

Throw Out the First Ice Batch

The first ice from the automatic ice maker should go down the drain. Hopefully, the appliances received a good cleaning – perhaps with bleach. If not, go ahead and give it a good clean and then throw out the first batch. You don’t want any residual in your cold drinks while unpacking all those boxes.

Change the Toilet Seats

You just bought a house. I know, you are probably very low on money. However, this may be one area of upgrade or change you may want to invest in if possible.

A toilet seat costs on average $15-30. We changed the porcelain ones that were standard on ours to nice elongated durable plastic ones.

Mow Overgrown Grass

Seems pretty obvious, right? Well this usually gets put on the back burner. However, if you have outdoor pets or kids, you want to get this under control fast.

Overgrown grass is home to slithering creatures such as snakes (which can be dangerous depending on the area), ticks, fleas, and more.

Children may not want to be cooped up in your house and the backyard can be a perfect outlet for them while you are unpacking. Spend a few hours focusing on the yard to give yourself the time you need to organize indoors.

Change the Batteries in the Smoke Alarms

There is nothing worse than waking up Day 3 at 3am to the annoying chirping sound of the smoke alarm. It gets the dogs barking which then wakes up the children, and you are now an official zombie. Go buy a few packs of 9-volt batteries and change them.

Getting ready to move? Get your PCS guides here.

Doing a DITY move? Read 5 tips that I swear by here.

If you found this advice, or any of my advice helpful, please consider buying from one of my affiliates at no additional cost to you and supporting The Military Move. When you click and make a purchase within 24 hours (at no additional charge), we receive a small donation. Thank you!

About the Author

Kelsey Ramirez is a Real Estate Broker in western Washington. She is also a veteran elementary school teacher, military wife, and mom to two daughters. She is the founder of The Military Move, a military-based website to help families in the PCS process. Kelsey loves to travel, write, and create amazing content. She has her Masters in Technology, which she uses to learn all new things digital.

With three decades of military support, Kelsey’s mission is to help new and existing military families in their unique adventures through all military topics including PCSing, budgeting, school choice and rights, housing, and especially just being a military spouse.

Family, Housing, Moving, Travel

The Complete Moving Guide

December 30, 2017 No Comments

I have made several military moves in my lifetime. From California to South Carolina, Maryland to Georgia, I have learned a few tricks along the way to create a quick and easy complete DIY guide.

Moving can be one of the most stressful experiences for any person. Whether you are doing it yourself or having help, there are countless things that are bound to…well drive you a little nuts.

Even government moves can be stressful. It really depends on what type of person you are and what you prefer.

*This post contains affiliate links – if you purchase something from this post, I receive a small commission with NO extra cost to you. To see my full disclosure click here. Thanks for supporting us!

Getting Prepared

I love having a plan. It helps me lower my stress and know just what I intend to do. I have created a moving checklist and how-to guide to help any first-time or veteran mover. You can download it by signing up below for FREE.

I will also give you my FREE PCS Notebook Guide to show you all the important things that I keep together. This has helped me complete all necessary things with our rentals/mortgage, registering for schools, bordering animals, and much more.

Another part of moving is making sure you have everything organized beside just your household goods. You need to have your life basically organized so that when you travel to your new location, you are ready to go.

Need to register the kids for school? No problem. Need to get your car insurance redirected? No issues.

A few weeks ago, I had to go to the DMV to get a hard copy of my car title (since I like to have it on hand). The lady was shocked at my PCS Binder and how organized I was – she even thanked me.

Guess what! I want to give it to you for FREE – just for reading because I know you will LOVE it, and it will help you complete your mover’s toolbox.

Enter you info below and it will be emailed right over to you.

Additionally, when you sign up, you will receive your PCS Expense and Budget Worksheet to help determine your costs for your DITY move.

The lady was shocked at my PCS Binder - she even thanked me.

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Government Moves

When you do a government move – ALWAYS do the counseling. Either the active member or the spouse – do not skip this.

“Why? I’m too busy!”

No, you’re not! Not for this! Make yourself available.

When you do a government move, you are giving them most if not all of your stuff. Some may get damaged or lost, and you need to know the process to file a claim to get that started.

You will have POC’s – point of contacts – you will need to save in your phone as well. It is a very detailed and drawn out process and can be the deciding point of how much money you receive.

I have an upcoming post on how to deal with government moves/movers in greater detail that you can check out.

DITY Moves

Are you doing a Do-IT-Yourself move?

Many service members like these moves because they can keep an eye on their stuff – keeping them in control. Some believe they can do it cheaper than a full government move allowing them to make some money.

I have done both moves and both have their pros and cons. Shoot me any questions you may have in the comments below.

We made a good amount of money on our DITY move and you can check out some of my tips here.

Many service members like these moves because they can keep an eye on their stuff.

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If you found this advice, or any of my advice helpful, please consider buying from one of my affiliates at no additional cost to you and supporting The Military Move. When you click and make a purchase within 24 hours (at no additional charge), we receive a small donation. Thank you!

About the Author

Kelsey Ramirez is a Real Estate Broker in western Washington. She is also a veteran elementary school teacher, military wife, and mom to two daughters. She is the founder of The Military Move, a military-based website to help families in the PCS process. Kelsey loves to travel, write, and create amazing content. She has her Masters in Technology, which she uses to learn all new things digital.

With three decades of military support, Kelsey’s mission is to help new and existing military families in their unique adventures through all military topics including PCSing, budgeting, school choice and rights, housing, and especially just being a military spouse.

Family, Housing, Spouses

Making Sure You are Prepared For An Emergency

September 3, 2017 2 Comments

How Do I Know

I was 3 when Hurricane Hugo hit South Carolina, living in Myrtle Beach, we had to evacuate. Hurricane Matthew last year forced us to evacuate when it was projected to be a direct hit as a Category 4.

Luckily, we did not see the devastation as it downgraded and skirted more north.

However, I did stay through Hurricane Bertha, Hurricane Gaston, Hurricane Ida, Hurricane Fran, Hurricane Irene, and Tropical Storm Sandy (which hit us on the southern end in Maryland).

I learned several key things through going through those storms that I want to share.

Search and Rescue

My husband conducted search and rescue for 8 years prior to us coming to a security unit. I know how hard that was on him after back to back missions, so I cannot imagine how days of continuous rescues would be after watching the aftermath of Hurricane Harvey.

Search and rescue during city wide emergencies takes the community coming together.

I was so touched and thankful for the residents of Texas at how they came together to help their neighbors.

Complete strangers, such as the Cajun Navy, came with their boats ready to step in and help local officials.

Millions around the country donated, and emergency personnel including police, fire rescue, National Guard, and the Coast Guard worked around the clock.

However, as tirelessly as they worked, there was loss of life, and I want to help lower those chances!

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*This post may contain affiliate links – if you purchase something from this post, I receive a small commission with NO extra cost to you. To see my full disclosure click here. Thanks for supporting us!

Search and rescue during emergencies takes the community coming together

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Planning for an Emergency

Emergencies are not always forecasted. You cannot plan for tornadoes, flash floods, or earthquakes.

However, these events can wreak havoc on homes and families. Some people like to be spontaneous, but in this case, it’s important to have a plan for the “what-if.”

Emergency Notebook

I have a PCS (permanent change of station, for my non-military people) Notebook that has every important document I need when we move.

This serves a dual purpose because when we evacuate for storms (which can be at least once a year), I throw that notebook in my car. Want to know what I think should be in your PCS/evacuation notebook (or want a sneak-peek into mine)? If so, enter you email below and I will immediately send you the pdf.

Home Emergency Supplies

Whether it be a hurricane, tornado, earthquake, or minor flood, these items will help if you have them on-hand.

Water is usually a commodity that people do not hoard as they are drinking it. However, having a case of water (about $2.50 for 32 bottles at Wal-Mart) can help when you are in a bind and the water is off.

However, batteries for flashlights, a first-aid kit or makeshift one (band-aids, gauze, Tylenol or Motrin, ace bandage, etc.), and cash are important.

Why cash? Because when power goes out, systems go down – and you may need that cash handy.

IF you have a rainy-day fund – I suggest at least $250. This can help if you need to get gas, food, or if you have to leave because it is so bad.

Take photos of the things in your home (all expensive things especially) and the outside of your home (as proof for your insurance company). I have this on my portable hard drive to take if we evacuate.

Keep reading for what steps you need to take when a storm is projected to come.

Car Supplies

Do you remember seeing the images of TONS of stranded motorists in Atlanta in 2014?

Let me remind you (compliments of CNN)…

Drivers were in stand still traffic, the roads became a skating rink, and cars started to become stranded.

In the winter, you want to includes these things in case you are caught in a freak storm like this.

Be sure to have in your car:

Blanket and jacket/sweather (to provide warmth when you have to turn off the engine to save gas)
Non-perishable food (some sort of food supply to hold you over until traffic moves, ice melts, or help comes)
Few bottles of water
Pair of socks and mittens/gloves (again sustained warmth)

All of these things together can be in your trunk or behind a seat and is worth it if you find yourself in this predicament.

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Some people are spontaneous. During a storm, it is important to have a plan

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When the Storm is Coming

To evacuate or to “shelter in place,” that is the question.

When a hurricane or tropical storm is headed towards you, you have an important decision to make. Only you can make that decision for you and your family; however, let some factors guide you.

Do you have small children? If yes, you may want to consider leaving as losing electricity can alter their routine. If you have ever changed bed-time, you know what I mean.
Are they calling for floods? Unfortunately, southern Texas just saw what torrential rain did to their region – devastating losses for both property and life. Are you prepared to get on your roof with pets and kids until you can be saved?
Do you have a physical ailment – such as a debilitating disease, wheel-chair bound, or even pregnancy that would make leaving after the storm with unknown circumstances much harder?
Is your home classified as “unsafe” – most pre-fabricated homes or beach homes may not withstand high winds or storm surge.
Are you ready to “rough” it? When Matthew hit here, while we did not get a lot of damage – the public water source was unable to handle the back-up of water flow. Many homes got pretty stinky with back-up.

Prepare, Prepare, Prepare

You made the decision to “shelter in place.” So where do you start?

High winds? Start boarding up those windows (not taping, as this can make it worse)- you don’t want to be in your home with a Category 2+ storm with your windows busting, and debris and glass going everywhere. Go to your nearest home improvement store.
Stock up on water (at least a gallon per person a day or about a case or two per person).
Non-perishable foods – foods that do not need refrigeration or power to cook.
Fill up the washing machine and bathtub for clean water for toilets (know your plumbing – basement toilets are not always the place to go).
Put water in Ziplock bags (quart size are best), Tupperware, cups, and clean trash cans. Freeze whatever water you can fit in your freezer – place some in fridge if electricity goes out.
Eat perishable food first from fridge when electricity goes out – fruit, veggies, yogurts, sandwich fixings, etc.
Batteries, batteries, batteries – did I say that before?
If you haven’t already – take photos of everything you do not have a receipt for.
Sandbags – put them by your front door, back door, side door, wherever you have a door, and garage.
Bring all lawn furniture inside – you do not want your lawn chairs and umbrella destroying a fence, etc.
Portable generators – IF you chose to purchase one – KNOW HOW TO USE IT – carbon monoxide poisoning is FATAL.
Propane – after the storm, you can cook on your grill if you still do not have electricity (bring inside, but don’t use during the storm).
Full tank of gas in your car (gas prices may soar after the storm).
Consider a CB radio as alternate communication.
Freeze a cup of water. Place a quarter on top of it. If you leave for any reason for an extended period, this will help you know how long you lost power. If the quarter is frozen inside the water (an no longer on top), you may want to consider restocking your fridge and freezer.
If you lose power, please strongly think about whether or not you can pay for the groceries without your insurance’s help. Yes, they will help you if you make a claim. However, this could cause problems down the road if you have to change your coverage. Try to only make BIG claims.

Emergency Evacuation

This is the choice many make or are told to make (if the military requires it).

Many commands or units decide before cities to mandatory evacuate families while the member deploys out with government assets.

If you find yourself in this position, have a plan and prepare to be flexible.

Evacuation Mode

Sometimes one of the hardest decisions is to leave all of your stuff behind; however, it could also be the one thing that saves your life. Here are some tips:

Get your PCS/Evacuation notebook that you downloaded from up above – this is one of the most important things.
Search for a hotel inland (look at the projected path to determine a distance away from the storm).
Military members have an evacuation location. While you do not necessarily have to go to that location, your entitlement is based on that location (keep this in mind, or look up hotels to get an average price point).
Be prepared for roads to be insane – pack a car charger or GPS to travel back roads.
Take water, snacks, travel games (small puzzles, coloring books, iPad, books) for the kids, and wear comfy clothes.
Keep ALL receipts.
Fill up your tank (if you haven’t already) before you get on the interstate.
Pull out cash (if you can).
Before you leave, pack whatever valuables that cannot be replaced (jewelry pieces, small keepsakes or family heirlooms), a portable hard drive or SD card, and enough clothes for a week.
Have contact information for your ombudsman or family members.

If you are military, read this article (I am actually quoted in it) from Military.com on entitlement information (or how to get paid for leaving).

Have you had to evacuate? Tell us your experience in the comments below, and be sure to download my PCS notebook!

If you found this advice, or any of my advice helpful, please consider buying from one of my affiliates at no additional cost to you and supporting The Military Move. When you click and make a purchase within 24 hours (at no additional charge), we receive a small donation. Thank you!

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About the Author

Kelsey Ramirez is a Real Estate Broker in western Washington. She is also a veteran elementary school teacher, military wife, and mom to two daughters. She is the founder of The Military Move, a military-based website to help families in the PCS process. Kelsey loves to travel, write, and create amazing content. She has her Masters in Technology, which she uses to learn all new things digital.

With three decades of military support, Kelsey’s mission is to help new and existing military families in their unique adventures through all military topics including PCSing, budgeting, school choice and rights, housing, and especially just being a military spouse.

Travel

Travel Essentials

May 2, 2017 No Comments

Traveling is one of my favorite things to do. I love exploring new cities and what they have to offer. Packing, on the other hand, is one of those tasks that I always wait until the last minute to do. I have to pack my husband, myself, and my daughter (not how I envision a fun afternoon – laundry and mental checklists). You would think I would have a system by now for packing – perhaps, I will create a visual checklist.

Any who, as a daughter of an airline pilot, I have been fortunate enough to visit multiple cities (not only as a moving spouse – but actually enjoy visiting). I have learned the ins and outs of airline travel and want to bring some of my best tips that I use for my family to yours.

*This post may contain affiliate links – if you purchase something from this post, I receive a small commission with NO extra cost to you. To see my full disclosure click here. Thanks for supporting us!

Travel Guide Essentials

Interested in any of these travel items? Click on the images to purchase your own or a version similar to it that you personally love! Happy Traveling!

Personally, nothing is better than having a book in my hand. However, I have come to enjoy having my Kindle Fire HD that I can store multiple books on while I am traveling (especially traveling to a beach). Regardless, if you are a reader (or if you aren’t, you should), consider a device that stores all of your reading loot and games.

After taking several flights and trips to Disney World – I have fallen in love with my Swiss backpack. It is technically a laptop bag (for my husband), but it created so much room when traveling for all the snacks, extra clothes, 7 – yes 7 bottles of water, a first aid kid, and mini-fan, and more. Best of all – hands free!

At home, I am all for infuser bottles (especially when pregnant and your water intake doubles) because you can put in all the fruit that starts to get mushy in the fridge into the infuser. However, when traveling, you need a water bottle that travels well.

Part of airline travel is the inability to control the air. If you are traveling with a full car of people, you may realize that everyone wants the temperature set differently. I suggest a simple light cardigan that can be slipped on or off and is lightweight.

I have been that person who tries to lay up against the window, using my daughter’s extra blanket, or sweater, or my arm when desperate, really anything to just get an hour of sleep. Be sure to purchase a pillow that provides flexibility and support. Seriously, plane seats and car seats are not comfortable for hours at a time, spare yourself.

If you are taking a road trip or a long plane ride, be sure to click some of the links above to get your essentials before you go.

Have any essentials that you think other’s must not travel without? Leave them in the comments below! I love to learn about new things to throw in my bookbag.

About the Author

Kelsey Ramirez is a Real Estate Broker in western Washington. She is also a veteran elementary school teacher, military wife, and mom to two daughters. She is the founder of The Military Move, a military-based website to help families in the PCS process. Kelsey loves to travel, write, and create amazing content. She has her Masters in Technology, which she uses to learn all new things digital.

With three decades of military support, Kelsey’s mission is to help new and existing military families in their unique adventures through all military topics including PCSing, budgeting, school choice and rights, housing, and especially just being a military spouse.

Finances, Housing, Maintenance

Navigating Homeowners Insurance: What You Need to Know

September 14, 2023 No Comments

Homeowners insurance is a crucial financial tool that provides protection for your home and belongings in case of unexpected events. Understanding the key components of homeowners insurance is essential to ensure you have the right coverage for your needs. Here’s what you need to know:

Types of Coverage:

Dwelling Coverage: This covers the structure of your home, including the roof, walls, floors, and foundation. It’s essential to insure your home for its full replacement cost.
Personal Property Coverage: This covers your personal belongings, such as furniture, appliances, clothing, and electronics. Make sure to take inventory and estimate the value of your possessions.
Liability Coverage: This provides protection if someone is injured on your property, and you’re found liable. It also covers damage caused by your pets.
Additional Living Expenses (ALE) Coverage: ALE pays for temporary living expenses if your home becomes uninhabitable due to a covered event, like a fire or natural disaster.

Policy Types:

HO-3 Policy: This is the most common type of homeowners insurance policy and provides comprehensive coverage for your home and personal property. It covers a wide range of perils, except those specifically excluded.
HO-5 Policy: This is an upgraded version of HO-3, offering even broader coverage and fewer limitations.
HO-6 Policy: Designed for condo owners, this policy covers the interior of your unit and personal property.
HO-4 Policy: Known as renters insurance, it covers personal property and liability for renters but doesn’t cover the structure itself.
Coverage Limits: Your policy will have coverage limits for various categories, such as personal property, liability, and ALE. Make sure these limits are sufficient to cover your needs.
Deductibles: The deductible is the amount you pay out of pocket before your insurance kicks in. Choosing a higher deductible can lower your premium but means you’ll pay more if you file a claim.
Exclusions and Endorsements: Understand what perils are excluded from your policy. Common exclusions may include floods, earthquakes, and acts of terrorism. You can purchase additional coverage or endorsements for these excluded events if needed.
Premiums: Your premium is the amount you pay for your homeowners insurance. Factors that influence your premium include your location, the age and condition of your home, your credit score, and the coverage limits you choose.

Discounts: Insurance companies offer discounts for various reasons, such as bundling home and auto insurance, installing security systems, or having a good claims history. Inquire about available discounts to reduce your premium.
Claims Process: Understand how to file a claim with your insurance company. Document damage or loss thoroughly and keep all communication related to the claim. Be prepared to provide receipts, photos, and other evidence.
Review and Update: Periodically review and update your homeowners insurance policy to reflect changes in your home’s value, improvements, or changes in your circumstances.
Shop Around: Compare quotes from different insurance providers to ensure you’re getting the best coverage at the most competitive price. Don’t forget to consider the reputation and customer service of the insurer.
Legal Requirements: While homeowners insurance isn’t legally required in most states, if you have a mortgage, your lender will likely require it. Even if it’s not mandated, having homeowners insurance is highly advisable to protect your investment.
Read the Fine Print: Before purchasing a policy, carefully read and understand the terms and conditions. If you have questions or need clarification, don’t hesitate to ask your insurance agent.

Navigating homeowners insurance can be complex, but it’s a critical aspect of safeguarding your home and financial security. Take the time to assess your needs, compare policies, and make informed decisions to ensure you have the right coverage for your home and belongings.

If you know someone looking to move near a military base – please send them our website below where we provide loads of base information.

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If you are looking for a home in Washington – check us out at www.kelseyandjorge.com

Types of Aerobic Treatment Units

Sandals

Norwegian Cruise Lines

Westgate Resorts

AARP

Expedia

Disney Resorts and Cruises

Wyndham Armed Forces Vacation Club

Making Cross Country Travel Plans

Create a travel plan. I used Google Maps and put in the starting and final location.

Decide on your route. I chose locations that were about 4-6 hours from each other.

Start booking hotel reservations. Be sure to have a calendar of your dates. I used Expedia to look at hotels in an area.

Book the hotel by calling them individually and asking for a military rate. I saved tons this way and sometimes got an upgrade.

Write down your confirmation numbers (I had mine in a small notebook I carried with me in my purse) and ask them to email you a copy.

Print out your confirmations and put them in your PCS notebook.

Now see the best hotels here for traveling with pets.

Other Helpful Tips

About the Author

Change the Locks

Throw Out the First Ice Batch

Change the Toilet Seats

Mow Overgrown Grass

Change the Batteries in the Smoke Alarms

About the Author

Getting Prepared

Get your Moving Day Checklist Here

Government Moves

DITY Moves

About the Author

How Do I Know

Search and Rescue

Planning for an Emergency

Emergency Notebook

Home Emergency Supplies

Car Supplies

When the Storm is Coming

Prepare, Prepare, Prepare

Emergency Evacuation

Evacuation Mode

About the Author

Travel Guide Essentials

About the Author