Saturday, September 3, 2011

First-Aid Guide For Furniture

Furniture First-Aid TechniquesWhen furniture arrives in your home, it's factory-issued, perfect and clean. From that day forward, however, accidents can happen, causing damage to your pieces. Sometimes the damage is permanent.
Know how to react when the inevitable spill or scratch occurs and you can "save" your furniture and extend its useful life.
From Martha Stewart, these "first-aid for furniture" tips should come in handy.

  • Moisture "rings" : Pour table salt on the white rings/haze and cover with a terry cloth. Apply hair dryer on low setting until rings are gone.
  • Alcohol spills : Blot spills immediately, do not rub. Apply small amounts of ammonia to damage.
  • Wax spills : Allow to cool and harden, then freeze the wax with an ice cube in a sandwich bag. Use a butter knife to gently scrape off wax.
  • Red wine stains : Cover wine with table salt and let sit until salt has wicked up the wine. Vacuum salt and repeat, as necessary. Blot remaining stains with damp cloth and dish soap.
  • General spills : Repeatedly blot with a damp white cloth. Use white cloths to prevent dye transfer.
  • Oil spills : Cover spill with baking soda and vacuum once absorbed. Blot remaining stains with rubbing alcohol
  • General stains : Blot with all-purpose household cleaner. To prevent fading in the upholstery, avoid products with bleach or bleach alternatives.
  • Scratches : Apply saddle soap to a damp cloth and rub the scratch to help it "blend in". It won't go away.
The tips on leather furniture also makes mention that you should never bother with touch-up kits or colored markers. It's nearly impossible to match leather colors and your repair work will only make the scratch more noticeable.

Thursday, September 1, 2011

If You're A Landlord, You Need A Landlord Insurance Policy

Landlord rental insuranceThe ranks of the landlords are growing. Along with an increasing number of "accidental landlords", real estate investors now account for close to 20 percent of all home resales, according to the National Association of REALTORS®.
If you plan to buy a rental property in Bensalem , or to convert your current residence for long-term rental, make sure your home is properly insured.
A traditional homeowners insurance policy may be unsuitable for landlords.
A landlord insurance policy typically covers the home itself; the owner's possessions in the home; structures on the land including garages and sheds; and, minimal liability coverage in the event of injury or lawsuit.
It's common for landlords to increase that minimal liability coverage, adding an umbrella policy for $1,000,000 or more. Umbrella policies protect your home from an unfavorable lawsuit related to just about anything -- housing-related or not.
Optionally, a policy may includes provisions for "lost rental income".
Annual premiums for a landlord insurance policy are often 20% more costly than for a standard homeowners policy. This puts the average landlord insurance premium near $950 per year.
Premiums vary by state, too. The top 3 most expensive states in which to insure a rented home are:

  • Texas : $1,752 per year
  • Florida : $1,668 per year
  • Louisiana : $1,386 per year
At $464 per year, Idaho is the least expensive state in which to hold a landlord insurance policy.
Talk with your insurance agent about your insurance options as a landlord. There are tens of choices and coverages from which you can choose. Let a professional help you pick the best choice.