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2017 Flood Insurance Rates

On April 1, 2017, National Flood Insurance Program rates are set to rise an average of 6 percent. This is less than the 2016 average andconsistent with the annual 5-10% increases prior to 2012 Biggert-Waters reforms.

Under 2014 Affordability amendments, individual property owners may see a rate increase up to 18% for newer properties and 25% for olderones. Rates for newly mapped properties begin at the lowest or preferred risk rate and gradually increase to full risk using a multiplier tablewhich is also updated as part of the April 1 changes.

Read FEMA'S summary 

View FEMA flood maps

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6 Household Chores to Tackle Now

 

Don't Forget about these 6 household chores before the cold weather makes these household chores more difficult to accomplish. 

1. Windows and screens: Dust and grime that accumulates daily can get below the surface of the glass and make windows appear cloudy. The problem can be accented if home owners often leave the windows open during the summer. “The quality of your glass will deteriorate over time with age and exposure to the sun,” Trevor Cook, owner of Shine Bright San Diego, a window cleaning service, told realtor.com®. Try some dish soap or white vinegar and water with a squeegee to get the windows shining again.

2. Grill: Try rubbing the top rack of your barbecue with an onion – a method the experts recommend. Make sure the grill is off and disconnect it to the propane before you clean. You’ll also want to use cleaner specially designed for cleaning a grill’s surface. Be sure to remove the grates and metal plates beneath. Soak them in hot soapy water for up to 10 minutes. 

3. Houseplants: Yes, your plants need cleaning too. Grime can pile up on leaves and even reduce a plant’s ability to photosynthesize light (remember, they need that to thrive!). Use a dry or damp cloth and clean each leaf, carefully.

4. Blinds: Wipe each slat of a metal or vinyl blind with a soft cloth moistened with warm water and dish soap. For wooden blinds, use a damp cloth instead. “Metal and plastic blinds are some of the most important household items people should take time to deep-clean, but they tend to be neglected because it’s a timely chore and is frankly a pain,” says Antonio Shellman, owner of Kelan Freaks, a residential and commercial cleaning service in New York City. “You’ll find if you don’t maintain dusting them on a regular basis, dust will start packing on, dulling the surface and blocking the light, which makes everything so much harder to clean.”

5. Kitchen cabinets: Use dish soap and water to give your exterior cabinets a good clean. Commercial-grade cleaners may be needed if the buildup is heavy (test first and look for ones made with orange oil). Don’t forget about the inside of the cabinets either. Use a cloth soaked in soap and water to clean, and then a damp cloth to collect any extra moisture. Leave cabinets open for two hours afterwards.

6. Refrigerator and freezer: Trash any expired items. Remove and soak drawers in warm, soapy water. Vacuum the refrigerator coil and grill. Be sure to clean the outside door too, with two tablespoons of baking soda mixed with hot water or for stainless steel use a stainless-steel cleaner and wipe in the direction of the grain.

 

The Art of Negotiations Phil’s-osophies

Check out this GET REALTOR® video, Phil Dunphy from Modern Family tells of the secret weapon in Realtor negotiations....Silence