Across the U.S. several cities are known for stories of bogeymen, demons, aliens, or monsters that have been lurking the shadows or at the edges of town. Locals will sometimes claim these mysterious creatures are the work of witchcraft, or possibly due to a curse. But what if the answer is actually more scientific than that?
Some of these so-called monsters may just be mutants – genetic variants of humans – with extra body hair, superhuman stature, or leathery wings, for example. Here’s a list of American cities that have laid claim to some of these so-called monsters, who may really be more like you and me than you [...]
Short answer? Yes. If a lender says that you need flood insurance, then you must purchase it before you can get a loan. This may come as a shock to some people, especially those who don’t live near the ocean, a river, or a lake. But as you can imagine, since a lender is giving a borrower a significant amount of money to buy a home, they want to do everything they can to protect their investment. As we have seen in some areas, such as Louisiana, floods can strike areas unexpectedly, and in some cases both you and your lender would be grateful for the forethought. The [...]
As you are in the market to establish some roots and buy a home, you may be interested in what factors may affect the cost of living. Certainly, your housing costs make up for the largest single expenditure. And housing costs are impacted by the amenities and attractions in the surrounding area. Since most all Americans live where they do out of choice, let’s take a look at factors that people consider in their search and how they are correlated with an increased (or decreased) cost of living.
Many variables are equally weighted on how they affect housing costs except perhaps if a city contains a local medical school. The more prestigious the medical school, the higher the [...]
Your home is probably the biggest investment you’ve ever made. You’ve spent time, energy and money customizing it to your needs, as well as making it a comfortable place for your family. You’ve even purchased home insurance to ensure that all your belongings are safe and secure. However, what you might not know is that your typical home insurance policy doesn’t cover everything. If an accident occurs or catastrophe strikes and you aren’t protected, your home and everything in it are at risk of being lost forever. To guard yourself and your possessions, you have to be knowledgeable about what’s covered and purchase additional insurance if needed. The following are a few [...]
Two things are certain in life: death and taxes. Although taxes are guaranteed, the amount you pay may not be. Every year your local government comes up with an assessed value for your home to determine how much your annual taxes will be. If that value is too high -OR- you’d just like for it to be lower, there may be a way for you to fight “the man.” Here’s a few quick tips on how you might be able to fight the tax assessment.
First and foremost, you’ll need to educate yourself on your local government’s appeal process. Traditionally there will be a set of rules and timelines for how an appeal to the tax assessment can be made. The instructions for how to submit an [...]