Protecting Your Home

When Disaster Is Coming To Your Door

My heart truly breaks for all the people effected by these disasters. The latest one being the California wild fires. It seems that no matter where you live something could be coming your way.

For us here in Connecticut, we get Nor’easters and this year plenty of rain. For other parts of the country it could be a hurricane, wild fire, major storms with repercussions and so much more in the way of natural disasters. Unfortunately, these aren’t the only situations you have to be prepared for in today’s world. Are you ready for what could be coming your way?

You need a plan and possible several plans (for all that’s involved in your life). Here are something you may need to consider:

How will I know what’s going on? Think your power is out and many items need to be charged or do you have a manual option.
Where do I go if I need to evaluate or should I stay in place? Remember, you may have to plan for your elderly family members, young children and pets too.
What are the important things to take with you or have available to access?
How will I communicate to / family others that I am safe?

Just this week on the news, someone tried to abduct a young girl. Her family had a plan in place with a “code word”. She asked the potential abductor what the code word was. They didn’t know, so she was able to figure this not to go with that person and run safely away. This was great plan and it worked for them. What’s your plan?

There are so many questions and situations that you need to be prepared for. One place to start is with the government website.

Getting Ready for Winter

It’s August and there is still plenty of summer left. I know this, but it’s also the time of year that we start to get ready for winter.

Next week, we are having our trees trimmed. I want to lower dead limbs trimmed, so as not to come down with a winter storm. Also During this month, it’s time to inspect your home to get those last minute projects in before the cold weather sets in. One of the things on our list is to replace our front door. After that, it’s time to get the furnace cleaned before we need heat.

In the fall, it will be time to clean the gutters and make sure the snow blower is ready.

Preparing now and maintaining your home and equipment will save you money in the long run.

Enjoy the rest of the summer

Are you prepared for the next disaster?

So far 2017 has given us hurricanes, wild fires, earthquakes are more. Some of us are more prepared than others. Check out his article from the NY Times. Maybe this will help you with whatever weather disaster is next.

Chemical Free At Home

It started with a lecture at our local hospital about the chemicals in our homes and lives a few years back. That really opened my eyes to the chemicals in our household and we have removed many of them. BPA (Bisphenol A) was the start. Good-bye BPA plastics. We replaced the plastic food containers with glass. We try not to make plastic purchases (that’s not always possible) and NEVER microwave in plastic.

To find a lower cost alternatives to replace the plastic, we use canning jars in a variety of sizes for food storage. We switched from plastic bags to waxed paper bags, from aluminum foil to glass storage options. We stopped bagging our vegetables from the store and try to buy the without packaging which is not always possible.

Next, we started the eliminating chemicals hunt in our home. We found sodium lauryl sulfate (SLS) and parabens in our personal care products – toothpaste, shampoo, skin care and more. We didn’t want formaldehyde, phosphates, dyes and more in our cleaning products. It’s these ingredients that makes me cringe.

Finding healthy alternatives at reasonable prices was a challenge, so I began making my own products. Essential oils were the answer for our household. First, I started with glass cleaner with just water, white vinegar and lemon and Thieves essential oils. Next, came the personal care products. Check out my Chemical Free Household Pinterest board for more information and stay turned for what’s next.

Want to learn more, check out my social media and blog posts as I am posting there regularly. To learn more or to start with essential oils, click here.

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Your DIY Projects

It’s spring and with that we think about projects for our home each. What needs to be done for maintenance? What to we want / need to upgrade / replace? How much can we do ourselves vs. hiring out? How about doing home projects or repairs yourself.

Do you have a broken tile that needs replacing? Do you want to refinish a piece of furniture? Do you want to repair a small leak? Do you want to create a patio? Before you jump into a DIY project, take a few hours to learn a little more about your project.

It’s easier than ever today to learn how to DIY. Home improvement stores offer free classes and/or you can watch a how-to video on the internet. It’s possible to learn from the pros, or from experienced tinkerers, just by setting aside a Saturday morning.

We renovated our current home and were able to do some of it ourselves. We did the demolition: ripped up carpets and vinyl flooring; removed kitchen and bath cabinets; and broke down the plaster walls. We also did as much of the work ourselves as we thought we could handle: we rolled out and stapled the insulation; and taped and painted the inside of the house.

That may be more than you want to tackle, but our partial DIY brought our home improvement project within our budget, so we could afford professional contractors to remove a load bearing wall, install a header beam, rewire the electricity, and add a bath.

Are you ready to tackle a home project or repair? The questions you should be asking yourself are:

Do you have the time and energy needed to complete the project?
Do you know how, or could you learn the skills needed, to complete the project?
Can you afford to have the work completely hired out?

Let me know what you decided, and good luck on your project! Tell me how it turned out in the comments.

The Importance of Having an Emergency Fund

In praise of emergency funds! I can’t say enough about having an emergency fund to use in times of an emergency, as well as having the protection of insurance. We had a big life emergency this time, and it could have been much worse.

While Dave and I were out of the house for about an hour and a half, an emergency struck our house. A feeder line for the toilet broke and we came back to a small geyser. Not only was the bathroom flooded, the water flowed into the master bedroom and then down into the basement. Ugh! You can imagine the damage this has caused. But it could have been much worse.

So this is how our afternoon went:

* Shut off the water – we had individual shutoffs installed all over the house
* Next the clean-up began – towels, wet vacuums and more
* Contacted the insurance company to file a claim. This is the first homeowners claim we ever filed.
* Started the removal of the damaged stuff, and this was hard without Dave being able to move things.
* The insurance company sent out Service Master to remediate the damage. They moved the heavy furniture, installed the industrial fans and dehumidifiers to lessen the damage
* Next day we had to replace the modem, as we lost phone and internet service. It’s difficult to make multiple calls with only a cell phone.
* The drying out stage lasted for days. It included the carpets, hardwood floors, ceramic tiles, sheet rock, furniture and that’s only the big stuff!

Now we are at the rebuilding stage, with the contractors giving us estimates for replacing floors, hard wood and tile, sheet rocking the portion of the walls that were cut away with water damage, painting of rooms, replacing furniture and items that were damaged and more.

Living in a disorganized home as two rooms of furniture and personal items had to be moved out of the rooms and the basement, made our home somewhat of an obstacle course for quite a few weeks. Hopefully by the holidays, we can be back to our organized house.

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Prep Your Home for Winter

It’s time to get your home ready for the upcoming winter months. The Farmer’s Almanac predicts another snowy winter here in the northeast.

Here are some things that we do at our house:

1. Get all the patio furniture cleaned and put inside if possible. We have a lot – and most comes inside – but there are a few pieces that are too big and heavy. For the pieces that stay out, we put those orange cones atop the table and cover with patio furniture covers. This prevents the water from puddling up. Make sure to secure the covers tightly.

2. Turn off the outside water and drain the lines. You don’t want to have to call a plumber in the middle of winter to fix a frozen line. Remember to bring in the outside garden hoses once you have drained them.

3. Clean those gutters before you have problems. Scoop out the debris from inside (even if you have gutter guards), so that the water can flow easily. Remember to clean out the down spouts too.

4. While you are on your roof… Check for leaks that might need fixing, cracks, and moss growing in the roof (not a good thing as moss holds moisture and that can mean rot). Don’t forget to look around the chimney. All these could become a major problem as we get into winter. As I have told you, it’s easier to fix a small issue now rather than a major issue later. You can either do this yourself or call a professional for help.

5. Get your heating systems tuned up and serviced before winter to make sure it’s in working order. There is nothing worse than waking up to no heat on a cold winter morning.

6. Caulk around the windows to seal up any drafts. You don’t want leaky, drafty windows sucking the heat outdoors. You should caulk every few years as preventative maintenance.

7. Because winter storms can mean loss of electricity… You will want to check up on your emergency supplies – lanterns, batteries, flashlights, battery powered radio, warm blankets, non-perishable food with a manual can opener, bottled water, and matches if you want to cook on the barbecue grill.

It’s much better to prepare ahead of time and do little projects now while the weather is nice. You don’t want to deal with emergency repairs in the winter.

To succeed in college, you must back up

So, you’ve prepared your child for college, which includes buying him a decent laptop. That’s where he’ll store all his homework, access his assignments and turn in his papers. Should be good to go, right?

Wrong. Imagine this: Your child just finished writing this really great paper and it’s due in two hours. Suddenly, the computer crashes. Maybe it’s a virus. Maybe it was because of the soda he spilled on it last night. The ‘why’ doesn’t matter right now – all that matters is that a full semester’s work was lost in a few seconds.

What’s your kid going to do?

Hopefully, he’ll…

1. Borrow another computer from a friend or the school to…
2. Access his files from the external hard drive in his room or from his cloud backup service, and…
3. Send his paper on time.

If you don’t understand anything in Step 2, read on:

External Hard Drive

This is an external storage device separate from your computer. It’s portable – from the size of a wallet to a small box. You plug it into the computer with a USB cable.

Pros: You don’t need the internet to access your files. It’s portable and you can plug it into any other computer as needed. You pay one-time for the device and not a service.

Cons: It can be lost, stolen or damaged and you need to remember to back up your files.

Cloud Backup Service

In simple terms, this is a service that stores a copy of your files on the internet. It backs up continuously and automatically as long as there’s an active internet connection.

Pros: Backs up for you and you can access your files anywhere on any computer.

Cons: Need to keep paying for the service to access your files. Must have a functional internet connection to access files.

Now that you know the different types, why not both?

Backing up frequently is critical, but so is access. You can get a 1 terabyte external hard drive for around $60 and you can use a cloud backup service for $5 per month.

That’s cheap security considering you’ll be covered for both hardware and internet related disasters.

This all sounds scary, but what are the chances?

Using a computer for school or work opens you up to some major security risks that I think need to be addressed.

1. The actual item can be lost or stolen. (You should have a locate app installed to increase your chances of finding what’s been lost.)

2. Your computer can be infected by a virus or hacked.

3. It can be damaged by liquids, a power outage, or a simple accident.

4. User error. This is where you accidentally delete or overwrite your file.

With so many security issues, the chances of something happening are pretty big. Dorm rooms are crowded work/living spaces occupied by distracted teens. Things happen… a lot.

And, it’s happened to me – a grown up with my own spacious home. Back in June, I crashed my computer. I was saved by backups and the pros to get me up and running again – but it took at least a week. I can’t thank them enough. Now, not only do I have an external hard drive and cloud back up, I have added an automatic backup systems to be double safe.

Hurricane Season: Prep with these simple steps

It’s Hurricane Season! At least it will be on June 1st on the Atlantic side. That gives you 2 weeks to plan your strategy – just in case.

If a hurricane is heading your way, these easy preparations will save you a lot of grief.

1. Lower your fridge and freezer temps. If and when you lose power, these large appliances are no better than a picnic cooler. Turning down the temp ahead of time will help the food last longer.

2. Pack up the yard or secure loose items. Your favorite lawn chair is a weapon of mass destruction in 100 mile per hour winds. This will save your home (and your neighbors’ homes) from flying debris.

3. Move items that are indoors to higher ground. Hurricanes often bring flooding. If you don’t have a basement, or your basement floods, move items that will be damaged by water to higher ground – either off the floor or the next story up.

4. Charge your cell phones. Assume you’ll be without electricity for a few days. After the storm, use your phone sparingly.

5. Make a paper list of important phone numbers. Who does that anymore? It’s in your phone right? If your phone dies you might have to borrow a neighbor’s, and they won’t have the numbers you need.

6. Keep important papers in one place in a water proof container or plastic bags. This should include your family records (birth, marriage, death certificates), financial records (insurance policies, bank and credit cards information, passports, social security cards, deeds, stock certificates and other valuables). If you have to evacuate you can grab them and go.

7. Have your medications (including your pets’) in one handy place. It’s the same ‘grab and go’ strategy from step 6.

8. Prepare your food pantry. If you are staying in place, make sure you have non-perishable food and water (and a manual can opener). Non-perishable means boxed or canned – they last longer than fresh foods or foods that require refrigeration. Don’t buy items that require milk, eggs, or cheese to prepare. If they’re pre-cooked, that’s even better – they might taste better heated, but it’s not necessary. Buying non-perishables is something you can do right now. Stores sell out fast, so it’s good to have your prepper foods before the hurricane is spotted.

9. Have what I call ‘camping supplies’ ready – extra batteries, lanterns, blankets, battery powered radio, car cell phone chargers, a grill for cooking, etc.

10. Cash! When power outages happen, credit card and ATM machines may not work. Hurricanes bring widespread power outages, downed trees and flooding. It might not be easy (or possible) to drive far enough to find a store or bank that still has electricity.

11. Fill up the car gas tanks before the storm gets close. Gas stations do run out! They might not even be open.

These are the basics. It shouldn’t be too overwhelming if you’ve got your to-do list ready ahead of time.

If you think it’s too much, search the web for hurricane survival stories. Millions of people have shared their personal anecdotes about the week their neighborhood became a 3rd world ‘urban campground’: No electricity, running water, heat, or access to open banks, gas stations and grocery stores. If it sounds like an adventure, you’ll also learn about the items, pets and people they lost permanently to the storm.

Be safe and be prepared.

Is Your Home Improvement Project Worth It?

couple-blueprints As the weather turns to Spring, homeowner’s start to think about home improvements. Several years back, we did a major home improvement to our home and we had to make some tough decisions about what improvements to make. Do we make changes that will make our lives easier? Do we do something that would bring added value to the home? These are the tough decisions we had to make as homeowners.

First, do the improvements that will ward off problems. For example, it’s better to replace a roof than to wait until it leaks. Once it leaks, you have to repair interior water damage on top of replacing the roof. In my opinion, regular maintenance and preventative maintenance are your top priority.

But what about the other things you want to do around your home. According to Remodeling Magazine, here is a chart about average cost and what portion of that cost can you expect to recoup in value.

Which home improvement projects pay off?

Project	Job Cost	Resale Value	Portion Recouped
Entry door replacement (steel)	$1,162	$1,122	96.60%
Minor kitchen remodel	$18,856	$15,585	82.70%
Window replacement (wood)	$10,926	$8,662	79.30%
Basement remodel	$62,834	$48,777	77.60%
Major kitchen remodel	$54,909	$40,732	74.20%
Bathroom remodel	$16,128	$11,688	72.50%
Roofing replacement	$18,913	$12,777	67.60%
Backup power generator	$11,742	$7,922	67.50%
Home office remodel	$28,000	$13,697	48.90%

SOURCE: Remodeling Magazine 2014 Cost vs. Value Report, mid-range projects

So, what if the improvement you want, isn’t just something that will make the house look or feel nicer. I personally don’t think the choice is as easy as picking the project most likely to recoup your expenses. The first question you need to ask yourself is, “How long to do I expect to live here?”

couple-homeimprovement If you are planning to sell in the near future, then recouping your expenses is a major factor in your choice. Talk with a realtor and discuss what improvements will increase your home’s value and recoup your money.

But what if you are planning to live in the home for a long time? Then choose the project that will make your life more enjoyable. If you are handy and have the time, you can do some improvements yourself. A fresh coat of paint always makes a home look better and most people can do this themselves. If you want to tackle a bigger project yourself, then your home improvement store can be a big help with how-to classes.

In case you were wondering, we did some major improvements – renovated the kitchen, remodeled a bath, added an additional bath, updated the electrical, etc. We worked within a set dollar budget and did a lot of the work ourselves. Bottom line, think about what you want to do, and do your research first. Your kitchen remodel may be affordable if you reface the cabinets instead of replacing them. It’s something to think about.