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Accumulair Filters #air #filters #for #house,air #conditioner #filters,residential #air #filters,heater #filters,furnace #filters,home #filters,,,3m #filters,pleated #filters,3m #pleated #filters,pleeted #filters,house #filters,filtrete,3m #filtrete,indoor #air #quality,air #quality #products,allergen,allergies,allergy,3m #filtrete #filters,electrostatic #filters,permanent #filters,permanent #air #filters,a/c #filters,ac #filters,filters,air #conditioner #maintenance



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Long Island Lighthouses – The Scoop on LI – s Most Beloved Landmarks #long #island #lighthouse, #long #island #lighthouses, #lighthouses, #lighthouse, #long #island #sound #lighthouse, #montauk #lighthouse, #orient #point #light #house, #iconic #light #house, #hamptons #light #house, #light #house, #north #shore #lighthouse, #south #shore #lighthouse


Long Island Lighthouses

When picturing Long Island, it is hard having anything other than a lighthouse being the first image that comes to mind. These iconic buildings are the quintessential landmark that locals and tourists alike associate with our Island. To many, this beacon symbolizes more than just the beaches and calm waters – but reminds us of the comforts of home, and where we came from. For others, it evokes fond memories of family vacations out east, or trips to some of the local Long Island beaches on a warm summer’s day. No matter what Long Island Lighthouses evoke in your mind. Read More When picturing Long Island, it is hard having anything other than a lighthouse being the first image that comes to mind. These iconic buildings are the quintessential landmark that locals and tourists alike associate with our Island. To many, this beacon symbolizes more than just the beaches and calm waters – but reminds us of the comforts of home, and where we came from. For others, it evokes fond memories of family vacations out east, or trips to some of the local Long Island beaches on a warm summer’s day. No matter what Long Island Lighthouses evoke in your mind, it is undeniable that they are an important part of the history of Long Island. Make sure to visit a Long Island Lighthouse if you’re visiting, or even if you’re a local just looking to experience Long Island heritage, Lighthouses are a unique piece of our history you won’t want to miss. Show Less

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Refinancing house loan #refinancing #house #loan



What is ‘Refinance’

A refinance occurs when a business or person revises a payment schedule for repaying debt. Mechanically, the old loan is paid off and replaced with a new loan offering different terms. When a company refinances, it typically extends the maturity date. Companies or individuals refinancing loans may have to pay a penalty or fee.


The most common forms of consumer debt are mortgages, car loans and student loans. The borrower agrees to make certain payments based on a rate of interest. Companies operate the same way. The most common types of corporate loans are term loans. bonds and lines of credit. The company agrees to the terms of each loan type, and the bank lends it money. Terms provide the details of the loan and specify the interest rate, payment amount and payment date(s).

When the terms of the loan are revised in a way that changes the payments associated with the loan, the loan has been refinanced. In a refinanced loan, the old loan is paid off with the new loan, and the old terms are replaced with new terms. Some loan terms come with fees associated with prepaying, which makes refinancing less rewarding. The most common changes in loan terms are maturity date and interest rate.

Why Refinance

Borrowers refinance for myriad reasons. A common goal is to pay less interest over the life of the loan. Borrowers may also want to change the duration of the loan or switch from a fixed-rate to an adjustable-rate mortgage. or vice versa. The reasons and motivations behind refinancing a loan are as varied as the loan types offered.

Refinance Loan Types

There are several different types of refinancing options. The type of loan a borrower decides on is dependent on the needs of the borrower. The most common type of refinancing is called the rate-and-term. This occurs when the original loan is paid and replaced with a new loan. Another type of refinancing is the cash-out. Cash-outs are common when the underlying asset collateralizing the loan increases in value. The transaction involves withdrawing the value or equity in the asset in exchange for a higher amount. In other words, when an asset increases in value on paper, you can gain access to that value with a loan rather than selling it. This option increases the total loan amount but gives the borrower access to cash immediately while still maintaining ownership of the asset. Another refinancing option is referred to as the cash-in. The cash-in refinance allows the borrower to pay down the loan for a lower loan-to-value ratio or smaller loan payments.

Money Girl: 6 Tips to Sell a House Fast in Any Market #sell #my #house #fast #phoenix


6 Tips to Sell a House Fast in Any Market

If you ve ever been in a situation where you need to sell a house fast, you know how frustrating it can be. Day after day, you hope the perfect buyer will come along and make a great offer.

Fortunately, there are ways to speed up the sale of your home. without sacrificing profit. In this episode, I ll give you 6 tips to sell your home as quickly as possible, in any real estate market.

How to Sell a House Fast in Any Market

I m sure you know that real estate markets vary drastically depending on where you live. I relocated from central Florida to the San Francisco Bay Area in 2013, and am still experiencing real estate sticker shock!

For instance, according to the median home value in the San Francisco metro area is $688,600. The median for the Orlando metro area is just $161,600. Spending $500,000 on a home in central Florida buys you a mansion on a lake, while you d be hard-pressed to find something habitable for that price on the San Francisco peninsula.

In most of the U.S. real estate values have generally rebounded from the lows we saw in 2011. Plus, rising rents and cheap mortgage rates are pushing more renters to consider becoming homeowners in many markets.

So, if you re considering selling your home, it may be a good time. But before you put out the for sale sign, follow these 6 tips to make sure you sell as quickly as possible–and for the best price:

Selling Tip #1: Improve Your Curb Appeal

Nothing is more important than a first impression. So consider what a potential home buyer may think as he or she drives up to your property for the very first time.

Walk out into your street and look–and I mean really look–at your home to see its shortcomings. Is it attractive, clean, and well-kept, or does it need maintenance that you ve been putting off?

After you ve been in a home for a while, it can be difficult to see it objectively. So take suggestions from a real estate professional, friends, or prospective buyers about how to make it show better.

When your home is on the market, it s critical that your landscaping is well-groomed and your lawn is mowed 24/7. Plus, your driveway, exterior porches, and exterior walls must be clean, too.

If you put money into cleaning up the outside of your home, I can guarantee that buyers will be more likely to take a tour of the inside. Curb appeal is what draws buyers in, helps maintain their interest, and sets your home apart from the competition.

Remember that unless you re willing to discount a home s price well below market value, prospective homebuyers generally won t want to buy a house that needs a lot of work.


Insurance for Landlords #house #rental #insurance #quotes


Insurance for Landlords

What types of insurance for landlords do you offer?

We have 2 types of policies: Landlord’s Rental Dwelling Insurance and Landlord’s Rental Condo insurance. Whether you’re a landlord with multiple rentals, or if you’re just leasing your home or condo, we’ve got a policy to suit your needs.

What does insurance for landlords cover?

  • The following benefits are available with any policy you choose:
  • Property coverage, which covers your rental property if you own rentals built for one to four families, as well as other private structures on your property (like a garage or shed), and personal property, like tools, appliances or furniture that’s stored on the property or used by your tenants. This coverage even includes items that are out for repair or servicing.
  • Loss of rental income protects you if something happens and you’re unable to rent your property out. We’d pay for your loss of rental income during the repair or rebuilding period.
  • Liability coverage helps cover you for one of the biggest risks landlords face: responsibility for injuries that occur on their rental property. This coverage includes personal liability, which will provide $100,000 of coverage (or more if you choose) if someone gets hurt or property damage occurs and you’re found responsible. This also covers all your defense costs. It also includes medical payments to others, so that if someone is hurt on your property, we’ll pay up to $1,000 (or more, depending on your policy) for medical costs.
  • Personal injury coverage will protect you as a landlord from lawsuits alleging wrongful entry, wrongful eviction, and invasion of the right of private occupancy.

What other features and benefits do the insurance for landlord policies offer?

In addition to our basic policy, we offer two different options to protect you from out of pocket costs, if you ever have to repair or rebuild your investment property:

Extended limits coverage will safeguard you against unexpected increases in building and repair costs, protecting you if the dwelling’s replacement cost exceeds the policy’s Coverage A limit. If the amount of insurance selected for the dwelling prior to the loss turns out to not have been enough, Extended Limits Coverage provides 25 percent more insurance to cover the extra need.

Coverage A Plus SM provides maximum protection to cover the cost to rebuild or repair your property if it were destroyed, even if that cost were more than the amount shown for Coverage A on your policy. There is no limit to the amount over the policy amount (except in a few states, such as FL). Your deductible applies.

We can help you find solutions to meet your unique needs. Just fill out the form—there’s no obligation.

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1 See policy for restrictions.

2 Identity Protection Services are available in NC homeowner policies with the optional “Identity Theft Expense and Resolution Plus” endorsement for an additional premium.

3 Up to the available coverage limit of 25 percent of the dwelling’s Coverage A amount.

Landlord’s Rental Dwelling Insurance is not available in all states.

MetLife Auto Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates: Economy Preferred Insurance Company, Metropolitan Casualty Insurance Company, Metropolitan Direct Property and Casualty Insurance Company (CA Certificate of Authority: 6730; Warwick, RI), Metropolitan General Insurance Company, Metropolitan Group Property and Casualty Insurance Company (CA COA: 6393; Warwick, RI), and Metropolitan Lloyds Insurance Company of Texas, all with administrative home offices in Warwick, RI. Coverage, rates, and discounts are available in most states to those who qualify.

This information, although a reasonable description of the coverage provided, does not constitute part of the policy or binder of insurance and shall not be construed to replace any provision of the policy itself. In the event of any conflict between the policy and this information, the provisions of the policy shall prevail. It is therefore important that you read your policy carefully for complete details.

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The Military – s Cybersecurity Budget in 4 Charts – Defense One #white #house, #mark #welsh, #cyber #attack, #cyberwar, #cyber #workforce, #cyber #threats, #army #cyber #command, #cyber #budget


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  • The Military s Cybersecurity Budget in 4 Charts

    The White House is pitching $5.5 billion in cyber spending for FY 16. Here s what that money looks like.

    This story was updated March 19.

    U.S. Cyber Command spending will take a 7 percent hit this year, even as it tries to get mission troops up and rolling in 2016, according to Defense Department budget figures.

    Last year, the force was funded at $546 million, while 2015 estimates project a $509 million purse. Pentagon spokeswoman Lt. Col. Valerie Henderson on Wednesday night said the 2014 number included money for one-time purchases “to fit-out and lease facilities” for the cyber troops.

    Money for the command — tasked with orchestrating network defense maneuvers and offensive cyberattacks — will stabilize over the next five years, totaling out at $2 billion.

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    About $500 million in 2016 would go toward compensating computer security whizzes departmentwide, according to budget materials provided to Nextgov. Earlier this month, Defense received the green light to fast-track the hiring of 3,000 civilian cyber pros. in part, to staff the half-full Cyber Command.

    **The Cyber Command line item is not inclusive of all Cyber Command spending. Some of U.S. Cyber Command’s funding is also included in the cyberspace operations and cybersecurity initiative categories. Total U.S. Cyber Command funding for fiscal 2014, 2015 and 2016 is below:

    • Total Cyber Command funding FY 2014: $546 million
    • Total Cyber Command funding FY 2015: $509 million
    • Total Cyber Command funding FY 2016: $463 million

    The criticality of the command’s troops was underscored Friday, when Defense Secretary Ash Carter chose them as his first stateside military audience .

    “That should tell you something about how vital the mission is that you all have taken on, how important it is for the security of our country and, for that matter, the security of our economy and our people in their individual lives, because cyber touches all aspects of their lives,” Carter said at command headquarters in Fort Meade, Maryland.

    Defensewide, cyber funding would reach $5.5 billion under the White House’s 2016 budget, with more than half of that sum going toward operations and maintenance.

    But a significant amount would also be devoted to innovation. The “research, development, test and evaluation” request totals $1 billion. That’s more than double the amount slotted for procuring new tools.

    The Air Force’s $1.4 billion piece of the 2016 cyber pie is significantly higher than the Army’s $1 billion portion. Air Force officials in recent weeks have voiced concerns that across the board spending cuts could hurt the branch’s technical supremacy, according to CNN.

    “The option of not modernizing isn’t an option at all,” Gen. Mark Welsh, the Air Force’s chief of staff, told Senate lawmakers last month. “Air forces that fall behind the technology curve fail … And joint forces without the full breadth of air space and cyber capabilities that modern air power brings will lose.”

    There has been some discussion of transitioning Cyber Command to its own military branch. But it won’t be in the immediate future.

    Defense does not want “to take too many jumps, organizationally, at once,” Carter said last week. “We have given some thought to that. And for right now, we’re walking before we run,” but “that’s one of the futures that cyber might have.”

    Currently, the goal is to prop up 133 mission forces teams, “with the majority achieving at least initial operational capability by the end of fiscal 2016,” Cyber Command chief Adm. Mike Rogers told House lawmakers earlier this month. “I have been working with the services to accelerate the work we are doing to keep on schedule, but I can promise you that will not be easy,” he said.

    Any potential Cyber Command branch would be dwarfed by even the smallest of the armed services, like, for example, the $24 billion Marine Corps.

    Correction: Defense budget documents initially provided to Nextgov reported U.S. Cyber Command funding was set to increase from $190 million to $364 million — a 92 percent increase. However total Cyber Command funding is also provided through additional funding line items, according to U.S. Army spokeswoman Valerie Henderson. When all program elements are added up, total Cyber Command spending between 2014 and 2015 is actually set to decline from $546 million to $509 million — a 7 percent decrease.

    • Aliya Sternstein reports on cybersecurity and homeland security systems. She’s covered technology for more than a decade at such publications as National Journal s Technology Daily, Federal Computer Week and Forbes. Before joining Government Executive, Sternstein covered agriculture and. Full bio
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  • What Xi Jinping Wants

  • How to get a loan to buy a site and build a house #debt #consolidation #loans

    #getting a loan

    How to get a loan to buy a site and build a house


    Most banks offer loans to people who wish to buy a piece of plot to construct their dream home. Available to salaried and self-employed people and also to NRIs, land loans enable you to purchase a residential plot of land.



    There are a few factors that influence an individual’s decision to construct his house himself. The price situation is one. Investing in a plot and building a house yourself can at times be less expensive. Also, you can pace the construction to suit your finances and economic constraints. Building an independent home enables the owner to implement his creative ideas in design and colour schemes. Further, you have the flexibility to postpone major expenses, improvements and expansion to a later date.


    The rate of interest charged on a land loan is on a par with the rate charged on a home loan. Unlike home loans, you cannot claim income tax deductions on interest paid on land purchase loans. When you take a loan for construction on the site, you become eligible for tax break. Here you can claim tax benefits on both loan for land purchase and loan for house construction. Tax deductions will be applicable only in the year in which the construction is completed after submission of completion certificate from authorities concerned.


    People who seek a loan to buy a plot have to pay a larger down payment. The loan-to-value (LTV) ratio is often as high as 70%. Usually, a person seeking a home loan has to make arrangements for only 20% of the cost of property.


    It is prudent to hire the services of a lawyer to verify legal documents associated with the plot of land. Verify the layout drawing of the site as approved by the town planning authority, and no encumbrance certificate of the land. Other property documents include original documents pertaining to ownership of land, revenue receipts, land records and tax receipts.


    Original site ownership documents, tax receipts for taxes paid by the owner, layout drawing, revenue receipts. no objection certificate from society for sale and transfer of land, and no encumbrance certificate for the land.

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    Freedom House Recovery Center, Family Counseling Center, Chapel Hill, NC – The Care Centers #freedom #house #recovery #center


    Freedom House Recovery Center, Family Counseling Center

    Freedom House Recovery Center, Family Counseling Center in Chapel Hill, NC provides Mix of Mental Health and Substance Abuse.

    The staff at Freedom House Recovery Center, Family Counseling Center provide personalized services designed to meet the needs of every patient. The dedicated health professionals offer the assistance you need while respecting your independence.

    The North Carolina Division of Health Service Regulation provides a list of registered care providers in North Carolina.

    This facility offers:

    • Mix of Mental Health and Substance Abuse

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    Nearby Substance Rehab Centers

    Facility Features

    Primary Focus
    • Mix of Mental Health and Substance Abuse
    Care Types
    • Mental health treatment
    Emergency Mental Health Services
    • Crisis intervention team
    • Psychiatric emergency walk-in services
    Special Programs Groups offered
    • Persons with Alzheimer s or dementia
    • Clients referred from the court/judicial system (other than DUI/DWI)
    • Persons with co-occurring mental and substance abuse disorders
    • Lesbian, gay, bisexual, or transgender (LGBT) clients
    • Persons with HIV or AIDS
    • Persons with eating disorders
    • Persons with post-traumatic stress disorder (PTSD)
    • Seniors or older adults
    • Children with serious emotional disturbance (SED)
    • Persons with serious mental illness (SMI)
    • Transitional age young adults
    • Persons with traumatic brain injury (TBI)
    Treatment Approaches
    • Behavior modification
    • Cognitive/behavior therapy
    • Couple/family therapy
    • Dialectical behavior therapy
    • Group therapy
    • Individual psychotherapy
    • Psychotropic medication
    • Telemedicine therapy
    • Trauma therapy
    Ancillary Services
    • Court-ordered outpatient treatment
    • Integrated primary care service
    • Suicide prevention services
    • Screening for tobacco use
    Age Groups
    • Adults
    • Children/adolescents
    • Seniors (65 or older)
    • Young adults
    Service Setting
    • Outpatient mental health facility
    • Outpatient
    • Partial hospitalization/day treatment
    • Services for the hearing-impaired
    • Spanish
    Smoking Policy
    • Smoking allowed in designated area

    Mortgage protection insurance can save a house – and more #construction #loan

    #loan protection insurance

    Mortgage protection insurance can save a house — and more

    Last Updated: September 25th, 2015

    Taking out a mortgage can be a scary prospect. Now imagine if one of the household’s breadwinners dies. How will you make the payments?

    Mortgage protection insurance covers this potential financial disaster. You can purchase a policy when you first buy your home. Often you must buy it within a certain time period after closing escrow, generally up to 13 or 24 months. However, some companies may allow up to as much as five years.

    The idea behind mortgage protection insurance is straightforward: You pay a premium, which remains the same for the duration of the policy. If you die during that time, the insurance pays out your death benefit.

    “Mortgage protection insurance is a life insurance program that gives you special benefits because you have a mortgage,” says Andy Albright, president and CEO of National Agents Alliance, the largest mortgage insurance broker in the nation.

    The type of “death benefit” you receive depends on the type of policy you purchase. Mortgage protection insurance has evolved, Albright says. In the old days, your death benefit would be the outstanding balance on your mortgage. But today, most mortgage insurance policies are designed to pay out the full amount of your original mortgage, no matter how much you owe. For example, let’s say your mortgage was $100,000 at the time you purchased your 30-year policy. If you die 10 years later, your insurer will still cut your beneficiary a check for $100,000 even if you now owe $67,000 on the home.

    The beneficiary can use the money for anything to pay off the mortgage in one lump sum, make car payments or put the money in the bank.

    If you pay off your mortgage early, you keep the coverage until the term of your policy expires. Some insurers will allow you to turn that mortgage insurance into a life insurance policy, Albright says.

    How mortgage insurance is priced

    Insurance companies consider things like your age, if you smoke and the principal amount of the mortgage (many insurers do not count smoking cigars or dipping tobacco). Also, you may not need to take a physical exam to buy mortgage protection insurance, depending on the insurer.

    “It opens the window to get life insurance without having to jump through all the hoops,” Albright says.

    The national average for a mortgage amount is $120,000, Albright says. Assuming that’s your mortgage, you would pay roughly $50 a month for a bare minimum policy. If you want to add riders (such as “return of premium” or living benefits), you may pay around $150 a month. Out of roughly 70 million homeowners in America, only about 2 percent have mortgage insurance, Albright says.

    Some insurance companies may require your policy be reissued if you refinance your mortgage, but it’s not the norm, Albright says. That would probably be the case if you bought a policy that pays out only the balance left on your mortgage.

    You may also purchase mortgage protection insurance that provides joint coverage for both you and your spouse. This means the death benefit will be paid when either of you dies. The premium for such joint coverage may be lower than what you’d pay for two individual term life insurance policies.

    Alternatives to mortgage protection insurance

    Term life or permanent life insurance are alternatives to mortgage insurance. While most mortgage protection insurance policies today are similar to term life policies because the death benefit could be used to pay the mortgage, funeral expenses, education costs or anything else, you can purchase larger amounts of life insurance. With mortgage insurance protection, your death benefit will likely be capped at your initial mortgage amount. (You may be able to purchase more, up to 20 percent of your mortgage amount.)

    The advantage to purchasing mortgage protection insurance is that it may be cheaper than life insurance and you may not be required to undergo a medical exam.

    Don’t confuse mortgage insurance with PMI

    If you’ve purchased a home with less than 20 percent down, your lender probably required you to purchase “private mortgage insurance,” or PMI.

    While mortgage protection insurance will pay off your loan when you die, PMI is intended to cover a portion of your loan if you default and the benefit is paid to your lender, not your family. PMI is designed to reduce the risk faced by lenders. PMI might make it easier for you to get a mortgage, but you need another form of life insurance to guarantee your loan can be paid off should you die.