Archive for March, 2016

Nest – Second generation Carobon Monoxide and Smoke Detector

March 31, 2016 Leave a comment

61kGTn0OINL._AC_UL115_ Protecting your family from carbon monoxide.

You can’t smell it, taste it, or see it, but it’s out there: carbon monoxide is the number one cause of accidental poisonings in the United States. In California, all residential properties with a fossil fuel burning heater, fireplace or attached garage are required to have a carbon monoxide detector installed. Make sure your home and your family are covered!

Sound the alarm

Install a carbon monoxide on each floor of your home. If you only have one detector, keep it close to the sleeping area so it will be heard if the alarm goes off. Do not place detectors near flames.

If the alarm does go off, get everyone out of the house and check for symptoms of carbon monoxide poisoning. Call 911 if any family member shows symptoms of poisoning, including:

  • severe headaches,
  • dizziness,
  • confusion,
  • nausea or
  • faintness.

Don’t enter the home until emergency responders clear the area.

Safety first

Every hardware store sells carbon monoxide detectors. Reliable carbon monoxide detectors cost between $30-$50. Detectors are typically plugged in, but purchase one with a battery backup, just in case of a power outage. Perform weekly checks to ensure all detectors are fully functional.

Carbon monoxide is produced by burning any type of fuel, including wood and gas. Prevent the risk of a carbon monoxide build-up by following this list of DON’Ts:

  • DON’T idle your car in a garage
  • DON’T use a gas oven to heat your home
  • DON’T use appliances indoors that don’t vent fumes outside; and
  • DON’T ignore the signs of CO poisoning.

Important note: A carbon monoxide detector does NOT replace a smoke detector. Residential properties require both!

Categories: Finance

TILA RESPA Disclosure Act

March 24, 2016 Leave a comment

Categories: Finance Tags: ,

Number of Homes For Sale vs. Sold

March 22, 2016 Leave a comment

Past 12 months market data – Number of Homes For Sale Vs. Sold





Time frame is from Mar 2015 to Feb 2016 (Past 12 months)

County is ‘SCC – Santa Clara’
Property Type is ‘Residential’
Property Sub Type is one of ‘Single Family Home’, ‘Condominium’, ‘Townhouse’
Results calculated from approximately 20,000 listings
Source : MLS Listings
Categories: Data Tags: , , ,

Tired of renting an apartment?

March 22, 2016 Leave a comment
Categories: Finance Tags: ,

5 Things to Know About Homeowner’s Insurance

March 22, 2016 Leave a comment

Buying and Selling same time
1. Know about exclusions to coverage. For example, most insurance policies do not cover flood or earthquake damage as a standard item. These types of coverage must be bought separately.

2. Know about dollar limitations on claims. Even if you are covered for a risk, there may be a limit on how much the insurer will pay. For example, many policies limit the amount paid for stolen jewelry unless items are insured separately.

3. Know the replacement cost. If your home is destroyed you’ll receive money to replace it only to the maximum of your coverage, so be sure your insurance is sufficient. This means that if your home is insured for $150,000 and it costs $180,000 to replace it, you’ll only receive $150,000.

4. Know the actual cash value. If you chose not to replace your home when it’s destroyed, you’ll receive replacement cost, less depreciation. This is called actual cash value.

5. Know the liability. Generally your homeowner’s insurance covers you for accidents that happen to other people on your property, including medical care, court costs, and awards by the court. However, there is usually an upper limit to the amount of coverage provided. Be sure that it’s sufficient if you have significant assets.

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